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

I am writing to dispute the following information in my file. I recently received a copy of mycredit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have thes e 15 in quires removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order
Product: Credit reporting or other personal consumer reports

I called Nelnet in reference to my student loan status and late payments. I was never late on any loan. I always had my loans deferred or a forbearance. The loan providers was late in processing the information on their end and in return marked my loans late. I want the information corrected. I called the agent with Nelnet and she went over my loans. They said when they got the loans transferred it was never reported late from Department of Federal loans. She told me to dispute it up to three times for the Credit bureaus to contact them and verify. All 3 Credit bureaus have not done the dispute process for correcting my reports. The accounts that need correction are as follows : Dept of Education/Nelnet XXXXXX/XX/XXXX {$5700.00} Account # XXXX ; Dept of Education/Nelnet XXXXXX/XX/XXXX {$13000.00} Account # XXXX ; Dept of Education/Nelnet XXXXXX/XX/XXXX {$1600.00} Account XXXX XXXX ; Dept of Education/Nelnet XXXXXX/XX/XXXX {$1900.00} Account XXXX XXXX XXXX Dept of Education/nelnet XXXXXX/XX/XXXX {$12000.00} Account # XXXX XXXX Dept of Education/Nelnet XXXXXX/XX/XXXX {$160.00} Account # XXXX ; Dept of Education/Nelnet XX/XX/XXXX {$55000.00} Account # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ACT. The list of accounts below has violated my federal protected and confidentiality under XXXX XXXX XXXX. I told XXXX, XXXX, and Equifax to investigate these accounts : XXXX  XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX, Dep of ED/XXXX account number XXXX, XXXX XXXX XXXX account 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  Dpt OF EDXXXX account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXX, DPT edXXXX account number XXXX, Dpt edXXXX account number XXXX, XXXX account number XXXX  Dpt edXXXX account number XXXX, XXXX  account number XXXXXXXX XXXX XXXXXXXX  account number XXXX, real page XXXX, Dpt edXXXX account number XXXX. However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any 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: Money transfer, virtual currency, or money service

Transaction involves PayPal and PayPal Credit ( Synchrony Bank ). Funds were transferred from PayPal to PayPal Credit on XX/XX/2019. There is no option in the transfer process for the payer to designate how the funds are to be applied. A call to PayPal Credit on XX/XX/2019 started the process of re-allocating the funds to where I wanted them applied. On XX/XX/2019, nothing on my PayPal Credit account had changed. Not even a sign that something was in process. A call to PayPal Credit connected me to someone named " XXXX. '' obviously a nom de plume as he was probably located in XXXX. When he was unable to give me any logical information other than the change could take up to 60 days, I requested to be transferred to a supervisor. That got me to XXXX, who was clearly upset that I was bothering him. He again told me that it could take up to 2 months for the change to happen. I told him what the problem was and he seemed to just keep repeating that it's the way we do it. Potentially this delay could cause interest to be charged to my account. He told me that if that happened, it would be rectified. Probably taking another 2 months ( Conjecture on my part ). This is utterly ridiculous in an age where banking is done 99 % by computer. Previous re-allocations have take 4 days to 7 days to occur. This is obviously a major failure on the part of Synchrony Bank. I am just one person with a payment of about {$260.00}. How many others are they causing this grief to on any given day. If they can't handle simple transactions in a timely manner, perhaps they should get out of the banking business and into something less complicated, like basketweaving.
Product: Mortgage

We became customers of a XXXX XXXX, a mortgage equity accelerator company in XXXX of XXXX through our mortgage company, XXXX which has since been changed to XXXX XXXX. I was made aware that actions were taken against XXXX  XXXX by the CFPB in XXXX for misleading advertisements and deceitful practices of how and when the consumers money was collected from consumer and deposited into the mortgage account. XXXX XXXX also promised an average savings of $ XXXX in interest that the CFPB found XXXX XXXX had no documentation to support these claims. A fund of {$34.00} XXXX has been set aside for customers to be reimbursed for all fees collected by XXXX XXXX. I was never notified of this finding from my mortgage company or from XXXX XXXX and was allowed to continue business until present day. I would like for XXXX XXXX to contact me and provide the reconstitution required by the CFPB 's finding to include reimbursement of all fees I have paid to Pay Map since I began doing business with them in XXXX of XXXX. I also want the two mortgage companies to understand that they should have alerted their customers of XXXX XXXX 's deceitful practices to give us an opportunity to cancel our business. I understand that my current mortgage company, XXXX, no longer does business with XXXX XXXX but never passed this information on to me, their customer.
Product: Student loan

