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

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$9500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have two negative account on my credit report stating a balances owed. Both accounts are paid at XXXX balance, but all three credit bureaus still have the account as negative with balance. 

This is hurt my quality of life to do business transactions and personal financial accounts for me and my family. I have written to the credit bureaus and still no change. 

XXXX XXXX accounts XXXX. XXXX XXXX. XXXX XXXX  XXXX, Negative Account, Date XXXX, Balance {$160.00} Status, Account charged off. {$3900.00} written off. Balance as of XXXX {$160.00}, {$160.00} past due as of XX/XX/2023. 

XXXX XXXX, Negative Account, Date XXXX, Balance {$2700.00} Status, Account charged off. {$2700.00} written off. Balance as of XXXX {$2700.00} {$2700.00} past due as of XX/XX/2023.
Product: Checking or savings account

My XXXX  account was linked to them before, it is a working account and in good standing, capital one keeps removing them from my account and I can not make any transfers from my XXXX  bank to my capital one money market account.
Product: Student loan

The Nelnet website has been constantly down for the past couple of months making the ability to make payments, access loan information, and check balances unattainable. When I reached out to Nelnet about the tech issues via email, no response is ever provided back. 

Nelnet 's website has been constantly down for the past year for various issues, and the screenshot attached just shows the latest issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are updating a closed and paid in full account every single month as Negative late and charge off when the account was settled and paid in full 4 months ago. The credit bureaus goes between those 3 descriptions and continue to report on this account every week, making my credit score drop when this account has been closed and paid off for months now. Instead of fixing the information after sending emails proving that Ive paid the account off, they have every excuse in the book as to why they are right and I am wrong. Ive reached out to XXXX XXXX twice and Experian and  XXXX   twice as well. I was told today to take it up with the Consumer Finance so this is what I am doing now. I really hope this can be  resolved and quickly as Ive done my part and need the credit bureaus and XXXX XXXX to do theirs!
Product: Mortgage

in XX/XX/2021 I talked with XXXX XXXX XXXX of XXXX, because i had fallen a few payments behind and i was scared i was going to lose my home. So i gave them XXXX or XXXX XXXX dollars to start my case and i filled out with my signature a cease and desist form for my morgage with us bank. Then i was suppose to fill out more paperwork and send them more money. They started being real pushy and I suspected fraud right away. So I told them in email i wasnt going to be using there services. And i felt they were fraudulent. Months later when i went to do my taxes. I noticed them on my tax paperwork. I went to the bank, they actually were rude to me as if i was crazy. I felt discouraged and time went by. Im talking to morgage assistance yesterday and they pointed them out on my morgage statement. I had no idea they were on it. I called the bank I told them to take them off of person of contact they are fraud. She told me she could not do that.. Im upset that i never signed any paperwork or any contracts with them and i didnt do any of there obligations they said i had to do in a timley maner. now when i go to talk to my bank they cant help me out. I have proof of emails telling them i was not using there services. I cant believe the bank will quickly put them on my morgage. I have not gave them any money I have been paying the bank my morgage each month to us bank. Im so afraid. They are trying to take over my home. Espacally I never did any business with them. What do i do next?
Product: Mortgage

I was attempting to move a home equity line from one bank to another. I show up at closing alone to find my husband 's name on the documents for signature. I was not told he would need to be there to sign. I did not believe he needed to sign, as he is not on the property title or on the existing loan nor do I live in a community property state and my ownership predates my marriage. Bank of America stated that since Colorado is a homeshead state he still needs to sign the deed of trust. My research on the internet finds that his signature is only required in Colorado if I have filed for homestead exemption, which I have not done. It seems to me that they are denying loans not even knowing current law.
Product: Credit reporting 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 that need to be investigated and deleted from erroneous reporting in my file are listed on 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 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 XXXXXX/XX/XXXX
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I disputed.. 
Please resolve this manner as soon as possible. Thank You
Product: Student loan

I have applied and was told I was put on forbearance 3 different times in 2023 due to awaiting Judges decision on XXXX hearing. I was never put in forbearance or deferment and then I have been reported to credit bureau as late! After waiting XXXX hours to finally get a supervisor, she basically gave me more incorrect information just to get me off the phone. I finally got my favorable decision from XXXX and reported that to them in XX/XX/2023. Nothing changed, but was told I was in an administrative deferment? That was not the case, nothing changed again. I was able to finally apply for Total and permanent XXXX discharge in XX/XX/2023. The amount of time and mental distress this company put me through makes me really wonder how someone who is working full time to pay their debt back would ever have the time to contact them or get any kind of positive results. This is unacceptable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letters regarding inaccurate and unknown things on my credit report. To date it has been more than 60 days that I have not received a response. At this point I feel as if I have been not been treated fairly and my disputes are being ignored. Section 611 ( a ). states clearly that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. as stated prior it is past 60 days so they should be deleted punctually. I demand that these accounts be deleted immediately or I will file a ligation due to XXXX  caused to me.
Product: Mortgage

