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

During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XX/XX/XXXX and XX/XX/2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.
Product: Mortgage

My XXXX and I had reached out to NewRez in XXXX about our appraisal on our property in XXXX. We originally purchased the home for {$250000.00} ( with an appraised value of {$260000.00} ) - it is now valued at {$340000.00} leaving us with {$110000.00} in our home, about XXXX % which very much surpasses the XXXX % ratio. 

It's been confirmed by NewRez 's representative that the appraisal has been seen over their recorded line and they have pushed off granting us our PMI release which I believe to be a violation of the Homeowners Protect Act of 1998.
Product: Student loan

On XX/XX/XXXX I was alerted by XXXX that my address had changed to a XXXX XXXX located in a different state. Since I have never lived at this address I became extremely concerned. However, I also recognized this address as the same city and state my ex husband lives. In speaking with XXXX, I learned that it was the Federal organization, NelNet, where my student loan is, who reported this address to the credit bureaus. I went on line to my NelNet account, and sure enough, someone had changed my address without my knowledge or my consent. I immediately contacted my ex by text message, and he did confirm that he had been receiving Nelnet mail at his address in my name. I spent several communications with Nelnet to have my address changed back to the correct address. When making my most recent payment, on line, I noticed that my account address had been changed again to a different address which is also connected to my ex husband. Although my ex husband is a co signer to my NelNet loan, I am the primary loan holder and the information is in my SSN. The divorce does not allow my ex husband to be an authorized payer within the Nelnet account. He must submit his payment to me and then I make the monthly payment. In speaking with a NelNet Adviser my concern for the seriousness of this situation was minimized and he even insulted me by referencing my complaint as " bickering '' with my ex husband.

When I asked the NelNet Advisor if someone from NelNet could contact me whenever someone tried to change my address by phone, he said " No. '' In addition to my credit reports, my NelNet 's  personal tax info now has my ex husbands address on it. 
I spoke with the post master in the state where I live, and he was able to provide me with a print out of my forwarding address requests, which confirmed that I never lived at the address in question or made a forwarding request for it. The post master explained that since I'm receiving all other mail at my correct address, someone from that address must have contacted NelNet by phone and made this address change directly with them. To do that they would need to know my full birth date, or even possibly my SSN to make those changes over the phone. Since NelNet refuses to accept any responsibilities in the role they played in this, and since the credit bureaus won't allow me to dispute an address you never lived at until you resolve it with the creditor, I'm at a loss as to what to do next. Can you please contact me to tell me what I can do to resolve this and to protect myself from this organization? 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Cancellation of Debts Do to identify theft ) Debts were settled and are still being reported years later this is an violation of the FCRA Remove accounts off of credit report immediately. 


In accordance with the Fair Credit Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

My credit went up and then down. My credit report say 's credit one is the reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America XXXX. XXXX XXXX XXXX XXXX, TX XXXX PH : XXXX Credit card account # XXXX Secured credit card paid in full and closed XX/XX/2013. 

My good account only shows up on XXXX. I Please send me a letter by Bank of America that my good account is on all my credit reports. XXXX. My address is XXXX XXXX  XXXX XXXX # XXXX XXXX, AZ XXXX Phone : XXXX. 
This is URGENT!!
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX at XXXX XXXX  Ally Bank called to inform me that someone was trying to wire transfer money from my savings account to an account in the XXXX XXXX XXXX XXXX. When I told them that I did not know this person or authorize the transfer they transferred the money at XXXX XXXX  to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ACCT XXXX NAME : XXXX XXXX ID XXXX XXXX XXXX. The amount stolen from me was {$11000.00}.
Product: Credit card

On multiple recorded phone calls, latest being XXXX they verified my credit protection end XXXX but in my attachment it shows their last payment was in XXXX. In asking they pay all late fees and payments back dated to XXXX until now IMMEDIATELY. AND reported to beaurus immeditatey
Product: Credit card or prepaid card

