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

The Three Major Credit Reporting Agencies have for many years published inaccurate information on my credit report. There are 7 seven separate Department Of EducationXXXX XXXX XXXX loans that are reporting errors filled information. I have never been late on my student loans, and in spite of a perfect payment historyXXXX XXXX/ Equifax/ XXXX all report a " 90 day late '' which they are saying has been " validated '' with the lender. This is an impossibility, because how can I have a " paid as agrees '' in XXXX of XXXX followed by a " 90 day late '' and after that " paid as agrees ''? This makes no logical sense. I need the bureaus to update this derogatory mark " paid as agrees '' or " No Data ''. I can not have my financial wellbeing be impacted due to their errors. 

Also, I have a recent derogatory mark from " XXXX XXXX ''. I have my last bill before I terminated service and what the bureaus have published is absolutely false! I even went as far as sending in via USPS ( certified ) a copy of the bill in question. Unfortunately and unlawfully, they have indicated that the negative mark has some how been validated. I need this removed ASAP. 

Equifax and XXXX are inaccurately reporting a " XXXX '' account from XXXX, they are claiming that the account has been charged off. I do not have a recollection of association with this account. 

XXXX is reporting that I have two requests for credit from a company called " XXXX XXXX ''. I do not recall doing business with the company and want to have it validated
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00} XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Mortgage

Our mortgage was purchased by Ocwen a few years ago. Recently ( XX/XX/XXXX ), I called to ask about the status of a loan modification that we applied for and was told that we had an outstanding balance on our account. I thought it was strange and so I checked to verify that we had paid our bill that month. I located my bill, checked the amount, and verified online that our check had cleared - it had. 

When I asked for more information they told me that there had been an increase our bill. However, when I asked about when this had taken place I was told that it happened after my bill was generated and mailed. In other words, I had NO WRITTEN ANNOUNCEMENT of the increase in the amount that they are saying took place on XXXX XXXX. 
I have tried 5 times or so to contact them about this and every time I have heard that the only people who can handle this are 'supervisors ' who happen to be on other calls each time that I call. Today it is XXXX/XXXX/16 and there is still no end in sight to this madness since I was just told over the phone by a normal agent that in addition to this my payment was going up again in XX/XX/XXXX to another amount for which I had NO NOTICE. 

Ocwen is well known for their frequent violations of legal procedures when it comes to loan management. They purchased our loan, it was not our choice to work with them. This sort of behavior should be dealt with more effectively and consistently. As far as I know many lawsuits and fines have been handed to them, and they have not changed any of the practices from the complaints that I have found on the XXXX. I am hoping that this is a more helpful avenue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not updating my credit report to reflect the correct information. I will upload information from other credit bureaus to prove that my information is not getting updated in the system. My credit scores are wrong and the last time my information updated was in XXXX which is wrong. I will be reaching out to upgrade to make sure they report my updated information to all bureau, furthermore equifax is showing inaccurate information across the board on their website. XXXX This needs to be corrected immediately. This is unacceptable.
Product: Debt collection

I tired to write Midland Credit Management several times regarding a debt they said I owed. I have asked for the original signed agreement and/or contract from the original creditor to be sent to me. I have also requested them to provide the last statement from the original creditor and have not been supplied that either. They have not done anything but continue to send statements saying I owe XXXX and this number has changed numerous times on my credit reports to XXXX then XXXX several times. Wrote a letter with this request on XXXX and prior times but would need to go through records more to find the additional dates, but with this request I still get statements only.
Product: Student loan

I am trying to work out better payment terms with PNC bank for my privet student loans but they are not offering any help. 
I do n't own a car or a house and I live with XXXX roommates. I only have {$200.00} a month to feed and clothes myself. 
I pay almost {$500.00} a month in interest on a {$660.00} payment. 
I want a loan modification to make my payment affordable or consolidation of my XXXX loans into XXXX. PNC outright refuses any type of help and says I make to much money despite my other loan payments and rent. All consolidation efforts I have made with other companies such as XXXX XXXX only end with them telling my I do n't make enough money. I have no help, my co-signers went bankrupt and my only living grandparent is in the hospital. 
I do n't live like an adult because I owe so much money for school. 
I am trying not to become delinquent, so far i have managed to make my payments but i am on the edge.
Product: Debt collection

Synchrony Bank/Care Credit charged off my credit card account. They report it to the three credit bureaus as a charged off account under the name Synchrony Bank. Yet Synchrony Bank outsourced the collection of the debt to XXXX XXXX XXXX. I paid the account to XXXX XXXX XXXX in full on XX/XX/XXXX  with a payment of {$210000.00}. However, on XX/XX/XXXX  Synchrony Bank still shows the debt as outstanding, and is still reporting a balance of {$2100.00} to the three credit bureaus. This is an egregious delay that is causing me to incur significant damages.
Product: Credit reporting or other personal consumer reports

