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

Hi I am submitting this XXXX XXXX without 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 719transunion has me at a score around 590. 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 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 im XXXXXXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}
Product: Credit reporting or other personal consumer reports

I have sent several letters requesting statements and proof own this account for years and they have failed to provide this to me. I want validation and proof this is my account.
Product: Credit card or prepaid card

On XX/XX/2021, my husband and I stayed at the XXXX XXXX and XXXX in XXXX XXXX, XXXX for three nights. At check-out on XX/XX/XXXX, we paid cash XXXX XXXX XXXX for our stay. The desk clerk had already charged my credit card without previously informing us. When we realized the error ( at check-out ), we asked for a credit to my credit card which the hotel gave us along with a paper credit receipt with authorization code, etc. The credit did not appear on my credit card and I inquired with my credit card company as to when this credit would appear. They indicated that they had no record of a credit from the XXXX XXXX. I waited the required two weeks, I contacted the vendor ( XXXX XXXX in XXXX XXXX for additional documentation, and I filed an online dispute with my credit card company by uploading my credit documents. Over the past few weeks, I have spoken with several customer service reps at the credit card company -- they assured me that the matter was being handled. On XX/XX/XXXX, I received a letter from my credit card company stating I would not receive a credit because I had not provided any documents, and the case was closed. In my phone conversation with a service rep on XX/XX/XXXX, she stated that this was their error, bu there was nothing she could do.
Product: Mortgage

The payment amount on my XXXX  was correct with the original lender. Once servicing was transferred to Shellpoint the payment amount was totally off. I have an existing balance of appx $ XXXX. Total line amount is $ XXXX. My payment should be interest only for the first XXXX  years. Current interest rate is XXXX  %. That should make my monthly payment somewhere in the neighborhood of {$XXXX} ( tops ). My payment started at {$XXXX}. As a result of my complaint/inquiry they finally changed it but still have an incorrect payment amount of {$XXXX}.
Product: Credit reporting

After multiple disputes they are reporting the credit card each month and it was charged off XXXX 2012. My goal is to have them remove the all the months reported as late after the card was charged off for multiple months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote Equifax a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Equifax claimed was verified by Original Furnisher : US BKPT CT OH XXXX. My Method Of Verification request was received by Equifax on XX/XX/XXXX XXXX ( proof of service attached ). Equifax had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX. I have yet to receive a response to my request. I have attached copies of all correspondence.
Product: Credit reporting or other personal consumer reports

Bank of America is incorrectly reporting account XXXX as being PAID, and closed, but charged off with all XXXX CRA 's. This account has never been paid ; they are using this classification to keep this data on my credit reports indefinitely. The first date of delinquency was XX/XX/XXXX ; then the account was charged off in XX/XX/XXXX. There has been no payment since the account was charged off. The account per the FCRA should be removed on XX/XX/XXXX, which is seven years from the date of the first delinquency.
Product: Credit reporting

This account is mine and all XXXX reporting companies took my good standing credit off. 
Without my permission so please could you have them to put it back XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED 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 XXXX XXXX
Product: Debt collection

I received a demand letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are debt collectors demanding to collect a debt on behalf of Capital One Bank ( XXXX ) NA. I have not received any goods or services from XXXX XXXX XXXX XXXX Attorneys at Law, and I do not know how they received my private personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am not a party to any agreements that XXXX XXXX XXXX XXXX XXXX XXXX XXXX may or may not have with Capital One Bank ( XXXX ) NA or Magistrate Court of XXXX XXXX. I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX ) XXXX or Magistrate Court of XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Capital One Bank ( XXXX ) XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Capital One Bank ( XXXX ) NA are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- XXXX XXXX  ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATED-XXXX XXXX XXXX $ Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Checking or savings account

I deposited {$460.00} into the atm for my checking acct at navy federal credit union sunday night. the atm stated an error and would return my money. it only returned {$40.00} ( that was stuck and crumpled up ). i informed XXXX XXXX  immediately. they started a claim to check the atm. the claim was denied due to no extra funds being found. i asked them to check the cameras due to having money in my hand walking up to atm but no money walking away. they refused and made me file to review the claim. i can not afford to lose that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows my XXXX/XXXX in the status as " has been 2 or 3 times late '' however, you can clearly see it has only been late 2 times. These sneaky little comments are not factual, and needs to accurately show that I have only been late twice. The only late payments were XXXX and XX/XX/2020. TWO is a big difference from THREE. 

Please CFPB, get action on this, they have done this on also my XXXX account. 

