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

My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Transunion by filing a direct dispute with them. They stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached an account status letter from XXXX stating my account has never been delinquent and my forbearance from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Transunion is not actually doing an investigation and just running it through their eocsar system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.
Product: Credit reporting

EQUIFAX HAD AGREED TO SHOW A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS CLOSED WITH A XXXX BALANCE AFTER INVESTIGATING MY FORMER COMPLAINT ON XX/XX/XXXX THROUGH EQUIFAX THEMSELVES AND CFPB. THIS ACCOUNT HAS REPOPULATED AND IS SHOWING A BALANCE OF XXXX DOLLARS. IT WILL BE SEVEN YEARS SINCE THIS ACCOUNT HAS BEEN PUBLICIZED ON XX/XX/XXXX. I REQUEST THAT THIS ACCOUNT SHOW A XXXX BALANCE UNTIL THEN AND REMOVED FROM MY CREDIT REPORT WHEN DEEMED APPROPRIATE - XX/XX/XXXX.
Product: Mortgage

Select portfolio servicing bought our mortgage about 7 years ago and I recently started noticing that there were extra charges on there besides late charges. They keep telling me that they are charges they do n't have to explain to me so I requested my loan information from the time we bought the house. I have asked twice now and they will only send me the last 7 years stating they do n't have to show me any paperwork from when they bought the loan or copies of any charges that have accrued ... .In XXXX I paid them XXXX house payments at which time they said I was still XXXX behind so in XXXX sent another XXXX plus extra for late charges. What I do n't get is in 15 years of having this mortgage they claim my payoff is still the original amount of the loan I just do n't think that could be right. Please help as we are still at almost an 11 % interest rate too!
Product: Debt collection

Fay Servicing LLC. is reporting a mortgage debt on my credit that was discharged from my XXXX  XXXX bankruptcy case on XX/XX/2015. I have no personal liability to this debt. By Fay Servicing reporting this debt on my credit report is a violation of my bankruptcy discharge and has damaged my credit.
Product: Credit reporting or other personal consumer reports

My credit report or credit history score is being ignored. I have had credit before with bank and approve credits, Paying interest just to create credit score. I have checked my score with XXXX XXXX, being fair. Lately my application for credit card ( XXXX ) was checked with Equifax being denied. Other loan companies tell me I dont seems to have score. How can I maintain or create more credit history? 
Companies like Equifax deny credit based on not having credit history. But this is not my case any more. 
I had to cancel previous credit card with XXXX XXXX due to that bank didnt seem able to activate the card. Not because of me
Product: Vehicle loan or lease

I called Santander Consumer USA Inc. to get payoff quote XXXX XXXX. The company representative XXXX gave a payoff quote figure XXXX. She said the figure was good until XXXX XXXX. 
Accordingly my uncle XXXX XXXX obtained a bank check for the exact amount and sent it via XXXX to the address XXXX provided. 
The check was received but by telephone the company now says that a further {$380.00} is due to extinguish the loan. They do not dispute that they provided a payoff amount of {$11000.00}, but say that figure was not complete. 
Having taken time from work on a weekday to obtain a bank check and gone to the expense of shipping it via XXXX, {$34.00}, I object to having to pay a further sum over and above the payoff quote I relied on from Santander 's representative. 
Santander should honor the quote they provided. 
Account # XXXX
Product: Vehicle loan or lease

Yes, The auto loan company has not informed me about any debt collection whatsoever or made any plans with me, including the payment that is required after my car accident. The insurance paid half of what was remaining on the balance which was XXXX miles on the car and they expect me to pay the remaining I told him I can send what I can but currently I am not working so they sent all my information to collection without my notification.
Product: Debt collection

