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

See attached DISPUTE LETTER and previously submitted ID theft Report serves as my formal complaint to this credit reporting agency, because you are reporting inaccurate credit account information within my credit report. I recently submitted a request for investigation of the below listed accounts, in which you have refused to investigate. I submitted more than enough information for you to conduct your investigation of the below listed accounts. However, your agency has refused to investigate these accounts thoroughly enough the last time that I submitted my disputes to you. New evidence is being provided to the credit reporting agencies, which was not available when these fraudulently opened accounts were originally submitted.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

We were approved for a mortgage forbearance plan for XXXX XXXX payments, due to Covid. We started making payments again on XX/XX/XXXX and have made every payment since. Starting in mid-XXXX we were in contact with Dovenmuehle regarding the re-payment plan, and we chose the option to add those 3 payments to the end of our loan. They said they would send us paperwork. We did not receive it so we called back in XXXX and they said they had no record of the above conversation, and again they said they would send the paperwork. This happened 2 more times - we never received the paperwork to add the payments to the end of our loan and they began putting negative marks on our credit. They then on XXXX suddenly sold our mortgage to another company without mention of any forbearance to them - XXXX XXXX was in the dark and they just thought we had not been making payments. What Dovenmuehle did was, they took the 3 payments for XXXX and applied them to XXXX so it just looked like we were constantly 3 months behind. The new mortgage company was finally able to resolve it by putting us on forbearance again for 1 day to push these payments to the end of the loan. Dovenmuehle needs to fix any and all negative marks against our credit. The attached letter from them dated XXXX, was not received by us until after they sold our mortgage in XXXX. This was illegal according to the CARES Act of 2020. This company needs to be fined and we need to be compensated for the financial stress their negative credit marks have put upon us.
Product: Mortgage

Around XX/XX/2023 I tried to get a pre approval from Fairway Mortgage Co. in XXXX, Ca. During the application process the loan Agent did a hard inquiry on my credit report instead of a soft pull. It was my understanding that they would do a soft pull first and a hard pull in escrow. After the loan agent miscalculated my approval and I was not able to purchase the home and had a bad feeling about using them. 
So I decided to go another route and when the soft pull was done I found that my score had dropped XXXX points and was going to be there for at least two years. This is my first time trying to purchase a home and felt taken for granted. I have been working hard to improve my credit and would like to purchase a home in the future with out this mark keeping me from doing so. Because of this inquiry I will not be able to purchase a home unless I use Fairway Mortgage Co. 
My financial plan is to rent one more year, get this mark removed and pay off some debit so I will be ready to purchase a home in the near future. Please fill free to call with any questions.
Product: Debt collection

XXXX falsely accused us of not returning our phones when we did. Now Afni is attempting to collect the debt. I have not received anything from Afni or know who Afni is. I've disputed this debt on my credit report however is remained without any documentation with XXXX, XXXX & XXXX.
Product: Credit card

I received a call from XXXX claiming they were from an attorney 's office and they were calling to collect a debt from a Victoria Secret account that was opened. I currently do not owe or own a Victoria Secret account, so clearly this was an attempt for scam and/or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with XXXX, transition, and XXXX with no change. I would appreciate if these late payments are deleted from my credit report.
Product: Credit reporting or other personal consumer reports

EQUIFAX : XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within 4 Days Dear EQUIFAX, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within XXXX business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ACCOUNT NUMBER ( XXXX ) XXXX & XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ACCOUNT NUMBER ( XXXX ) XXXX  XXXX/XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XX/XX/year> ) To comply with Section 605B, I have provided the following required documentation : Identity Theft Report : Filed with the Federal Trade Commission ( FTC ) .

Proof of Identity : Copy of my government-issued ID and Social Security card . 
Proof of Address : [ bank statement. ] I demand that these accounts be blocked and removed from my credit report within XXXX business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

SINCERELY XXXX XXXX
Product: Debt collection

On XX/XX/18, I contacted XXXX XXXX to settle my collections account for XXXX. I spoke with representative XXXX XXXX at XXXX. Mr. XXXX advised XXXX XXXX would accept my settlement offer of {$300.00} as payment in full and report my account as settled to the CRAs. I requested a letter confirming the details of the settlement prior to making payment. Mr. XXXX connected me with his supervisor XXXX XXXX who assured me that I would receive a receipt and letter of confirmation upon making the payment. I verified all of my personal information including mailing address and email address. The {$300.00} payment was debited from my checking account, but I did not receive a receipt, or a settlement letter on XX/XX/18. On XX/XX/2018, I spoke with a representative who advised me to allow 2-3 hours for the letter to be sent by email. The rep said he would email XXXX XXXX to follow-up. The requested documents were not received on XX/XX/18. On XX/XX/2018 at XXXX XXXX, I spoke with the supervisor XXXX XXXX who stated my collections account is showing a {$0.00} balance and stated the letters & receipt would be sent within 24 hours. Again, the letter was not received. On XX/XX/2018 at XXXX XXXX, I spoke with representative XXXX XXXX who requested my physical address and email address. Ms. XXXX claimed there was no contact information on file for me. Ms. XXXX said she was emailing her supervisor regarding my issue to ensure it was resolved. She also stated the letter would go out ASAP before the call disconnected. I immediately called XXXX XXXX back at XXXX XXXX and spoke with XXXX XXXX, the original representative who took my payment. Mr. XXXX confirmed that he remembered me, apologized and stated the account shows a {$0.00} balance. I requested the email be sent to my email address XXXX. Nothing was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address below is being reported on my credit report i have never lived at this address I XXXX XXXX XXXX XXXX, OH XXXX
Product: Student loan

