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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; 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
Product: Mortgage

We have filed several complaints against PHH Mortgage and they are the worst lender/mortgage service company to deal with. 

Our latest complaint is the same as a similar complaint where we believe they did not give us proper credit for payments we made between the years XXXX and XXXX. We bring this light again ; because recently we received in the XXXX mail revised Mortgage Interest Statements for the years XXXX and XXXX. Each of these statements shows an increase in mortgage interest compared to the original 1098. This indicates to us that they never gave us credit for two separate payments we made during those contested years which proves to us they never properly credited us payments they claim we were in arrears to them on!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Charge-off Information Dear XXXX, I am writing to formally dispute the accuracy of certain information in my credit file, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau must investigate my claim within 30 days. If the charge-offs can not be verified as accurate and complete, it must be removed from my credit report Additionally, Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) requires data furnishers to provide accurate information. If this account can not be validated as accurate and complete by the original creditor, it should be deleted promptly. 

I have attached the following documents to support my request : A copy of my credit report highlighting the disputed charge-off Please conduct a thorough investigation and provide me with written confirmation of the findings. If the charge-off is removed, kindly provide me with an updated copy of my credit report reflecting this change. 

Thank you for your attention to this matter. I look forward to your prompt response. If you have any questions, I can be reached at XXXX Account : XXXXXXXX XXXX XXXX | # XXXX {$2200.00} Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained copies of consumer report from both XXXX XXXX and Sage Stream. They're reporting multiple discrepancies on my credit report that is defaming my character. Under the FCRA, I have the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Request that XXXX XXXX and SageStream furnish notification of the deletion of all disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX AN XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has failed to respond to consumers request with in 30 days as Mandate by the fair credit reporting act, not answering consumers request within 30 days is a violation that could carry up to {$1000.00} penalty per item in a court of law. 
Please delete Requested items from my credit report I am litigious consumer and I fully intend to enforce my right as for the Fair Credit Reporting Act. 

Thank you for your quick response in this matter.
Product: Student loan

I have been a XXXX  as a XXXX XXXX XXXX. I have been a XXXX since 2001. My loans should be forgiven. Navient will not give me the information that I need to have my loan forgiven. That do not have any information.
Product: Consumer Loan

My social security number was stolen from me to open an account with Security Finance.
Product: Mortgage

I have a loan with Fay Servicing, XXXX XXXX. XXXX XXXX XXXX, XXXX TX is one of the properties on that loan. Fay Servicing is supposed to pay the insurance policies for the property out of escrow. 

Earlier this year, they paid for the insurance policy on XXXX XXXX out of escrow. The following month on XX/XX/2022 they claimed that there was no insurance policy on the property and the purchased a second policy for the property, paying XXXX out the escrow account for a second policy. I contacted them several times and emailed copies of the insurance policy in effect and uploaded copies of the insurance policy to their website. I asked that they cancel the second policy and refund the money. 

I called them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I uploaded documents XX/XX/XXXX and emailed them on XX/XX/XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted disputes XXXX 2017 and XXXX 2017 to Experian and XXXX that information regarding a bankruptcy they were listing is inaccurate. Each time they responded they had verified the listing. I asked for their procedure they used to verify bankruptcy I never recieved it.
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 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 XXXX 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 XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit card or prepaid card

I initiated a balance transfer using a Discover employee in the amount of {$2400.00}. A few days later I noticed that the same balance transfer ( same amount & company ) had been entered twice. I spoke to 3 different people at different times without a resolution. The first person said just return the money - in process of duing. The second peson said, at least the interest you are paying is less than what i was paying - not true. XXXX XXXX was overpayed by more than {$2500.00}. ( to cover possible interest ) I have no balance! The last person I spoke with was XXXX XXXX who informed me that I made an online transfer the same time the representative made a transfer for me. I tried to explain that while I did attempt to make an online transfer the web site said it was not going through. I then called Discover to help me with the transaction - the person that completed the transaction stated she saw where I was trying to make the transfer and would help me complete the process. 

