23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been previously disputed multiple times and complaints filed with the CFPB with no resolution. The Discover Bank card account continues to provide different account information year after year. The various attachments to this complaint are provided by various credit bureaus to show how the payment history and account closure date and status change every year even when I dispute the information with Discover and XXXX with provided documentation. This account was paid and closed XX/XX/2021. It has continued to report different information between various credit bureaus ( XXXX, XXXX, XXXX ) which has had a severe negative effect on my ability to obtain personal loans for the continuance of my education. It has been stated on a recorded line by XXXX that it can be visually seen that the information is reporting incorrectly, but nothing will be done. This is in violation of consumer laws with the FCRA for " Treatment of inaccurate or unverifiable information. '' It states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have requested Discover to correct the account, but that has failed. At this point, the account should be removed. I paid the account in full and was informed that the account would be closed after the last payment, but it was not. There was a random {$0.00} applied to the account from Discover months later which further delayed the closure of the account and the continuation of reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to XXXX XXXX XXXX. 

Despite my efforts to address this matter directly with XXXX XXXX XXXX, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to XXXX XXXX XXXX, dated XX/XX/2023, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 . I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Mortgage

1 The primary borrower of the loan, XXXX XXXX died, XX/XX/XXXX, as was married to her at time of XXXX XXXX loan, but I never signed the Note and D of T, but I paid {$100000.00} down.balance of {$270000.00} for property worth $ XXXX 2 Property was fraudulent appraised in violation of XXXX XXXX regulations. 

3. OIG Dept of Treasury, XX/XX/XXXX REPORT determined that XXXX had a history of fraudulent loans. 

4. In XXXX closing, I re -- emphasize I never signed any waiver, deed of trust, or NOTE, which I shoiuld have " marital rights '' as I was the source of money. 

5. Appraisal company - appraiser - realtor - real estate company - closing attorney all licenses surrender, non renewal and out of business ... .both handling a XXXX and XXXX fraudulent sales on this property. 

6. XXXX was taken over by FDIC in XXXX, sold to XXXX, but FDIC transferred in XXXX to XXXX XXXX XXXX, and in XXXX, XXXX transferred to Nationstar XXXX 7. Nationstar has had poor policies, refused documents requested, employees in loss mitigation lied repeatedly, and finally in mid XXXX Nationstar XXXX XXXX and XXXX XXXX through XXXX XXXX, MGR CUSTOMER SERVICE agreed to file title claim, lender for defects resulting from loan. 

8. They ageed if I bought out the children of XXXX/first husband that Nationstar would file the title claim, since my wife died without a will. I did that and spent {$15000.00}. 

9. This would give me the property free and clear since we were defrauded by the appraisal, and the closing attorney, and that attorney was certified by XXXX XXXX XXXX, issuing the paid policy. 

10.At merger, Nationstar and XXXX XXXX , became XXXX XXXX , XX/XX/XXXX and now XXXX  XXXX XXXX , -- they took XXXX off the file, denied filling the title claim in bad faith negotations, and hired two more attorneys to come after me now
Product: Debt collection

XXXX employed XXXX XXXX XXXX to illegally and unlawfully seize Trust property right out of their garage. When we attempted to resolve dispute with XXXX, we were told to contact repo company. When we contacted repo company, we were told to contact XXXX. We tried to remedy the situation, and the company refused to act and has caused adverse harm to the beneficiaries by seizing their essential consumer goods personal private automobile. The Trust has equitable ownership by XXXX and XXXX has no evidence of contract with any party. They are complicit in trespass, harm and stolen property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. CITIZENS BANK XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX 'S XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX I did not make these inquires
Product: Debt collection

