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

I ordered a copy credit report with XXXX XX/XX/2022 and after receiving a copy of my report, I called your department because I saw some UNVERIFIABLE account on my personal profile ; I noticed that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time on my personal profile on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off from my personal profile. A copy of my Utility Bill, drivers license, and Income Tax Return are all included in this written request. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX Account XXXX I believe it was
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed now with the bureau 3 different times and with no response from them any time. This is also the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion. The dispute number was XXXX, which in response to that, TransUnion stated they would begin the investigation and forward me the results ; that was on XX/XX/2020 that they responded and I have yet to receive anything from them! While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

I sent the letter on XX/XX/2023, letter the reason why I sent this letter Experian said everything was complete and accurate on my credit report. Here is my certified tracking # ( XXXX XXXX XXXX XXXX XXXX XXXX ). The reason why I sent this letter is because Experian said everything was correct and accurate. I would like a description of the results of how they verified everything. Cause when I looked at my credit report, they did not update anything according to the Fair Credit Reporting Act which is 15 USC 1681i ( 5 ) so I would like to know what they did to investigate everything. I would like a description of this according to 15 USC 1681i ( 7 ) and they were supposed to respond to me within 15 days according to the law. And I haven't received anything, and it's been over 20 days. This is very frustrating, disappointing, and stressful!
Product: Debt collection

Someone took out a loan in my name without my authorization and now I have a collection on my report regarding it from a collection company. They refuse to listen to me when I tell them it is the result of Identity theft and not mine.
Product: Student loan

As of XX/XX/XXXX, according to Mohela 's tracker, I had XXXX payments to go in order for XXXX loans to be forgiven. Also, according to their tracker, I had XXXX payments to go on the remaining XXXX remaining loans. This was based upon my last XXXX form submitted in XX/XX/XXXX. Please see screen shot attached. 

After submitting my new XXXX in XX/XX/XXXX, instead of having the XXXX loans forgiven and the remaining XXXX loans reduced to XXXX payments, Mohela 's tracker, now claims that I have XXXX more payments to go on the XXXX loans and I still have XXXX payments for the remaining XXXX loans. Please see the document they sent me on XX/XX/XXXX. 

This company is attempting to add on payments and is trying to cheat those who qualify for loan forgiveness, and I want them held responsible.
Product: Credit reporting or other personal consumer reports

I am reaching out urgently to highlight a critical issue involving incorrect personal information being reported on my credit report. This situation has caused me considerable distress and raised significant concerns.
Product: Student loan

Good Afternoon, My Name is XXXX XXXX and Im writing in regards to my outstanding student loan. 
My first complaint relates to the COVID payment Deferment. I have had a loan from XXXX and have defaulted in the past. However I have maintained consistent payments over the past 9 years. My question is when this COVID law took place in XXXX of XXXX ( allowing loan holders to defer payment/ interest halt XXXX per the article from consumer reports-why was my tax refund taken in XXXX of XXXX? Every year For over 6 years the XXXX XXXX New Jersey Higher Education, take my entire income tax refund 100 % of it. My taxes were filed in XXXX and this law was in effect. If the government is deferring payments and or interest wouldnt you think this applies to taking tax refunds? Please advise. 

My second complaint is in regards to my loan in general. I have had a long history with XXXX XXXX and their deceptive policies. I was charged a enormous amount of interest on my loan for many years ... .and I have participated in a lawsuit- which never happened. I have reached out to numerous lawyers/ and student loan consultants but no one will touch my case. 
Im informed over and over again that because my loans are with the government, I really have no rights. If you can direct me to someone that can hear my case that would be great! 