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 U.S.C 1681XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602A.states I have the right to privacy.15 usc 1681 602 A.also states a consumer Reporting agency can not furnish a account without my written instructions. 15 usc 1681 ( ax5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information other than records convictions of the crime which antedates the report by more than seven years.15 USC 1681g-2 ( A ) ( 1 ) a person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$220.00}, XXXX XXXX  XXXX Balance {$640.00}, XXXXXXXX XXXX XXXXXXXX Balance {$1100.00}, XXXX XXXX XXXX XXXX {$1300.00}, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquires on my report from XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), Brclysbankde ( XX/XX/XXXX ), Brclysbankde ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.
Product: Mortgage

I am filing this Complaint on behalf of my client, not myself. My client was denied a Trial Loan Modification on XX/XX/XXXX by his Mortgage Servicer, SPS. The reason given for the denial by the Servicer was that " in performing our underwriting of a potential Modification, we could not reduce the principal and interest payment or the payment reduction achieved did not meet the payment reduction required for the account. '' On XX/XX/XXXX, I submitted a timely Appeal of the Denial of the Trial Loan Modification. In this Appeal, I suggested that a payment reduction could in fact be achieved by extending the term to 40 years since there had been no term extension at the time of the prior Modification in XXXX. 

On XX/XX/XXXX, I received a response from SPS to my Appeal that reiterated what was stated in the XX/XX/XXXX letter that is quoted above in the first paragraph. There was no reference to my suggestion of extending the term to 40 years to achieve a payment reduction. 

On XX/XX/XXXX, I sent a Notice of Error or Qualified Written Request to SPS stating that there was an error by SPS in refusing to extend the term of the loan to 40 years because that would achieve a payment reduction. In addition, I suggested adding the current arrearages to the back of the loan but keeping the arrearages in a forbearance balance that was non-interest bearing which would also result in a payment reduction. I specifically requested that SPS respond to these suggestions in the Notice of Error/QWR because I believe that they had committed an error in denying my client a Mortgage Loan Modification with a term extension to 40 years and putting the arrearages in a non interest bearing balance on the back of the loan. These would have resulted in a payment reduction which SPS said could not be achieved. 

On XX/XX/XXXX, I received a response from SPS that did not acknowledge or address the Notice of Error/QWR and which did not contain any reference to my suggestions that the term could be extended to 40 years and the arrearages could be put in a non interest bearing balance on the back of the loan. Their response was that they had received similar disputes from me and that they had responded previously to these disputes. 

That is patently false. SPS has NEVER responded to any of my inquiries asking them specifically why the term of the loan could not be extended to 40 years and the arrearages put in a non-interest bearing balance on the back of the loan which would result in a reduction in the payment.

This Complaint is alleging a violation of Section 6 ( e ) ( 2 ) ( B ) of RESPA regarding the failure of SPS to respond to a Qualified Written Request and a violation of Regulation X Section 1024.35 regarding failure to respond to a Notice of Error.
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. The referenced addresses below, do not belong to me and are non-mailable addresses. I am unable to receive mail at these addresses : Non Mailable Addresses : XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX My correct Certified Mailable Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have found numerous inaccurate addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any addresses other than what I have listed above and below be removed immediately as they are not accurate. I have sent letters to all credit bureaus asking them to remove any addresses that are not associated with me. Due to things possibly being sent with my identification information to those addresses, this could possibly lead to credit fraud. I ask that you please investigate this and have it removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/16 I closed my checking account at a Key Bank branch in XXXX, OH. I instructed the bank representative to close the account and I received a check for the remaining funds. 
I have other accounts with the bank, and I logged in on XXXX/XXXX/16 to look at something. To my surprise, the checking account was still showing online, and it contained a negative balance. The negative balance was a result of a payment to a home security company ( on XXXX/XXXX/16 ) and the resulting overdraft charges, PLUS a monthly checking account maintenance fee. 
I called Key Bank and the representative explained that the payment to the security company " reopened '' my account. ( Yes, the mistake made by a third-party " reopened '' an account I had specifically closed. ) I had changed the home security company monthly bill to a personal credit card on XXXX/XXXX/16. So, the auto-deduct from the closed checking account was their mistake - and they admit to it. 
How Key Bank could allow any third-party transaction to " reopen '' an account I 've closed -- well, it defies logic. This practice is completely unfair to the consumer and makes no sense. It should not be allowed to happen.
Product: Debt collection

In XX/XX/2018 Portfolio Recovery Associates received certified letter requesting proof of original application, contract, any an all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), Portfolio Recovery Associates is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition Portfolio Recovery Associates received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since Portfolio Recovery Associates has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( Experian ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Experian ), XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX and XXXX   ), XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX and XXXX  ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX  ), XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ).
Product: Credit card or prepaid card

Bread XXXX/Comenity website had been down for at least 6 days at this point and there is no way to contact the company to get balances or make payments. The company is not communicating with customers as to what is happening other than by putting that the following : " We know the recent system outage has been frustrating and we will work to ensure a fair resolution for impacted customers. Were waiving late fees for customers whose payment due date fell on XX/XX/XXXX or XXXX, 2022. Those customers inability to make a payment will not affect their credit score.