Good evening, All my accounts at XXXX XXXX  ( including the accounts that my kids opened at age XXXX with me were suddenly put on hold/frozen and debited the amount of ( negative ) - {$16000.00} on Thursday, XX/XX/year>. I only found out because I got paid my $ XXXX a couple days prior and I was trying to send my car note payment & pay my utility bills totaling about {$1400.00} on that day but wasn't able to do it. I called XXXX XXXX  & was transferred to another department where they told me that there was a legal hold for 2 years for that amount. They informed me that the law office of Blitt & Gaines and their Collection Agency with CASE # XXXX placed a legal hold on my account for the amount of {$9500.00}. XXXX then proceeded to threaten me, telling me they can escalate the situation, saying the hold should be twice the amount ( {$19000.00} ). I told them I don't understand this as I have not received anything from these attorneys explaining this debt, and much less information giving me options of things I can do to prevent this. I could have done something about this if I was informed that this was going as I already have an attorney that can represent me but.... that did not happen. They froze my accounts & the accounts of my sons, XXXX  ( XXXX ) who had {$2000.00} saved to pay his University tuition and XXXX  ( XXXX ) who was receiving his {$1200.00} ( XXXX - direct deposit check ) the very next day. This has caused great turmoil making it impossible for us to use the little money that we have to pay our bills and our rent. 
Please trust that I am not a consumer that has money & just refuses to pay. I am a single mom/consumer who has struggled to survive XXXX XXXX XXXX  abuse after my divorce, with no alimony and no child support. Covid affected my entire financial situation while I raised my XXXX boys by myself ( as their father was not involved because of his XXXX XXXX  ). I lost my house to foreclosure, I lost my business, and I continue living with family and friends while I work to regain my financial independence eventually. 
Thank you for taking the time to read and to help me resolve this.
Product: Mortgage

My mortgage lender has not paid my property taxes and I now have a warrant against the property. They have not received a payment from them since XXXX 2015. Next payment was due XXXX 2015. I sent my lender a deliquient letter and they said it would be paid within two weeks. Two months go by and that 's when I received a warrant from the XXXX. I 'd like to know how to proceed and it it possible to change lenders. I have absolutely no trust in them and they are clearly mishandling my mortage payment that I send to them on time every month. This lien goes on my credit and I 'm at risk of losing my home.
Product: Credit card or prepaid card

Citibank advertises to provide customer service, yet their customer service is a dismal failure fraught with agents who either have no idea what they are doing or are simply lazy. I have been an excellent customer of Citbank for years -- always paying my credit card in full monthly. Last month, I misplaced the statement and found it five days after the payment date. I immediately made a payment in full and called Citibank to explain the oversight and request that they waive the fees. The agent agreed. I verified two days later that the payment from my bank to Citibank had posted. The interest was never credited back to the account. I am in the process of applying for a Mortgage. Citibank reported my account as past due, which resulted in my not qualifying for the rate I had been promised by the loan officer. The loan officer told me I could write a letter of explanation and attach a letter from Citi showing my account number and the current balance due. She explained that time was of the essence. I immediately called Citi and the agent agreed to fax the letter to the Loan Officer and upload a copy to my Citi portal. She said that was the quickest turn around she could offer. She never uploaded the letter to my portal and the letter she faxed to the Loan Officer, which arrived 24 hours later, was not correct as it did n't include my full account number. ( As an aside three days prior I inquired with Citi to find out what " flags '' they put on my account. The Customer Service Agent who I spoke with at length told me he would research and call me back the following Monday to explain. He never did. ) So, I called Citibank customer service again and requested to speak to a manager. I was routed to an agent named XXXX ( they do n't share their last names ) who claimed to be a Sr. Supervisor of the customer service team. XXXX told me that Citi can not provide a letter with the full account number because it 's against their policy. He said that they can only reveal a full account number in the case of an emergency and he did n't deem my situation an emergency -- even after I explained that not having the correct documentation timely would cost me several thousand dollars. My loan officer explained to XXXX that the request for a letter with full account number and balance due is a routine request from lenders. He would n't budge and refused to escalate my call to a more senior person at Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint against Mountainland Collections for reporting on my credit report because they never notified me. Their response was that they sent a notice and it came back. SO obviously they didn't have the correct info and I NEVER received a notice. They reported to my credit without contacting me and they need to delete them. 

