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

I sent a letter to Nelnet letting them know that my school loan was a violation of 34 CFR Part 99, FAMILY EDUCATIONAL RIGHTS & PRIVACY. NELNET has violated my Right to Privacy which they have looked over and continued to report on my credit profile a debt. I told them in XXXX that this debt was discharged. I filed a 1099-C to cancel out the debt, which the IRS accepted on XX/XX/year>. They have yet to update my credit report as amount in full. 

I would also like the CFPB to know that I have done my due diligence and was made aware that when I applied for this school loan, I signed a promissory note. Now on that promissory note, it contained my signature, which gave that note value. The note was processed as a security to be deposited to the treasury for complete payment of the loan. XXXX XXXX XXXX processed that security and was paid from my account. Also, they would trade this security on the secondary market over XXXX times, making trillions off my signature. NELNET is now asking for the amount of XXXX as they are now doubling back to get more money from me, when they were already paid once I signed my signature. Now as an investor I was not compensated my XXXX  % according to Securities Exchange for trading my security on the market as a security now where is my money owed to me. NELNET sends me a statement every month which is a book entry security which is evidence of a bond. Now NELNET wants unlawful money paid to them in Federal Reserve Notes. I can not pay you in FRN 's because that would not settle the debt. However again the debt was paid already by my signature. 

If this loan is not settled for the full amount, I will notify the SECURITIES EXCHANGE as a whistleblower, of how you have stolen my Securities and have not compensated me for them. I will also have to notify the IRS that you have filed a 1099 on me every year. I have filed a 1099-C and the loan is a certificate of indebtness, it can not be reported on your credit because the debt was cancelled. Please update my credit profile to the loan was paid in full and delete all negative marks associated with this account.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>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 Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : 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 

I also noticed that my name appears to be misspelled on my credit report. My name has only XXXX correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXXXXXX XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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

Have been doing this with Experian since last year - I have attached the previous disputes like requested. I have specifically asked that I be sent valid proof that these accounts belong to me. Not a piece of paper that states that it has been updated. I was verifiable proof that each account that I have been disputing is 100 % mine and accurate - If that can not be given in the time frame of the 30 days that are permitted, then each and every account that can not be verified needs to be deleted from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018, I have numerous credit checks placed as " hard credit inquiries '' on my transunion credit file. I have not permitted a large number of these checks on my account. There are approximately 4 of 16 that I authorized. I believe I am victim of the transunion data breach or deletion and re-entering of inquiries. I have sent certified mail to Transunion as well as the companies that placed the inquiries.
Product: Checking or savings account

I have called the company several times, Banco Popular of Puerto Rico due to a returned wire transfer. 
The original amount was for {$1300.00} on XX/XX/XXXX. I was charged a {$50.00} wire transfer fee for the amount. Totaling {$1300.00}. The agent helping me XXXX XXXX XXXX XXXX '' XXXX The bank told me that the information was incorrect so they returned the wire. I spoke with a bank supervisor XXXX XXXX XXXX XXXX XXXX He told me the recieving bank, XXXX XXXX  said the information was incorrect on the wire. so they returned a total of {$1200.00} back into my account. 

There is {$110.00} missing from my account. I was told there was a {$50.00} fee to send the wire. Leaving {$60.00} missing from the account.
Product: Debt collection

I received a letter of debt collection for services in a hospital that was not mine. I tried disputing with the credit bureau reporting the collection but to no avail. I attempted to dispute the debt again with substantiating documents proving that the debt was not mine. Still, I was unable to dispute the data because of the reporting agency 's website error. On XX/XX/2023, I sent both debt collectors validation inquiries and have not received a follow-up. The original letter I received had a name that was not mine and was for a hospital visit I never made. I contacted XXXX to verify that they were not billed or have a claim for a visit, and they concurred that there is no record of a visit utilizing my benefits number. This is greatly and negatively affecting my credit and my job.
Product: Debt collection

I found out through credit check that someone used my name and SSN to open XXXX XXXX XXXX account in XXXX XXXX XXXX I have never had XXXX XXXX XXXX account or never been to Texas. I was contacted by XXXX collection agency and got information listed below regarding fraud. 

XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX None of that information belongs to me. I live in XXXX XXXX, XXXX and always had XXXX  account. I filed police report at XXXX XXXX police XXXX. 

