23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In reference to an account of XXXX XXXX XXXX XXXX  - I sent a letter letting Transunion know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXXXXXX XXXX I sent a letter to Transunion letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the account.
Product: Vehicle loan or lease

Capital One has an inquiry thats been on there for a year for an auto loan inquiry that is identity theft. I did not approve that. Along with 3 credit card inquiries that I also did not approve From XXXX XXXX bank, XXXX  XXXX XXXX, and Capital One as well.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I had a credit account with XXXX. I live in the XXXX, TX area and was flooded out by Hurricane XXXX in XX/XX/XXXX. I lost everything. I received an email from XXXX saying they are here to help. So, I called them and explained the situation and that I would not be able to make a payment for a while. They said that was fine. I specifically asked them if there would be any late fees or would I be reported to the credit bureaus as late. They said no. I check my credit report and they are reporting me as two months late. I do n't wish to do business with a company like this so I closed my account and will pay the balance, but I want the late report taken off my credit report. I have paid my bill on time ever since I opened this account.
Product: Mortgage

My husband and were in the middle of a short sale when we received notice that our home was in auction, soon after we received another letter stating that we had to move out due to out home being sold. 
Horribly upset since the bank would not except ANY offers we had and a short sale VS forclosure is a little better but WHAT DO YA DO! 
No choice we moved. 
A while Later went to get a car only to find out that the forclosure is still showing open? 
= higher intrest. 
I have spoke to United security Financial several times who referred me XXXX, LLOOONNGGG story short ending up full circle every time! Right back to United Security, EVERY TIME! 
both my husband an I on different occasions have stopped by their rediclouse, god like, draped in gold, silver, crystals and $ $ $ facility, they said they would get it taken care of ... 
long while later went in to get another loan only to find out it is STILL showing open. 
Received that loan too but yet again keep getting a higher intrest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these 3 companies XXXX, XXXX, experian are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX US DEPT OF ED/ XXXX -acct # XXXX XXXX XXXX XXXX- acct # XXXX, XXXX XXXX  XXXX - acct # XXXX , XXXX XXXX- acct # XXXX XXXX XXXX - acct # XXXX
Product: Credit card

On or about XX/XX/year> XXXX XXXX received a cease and desist letter regarding an alleged debt by consumer after refusing to apply payment or send back an endorsed security. SInce cease and desist letter XXXX XXXX has sent over XXXX emails trying to collect this debt. As a federally protected consumer according to 15 U.S.Code $ 1692c i seek resolution. XXXX XXXX is using trust property without consent.
Product: Checking or savings account

On XX/XX/XXXX the Internal Revenue Service deposited my XXXX tax refund of {$1400.00} into a Chase Bank account with XXXX  digits ending in XXXX. This account does not belong to me and I did not provide the account number to XXXX for a direct deposit. XXXX does not admit responsibility for the error and insists ( after almost 8 hours and 6 different phone calls ) that Chase should not have accepted the deposit as my name does not belong to that account number. Chase will not confirm or deny that the number is a Chase account ( it is ) and they insist I have to deal with XXXX. 
Around the same XXXX date California Franchise Tax Board deposited my XXXX refund of {$510.00} into the same account. Of course I get the same responses from both parties. 
I did not provide any entity with the Chase account deposit instructions. I've asked XXXX to provide evidence of my instructions and they directed me to a XXXX XXXX XXXX XXXX XXXX customer service number. Again, no accountability and no help. 
The IRS and CA FTB have initiated refund searches and have confirmed the monies were deposited into this Chase account. IRS and CA FTB have stated they can not force Chase to send the money back to them so they can mail my refunds to me. Please help me. 
Thanks
Product: Payday loan, title loan, or personal loan