Have called Navient trying to lower payment from XXXX a month to a lower payment due to illness. Every time we call we get a different story and the final call the rep very rudely said they could not do anything and hung up. This has been going on for over a month. I am the borrowers Mom. I refinanced these loans with Navient XX/XX/17 with my daughters permission. She added me as a co-signer and I have been making the monthly payment for 15 months. They did send me the promissory note I am listed as a co-signer but never sent it to me for an electronic signature thus my daughters signature is the only one listed. I believe they never sent it to me to sign. All we want is the payment reduced temporarily until I am able to return to work after my illness. This is extremely frustrating and stressful. After at least 5 calls with different answers, asked to speak to a manager and they would not and hung up. This is very upsetting and I.m hoping you may be able to help. I as well as my daughter have excellent credit and do not want to jeopardize this by not being able to make the payment. Thank you
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX and Experian for failing to correct clear inaccuracies in my credit report despite multiple attempts to resolve the matter directly with them. 
XXXX : Incorrectly reports 30-day late payment on my account. 
Experian : Incorrectly reports a 30-day late payment on my account. 
XXXX : Incorrectly reports a 60-day late payment on my account. 
These late payments are false. I have provided supporting documentation, including screenshot statements, proving that all late payments were inaccurate. The credit bureaus have failed to correct this information, which is damaging my credit score and violating my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that my report be accurate and complete. 

I demand that the CFPB intervene and ensure that XXXX and Experian : Correct these errors immediately and update my reports to reflect that these accounts were paid on time, never late. 
Provide me with written confirmation of the corrections. 
If this matter is not resolved swiftly, I will pursue further legal action. Please investigate and ensure compliance with the law.
Product: Credit reporting or other personal consumer reports

XXXX  HARD INQUIRY ON XXXX  I didnt Recognize..I think not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car that was repossessed by the credit union I financed it through, XXXX XXXX XXXX. They sold the car at an auction. They did not notify me of the intent to sell. They then sold my full loan balance without giving my balance credit for the sale to a collection agency, XXXX. 

I have filed multiple disputes with the credit bureaus XXXX and Equifax as well as contacted XXXX for years regarding the account. It is reflecting as charge off with a balance of {$8400.00} and reported every month by XXXX. In addition it is reflecting as a collection account on my credit report for the same balance. 

Finally based on my Equifax credit report the account was reported delinquent XX/XX/XXXX and never was reflected as current after that. They told me the first date of delinquency was in XX/XX/XXXX.
Product: Vehicle loan or lease

As you know that there is no way for the public to pay debts since gold was confiscated by us govt in 1933. We were left with no way to pay for anything other than promissory notes offered by the Federal reserve. These notes simply tender the debt to a later date. They do not pay off debt. The only way to do that is by gold or silver. I paid my debt in silver. The company refused to accept my payment for debt discharge and according to XXXX law any valid form of debt payment if it is refused the company must now discharge the debt. They stole my payment and are refusing to follow the law set forth by the ucc. I placed them on notice of a proper lien that I filed with XXXX  in my state and they did not dispute it. They have now stolen my property and the company they used to facilitate this theft is also denying me access to my property. You can not reposses property without a court order. Something they can not obtain bc the debt was paid in full. I am in desperate need of the return of my property. And local law enforcement will not do their job and recover said property. I don't know who else to turn to. But I do know that president Trump put out multiple executive orders to provide the people remedy through this bureau so I am requesting that this be done. I am in need of remedy immediately. Thank you. I can be reached at XXXX XXXX XXXX.
Product: Other financial service

