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

Today I got a credit alert from Equifax and there was an alert that decreased my credit score. The alert was on an inquiry from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XX/XX/XXXX. I called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe Equifax and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX 's account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.
Product: Student loan

Nelnet has failed to process a payment I made in XX/XX/year> of {$50.00}, my automatic payment of {$120.00} ( ish ) on XX/XX/XXXX all while collecting interest. Payments go into limbo and there are return payment notifications. I can not give them another bank account because that is my ONLY bank account. The information is CORRECT.
Product: Mortgage

XXXX XXXX ( XXXX ) was our original mortgage lender. We went on forbearance last year while I was on maternity leave. After the forbearance, the plan was to put the payments on the back end of the loan. They sent a letter in the mail to confirm but I was in the XXXX at XXXX time with my XXXX and missed the notice. When I called XXXX in the beginning of XXXX to remedy the situation they said that the offer had expired but they could provide me with a new loan modification. I verbally accepted the terms over the phone because they informed me that my mortgage was being sold to Selene Finance as of XX/XX/XXXX but assured me that our loan modification would carry over. I followed up several times with XXXX, who kept assuring me it was in the system. Once Selene took over, I began calling them and after several calls I got the same answer that there were no notes of a loan modification in the system and that we were delinquent. When I followed up with XXXX I got another representative who said " We do not service your loan. Nobody here can help you. '' and when I asked for somebody in a higher position he told me there wasn't any and he hung up on me. In the following weeks Selene has said they see it in the system that I am in review but the review dates keep getting pushed back. We are set to foreclose on XX/XX/2024 which means even if I fill out Selene 's assistant form today, it will not be approved in time. And XXXX is still " looking into '' the loan modification situation.
Product: Credit reporting or other personal consumer reports

I am extremely disappointed and frustrated to find that my report contains multiple errors that are significantly lowering my scores. These inaccuracies have made it difficult for me to move forward, creating financial obstacles that should not exist. It is unfair that I am being held back due to misinformation that I had no part in.
Product: Debt collection

switched from XXXX to XXXX over one year ago, suddenly without legal notice recieved a collection hit on my credit reports from all XXXX major bureaus. When I attempted to find out why, I was given a false answer that i did n't turn in equiptment. I told them that I had the reciept for this and it was working just fine, the service rep for XXXX oh yes, I was correct and that they could n't find out what the money they wanted was from and they would have this removed from my credit reports at once. after 4or5 months it is back in collections with no further explanation. I have called XXXX after 3 months to make sure all bills were paid and they were completely satisfied at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX  are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. XXXX XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX BANK XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX XXXX XXXX XXXX remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Delete this accoun there is some inaccurate information reporting. 
XXXX BANK XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Delete this account. 
there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 
there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I want these hard inquires removed because these companies were not authorized to run these on my credit
Product: Debt collection

Didn't understand answer they gave me on first complaint number XXXX which was closed. Saying couldn't comment because it was in litigation. 
I forget to mention on the summons there was not an account number. 
I was told they had to give an account number. Do I have any legal rights since there Was no account number the summons?
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. 

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

I discovered I had been a victim of identity fraud. Someone used my personal information and opened several fraudulent accounts. It appears they also fraudulently attempted to file a bankruptcy petition to cover up the identity fraud. I contacted Trans Union about the incorrect information showing only on my Trans Union credit report which showed I had filed a bankruptcy in 2018. I asked Trans Union to provide me with the company that provided them with the incorrect bankruptcy information. Trans Union refused to provide the information. The incorrect bankruptcy information only appears on my Trans Union credit report. Every time I contact Trans Union to correct the information and delete the public record of bankruptcy they only state that was the information supplied to them by another company and they refused to investigate and delete the incorrect information. I have never filed bankruptcy!!!
Product: Credit reporting