I called and spoke with an agent to revoke my ACH authorization and turn off the auto payment function of my account. I had submitted a power of attorney to Avant indicating that I would now be making payments through a debt management program supervised by XXXX XXXX XXXX XXXX ( XXXX ) This was on or around XX/XX/XXXX. On XX/XX/XXXX, Avant pulled XXXX dollars out of my bank account in the form of an electronic draft, despite the fact that I had specifically revoked all authorizations. They knew that would receive payment through the DMP, but they went ahead and double charged me!!! I called to get the payment reversed but the next agent said thet the previous agent should have transferred me to a different department to get the ACH revoked so despite the error on their part they refused to refund the XXXX and said I could file a complaint with my bank. <P/>Then, on XX/XX/XXXX, the payment through my Debt management plan was made and posted to my account, thus proving that they had accepted and agreed to the DMP and yet still chose to sneak in another charge that was clearly unauthorized. <P/>Avant 's actions have lead to my bank account suffering a XXXX overdraft fee and a XXXX extended over draft fee. My bank, XXXX, closed my fraud claim and said that since I had a previous relationship with Avant that the action of removing the XXXX, while acknowledged as unauthorized, was not the banks problem and that I would have to either take it to court or convince Avant to give me a refund. <P/>In essence, Avant took XXXX out of my bank account without my permission, despite having agreed to a Debt Managment Plan with XXXX and accepting payment through the third party. This caused me to suffer XXXX dollars in over draft fees from XXXX. And XXXX refused to deal with the matter. My account still has a negative balance because of this.
Product: Mortgage

I am filing this complaint about PHH Mortgage ( Phone : XXXX, XXXX ) for holding escrow fund at their end and not paying for property taxes and keeps letting it delinquent after the due date ( XX/XX/XXXX ) for XXXX property taxes. After communicating with the company for several times over past several weeks, still no payment on taxes was made yet.
Product: Debt collection

On XX/XX/21 I received a phone call from a person unknown to me - I would not verify my address so they would not continue - after the call I did a quick internet search to find out who they were - it was Audit Systems Inc - so I called back to find out what this was about - verified and they told me I owed {$50.00} for a XXXX XXXX I said I paid it, they said I needed to send them proof or pay right now. I said no - I dispute the debt and they needed to provide the evidence as per the FDCPA, they said no I said you clearly don't know the law and they got louder said some numbers and hung up. I called back verified and told them to Cease all communications both verbal and written. 

At this point they are refusing to provide the validity of the debt.
Product: Credit reporting or other personal consumer reports

Regarding XXXX by XXXX ( Credit collection services ) is showing an inaccurate rating on my credit report. I noticed that the account is recorded open XXXX last date of activity marked as XXXX. This is incorrect and i asking it to be removed off my credit report. The last verified date reported was XXXX
Product: Debt collection

In the month of XXXX i saw on my credit report a debt collection account that doe n't belongs to me for the amount of {$1700.00} for a Phone Bill from XXXX. I went to the XXXX XXXX Police Station located in XXXX XXXX and file a police report to start an investigation. The Agent XXXX filled the police report with her ID badge number # XXXX and the police report # is XXXX. I will like to this account be removed from my credit report. The collection Agency is still charging me for the amount of {$1700.00} for an account that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Product: Student loan

I applied for the new SAVE repayment plan which required I also apply for a loan consolidation - I completed the 2-part application on studentaid.gov on XX/XX/23, choosing Nelnet as my servicer. Two weeks ago, I received an email from Nelnet that my consolidation loan had been originated, so I logged in and saw that I had been placed in a more expensive Standard Repayment plan, where my monthly amount due is double the amount I was expecting ( based on the official payment calculator provided on studentaid.gov ). I have tried calling Nelnet 5 times over the last two weeks and have spent over 6 hours on hold, without ever speaking with a representative. Once, the call dropped after 1 hour and 50 minutes on hold, and their website went down as well. I have also emailed my concerns about my repayment issues to Nelnet but have not yet received a response beyond the generic " we received your message '' email. With payments due so soon, I am extremely anxious and concerned about the mismanagement of customer service and repayment issues, and the lack of clear and accessible information.
Product: Mortgage

As shown by previous filed complaints with consumer finance my mortgage has been in default for over 10 years. The investor has changed servicing companies numerous times in that period. 
The current servicer has never provided a certified copy of the note or the deed of trust. The state mediator disallowed the previous servicing company to foreclose on the home for this reason. The investor then hired Bayview Loan servicing and they have scheduled a foreclosure despite the previously mentioned facts. 
They have not followed procedure. They have refused to speak with me or designate a representative. The phone number provided goes straight to a system that is programmed to hang up with it learns my account number. 
It is my understanding that in my state the servicer is prohibited from foreclosing and or collections if the defaulted loan is over 10 years which it is.
Product: Mortgage

