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

XXXX XXXX has just destroyed every credit report ( XXXX equifax, XXXX ) with inaccurate information and predatory lending practices. They report payments being made that are not happening, then they will turn around and report payments not being made after the case with the vehicle in question has been resolved in court. Just last week I saw payments being reported made & I have not made any payments for a few years now. I looked through the contract for the vehicle and noticed that there was a job listed for my consigner that she never had with income in order to secure the loan. There were alot of other inaccuracies that they used to put us in a vehicle that was overpriced & we could not afford, ran through the contract quickly when we were signing so we would not notice. We made payments for years and not one payment is listed on any credit report. They keep reporting payments & erasing them causing havoc on my credit scores. I have complained & disputed this many times with all 3 credit bureaus and it still is on my credit report causing major damage to my score for years. They have also been sued in court by consumers for predatory lending just a few months ago. XXXX XXXX is terrible and they should not be allowed to damage peoples lives like this. This account needs to be removed from my credit report & my cosigner.
Product: Credit reporting or other personal consumer reports

This account is too old to be on my credit report
Product: Credit reporting or other personal consumer reports

To : CFPB, I am filing a formal complaint against TransUnion for failing to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. 
In XXXX, I disputed several accounts with TransUnion. I requested specific details regarding the verification process, including the methods used, the parties contacted, and the documentation relied upon to substantiate the accuracy of the information. However, TransUnions response did not address these requests in detail. 
Instead, TransUnion provided a generic explanation of its investigation process and directed me to contact the furnishers directly, despite the FCRA requiring TransUnion to conduct a reasonable reinvestigation and provide clear results. The vague responses make it impossible to determine whether my disputes were handled properly, which raises concerns about the adequacy of their procedures. 
This lack of transparency and failure to provide verifiable information violates my rights under the FCRA. I am requesting immediate corrective action, including the removal of the disputed accounts from my credit report since they can not provide sufficient proof of accuracy. 
For reference, I have attached copies of my correspondence with TransUnion. Thank you for your attention to this matter.
Product: Checking or savings account

I have TD Bank business account Number ( XXXX ) and I see like crazy charging me overdraft from Something I dont not make it and jumping {$170.00} Yesterday, now {$290.00} cant work I stop I dont know what Im gon na do
Product: Credit reporting, credit repair services, or other personal consumer reports

1. There is no FCRA date, DOFD date ( reported by CO ) 2. As a result - there is no " On Record Until '' date 3. There is no CLS - Closed date 4. As a result - the account is still active - open, and not accurately

5. The status code - appears incorrect. 
6. Paid, Closed. {$290.00} written off is what you reported - merging 2 status codes from Metro2 file specs 7. It should reflect code 64 ( account status code - Metro2 - ), account paid in full was a Charge - off, and as the final status of this account 8. After the amount was charged off - and after payment from me to bring the amount to XXXX - it was no Longer, written off as you collected the amount due 9. The Payment history is incomplete 10. The Final Payment made - to get to a PAID - after charge off status was never reported, even when CO updated the status of this tradeline in XXXX ( Date Reported ) 11. Last Payment amount is Blank - Pay History/Balance History 12. Last Payment Date is not reported - Pay History/Balance History 13. Balance - is blank 14. Balance Updated - is blank What does " payment after charge off/collection '' mean? FCRA/Metro2 Credit Listing Violations are causing me to get rejected by other credit grantors.
Product: Mortgage

I pay my mortgage every month with Loancare, a Service Link Company. I called their customer service line and attempted to use the automated phone payment system. When this proved to be nonfunctional, I redialed and navigated my way through an endless menu system which seemed to be designed to avoid letting callers through to a human telephone agent. Ultimately, I reached XXXX at XXXX   XXXX. My loan number is XXXX. XXXX refused to let me speak with a supervisor until I threatened this complaint. 

The supervisor seemed more pleasant, and took my payment over the phone. 

They can't seem thus far to be able to understand why my online account access is not able to be restored. In fact, the customer service agents were unable to do anything because they were having errors in their system as well. This has been the general experience with Loancare. The biggest problem is that Loancare is not even my servicer - it's a subservicer, a double outsourced company taking payments and passing them on to XXXX XXXX XXXX, so I have no idea how to actually speak to my actual mortgagor. 

Loancare still can not figure out why their online portal does not function for me on any of my devices, so it looks like for the forseeable future, I will have to continue to waste my time on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is fraudulently alleging that I opened an account with them on XX/XX/2022 and that I owe them a past due balance. This untrue and inaccurate. I have no contracts or other business relationship with this company and never authorized them to share my personal non-public information with any parties, including them. They have not been responsive to my attempts to remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure complete accuracy. Here is the account I am asking you to verify. XXXX XXXX. Account # XXXX
Product: Credit reporting or other personal consumer reports

Westlake Financial has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

CFPB Case Number XXXX, Case # XXXX. 

