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

Previous - COMPLAINT ID XXXX, Regarding : XXXX XXXX Account Number : XXXX, SUBMITTED ON XXXXExperian response to the filed CFPB complaint, was to follow up with my complaint against XXXX XXXX, XXXX , and submit to me the results of it's investigation. Experian failed to formally investigate the XXXX XXXX account and provide results of the investigation, as requested. Experian continues to allow XXXX XXXX to furnish false, damaging content on my credit report. XXXX XXXX refuses to respond to my complaint.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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, credit repair services, or other personal consumer reports

I recently reviewed a copy of my XXXX credit report. The credit report showed a hard inquiry from the company SYNCB/XXXX XXXX XX/XX/2021. I have since contacted this company on XX/XX/2021 and 4 more times after that. The company stated that this is indeed fraud and reported the claim to XXXX to be removed from my credit report. Upon checking, XXXX has yet to remove this hard inquiry from my report.
Product: Credit reporting or other personal consumer reports

Multiple times I have requested that my non-public personal information and NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, to stop disclosing, to any and all non affiliate third parties. For example, Credit reporting Agencies, which are clearly by definition, non-affiliate third parties and qualify under the FCRA and the Dodd Frank Act for consumer privacy protection as non- affiliated third party. They have refused to stop disclosing and continue to violate my personal private information without my express written consent. Under the FCRA the Dodd Frank Act and the Privacy Act of 1974. This must stop immediately.
Product: Mortgage

I closed on my home in 2015. I was recently told about the MCC option to file on my taxes for the life of the loan. My lender never offered this option to me, and I would have gotten an additional tax refund of over {$1300.00} this year alone if it would have been added. I reached out to my lender, and she stated I am unable to add it after the fact, but I do not feel this is fair as I was never given the opportunity initially. I am a single mom and this type of money would have helped me so much and I am so disappointed. Mortgage through USDA, payment comes from BB & T, loan officer XXXX XXXX XXXX
Product: Debt collection

Hello, I fell victim to identity theft due to the 2017 XXXX  breach that took place. I have spent a lot of time-fighting various claims. This has taken an emotional, mental, and financial toll on me. Time is precious and this is something that is frustrating. There is a delinquency on my credit report for XXXX for an account that was falsely created under my name. I have had to open a XXXX  account to keep others from using my personal information XXXX per month. I had to get the record of my credit card statement at {$5.00} per statement for the past 9 months. I've had to spend countless hours during the year of 2020 with XXXX and XXXX XXXX to stop purchases that were made on my credit card fraudulently.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered inaccuracies in some of the information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that Experian and XXXX authenticate this account. It is imperative that this reporting account not be treated as unconfirmed information without providing evidence within the legal timeframe. Please investigate the unverifiable account outlined below as per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) : XXXXXXXX XXXX XXXX  XXXX BALANCE : {$370000.00}
Product: Mortgage

We have trying to close on a VA refinance with Freedom Mortgage since XXXX, 2016 - A company agent assured us we would close in XXXX, 2016, We followed up on every & anything additionally the company requested - This company holds our mortgage now - and every month they come up with something new & often redundant to seemingly delay the process - The current adjustable rate we have is due to change XXXX XXXX - The last excuse is that a " consumer fraud alert '' came up on our application so the closing is again pending until the underwriters investigate & remove that warning. I called today & spoke with a customer service rept & left messages for XXXX XXXX who usually sends out the notices to us - that the processing is delayed because of something - that they always have prior to her sending out the notices. 
WE were also promised a interest rate of XXXX - that the company has not locked in for us to date - but verbally agreed to after we complained about the initial rate was high and the loan officer assured us we would get the best offer if the rates went down since and the rates did drop.
Product: Student loan

I consolidated my student loans through the XXXX program in XXXX XXXX. My original loan amount was for {$12000.00} at XXXX % interest. At the time of consolidation, the loan was serviced by XXXX XXXX, which offered a 0.25 % reduction in the interest rate if the loan was paid by automatic deposit every month as well as a reduction of 1.00 % from the interest rate after 36 on-time payments. I took advantage of these benefits, lowering my interest rate to XXXX %. At some point, without my knowledge, the interest rate was raised again to 5.125 %. Unfortunately, I am unable to see older statements on either the XXXX XXXX or Navient websites, but did contact XXXX XXXX in XXXX XXXX to determine when the interest rate for my loan increased and why. Customer service representatives have been unable to tell me my interest rates at different points in time, nor have the statements for those time periods been accessible to me. I mailed XXXX XXXX a copy of the document describing the 1.00 % interest rate discount, but nothing was done to address my concerns.For the statements that are available, the interest rate has always been 5.125 %. It is frustrating that my student loans, as part of a federal program, are subject to arbitrary interest rate hikes without any notification or justification.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I'm so disappointed! Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX and Experian Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Texas Laws Dear MOHELA/DOFED, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that MOHELA/DOFED has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MOHELA/DOFED to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MOHELA/DOFED immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MOHELA/DOFED will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2023. I XXXX XXXX and account holder at Citi Bank purchased an official bank check. The check was in the amount of XXXX dollars made of too XXXX XXXX, my landlord. Short story, check was stolen in the mail and was cashed somehow. 
As of XX/XX/XXXX, I was informed that the check had not arrived. I immediately went to the branch to report it and I was told that I must wait some time to see if it arrives in the mail. I returned to the Bank Branch on XX/XX/XXXX now I was told that the check was cashed. I made a verbal complaint to the manager that my payee did not cash the check. I was again told that i have to wait to see where the check was cashed. Finally on XX/XX/XXXX an affidavit was filled. But i still have yet to have anyone reach out or any confirmation of this investigation. My funds are supposed to be guarantee with the purchase of a bank check.
Product: Debt collection