On XX/XX/2020 two payments of {$2400.00} were made to XXXX XXXX. I only authorized one payment. 

I am being charged interest on money I did not want or authorize. My credit score is being negatively affected by the percentage of debt to ratio. Prior to this my debt usage was 16 % and no individual card was above 30 %. The balance transfer I requested would keep my debt/ration with Discover at 30 % after my first payment.

Discover recently denied me a Discover it card based on " % of balance to high credit on banking revolving or all revolving acct '' when my debt ration was in fact 16 %. My credit score was reported as XXXX when in fact it is XXXX - XXXX. " length of time accounts have been established '' 31 yrs for XXXX, 2 mortagages - not being reported since being sold off. " lack of recent installment loan information '' - no installment loans at time of application. Car paid in full. I did have a serious delinquency on 1 account after being unemployed for over a year. - that account is current and now paid in full.

Based on how easily Discover denied me credit - they are absolutely hurting my credit now and preventing me from opening a new credit card. Because of this transfer my reported balance is {$5700.00} / {$9000.00} limit much higher than it should be. 
It should be $ XXXX/ {$9000.00} and after my first payment of {$400.00} would be at 30 % - never being above 30 % This error is causing me to incur interest on money that I did not authorize. 
I am in the process of refinancing 2 homes and I really hope this does not create a problem for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPARTMENT OF EDU XXXX Opened XXXX XXXXXXXX XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX XXXX Balance {$1500.00}.
Product: Student loan

I have had student loans through Great Lakes since XXXX. In XX/XX/XXXX I received several emails from Great Lakes and " Nelnet '' that my loans will be transferred to Nelnet and that I will need to create a new account with Nelnet in order to begin making payments ( after the COVID-19 pause ). 

I have been unable to create an account to make payments through Nelnet which are now due in a week ( XX/XX/XXXX ). I HAVE BEEN TRYING TO CREATE AN ACCOUNT SINCE XX/XX/XXXX. 

Their website can't locate my information in order to create an account. I've tried on several different computers and devices ( per suggestions from the thousands of others having the same ordeal ). 

No one at Nelnet picks up their phone after being on an automated hold for 2+ hours. 

Their " Live Chat '' help is unmonitored and goes no where. 

Emails do not get returned. 

How is it possible or even legal for my federal student loans to automatically be transferred to a FOR PROFIT PRIVATE COMPANY which I have no choice or options in. 

I am unable to get into this website in order to pay my student loans or even gather *any* information about them. This seems criminal. 
I will now likely be penalized for a private company 's inability to perform their function, due to their shoddy website and " customer service, '' of which there isn't any. 

What are we lendees expected to do here.
Product: Credit card

I have a outstanding credit card dept. My wife established the debt. My name is the Primary Card Holder listed on the account. I do not think that that should be the case. I cancelled the discover card many years ago with the statement that I will not ever use them again.
Product: Credit reporting or other personal consumer reports

I have contacted all 3 credit Bureaus to remove those items off of my report and report accurate information. They have stated the information was " verified ' and did not remove the items. The " verified '' information statement is in correct, nothing was verified nor removed. According to 15 US code 1692g, 15 US code 16815-2, 15 US code 1681i and 15 US code 1681iaa those items are to be corrected and or removed from my reporting asap.
Product: Credit reporting or other personal consumer reports

I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$290.00}
Product: Debt collection