Ocwen Loan Servicing, llc, now PHH Mortgage Services ( " OCWEN '' ) was named as beneficiary in a limited trustee sale guarantee policy issued by XXXX XXXX. Customer Reference : XXXX Order No. : XXXX. Dated : XX/XX/2014. Name of Assured XXXX, XXXX, As Trustee, and Ocwen Loan Servicing, LLC as Beneficiary. Issue : A foreclosure was informed was completed by XXXX XXXX XXXX XXXX XXXX, the trustee on XX/XX/2014. XXXX XXXXXXXX XXXX XXXXXXXX XXXX has stated under penalty of perjury that it paid off Ocwen to satisfy the obligation and the reason for the trustee sale. I am not in receipt of acknowledgment of the payoff from Ocwen specifically stating that it received the payoff. REQUIRE Ocwen and its successor PHH Mortgage  Services to confirm or deny it received payment from XXXX XXXX XXXX XXXX  XXXX, trustee sometime on or after XX/XX/2014.
Product: Debt collection

I opened a Military Star Card on XX/XX/XXXX, soon on XX/XX/XXXX I became divorced no job and no income so I was trying to make payments the best I could but I defaulted in XXXX, then by XX/XX/XXXX I was charged off/collection the amount of {$5900.00}. This amount was what was charged off. Now on XX/XX/XXXX the balance has quadrupled to a whopping {$8900.00}. Can someone explain to me how ANY company that charges off a balance intends to almost double the amount on a CLOSED/CHARGED off account? I have other companies I had setbacks with but they never added any additional fees nor balances on a charged off account. How is this even legal? How do they think that someone who owes {$5900.00} on a closed and charged off account could bare to even pay interests and fees on top of a balance already owed and charged off?
Product: Checking or savings account

Wells Fargo may be trying to scam American 's out of their money by creating false overdrafts. Why is the available account balance not shown at the time of each charge on statements? I call and they say something like, well I can't see what that balance was when you made that purchase. Charges had already showed as pending, adjusted my available balance, and future purchases were made after reviewing that balance, every time! Something is up here, they could be trying to bank on the fact that people won't complain due to pandemic difficulties and the fact that many didn't " work '' for the money. Bank blames it on retailer, retailer blames it on bank. 

Then they keep changing what the statement looks like. How did a charge from XXXX get divided in half! Weird, possibly criminal. Something is up, the fact that the statement changes and does not show available balance changes is suspect. 

The call to Wells Fargo Customer service was the last straw, the person tried to act like I am unable to see numbers and do math, as they quoted me some bunk math explanation.
Product: Debt collection

L J Ross will not stop calling me. They called me countless times during work and I am unable to pick up. Every time I called them back, they said my number is not in their system and I do not have an account and their IT department would resolve this issue. I finally sent a cease and desist via certified mail and still continue to receive calls. I am now pursuing civil action against them for their numerous violations against the FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Associated Credit Services has been calling and sending emails I have never had an account with them and they are calling / email attempting to damage or intent to place harm to my credit. 


This is incorrect information via email Emails came from notifications @ XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Creditor : XXXXXXXX XXXX Our Account Number : XXXX Original Account Number : XXXX Balance : {$920.00}
Product: Mortgage

In XX/XX/year>, I contacted Planet Home Lending and requested to be set up for bi-weekly mortgage payments. This involved me paying ahead, {$1900.00}, to have the bi-weekly started, which I did. Due to an error of their account processing, they had the auto draft account mislabeled and the payment failed. I was never notified by phone, email, or postal mail. 

On XX/XX/year> When I was balancing my account and seen that no mortgage bi-weekly or full payments had been auto drafted. I contacted Planet Lending again, their customer service manager, XXXX, at length about how this happened, what it would take to have this corrected. He stated could not find where they was an communications sent to me about the failure and correction actions needed. XXXX had their accounting department fix the account mistake, we scheduled another payment and a half, {$1900.00}, to make the bi-weekly payments initiate XX/XX/year>. 

Upon balancing my accounts on XX/XX/year>, it was again noticed that Planet Lending had failed to take the agreed upon payments. When I called and spent over an hour on the phone with " Supervisor '' XXXX, I was told that XXXX was not correct as XX/XX/year> was to far into the month to make an bi-weekly agreements to start on XX/XX/year>. So I was informed that my XXXX payment was now late, which has been on ACH auto-draft since the mortgage initiation. I proceeded to ask the following questions : XXXX ) Where is the other {$650.00} that XXXX took on XX/XX/year>. XXXX ) How come I was not informed that this would not be enough? Is there a current educational failure on Planet Lending 's training administrative systems? XXXX ) Why wasn't the XXXX payment auto drafted? XXXX ) When was I going to be told that XXXX was late if I had not called? XXXX ) Why does this keep happening XXXX months now with no notification of problems, until I call. XXXX ) What is this going to take to correct and start the bi-weekly schedule? XXXX ) Can I have written documentation that this has corrected and this problem has been solved? 
The answers I received : XXXX ) Oh let me look.. on hold.. XXXX minutes.. I found it, it was in holding. Holding for what? ... I don't know. 
XXXX ) XXXX must not have had all his available resources to give you proper information. 
XXXX ) I do not know why the XXXX auto draft was not completed. 
XXXX ) When XXXX 's bill was sent with the XXXX late charges. 
XXXX ) I do not know. 
XXXX ) Another {$1900.00}. 
XXXX ) We do not provide that type of documentation. We just have to hope it works. 

