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

I have file disputes with XXXX  experian and XXXX and hitting rock bottom with all 3 like talking to brick wall and credit scores should be in middle XXXX 's not low XXXX never missed any payments and im tired. Of being treated like little child and i refuse to accept a loan from subprime lenders im not Donald Trump and im not made of money credit bureau dont want do anything dispute the errors on my report and refuse to remove hard inquiries i dont recognize i feel i have no choice but contact you i dont know what else to do
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year> and XX/XX/year>
Product: Debt collection

**This is no t a Duplicate Complaint. Fo llow up from  Complaint #  XXXX ** There is no need place an " Cease to communic ate '' on this account your claiming is mine, but a Cease reporting a frivolous collection towards my name. The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :   XXXX   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded an d retained in their files that pertains to this " debt ''. If EOS CCA d oes not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y )  they need to retract this from my credit file immediately.
Product: Credit reporting

Dear Sir/Madam, Re : Complaint number XXXX & XXXX & XXXX A letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed that FTC had forwarded the file, including the XXXX Exhibits. 
If you need more please let me know. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXXTel : XXXXEmail : XXXXXXXXXXXX. 
Bureau of Consumer ProtectionFederal Trade CommissionXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXDear Sir/Madam, Re : XXXX Case : Corporate Escalations XXXX XXXX Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by XXXX Equifax under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, XXXX XXXX XXXX XXXX XXXX 

This is a complaint against XXXX, XXXX Equifax, and collection agentXXXX, XXXX XXXX XXXX XXXX, in connection of the above-captioned allegations. In which my rights may have been violated.
Product: Vehicle loan or lease

Us auto sale went out of business and a collection agency has the loan and I did not authorize anything and the loan is not the right amount and I paying for Gap insurance and dont have it and a warranty that I dont have
Product: Credit reporting or other personal consumer reports

I XXXX  submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution. 

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and provide a response within XXXX  days. Your failure to meet this obligation is a clear violation of the statute.

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the Massachusetts Consumer Protection Act, XXXX. XXXX XXXX, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear English have only compounded the issue. 

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response. 

I trust that you will take my concerns seriously and work towards a resolution in accordance with the law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 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: Payday loan, title loan, or personal loan

I have sent cease and desist letters to the loans and they continue to harass my family, friends and myself. I receive SS and have no assets.
Product: Bank account or service

My name is XXXX XXXX and I work at XXXX XXXX XXXX. I am writing this with XXXX XXXX who is a client of mine. XXXX is XXXX and has a difficult time understanding XXXX, so she has asked for me to help her. XXXX had some certificates of deposit with US Bank from XXXX that she wanted to withdraw. XXXX went to the US Bank locations in XXXX XXXX and XXXX XXXX XXXX. XXXX states that both locations did not help her or show her what happened to these funds. It is possible due to XXXX 's age that these funds have been withdrawn, however US Bank. When she went into the US Bank locations she was told they do not have record of those certificates. XXXX would like to see proof of what happened to these funds. Whether they were withdrawn or transfered, she believes that she should be shown a statement or some sort of proof instead of being told they do n't have those records. We did contact US Bank over the phone to inquire about this and were told that this information could only be completed in one of their offices.
Product: Student loan

Upon entering XXXX  school three years ago ( XX/XX/XXXX ), my federal student loans went into deferment. Since then, I have not received ANY contact from my student loan service, Nelnet. This includes loan statements, interest statements, tax information, reminders, or anything else. 

I have continued to make payments to my private student loans during my time in graduate school to a company that is also owned by Nelnet ( Firstmark ), but given the lack of contact, I had forgotten about the separate loan and loan service account. Perhaps naively assuming that since they're owned by THE SAME COMPANY and want my money they would be in touch. Today, I learned I still owe {$13000.00} in federal student loans. I was not aware of this balance until today ( XX/XX/XXXX ). 

I contacted Nelnet and despite having records of my making regular twice-monthly payments totaling tens of thousands of dollars over the past three years to my private loan account, and declaring interest as tax deductible every year, they have no record of contacting me for my federal student loans. I asked them why they didn't contact me and to please describe the policy that outlines why in the world they would cease contact with borrowers while also collecting interest on them and their response was " I don't know. '' I'm not kidding. The response from the customer service representative and her supervisor was " I don't know. '' TO BE CLEAR : I did NOT miss any contacts, letters or email. I did NOT ignore any correspondence or lose it. NELNET HAS NO RECORD OF CONTACTING ME FOR THREE YEARS despite collecting daily interest from me. 