Wrong address I only lived at XXXX. 
XXXX, NY XXXX And XXXX NY, XXXX All others are wrong never lived there or incorrect address That do n't exist. One address is where my ex wife lived not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. 
I was reported by Chrysler Capital 30 days late for XX/XX/ and XX/XX/XXXX Im XXXX XXXX and my business was closed due to government order for pandemic. My XXXX was closed for XXXX, XXXX, XX/XX/. I called Chrysler and ask them to defer the payments around XXXX, and they were ok with that but still they reported me. This was during middle of pandemic and im requesting help to remove this late payment from my credit report. We are back to business now and still trying to survive.Its affecting my score drastically for any kind of loan applicaion
Product: Credit card or prepaid card

Hello good day sir / madam, I would.like to make complaints about american express credit card.I received a letter from.amex that i can refund my flight ticket and travel insurance and waive the fee, however when i spoke their representatives and supervisor they want me to charge for XXXX dollars cancellation fee even though i recw3 a letter from them. Attached a letter from amex that i am able to get full refund without fee or penalty. 
They cancel my flight because of covid 19 virus pandemic. 
I hope you can help me in this matter Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was reported inaccurately. I see one collection that have nothing to do with me, but everything to do with the owner of the property, that had repair on the water consumption problem. The consumer reporting agency needs to report all information with complete accuracy, this account has not been late on payments Ive attached a copy of my complaints on ( XXXX, XXXX ) Im now requesting you to investigate this account and update these payments as paid on time asap.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA0. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Synchrony bank harassing me with multiple calls daily from XXXX ( XXXX ) XXXX. Asked them to stop and they continued with this tactic
Product: Credit card or prepaid card

I have two Capital one Spark for business credit cards. I pay them in full on the day they are due, without exception. For the past 3 months, the day after my credit card is paid, they send me emails stating that I have to make at least my minimum payment. I call the number on the card and they tell me they did receive my payment in full. They can't figure out how to resolve. Meanwhile, every month I pay my account in full, they receive it on time and the next day I receive an email telling me I did not pay and I must make the minimum payment. 

I have talked several times to a lady at Capital one who claims to be with the executive branch of Capital one but she has not been helpful. She told me this was resolved, but it is not resolved. I don't know how anybody can trust this bank since they can't even keep track of receiving my payment in full. 
I just made a complaint with the Federal Reserve in XXXX. These people should not be allowed to be in the banking business.
Product: Checking or savings account

I reached out to XXXX XXXX XXXX XXXX several times trying to make any arrangements that I could. They gave me no options but only 15 days prior to them closing my account. Right now Im working check to check, and the more theyd call and call was very draining and stressful. The balance stated owed was XXXX, still yet sent no agreement or anything they sent it straight to collections without my consent and my private information.
Product: Credit card or prepaid card

I have indicated to Bank of America that I had fraud on my card through the internet services! Even though I explained that these internet companies have been taken fund unauthorized, they rules against me! The internet services compromise my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

Account Reference XXXX  XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding Trans union dropping my credit score 113 points without merit and without explanation abuse of correct credit score cause me significant damages after long time of repairing my credit score Thanks
Product: Student loan

In XXXX I took out a XXXX loan for my son to go to college. 
My son paid on the loan and in XXXX he merged all his loans and since has paid them off. In late XXXX, early XXXX of this year I answered a call to my home phone of what I thought would be a telemarketer, because the ID said unknown caller. The female voice on the line asked for XXXX. I said XXXX does not exist and she said I am so sorry. Realizing that she thought deceased I explained that I was XXXX XXXX but divorced and now XXXX. She then told me that she was calling on behalf of XXXX and that I had a loan that has not been satisfied. I told her that she had incorrect reporting and why in the world would you call 13 yrs later. Since then I have received several letters in the mail of which I sent a bankruptcy notice ( XXXX ). I found that Federal loans do not qualify. No problem show me all the payment history. Who paid on the loan when payments were made and how they were made. I to date have not received any satisfaction with this request. My son called XXXX of whom he had merged and paid all the student loans with. The investigative dept was conferenced call with my son and I and all quesitons asked. The investigator did say this sounds like it may be a fraudulent claim. Still waiting on the results.I called the company Navient, in early XX/XX/XXXX the woman told me that there was XXXX on the loan # I gave her. I asked if she could mail me a copy of this XXXX balance. She said that she would have to send it to the finance dept and that takes up to 48 hours. No problem could they maybe send it to my email. She said yes. I waited a couple of weeks and never received it so I called on XX/XX/XXXX. I got a woman named XXXX told her of my request and she said you will have to call the guarantor, XXXX she gave me a # called and spoke with XXXX told her of my request and she too said you will have to call the guarantor of the loan. Frustrated I told her I was told that by the last lady and this is the # she gave me. She still said you will have to call. Now I am retired and living on a fixed income. This is so frustrating. Is this legitimate? Do I owe. I am trying to take care of this and getting no help. 13 yrs is a bit long to have someone decide to call and collect. Can you help me?
Product: Debt or credit management