I received a credit alert through my Credit monitoring service that CONVERGENT OUTSOURCING had reported an unpaid debt to XXXX credit bureau. I cantacted Convergent three times trying to verify the dept in writing and after two month i 'm still waiting. I was told over the phone that I owed XXXX money ( could no tell me how much ). I joined XXXX and they were not able to connect our unlocked iphones. We tried with them for two weeks and finally they gave us an option to buy phones from them of cancel the service. We cancelled the service and since we were not able to use their service, they told us that we do not owe them anything. We never received any bills of phone calls from them.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against EXPERIAN due to their ongoing reporting of inaccurate information on my credit report. Despite multiple disputes concerning an auto loan account ( Account Number : XXXX ), they have failed to correct or remove the inaccuracies. This incorrect reporting is having a significant negative impact on my credit score and is providing misleading information to potential lenders, harming my financial opportunities. I have contacted both the company and EXPERIAN multiple times about these errors, yet no resolution has been provided. This ongoing issue is unacceptable and continues to cause financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

My primary loan servicer in XXXX was Nelnet. I sent them my tax return in XXXX, which was {$0.00}. I also applied for REPAY plan and got it. started a job as a XXXX XXXX. They asked me for my pay sub and I sent them. They calculated my monthly payment as {$340.00}. My loans are around {$500000.00}. My annual income is ~XXXX prior to pretax reduction and taxes. The pay sub I sent them was an overestimate. Even with overestimation, my total gross income ( pretax ) was {$55000.00}. Based on FSA repayment calculator, a minimum charge should have been {$300.00}. From what I understand the REPAY plan is 10 % of Discretionary income. My Discretionary income in XXXX ( based on that pay sub that I sent ) is : ( $ XXXX XXXX ( pretax reduction ) - XXXX ) =XXXX  ( biweekly ) XXXX= $ XXXX {$12000.00} ( poverty guideline hhs XXXX ) = {$34000.00}. 10 % of this is XXXX. XXXX per month. If I put this in FSA loan repayment calculator wand choose PFLS and my monthly payment is {$130.00} per month. I brought this to their attention multiple times. I called them multiple times and talked to managers and different reps and they told me that's how it works. I also called a week ago and they brush me off. I also have a twin sister with the same amount of loans but making {$5000.00} per year less than me and she paid {$0.00} last year and this year she is paying {$10.00}. When Nelnet transferred my loans to XXXX for consolidation. XXXX XXXX  did not change the payment. I am in communication with them to reevaluate. It is very hard for me to pay {$350.00} per month. It is very unfair. It seems like XXXX XXXX  servicer does not want to refund me either. But, my main complaint is about Nelnet. It would be great if you follow up with XXXX too. BAsed on my tax return my AGI is {$25000.00}. I just can not believe there is this much difference in their calculation and my tax return calculation. I appreciate your time
Product: Mortgage

Shellpoint Mortgage Servicing is improperly applying payments to our loan. And, they have not reported payments in over 6 months to the credit burro. Our credit score has dropped significantly! We have been declined credit due to this issue. I have tried clearing this matter for the past 2 months now. Shellpoint has yet to fix the issue, nor they have not bothered to out to me. I respectfully request a response - this has gone on long enough. And, we are suffering from their negligence!
Product: Debt collection

Security Credit Services , LLC has continued to attempt on a alleged debt not owed in a fraudulent methods and extortion. They requested an affidavit of truth disputing this alleged debt owed. 

Security Credit services , llc will be given the benefit of the doubt and will not be held liable for damages if all collection actives and reporting is ceased within XXXX business days. Failure to do so, the consumer has the right to recourse against Security Credit Services , LLC and any other party involved in a XXXX XXXX court. 

