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

XXXX, XXXX and Experian all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. 

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. 

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than XXXX XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. 

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. 

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS : Accounts : XXXX XXXX  Account number XXXX Date Opened - XX/XX/2016 Account Type - Personal Loan   Balance - {$9300.00}. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX PLEASE REMOVE THE LISTED ACCOUNTS AND BLOCK FROM FROM CREDIT REPORT. ACCOUNTS ARE FRAUDULENT AND UNVERIFIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian/Clarity/XXXX  on XX/XX/21 has XXXX XXXX viewed under soft Inquiries in which it does not make sense nor justified to why so many in one day I have also filed a US attorney complaint to the issue as the DOJ on Experian/ Clarity/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # 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: Checking or savings account

In XXXX of 2022 Chase Bank closed my 3 accounts with no explanation. In doing so they had promised to send me my balances in the mail within 30 days. It is now 6months later I still do not know why my accounts were closed and I have not received my money back. Please note on the documents I am sending where it states " OTHER WITHDRAWALS '' is the balances they supposedly they were sending to me. XXXX ending XXXX {$210.00} XXXX ending XXXX {$190.00} XXXX ending XXXX {$350.00} total {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took well over 90 days and i still have not gotten a response back for these accounts. 

1 ) XXXX XXXX ACCOUNT # XXXX 2 ) XXXX XXXX XXXX XXXX - ACCOUNT # XXXX 3 ) XXXX XXXX XXXX ACCOUNT # XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. This inaccuracy is causing me significant financial distress and need immediate attention. I kindly request that you investigate and, if necessary, remove this item from my credit report. 

XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I ATTEMPTED TO ADD MONEY TO MY EXISTING PAYPAL ACCOUNT USING AN OLD CARD THAT WAS PREVIOUSLY ASSOCIATED WITH MY NAME. AFTER FINDING OUT PAYPAL SOLD MY ACCOUNT UNAUTHORIZED- THEY ARE REFUSING TO SEND MONEY BACK. I have no contract with any third party- the transaction clearly stated they were meant for PayPal , if we are no longer in a contract I have asked them to return what was sent to them in error. They refuse ....
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I paid the last loan balance to Oportun ( Oportun/XXXX ACH XXXX Tel ID : XXXXACH debit {$110.00} ) and I also paid ( Oportun/XXXX ach XXXX TEL ID : XXXX ACH debit {$42.00} ) for the new loan of {$500.00}, the situation is that they, Oportun are calling the people that they asked me as a references to tell them that I owe money to Oportun and that they had not being able to contact me. That's not true because Oportun has my two phone numbers and even they can call me or text me to me, but Oportun never called me or sent me a text message telling me that I'm late with payments. The only call I received from them was in the month of XX/XX/XXXX, asking if I know XXXX XXXX, because he was applying for a loan with them. First of all, it is all a lie that Oportun is telling it to my references friends, that I have late payments and that they have not been able to contact me, especially I do not have any problem with making payments to them and my checking account shows that they collected the money and that's fine, now XXXX XXXX XXXX told me that it was a confusion and that they will try to fix the problem, all this happened, today XX/XX/XXXX, in an hour later I received a called from XXXX XXXX, my friend, that Oportun called him because they are trying to contact me and that they have not had any success in reached me, so I called Oportun again and let my friend listen the conversation, and he found out how bad Oportun is doing with me, again the guy from Oportun said everything was fine. Those calls that Oportun is doing to my friends is putting me in a bad situation with them and this harassment is giving me so many headaches. I would like to be able to bring a legal action against them, but I do not know what my rights are that I have. So Im demanding that Oportun, pay me for the loss or waste of my time, the damages and prejudices that Oportun had having brought against me. Please, help me with this matters, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Mortgage

My loan was sold by XXXX XXXX to Freedom Mortgage on or about XXXX XX/XX/2019. During that time I made my payment to XXXX XXXX and Freedom Mortgage helped me with setting up my new payments to them. Little did I know that my mortgage would be charged twice that month. Tomorrow will be my 6th phone call to both servicers. 

XXXX sent my first XX/XX/XXXXPayment to Freedom. Freedom sent it back to XXXX. XXXX doesn't know anything about the {$3000.00} mortgage payment that was refunded. The money has not come back to me. 

