23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a credit score of XXXX. Quicken Loans was my initial mortgage company also. I informed Quicken that I was going to refinance and they offered me refinancing on XX/XX/XXXX to stay with them. I completed application, and provided all documents timely, and almost all documents required, I provided either same or next day. Initially, they promised to pay {$1400.00} of the points, but in the closing disclosure, they changed it to {$920.00}. I tried constantly to change it, but they wouldn't do it. I contacted XXXX on several occasions, and he told me that I should just pay it to avoid delay. I was ready to close since XX/XX/XXXX, and wanted to avoid paying another mortgage payment ( the whole idea was to reduce my monthly P & I from XXXX to XXXX ). I had to make a payment because of their unnecessary delays and incompetence. I lost {$1000.00} as a result of their delays. Please help me in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to emphasize that these addresses and names are unfamiliar to me, and I have never resided at any of the mentioned addresses. Therefore, I request that you promptly investigate this matter and remove these inaccurate details from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you provide. Please note that the presence of incorrect addresses and names on my credit report can potentially harm my creditworthiness and hinder my ability to obtain credit or financial services. The only address i would like on my credit report is XXXX XXXX XXXX XXXX XXXX, tx XXXX kindly request that you initiate an investigation into the inaccurate information and take appropriate action to rectify the issue. Furthermore, I would appreciate receiving a written confirmation once the incorrect addresses and names have been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit reporting act XXXX XXXX XXXX Account # 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX, for the past XXXX XXXX XXXX  months via the dispute request filed, Nelnet continually refuses to provide the correct balance, account status information ( Closed or transferred to XXXX ) to XXXX so that my credit report can be more accurate. 

Nelnet has provided the attached letter to me dtd XXXX XX/XX/XXXX. 

I have provided the attached letter to XXXX via each dispute request filed ( XXXX filing to-date ). 

I'm being informed by XXXX each time I speak with a representative over XXXX XXXX student loan account are still being incorrectly reported because Nelnet is sending " false or inaccurate information '' that doesn't match the attached letter adjustment information for all XXXX recipients. 

Nelnet has provided the information in the attached letter to XXXX and XXXX on or about XXXX XX/XX/XXXX. 

Department of Ed Ombudsman complaint was filed via their website XX/XX/XXXX- currently awaiting a response from them. 

Last XXXX  rep spoken to, XX/XX/XXXX @ XXXX, encouraged me to file a complaint with you ; hoping you can get this resolved for me and other XXXX recipients. 

Thank you in advance, XXXX XXXX XXXX XXXX
Product: Student loan

I sent in a large payment ( {$13000.00} ) XX/XX/XXXX with a note stating how the payment is to be allocated since Navient ( XXXX ) does not allow you to allocate payments to certain accounts online. I also emailed them stating how to allocate my payment. This should have paid off in full XXXX loans. They did not allocate the money correctly. I have called every month and they are still incorrectly allocating my money ( now XX/XX/XXXX ). I have received XXXX letters stating these loans have been paid in full yet Navient has yet to actually show they are paid in full. Beyond frustrated that their system does not allow me to dictate how my payments are allocated if made online through their site. Their supervisors " fix '' the problem but my next month bill shows balances. It has been a never ending circus trying to get this fixed.
Product: Credit reporting or other personal consumer reports

I disputed an account listed as XXXX XXXX on my credit report, which inaccurately shows a collection balance of {$620.00}, past due as of XX/XX/year>. The account was opened in XX/XX/year>, and the original creditor is XXXX XXXX XXXX XXXX. I initiated a dispute in XX/XX/year> because the account was incorrectly reported, and no proper validation of the debt was provided. 

Despite filing the dispute, the account was updated in XX/XX/year>, but no verification or supporting documentation regarding the debt was provided to me. I never received any details on the investigation process or its results from either the credit reporting agency or the creditor. I believe no proper investigation was completed, and I did not receive the necessary validation of the debt or the required documentation to support the claim. 

I am now resubmitting my dispute to request a thorough re-investigation and to have the inaccurate information removed from my credit report due to the lack of investigation and supporting evidence.
Product: Money transfer, virtual currency, or money service

I was referred to Money Management International by my bank as a method to overcome a mounting credit card debt issue pertaining to unsteady employment. I had previous consolidated with a personal loan but quickly built up the balance on my cards again. MMI set up 5 year plan, and most accounts are being repaid on schedule except for the largest account, the personal loan. In the nearly three years so far, several payments have come in close calls of being late. Despite the money being taken from my account the month prior. Check are lost and the follow up process is often left to me. This particular occasion a check was unaccounted for for nearly 25 days, and luckily my loan service reached out and I was able, with some financial strain, to make that payment directly. 

