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

My Fianc and I were both named on an illegal collection attempt by XXXX XXXX XXXX on behalf of XXXX XXXX. This is an attempt to collect an invalid debt, originally requested by XXXX XXXX ( Not XXXX XXXX, as reported on our credit reports ) in the amount of {$570.00} for various fees and alleged damages to a rental unit. 

As is standard by Nebraska Tenant Law, specifically Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421.

We had paid a {$500.00} Pet Fee ( non-refundable ) and a {$500.00} security deposit for this apartment. 

The {$570.00} was claimed owed in excess of the security deposit. 

No receipts were ever provided by the original leasor after repeated attempts to get this information from XXXX XXXX. According to Nebraska Law, money withheld from rent and security must be applied to the amount of damages the Landlord suffered, but no proof of such suffering was ever provided, as was our legal right. 

This has already been removed from both of our XXXX reports, my fianc 's XXXX Report ( Mine is still under review, but it is the same debt and the same justification ), but yet, Equifax has deemed that the debt is valid, despite the illegalities stated above with the debt collection itself and the original justification for the debt. 

This debt is not legal, this debt is not valid under Nebraska Law. If it was valid, they would have simply taken us to court for the sum. Instead, they threaten our credit and submit our debt to Equifax AFTER our disputes with XXXX and XXXX were opened, in a clear case of retaliation. 

If two credit unions ( XXXX and XXXX ) have already deemed this justification sufficient and removed the accounts from the credit reports, why then does Equifax see differently? 

No justification was provided from XXXX XXXX XXXX at any point when we requested, via certified mail, documentation for proof of debt. XXXX XXXX XXXX responded to this request but failed to provide ANY documentation. We have a legal right to obtain such documentation. They have continually failed to submit accurate information ( in the case of the original alleged debtor name, XXXX XXXX, not XXXX XXXX ), have not obeyed the Fair Debt Collection Practices Act by failing to provide us with the documentation and proof of debt requested. This debt is not legal under Nebraska Law and they have failed to follow the law in regards to the information we have requested.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies in violation of my privacy and unlawfully using my consumer transactions against me. Federal law prohibits the sharing of my private transactions, unless permitted through writing, by me, the consumer, which I have NEVER given either of them permission to even create a consumer report pertaining to me. Pursuant to 15 USC 1692b & 15 USC 1692c ( b-c ), all activities being reported are illegal. If reporting continues, I will exercise my right pursuant to 15 USC 1681 ( N ).

I am being restricted of trading and contracting due to the unlawful reporting and sharing of my personal consumer information. Restrictions to my securities and my inalienable birthright, as a fully capable adult who has full capacity to contract, has been extremely damaging to my mental, physical and spiritual health.
Product: Student loan

Dear Consumer Financial Protection Bureau, CFPB My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments and they ; FedLoan Servicing never responded as follows : 12 DIRECT SUB CONSOLIDATION LOAN {$27000.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58000.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX As of XX/XX/XXXX I have 68 eligible counts. I understand that I must certify my employment and will have that completed by the end of the month however the 15 missing payments listed above have not been included in the eligible counts. Also missing are 8 payments listed below that was not included in my eligible count. I should have a total of 91 eligible counts as of XX/XX/XXXX. I am requesting a manual review to have counts reflected accurately. 
Payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been included in the eligible count however the 6 remaining havent and payments XX/XX/XXXX and XX/XX/XXXX should be applied to two loans making it 4 counts with the other 4 payment totaling 8. 
I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed. 
Sincerely XXXX XXXX
Product: Prepaid card

I got an American Express Gift card as a gift that was bought at target on XX/XX/XXXX to buy some groceries but the card has declined at all places Ive tried. I tried buying in XXXX, XXXX, and XXXX both online and in store with amounts lower than the balance in it, as well as XXXX exclusively online and at gas stations which I do know is listed as a place where it might decline. I tried adding the balance to my XXXX and XXXX to circumvent the restrictions but they declined there as well and when Ive called and checked the balance online they say the whole XXXX dollars are still there and I should try a different store that accepts American Express, but all these stores supposedly accept American Express and its frustrating how they wont tell me what stores I can use it in if those wont take it.
Product: Mortgage