Today again, I had to pay {$1300.00} and {$650.00} on XX/XX/year>. 

This has caused an extraordinary unnecessary amount of stress and could have potentially cost me a foreclosure on my home. This has cost me all the additional interest, that I was avoiding by changing it to bi-weekly. After 3 months of these ongoing issues, my confidence in Planet Lending performing their obligated financial functions is low, however, my confidence of their continued negligence however is very high.
Product: Credit reporting or other personal consumer reports

On XX/XX/16 I traded in my XXXX XXXX to XXXX  of XXXX XXXX  for a brand new XXXX They couldn't obtrain financing and pay off my trade till XXXX. They didn't notify me and I repeatedly contacted because I was also unable to obtain a legal plate within 30 days and could n't drive the financed car.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. XXXX XXXX To whom it may concern ; My name is XXXX XXXX XXXX. I have a student loan with NelNet. In XXXX my loan went into collections. I contacted the collection agency and did everything they advised me to do in order to have the loan go back to NelNet. XXXX explained to me the program called Rehabilitation can only be used once. After my account went back to NelNet, in XX/XX/XXXX. I contacted NelNet and applied for the Payment Based on Income program. I am a XXXX vet and the only income for my family. My repayment amount was set to XXXX. I Sent them all the paperwork, as well as, my Income tax for that year. I spoke to a representative towards the end of XXXX or around XXXX and confirmed they have everything needed and everything was good. 

On XX/XX/XXXX I received a letter from National Student Loan Program stating that my account went into collections. I proceeded to contact NelNet about this to ask if I was supposed to reapply for the program. I was told by the rep. that the account went to collections because I did not send proof of my wifes income. I explained to them that my wife does not work. I stated that on the application and I also sent in my Income Tax showing proof. They then continued to tell me that they tried to inform me by letters and email and gave me an address to verify that was from 10 years ago. This was an outright lie as I have paperwork showing my current address which I have been at for 8 years. I also searched my email history and did not show anything or any attempt there either. I then called Nation Student Loan Program and explained this to them as well, and asked if I can do the Rehabilitation program and they explained that it is only once in a lifetime to use this and was already used in XXXX. I contacted NelNet and explained this and asked if they can just pull back my account and process my application since they have all the paperwork needed. I asked to be transferred to a supervisor and explained everything to them. He stated he will open a complaint for me. As of yet I have not heard anything. I also filed an online complaint with Nelnet as well. 

I am only asking for my account to be sent back to be able to be set up with the payment based on income as I am currently XXXX and the only source of income for my family. I am currently waiting for my XXXX XXXX XXXX from the Veterans Administration as well to send them this information to them as well. 
Please assist me in this situation. Thank you for your time. 

XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX Ca. XXXX Phone : XXXX NelNet Account number : XXXX NelNet : XXXX
Product: Debt collection

MT Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Recently I applied for a loan and was denied. At this time I realized that damages/ late payment reporting have been placed on my credit report illegally from XXXX XXXX XXXX and Experian from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to this law no damages/ late payments should be on my report. These damages are a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX : {$1600.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX XXXX  XX/XX/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: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act, XXXX account identification # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Checking or savings account

Umpqua bank will not give me access to my accounts and I've been to XXXXXXXX XXXX in XXXX XXXX XXXX XXXX ca XXXX XXXX was closed the day I went this has been going on for weeks and possibly a month
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a natural person who has been victimized not only by the XXXX major credit reporting agencies XXXX XXXX, Experian, and XXXX through their UNAUTHORIZED and UNAPPROVED collection, storage, and selling of my personal information, but also by the criminals in the underworld who obtained my data through the XXXX XXXX data breach. I've contacted the XXXX CRA 's to inform them of inaccuracies and errors on my personal consumer reports, and received only XXXX response from XXXX XXXX which stated that they were not going to process my complaints because it didn't appear that the documents came from me. I informed them that this is exactly the kind of unlawful behavior that the FCRA was established to prevent. I'm deeply depressed and suicidal dealing with years of negative and erroneous items in my credit files and having to fight these companies that make billions of dollars by reporting inaccurate accounts. I'm also writing to the Attorney General of Maine and the XXXX, as I have no faith in the CFPB. I've complained about these companies many times before, but they only give some form reply and the CFPB disappears. It's ridiculous. I sent letters Certified to all XXXX CRA 's on XX/XX/XXXX, and received a reply from only XXXX XXXX on XX/XX/XXXX stating they didn't believe I sent them the letter, so they were doing nothing for me. That's completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX, Equifax, and XXXX is still reporting XXXX XXXX on my credit report for XXXX. I have made several attempts to have them remove the account and they keep sending me emails saying the investigate is done and accurate. Below is the letter that I wrote to them and they still denied my requested. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.