Please advise for next steps to secure my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED A RECENT CREDIT REPORT AND IM STILL FINDING FRAUDULANT ACCOUNTS SHOWING UP ON MY CREDIT REPORT. THESE FRAUDULANT NEGATIVE ACCOUNTS ARE HURTING MY CREDIT PROFILE TREMENDOUSLY AND HINDERING ME FROM APPLYING FOR CREDIT. INACCURATE REPORTING IS ILLEGAL AND I HAVE DISPUTED THIS MULTIPLE TIMES. I WOULD LIKE FOR ALL NEGATIVE FRAUDULANT ACCOUNTS TO BE DELTETED ASAP. I DESERVE 100 % ACCURACY FROM THE XXXX XXXX XXXX NOT A COMPUTER GENERATED OR DATA BREACH REPORTING FROM ANY XXXX. INCLUDED WITH THIS MESSAGE IS MY MOST RECENT CREDIT REPORT FROM XXXX CRA 'S PLEASE LOOK AT THE INACCURACIES AND FRUADULANT ACCOUNT NUMBERS AND HOW THEY ARE REPORTING. AGAIN I KINDLY ASK FOR THESE ACCOUNTS BE DELETED/REMOVE FROM MY CREDIT REPORT AND UPDATE MY NAME TO ONE NAME, ADDRESS, AS SEEN ON MY XXXX ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/, I started receiving emails from what I thought was my real estate agent setting up a time to meet with XXXX XXXX XXXX XXXX XXXX XXXX to sign the closing documents on a house I was trying to purchase. I then received email, from who I thought was XXXX XXXX XXXX but was actually from a fraudulent person, with instructions on where to send the XXXX. On XX/XX/, I wired {$120000.00} around XXXX XXXX XXXX XXXX XXXX ) to the JP Morgan Chase account provided in the wire transfer document. After meeting with XXXX to sign the closing paperwork XXXX XXXX employee stated that the wire information was not XXXX wire information. I rushed to XXXX XXXX to report the fraudulent wire transfer and to find out what can be done to get the {$120000.00} back. XXXX XXXX initiated the wire transfer recall. In addition, to the initial recall request sent by XXXX XXXX, XXXX XXXX has reached out to JP Morgan Chase on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of today, XXXX XXXX XXXX JP Morgan Chase has not responded to any of XXXX XXXX requests. Through XXXX XXXX XXXX XXXX Department, JP Morgan Chase has requested a Hold to Harmless/Indemnity form to JP Morgan Chase , however, XXXX XXXX is stating they can not send the " Hold to Harmless/Indemnity '' form because JP Morgan Chase has not communicated with XXXX XXXX.
Product: Payday loan, title loan, or personal loan

XXXX XXXX rate is outrageous and is more than the 28.59 % the said to be. 

I borrowed {$25000.00} of which they kept {$2000.00} immediately CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX ANNUAL PERCENTAGE RATE They say is 28.59 % FINANCE CHARGE The dollar amount the credit will cost me is {$20000.00} for borrowing {$23000.00} ( they kept {$2000.00} of the original {$25000.00} ) Total payments 59 totaling {$43000.00} = OUTRAGEOUS! 

{$25000.00} -- -- -- -- -- -- Borrowed on XX/XX/XXXX {$23000.00} -- -- -- -- -- -- -- -Received 28.59 % -- -- -- -- -- -- - My interest rate {$720.00} -- -- -- -- -- -- -- Monthly payment To date I have paid 15 payments of XXXX totaling XXXX which of only {$5300.00} is paid toward principal. This is a 5 year loan ending XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Mortgage

During Covid19, XX/XX/XXXX I was approved for a forbearance on the VA loan with Freedom Mortgage. 

I took the forbearance for a 12 month period and at the end of the forbearance I communicated with Freedom Mortgage I was ready to accept the VA partial Covid19 Refund Modification I was eligible for. I received the notification I was eligible in XX/XX/XXXX. It was never mailed to me so I called and found out from an associate I was eligible. She said all I had to do over the phone was to agree that I accept the terms while on the phone and they will send me the final paper work by mail that will need to be notarized. This was beginning XX/XX/XXXX. I called again beginning XXXX of XXXX still not having received final paper work. 

I finally received final paper work end of XXXX XXXX XXXX. Scheduled the notary and met with them. We couldn't do the paper work because it was sent in my XXXX 's name. He died XXXX and I inherited the property that is now my residence since. We called Freedom Mortgage while together and the rep apologized and said they would fix that right away with my name and return the paper work. 

I called once every 3-4 weeks after that and still no progress on the paperwork. The rep I spoke with from Freedom Mortgage said to start paying the new outlined modification mortgage P & I starting XX/XX/XXXX and I should be good to go once the paperwork gets to me. Still no paper for months and me calling once a month asking for a time line. 

Sometime this summer Freedom Mortgage now says after months of no progress they now need to make me successor in interest. asking for all the same paper work I sent them in XXXX of my dad 's death and my court signed paper work that I was his representative. So that also drug out through fall sending them paper work I had already sent them and in XX/XX/XXXX they added one new requirement. My birth certificate showing I was related to me dad. 

Now all this time has passed with me following and submitting everything they have asked for and paying the mortgage they told me to pay per the new modification to the loan to find out my home is now in the starting processes of foreclosure. I was told by Freedom Mortgage that I wouldn't have to pay a lump some for qualifying for the refond modification. 