About four years ago my wife and I filled for chapter XXXX bankruptcy. This mortgage collection company took over our mortgage, specifically called Fay servicing out of XXXX Texas. They have made it almost impossible to work with them. They wo n't take our payment unless we call them and set it up each month. They seem to have trouble keeping track of payments made. Always saying we owe them money, when in fact we do n't, we have to keep showing them our bank statements that they collect the money them selves. Our bankruptcy attorney has to alway contact then, so they can talk to us over the phone. They keep adding bogus charges to our account, then they wo n't discuss the reasons why they are charging us. Now for two months they wo n't take our payments. Because they say we owe them {$2000.00} for some unknown charges they conjured up again. We checked the reviews online and everyone dealing with this company has troubles with them.
Product: Mortgage

I had to make a decision to get my house refinanced due to the unexpected death of my mother 3 months ago. Freedom Mortgage has been my mortgage company for 3 years since I have bought my house and I am finding out the hard way that this is the worst company ever to gone through especially with the state of mind I am at right now. My mother dying 3 months ago forcefully made me have to get my house refinanced to help me out financially because I would had not refinanced my house with just 3 years of being in it. It is been over 3 months now and all I am doing is a consolidation loan not an overly large amount either ... today I am still waiting ... ..the stress of the company because of thier incompetence has almost put me into the hospital. I am still grieving my mom and having to deal with this for over 3 months to be approved because people do not know what they are doing is unacceptable and unprofessional. I was told yesterday my funds would be released again thinking this is finally over with and I just found out they are not. So here again I have to call Freedom Mortgage again and deal with them. This has been a very bad nightmare for me on top of me losing my mom. I have had XXXX aunts that started the same time I did with XXXX XXXX and they have been approved and already received thier funds and closed on their houses. Here it is 3 months and I am still waiting. I would have went somewhere else but I had already invested months of my time into them and was told my file was going back for review going back for review and everything was ok and then something else came back then come to find the underwriter did n't know what she was doing and nobody is on the same page either. I have not talked to XXXX different people since this has started. I finally got approved a couple of weeks ago, which from anyone I talk too even the notary that came to my house said nobody should have to wait 3 months to get thier house refinanced. As if today because an error again on someone 's part from Freedom Mortgage I still have not had my funds released to me to pay off my lenders, which I was told 24 hours and now it will not be 24 hours. I need to bring the company to someone 's attention due to thier negliegence, incompetence and unprofessionalism on thier part. The only reason I even went with them is because they have been my mortgage company for the last 3 years ... ..big big mistake!!!! If you have the opportunity to go through another company do it! I do n't want anyone else to have to go through emotionally what they have put me through!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from Us Auto of XXXX SC. A week after having it, I had to have the engine replaced because they forgot to put oil in the engine or failed to check it. I have not missed any payments on it and I take care of it. Fast forward to today, when I was notified by all three credit bureaus that my Us Auto Loan have jumped from XXXX to XXXX yes you read that correctly! Shortly after being notified of this I received a call from our interning mortgagee fianc company that they had checked my credit reports today and seen this change and can not approve my mortgage request ( mistake or not ) until it is resolved and US Auto takes written responsibility of it! I am devastated, I have spent the last year working out of state to help displaced families have housing. I have been away from my own family, put myself in harms way fighting COvid 19 and stayed working so I could save every penny and put myself in position to be able to buy my first home and this happens? I called US Auto Sales only to be told that they only report every month and that it wont be fixed until XXXX. I asked to speak to higher ups and been told I cant. I was laughed at by one rep who said yeah well your XXXX is definitely not worth XXXX! 
I dont know what to do or who to turn to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX Dear Transunion CEO, Manager or Supervisor Re : Failure to Enter Required Notice of Dispute I am formally requesting that the following inaccurate information be removed due to violations of the Fair Credit Reporting Act FCRA ). 
Under Section 623 ( a ) ( 3 ), if a consumer notifies a furnisher of a dispute regarding the completeness or accuracy of information, the furnisher is prohibited from reporting this information to a consumer reporting agency ( CRA ) without providing notice of the dispute. 
Additionally, when a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of reported information, the furnisher is required to : 1. Conduct an Investigation : Review all relevant information provided by the CRA and the consumer. ( Sections 623 ( b ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( B ) 2. Report Investigation Results : Notify the CRA of the results and, if the information is incomplete or inaccurate, notify all CRAs to which the furnisher reported the information. 
( Sections 623 ( b ) ( 1 ) ( C ) ) 3. Complete the Investigation Promptly : Resolve the dispute within 30 days ( or 45 days if additional relevant information is provided ). ( Section 623 ( b ) ( 2 ) ) 4. Modify, Delete, or Block Information : Promptly correct or remove inaccurate information. 
( Section 623 ( b ) ( 1 ) ( E ) ) Failure to comply with these procedures constitutes a negligent or willful violation of the FCRA. I reserve the right to seek legal action for violations under Sections 611 ( a ), 616, and 617 of the FCRA ( 15 U.S.C. 1681i ( a ), 1681n, and 1681o ). Relevant case law, such as XXXX XXXX Trans Union XXXX ( XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX ) and XXXX XXXX Trans Union XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), supports this right. 
I recently disputed the following inaccurate information with you. Upon reviewing my updated credit report on the XXXX  day after you received my initial dispute letter, I found that the required notice of dispute was not present. This is a clear violation of FCRA 623 ( a ) ( 3 ), and this information can not legally be reported. 
Disputed Accounts : XXXX XXXX XXXX XXXX XXXXXXXX account I sent certified mail in XXXX included ftc and police report with a attached company of XXXX investigation, stating I am not responsible and I can use the email as proof to give to all 3 credit bureaus. 
I demand the immediate removal of the above-referenced accounts from my credit report. 
Additionally, I expect written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting the removal, within 15 days of the date of this letter. Failure to comply with these requirements will leave me no choice but to pursue further legal remedies. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