Reaching out to MMI they said they would send their research team on it, and would determine if the check was lost. I updated them with all the information from the lender and gave clear instructions to cancel their check and refund my payment. They refused to comply saying they must determine if other checks from other payers are included in that lost batch so therefore I must wait at their convenience to receive a credit. 

I spoke very clearly to the customer service a second time, after not receiving follow up from the research team, that I can not trust a company that puts the error of lost payment on my burden to solve and cover, let alone wait 30+ days for a resolution. I have not received any resolution and my financial status is strained because of this. I have never been late with my commitment to MMI and I feel trapped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX ), phone XXXX, had our mortgage over a period of time and it was a complete nightmare. I was constantly calling to have late charges removed because they were added to our monthly statements and the account was never late. They continuously tried to say they did not receive my payment on time when I have the cancelled checks to prove it was received timely. They attempted to add extra homeowners insurance to my mortgage several times ( when they had proof and a copy of the policy I have through XXXX XXXX for over 20 years ) and the insurance had never escrowed in from the beginning of the loan. They changed the owner of the loan from my name to the estate of.. my deceased father, and I could not get anyone to help or even talk to me about the loan. The loan has been in my name from the beginning, so not sure what happened or why they changed it. Im still trying to reach someone there that will actually help me to get things straightened out even now after they have sold our loan to another servicer. This loan with XXXX XXXX XXXX is showing still open and late on my credit report to this day and is ruining my credit. Ive been trying to resolve this for months to no avail. Its time to get an attorney involved if this can not be resolved within the next 5 business days.
Product: Debt collection

I just recently found out that I have a judgement against myself ( From a credit report ) I went to the Court House and asked them. They told me, " Yes you do. '' and provided me with the paperwork stating how much the judgement was for ... And now .... The collection agency is demanding over a {$1000.00} in interest. I was never notified of any actions that were taken against me by the collection agency. Then when I called them today and asked them to provide me with the judgement paperwork, where it shows that they were awarded that interest, they refused to do so.Please help me to resolve this issue.
Product: Credit card

I opened a Macy 's XXXX credit card roughly XXXX years ago, for which I had a physical credit card issued. In the last XXXX months Macy 's created a separate " store credit '' account under my name separate from my XXXX account ( no physical card, no notification of creation ). This " store credit '' account only tracks purchases made online at Macys.com or through store purchases, both made using the XXXX card. All other purchases made using the XXXX outside of Macy 's are charged to the XXXX card. In XX/XX/2016 I fought a late fee on the " store credit '' account and signed up for autopay, and was reimbursed the late fee and paid the remaining balance in full. Subsequently I was charged interest on the {$0.00} balance, supposedly because it was a delinquent payment ( even though the late fee was waived and a customer service rep submitted the payment ), though I was not notified that the {$0.00} balance would carry a fee. I received notification in XX/XX/2016 that my account was yet again past due, this time with a {$31.00} late fee attached, along with an additional {$4.00} in interest on the previous {$0.00} balance. Apparently the autopay was not set up. I called to have the late fee removed and set up autopay. The late fee was removed but will likely hit my credit report as a delinquent payment. I have not missed a payment in XXXX years and was a few days late on XXXX payment in setting up autopay. 

Macy 's has XXXX XXXX ) set up a secondary credit account without my knowledge or notification for store purchases only, ( XXXX ) charged me interest and late fees on interest for carrying a {$0.00} balance, and ( XXXX ) charged a late fee of {$31.00} without sending a statement.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

These two items were a result of Identity fraud that shows up on my credit report as hard inquiries. 

XXXX XXXX XXXX  XXXX XXXX XXXX, 2022 XXXX XXXX XXXX 2022 2022
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and found the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Quicken Loans XXXX XXXX, 2016 All we did was put in our information, like they asked, to see what deal they could offer us in case we decided to refinance our home. Nothing ever came of it. We did n't even talk to them. This is not applying for a loan. We checked with several companies to see what they had to offer. They should n't ask you to see what we can do for you if that mean messing up your credit score.
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry Here are some of the derogatory items on my credit XXXX. XXXX XXXX XXXX Was 120 days late XXXX time ( XXXX ). 
XXXX. XXXX XXXX XXXX, collection account, placed for collection
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX I wrote to the credit agencies requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit card or prepaid card