I had the mortgage set up for auto debit. In the beginning of XX/XX/2018, the mortgage company took two payments out of my account. I called them and brought this to their attention. On XX/XX/2018 the mortgage company sent me a statement indicating that my next payment was not due until XX/XX/2018. Despite this, at the beginning of XX/XX/2018, the company attempted to take out another payment from my account. I immediately called them to protest the payment. The company indicated that it would not reverse the XXXX payment ( per XXXX ). In discussing the issue with them, the company claimed that I initiated the payments which was untrue. 

In order to avoid yet another payment being withdrawn from my account, I put a stop pay on the account and stopped the auto debit. The stop pay cost me {$35.00} to defend my account from a debit which should not have taken place. On XX/XX/2018 the company sent me a letter asking me to replace the stopped payment in certified funds. It also threatened to report the stopped payment to the credit reporting agencies.
Product: Debt collection

I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Credit Managment LP which is a violation of FDCPA. Credit Managment LP has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Credit Managment LP, nor any party that Credit Managment LP claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Credit Managment LP remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
Product: Debt collection

I received a letter from Convergent to settle my debt. I replied to the letter with my account information for them to take money directly out of my account on a monthly basis until the debt was finished, but they never took any money out of my account. I even sent them an email to get back to me as there were two different addresses for them, but I never received a response. Recently, I saw them on my credit as collections for a debt that I did in fact try to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report has XXXX XXXX XXXX collection agency on my report the amount is {$200.00} the date was XX/XX/2020. I called XXXX XXXX XXXX, and tried resolving this issue to let them know this is a error, and that i have no knowledge of this collection, but they kept calling me.XXXX XXXX XXXX  told me this collection i owed was from XXXX XXXX and XXXX, that i have no knowledge of.I had to change my number to stop the callings im hoping this error is corrected.
Product: Mortgage

I applied for a refinance of my mortgage XX/XX/2020. Navy Federal has still not closed on the refinance 6 months later resulting in unnecessary interest accumulation. Navy federal stated they were poorly staffed and couldn't handle all the request.
Product: Credit reporting

An address was added to my credit report  XXXX   XXXX   XXXX  and that is not my address and I do n't know that address.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal and blocking of specific unauthorized credit inquiries on my XXXX report, which I believe are linked to the XXXX XXXXXXXX data breach. I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) to have fraudulent inquiries blocked and deleted from my credit report, as they did not originate from any action on my part. 

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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 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: Mortgage

I XXXX XXXX XXXX Loan # XXXX address XXXX XXXX XXXX XXXX XXXX nc XXXX applied for an loan modification with selene finance on XX/XX/year> for the XXXX time bc I was advice the first one submitted on XX/XX/year> was ineligible with no explanation by the end of XX/XX/year>. I was told to reapply which I did so and they mixed all my new documents in with the new application for the loan modification I was applying for they stated bc you have 10 days to appeal.this had nothing to do with me if I followed what their customer service rep told me. I emailed all doc bc of thr fact I couldn't submit on loan but called each day and was told they received it. I have all email acknowledge in my gmail of what was sent and received. Therefore had to submit again several times until they finally received my application on XXXX XXXX XXXX.i have been getting the run around each time I submit documents it takes several days until I am told what else is needed. While doing this process my account is in active foreclosure and I have been receiving notices from the lawyer and when I called do to not getting the response I am needing from my servicer in a responsible time frame. My reinstatement notice expired on XX/XX/year> as well as the doc to submit all documents.
Product: Credit reporting

I am making formal complaint against TransUnion and XXXX Credit Reporting. 
I have paid XXXX XXXX Bank in full and I requested for these Credit Reporting Agencies to delete XXXX XXXX Bank off my Credit Report and they have refused believing XXXX XXXX Bank that I still owe them {$260.00}. I owe XXXX XXXX Bank nothing. I was a good customer and paid my credit card bill in full every month and than XXXX XXXX Bank came up with a bogus Idea of Fraudulent Activity on my account and suspended the account untill I could prove the account was mine. XXXX XXXX Bank was n't making any money in interest on my account so therefore they want to get rid of my business. I want an investigation into XXXX and TransUnion Reporting Agencies and also XXXX XXXX Bank.
Product: Credit card