dispute # 1 : There is an inquiry on my Equifax credit report from XXXX home furniture inquiry date XXXX. I did not inquire anything from XXXX this was done fraudulently against my knowledge and my consent I did not sign for any of this Dispute # 2 : XXXX  inquiry date XXXX XXXX XXXX XXXX XXXX. This inquiry also is fraudulent as I did not inquire anything from XXXX XXXX XXXX this was done fraudulently against my knowledge and consent I did not sign for this this has already been removed from my XXXX consumer report deleted from my XXXX consumer report
Product: Debt collection

XXXX XXXX with American Express is continuously calling my phone all throughout the day with collection calls. I have asked him to stop calling and advised him to contact my authorized representative and he continuously calls and leaves messages.
Product: Credit card or prepaid card

The company will not allow web site access to check balance and transactions until new e-disclosure agreement is accepted.

The company also writes " You won't be able to come back to this page to make changes, so make sure everything looks OK before choosing " Next. '' '' In part of agreement the company indicates it may charge for paper copies of tax forms.

To disagree with that or other portions of the agreement the customer must reject the entire agreement and be unable to access balance and transactions electronically.

Denying consumers electronic access in these ways is unacceptable in light of rampant data theft that affects all consumers, who must be able to easily review accounts.
Product: Mortgage

This is my second complaint on Lender Live. After my first complaint here, Lender Live sold my loan and have failed to send me proper notification. It is now XX/XX/XXXX and I still have no idea who to pay, who my new mortgage company is or any info on my new account. All I know is when I attempted to pay Lender Live on XX/XX/XXXX, I was denied access to my account and was unable to pay. So I then called Lender Live and was told they sold it. After being put on hold for 20 minutes I was seemingly intentionally hung up on. " XXXX '' was the Lender Live " manager '' that I last spoke to after she contacted me concerning my first complaint and so that is who I requested to speak to before I was hung up on. I even left a message for a return call from a manager and once again it went ignored. Lender Live is completely and totally a mismanaged, devious company and their customer service is totally unacceptable. I need to know who my new mortgage company is and how to pay. There needs to be some way to verify who I am paying as well. " XXXX '' needs to call me ASAP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed Experian 9 different credit disputes on XX/XX/2022 on XX/XX/2022 they emailed me that the investigation had been completed. 
Experian never Investigated nor did they forward the disputes to the vendors involved. 
Experian seems to think it's above Federal law.
Product: Vehicle loan or lease

I have requested information from BMO countless times and all information BMO has provided to me has been incorrect and false. I am still not able to make payments as all checks have been sent back to me with a notice stating account can not be located. The contact numbers provided are not correct as any of BMOs associates are not able to locate me still. I have now been told that the only way to pay is by cash or cashiers check. 
BMO is impacting my finances!

I have been to a dealership to see what they can do. The dealership did request a payoff amount but the amount the dealership shows is somewhat different to what BMO shows by a substantial amount!

