23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Mr. Cooper / Nationstar / Seterus has misreported my mortgage with them as CLOSED to XXXX ( XXXX and XXXX are currently fine ), causing a XXXX POINT CREDIT HIT to my score. I have contacted them several times, including TWO disputes through XXXX, a XXXX  complaint, and they keep reporting my mortgage as {$0.00} balance closed. I would like them to properly report my mortgage to XXXX as PAID ON TIME, Unpaid Principal of {$7400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please includeextension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX never late Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$660.00}
Product: Mortgage

In about XXXX of 2018, I updated my Wells Fargo mortgage account to automatically withdraw {$490.00} from my bank account on a weekly basis. I elected that {$130.00} of each weekly withdrawal go towards additional principal, and the remainder going towards additional principal. I noticed that after a number of statements, later in XXXX, that Wells Fargo was not processing my payments as I set them up on their website. They were processing most of the time three payments of {$490.00} to go mostly toward the total monthly payment ( total {$1400.00} ) and the  remainder of the three weekly payments ( {$56.00} ) towards  additional principal, a far cry from the {$550.00} that I elected. This resulted in a number of extra early payments that I did not authorize, since the monthly payments were paid every 3 weeks rather than every 4 weeks, and will have many more than the 1 extra monthly payment per year that I understand weekly payments will have. This will result with a lot more interest paid over the life of the loan and the payoff date being much later. 

When I contacted them about their errors, they responded on XX/XX/XXXX : " The funds from the weekly withdrawals are held in suspense until there are sufficient funds to complete a full month 's payment. As a result, the full monthly payment may post to the account prior to the fourth withdrawal. '' They sent me an updated amortization schedule with the additional principal being {$550.00} as I requested, and the payoff date being earlier where I expected it. In a follow-up message, they responded, " Please allow my to begin to confirm, your additional monthly principal withdrawn is indeed {$550.00}. Each time we withdraw {$490.00}, this represents one-quarter of a monthly payment, plus {$130.00} additional principal. '' The response is exactly how I wanted my payments to be applied in the first place, and I would have been satisfied if it were fixed there like he said. However, my most recent statement only has 3 payments of {$490.00} applied, and only {$56.00} towards additional principal.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Name : XXXX XXXX XXXX Birthday : XX/XX/XXXX Ssn : XXXX My address : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : Closed accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection accounts below Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER XXXX unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTINGACT section 623 ( a ) ( 3 ), and Iam keeping CAREFULrecord of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. Iwill be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, Imay be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

*Please remove all non-account holding inquiries over 30 days old.

Thank you for your cooperation in this matter, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as posssible. I reported this and have also included the FTC Affdavit thats lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenice to me as consumer. I XXXX XXXX am making this complaint. This is not a 3rd party you guys tried that before. I've provide 2 FTC Affidavits.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a follow up complaint regarding a persistent issue with my credit report. Despite multiple attempts, I have been unable to correct a late open account that has been inaccurately reported. Despite my numerous efforts to resolve this issue, the incorrect information remains on my credit report. This error has significantly impacted my credit score and my ability to secure financial products. Enclosed with this letter are copies of the relevant documents that support my claim, including any previous correspondence, statements, and proof of timely payments. Please help me investigate the inaccuracy thoroughly and correct the late open account information on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your prompt action within the 30-day period mandated by law. This account is as follow : XXXX XXXX XXXX Balance : {$260.00}.
Product: Checking or savings account

I have been a customer of Wells Fargo for over 10 years. I have checking and saving accounts with them as well as a credit card and a personal line of credit. 
The problem is that I started getting emails from my phone company, from other vendor about not being able to process my payments. I reached out to customer support and they told me that they unilaterally decided to revoke my debit card without ability to get it back for 12 months. The reason is that was done " to keep my money safe ''. They did not close the account itself but I can't use the debit card associated with it. 
I called them 2 more times trying to reason with them and get more details about the exact reason for that and nobody seems to be able to give me a straight answer.
Product: Credit reporting or other personal consumer reports

to whom it may concern this is to inform you that the lawyers have given this allege account to is not responding to my letters XXXX XXXX XXXXXXXX XXXX  and this is to inform you that if don't get my desired remedy in the next ten ( 10 ) days i will commence arbitration/ federal complaint proceedings
Product: Credit card