On XX/XX/2021, I made an electronic payment from my primary checking account to my credit card account at Capital One credit card. I erroneously made a very large payment of XXXX dollars for an XXXX bill. I advised capital one of this error in an attempt to get my over payment back. Capital one referred this to their fraud department which asked me to provide government documents and to provide information to verify my identity I completed this task in a timely manner Capital One advised me they would send me my over payment upon receipt of this information. Capital One credit now is requesting more personal information which I am extremely reluctant to supply such as a copy of my social security card I strongly believe this company is attempting not to only keep my over payment but to steal my personal identity for fraudulent use. Capital One also refuses to close the account this payment was made to when I requested to be closed on multiple occasions to prevent fraudulent charges to be made on this account.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that i was in fact a victim of this data breached equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sent to XXXX XXXX Amex CEO - " Since XX/XX/year> I have charges under dispute for fraud on my platinum account. The five charges listed below were flagged by your automated system as possible fraud. I in turn called Amex to verify that they are indeed fraud. Your security/disputes/fraud team has done nothing in almost 8 months to credit my account all five charges. They tell me my " card was present which means these charges are valid '' which is a complete lie and shows the complete negligence of your investigations team. My card was used for a different non disputed charge not total of {$23000.00}. The Merchants used my card numerous times without my authorization and I did not sign or fill out the sales slips. They forged all information to steal tens of thousands of dollars from me. On top of that, what goods were sold? Nothing is listed. Furthermore, the security/disputes/fraud team tells me they will call me back hundreds of times and never does. I have called hundreds of times and your team continues to ignore these issues and do their job. I was also told not to pay my monthly bill in full and to pay the charges that I know are due. I did that, in result your team has put my account in 30 past due status on my credit reports for the fraud charges balance. This entire set of issues is theft. Amex is allowing merchants to steal from me which in turn means Amex is lying, stealing and cheating me the card member. I can be reached at XXXX XXXX XXXX XXXX  {$3600.00} XX/XX/year> - XXXX  {$3600.00} XXXXXX/XX/year> - XXXX  {$3800.00} XXXX XXXX XXXX  {$5000.00} XX/XX/year> - XXXX  {$7600.00} TOTAL : {$23000.00} '' The attached email is from XX/XX/year> which has never happened. The litigation team is just another group of incompetent losers that don't do their job. 

" Amex 's fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on American Express 's behalf. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I make my payments on time every month and every month I have to call to get them to report my payments to the credit bureau on there site the screen shoot I sent has not been updated since XXXX I calll the company and they do nothing to fix it you are in XXXX last on the report is the credit bureau was in XXXX hey attached a photo of the credit report this is really ridiculous because if I missed a payment they will be very fast to put that on the credit report should I have to deal with this every month
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete formation on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

We submitted for a loan modification and every day we asked if there was a sale date. Just last week we were told that there was a foreclosure sale date on on XX/XX/XXXX 2017. We have to work with an assigned loss mitigation representative at Shellpoint mortgage and her name is XXXX XXXX which is never in the office. We have been submitting the same document ( Annual HOA bill ) for weeks and now she says it does n't state if it annual but clearly at the bottom of the page it does. Everyone we talked to said it met the requirement and were very helpful with what they thought we should do so we did all of it. All the paper work has been sitting in the office and XXXX XXXX is fully aware of the sale date and we are going to lose our home because she is n't in the office. There is a complete loss mitigation package everything and more in the office and she is n't in to review the package. We have offered to do a repayment plan or even a forbearance plan but were told it would take too long to get the figures from the attorney, however we have been saying we would go that route for two weeks. We are willing to do what ever it takes to save our home. We have not received any documents from Shellpoint mortgage in regards to missing documents what 's require we were even told to XXXX the HMDA paperwork to find it online. No ten day letters, no incomplete package letters, absolutely nothing. We just want a chance to save our home we are employed and can afford our mortgage we just got behind because of circumstances we could not control. We have resolved everything and are more than willing to do what ever we need to do. Please we need help to save our home or someone to listen and do what it is that needs to be done.
Product: Consumer Loan