I dont trust that BMO is being honest and are in compliance with the law.
Product: Checking or savings account

Thos is the 2ed time my.account has been froze first time was XXXX. Or XXXX. 2023. And 2ed time since mid. XXXX. I have contacted citibank numerous times and their fraud department. I can't get any answers all I was told is my account is being closed and I will receive a letter. They have my money and I would like it back plus a fee. I did nothing to cause this. My entire identity has been stolen. I have been treated like a criminal by citi bank and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic Credco is not abiding by the permissible provision of the Fair Credit Reporting Act. CoreLogic Credco hard inquiry does not demonstrate Factual Data pursuant to the act CoreLogic Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

They will not allow me withdrawal money that i placed in as well as stated i was told a hold which did not occur. They illegal holding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following three credit agencies are reporting Two Bankruptices on my credit report that are in accurate, TransUnion, XXXX  and XXXX  stated that a third party agency XXXX XXXX is reporting it. You can not verify through a third party, that is the fair credit law! I contacted XXXX XXXX, they removed the information that was reporting inaccurate but this is my Third time reporting to the credit bureaus and they REFUSE to remove it!! Its in violation to keep reporting inaccurate information on my credit report! Bankruptcy XX/XX/XXXX # XXXX Bankruptcy XX/XX/XXXX # XXXX! I also have accounts that are inaccurate that are reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX
Product: Student loan

I am now eligible for PSLF due to the limited waiver from XX/XX/XXXX and qualify for forgiveness on the loan that I have paid on successfully for over 15 years while I've been employed by the Federal govt. I had tried to apply prior for loan forgiveness, but was told my loans didn't qualify. I followed the directions for the limited waiver to consolidate my prior loans into a direct loan, which I did on XX/XX/XXXX. Once I received notice that the direct loan was completed on XXXX XXXX, XXXX, I submitted the PSLF application on XXXX XXXX, XXXX. I then get an email XXXX XXXX XXXX, XXXX from Fed Loan Servicing saying I have only made one qualifying payment and in my online account with them it is saying employment not certified. But, to even submit the PSLF form, I had to have my employment certified by my Federal agency, which I did. I called the PSLF number listed on Dept of Ed site, XXXX on Mon. XXXX XXXX, XXXX and was told that I yes, had 1 qualifying payment but the agent could not answer any PSLF questions. I hung up and thought about it more, and wasn't satisfied with that answer so called back again, waited on hold, spoke to an agent who said he could not answer PSLF questions, so he then transferred me to PSLF line and waited on hold again. The agent that handled my call was able to provide more information and was able to determine that my payments were considered prior consolidation payments but there is no way to track that online or know the progress that Dept of Ed is making to review to see if those payments count or not. I then logged into my account on Dept of Ed/XXXX and it's saying that I'm not eligible for PSLF and that I have not been in repayment for at least 10 years and do not yet qualify for PSLF. At this point, I have no idea if I will receive forgiveness or not and who can help.
Product: Money transfers

I used the Western Union app on my IPhone to send {$600.00} from my credit card to my sister 's bank account. The first time I tried to complete the transaction, the app told me that it could not be completed at that time and to try again later. I did and the transaction went through. I was later emailed and told XXXX transactions went throught. I was able to get the second {$600.00} back from my sister, but not the fees. I called their customer service and was told by a floor manager that I could get a refund of {$25.00} by mail and was given a reference number. Later, they emailed me again and said they could n't refund the monty. I have tried a dozen times now to get them to return my fee.
Product: Checking or savings account

Last month, XX/XX/XXXX, my account showed {$350.00}, but it should have showedcat least {$900.00} or close to that amount, when I went to buy furniture it showed {$250.00} just about all year I have kept over {$1000.00} in my account once I received the stimulus paymdnt of {$1200.00}, XXXX was when innoticed the first discrepancy. I contacted the manager but I have not received a call back, then I called the fraud line. I have my checkdeposited monthly bb & t Bank, also I applied for the Covin Loan but???
Product: Credit reporting or other personal consumer reports

Im receiving conflicting credit reports & inaccurate information. The credit reporting agencies report information as accurate & the lender changes the information on my account monthly. Unfair credit reporting!! Today I received 2 conflicting reports from Equifax!
Product: Mortgage

The mortgage company has failed to pay my insurance premium to the insurance company which resulted that I was sent to collection and my policy was cancelled. After they promised to pay it and they did not pay it. After that they are coming to charge me with XXXX of fees due to policy coverages that they should have paid. Just trying to make money from innocent people. They are giving me false information I believe this is due to my accent and that I am not originally from this country
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting on my credit report I don't owe them. I sent both companies Cease and desist letter but Experian keep saying that it's verified or updated each month an now it's showing in collections. XXXX nor XXXX has this information my credit report should be the same across all three reporting agency Experian should delete this