I spoke with XXXX XXXX XXXX, a Debt Collector on XX/XX/XXXX about this account listed on my Credit Report. They said that the Creditor was XXXX. I informed them that I do not have and never had a XXXX Account. They said for me to call XXXX. I call XXXX on XX/XX/XXXX, they transferred me around, and finally the lady ask for my Social Security Number. I  said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call they to get more information. I tried disputing it with them on XX/XX/XXXX, I was only able to dispute with XXXX XXXX XXXX, on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX I submitted a extended 7 year fraud alert request form to Chexsystems instructing them to change my fraud alert from an initial one year fraud alert to a 7 year Extended fraud alert I submitted the notarized form to Chexsystems and dropped it in the mail on XX/XX/year> they have had an entire month and they still have not changed my fraud alert into a VALIDATED extended 7 year fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX/XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} MI XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$4900.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance XXXX {$1300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : XXXX US DEPT ED XXXX Balance : {$8000.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance : {$1800.00} US DEPT ED XXXX Balance : {$1800.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$4200.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$3400.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the 3 major credit bureaus to investigate these accounts that don't belong to me, I have not yet received verification from anybody at XXXX, Equifax or XXXX since last year. the following accounts below are not my accounts 1. XXXX XXXX acct # XXXX 2.XXXX XXXX accts # XXXX XXXX 3. XXXX XXXX Bank acct # XXXX I requested that the only name that needs to be reported on my XXXX, XXXX, and Equifax credit file should only be AS FOLLOWS, and they never removed fraudulent names from my report as requested, my name as followed should be only name. 
1. XXXX XXXX XXXX I requested that these address be removed because they're fraudulent addresses as follows and never received validation from XXXX, Equifax and XXXX  1. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

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


XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$240.00}.
Product: Debt or credit management

I have patiently awaited the return of my funds and have complied with all aspects of our initial agreement with BoostYourScoreXXXX, however, they have not fulfilled the obligations and have provided evasive and unconvincing responses. 
One BoostYourScore email reply : On XX/XX/year>, at XXXXXXXX XXXX Boost Your Score XXXX wrote : We have successfully located your account Account Number : XXXX Loan savings account refunds and credit card refunds are sent separately. 
Your loan savings account was closed on : XXXX Amount of Refund : {$210.00} Your credit card was never activated.

Amount of Refund : {$370.00} You paid a total of {$730.00} Please let us know if you have any additional questions. 
Thank you! 

Another email that I sent at BoostYourScore : This email serves as a formal notice that on XX/XX/XXXX and again on XX/XX/XXXX, I will file a complaint with the FTC and the Florida Attorney General 's office, as well as the XXXX XXXX XXXX XXXX XXXX XXXX 

If the XXXX that was disbursed to your company is not reflected in my XXXX XXXX account by XXXX XXXX XXXX XXXX today, XX/XX/XXXX, along with an additional amount for damages incurred, I will proceed with the necessary legal actions against BoostYourScore. If the funds are received as specified, I will cease all further action. 
BoostYourScore. 
I have already submitted my claim to the FTC, referencing Report XXXX XXXX. I am committed to pursuing all necessary legal actions to recover the damages I have suffered and to ensure the rightful funds are returned to my bank account.. 
They have not responded again and have not retund any funds to me.
Product: Credit card or prepaid card

This is a new credit card I applied for, my first statement showed {$4.00} charge from XXXX  and another charge of {$99.00} from XXXX I called the credit card company and disputed the charges, I have no idea what these charges are. Also called XXXX and XXXX  to find out what this was for. this is not a legitimate company, they said i have signed up for healthcare and to read the fine prints from now on. I go to work and come back late at night to support my family I don't have time waste on websites and sign up for things i dont need. credit card company was not on my side saying they also called the company and they verified my info and i was responsible for the charges and was told it was for something I signed of for. I have no idea whats going on and am shocked that this could happen and my credit card company isn't on my side and the crooks are getting away with this. all i know is i have not received anything from that company nor do i want anything from them. they apparently have all my info so its no problem for them to verify things on my behalf. i hope my credit card company changes their mind and protects me. its amazing that this is going on. called again and guy helping me said he is re opening the investigation, hopefully we have a different result this time if not i will not let this go i know for a fact this is fraud and i will not let these crooks get away with this.
Product: Mortgage

Trial modification approved XXXX trial payment was due XX/XX/year>. Remitted payment XX/XX/year> by XXXX XXXX. Spoke with servicer several times to verify payment was received XXXX specialist said payment had not been received by XXXX XXXX. Made 2nd trial payment XX/XX/year> because loan specialist said if payment was not received by XXXX XXXX modification would be canceled. Attached proof of XX/XX/year> from XXXX XXXX of payment being remitted to mortgage servicer and being received by mortgage servicer.