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

TRANSUNION XXXX XXXX XXXX XXXX - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 

There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 

Two-Year Payment History : ( XXXX ) NO HISTORY REPORTING FOR TRANSUNION XXXX : XXXX XXXX XXXX : ( XXXX ) 60 DAY LATE ( WHICH IS 120 DAYS ) WITHIN ( XXXX ) CONSECUTIVE MONTHS ( WHICH IS 60 DAYS ). HOW IS THIS POSSIBLE? 
TransUnion : NO HISTORY REPORTING FOR TRANSUNION I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE XXXX DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$0.00} TransUnion : {$250.00} Last Verified : ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/XXXX Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Closed Date : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/XXXX Credit Limit : ( XXXX ) CREDIT LIMIT SHOULD BE {$0.00} XXXX : {$200.00} TransUnion : {$200.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I do not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off my credit report in four days.

These fraudulent accounts are not only damaging my credit but also causing me a significant amount of stress. I have no connection to these accounts and urgently request the immediate remocal to prevent further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I realized that my credit was stolen when I got a call from TD card services requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent XXXX XXXX XXXX credit card being opened in XXXX XXXX XXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach XXXX, XXXX XXXX, XXXX XXXX and TD bank before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from XXXX XXXX XXXX are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and TD Bank Target XX/XX/XXXX.
Product: Mortgage

My mortgage company Carrington Mortgage Services refuses to credit all payments made to my mortgage account. While in bankruptcy ( XX/XX/XXXX ) I received a Foreclosure notice stating that payments for XX/XX/XXXX- XX/XX/XXXX had not be made. I forwarded copies of my bank statements to CMS and they made note of it. By the time this was resolved, my account was in foreclosure and they had stopped taking payments on the account. Inquired to CMS on what to do and was informed that the way to resolve was to request a repayment plan. This was done. I received the repayment plan, but noticed that they repayment amount was very high. When I contacted Billing Dept. they stated they were missing payments on my account. I sent an inquiry to their Research Department asking them to research since the XXXX was discharged and I made payments through XX/XX/XXXX. It was scheduled to start in XX/XX/XXXX. The response I received in XXXX was that all payments had been credited and they were not going to do anymore. However this is not correct. My bankruptcy was discharged in XXXX of XXXX, that means that all parties were satisfied including Carrington.

I wasn't able to make payments from XXXX - XXXX of XXXX. At {$940.00} month x 10 months= {$9400.00} behind. Add 6 months to repay going forward x {$940.00} = {$5600.00}. {$9400.00} + {$5600.00} = {$15000.00}. $ XXXX months to pay = {$2500.00} total repayment per month. However CMS calculation is {$3800.00}. ( I was paying {$930.00} per month at that time ) I made 3 payments of the repayment plan which started in XXXX and received a notice on XXXX that I had been sent to Foreclosure again. All of the payments of the repayment plan were not on time. But they took the money and it should be credited to the account.
Product: Credit reporting or other personal consumer reports

I do not recognize the following accounts, I believe they are the product of identity theft. I have called these creditors and alerted them, going as far as asking for written proof but so far they have denied me. The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT XXXX Account Number : XXXX
Product: Debt collection

Per the the debt Validation letter that was sent to this company, I requested pertinent information. 

1. **Verification of Debt Ownership** : I am requesting a copy of the purchase agreement, delineating the terms and conditions of the transfer. *Refusing, or failing, to produce the purchase agreement will be treated as suppression of vital information.

2. **Chain of Assignment** : Provide a meticulous and chronological chain of assignment, elucidating the successive transfers of the alleged debt, including specific dates and the identities of the parties involved.

3. **Copy of the Bill of Sale** : I request a copy of the bill of sale pertinent to the transaction, outlining the transfer of the alleged debt with all associated particulars.

4. **Itemized Accounting of the Alleged Debt** : Furnish a detailed and itemized accounting of the alleged debt, encompassing principal amounts, interest charges, fees, and any other pertinent details.