Security Credit Services has been invoiced for the cost of damages accrued due to the the unlawful activity conduct by Security Credit Services which has harmed the consumer.
Product: Debt collection

Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report XXXX dont recall having this account. I then sent LVNV FUNDING LLC a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
Product: Debt collection

House hold bank opened in 2011 false charges been over 7 years they keep electing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until XXXX took over my mortgage and I had a complaint against them before and the XXXX said that they remove my Loan form my credit report, now I just checked my credit report and XXXX still showing in my credit report, I want XXXX to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with XXXX, I believe the XXXX did a violation of the Bankruptcy.
Product: Mortgage

On XX/XX/XXXX my mortgage was transferred to Loancare. I have a few hours of video Navigating the website to backup every single statement regarding this companies business practices. 1 star reviews are consistent with these same issues as well, these are not isolated incidences. Loancare has a few ways to log into your account. One is an ( which doesn't work ) and the other is online. I generally pay my bills online and this includes my mortgage ( Loancare charges {$10.00} for online payments ). More often than not I can not log into my Loancare account. Though I have a XXXX computer and my passwords are all saved and enabled by a fingerprint, Loancares ' website rarely lets me gain access to my site. Seemingly every single month I spend 2-3 hours trying to contact someone at Loancare ( through a looping phone system that intentionally loops the user through a series of misdirected prompts ). If I am lucky enough to get through to a live voice they offer incorrect assistance in logging in or reseting passwords and will not stay online while you go through the unsuccessful process of trying to get into your account. This happens months and it is clearly intentional. I have sent Checks to avoid the monthly frustration of using their ever changing site, but Payments are mysteriously received and processed late. Loancare then applies a late payment fee to the account. The last straw was this morning. I have an appointment with my accountant to file my XXXX taxes. I spend two hour trying to log into my Loan care account to gather statements pertaining to property taxes. The website allows you to enter the User Name and Password and then thinks and comes back to the login page. I reset and verified my user name and password through the automated system. If the password is incorrect the system issues a warning that your attempt failed due to entering the wrong password and prompts a message that you have a failed attempt and that 2 more unsuccessful attempts will lock you out of your account ... Entering the correct password just continues to reset the page. There is no way to access my account information, make online payments or contact anyone in regards to the ongoing issue. It is a stressor every single month and this isn't opinion. My Loan originator let me know that the company is extremely difficult, unethical and intentional in their methods. This needs to cease. It is bordering on harassment. I just want to have access to my mortgage info, tax info and be able to pay my monthly payment without jumping through 2-3 hours of hoops every single month. I believe that Certified mail is the only way to pay this company without aggravation. What about my tax info? I have not figured that out. Please help the thousands of us who deal with these unethical business practices every single month. No one deserves the absolute XXXX that this company causes in peoples lives. Loancare is an unethical company whose business practices are shady at best.
Product: Credit reporting or other personal consumer reports

Due to my tenant at my rental property being late I had to pay for XXXX mortgage at the rental property and my rent in XXXX which put me in a bind. So I called my car company for a deferment which I was approved for to go on the back end. I was not informed that it would incur a late payment on mu credit. I called to get help at Ally and due to their miscommunication I seen that I got a late payment on my credit. I would have never opted for this payment arrangement. They would not pull the call of my conversation with the representative to hear that I wasnt told that with the deferment there would incur a late payment. I would have never done this. I have tried to talk with them But they have not tried to help me fix this. They need to do a better job with telling their customers about this could happen under the payment arrangement. This has not helped me fix my credit which I am working on. I was trying to prevent a late payment occuring. This late payment dropped my credit down XXXX XXXX. Under the arrangement I was told to pay {$440.00} on XX/XX/XXXX {$290.00} on XX/XX/XXXX. Regular payments start back up on XX/XX/XXXX. I made the payment of my XXXXXXXX XXXX XXXXXX/XX/XXXX to end my payment arrangement because it hurt me more than helped me.
Product: Money transfer, virtual currency, or money service

I need to file a complaint against CashApp ( Block Inc ) because of their unfair practices and inadequate customer serivce. The company didn't take effective measures to prevent/address fraud on the app, leaving my account vulnerable and unprotected. Their dispute resolution process was deceptive because they didn't comply with the error resolution requirments under the EFTA and Regulation E. These actions have caused inconvenience and financial loss. I want to seek appropriate redress and for all monies reported to be returned.
Product: Student loan

I tried to tell Education financial debt collection company my student loans are 23 years old and I deferred the loan over 10 years ago.I thought that my loan was forgiven in XXXX. All time why are collecting on a loans that old. I am retired and on social security.I not able to pay because I never got another job or any form of employment since XXXX. Now this agency is sending emails and many phone calls.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention significant discrepancies and inaccuracies in the credit reporting information associated with my account. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i, I request immediate action to rectify these errors, as they are in violation of FCRA 15 USC 1681i ( 5 ) ( A ). 