I have called Freedom Mortgage repeatedly to find this money and each time I have received no valuable response. It was recommended I request escalation to a supervisor. I did this. Nothing happened. I was promised a call back the next day. Two weeks later, no call has materialized. I told them I needed my second payment back to buy food for my household. Nobody cares. They said they second mortgage payment would be back in a week. That was one month ago. 

The png and pdf files I have attached have been provided to both Freedom and XXXX.
Product: Vehicle loan or lease

Back in XXXX of XXXX, I was in a car accident that was not any fault of my own, but it totaled my XXXX XXXX XXXX. I was financed with huntingon bank, I immediately called insurance got a claim started that night - insurance and gap got started paying it off and started communications with Huntington bank to get the card fully paid off, in the mean time, I had to finalize my divorce and was changing jobs - but was able to go get a new lease for a lower payment on another XXXX. Insurance and gap and I were all communicating, along with Huntington to ensure it was all paid off. From what I understood gap was covering the rest of the finances amount, so it was all to be paid off. Well I got a call from Huntington about a balance, I called insurance and gap and they said they would communicate with them to get it paid and for me not to worry about it. 

Well then I get a 30 day report showing from them on my credit for {$450.00} - meanwhile Im a newly divorced single mother trying to sell my house and get a new home that is within the mile distance allowed from my ex husband. That tanked my credit and put me under qualifying. I called them to see what happened and they said gap had sent in the payment late but it didnt cover {$450.00}, and then they told me as of the day i called, XX/XX/XXXX i believe, that I was 60 days late. 

Now I know {$450.00} doesnt sound like a lot But when you are newly divorced, now make $ XXXX and not your salary you were used to AND youre having to move, and a mom paying expenses for kids - {$450.00} is a lot. 
I asked to do a payment plan, or have a rewrite - they denied me and started having condescending tones asking me what changed and why couldnt I pay all the sudden, and that gap had not covered it for the total loss car for this amount and it was left to me. They told me I could make small payments, but they would consistently report me late. 
I let them know I wasnt even aware this was a balance left, & gap & insurance told me stop communicating with them because they were handling it. 
I ended up having to pull favors from friends to rally the money to pay them and begged them not to report me 60 days late. 


******I asked since I wasnt aware could it be removed from my credit for the delinquency - they were making or breaking me being able to move where I am supposed to near my ex husband- they wouldnt budge, wouldnt even discuss the idea. But how can I be penalized for something I thought was handled and then still gathered the funds to handle it anyways? 
I do not understand - ****all I want is the delinquency removed from my credit - Ive paid them, I just want the delinquency removed. I need my credit to be clear of that to be able to get my obligations on track, I have an amazing credit history - my only issue is high credit card balances because Im a broke single mom.
Product: Credit reporting

I only allowed XXXX authorization to pull hard inquiry, not XXXX or XXXX. Please remove these XXXX inquiries.
Product: Mortgage

we have had 2 medical hardships that have caused us to fall behind on our mortgage. we've been trying to work through this. we keep requesting mortgage assistance from Select portfolio servicing they deny us every time with a very broad reason. we offered to make a large lump sum payment and then make payments to sps but they declined stating they can not accept any payments. they sent us a repayment plan which doubled our mortgage to XXXX per month for 12 months then they have a huge balloon payment at the end of the 12 months. sps switched our loan counselors every month,
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX2021. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Product: Checking or savings account

Subject : Appreciation for Resolving Unrecognized Charges on My Account Dear JP Morgan Chase Team, I hope this message finds you well.

I am writing to express my sincere gratitude for the exceptional support and cooperation I received from your team in resolving the unrecognized charges on my account. After speaking with several representatives and engaging with the necessary departments, I am pleased to confirm that the issue has been fully resolved. The process of disputing the unauthorized transactions has been successfully facilitated to the fullest extent of the law under 18 U.S.C. 1344. 

In particular, I would like to acknowledge the efforts of the Customer Claims Department, who provided invaluable assistance throughout this process. Your professionalism and dedication have been instrumental in achieving this resolution. 

Customer Claims Department Mail Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I would also like to extend my thanks to XXXX XXXX XXXX for their support in this matter. Your collective efforts have ensured that my concerns were addressed promptly and effectively. 

Once again, thank you for your unwavering commitment to customer satisfaction. I truly appreciate the cooperation and diligence demonstrated by your team. 