5. **Copy of the Contract of Sale** : Kindly provide a copy of the contract of sale relating to the transaction involving the alleged debt, incorporating all terms and conditions governing the sale.

6. **Notice of Mandatory Arbitration** : In the event of any contemplation of legal action, I request explicit information concerning the existence of a mandatory arbitration clause. If such a provision is applicable, please furnish details on the initiation of arbitration proceedings.

Since debt collectors purport fraud at extraordinarily high rates the included items are necessary to the validation of this alleged debt. This company failed to provide item 1, item 2, item 3 ( without redacted information, also does not specify if it pertains to the alleged debt ), and item 5. This company has seemingly omitted pertinent information for its own gain and unjust enrichment. I demand the information that was requested.
Product: Debt collection

Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE AND SEND BACK TO XXXX SO THAT THEY CAN INVESTIGATE AS YOUR COMPANY WAYPOINT NOT XXXX IS REPORTING AN ACCOUNT THAT IS A RESULT OF IDENTITY THEFT. I WILL BRING LEGAL ACTIONS IF THIS IS NOT REMOVED WHILE INVESTIGATED.
Product: Prepaid card

Hi I been trying to get us direct Express to have my XXXX funds go on a new card they sent me a new card ok now there fraud department won't release and unlock the card when XXXX has my payments going to the card.
Product: Student loan

There is a loan for which I co-signed for a college student. This student has had very a difficult time repaying the loan. He has contacted Navient on numerous occasions to try to restructure this loan to make it easier for him, but they will not help him. He has XXXX XXXX XXXX, and the cost for his insurance and XXXX take the majority of his monthly income. Navient services this loan. If he is less than a week behind in making his scheduled payment, Navient begins calling me. As the past due time continues, they may call me 3-6 times in a day, calling my home as early as XXXX or as late as XXXX, calling my business provided cell phone the same number of times. They will not work with him to adjust the current terms, and will not consolidate this loan with his other loans to create new terms.. on loans which they also service. Currently this loan has a payment that is scheduled to be made from the student 's bank on XXXX XXXX 2016. When this payment is made his account will be current ( at least for now ). Despite this arrangement, which I have had Navient confirm for me over the phone, they call me a half dozen times a day demanding payment. 
There was a time when I was willing to take this loan over and just pay it to stop the calls and the stress ( I am not going this route currently, as I need the student to take responsibility for his loan ). However, at that time, I begged Navient to adjust the terms of this loan for which they were holding me accountable. They would not adjust anything on the loan to meet my needs and financial situation, despite holding me responsible for the repayment of the loan.
Product: Payday loan, title loan, personal loan, or advance loan

In 2023, I received financing for a laptop, with no interest charged for a year. Shortly after, Dell changed their system to work with Comenity Capitol Bank. I received an e-mail stating that my account number would be mailed. I never received an account number. I have only received communication over the phone, which I had used to pay, but I want to log in online so I can pay the balance in full and dispute any issues. I have attempted multiple times both over the phone and via e-mail to get my account number so I may pay online. At this point, interest has continued to generate because I have not been able to log in online. I have had trouble understanding and communicating with people on the phone, and they have refused to communicate via e-mail. I have continually asked for my account number, and each time they have refused my demands.
Product: Mortgage

-- SPS provides contradictory information to Borrower regarding status of forbearance during COVID-19 pandemic. 
On XX/XX/XXXX SPS stated, " You previously indicated that you have been impacted by the COVID-19 pandemic. The existing payment relief provided on your account is coming to and end. '' -- SPS actively disregards requests for forbearance extension as allowed under the CARES ACT.