I would like to hear your feedback. 
I can be reached by email or phone : XXXX Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Mercedes Benz {$36000.00} this is not correct information reporting to the credit bureau. unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that informatiob
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX {$15000.00} The above account is not mines. I have asked the credit bureau to remove this account over 5 times. I have no knowledge of this account. FRCA states everything reporting should be 100 % accurate and true. Please remove this account from my report. THIS IS NOT MINES
Product: Mortgage

My lender is Select Portfolio Servicing. And, not by choice! My loan was sold to them by XXXX XXXX XXXX a year and half ago. Its been XXXX ever since! 
I had XXXX messages from my Relationship Manager so I called back SPS. While I am waiting for a human being to pick up, the recording is giving me the latest update on the status of my account. It starts off with " your forbearance payment of $ XXXX was received on XXXX XXXX, 2015. Your next forbearance payment of $ XXXX is due on XXXX XXXX, 2015 ''. 
I was shocked and horrified! I am NOT in default on my loan payments and yet, according to this account update from SPS, I am! When I do get XXXX ( relationship manager team ) on the line, I ask her about this. Mind you, this conversation is being recorded. I say, good! We will need the proof! XXXX starts off by telling me that I am confused! She says I am paid up ahead and that my next payment is not till XXXX 2015 ; further that since I paid extra, the XXXX amount is that much less. 
So, I ask her what happened to my XXXX payment that I made -- -on time, mind you. I get silence! Then XXXX insists that I am paid up ahead and that my payment was applied to XXXX 2015. Again, I question this statement and action on the part of SPS because I paid for XXXX 2015, on time. Finally, XXXX says that my XXXX payment triggered the Trial Loan Modification that I was approved for. 
Yet again, I am shocked and not a little terrified! Because, from what XXXX of SPS is telling me is that SPS took my XX/XX/XXXX-on-time payment, applied it to XXXX thereby forcing me to be in default!!!!!! Further XXXX is telling me that the Trial Loan Mod that should not have been triggered except by MY payment of their required amount by XXXX XXXX, 2015 was triggered by my XXXX payment! Even though the correspondence from SPS clearly indicates that the trial loan mod would only be triggered by my payment of $ XXXX by XXXX XXXX, 2015! 
So, I want CFPB 's help with this problem with SPS. SPS is operating outside the law and has committed FRAUD. What they did by forcing me to be in default when I am not is ILLEGAL!!!!! 
I would appreciate guidance as to what my options are in this case where my lender is corrupt and committing illegal acts as well as fraud with the mortgage loans that they service. 
Thank you in advance for your help!
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate and outdated information on my credit report, which is negatively affecting my credit score. Several accounts are listed as delinquent, charged-off, or in collections, even though they have been settled or are not reported correctly. Specifically : XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : This account is incorrectly marked as charged-off, but it was settled for less than the full balance. The settlement details have not been updated. 

XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : Similarly, this account is listed as charged-off despite being settled for less than the full balance. This status should be updated to reflect the settlement. 

JPMCB Card Services : This account was marked as a collection/charge-off, but it was settled for less than the full balance, and this has not been reflected on the credit report. 

XXXX XXXX Account : The credit utilization is reported as 103 %, which is inaccurate and greatly affects my credit score. The balance should be updated to reflect accurate information. 

Additionally, there are five collection accounts reported, all of which were settled or paid, yet these accounts remain in collections on my credit report. I believe this information is outdated and incorrect. 

I request that these accounts be properly updated to reflect their correct status, including settlements and paid balances. The continued reporting of these incorrect items is damaging to my credit profile and does not reflect the true status of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$240.00}.
Product: Money transfer, virtual currency, or money service

Dear, I have Paypal account and amount of money on Paypal balance from selling product. I did withdraw funds XXXXUSD from my Paypal balance and sent that money to my XXXX bank account on 1XX/XX/2019 but it's not successful. I lose XXXX of withdrawing fund and XXXX of reversing money from my bank account.Paypal tell me to fix my information on paypal website. I already do that. I did withdraw funds XXXXusd again on XX/XX/2019 and lose XXXX again. But until now I still don't see my money appear on my XXXX bank account or reverse on my paypal balance. I contacted Paypal so many time but they don't answer me. I doubt that they are appropriating funds. Please help me. Thank you very much.
Product: Credit reporting or other personal consumer reports

