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

There will be 2 issues on here but both involve TransUnion on XX/XX/XXXX I filed a complaint thru CFPB complaint # XXXX against TransUnion & stated the following : my mortgage is with XXXX XXXX XXXX XXXX since XXXX of XXXX I have never heard of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank you on XX/XX/XXXX this is the response I got from TransUnion : After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. Based on your request, we sent you a letter to inform you we were unable to locate a credit report for you and included a list of acceptable documentation and instructions on where to send them if you would like for us to re-check our records. 

Firstly I have received NO such letter & secondly, what do you mean you were unable to locate a credit report for me?!?!?! 

I have an account with you at https : //service.transunion.com/dss/login.page? & had been logging in occasionally & monitoring my credit report for a while now I have NEVER heard such a thing, I most certainly have a credit report. 
HOWEVER I will say that these last few weeks I have been able to log into my TransUnion account but I have NOT been able to VIEW my credit report now for weeks! I dont know what the problem is with TransUnion or their website but I click view credit report & the wheel that shows its loading just spins & spins & spins. 
I have tried their online chat & spoke to someone named XXXX who not only told me that someone would call me & the phone within 3 business days, which NO ONE ever did call me, but also he was apparently speaking to another customer at the same time & actually called me her name!! XXXX something I forget her last name. Which was outrageous & seemed like quite the breach of trust and privacy to me. I hope none of my information was accidentally given to anyone. 
And after waiting & not getting any call I tried to call TransUnion this time & spoke to someone about trying to fix their website problem & this time they actually deleted my whole account & had me create a whole new account & STILL it didnt work I encountered the exact same problem after all that
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Bureau [ XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ] deleted my oldest credit history off my account WITHOUT MY PERMISSION. I tried to correct errors on my credit report, and both times Experian ignored my request and did something completely different than I asked. 

1. I informed Experian that my account with XXXX XXXX.XXXX was closed because the company closed their stores in XX/XX/XXXX. It was listed up on my credit report as a still open account. When I received a copy of my report after the dispute- the account showed up as " Closed By Consumer ''. This was not true, The company closed their doors in XX/XX/XXXX by I never closed my account. 

2. After seeing my " corrected '' Credit Report which said the account was closed by me, I asked Experian to correct the account to show that IT WAS NOT CLOSED BY ME, BUT BY THE COMPANY because the company went out of business. The Company went out of business in XX/XX/XXXX- as I stated in both my first and second disputes. 

3. Experian deleted the account in its entirety- which was the longest standing account in my credit report. I WANT IT ADDED BACK. 

4. I called Experian, and after waiting on the line for 30 minutes, and then 10 minutes more- Experian said they could not add the account back onto the report UNLESS I FILED A LETTER TO THE FEDERAL TRADE COMMISSION ( FTC ). If they can take the credit history off unlawfully, they should be able to put the credit history back on- AND I WANT THE XXXX XXXX ACCOUNT FROM XXXX ADDED BACK ONTO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report immediately. 

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: Student loan

I have returned to complete my XXXX  after being away for XXXX  years. I am in the final requirements of my degree which are all XXXX credit hours and paying for the out of my own pocket. This semester my cost was close to {$7000.00}. I have contacted Sallie Mae a number of times and they can not give me a deferment because with XXXX credits I do not meet the requirement for XXXX time ( with credit hours ) to get a deferment. I am about to default with Sallie Mae. I am not sure what else I can do at this time. 

More details on me below : Long-time XXXX  XXXX XXXX  and part-time XXXX  student XXXX XXXX was denied a student loan deferral and stuck with huge ongoing bills due to bad policies of at Sallie Mae. Where are students supposed to turn when the system fails them, with bills that they cant avoid if they want an education come past due? Another example of the mounting student loan crisis in America. 

XXXX XXXX has been teaching music for over two decades in XXXX  when he decided to return to school to complete the final stages of his XXXX  program in XXXX. After taking a XXXX-year hiatus for personal and financial reasons, it came time to finally return and complete the last few, but rigorous, academic requirements prior to completing his dissertation. With mounting costs from his prior degrees, he applied for a loan deferral while he was taking the new classes so he could focus on his studies. 

With all his course work completed in XXXX, the final requirements at this point of his program are courses that are XXXX credits and are listed as pass/fail. While these requirements have no credits, they still come at the financial cost associated with classes. 

According to Sallie Mae, XXXX credit courses students are not considered " half-time attendance in school. XXXX XXXX, like many Americans, has multiple jobs outside of the school where he works, just to pay his current student loans. This lack of a deferment carries with it severe consequences and is key for him to complete his degree. 

XXXX XXXX was informed that Sallie Mae does not have a plan for students in this situation. This means it makes it almost impossible for students like him, during the final stages of their programs and already dealing with thousands of dollars of student loan debt, to get over the last hurdle to complete their education without defaulting on their loans. 