" I don't know '' is not an acceptable response. Not contacting borrowers for three years is not an acceptable policy. Continuing to collect DAILY COMPOUNDED INTEREST off my back while neglecting to notify or even give me the opportunity to deduct the interest from my taxes is not acceptable. I would assume and hope that it is in some form illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX Account XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX  Account # xxxxxxxxx XXXX, XXXX LXXXX XXXX  Account XXXX xxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, DEPT OF EDXXXX Account # XXXX XXXXXXXX, DEPT OF EDXXXX Account # xxxx XXXX, DEPT OF EDXXXX  Account # XXXX XXXXXXXX, DEPT OF EDXXXX Account # xxxxx XXXX, DEPT OF ED/XXXX Account # XXXX  XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX, DEPT OF EDXXXX Account # XXXX , US DEPT OF EDUCATION Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX & XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX XXXX XXXX/ XXXX  Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has 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 a account without my written instructions
Product: Credit card or prepaid card

XXXX XXXX XXXX reporting {$640.00} XX/XX/2023 Debt inaccurate /debt not validated XXXX XXXX XX/XX/2023 {$300.00}. 
Debt not accurate incorrect amounts Debt not accurate XXXXXXXX XXXX XXXX XXXXXX/XX/2023. {$520.00} Incorrect reporting debt not accurate dates inconsistent
Product: Credit reporting or other personal consumer reports

In reference to my previous complaint : XXXX On XX/XX/2023, my XX/XX/2023 mortgage payment was reported XXXX late negatively impacting my credit score, which went down from the XXXX to XXXXXXXX XXXX. I've never missed a payment or have been late on my mortgage payments once. I contacted Mr. Cooper on XX/XX/XXXX to dispute their erroneous reporting and they advised me that a case would be opened to update my credit report within XXXX days, which they have failed to do. 

Mr. Cooper is excusing their failure to properly notify me about my escrow shortage and subsequent payment increase by claiming that an online account was opened in my name through my old servicer Homepoint Financial in XX/XX/2023, and I requested for e-delivery of my mortgage statements. That is completely irrelevant because my loan was transferred to Mr. Cooper in XXXX! Mr. Cooper also confirmed in their response that I never created an account on their website, so how in the XXXX was I expected to receive a copy of my escrow statement about my mortgage payments increasing?! 

Per RESPA guidelines lenders aren't permitted to conduct negative credit reporting during the XXXX grace period after a loan was transferred. If my loan was transferred in XXXX, then XXXX would have fallen into the XXXX grace period. Additionally, I was told by the phone representative that nothing negative had happened in relation to my late payment when I was contacted about the payment discrepancy in XXXX, which I immediately rectified at that time! 

Not once have I ever missed or have been late on my mortgage payments. I worked in XXXX XXXX XXXX XXXX XXXX XXXX  for several years and am very familiar with loan transfer guidelines, as I personally XXXX  transfers to horrendous companies like Mr. Cooper AKA Nationstar AKA whatever other ridiculous name they want to go by in the next XXXX years. 

As of XX/XX/2023 I no longer work at XXXX and no longer have any access to my old work email - XXXX. Important mortgage documents during a loan transfer should NEVER be emailed, especially when an escrow analysis was run barely a month after a loan transfer! 

I can assure Mr. Cooper that I will continue to submit complaints and pursue legal action if necessary to have this issue resolved. It would be far more cost & time effective to simply correct their negative credit reporting.
Product: Debt collection

Good afternoon cfpb XXXX lost my credit XX/XX/year> I called people from XXXX to letting them know they never responded and I left message from them after XXXX years they try to agains me by debt collection I dont nothing about this money {$4900.00} and I dont know XXXX XXXX and I never spoke to anyone about this
Product: Credit reporting, credit repair services, or other personal consumer reports

There is hard inquiries on my credit report that were fraudulently done and there is old collections accounts that I disputed forever ago that either do not belong to me or the accounts were charged off at the end/beginning of new year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that you Cease & Desist from reporting old information on my consumer report, I demand that you cease & Desist from reporting, incorrect, misleading information on my credit report, I demand that you Cease & Desist improper validation and proof of debt on my credit report. 
Please remove the following account within 5 days from my report XXXX XXXX XXXX XXXX I have not given you premission to report these accounts to my report, Also I have not recieved evidence of these accounts that that belong to me.

These account are incorrect and misleading. I will seek legal action if they are not removed within 5 business days. This is the last notice. If there is no proof you must remove these accounts. 
Student loans have already been removed off my report than came back, XXXX has changed the account to postive to negative several times after they sold the debt to another company.
Product: Checking or savings account

Around XX/XX/XXXX, I called Truist Bank with concerns about suspicious charges on my checking account. I asked for a temporary hold to be placed on my account, as this was sorted out. Truist added the block to my account. This block was my idea, however, I was clear in that I wanted the block to be temporary and wanted the ability to transfer money internally between accounts. 

On XX/XX/XXXX, I call Truist to ask for the block to be lifted so that I can use the account to pay rent. I had to use XXXX to send the money, and this was the only account that could use it. The savings account, which is unblocked, can not use XXXX, but the checking account would be able to if Truist would unblock the account. I am also unable to send money between my savings and checking accounts. 