Upon reviewing my credit report, I discovered inconsistencies and incomplete data pertaining to the following account : Account Number : [ XXXX ] Account Type : XXXX XXXX Type Detail : XXXX XXXX Bureau Code : XXXX Account Status : XXXX Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX : XXXX, XXXX and Equifax : XXXX High Credit : {$1600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : XXXX : Late 30 Days, XXXX and Equifax : Current Last Reported : XXXX and XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX Comments : XXXX and Equifax : Closed or paid accountXXXX balance, XXXX : XXXX The discrepancies between the reported number of months/terms and the payment status are particularly concerning. These inaccuracies not only misrepresent my credit history but also potentially harm my creditworthiness and financial standing. 

I demand that the aforementioned inaccuracies and inconsistencies be promptly investigated and corrected in accordance with FCRA regulations. Specifically, I request the deletion of any incomplete or inaccurate information as per FCRA 15 USC 1681i ( 5 ) ( A ). I urge you to take immediate action to ensure the integrity and accuracy of my credit report. 

Please provide written confirmation once the necessary corrections have been made. Failure to comply with this request within the timeframe mandated by FCRA regulations will result in further action, including legal recourse if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I have been attempting to obtain a reduction in student loan payments. Currently, my wages and income tax refunds are under garnishment. On XXXX occasions the necessary paperwork has been submitted yet my responses have been in the form of letter advising me the XXXX has submitted my account for debt collection. On XXXX/XXXX/2016 I received a response to my latest request for a reduction. I immediately contacted the XXXX number ( Saturday hours were listed as XXXX ) at XXXX and received a recording the office was closed. On XXXX/XXXX/2016 I received another notice advising me the XXXX had placed my account in delinquency status with a collection agency ( Trans World Systems Inc ) and they were unable to contact me and I needed to contact them. I called and spoke with XXXX XXXX, who informed me the reason they send me this notice was due to their inability to get in contact with me and I needed to submit the same form I had submitted ( I have copies believe the credit agencies are UNFAIR in their practice and deliberately or callously delay repayment negotiations by constantly asking for the same information or in my case generating a debt collection notice when in fact the account is being repaid. The notice does not state a reason why all the paperwork was rejected or what was incorrect. The letter tells me to send all correspondence to the collection agency address. I submitted over 20 pages of documents and it is obvious they received something, what I find troubling with this situation is why I receive a debt collection notice rather than a professional acknowledgement of my documents as well as what items are further needed to process my request. It is time-consuming to gather all the documents required by XXXX for consideration of reduction. I am deeply troubled by the {$20.00}, XXXX in penalties assessed to my account and how no communication is mailed to me on a regular basis since my wages are garnished on a regular basis. Nor do I receive a balance statement. In the past I had to file numerous complaints against the collection agency for harassing calls at my workplace, cell phone and home phone. 
As I have stated to the agency in the past, I do not want phone calls, I want all communications in WRITING. That is not illegal or against the law to ask for this request. Yet when I submit information in writing, I am told they could not contact me and I need to call them. But when I call I am told I need to resubmit information previously submitted but with no explanation as to what if anything was incorrect. Not only do I seek a reduction in my monthly payments, but I am requesting to receive a monthly statement indicating how my monthly and yearly payments have been applied over the past two years as well as payments in the past. I feel the collection agency is being deceptive and assumes that customers are ignorant or afraid to question their questionable business practices.