23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I requested Mohela to take me out of forbearance once the XXXX pause ended. Mohela did not take me off forbearance and is still processing the request ( it has been months ). I am involved in XXXX and also involved in the XXXXXXXX XXXX XXXX XXXX lawsuit. My due date for my loans is XXXX/XXXX currently and my loans are accruing interest. I do not have a payment currently due to the forbearance. I work in healthcare and am frontline. I was told that I want to be taken off forbearance because my payment will be {$0.00} until I recertify in XX/XX/XXXX ( because I was in school in XXXX and did not have an income ). They said I would not gain interest between now and XX/XX/XXXX if taken off forbearance. I am concerned because Mohela is still processing my forbearance and I am actively gaining interest. I have saved a XXXX XXXX of me repeatedly asking to be taken off forbearance. I am concerned this will impact my XXXX  status and hinder my progress. I am concerned that I am accruing interest on my loans when I should not be.
Product: Credit reporting or other personal consumer reports

I applied for credit and was denied right on the spot. I decided to pull my credit reports, and I have found that a collection agency by the name of Credit Service is reporting false information and reporting a fraudulent and false balance each month to the credit bureaus. Credit service is reporting a NEW BALANCE each month since the year XXXX, maybe even earlier. Credit Service collection agency has been increasing the balance amount in XXXX XXXX  {$5.00} increments each month like this is some type of credit card account or loan account when it is neither and when it does NOT belong to me. I want this account deleted from all XXXX credit bureaus : XXXX, XXXX, AND XXXX This account is listed as non-medical on my credit reports. I looked up the name and number of this business called XXXX XXXX is an actual medical clinic/facility. Isn't there a law against collection agencies publishing medical information HIPPA law correct. How can they just take a medical facility name and pretend like its another type of business or account? 
Please delete this account. It is hurting my credit each month. This false reporting has brought my credit score down to a very low score. I found in my credit reports that this collection agency, which I do not receive any type of paperwork from or monthly statements from, is reporting false balances each month. This is false, a non-truth, a flat out lie. They have it listed like I talk to them or have some type of communication with their company, and I have never spoken with anyone or received anything for them to list this fraudulent information. AGAIN, THE CREDIT SERVICE COMPANY IS REPORTING FALSE BALANCES EACH MONTH IN AN ATTEMPT TO COLLECT MONIES FROM ME AND THIS IS A FORM OF FRAUD. THIS IS FRADULENT BEHAVIOR. Please DELETE FROM THE CREDIT BUREAUS that is reporting the information : XXXX, XXXX, AND XXXX Here is what this collection agency is reporting. False and made up balances each month that I do not owe and are not mine. 
Date Balance Scheduled Payment Paid XX/XX/XXXX {$810.00} {$0.00} {$0.00} XX/XX/XXXX {$800.00} {$0.00} {$0.00} XX/XX/XXXX {$800.00} {$0.00} {$0.00} XX/XX/XXXX {$800.00} {$0.00} {$0.00} XXXX XXXX {$790.00} {$0.00} {$0.00} XX/XX/XXXX {$790.00} {$0.00} {$0.00} XX/XX/XXXX {$780.00} {$0.00} {$0.00} XX/XX/XXXX {$780.00} {$0.00} {$0.00} XX/XX/XXXX {$780.00} {$0.00} {$0.00} XX/XX/XXXX {$770.00} {$0.00} {$0.00} XX/XX/XXXX {$770.00} {$0.00} {$0.00} XX/XX/XXXX {$770.00} {$0.00} {$0.00} XX/XX/XXXX {$760.00} {$0.00} {$0.00} XX/XX/XXXX {$760.00} {$0.00} {$0.00} XX/XX/XXXX {$760.00} {$0.00} {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. I have attached the Bankruptcy Court response below. 

I have also disputed this in the process with all three bureaus XXXX has deleted Experian and XXXX hasn't removed these items the credit bureaus are noon affiliated with third parties and can not report this information. I have attached the letter from bk court showing they have not to furnished nor do they report to credit bureaus.
Product: Payday loan, title loan, or personal loan

I purchased delivery of flooring through XXXX. I have since canceled it/ advised them of the return. The item was sent to my home- extremely heavy of course, so XXXX  advised they would pick it up. I used affirm at checkout to pay. I also told affirm I am not going to pay this due to I canceled it. 1. Affirm states yes I will. As they report to credit bureaus if I dont. 2. XXXX- well still no pick up. I dont understand how they cant arrange their local store which is 10 minutes away ( XXXX  XXXX XXXX  ), XXXX  or XXXX  to set a day and time. I need you guys to intervene. Not only to send this back but to make sure I am not charged AND my credit is not affected!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Logged on to XXXX per the FTC recomendation. I completed all necessary forms as well as answering nearly impossible multiple choice questions posed by Equifax. I was then denied a credit report and directed to mail in a ridiculous amount of sensitive and private information.
Product: Credit card or prepaid card