With gratitude, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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: Credit reporting

I get a message that Equifax is unable to deliver my credit report on line. I have used the same e-mail address for 20 years. This began 3 years ago. I do not want to mail in my request. When I call, I give the VERY SAME information I in-put on the computer. I believe I am being denied my legal right to receive my credit report on-line after submitting the proper information required. I am very unhappy with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give this company permission to view my consumer report. 

EXETER FINANCE XXXX XX/XX/2021
Product: Mortgage

My husband and I purchased our home in XX/XX/XXXX where the financing we were offered was a first mortgage at 80 % and a second mortgage at 20 % thru XXXX XXXX XXXX  XXXX where those terms were set forth with an adjustable rate on both mortgages. The second mortgage we believe was assigned to a new servicer around XX/XX/XXXX however, we did not receive any new payment information and/or documentation related to a new servicer and our payments were never auto-deducted as previously setup. XXXX rolls around and we run into some financial difficulties where we applied for a mortgage modification thru our first mortgage servicer and believe somehow they wrapped that second mortgage into the modification thru XXXX XXXX XXXX but we did not and have not receive any documents related to that modification. We have made attempts to obtain a copy of all the documents related to the modification and both mortgages in general. Without hiring Counsel at this point we are trying to decipher how our first mortgage which had an original balance of {$86000.00} is now showing an outstanding principal balance of {$140000.00} and our second mortgage which had an original balance of {$21000.00} is now showing an outstanding principal balance of {$47000.00} and the amount listed on the Notice of Mortgage Foreclosure Sale is showing claimed amount due of {$61000.00}. The Sheriff 's Sale took place XX/XX/XXXX but we have now received a letter from Specialized Loan Servicing that the second mortgage has been assigned to XXXX XXXX XXXX as of XX/XX/XXXX. XXXX XXXX Management does not have a website and I believe this is another step SLS is taking to further prohibit us from obtaining documentation related to the mortgage as we seek resolution.
Product: Mortgage

I was approved for a modification, I went through the trial period, paid accordingly for XXXX then in XXXX I attempted to make my payment by the same method and was not able to. During this time I concurrently applied for a GA  Homeowners Asstance Funds Application per my Servicer. 

I later learned 45 days into the process that this program is subject of an investigation due to some fraudulent activities within the project itself. 

I received conflicting information from several relationship managers on which avenue would be most beneficial in correcting my default due to covid and the subsequent forbearance exercises. 

I have sent in many documents proving my income, proving my SS. When the forbearance period ended I made all payments up to date until XXXX, until I was informed I could not make any further payment and that my account was refered to a lawyer. 

When checking my documents I could call on a Friday and then on Several Days Later, I am asked for more documents. It was under lots of stress, so I reached out to my Congressman on NC and GA. 

In addition to the aforementioned, during the years of XXXX  to present, my daughter was battling a very serious bought of XXXX XXXX, and at that time she was undergoing XXXX and subsequebtly preparing for XXXX for removal of a XXXX XXXX. 

I did my best to manage all of the issues I was goung through during those years. 


Concurrently, I also have a brother that is a XXXX XXXX, and was battling a reccurance and also dealing with a XXXX XXXX XXXX that left him XXXX partially, and unable to perform duties as he did before the onset of the XXXX XXXX. 

A relationship managers has asked if I can catch up with my payments, in which I stated yes am able and have been prepared for this. 

I was traveling back and forth between my brothers home of XXXX XXXX and my residence in XXXX to ensure that both of my family members were getting proper care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$260.00} XXXX XXXX  # XXXX {$3500.00} XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX # XXXX {$75.00} XXXX XXXX  # XXXX {$380.00} XXXX XXXX XXXX XXXX # XXXX {$7100.00} XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.
Product: Checking or savings account

In XX/XX/2020, my debit card was stolen and I reported to Bank of America immediately after. I was informed by Bank of America that I had given the pin number to my debit card to someone, but this is false. I have never given my pin number to a friend, family member, stranger, etc. I asked to speak to the supervisor and to the general manager of the Bank of America branch where I conduct my banking and these requests were refused. Due to the theft I experienced, approximately {$12000.00} was stolen from my checking account. Bank of America refuses to reimburse me for the {$12000.00} that was stolen. I called the police as instructed by Bank of America and I provided the NCC number and these efforts were not successful as well. 

Due to the deplorable actions of Bank of America, I fell behind in my rent and was no longer able to afford my car. 

All supporting documents will be provided as requested. Many thanks for your assistance!