They manage to get a credit card from Great American Finance Co through XXXX 's XXXX and withdrew cash advance on the credit card. This card was open under a massive identity theft in which they have everything to take over my life including SSN, phone #, they changed my address through USPS, everything. Account was open on XX/XX/2022. I tried calling Great American to shut it down but they didn't because I didn't have the account number??? I have all these hard inquiries and soft inquiries that have affect my excellent credit score.
Product: Credit reporting or other personal consumer reports

Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to XXXX in regards to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In XX/XX/year> I reached out to XXXX to investigate the matter. After 30 days i received rests from the dispute but nothing was changed after saying the accounts was updated and verified, I compared my report from the prior months and noticed nothing had been updated, which is a violations of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts at question was fraudulently opened under my identity which put me as a consumer and my credit report at great jeopardy. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, there job is to make sure accuracy reflects on a consumer reports and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being no compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to this Data Furnishers and how they are in clear violations of the what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquires and accounts be Deleted.
Product: Credit card or prepaid card

-- Sent email to Citizens Bank at XXXX " disputing a fraudulent credit card charge from " XXXX XXXX XXXX XXXX  on XX/XX/XXXX for {$52.00}. I never received any products from this company. Please remove this charge from my account. '' -- Also called and reported issue to XXXX on XX/XX/XXXX. Told by XXXX ( and repeatedly thereafter by Citizens Bank customer service agents ) that I did not need to pay disputed amount while disputed ; also told there was number to contact " disputes department '' and that I must wait for a call within 3-5 business days ; I have never received any such call. 
-- Thereafter, I kept receiving " interest charges '' because of the disputed amount, which still had not been removed. Called and spoke with agents including but not limited to XXXX on XX/XX/XXXX ; XXXX at on XX/XX/XXXX ; and XXXX on XX/XX/XXXX as well as his supervisor " XXXX '' ( in XXXX " contact center ; '' her supervisor identified as XXXX XXXX. Interest charge removed each and every time while amount remains " disputed. '' -- Emailed again on XX/XX/XXXX ; still no response.
Product: Debt collection

For the last 6 days starting on XXXX XXXX they called 6 times, XX/XX/XXXX XXXX, XX/XX/XXXX 6 times, XX/XX/XXXX 6 times, XX/XX/XXXX 6 times, XX/XX/XXXX 5 times demanding payment on furniture account. We have repeatedly asked them to quit calling us so many times a day. Told them that what they are doing is harassment and intimidation. They keep asking when we can pay and I keep repeating when I have the money even though It never goes a month overdue. The payment is due the XXXX of the month and if not paid by then the harassing phone calls start. Most if not all the calls are from foreign call center mainly XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Cover Page of Credit Report shows 5 accounts ever late ; no late payments reported on the Credit Report. 

Accounts : XXXX - {$1300.00} ( XXXX XXXX Reported Wrong Amount {$500.00} Deposit Missing - Lease Agreement, Email & Itemized Receipt Attached ) XXXX Funding - {$1000.00} ( Reports To Only TransUnion - Original Collection Amount Shows Inaccurately & Inconsistent ) XXXX XXXX - {$2100.00} ( Reports To XXXX, XXXX - Original Collection Amount Shows Inaccurately & Inconsistent ) XXXX - {$3500.00} ( Reports To XXXX, TransUnion, XXXX - Original Collection Amount Shows Inaccurately & Inconsistent ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Thank You : First of all thank you for your help, I am getting closer to my goal of owning a home and have a continued commitment of repaying my debt and making payments to creditors on time. I was able to accomplish a lot with working on repairing my credit based on my rights but we have more work to do. 

Success Story : XXXX XXXX XXXX XXXXXXXX ( deleted ), Department of EducationXXXX XXXX late payments removed ), XXXX  XXXX ( paid off/deleted ) Goals : I will continue to increase my credit score, make on time payments to creditors, repay my debt, and purchase a home. Please remove " 4 accounts '' due to inaccuracies and inconsistency in accounts reporting between XXXX, Transunion, XXXX.
Product: Credit card

I believe the accounts are invalid. AMERICAN EXPRESS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the accounts to be removed from my credit & their records. AMERICAN EXPRESS XXXX XXXX AMERICAN EXPRESS XXXX
Product: Credit reporting or other personal consumer reports

I kindly ask for the deletion of these erroneous accounts from my credit report, as I did not give authorization for them to be included. It is essential that you expeditiously eliminate this inaccurate information from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account under FCRA : Accounts Receivable account # XXXX Please delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a chase credit cared that went into chargeoff status but was paid in full. the acct went into first day of deliquency prior to XXXX  when it was paid off XXXXXXXX XXXX the acct is over XXXX XXXX XXXX since first day of being late but chase and the credit burue will not remove the acct from my credit report.