Jefferson Capital Systems put a collection on behalf of XXXX. I do not have any account or affiliations with XXXX whatsoever. It may have been that my social security was used without permission.
Product: Credit reporting or other personal consumer reports

EXTRA  Account Number : XXXX Reason : How are you reporting late payments if I am protected by the Cares Act. Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.
Product: Checking or savings account

I purchased XXXX worth of items from XXXX XXXX XXXX using my Chase debit card, the order was marked as delivered by XXXX , but I never received it. I contacted XXXX XXXX XXXX and they advised me that due to the order size, I would need to file a claim with chase bank. I filed a claim with chase bank and filed a police report. Chase denied my claim, and I went to a branch to fax them documents showing that I had never received the order, but the transaction is still posted on my account and the claim is still denied.
Product: Mortgage

Freedom Mortgage increased my monthly payment stating I had a XXXX deficit in my escrow account in XXXX XXXX. I refinanced my home with them in late XXXX of XXXX. Since then, they have been unable to give me a clear explanation of why they increased my mortgage. 
after speaking to several representatives, it was determined that my insurance was n't paid although it was included and confirmed in the XXXX statement from American title company. I notified Freedom mortgage of this and they said that when they made the payment to the it created a deficit in my escrow account although they collected for the payment in the closeout. I 've been unable to get them to resolve this and every time I call, I 'm, switched between XXXX to XXXX people and have to re-explain my issue every time with no results. Surprisingly enough, my payment is near the same amount as it was before I refinanced a year later. No one can explain that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report today, I discovered an unknown collection item on my credit report. IC System Commercial has an unknown collection on my account for {$0.00}. When contacting the number ( XXXX ) I discovered the contact information is incorrect. How does this happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of a Title IV-D claim based on my recent discovery of fraud ( concealment of material fact ) and was informed by Office of Temporary Disability Administration that Dept. of Health Human Services, NYC Human Resource Administration, NYC Office of Child Support Collection Services, NYC Support Collection Unit are " Not Subject To '' the Fair Credit Reporting Act 1681e. ( b ) Accuracy of Report ; 1681i. ( 2 ) ( B ) Prompt Notice of Dispute to furnisher of Information ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( i ) delete said information or the Fair Debt Collection Practices Act. 1692g. Validation of debts ( a ) ( 1-5 ). No governmental agency mentioned above would or could validate the existence of a contractual obligation or furnish the original instrument that created a debt. Their is no validation of a debt. I also have certified copies that no judgement ( s ) were entered within XXXX XXXX County & XXXX County Clerk 's office pursuant to FCA 460 ; CPL & R 5012,5014, 5016, 5018 & 5041.
Product: Mortgage

Contacted Rocket Mortgage on XXXX as they advertised additional options for loans besides a refinance of mortgage. After discussing the need to explore options for securing a $ XXXX home improvement loan, the advisor proceeded to tell me they could get that out of the home 's equity and that it would be added to my monthly mortgage payment at same interest rate I had. Subsequently came to find out that they went forward trying to process a refinance and pulled my credit yet again ( I had already explored this option through their online portal ). Then came to find out that they didn't even offer home equity loans or HELOC 's ( the latter I was aware of ). The company continues to aggressively pursue refinancing on a home I haven't been in for a year with a rate that is worse than what I have now. I have been contacted by 3 different representatives on XXXX - each failed to listen to my goal of securing a loan and simply informing me that Rocket didn't have a product offering to suit my needs. Each tried to provide " options '' through a refinance that could work but ultimately left me with less than half of what I was looking to get.