I have had my Capital One card for about 6 months I always pay on time and more than the minimum required. They closed my account and when I contacted them they told me it was because of past, present, or pending adverse legal action. I do not have present or pending legal action. Many years in the past I did, but thats been a very long time and nothing has changed since I got the card. I asked what kind of legal action they told me I could contact the county clerk and find out, and I might need to check any where I ever lived.
Product: Credit reporting or other personal consumer reports

Multiple inquiries within the same period of time were taken by multiple financial institutions ( XXXX XXXX XXXX, XXXXXXXX XXXX JPMCB Auto, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All took place in XX/XX/year>. I specifically stated to NOT shop credit as I was pre approved and granted a loan through XXXX XXXX XXXX. I did not authorize these inquiries from any of the above institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unaware of the transaction, someone else could have used my information.
Product: Checking or savings account

Someone XXXX  me money and it did not post to my account and then i spent the money that looked like it was there and then i got charged an over draft fee this has happened multiple times
Product: Mortgage

My current mortgage is with NewRez. My loan ID no. XXXX. 

I am in the process of refinancing my loan to a lower interest rate with XXXX XXXX. My original closing was suppose to happen by the end of XX/XX/XXXX but now I am scheduled to close on XX/XX/2019. 

NewRez sent an updated loan payoff letter that included an additional amount for my property taxes {$2300.00}. 

My escrow account at new Rez has a balance of {$2600.00}. 

I contacted the customer service at New Rez on XX/XX/2019 and requested a new payoff letter that did not include the amount for property taxes and after placing me on hold and checking with a supervisor the rep came back to the phone and told me that the new letter would be emailed that day. The letter was never sent. 

Myself and the loan officer from XXXX XXXX called new Rez today and was told that the payoff letter would not be changed. I asked to speak with someone in the loan servicing department and was told that I could not be transferred to that department. 

I have sent an email to the loan servicing department and waiting for a response. If I am not provided with a corrected loan payoff letter I will be forced to either delay my closing again or try to come up with {$2300.00} for closing in less than 24 hours. 

New Rez is currently holding {$2600.00} in my escrow account but yet they are forcing me to pay an additional {$2300.00} to be able to refinance my loan. 

I was told by the customer service and the customer service supervisor that is their procedure and when I asked to speak to her supervisor I was told that XXXX XXXX was not available and that if she was available Ms XXXX would give me the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my report and the last letter i wrote to the 3 bureaus for these 2 student loans from XXXX to show that XXXX, XXXX, and Equifax did not conduct a full and proper investigation. They are inaccurately reporting late payments and I have requested that they investigate these issues and update them to never late. These falsely reported late payments are killing my credit score and are a violation. How can they have conducted a full and fair investigation if there are multiple violations in the reporting? They are paper whipping and just sending back a letter saying that its verified as accurate ... .It is our right as consumers to contact the cfpb when these CRO 's are  violating our rights ... .this is the account # that they are reporting on both accounts XXXX this is a metro 2 violation as they are reporting a letter in the account #. All 3 bureaus are reporting different dates of last activity, All 3 bureaus are reporting different dates of last payment, Look at the payment history they are reporting Differently on the 30,60,90 days late ... .I was never late on these accounts ... ..How are the credit bureaus claiming that they actually investigated these accounts and that they are verified and reporting 100 % accurately and reporting all of these violations? they did not conduct a full and proper investigation is the answer.
Product: Debt collection

A full verification report was sent and they didnt comply, saying it was directly sent by me and that they would move forward without sending me a report
Product: Mortgage

Specialized Loan Servicing charged me {$42.00} in late payments 2x, I submitted a letter as they told me I needed to as to why my two payments were late. because I have never been late they waived one late fee but not the other. I submitted a letter of explanation in XXXX stating my payment was a little late due to ( coronavirus ) unemployment not kicking in. SLS refused to waive late fee, I have called monthly requesting to speak with a supervisor and have never received a call from one. This issue has been on going for moths with me monthly contacting SLS in addition to two letters being sent in with my payments asking to speak with a supervisor. Today one finally returned my call and waived the fee. Please look into why they do NOT respond to letters, they do not return calls and you can NEVER reach a supervisors.
Product: Credit reporting or other personal consumer reports

This is a complaint against the three major credit reports agencies, Transunion, XXXX and XXXX is reporting a XXXX XXXX  XXXX of XXXX on my credit report which is false. I have reached out to the three major reporting agencies and filed a dispute asking them to delete this incorrect information immediately based on the following fact. I have attached a verification letter from the XXXX XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX New York stating the XXXXXXXX XXXX XXXXXXXX has no jurisdiction over credit reporting agencies and does not report, verify or furnish any information to the credit bureau or any credit monitoring agencies with regards to verify bankruptcy information.
Product: Credit card