Company sent me a collection letter mid XXXX 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match. <P/>When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXXXXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX
Product: Debt collection

On-Line Information Services is a collection agency that has been harassing me about a XXXX XXXXXXXX XXXX XXXX of {$240.00} incurred in XX/XX/XXXX in a condominium residence XXXX XXXX XXXXXXXX XXXX XXXXXXXX, that had been opened in my name due to identity theft. 

My son, XXXX XXXX XXXX and his father, ex-husband XXXX XXXX XXXX unlawfully took possession of the Florida condo in XXXX per fraudulent transfer of assets, and in fact, went before a judge swearing under oath that I had never lived there. 

Lo and behold in XXXX, I received a letter from the collection agency demanding payment for the utility bill. On-Line has tarnished my credit with all three reporting agencies. On numerous occasions, I have explained to On-Line that the condo was taken over in XXXX and I neither opened an acct in my name, nor had anything to do with the residence in XXXX when the charges were incurred. They have been been rude and have ignored my attempts to explain that I am not liable for this bill. 

I have spoken to XXXX XXXX and was told that they in fact, closed the acct years ago and are not looking for payment. They further advised me to report a collection agency that harasses individuals victimized by identity theft.
Product: Mortgage

Today at XXXX California Time I received a call from M & T Bank stating that I need to pay {$960.00} for the month of XXXX mortgage or else I would be charged fees. I explained to this caller that my mortgage was transferred from XXXX XXXX Bank and when the transition happened I was assured by letter that my payment status quo with XXXX XXXX remains the same. I pay my mortgage every two weeks in the amount of {$960.00}. Henceforth, the payment that I made through my XXXX XXXX   Account on XX/XX/2019 is the first half payment for the month of XX/XX/2019 and that I am not late. I was told that I should have made this arrangement with them but I was assured that the transition will not affect my agreement with XXXX XXXX. I also made a telephone call before the transition and asked if there is anything I should do but was assured that if I have no changes on my mortgage it will be okey. The mortgage bank information is M & T Bank XXXX XXXX, loan XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX. I have been diligent on my mortgage payment every XXXX weeks through my XXXX XXXX Bill Pay. Although I was transferred to a customer service representative that its been fixed that I am not late and my next payment this XX/XX/XXXX will be applied for the month of XXXX I cant trust their word on this. Please investigate this. Thank you. 

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

Good morning! 

I missed three payments ( XXXX, XXXX, XXXX ) in the year of XXXX due to COVID-19. 

I reported this to Wells Fargo during the early stage of COVID-19 when I was seeking assistance ( i.e. forbearance, loan modification, refinance ). 

On XX/XX/XXXX, I paid my mortgage off in full. Yet, Wells Fargo has placed serious delinquency on my XXXX credit report ( along with the other credit bureaus ). 

I do not understand why these over two-year-old payments ( due to COVID-19 ) are still being reflected on my credit report. 

Why didn't Wells Fargo report to all three credit bureaus that these payments were missed due to the national pandemic? 

Furthermore, why didn't Wells Fargo update this information when my mortgage was paid in full over two months ago? 

Like others, I have suffered emotionally, physically, and financially from COVID-19. I'm still suffering from this pandemic. 

Additionally, I'm suffering emotionally, physically, and financially from the information that Wells Fargo reported to all three credit bureaus. 

I humbly ask for immediate assistance.
Product: Debt collection

This Company purchased this debt I was unaware I d not owe this debt personal information was comprimised and i do not owe this debt.
Product: Mortgage

I have very big concerns regarding my home. Select Portfolio Servicing has placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review. 
SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked SPS they say its still active. How if im in review. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I had XXXX vehicles and no longer have the XXXX one and they applied a payment to the wrong one which made me " late '' with fees
Product: Debt collection

PRA is claiming to have validated a debt when they did not. THey did not produce 1. Offer proof of the debt, such as real accounting.

2. A signed invoice serving as proof of their claim against you.

3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery.

There has not been a proper invesitagation either. ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. 

No one was interviewed and this account was not verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX {$76.00}
Product: Credit card or prepaid card

I tried to rent a XXXX truck got there and decided to cancel the transaction so I was told everything was voided and my money would be refunded within 5 days but the prepaid card company ( current ) still has a pending hold on my card I spoke to several reps and I feel like the trying to scam me out of {$510.00} so now I'm contacting you guys. The transaction happened on XXXX XXXX and I still haven't got my money bk it's not the truck rental company it's the current ppl who's holding my money and for what