Attention must be brought to the situation for people like XXXX XXXX. With the loan forgiveness programs now frozen, and debt weighing down on students, how can he get out of the financial hole if Sallie Mae and other private lenders dont help? 

If youre interested in talking to XXXX XXXX, hes very interested in talking with you. You can reach him at XXXX.
Product: Money transfer, virtual currency, or money service

My Coinbase account got hacked and someone sold and withdrew all my cryptos on XX/XX/XXXX but Coinbase takes no actions or responsibility and no helping me to recover the money at all. They told me it is my fault that the account got hacked after their investigate even though I told them to send me proof it is my side but they refused to. As of today the value of my lost goes up to almost {$70000.00} and Coinbase cut off all contacts with me when i try to submit a complaint or get in touch with someone. But when I tried to withdrew the rest of my money they made me go through so many verifications step to identify my identity and restricted or blocked my account even after I sent them all my documents which I understand for security purpose but when a hacker got into my account there was no notification or alert and they let them withdrew the money out to a foreign account that not link to my account so easily. Either someone from Coinbase leaked my information or there security system are not secure enough to protect a client like me that lead to this incident. Now all I want is to get all my life saving back but no one helping me
Product: Credit reporting or other personal consumer reports

The account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On TransUnion the date of last activity is ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ). If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to XXXX, Experian, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified but the incorrect information has not been updated.
Product: Mortgage

MY ESCROW ACCOUNT IS ALWAYS AT A LOSS WHICH INCREASE MY MORTGAGE PAYMENTS. I CALL TO FIND OUT WHY AND THEY TELL ME THAT MY TAXES INCREASE, I ASK SO MY TAXES ARE INCLUDED IN MY PAYMENT EVERY YEAR WHY IS MY ESCROW ACCOUNT AT A LOSS? I CANT GET A CORRECT ANSWER FROM SELECT PORTFOLIO SERVICES. THAT IS THE NAME OF THE COMPANY I SENT MY PAYMENTS TOO. IF I COULD GET SOME HELP AND INTO FINDING WHY IS MY ESCROW ACCOUNT AT A LOSS FOR THE LAST 5 YEARS WOULD APPRECIATED. DO YOU THINK I SHOULD GET A MORTGAGE LAWYER? 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Mortgage

In the third week of XX/XX/XXXX, I applied for an Equity Investment Agreement loan with Point Digital Finance Inc. I was provided an Option Agreement Estimate based on the company 's Original Agreed Value of my property at {$370000.00} with a equity pay out amount of {$88000.00} prior to closing costs pending an appraisal. Point 's automated valuation models ( AVM ) listed an Appraised Value of {$450000.00}. The property was appraised XX/XX/XXXX. After multiple attempts to inquire on the delay of the appraisal results, the appraisal was submitted to Point on XX/XX/XXXX. The appraisal came back considerably lower than the initial valuation at {$360000.00}. I was informed by Point representative, XXXX XXXX, via email that Point offered the appraiser ( 7 ) seven additional comparable properties in my area for inclusion to the appraisal report to increase my property valuation. The Point representative, XXXX XXXX, informed me the appraiser rejected Point 's request and therefore my application was declined. I acquired another third party appraisal because the initial one was so delayed. I inquired why they did not acquire a second appraisal? I was given no reply. I felt, based on comments by the Point appointed appraiser when on our property, that she may have a XXXX bias and submit a lowball appraisal of our property. I desired to have a comparison valuation to see if my suspicions were valid. A complete and comprehensive appraisal completed XX/XX/XXXX by XXXX XXXX XXXX showed our property value assessed via AVM at {$480000.00}. And that was based on the County Assessor 's square footage of 1215 and not the full 1882 square foot as specified in the Point appraiser 's calculations. A XXXX representative, XXXX XXXX, also performed a detailed onsite inspection and confirmed the property 's value was easily near XXXX XXXX in value. The appraisal completed by the Point contracted XXXX excluded 2 comparable home sales directly across the street from our property whose sales took place within the last 6-7 months. I informed XXXX XXXX of Point of this. I feel the appraiser concentrated her comparable properties to areas that reflect lower sales prices and a XXXX and XXXX demographic as opposed to including properties within a 1-3 mile radius of our property that reflect a higher XXXX demographic and much higher home values/sales. I also feel the Point 's appraiser 's use of the Cost Approach and the replacement value did not reflect the current market rates for construction materials, construction fees, etc. and was severely under valued and a poor reflection of our property and the improvements made therein. I also hold Point culpable, since they refused to perform a second appraisal and denied my application even though they obviously disagreed with the results of the appraisal report they originally contracted for.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that there is a record of one late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see the screenshot attached.
Product: Credit card or prepaid card