Bank of America offset {$2500.00} from account for a charged off credit card. The amount offset exceeded the agreed upon payment arrangement. The offset took all monies in personal accounts.
Product: Credit reporting or other personal consumer reports

There is an error on my payment history for one of my accounts. The account is showing a late payment and I have never been late on this account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I consolidated my student loans and called Navient to begin making payments. I was given the PA address to send my payment to which was not the correct address for XXXX XXXX XXXX XXXX  loans. My payment was pulled from my bank account onXX/XX/XXXX and cashed by Navient on XX/XX/XXXX. I noticed it was not on my account and I called Navient to inquire. They stated they could not find the payment but I could submit my bank statement showing the payment was sent and cashed. I did this and did not hear anything back. I called again about 3 days later and I was told the request was sent to the payment department. The payment has still not posted and I call them daily. I was then sent a letter from Navient that my payment was located and sent to the wrong address. The letter did not state what they were doing with my {$400.00}. I called again and I was told the Treasury department now has the money and it would be applied to my account on XX/XX/XXXX. Today is the XXXX  and the payment is not there. I can not sign up for bank draft on their site because it still shows my account past due. I called them morning and was told another person at Navient would call me to discuss what is happening with my account. I was directed to their voicemail to leave a message and my number. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX XXXX AND EQUIFAX about hard inquiries on my CREDIT REPORT that are not mines PERIOD. The ( ONLY ) hard inquiry that is mines is the ( XXXX XXXX ) that's showing on my XXXX only. I also called the fraud departments on ALL the other hard inquiries on my 3 CRA 's and THEY sent over requests to have them DELETED yet they are still there. And XXXX AND EQUIFAX both have yet to provide me with ANY/ALL documents they have with my signature on it that gives them the right to have a Child support LOAN showing on my CREDIT report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that Transunion re-inserted a previous deleted account XXXX XXXX XXXX account # XXXX into my consumer report without my consent. According to the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( B ) ( ii ) Transunion didnt notify me within 5 business days regarding this re-insertion.

I am extremely disappointed by this action, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ) which clearly states that inaccurate or unverifiable information must be removed from credit reports. In my case, the account in question was deleted because they were found to be inaccurate and unverifiable. Therefore, their re-insertion is not only incorrect but also illegal. I have been working diligently to improve my credit score and this unwarranted action by Transunion has set me back significantly. I expect that you will take immediate action to correct this mistake and ensure that my credit report accurately reflects my credit history. Failure to do so will result in legal action being taken against the credit bureau.

I request that Transunion provide me with a written explanation for the re-insertion of the previously deleted account and a written confirmation that it has been removed from my credit report.
Product: Student loan

Throughout the couple of years that I have been paying back my student loans with my servicer, Navient, I have witnessed them consistently trying to mislead and deter consumers from making principal payments. There is an obvious effort to thwart early student loan paydowns by making it increasingly difficult and confusing to make principal payments. Initially when I started making payments to Navient, there was an option to apply additional funds to principal or to pay ahead. Then the wording changed so that " principal '' was no longer included, but instead you were given the option to " a ) apply excess funds towards you next payment ( s ) due ( helping to reduce the total cost over the life of your loan ) or b ) be billed for your full monthly payment. You will be required to make a full monthly payment with your next billing statement. '' I found this extremely confusing as to how my payment would be applied since principal and interest were not referenced at all. This is also misleading since option " a '' mentions that it will reduce the overall cost over the life of my loan. Whereas option " b '' ( the principal option ) does not say that it will reduce the total cost over the life of my loan. Then in the last month I am no longer given the option when paying my bill online to apply the excess to principal. I had to search in the Help Center of Navient 's website to discover that any excess funds that I pay will automatically advance my payment due date by the number of full payments that are covered by the extra funds. The only exception is if I am paying more than twice my monthly payment, then I can choose to be billed for my full monthly payment ( aka make a principal payment ). I also discovered in the help section, that the only way that I can make a principal payment that is less than twice my monthly bill, is if I mail in a check with a separate piece of paper detailing my instructions for how I want my payment applied. This feels like a concerted effort to confuse and discourage borrowers from paying loans off early, and to collect as much interest possible by drawing out the life of borrowers loans. I work in a loan department with a large bank, and even I find the information that navient provides about applying payments extremely confusing and misleading.
Product: Vehicle loan or lease