This company has a problem telling the true with their debt settlement program. When I signed up XXXX, I thought they was handling my settlement program. I was told there will be no additional fees for service and they will contact my creditors to handle the proposal. However, this was a lie. 
They have another party Global Client Solutions XXXX and UCAN involved and they are the unprofessional and rudeness people to deal with. Refuse to call back, refuse to talk with the creditors on a proposal and lied about what is available since they are also taking fees that I was told at the beginning will not occurred. 
Today I talked with a supervisor XXXX and he was rude and told him I do not like the wait he was talking and gave me a very caustic answer.
Product: Student loan

My loan went to default because I could not afford the payment so I negotiated a smaller payment when it was rehabbed and I went back to it being serviced they told me my old payments were restored and that I could GE forbearance for a year. Six months later now they are saying I 'm delinquent.
Product: Debt collection

The dates is so long ago i don't recall. I just know these items have been disputed and deleted at least twice. The amounts shows {$75.00} and {$99.00} both opened XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Debt collection

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. 

I demand immediate attention to my identity theft disputes. The sluggish response and repeated denials have only added to my distress and frustration. My life has been significantly affected, and it's high time you recognize the gravity of the situation. 

I implore you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I'm not asking for special treatment ; I'm asking for what is rightfully mine as a victim of identity theft. 

XXXX XXXX If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. 

I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. 

My emotions may be running high, but my determination to resolve this matter is even stronger.
Product: Mortgage

Carrington mortage company bought my load from XXXX XXXX XXXX. I 've been making my payments through them since XXXX. Always on time, never late. They have still yet to report my payments to the credit bureau and my credit score is dropping because of it. Also, they Increased my escrow by XXXX $ and I have no clu why. I ca n't get anywhere over the phone. I sit on hold for an hour and eventually get told to call back, all supervisors are busy. I 've asked repeatedly for someone to call me back, I have yet to get a returned call. I need help. What do I do? How do I get my historical and current payments reported to credit? How do I figure out why my escrow increased when my insurance stayed the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  # XXXXthe dates wereXX/XX/XXXX alsomy XX/XX/XXXX # XXXX the dates were XXXX, and last XX/XX/XXXX # XXXX the dates were XX/XX/XXXX my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt . 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XX/XX/XXXX # XXXX I have never done any type of business with this company please delete this account at once!
Product: Debt collection

Pro Collect was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.
Product: Debt collection

Receivable Solutions I've contacted several times about the debt and collections on my credit file. I will like them removed and use the insurance I have which is XXXX XXXX XXXX XXXX. They never sent notices or even contacted me about the bills. I will like them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly  DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX unverified account XXXX XXXX XXXX unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my report.
Product: Credit reporting or other personal consumer reports

I am writing to request that all the wrong names, outdated addresses and phone numbers associated with my credit report be deleted, except for my correct name, current address and phone number as stated below : Correct name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Phone Number : XXXX XXXX XXXX Please update my file to reflect only this current address. If you require additional information or documentation to process this request, feel free to contact me at XXXX or XXXX. 
I have attached part of the report I obtained from the EXPERIAN as proof. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from XXXX  is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with XXXX
Product: Payday loan, title loan, or personal loan

Today a process server, XXXX XXXX, called my cell phone from an unknown number and left a detailed message that I would be served papers tomorrow from XXXX XXXX unless I called this number-XXXX to discuss.. I looked up the number and it came back unknown on unlisted so I called. They proceeded to tell me what I need to do in order for the summons to court would be stopped ... .to pay the total amount today of XXXX. XXXX or the court XXXX. Or I could make payment arrangements to stop it all using a credit card to keep it on file. They actually wanted me to go buy a prepaid card to use. I refused and they did n't like it that I was going to contact my attorney or call the district attorneys office in my area. They also gave me another number-XXXX. and the name of the company is ADR Alternative Dispute Resolutions. I looked both up on the internet and could n't find any information.
Product: Credit reporting or other personal consumer reports

my identity and data have been exposed with XXXX
Product: Credit reporting or other personal consumer reports

Something needs to be done about Transunion reporting fraud on my credit report. I have file XXXX reports about inquiries that are not mine see CFPB report XXXX and XXXX they say that they would remain on my report for XXXX years even though an XXXX report along with police report was sent to them. They are not mine and shouldnt be allowed to stay on my report
Product: Checking or savings account

Told to file claim to see if Im due any money in return