I received my credit report and found out that someone opened a credit account number XXXX with XXXX Bank online using my name, date of birth and social security number. 
I didn't open this account and don't have anything to do with it. I called XXXX Bank and filed a complain on XX/XX/2024 at XXXX pm. They closed the account but it has a balance of {$4200.00} This damaged my XXXX XXXX a lot and I also filed a complain with the XXXX credit companies. 
I received the result from Transunion as follows : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. '' I placed a freeze initiated a fraud on my account. I also filed a police report with XXXX Police Department and filled a claim on XXXX
Product: Credit card

On XXXX XXXX XXXX, I purchased a bunch of chocolate bars while on vacation in XXXX. They were gifts for people back home in the US. My daughter opened hers and saw that the chocolate was rotten. XXXX and discolored. And it tasted disgusting. I went online with the Barclay 's AAdvantage Mastercard to open a dispute. The online system kicked me out when I answered " no '' to " have you tried to return the item. '' Obviously I couldn't fly back to XXXX. I tried to contact the place in XXXX where I bought them ( XXXXXXXX XXXX XXXX ) but they don't monitor their XXXX  page and I'm guessing it would cost me a lot to call them. 

I then called the CC/Barclay 's to open the dispute since the online system didn't work. I was told I had to send in written documentation, which I did on or around XX/XX/2023. I sent the receipt and a pic of the nasty chocolate. Weeks went by with no information, so I called again. 

I was told they would not refund my money because I bought the stuff in person and apparently, it was my job to inspect it????? When I told them that it's ridiculous to think that I need to open every food item I will ever buy to make sure it's not rancid is beyond ridiculous. I made numerous calls to agents and supervisors and at one point they canceled my card and hung up on me. 

So if they canceled the card due to the {$55.00} issue, that tells me that it was a bad transaction and that my money should be refunded. They were beyond rude. I even wrote to them online ( XXXX ) to be told they can't really do anything. They offer a lame apology. So now I'm out {$55.00} and my CC has been closed. I don't ever plan to use the card again so I don't wish for it to be reopened.
Product: Mortgage

I have made three monthly payments online. 
XXXX. XX/XX/XXXX amount XXXX XXXX. XX/XX/XXXX amount {$1900.00} XXXX. XX/XX/XXXX amount {$1900.00} The lender has " Returned Payment Reversal '' on the payments on XX/XX/XXXX and XX/XX/XXXX. The lender has failed to state a reason for the " Returned Payment Reversal '' The funds in my account exceed {$10000.00}, so the reason for " Returned Payment Reversal '' is unknown. 

On XX/XX/XXXX I suspected a problem with this lender and have attempted to contact by phone and was placed on a two-hour hold. And then the customer service department disconnected the call. 

ServiceMac reports " Returned Payment Reversal '', I pay these statements electronically. No funds have been returned to any accounts. Next, ServiceMac is adding a late check fee of {$150.00} and another fee of {$59.00}. ( FYI - I do not pay this account by check ). ServiceMac has failed to complete or explain any reason for my timely payments. 

My credit score is outstanding and I have never missed a payment on any of my accounts. I am very concerned about the business practices of ServiceMac , LLC. 

Can your organization help me resolve this issue with ServiceMac , LLC?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Bridgecrest XXXX loan reported a repossession on my credit report will out my cassette nor did they write me unletter to inform me that they will put that on my credit report I asked them to remove it and they refused to They received the vehicle back as well and the insurance paid for the damages to the vehicle because it was in a hit-and-run
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024, I filed lawsuit against my former Landlord, XXXX XXXX, to recover my security deposit. The Court reviewed evidence, took testimony, and entered FINAL JUDGMENT against my former Landlord, and in my favor, affirming that I owe the former Landlord nothing, but that, XXXX is in fact a debtor to me. 