I have done my part and have listened to the associates each step of the way to secure the final paperwork for the modification of the partial VA and the last minute, we need to confirm me as an successor in interest. 14 months Freedom Mortgage has dropped the ball in communication between departments, and to me, Freedom Mortgage now says the original offer Covid19 modification is withdrawn and another process of setting up a new one will disqualify me having the better interest rate now the have come up. 

They messed this whole scenario up by not following through internally.
Product: Checking or savings account

Bank of America reported fraud on my XXXX report for fraud activity on the account. Please help me correct this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to TD Auto Finance reporting on my credit files. TD is reporting inaccuracies on my files. This account is closed and have been closed for over 2 years, yet TD is reporting this account as open. Also this is a charge off and in the payment status TD is reporting it as Charge off/Collection. According to the Fair Credit Reporting Act this is only supposed to be reported as a charge off and not as a charge off/collection. Another issue is that the amount that is being reported is incorrect. This account is closed and TD recently increase the amount of the charge off which is not accurate and TD can not increase this according to State and Federal Law. Also I want TD comments on this account to be removed from my files. According to the Fair Credit Reporting Act I can have any comments on the accounts on my file remove. Therefore I want all TD comments in the Remark Section to be removed Immediately. To this date I still have not received my  personal properties from TD Auto, and also TD has sent me a letter stating that they were going to reduce the amount by {$400.00} after I filed a complaint through Better Business Bureau. So how is it that TD make this promise and never fulfil their promise. This is another act of deceptive practice by TD Auto. I have to pay over {$1000.00} to replace my belongs that TD Auto, and whoever acted on behalf of TD fail to give me back. Now I contact XXXX so that they can investigate this account, and they are telling me they cant investigate it. Now according to the fair credit reporting Act Credit bureaus are supposed to investigate any information a consumer challenge on their credit files. Now I want TD to fix their errors on my credit Files, and XXXX to fully investigate not partially, but in whole.
Product: Credit reporting or other personal consumer reports

To date, the Infiniti Automobile Leasing Company has incorrectly reported to the credit bureaus that I owe XXXX dollars as a balance on a leased vehicle and has further reported that this matter is current. 

On XX/XX/3017, I XXXX XXXX XXXX XXXX entered into a contract to purchase a XXXX  motor vehicle from the car dealership of XXXX of XXXX XXXX XXXX XXXX, XXXX, California. At that time, the sales personnel agreed to pay the remaining balance owed on a vehicle that I was leasing from Infiniti of XXXX XXXX, XXXX. 
On XX/XX/, I signed an agreement to purchase the new vehicle from Infiniti of XXXX XXXX, contingent on the dealership paying the remaining six-month balance on the vehicle that I was leasing from Infiniti of XXXX XXXX XXXX XXXX. 

As a result of my agreement with Infiniti of XXXX XXXX, XXXX, I purchased a new vehicle from Infiniti of XXXX XXXX, XXXX and this dealership took possession of my leased vehicle, and the dealership began making payments on my leased vehicle.
Product: Mortgage

I contacted Wells Fargo Mortgage requesting help for a modification/refinance XXXX XXXX, XXXX. I was declined twice. My home preservation specialist advised me not to make 3 months ( XXXX, XXXX & XXXX ) of mortgage payments and he guaranteed me by skipping those three months would not harm my credit in any way since I was protected under the modification program. Everything was done verbally, never on paper. I was approved XXXX XXXX, XXXX. He verbally told me the terms : 3.25 %. The missed three months would be tacked to the end of the note and they had added a couple years to the term. The monthly payments were more than my original payment. I was assured that figure was incorrect but would be corrected and reflected on the final documents that I should be receiving in the mail shortly. He advised me to make the inflated " trial '' payments and not file an appeal. It took me several weeks talking with him to agree to the " trial '' terms. I expressed numerous times to resubmit with the correct amount or to at least send me documentation indicating the corrected amount. He stated that they do not send out " personal correspondence ''. On blind faith, I made XXXX, XXXX and XXXX payments but still had not received any documents. I called numerous time and they told me to keep making the trial payments until the documents arrived. They arrived XXXX XXXX, XXXX with the inflated payments and added terms. My loan balance was approx {$85000.00}. The terms were : 3.25 %. The same inflated monthly payment for 279 months- XXXX years equalling approx {$93000.00} AND THEN A BALLOON payment of {$51000.00}. I have talked to many employees at Wells Fargo since I received their paperwork and was told that new paperwork would be in the mail shortly with the corrected terms. I have called and emailed my new home preservation specialist trying to make a mortgage payment. She will not answer, she will not call me back or respond to any of my emails. My credit has crashed to XXXX and I am now 5 months behind on my payments. This makes it impossible to find a new loan from another bank. I filed a complaint in Wells Fargo and she has delayed the process and no longer contacts me. I have attempted to let them know that I do not agree to the terms. I am in default because they wo n't take payments / I was advised not to make 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of credit report XX/XX/2021 from XXXX I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app XXXX I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Transunion, and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED LA XXXX Docket # XXXX. I was than told that was not acceptable.