I had a qvc credit card XX/XX/XXXX. I made a purchase for a samsung galaxy tablet and made monthly payments on it. I paid this tablet off in full. I contacted qvc last year because I received a letter stating that my account was overdue. I immediately contacted qvc and was told I was to make the payments to my Qcard not directly to qvc. I have a major discrepency with them because now they have placed me in collections with XXXX. I called Vital solutions this morning XXXX/XXXX/XXXX and was told the bank will settle and close the account with me for {$250.00}. I explained that I am not agreeing to this as to why should I have to pay again? Regardless if the payments went to the Qcard or qvc either way this company has been paid in full. To my understanding today qvc was bought out by crown assets. I have tried contacting crown assets but no success. This balance that is in collection is from interest/late payments/fee 's. I should not be responsible for all these fee 's as this account was paid in full and paid each month on time till it was paid off. I am submitting this complaint because they are affecting my credit score and credit report with this information.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXXXXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I live in XXXX and because of the Lending laws in XXXX this debit is null and void and un collectable. XXXX caps interest rates for loans to 28 percent and only maximum of XXXX dollars amount per loan. These internet loans are predatory and illegal. The interest rate for these loans are 300-400 percent. A XXXX dollar loan becomes XXXX and pay for 9 years. The below companies are on my credot report under the collections category. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Both companies go through Collection Agency XXXX XXXX XXXX XXXX they also practice unfair collecting. Called my wife and other family members and forced me to start a monthly payment plan with them so they could stop calling my family. Very embarrassing and it should be illegal.
Product: Student loan

I am currently with Fed Loan Servicing, and enrolled in XXXX. I am trying to get months I was in school-deferment to count towards my XXXX  months. I would also be open to submitting a payment for what my payment would have been back then. Some people have {$0.00} payments counting towards forgiveness, and I am upset that I was not provided guidance on submitting correct paperwork to get this status. I have XXXX messengered and spoken to people at Fed Loan. I also back dated an in school-deferment waiver to hopefully change this. No changes yet. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting of Closed Account Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of an auto finance account on my credit report. For over a year, I have been attempting to synchronize and correct the records across all three major credit bureaus. Specifically, the account in question is with XXXX  XXXX XXXX and is listed under the account name charge card. 
Despite my numerous credit disputes, XXXX persistently reports this account as open and claims it has been verified. This account was, in fact, closed, and I have provided the necessary discharge documentation from my XXXX  XXXX bankruptcy as evidence. Unfortunately, my evidence has been consistently ignored, and the account status remains incorrect. 
I am seeking your assistance to rectify this situation and ensure that my credit report accurately reflects the closed status of this account. Your prompt attention to this matter would be greatly appreciated, as it is crucial for maintaining the integrity of my credit history. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the erroneous accounts and information reporting on my Credit Report but all my Disputes have been ignored and neglected by the Credit reporting Agencies. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required o conduct an investigation and verify the disputed items being reported on my Credit Report. And if the Credit Bureaus insist that the Disputed accounts are verified, I need the Credit Bureaus to provide me copies of proof of verification. However, all my previous requests for proofs of verification have been neglected by the Credit Bureaus. I am submitting this CFPB Complaint to request another investigation and correct my Credit file from any erroneous reporting. I need the following items deleted if the Credit Bureaus are not able to verify : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This is not a duplicate report and this is not filed by a third party or credit repair agency. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to - USC 1681 Section 602A states that I have the right to privacy.- USC 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 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. Furthermore, please provide the following : 1- The original contract with my signature on it. 2-Creditor information ( name, address and phone #, of original merchant. 3- The payment history and itemized billing associated with each account. 4- Proof of ownership ( proof that the company trying to collect this debt has authorization to do so ). If you can not provide these things, please delect these accounts from my credit report, Thanks!
Product: Credit card or prepaid card

I stayed at a XXXX XXXX XXXX for 2 nights. I had points and certificates for 2 nights free and would only be charged for incidentals, tax, parking. The person checking me in confirmed this. XXXX XXXX also confirmed this. When I checked out they charged my card correctly for the incidentals, tax, and parking for {$120.00}. Then, the next day, they charged me {$210.00} for a night 's stay. I have contacted the hotel about 8 times and can't get anyone to respond, and I have called XXXX and Chase. XXXX said I have to dispute the charge with Chase. Chase says they can't help me after spending XXXX minutes on line with them.