I have a Total Rewards card serviced by XXXX. Over the two years I 've held the card, I 've had to contact them at least three times to reverse late fees because I did not receive an email notice of payment due, even though I 've been on paperless billing and should be getting those emails. Their representatives always assure me that the notices will be sent, but they never are. It 's been a full week now and the most recent late fee and finance charge is still showing on my account. I never knowingly leave balances on my credit card accounts. Due to the problems with XXXX, I 've purposely avoided using this one ( no voluntary use since XXXX 2016 ), but there was an automatic subscription renewal charged to it in XXXX, which I did n't discover until I went to search old statements for something unrelated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account on XX/XX/XXXX and was denied but didn't know why since I have never applied for credit. I pulled my credit reports to see what was causing me to be denied and found my dad 's name on my reports along with his addresses. I also found XXXX collection accounts that do not belong to me, XXXX XXXX ( XXXX XXXX ) account in the amount of {$660.00} appears to have been opened in XXXX at which time I was still a minor and only XXXX XXXX XXXX. Also Account XXXX ( XXXX XXXX XXXX ) in the amount of {$250.00}, I am not sure when this account was opened. XXXX is listed as an employer that I have never worked for and the last XXXX of my SSN is also showing incorrectly. 

I have also filed a report with identitytheft.gov
Product: Credit card

Me and my husband has been trying to get a house since XXXX When we applied for a mortgage credit report came back as a fraud account that was on it. My ex husband opened a XXXX XXXXXXXX card in my name and I've never seen the card or anything at all. Now collection agency has been trying to make me pay for it. We've told them it was fraud and they took note of it. Police officer said they will get information but nothing never happened about it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX and Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I realized that my credit was stolen when I got a call from XXXX XXXX XXXX requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent XXXX XXXX XXXX credit card being opened in XXXXXXXX XXXX XXXXXXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach XXXX, XXXX XXXX, Wells Fargo and XXXX XXXX before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from XXXX XXXX XXXX are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), XXXX XXXX XXXX  Wells Fargo XX/XX/XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE THINGS LISTED ON MY CREDIT REPORT THAT I HAVE NO IDEA WHAT THAT ARE AND IT IS COSTING ME NEGATIVE FEEDBACK, AS WELL AS CLOSED ACCOUNTS AND A PREVIOUS BANKRUPTCY 7 PLUS YEARS OLD STILL BEING DISPLAYED UNDER DEROGATORY. XX/XX/2023 {$150.00}, XXXX 2023 XXXX, XXXX, XXXX,
Product: Checking or savings account

My wallet was lost/stolen. I had requested out of safety of my account for the card to be replaced. PNC Bank charged a card replacement fee and asked for refund given the circumstance. PNC Bank refused to refund the fee. I ask for a mailing address to write a letter of formal complaint but was withheld this information from the banking XXXX. We ask the CFPB to please investigate and challenge PNC Bank for the reason they need to charge a card XXXX  fee.
Product: Debt collection

Convergent Outsourcing put a non payment note on my credit file and tanked my credit score by 150 points. The original debt resulted from fraudulent use of my credit history to obtain a XXXX account. The amount owed as {XXXX}. This was already communicated to XXXX. It is for an apartment in low income housing in XXXX. I live in Texas. My XXXX account is current and has always been, as are all my accounts are. I contacted Convergent Outsourcing to remove the note and they completely refused. This is abusive, wrong and unfair. They need to be prosecuted for this abusive practice. There is no way a company should be able to do this with no attempt to find the real thieves.
Product: Credit reporting or other personal consumer reports

I have disputed multiple negative items affecting me from purchasing a house and qualifying for other things. I have made disputes through all 3 credit bureaus and Experian is the only agency not investigating and removing the negative items. The online portal has blocked me from filing disputes. The other credit bureau agencies have disputed and removed all negative entries against once proof was provided. Experian is the only agency continuing to report negative information and continuing to update it monthly which is hindering my livelihood considering most companies use them for accurate consumer information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

In XXXX, 2012 when I moved to my current apartment, I contracted with XXXX to provide me TV and internet service. When the tech came to my apartment to install the dish, he told me they could not provide service because they could not see their satellite. I understood and contracted with my local cable company to provide service. I received a bill from XXXX shortly after this and I called them to explain the situation and they said they would cancel the bill. I never received a bill XXXX ( the internet provider ) so I assumed that their service was also cancelled. About six months later I got a phone call from a collection agency telling me that I owed XXXX {$440.00} and they were attempting to collect it. I explained to them that I did not owe these charges and that I never received a bill XXXX. I have not to this day ever received a bill from XXXX and that if I had I would have dealt with the issue at the time and it never would have gotten to this stage. The collection agency has placed a collections item on my otherwise impeccable credit report and I would like to have it removed.