I took care of the erroneous debts that were paid by insurance already and they need to be removed. For 1. they were not valid. 2. I never got a notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}, XXXX XXXX Balance : {$6600.00} , XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint about this issue, that Sun Loan keeps updating and changing balance and making comments. This account was reported as closed. Then XX/XX/2019, this account was deleted and removed. Then yesterday, I'm not sure if XXXX was getting revenge for a previous complaint because 2 items were still on the credit report when in fact I have proof these accounts were deleted and removed. But yesterday, Sun Loan that should be removed and was closed prior, made an update and a comment and XXXX horrifically dropped my score 30 points! Usually when sun loan updates when they shouldnt be, XXXX never drop my score that much. I am devastated. I was just about to get a mortgage, I think they knew this because of the inquiry, so they destroyed my life by taking 30 points off from a deleted creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes i have dispute with experian concerning the bankruptcy on my credit XXXX XXXX has remove it completly but experian said the will not remove it after the documentation i provided here are the laws that were violated 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( XXXX ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Furthermore, the Consumer report agency can only add any Bankruptcy to a credit report once they have documentation certifying the Consumer withdrawal of a Bankruptcy Case. This Consumer Report Agency does not have any type of documentation showing that I withdrew any Bankruptcy case and if they happen to have such a document then this Consumer Reporting Agency will be in Violation of My Privacy Act.

Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.
Product: Debt collection

On XXXX Light Stream reported a consumer credit transaction that arose my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction.

So it seems like Light Stream is violating FCRA by providing information on my consumer.

Below are the following things that should be excluded from my consumer report.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I was never given the opportunity to OPT out. 

The consumer credit transaction between Suntrust and myself should not be reported to my consumer report. I was never granted the right to opt out by Light Stream.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and TransUnion about incorrect personal information on my credit report. They have failed to address the problem or update the information.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, and/or Transunion ) credit reports and I noticed late payments posted on my credit report. A proper investigation was said to have been investigated for completed with fairness and accuracy, but I don't agree. 


Transunion ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the follow circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Did I give you written instructions to furnish this account on my credit report? 


Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to Section 1681S-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete* the above late payments that were addressed ( not the entire account ), this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced late payment from this account, and send out a free copy of my report after the changes have been made may result in legal actions being taken against your company, for which I may be seeking {$1000.00} per violation for : Defamation of Character ( per sXXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act [ 15 USC 1692g ] violations Fair Credit Reporting Act [ 15 U.S.C. 1681n ] Best Regards, XXXX XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 i received a current copy of my XXXX credit report. They did a re-investigation for me on an account that had fraudulent charges on it. There re-investigation shows that this account is NOT reporting on my XXXX  credit report. It was deleted off the report as it should have been. However transunion and XXXX   are still reporting it. I attempted to dispute it again online with transunion but they will not allow me onto the website even with a confirmation number. I am submitting this complaint about XXXX  and transunion as if they had done a thourogh investigation they would have received the same response to delete this fraudulent account off my credit report. I also was recently denied credit from XXXX XXXX  due to this account that dont belong on my credit report. It had caused me to be denied a credit card from them.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit profile there were incorrect addresses, phone numbers, several missed spellings or just plain incorrect spellings of my name
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Accounts have never been late and the credit bureaus are reporting inaccurate information. The accounts have been in deferred status because of still enrollment in school. Removed the late payment ACCOUNT : XXXX OF XXXX ( XXXX ) THERE ARE XXXX ACCOUNTS ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act, they have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX is incorrectly reporting that all 20 of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had 20 student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then 1 loan at a time. I don't believe its possible to receive 20 loans at the same exact time. All 20 accounts have the exact same account number which is not possible, so I'm being penalized for being late on one student loan account 20 time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!
Product: Credit card

According to 15 USC 1692 c you have violated my rights by in lawful communications please remove this off my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for debt validation on my credit report from Equifax. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Equifax never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.
Product: Debt collection

Back in XX/XX/XXXX-XX/XX/XXXX, I noticed that there was something on my credit report that did not belong to me. So I sent them a letter disputing the information, therefore they deleted it off all of my credit reports. My wife received a call on today XX/XX/XXXX from a restricted number stating that they have some legal documents for me to sign. When I told them that it did not belong to me they gave me the telephone number ( XXXX ), and then they told me to hire a lawyer because they are suing for fraud.