Received a letter via the USPS enclosing a customer service evaluation tool ( CSET ) Since I write reviews for products I thought it was a different assignment, although very different. I was old to go to three stores and purchase {$2500.00} in XXXX gift cards ... .then send them via text the codes on the cards after writing reviews about my assignments, which I did. I then received another assignment but did not start it as I waiting for my check to cash for the {$2500.00} in gift cards. IT did not cash even though it was deposited without a problem at the bank. It was a bogus check. I immediately reported this to American Express on XX/XX/2020. They told me not to worry as this would be credited and I would not have to pay for the charges ; they sent me another card. Received another call from American Express on XX/XX/XXXX stating that the charges on my American Express card had been reversed and there would be no charges on my account. Today I received a notification that the charges would be reversed and would be charged to my American Express Card in the amount of {$2500.00}. 
I am XXXX years old, very very stressed over this scam. Not sure what to do or where to report this. 
The number given me by the Customer Service Evaluation Tool was XXXX and the name signed was XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A late payment is reporting on my credit report for XX/XX/2024 that is inaccurate I have never been late and the reporting status is obviously incorrect and that is a violation of The Fair Credit Reporting Act for all the inaccurate reporting.I reached out to XXXX XXXX XXXX and one of the representatives made aware to me that they do not have have a 30 day late payment for XX/XX/2024. I will be providing supporting documents supporting the inaccurate reporting. 15 USC 1681A late payments and inaccurate late payments is illegal and this account is obviously inaccurate. 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law of the posted late payment and I was never notified. ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit and I was never notified about any XX/XX/2024 late payment. I credited the transaction with my credit card/social security card . The late payment is in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. Thanks kindly
Product: Mortgage

Our mortgage servicer, Movement Mortgage, completed our escrow analysis and is charging a cushion of almost 4 months. There analysis is not annualized it is based on the next payment out of the account, so by the end of the analysis year we have {$3200.00} in our escrow account, charging {$2300.00} more then they should. After reading all of the rules, it does state they can charge a 2 month escrow cushion, however they are supposed to use the whole year in the analysis. What they did, was make it so that when they pay the taxes in XXXX they have a cushion of {$830.00}, not analyze the year, which I believe they can not do, per the rules of the escrow. I called two times, the first person I spoke with was confused and could not explain why they are stating we were {$3000.00} short. She stated she would have someone call back, but they did not call back. Spoke to someone today, and she stated they can charge a cushion of 2 months mortgage payment, which they can not. She would not let me talk to the escrow department and she tried to escalate the call to a supervisor but they would not take my call. Although, we are a month ahead on the mortgage, going from {$1600.00} a month to {$1900.00} a month is a huge increase and with the increase in cost of living and no increase in income, this should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have all obtained my non public Identifying information through fraud & identity theft. I have never contracted with any of these companies. This also serves as notice for all of the credit reporting agencies to list a few but not limited to XXXX, Equifax, & XXXX. Please remove these fraudulent account or be held liable for willful breaking of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from XXXX XXXX with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called XXXX XXXX immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted XXXX XXXX to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. XXXX XXXX refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with XXXX XXXX and it has always been paid as agreed. XXXX XXXX should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important to me.
Product: Credit reporting or other personal consumer reports

The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. 

XXXX XXXX XXXX paid after charge off yet the current status shoes " collections and charge off '' That is inaccurate. It is not in collections and paid in full. 
XXXX XXXX XXXX was as a result of fraud and not mine.
Product: Mortgage

I have a mortgage with XXXX XXXX XXXX  that is being serviced by Dovenmuehle Mortgage. Every month I pay my loan on line. This month the system will not let me in. When I called they forwarded me to the web team. They stated that there has been some issues and had me try several different addresses with no luck in getting in. They then asked me to try later, which I did and I can still not access my account. So for me to pay I have to do a pay by phone and they are not willing to waive the phone payment fee. 
This is a deceptive practice and they are forcing me to pay a fee that I should not be charged.
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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : 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

I am writing to urgently address a critical issue regarding my credit report. Recently, the Social Security Administration announced that every American 's Social Security number has been compromised due to a hacking incident. Since this announcement, I have discovered that my credit report is entirely false, containing numerous inaccuracies related to credit cards, loans, and other financial accounts.

The entirety of my credit report is incorrect and does not reflect my actual financial history. This situation has caused me immense distress, including significant XXXX, XXXX, and financial XXXX. I can not overstate the urgency of this matter.

I demand that you conduct an immediate review and wipe my credit report clear of all false information associated with my Social Security number. Furthermore, I instruct you not to add any new information to my credit report until you have contacted me first to verify its accuracy. If I do not confirm that the information is accurate, it must not be added to my credit report.

For your reference, I have attached a letter from the Social Security Administration confirming this breach.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response.