I received a call from Freedom Mortgage in early XXXX that my mortgage was 30 days late. I instantly paid it. I told them I was affected directly by Covid 19 and was self quarantining and stuck in Massachusetts during that time and had thought I set up automatic payments back in XXXX. They were very unprofessional and the guy I spoke to XXXX was working from home and spoke to his wife the entire time. He assured someone higher up would call me back about deleting the 30 day late payment due to the pandemic and the fact I never missed a payment before and was frantic that month due to my sister having covid 19 and me being a single mom of XXXX kids and being stuck in another state that had a shelter in place. I have proof of being in the other state by plane and couldnt return home. I emailed the CEO and he forwarded my request to a vice president and she said she can't do anything to help me. I find this company is very unreasonable and now I can not buy the 2nd home I was trying to purchase. 

If I had received a call before the 30 days which I have proof of the voicemails from the entire month I would never be in this situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XX/XX/scrub>, 2024, I mailed a dispute letter to Equifax via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Equifax in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Equifax. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Equifax, along with proof of delivery, to support my claim. I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX  XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 59 days late.
Product: Debt collection

I am writing to file a formal complaint regarding an invalid medical debt that has been reported on my credit report. Despite my efforts to resolve this issue with the debt collector, I have not received adequate verification of the debt, and I believe it is not mine. Below are the details of my complaint : Name : Lockhart Morris and Montgomery Address : N/A Phone Number : N/a Debt Details : Medical Debt Amount : {$930.00} Date of Alleged Debt : XX/XX/XXXX Account Number : N/A Description of the Issue : On XX/XX/XXXX, I received a notification from Lockhart that a medical debt had been added to my credit report. However, I have no knowledge of this debt and have not received any services from the medical provider in question. 

I contacted the debt collector on XX/XX/XXXX to dispute the debt and requested verification of the debt and proof of my identity in relation to it. To date, I have not received any satisfactory evidence that this debt belongs to me. 

As per 15 U.S. Code 1681i, I am entitled to a thorough investigation and verification of the disputed information. The lack of proper evidence provided by the debt collector leads me to believe that this debt is not mine/ fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2022 I sent a letter to a equifax a verification of debt letter stating that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required to verify any and all accounts with the original signed contract for any account they report on a credit report. On XX/XX/XXXX they sent me a letter saying the debt was verified and reported correctly but they never sent proof of any verifiable documentation which is a violation of federal law and under the FCRA any unverifiable accounts must be deleted. On XX/XX/2022 I sent another letter stating that is was my second written request demanding the accounts be verified or removed because they are not providing any original documentation according to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). According to Section 611 ( 5 ) ( A ) they are required to promptly delete any unverifiable accounts, and They sent me a letter on XX/XX/XXXX, of 2022 with the same letter stating that the item was verified but still didn't have any original documentation from the debt collector stating I owe them. I contacted the debt collector directly and they sent me a letter with no consumer contract with my signature on it. I called equifax today spoke with a supervisor named XXXX and ID number XXXX and I sent out a third letter asking how the letter was verified and I waited for 1 hour and 30 mins on the phone for them to say they would relaunch an investigation because the account states it is verified in their system. I warned them I would file a complaint with the CFPB and I will be pursing litigation to enforce my consumer rights
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXXXXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter, faxed a letter and made a phone call to Experian concerning incorrect information on my credit report. I explained to them certain hard inquiries on my Credit report are not mine and Requested them to be deleted because it is making it very difficult for me to acquire credit. Experian refused to do so with no proof. The hard inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyre stating they have written more off on the account than whats actually settled Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2600.00} Highest balance {$1700.00} Terms NA On record until XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple late payment remarks on this XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated
Product: Student loan

I have many loans from my time at XXXX XXXX XXXX. I was enrolled for four years ending in 2004. Navient called and recommended I use a graduated repayment, so I switched to that. I have only worked in XXXX XXXX  or XXXX since graduating. Had I known I could've had my loans forgiven by using income-driven repayment, I would've stayed on that and my loans would be forgiven by now. Instead I'm starting over at the beginning. My loans have the same balance as they did fifteen years ago because of all the interest. If I stay in XXXX XXXX I'll be eligible for forgiveness when I'm XXXX, otherwise at 20 years I'll be XXXX.