XXXX shows late 2 or 3 times, when clearly it has only been 2 times shown late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX, Equifax and XXXX. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.
Product: Mortgage

Freedom Mortgage owns my assumed XXXX loan. I have spent dozens of hours dealing with their customer service in different ways to include phone and email. I have made it to some level of American based, supervisor -level Customer Service a couple of those times. Getting there is not easy and takes a long time on hold and three or four phone transfers each time I want to service my loan. 

My main problem is not having access to my online account to see its status, manipulate my loan payment days, its amount and frequency. I have been trying for the last 11 months to figure out why my first payment every month is not applied to my loan in any way until the second payment comes in. Approximately two months ago, I thought I solved this problem with the American supervisor-level customer service, only to find on my monthly statements that its not. 

I overpay my mortgage every month but the first payment is effectively held hostage for two weeks of every month. They are taking my money and not giving me interest or applying it to the loan! The whole point of paying early is to pay off my loan by paying off interest sooner. They call this bi-monthly payments and after talking with their supervisor this time, and being very frustrated and inquisitive, I found out that what Im trying to do is called bi-weekly payments. This information was not obvious on signing up for my loan payment options, and my frustration with this problem should be documented through their customer service experiences in the last year. But most importantly, finding that answer was not forthcoming until I became irate with frustration on the phone with the latest supervisor ( it wasnt her fault, its on the company ). 

In order to change this now, I have to go print a form, sign, and mail it. Before I got to her, they would only snail-mail it to me! Each of these options will delay my changes even further and disadvantages me from everyone else who has an online account, yet again. 

Freedom Mortgage will not give me any level of management or the IT department who is supposed to be the area taking care of whatever documents are in my account that need to be deleted ( from prior owner of my assumed loan ), so that I can have access to my online account. They provide zero ETA, zero solution, zero care and no way to contact IT. What they explain to me as being the problem shouldve been fixed in five minutes and in the first week of my loan ownership. 

Every step of the way with this company, since I made the offer on my house and initiated the assumption of this loan, has been painstaking. 100 days to close, unhelpful and mostly foreign customer service and zero care. I wouldnt have come to make this complaint if they made a decent effort and didnt stonewall me. Its seemingly taking advantage of XXXX loan customers.
Product: Credit card or prepaid card

On or about XXXX XXXX, 2017, I transferred balances from Capital One credit card to another bank due to their unfair, exorbitant APR. The bank in turn issued a check to pay off balance to Capital One. I called Capital One after I went online to view my account and verify that they had received the payment and it had been credited to my account, bringing the account to a " XXXX '' balance. I asked them to " CLOSE '' the account. The account is showing " Closed '' online when I go in to check my account and verify that it 's closed. However, Capital One has " refused '' to notify the 3 credit reporting agencies. The account is still showing " Open '' with a balance over {$6000.00}, at all 3 credit reporting agencies, XXXX, XXXX, and XXXX. I have spoken to Capital One and they have given me the " runaround '' treatment, putting me on hold over and over, and coming back with some nonsense about why this problem might be happening rather than admitting that they never informed these 3 agencies that my account is closed as required by law. This is typical Capital One tactic, angered that they can no longer " suck the life out of me '' with ridiculously high interest. Very unsavory, unethical, underhanded company. Also spoken to XXXX, faxed closure verification retrieved online. Submitted " disputes '' at all 3 agencies.
Product: Credit reporting or other personal consumer reports

The FCRA requires that information reported to credit bureaus must be accurate and up to date. JPMCB is reporting 3 of my accounts that are missing information and need to be added immediatly because it is effecting my credit score negatively. 

Account # XXXX is not being reported to XXXX as it should and needs to be submitted immediately. 

Account # XXXX is not being reported to XXXX as it should and needs to be added immediately.. 

Account # XXXX is not being reported to XXXX or XXXX as it should and needs to be added immediately. 

Please correct these accounts so that it is reflecting accurately across all 3 bureaus
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a bankruptcy entry on my credit report, ( XXXX XXXX XXXX XXXX XXXX XXXX  ) which I believe to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The bankruptcy entry adversely affects my credit profile and financial standing, and I am seeking its immediate removal. I am invoking my rights under 15 U.S.C. 1681 et seq. to dispute this entry based on several violations, including Permissible Purpose, Right to Privacy, and a XXXX Consumer Report. Specifically, I believe that the reporting of this bankruptcy entry constitutes violations of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ). Considering the violations and the lack of validation, I insist that you immediately delete the disputed bankruptcy entry from my credit report. This action is necessary to correct the inaccuracies in my credit profile and to restore my financial reputation. I am confident that the aforementioned violations have occurred, and I kindly ask for the immediate removal of the disputed bankruptcy entry from my credit report. Furthermore, I expect your timely response and resolution in line with the FCRA regulations. Please be advised that I am aware of my rights and remedies under the FCRA, and I am prepared to take appropriate legal action should these violations persist. I expect a prompt response within 30 days as per FCRA guidelines. Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and take the necessary steps to rectify this issue promptly
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> i call to work out better payment plan and they denied it i went into the XXXX XXXX XXXX and discuss this with them and they told me they don't work with credit program 's i told them that XXXX XXXX XXXX had the power of attorney to speak on my be half and they decline now they are call my place of work harassing me after i ask them not to do this .asking to speak with the payroll department..
Product: Mortgage