Truist refused to unblock saying that can not do so, and that my {$10000.00} is now inaccessible to me and only available at their discretion. They said they have no protocol or department to assist me and that I can not access my money. They also said they could not guarantee they would give me my money. 

This is theft. I need this money for my expenses, and denying me access to my own money without just cause is unjustifiable. This is criminal. 

I would greatly appreciate any help that you can provide, and I am happy to provide more details as needed.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting obsolete and inaccurate information information on my credit report such as High balance- not the same on all 3 bureaus Last verified date- not the same on all 3 bureaus Date of last activity- not the same on all. 3 bureaus Date opened- not the same on all 3 bureaus Late payment- not the same on all 3 bureaus Account type- not the same on all 3 bureaus Credit limit- not the same on all 3 bureaus Late payments reflecting on all 3 bureaus
Product: Credit reporting or other personal consumer reports

Despite multiple certified letters and phone calls requesting Experian to correct the reporting of me as deceased on my Experian credit report, Experian has refused to correct this problem of co-mingling my credit report with my XXXX XXXX 's credit file. I have attached my latest letter to Experian ( attached ) asking for them to correct this issue and one of the most recent rejection letters from a credit card company ( XXXX XXXX rejection letter attached ) stating that they have refused to give me credit because Experian is report me dead! The accounts that are showing me dead are : 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: Mortgage

My mother purchased a home using a reverse mortgage in XXXX, XXXX. She passed away in XXXX, XXXX with me her sole heir. The property was foreclosed without as much as an opportunity to discuss ways of keeping it. 

Under terms of the reverse mortgage there is an automatic six month extension for disposition of the property. On XXXX XXXX, XXXX I submitted a letter of intent and request for an additional six month extension to Wells Fargo. The succession for XXXX 's estate was started XXXX XXXX, XXXX and I was granted a JUDGEMENT OF POSSESSION on XXXX XXXX, XXXX. I received correspondence from XXXX XXXX, XXXX ( XXXX 's foreclosure attorney ) on XXXX XXXX, XXXX indicating that foreclosure proceedings had been initiated. 

I immediately began trying to contact XXXX to get information and the status of the loan and of the requested extension. After several attempts and numerous conversations with XXXX Customer Service Representatives in which I was told that they we unable to discuss anything about the loan with me, I initiated a conference phone call that included me, my attorney, XXXX XXXX XXXX, and an attorney from the Wells-Fargo legal department. That conversation proved fruitless and ended with the XXXX attorney taking the position that only " Letters of Administration '' from the court would allow XXXX to discuss anything concerning the loan or property with me. 

The property was scheduled for sale at XXXX XXXX XXXX Sheriff 's Auction XXXX XXXX, XXXX. Well-Fargo Bank acquired title to the premises at that sale. On XXXX XXXX, XXXX I received a Notice of Foreclosure with a Ninety Day Notice to Vacate and surrender possession. I removed all personal property and furnishings, at great expense, and turned the keys to the property over to Wells-Fargo 's designated agent. 

About XXXX XXXX, XXXX I received a summons regarding a motion to set aside the sheriff 's sale and reinstate liens and mortgages as if the sale had never occurred. That motion was granted and the judgement signed XXXX XXXX, XXXX. I believe that the entire process and the tactics employed by XXXX in this matter were patently unfair and possibly illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXXXXXX has violated my rights . Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I paid off my loan of : {$54000.00} completely in about XXXX. I started receiving bills from " Aidvantage Official Servicer of Federal Student Aid '' in XXXX saying I owed interest that was not paid before of : {$2200.00} ( unpaid principal ) is what it is called on my bill. I fought with them for months... finally paid it in full in XXXX of XXXX just so my credit was not hurt ... THEN I get a XXXX bill yesterday for Unpaid Principal of : {$410.00}! and CURRENT AMOUNT DUE OF : {$650.00}! After I paid it in full last month! I called 3 x I got disconnected twice after the person could not help me ( 1st call ) 2nd call, she tried to transfer me to a supervisor and hung up. ( 3rd call ) spoke to XXXX XXXX ( was helpful ) but agreed that I paid my full balance last month and she does not know why I got this bill... not helpful. she said she requested it looked into. my account # is : XXXX - This is exhausting, and this is why I paid the {$2200.00} last month because I did not want my credit hurt. NOW I get another balance due and I believe this is fraud. all of it, i want a refund of my {$2200.00} that I already paid too.
Product: Credit reporting, credit repair services, or other personal consumer reports

The statements made by Equifax is not proven that these accounts are mines. Checking with the creditors but not providing documents is not proof. As requested numerous times I need copies of debt validation for XXXX XXXX XXXX XXXX XXXXXXXX XXXX and also XXXX and XXXX  documentation that the debt was not settled as pay to delete. All the info listed as an explanation under Equifax completed investigation can not be submitted on my credit report without the companies shows this debt owed. Verified how where is the documentation that has been requested. Remove all of these accounts from my report if you can not provide written debt validation and payment history