This collection item is therefore inaccurately placed on my credit reports, and should be immediately deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that the account belonging to XXXX XXXX XXXX was properly investigated and all information is accurate however this can not be true since there are more than 70 violations combined for the XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to 15 USC 1681, all information furnished by the bureaus must be 100 percent accurate. For these accounts, it is reported that they have been charged off according to XXXX however, XXXX reports that they have been charged off and that there is a balance due thus making the accounts past due as of XX/XX/XXXX. This makes no sense and the reported information is not matching up. This mismatch of information is noticeable for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for all six accounts. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were in good standing however XXXX reports 30 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 30 days delinquent however XXXX reports 60 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 60 days delinquent however XXXX reports 90 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 90 days delinquent however XXXX reports charged off. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were in good standing however XXXX reports unknown status. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were unknown status however XXXX reports that they were current on payments. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were unknown status however XXXX reports that the accounts were current on payments. The combined 77 violations notated in these six accounts are grounds for removal as they are violating XXXX XXXX XXXX ' rights.
Product: Mortgage

I have a XXXX mortgage serviced by Wells Fargo. Im a first time home owner of 4 years so I was confused with the servicer part at first. I was impacted by the XXXX pandemic, so being a single parent, the forbearance sounded like the way to go, however it was not. By the third month I received a letter letting me know that my home could go into foreclosure but they were letting me stay on a forbearance. Two months later I received a letter letting me know I had 3 choices to avoid foreclosure, vacate my premises, a short sale or agree to turning my mortgage into a 40 year mortgage and theyd put the forbearance sim on the end. I faxed Wells Fargo letting them know that I was not interested in a 40 year term for 5-6 months of a forbearance when Im down to 26 years left on my mortgage. Furthermore, physically speaking with them I let them know that Id be willing to pay a weekly sum to get caught up. They refused, switched me to different extensions and said theyd get back to me. They tried to tell me I broke an agreement, the 40 year term after 3 payments on time. I told them I never agreed to that and now theyre sending me letters about to foreclose. I have medical XXXX, yes we finally are working as normal but I dont get paid when my company works out of state because I cant go. Im having a hard time getting vaccinated. This is too stressful.
Product: Debt collection

OnXX/XX/XXXX, I noticed a collection for XXXX  for an old XXXX account.  I immediately contacted XXXX and was told the account was with a collections agency called GC Services. I contacted GC Services and paid the full amount  of $XXXX which is what GC Services stated I owed. After the payment I was advised that the account was paid in full and that I would receive a paid in full letter.On XX/XX/XXXX, I received a letter from XXXX  datedXX/XX/XXXX  stating I owed more money. Another $XXXX. I contacted XXXX  and advised that the I paid GC Services in full. They claim GC Services did not have the authority to negotiate the payment and therefore I owe them money. XXXX  said I had to call GC SERVICES. So, I called GC Services and again they told me I am paid in full. XXXX is trying to extort money from me that I do not owe. They over billed me for two years and committed fraud by linking another account to the same phone number on my account. XX/XX/XXXX. Refused to end a lease because another phone was attached to a line on my account. I was unable to drop the line and was billed for a phone I never had.XX/XX/XXXXPartial credit given advised the other credit in XX/XX/XXXX. I disputed amount owed due to double billing. XX/XX/XXXX XXXX advised a credit of $XXXX  for overbilling to post onXX/XX/XXXX. Credit was never issued. XXXX  denied making the statement even though the call was recorded. XX/XX/XXXX, Requested to cancel services. XXXX  refused to cancel services and attempted to intimidate me into keeping their service. I had to contact my new carrier and port my numbers. XXXX still charged me after I no longer had their service saying incoming text messages counted although there where no out going calls made from two of the 3 lines and I requested to cancel services weeks prior to porting my lines over to XXXX. XX/XX/XXXX9, sent three phones back. Two were in excellent condition. Never received credit for returning phones (collection account).Sent ipad back. Purchased in XX/XX/XXXX. First XXXX agreed to take it back buyers remorse, then XXXX  said it never said made that statement. XXXX should be fined for deceptive practices, fraud, and theft.