XXXX XXXX XXXX XXXX started the short sale process in XX/XX/XXXX. The current Foreclosure Sale date is XX/XX/XXXX. We have a very incompetent Rep with Chase. She has requested so many changes and we have had the current buyer since XX/XX/XXXX. She has requested 8 HUD revisions. That tells me she does not know what she is doing and it is very frustrating. I do not know if she does not know how to read a HUD or is just being very vindictive because I have gone to Chase Executive offices and  FHA/HUD/NOVAD. XXXX XXXX has complied with everything that the Chase has requested as well as myself. I understand that there are certain rules and regulations that need to be followed due to the type of loan. However, due to this being a Government Regulated loan while the property is in review for loss mitigation options the foreclosure sale date should be pushed out! I need some assistance with Chase so that XXXX XXXX does not lose this home to Foreclosure while it is in review for loss mitigation/short sale. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

the following two accounts ( XXXX XXXX XXXX and XXXX XXXX ) are inaccurate accounts reporting under my name, these are wrongful accounts located under my name, please find attached the FTC report and the police report for these irrelevancies, i have already sent this paperwork and many disputes to transunion and XXXX but they have not been of any help.please as a consumer i need you r help to have these two inaccuracies removed from my both transunion and XXXX credit file thank you
Product: Student loan

It has been 90 days since my submission of my PSLF paperwork, as I qualify under the current PSLF waiver. I submitted my form on XX/XX/XXXX, to FedLoan Servicing via their online portal and was informed it could take 30 to 90 days to process the request. I called them on day 90 to be told they are very busy and processing a lot of forms and I need to be patient. I have already been patient for 90 days. Plus I have been patient for over 10 years back when XXXX incorrectly told me I didn't qualify for the PSLF program.

I do not understand why this process, a majority that should be able to be processed with technology, takes so long to process. It seems that these private companies which the government entrusted to process are loans are continuing to hold those of us qualified for public service loan forgiveness hostage.

The federal government and these private companies should be able to process these requests well within 90 days. We sent people to the moon in XXXX with technology, no more powerful than a calculator. Explain to me why it takes more than 90 days to confirm I have made XXXX payments?
Product: Mortgage

Since Seterus took over my loan, all payments for the last 3 years were made on a timely basis. My current statement shows a balance after the  XXXX  payment of {$150000.00}. Using the amortization schedule the balance should be around {$150.00}. Had they applied the payment timely the amount actually should be less. They need to account for the missing {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They have given false documention of a apartment complex XXXX XXXX the company national credit system is falsey reporting a differnt amount of XXXX dollars to c all credit bureus and i seek to have them investigated this has made me and my childeren XXXX   and has inpacted my life because of outstanding balance I have uploaded court documents my question is how is this legal and how can they keep doing these and can they change amount now that i made a complaint
Product: Credit card or prepaid card

How do I stop Discover Card from calling me every single day, including weekends and holidays. 
I have request a " cease and desist '' to Discover many times including through the CFPB over a week ago. 
I have asked for all communications to be written to ensure there is no misunderstandings of facts I have informed Discover Charges on this account in my name are identity Theft I even took a phone call from Discover on XX/XX/2017 -  This is the first time and only time I talked to someone verbally over the phone. During conversation I informed Discover the charges are not mine and are not authorized be me. 
I truly believe Discover has refused to honor my request and honor federal and State laws, deliberately for the purpose to harass me. 

So let me specific again, I do not want Discover to call me over any phone. If Discover wants communications they can do so via USPS, email or XXXX. 
DO NOT CALL ME, THIS IS VERY STRESSFULL, It is preventing me from sleep, I am stress all day, I am XXXX years of age and did not create this mess. 
On XX/XX/2017 discover called me at : XXXX XXXX ET and XXXX XXXX ET they called again. 
I will file complaints every day through this platform to produce a record for further litigation