Multiple requests for forbearance extension have been submitted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), SPS has failed to respond or states that forbearance has ended while providing conflicting information stating that forbearance is " comding to and end '' without providing a specific date on when the forbearance is ending. 
-- SPS actively disregards completed applications for loss mitigation. 
Multiple loss mitigation applications have been submitted and SPS simply responds with vague statements that information is missing, fails to provide detail on what information is missing, or when details of missing informaton are provided, the information has already been submitted. SPS states that signatures are missing or parts of pages are missing when all pages submitted with application are legible and signed where necessary.
Product: Mortgage

Our loan servicing company, Lakeview Loan Servicing, apparently refuses to change the billing address to our current address, the address of the loan, you know, so we can pay the mortgage on time. WTH!!!!!!! I believe this company may be run by criminals, and/or commies. Who else would run a company like this? And I do not care if covid is around or not, this type of disregard for people 's time is ridiculous. I should send the CEO of that company a bill for my time. This company is locked in with XXXX and they get 1 out of 5 stars, so beware, nepotism and cretinism in that org is rampant.
Product: Debt collection

Hi. XXXX Gyms is attempting to collect a debt resulting from a membership contract that I never signed ( attached ) but I received by email. A gym employee signed it without my authorization. When I checked the contract on XXXX webpage, the initials on the contract and the address zip code do not match. 

I emailed XXXX in early XXXX and was told that they couldnt help, only the local gym can. I called the gym about a week later and they said theyd help, but didnt. 

When I called XXXX XXXX XXXX about a month ago to respond to a bill collection effort, I disputed the debt. After asking for a manager, they confirmed that two contracts were associated with my phone number without my knowledge, so I was told they ceased collection efforts on both. 

Today I received an email from Aldous & Associates, P.L.L.C. demanding payment of {$130.00}. I sent them an email to XXXX and got a response saying that the address isnt monitored ( despite being listed on the bill payment page ). When I called the XXXX number that appears on the website today XXXX XXXX XXXX XXXX, I restated the above and asked for them to cease collecting an invalid debt. The person on the line said we dont work like that and then hung up on me.
Product: Debt collection

Portfolio Recovery continues to report inaccurate information on my credit bureau report with XXXX and XXXX regarding a debt I do not owe. I requested " validation '' of this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, with competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them ( Portfolio Recovery ). Portfolio Recovery never provided any information bearing my signature of any debt I owe to them. Portfolio Recovery continues to report false and inaccurate information on my credit bureau reports for a debt I don't owe.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX Inquired on XX/XX/2023 2023
Product: Student loan

PLSF : I have been making qualifying payments towards the PLSF- Public Service Loan Program since my employment with a governmental organization ( Department of XXXX XXXX and XXXX ) since XX/XX/XXXX. I have the employment certification confirming this information since XX/XX/XXXX to present day. 
In XX/XX/XXXX, I received a payment count letter from XXXX noting that I have made only 4 out of 24 Qualifying Payments towards the PLSF program fromXX/XX/XXXX to XX/XX/XXXX. I then contacted XXXX in XX/XX/XXXX requesting review of the payment history and why only 4 payments were being counted and not the entire 2 year period ( 24 payments ). Please note the payments were paid through my debit account as per instructions provided by XXXX and verbally confirmed via customer service at fedloan that these payments were being counted under the PLSF qualifying payments from XX/XX/XXXX to XX/XX/XXXX. 
In XX/XX/XXXX, I had not received any updates regarding the payment review or an updated qualifying payment letter. So I filed a complaint regarding this matter through Student Aid feedback in XX/XX/XXXX. I was then assigned a team member from XXXX and an updated qualifying payment to 23.  However, the payments from XX/XX/XXXX to XX/XX/XXXX stands at 4 due to pay ahead schedule that i requested to be taken off and reviewed as XXXX verbally confirmed that the pay ahead schedule is being reviewed and can be disputed if i was given the wrong information. On XX/XX/XXXX, they confirmed the review has been closed and the payment count for XX/XX/XXXX-XX/XX/XXXX stands at 4 due to not paying full a, ount due to pay ahead status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX MN XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
11. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
12. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. This is the wrong creditor for this item XXXX Account Number : XXXX Please investigate and delete from my credit report. 
14. This is the wrong creditor for this item XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX