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

XXXX XXXX, 2017 Equifax Information Services. LLC, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX Date Open : XX/XX/2005 Balance : {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXXr old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2002 I sent a letter to XXXX, XXXX and Equifax advising them to remove outdated and information that doesn't belong to me, they have yet to do this. 


The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to do their due diligence in they investigation and facilitated fraudulent activities by removing inaccurate information and then putting it back on my consumer report, which has resulted in significant damages such as defamation of character and humiliation, as shown in the attachments below. Experian is also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent. And I know banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( 1 ). As a result of their carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow them to furnish a report on my behalf. Furthermore, by providing credit transactions that are to be excluded from my report, they violated 15 USC 1682a ( 2 ) ( A ) ( i ). As well as in accordance with 15 USC 1681a ( 4 ), I did not initiate the credit transaction, which constitutes aggravated identity theft. Experian were not giving any written instructions about furnishing things on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following conditions : in accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

RE : Dispute of Inaccurate Information Account # XXXX I am writing to dispute the reporting of a charge-off on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is NMAC. 
According to the IRS, a charge-off is considered gross or ordinary income because it represents canceled debt. Under U.S. tax laws, canceled debt is classified as income, and as such, income can not be legally reported on a consumer credit report. Reporting such an account as a charge-off on my credit report is a misrepresentation of the nature of the debt and its treatment under federal law. 
A charge-off, as income, should not be considered a credit obligation under the FCRA and thus should not be reflected on my consumer credit report. Reporting it in this manner is misleading and could result in inaccurate information being used to assess my creditworthiness. 
In accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that this matter be investigated and that the inaccurate information be removed or corrected immediately. Please provide written confirmation that the charge-off has been removed from my credit report or that a correction has been made.
Product: Debt collection

Repeatedly calling concerning. a mortgagee there to four times daily. The mortgage has been modified for months. Payments are up to date and when told this, we are told they have no way of knowing this because the computer automatically generates the account as delinquent and they will continue to make the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I opened an account with Genesis ( XXXX ) when I purchased a bed set from XXXX XXXX in XXXX. In XX/XX/XXXX the account was charged off and sold. My credit bureau says the account is owned by XXXX. The phone number provided led back to Genesis. 

I have contacted Genesis several times since XXXX of XXXX to get information on my account so that I can settle it. In every instance, Genesis has told me they are unable to provide information regarding whom the debt was sold to, leaving me no way to pay back or settle this account. 

I am at a loss for what to do to resolve this account and improve/repair my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THE FOLLOWING INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter from a third party debt collector, XXXX XXXX XXXX XXXX in XXXX, NY claiming they were trying to collect a {$2000.00} debt I owe to PayPal , Inc . 

I use my PayPal regularly and neither my regular PayPal nor my PayPal credit account show any balance owed or past due.

The letter claims that PayPal will accept {$1500.00} as partial payment if I cough up the money quickly. I have reported this to PayPal 's security team as well. 

XXXX XXXX
Product: Student loan

Around XX/XX/2018 ( I do not remember the exact date ), the grace period for my Perkins loans ended. Upon logging into my XXXX XXXX account, the company that is contracted with XXXX University to service both their private loans and their Perkins loans, I noticed that they had charged me a few months worth of interest. As Perkins loans are subsidized, there should be 0 interest until the grace period has ended. I contacted their customer service, and they resolved the issue, getting rid of all the interest.

Ever since I began repayment of my Perkins loans, I have been overpaying, mostly because the website is very confusing and does not indicate how much one is supposed to pay every month. In two months, I paid ~ {$200.00} ( on a ten-year term, {$5000.00} principal, 5 % interest Perkins loan ) -- when really I only owed around {$100.00}. ( I don't know exactly how much I owed because the website does not tell you. The " amount due '' changes every day ). 

Then, yesterday, XX/XX/2018, I logged into the website to find that Heartland had marked me as past due by {$10.00} on my student loans. Because I have been overpaying, I believed this was a mistake, and after contacting them, they updated my account to no longer reflect past due. It is now current. 

However, I am still unclear on how much I owe every month. Customer Service has finally informed me that the answer is {$55.00}, which I have been paying, yet I was marked " past due '' when I paid that amount in XXXX. I have attached screenshots of my payment history, as well as the other information that Heartland provides me. As you can see, while their website states that I owe {$54.00}, it is unclear whether this is the amount I should be paying every month, or not. In the statement from yesterday, they stated that I owed {$68.00} ( {$10.00} past due ), while today, I owe {$54.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, I reported suspicious activity to my bank, XXXX XXXX, that on these occasions money was electronically removed from my account and sent to an unknown to me company by the name of MONEYLION. XXXX XXXX immediately reported it as fraud, reimbursed me the total amounts {$340.00}, {$440.00}, etc. for a total of {$1800.00}, and I thought, " Good. That was that. '' But when I applied twice for two credit cards and was turned down it was because MONEYLION REPORTED THE AMOUNT AS DEBT DISCHARGED, THUS RUINING MY VERY GOOD CREDIT. 

I called, emailed, and sent bank statements to them and I all I got was I needed more information, a criminal report, evidence I had paid them, etc., etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to update my credit score that has changed there where several inquiries removed but they are still reporting my credit score before the inquiries were removed and they refuse to update my credit score and my Equifax.com never show your real score they removed items from your credit report but never update my score
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wed, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : To Whom if anyone this may concern : OBVIOUSLY YOU CANT READ DATES AS YOUR ENTIRE REBUTTAL IS ABOUT XXXX NOT THE CURRENT ISSUE XXXX My secondary home WAS AFFECTED BY HURRICANE FLORENCE XX/XX/XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. XXXX changed the address to XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I had over 11k in damages to my secondary home. I work from this home 6 months out of the year and do have an office in the home. I sent you a copy of my insurance claim showing the damage IN THE PRIOR EMAIL. If you had bothered to LISTEN TO THE CALL AS REQUESTED XX/XX/XXXX you would have heard the information. Also your representative was given the info twice I do believe during that phone call. I was advised by your Co. Representative that THE DISASTER ASSISTANCE 90 DAYS no pymts to allow me to make repairs. I was told next pymt due in XX/XX/XXXX. I called in prior to XXXX and requested an additional month extension to complete repairs due to extensive flooding in the area and unable to get to the property due to road closures right away. It was granted. I was then told next due XX/XX/XXXX. I WAS NEVER INFORMED IN WRITING OR OTHERWISE ANY DIFFERENT. I was late making this payment and when I signed in to make the payment, I saw you had the ACCOUNT MARKED INCORRECTLY AS PAST DUE 4 MONTHS. I CALLED IMMEDIATELY. You need to review the initial call requesting disaster assistance. I NEED THIS CORRECTED/MY CREDIT REPORT FIXED ASAP to reflect no late payments. If this is not ESCALATED TO THE PROPER PERSON TO CORRECT, I will seek legal action to resolve, with you using YOUR COMPANY 'S recorded phone call as proof this is what I was informed. This has caused me to be turned down for credit for repair financing, and beyond furious. Someone there dropped the ball or didn't reach out to me to get info if you needed it OR ADVISE THERE WAS EVER ANY ISSUE! XXXX!!!!! I WAS NEVER NOTIFIED AT ALL. I'LL await your prompt reply/correction. 

THIS NEEDS TO BE CORRECTED TO SHOW NO LATES AS PER AGREEMENT WITH YOUR REP FOR DISASTER ASSISTANCE XX/XX/XXXX. 

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

I received a box of documents from a relative and found paperwork of 4 student loans in which I did NOT authorize by my official signature to proceed. They appear to be electronically signed with my name but without my authorization or my personal signature.

The original 4 loan amounts loan dates are as follows : Loan # 1 XXXXXXXX XXXX XX/XX/XXXX for {$20000.00} Loan # 2 XXXX XXXX XX/XX/XXXX for {$14000.00} ( the promissory note for this loan # XXXX has my forged signature on the document ) Loan # 3 XXXX XXXX XX/XX/XXXX for {$7800.00} Loan # 4 XXXX XXXX XX/XX/XXXX for {$2500.00} Per my credit reports, these are now under Navient. Ive tried a few times over the past several years to dispute my claim that I am NOT the co-signer on these 4 loans  and I have asked several times for documentation/promissory note copies from the services to provide proof otherwise and they do not seem able to cooperate.
Product: Mortgage

Dear XXXX XXXX and CFPB representatives, I am writing this letter to inform you of the wrongful foreclosure that is occurring on my mortgage loan and to formally request that Nationstar Mortgage remove the foreclosure sale date presently on my mortgage loan against my family home/property scheduled for XXXX XXXX, 2016, to allow for a complete RMA review. As of XXXX XXXX, 2016, I submitted a compete request for mortgage assistance ( RMA ) per multiple account representatives at Nationstar Mortgage to include XXXX XXXX and XXXX ( XXXX XXXX on XXXX XXXX, 2016, and XXXX - Agent ID # XXXX on XXXX XXXX, 2016 ). 

I have every intention of retaining my home and have already submitted a complete Request for Mortgage Assistance ( RMA ) as of today in an effort to restructure my mortgage debt to retain my home. The only document that had been missing from my RMA was a current dated MHA HAMP RMA ( only requested 12 days ago on XXXX/XXXX/16 ), which has already been submitted to Nationstar Mortgage and is attached for confirmation. This document was delayed as a result of the lack of communication by Nationstar Mortgage to convey what was needed to submit a complete package. I was advised on XXXX/XXXX/16 that I submitted a complete package, which means that the foreclosure sale should have been removed at that time by Nationstar Mortgage to not engage in unlawful dual-tracking practices. Additionally, I was also advised that Nationstar Mortgage created a missing documents letter but NEVER SENT IT OUT to me perpetuating the wrongful foreclosure, which in unjust at a minimum. 

I have now submitted a complete Request for Mortgage Assistance ( RMA ) to include the current dated MHA HAMP RMA that was the justification for moving forward with the foreclosure from Nationstar Mortgage to date. Per the California Homeowner Bill of Rights, RESPA and the CFPB ; foreclosing on my mortgage loan while currently in a RMA review would be wrongful, in violation of multiple state and federal laws, and illegal. 

Please help me to postpone Nationstar Mortgage 's foreclosure sale date immediately to allow for a complete review for mortgage assistance on my mortgage loan. Please also ensure that Nationstar mortgage provides a missing documents letter to me detailing what documentation is still missing on the file to deem it complete since it is confusing as to what is needed when and in what time frame. 

Thank you in advance for your assistance with this matter. I look forward to hearing back form you in an expeditious manner since time is of the essence with the sale date pending for tomorrow!
Product: Checking or savings account

On XX/XX/2023 I received multiple wire deposits from XXXX in the amounts of {$15000.00}, {$30000.00}, {$7000.00}, {$3400.00} and {$7000.00}. My Finance currently resides part time in XXXX and part time with me in Florida.The funds were income from work he does in XXXX. He has dual XXXX XXXX XXXX  citizenship and is not currently on my accounts due to a pending divorce. I used part of the deposited funds {$39000.00} to purchase a vehicle for my Fianc by wire transfer from a car dealer in MA. Capital One called to verify the transaction and asked multiple questions, which I answered to the best of my knowledge at the time, given I was not at home in front of my computer. They thanked me and said the wire would be sent. I even received confirmation that it was initiated. I then attempted to make a purchase for {$510.00} with XXXX and it would not go through so I attempted to use my debit card for the purchase and it was declined. When I logged in to my accounts about an hour later, there was a message that said my accounts were locked with a number to call. The {$39000.00} wire had been taken from my balance but to date has not been received by the Auto dealership causing me to send them another {$40000.00} through another account or lose the vehicle.when I called the number, I was instructed to leave a voicemail and it could take up to 48hrs for them to respond. I finally received a call back and the woman was condescending and when I told her I needed to get the information she was asking for, she hung up on me. When I finally got through to some one else they told me I gave inconsistent answers and my accounts were closed and I would get a check for the funds mailed to me when they finished their investigation. I asked when that would be and was put on hold for 30 more minutes and when he returned his answer was- I dont know he said I would receive a letter or email of explanation in 3 days. It has been 5 days and I have received nothing. I cant speak to anyone because of the status of my accounts and when I was finally able to leave another message yesterday, I have not received a call back. Capital One is holding over {$21000.00} of MY money hostage along with a wire transfer. It has been 6 days and still I have no explanation in writing or indication when their investigation will be complete and my money returned to me.
Product: Credit reporting or other personal consumer reports

I tried to get in contact with XXXX, XXXX and equifax about late payments that was showing up on my account. I asked them to send me statements that was sent out from the original creditors and all 3 failed to do so. I been trying since last XXXX  of XXXX  and the only thing they send me back is a copy of my credit report. No investigation has been done.
Product: Credit reporting or other personal consumer reports

Please provide your method of verifying the accuracy of the listed account : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00}
Product: Checking or savings account

In  XXXX  of    2016  I had my student loan re-consolidated. The company I had do this service for me was   XXXX   XXXX    XXXX . I had automatic withdraw set up through them where every month {$140.00} was withdrawn through my checking account at  First National Bank. I had received a letter in the mail a few weeks ago from the   Department of Education saying I was late on my student loans. I came to find out the company  XXXX   XXXX   XXXX  was not making those payments towards my student loans. I had tried numerous times to contact them via phone and email. They do not exist anymore and there is no way to contact them. I filed a police report with the authorities. It was determined that there was a total of  XXXX  fraudulent charges towards my checking account a nd First National Ba nk only credited back  XXXX  of them. Attached you will see  XXXX  letters stating the ones that were and were not credited back. This was an obvious scam and I would like the bank to credit back the  XXXX  charges that were not.