I was in college XXXX. I was advised to consolidate my loans and they locked me into an 8.25 % interest rate. I struggled to pay my loans after college, I was advised to go into economic hardship forebearance for 3 years. I was also then advised to go into regular forebearance for 3 years. I was in forebearance for 6 years. NO ONE at Sallie Mae or then it became NAVIENT ever explained to me that the interest that accrued would be added to the PRINCIPAL of my loan and then I would get charged 8.25 % on that even higher amount. " CAPITALIZATION '' is what it was called and I never knew what this meant or the detrimental effects it would have on my loans. My loans started at XXXX and are now {$230000.00}. This is ridiculous. I will be paying these until I die. Sallie Mae and Navient had predatory practices to me with my XXXX loans that they locked me into 8.25 % forever. These loans were further complicated because I could not afford to pay them or keep up with my credit card debt after graduation. I was being sued by XXXX so I was forced to declare bankruptcy. I was told that my loans were not eligible for bankruptcy discharge. The judge ruled that I was not eligible for Chapter 7 to have my credit card debt wiped, but that I must declare chapter 13 and PAY all the XXXX in credit card debt I owed. The IRS put all of my student loans into forebearance again and forced me to pay off my credit cards over a 5 year time frame. 

The credit card companies were also predatory. XXXX especially. They came to my college campus in XXXX and teased us with free XXXX XXXX tshirts to get a credit card and then gave all of us HUGE spending limits. All my friends did the same thing I did. I had NO parental help in college, I was struggling to make it myself. My parents refused to support me financially. I had 2 jobs the entire time in college. 

So my student loans were in forebearance for several years. I was a victim of predatory practices by Sallie Mae/Navient as well as XXXX. The banks have ruined my life. They locked me into 8.25 %. 

I never understood that I have private loans -- and someone explained to me that I could switch them over to Federal loans and then I would be eligible for more benefits. I did this and sadly it STARTED OVER my payment clock. So ALL the payments I made do not go towards my XXXX 

Also, because I graduated earlier, I am NOT eligible for the newer XXXX plans. This is ridiculous. 

This system has failed me over and over again. The banks have ruined my life. The banks have had a XXXX XXXX XXXX XXXX for all these years. 

I request a review of these issues and some kind of hopeful relief.
Product: Mortgage

My complaint is GENERAL ... please do not involve my bank, but publish. 

I think it's time to make all mortgage companies SELF-INSURE their investments. Mortgagees S/N have to annually seek ( and hopefully get ) policies, and then prove coverage. It is aggravating and a real burden, personally and financially. Here in Florida, it now costs in excess of $ XXXX/year to insure a 1-bed condo for a {$60000.00} loan ; insurers are leaving the state, and policies issued have poor coverage for the cost. The amount of paperwork between bank/homeowner/agent, each year, is itself outrageous. 

It is time for national reform. If lenders want to eliminate virtually all risk, make THEM pay!
Product: Student loan

Navient on two separate occasions has capitalized my interest unnecessarily, by randomly redisclosing my loan terms, which causes the interest to capitalize. They are now charging interest on a higher balance, which is increasing the amount that I am paying back. No one at Navient is able to assist me when I called about the second instance which occurred in XX/XX/2016. The amount of interest was almost {$1500.00}. They redisclosed my loans by reducing the term by 1 month, which makes no senseThey have also refused to lower my variable interest rate which now stands at 11 % and wont put me back on the interest rate reduction plan that I was on last year. This is causing me to have trouble making my payments
Product: Credit reporting or other personal consumer reports

I am reaching out concerning the unusual results of a recent credit inquiry through Equifax. When applying for a credit card on Tuesday XX/XX/year> at XXXX XXXX XXXX XXXX, I received the information that my account with Equifax had no credit history at all. And that in fact I received a question mark instead of a score. This is very strange because I have been building credit history for nearly 20 years now. I have five federal XXXX loans as well as two credit cards and an auto loan ( Details are included in an attached document ). I have never had a late payment. None of these things appeared on my profile with Equifax. They didn't even have any of my previous residences. My profile with Equifax is essentially my name and social security number, and just about nothing else. The following day I had two calls with customer service agents that proved completely useless. I was advised that I may not have enough credit history for a score. This isn't true, as evidenced by my score in the XXXX 's with the other two credit reporting agencies I feel like my life is being held hostage by Equifax, my wife and I are preparing to apply for a mortgage, we were denied a joint credit card and I fear that this may be a hindrance to future employment. I don't believe that Equifax is taking my complaint seriously. My Equifax complaint number is XXXX
Product: Debt collection