I need assistance with an issue with Navy Federal Credit Union. I called in for a used vehicle loan on XX/XX/XXXX. In speaking with the representative he informed me that if I get a Late model used vehicle ( XX/XX/XXXX or younger ) that my interest rate would be lower ( 4.490 as indicated in the letter mailed on XX/XX/XXXX ). I purchased a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles. I checked my account on XX/XX/XXXX and noticed that my loam interested was listed double the quoted rate. I called in immediately to inquire. The representative that answered the phone told me that the miles had to be under XXXX. I responded that the miles are only XXXX, Then she said that it had to be a XX/XX/XXXX or younger. I explained to her that the representative told ne XX/XX/XXXX or younger. She put me on the phone with her supervisor XXXX. XXXX assured me that she would listen to the recording of the phone call and get back with me by later that day or Thursday ( XX/XX/XXXX ) by XXXX. I never heard back from her. I called again the following week. They explained that XXXX was out and they could not view it. I finally called back today XX/XX/XXXX and the representative told me that the tape was reviewed and a decision was made not to adjust the rate. I ask for a copy of the recording and she refused. The recording needs to be reviewed or by an independent non-bias party. This interest rate should be adjusted to what the representative told me. If that were the case, I could have accepted financing through the dealership of 4.5 %
Product: Debt collection

called me hundreds of times with a debit that wasn't mine lost my wallet and canceled card already let with a etc fraud report and now this comes up
Product: Debt collection

Halstead Financial Services has been calling me on and off for 2 years trying to collect a medical debt from a hospital i have never been to. When I request a bill they say they have sent bills and I have not responded. They state they will list me as a refusal and hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on XXXX  and XXXX. I have disputed it many times but nothing has changed. Then on XX/XX/2017 the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX  XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/2017 they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I became aware that Equifax had allowed their systems to be systematical hacked, and because of their incompetence my personal detail have been stolen. Equifax will not tell me what detail have been stolen, only that at least some of my details had been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting act, 15 USC 1681, I have the right to consent to or decline the information reported on my credit report and my right has been violated. There are derogatory items as well as inquires that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX, & TRANSUNION has violated my rights. 

XXXX  XXXX ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX TRANSUNION Dept Of Treasury Account # XXXX 15 U.S.C . 1681 section 602 A states I have a right to privacy/ 15 U.S.C.1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

i pulled my credit report XX/XX/22 and seen that America First Finance wants to cause stress and anxiety to my life by causing harm to financial reputation.

American First Finance is continuing to commit a unlawful extortion act against me.

Attached is a cease & desist order to American First Finance that had also been sent certified mail. 

American First Finance may not have any communcation with me. 

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium.

American First Finance is prohibitted to report any information my consumer report? So i suggest you remove this tradeline from my consumer report or you will be violating the cease and desist orded and lead to me filing litgation.

Im aware, American First Finance has also sold this account to an collections agency XXXX XXXX, which im aware is securities fraud! UCC 1-306. Waiver or Renunciation of Claim or Right After Breach states A claim or right arising out of an alleged breach may be discharged in whole or in part without consideration by agreement of the aggrieved party in an authenticated record. 

Im aware that a charge-off is the writing off of a debt and termination of collection activity without release of personal liability under federal regulation. American First Finance written this debt off and filed a 1099-C since I wasn't provided with a 1099-C. Why is your gross income being reported to my consumer report? 

Not to mentention the deep pool of FCRA violations they have commited Im also aware that FCRA states that i have a right to a fair and equitable credit report and that i also have the right to privacy, meaning that anything i dont want furnished on my credit report can be removed by law.

Now im aware American First Finance are making false claims pursuant to 31 U.S. Code 3729 Stop commiting fraud!
Product: Money transfer, virtual currency, or money service

I was told to send deposit for a house in XXXX GA and once I sent the {$6000.00} the lady blocked me. I contacted cashapp and explained everything to them and they wouldnt help me retrieve my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXXXXXX XXXX XXXX XXXX XXXX XXXX FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a response.
Product: Money transfer, virtual currency, or money service

Hello, I have a bank account in the US with XXXX which is supported by Wells Fargo Bank. 
On the XXXX XX/XX/2021 I made a transfer to : XXXX XXXX Wire XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX United States Amount : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX The routing number for this bank was XXXX, but I was informed by XXXX that I need to change the number to ACH XXXX. Link below : XXXX XXXX XXXX  The thing is that XXXX  company didnt get the payment for Stock number XXXX till this day and dont see the money on their account. 

Please help to receive my money back as I was misled by to official information put by XXXX. 


Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I am late on child support every month. That is not true. My child support is drafted out of my check every month. I have disputed this error with XXXX XXXX, but they are still reporting it on my credit. I contacted the Attorney Generals office and they confirmed that I am not late on any child support
Product: Credit card

RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX in the amount of {$410.00} Chase website did not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 
Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than 30 minutes after this phone call I received an email letter from chase stating we resolved your dispute. Nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.