Trust is the original lien holder for the title on my vehicle which was paid off in 2020. I have been reaching out to them for XXXX  months trying to get a lien release mailed to me so I can register my vehicle in a new state. Despite calling their customer service and being told repeatedly that it would be mailed to me, Ive waited now XXXX  months without receiving the document and I cant drive my car without it. I have even followed up with their Closed Loan Department without any success. The resolution I would like is for Truist Bank to send me my requested Lien Release so I can use my car again.
Product: Credit reporting or other personal consumer reports

I demand the following fraudulent inquiries be removed from my credit report. 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: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE HAS OPEN SEVERAL ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND ID NUMBER I DID NOT OPEN THESE ACCOUNTS THE ACCOUNTS ARE FRAUD AND I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$1200.00}, {$650.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XXXX XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.
Product: Debt collection

I am responding to your communication regarding the account furnished on my consumer report by Midland Credit Management MCM # : XXXX. After reviewing the documents you have sent I noticed you stated that the account in question meets FDCPA requirements. That is false because according to 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business your company as you have claimed has a reputation and is known for debt collection practices. Also According to 15 USC 1681a ( d ) ( 2 ) Exclusions the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report therefore the documents you submitted clearly shows transactions and experiences. Your company can't provide anything with my wet ink signature proving that I owe any debt. I refuse to allow you to continue to harm my overall creditworthiness by furnishing this inaccurate information. Furthermore I would like the representative that has first hand knowledge of this alleged debt to come forward and provide adequate evidence proving that I am responsible for this account.
Product: Credit reporting

XXXX has a recent 30 day late on on my credit report. XXXX sold my account and XXXX other agencies are currently attempting to collect for this debt ( XXXX, XXXX, XXXX XXXX ). I started a dispute with them and now they have placed a 30 day late on my account again ( THIS NEEDS TO BE REMOVED IMMEDIATELY ). This account was closed on XX/XX/2014, how can there be a 30 day late. I need this to be removed immediately. This is not fair practices ... I also need to see where they still own the debt or XXXX needs to report a {$0.00} balance. Tell me who owns this debt or remove it off the credit report all together ...
Product: Credit reporting or other personal consumer reports

Identity theft. The consumer reporting agencies commit fraud everyday by keeping adverse information on consumers credit reports even after written consent was established to be removed. They play games with you on the phone and on the internet when you request removal and delay consumers on purpose then pretend like nothing wrong was done and no law was broken. XXXX, XXXX and Equifax all need to be under investigation for identity theft for millions of consumers.
Product: Credit card or prepaid card

Back in XX/XX/2021, I purchased an XXXX from a 3rd party on XXXX website. When I received the XXXX it was defective and did not work properly. I filled out the on line form on XXXX website to return the product and send it back by the deadline of XX/XX/XXXX using the XXXX return label provided by XXXX. Then 3 months later, a few days before XXXX I log into my account ( NetSpend ) to see my balance to do my kids XXXX shopping and I see a charge for {$560.00} from XXXX. I had recently made a purchase with XXXX and thought someone had stole my card information, so I filed a dispute with Netspend. 10 business days later I received the refund for the transaction and I thought all was said and done. Then at the end of XXXX I see once again I was charged by XXXX. I contact NetSpend and they tell me that XXXX sent them proof it was a legitimate charge. I tell them that I didn't make a charge with XXXX and what documents could they have possibly sent them. They tell me they will send them to my email. I receive an email from NetSpend with some documents from XXXX saying they never received my return of the XXXX. I immediately go to find my tracking number for the return, thinking that it must have gotten lost in the mail or something, but when I track the package it shows that XXXX received it. I also find an email from XXXX saying that they received it before they credited the money back originally. I send this info to NetSpend 3 times and call multiple times and finally today someone calls me back and says that it is a merchant issue and I will have to contact XXXX. I have contacted XXXX multiple times and they keep giving me a run around saying that they will notify the department that takes care of these issues to refund me and someone will call me back, but no one calls me back. I am a single mom on SSDI, and I have had almost {$600.00} dollars basically stollen from me by a big giant corporation and I can't get my bank ( NetSpend ) or XXXX to do anything about it.