XXXX i signed up with XXXX alarm XXXX company indoor camera XXXX outdoor camera system unfortunately someone broke into my home shortly after I purchased alarm system from XXXX, was able to see XXXX inside my home with indoor cameras provided by XXXX. My cell phone allowed me to see XXXX  inside my home I watched the XXXX  deactivate the alarm on the keypad. XXXX called XXXX employe at XXXX gave the XXXX the code to deactivate alarm, yes XXXX verified that my alarm code was given to the XXXX, however my second complaint with XXXX was alarm tech didnt install properly I was able to view and monitor my property on my cell phone unfortunately I was unable to record anything I viewed on my property XXXX agreed to terminate my contract with XXXX with XXXX balance Several months later complete credit Collections company is trying to collect a debt of {$1400.00} for XXXX again due to faulty alarm system installation and employee error giving burglar my alarm system code plus property damage items stolen by XXXX  ect XXXX terminated Contract with a XXXX balance. Defenders are threatening to report this violation of a debt I dont own to XXXX XXXX I spoke with the manager of complete credit she asked me to get a receipt from XXXX showing I dont own XXXX anything for the contract opened XX/XX/XXXX complete credit would drop the claim against me and remove claim on my credit report unfortunately I spoke with a gentleman at complete credit on XX/XX/XXXX Regarding my claim and Proof of receipt requested By manger at complete credit, this gentleman Was very rude and short coming this gentleman accused me of having several accounts with XXXX this gentleman accused me of having a fake receipt from XXXX ect I asked this gentleman to call XXXX and verify the receipt for himself with the account number on the receipt, showing that the receipt isnt fake unfortunately the gentleman became very upset and more rude and hung up the phone
Product: Credit reporting or other personal consumer reports

TransUnion is reporting discrepancies with XXXX accounts, differing from information found on other credit bureaus. Having identified inconsistencies, it appears that TransUnion 's reporting may violate the Fair Credit Reporting Act ( FCRA ), specifically contravening FCRA XXXX XXXX ( a ) ( XXXX ) ( A ). I have submitted proof of these discrepancies and request prompt correction in compliance with the mentioned code.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I initiated a wire transfer from coinbase in the amount of {$520.00}. Reference # I received XXXX. I 've already sent numerous emails to coinbase and just no reply at all I consider this stealing especially when I paid a {$25.00} fee to receive it the next business day.It 's been over a week now and still no sign of my XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivable management systems a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to XXXX and XXXX : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by receivable management systems. I am an XXXX XXXX service member and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to XXXX and XXXX multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a concerning issue I have been facing with XXXXXXXX XXXX XXXX credit reporting practices. I believe they have inaccurately reported my payment history, resulting in significant damage to my credit profile. 

Over the past few months, XXXXXXXX XXXX has been reporting my payments as late or not received, even though I have consistently made on-time payments. This erroneous reporting has led them to indicate non-payment for periods of 30 to 60 days, which is not reflective of my actual payment behavior. 

Due to XXXXXXXX XXXX XXXX incorrect reporting, my credit score has suffered immensely. As a direct consequence of their actions, another credit card servicer has significantly reduced my credit limit. This negative information has caused my credit score to drop by a staggering XXXX points, severely impacting my financial opportunities and peace of mind. 

I have taken the initiative to review my credit report from all major credit bureaus and have identified these inaccuracies specifically attributed to XXXXXXXX XXXX. I have evidence of my consistent, timely payments, including bank statements and payment receipts, which I am willing to provide as proof of my responsible credit behavior. 

I have attempted to contact XXXX XXXX on multiple occasions to rectify this situation, but regrettably, their responses have been unhelpful, leaving me frustrated and concerned about the potential long-term consequences of these inaccuracies. 

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can assist me in addressing this matter promptly and effectively. I kindly request your intervention to investigate the inaccuracies reported by XXXX XXXX and ensure they comply with the Fair Credit Reporting Act ( FCRA ) and all other relevant consumer protection laws. 

XXXX is flagrantly disregarding fair practices.
Product: Checking or savings account

My account was close in 2021 due to fraud. And I was unaware of the fraud and tried to fix the issue but navy federal told me it was too late.
Product: Student loan

I was on an Income Driven Repayment plan for my student loans so I owed {$0.00} on my student loans. Apparently they sent out mail to an address that was incorrect about the billing. Therefore, I did not get it. I got a call the other day from a loan servicing and talked to them and they transferred me to someone else and had all of my loan information wrong. I looked at my credit today for the first time in a while expecting it to go up because I had been paying my stuff. It went down 142 Points. I called today and they set me up with a new account to where I can get renewed on another repayment plan. I asked them if they would remove the report from my credit where they said I had been late on all my student loans for the couple of months. They told me to reach out to someone else and dispute the credit report on them since I didn't know I was late at the time. I need this taken off of my account, because my credit was in the low 600s and now its around XXXX because of this mistake.