You can now check your balance and make a payment online using XXXX. '' If you click on the link and follow the prompts ( assuming this loads ) it gives another error message and gives a link to Customer Care. This sends you to the Bread XXXX  page that asks you which card you are inquiring about and sends you back to the original site that you started at. It is very frustrating and all I want to do is make a payment on my card and check my balance. By the way the phone system just gives the same excuse as the website. It is like the person is reading from a script.
Product: Debt collection

I called the collection agency and told them that the debt I seen on my credit report was not mine and that it was obviously identity theft I had no knowledge of the debt I asked them to investigate and I asked them to remove it from my credit report they've been sent me a letter in response saying that I needed to provide all kinds of information and paperwork that I did not have, so I filed a dispute with the credit reports and it's still on there and I needed to be removed I have no knowledge of this that or several other things on my credit reports I believe my identity has been compromised
Product: Debt collection

I am being sued on credit card debts. Despite being notified of my current address, and mailing notice to sue to my current address, Einstein and Associates PC, located at XXXX XXXX # XXXX, XXXX XXXX, NY XXXX continues to serve these papers on my parents, grandparents, aunts and neighbors at an address in XXXX XXXX, harassing my parents and embarrassing me, while being fully aware of my address in XXXX. 
I have copies of the notice to sue with my XXXX address. They gave me the index numbers of the matters in XXXX XXXX, but to date, have not served me with papers, but continue to serve my family members with these papers, even though they have nothing to do with the suit.
Product: Credit card

CBNA/ XXXX made an unauthorized hard inquiry on my XXXX credit report and have refused to delete it following my formal request by letter.
Product: Debt collection

I am lodging a formal complaint against Jefferson capital system. This debt collector has reported derogatory info on my three credit reports for a debt I have no knowledge of for the amount of {$660.00} from a XXXX account. I have lived in XXXX XXXX, NJ my whole life and never had service with XXXX. I never received anything in the mail from this company or phone calls to let me know about this debt. Which is a violation of the FDcpa. Debt collectors must send me a notice by mail which gives me 30 days to dispute validity of account. I am in the process of purchasing my very first home for my family and I and this account is holding me back. I am requesting immediate deletion of this errounous account from my three credit reports so I can purchase my first home. I will be filing XXXX  complaints and attorney general complaints if this account isn't deleted. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion again reduced XXXX from credit score and trying to bring Dawn my score every month. 
The XXXX and Transunion scores are not match at all.
Product: Credit card

On XX/XX/XXXX I called Bank of America because I had received text notifications that my debit card had been charged, this was somewhere out of state and I disputed it as soon as I got a notification. My wallet was missing from my car then returned to me by the cashier at the gas station that I was at when I returned at night when I retraced my steps. 5 days later on XX/XX/XXXX I received another notification saying that my credit card with Bank of America was also charged twice within the same hour. One charge for {$630.00} and another for {$400.00} with a description " entertainment ''. I XXXX the merchant and saw that it was from a ticket servicing company. I called and they said that 2 charges were made using my credit card number and email, I then was given access to the account and the representative said to log in and delete the credit card number which I did. I then tried to explain to the servicer that I did not make these charges and they said to dispute with the bank as they can't return any charges made. I called Bank of America and explained to them that my wallet had been missing for some time and that 5 days before had to replace my debit card with them that was also compromised. On XX/XX/XXXX Bank of America sent me a letter saying that I used a trusted device related to those charges and so they can not reimburse me. I explained to the dispute center that the day of the dispute I had called the merchant and used my phone to follow the directions under the merchant representatives direction to delete the card number and close the account entirely since it was created under someone else entirely. I also just paid off {$2300.00} towards this card and now the dispute is being reversed because I used my own phone to call the merchant and to try to resolve the issue on my own. This is the first time I've ever had a dispute on this card and its XXXX, everyone has internet access on their phone which is why I called the merchant and obviously used the same phone to try and resolve the issue myself by deleting the card and closing the account. These charges were not made by myself and the second I received notification that my credit card was used I immediately called the dispute center. I should not be held accountable for using my personal phone to call the merchant and to try and resolve the issue myself, which by the way is something the dispute center also mentioned that they would have wanted me to do before submitting a dispute. The attached email is the night I originally called Bank of America to dispute the debit card and to have it replaced which again was only 5 days before my credit card also had fraudulent charges.