23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2018 I was approved for a XXXX Discharge off my student loans with NelNet who also handles the discharge. I was sent a letter stating my loans would be reported to all three credit bureas XXXX XXXX, and XXXX that my student loan with NelNet would be reported closed paid in full XXXX balance. After about a month I notice On my credit report that over 30 different student loans were added to XXXX and XXXX reports, with different reporting as, transfered closed defered ect. I reach out to NelNet and, told them they are double reporting accounts on my credit report. XXXX and XXXX these are the same company not different. So now on my credit report I have double accounts see below XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX  and XXXX XXXX this account is listed twice on my credit report with transunion and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX. 
XXXX XXXX XXXX XXXX These errors are effecting me, all should have been reported as, closed and paid, and there should not be double up of accounts to make it look like I had 26 plus 19 loans. I am upset because XXXX/NELNET and XXXX are in the same office, it is not a different lender, or serivcer that is handling my loans. When reporting to someones credit it is not even legal with FCRA to double report the same accounts. It should be one account number. I had 19 loans and over 42 loans are showing up with NelNet. Pplease fix like you said you would in XXXX I have attached the letter.
Product: Mortgage

I put in a complaint previously ( # XXXX ) about Mr. Cooper refusing to release to me monies I needed to cover a personal check I wrote to the public adjuster for their portion of the insurance claim check. They responded that they would release our money when we submitted certain paperwork to them. We submitted the paperwork but they are still refusing to release ANY money to me, not just what I need to cover the personal check. Part of the paperwork we needed to send over was a contractor contract which we signed and are now bound to but we can not pay the contractor without the insurance proceeds. So first they make us enter into a contract as a basis for release of the funds and send them over the contract but now that we have they still will not release any of our money.
Product: Debt collection

Someone opened up a financed account in my name without my consent or knowledge. Then the company sold the debt to a collection without my knowledge or consent.
Product: Debt collection

XXXX XXXX XXXX Date of service : XXXX/XXXX/XXXX {$89.00} Collection Information XXXX XXXX XXXX, FL XXXX : XXXX XXXX XXXX The reason this was NOT paid was because my entire XXXX bill was under dispute for at least 6 months due to incorrect coding. WHen it was finally resolved by the physician, I thought that this was part of my coverage. Evidently it was a separate service I owed them this amount. I should have paid them at the time but completely forgot. 

My issue has more to do with the collection agency -they left me ONE message about 2 weeks ago. They claim that they sent me a notice. They DID NOT! I paid the bill in full but again, they should have sent me a notice in the mail and I know they did n't.
Product: Debt collection

I took out a loan for a cruise in XXXX, the pandemic hot and XXXX cancelled the loan. Now another loan is on my credit report, that's not mine. 
My credit was compromised when my XXXX, Social security card and Birth certificate was stolen in XXXX. Then my credit was compromised again when XXXX, XXXX XXXX XXXX and my email was hacked. 
I was never contacted by uplift about the new account or the company they sold the debt too. Now I'm being sued for a debt that's not mine.
Product: Debt collection

I XXXX XXXX have been having a credit card collection debt on my account. The credit card collection is using INcorrect opened account date that collection remains on my credit after 8 years meeting FCRA requirements. 

Information of account : Original account : XXXX Opened date : XX/XX/XXXX Closed date : XX/XX/XXXX Collections account : MIDLAND FUNDING LLC Opened date : XX/XX/XXXX Closed date : Remains open. 

The collection on my credit report should have been dropped off from my account as of : XX/XX/XXXX. The collection remains on my account as opened using the Incorrect opened date. Collections agency MIDLAND FUNDING LLC opened collections on XX/XX/XXXX as opposed to XX/XX/XXXX.
Product: Mortgage

We were in the process of completing a home mortgage with PNC bank. We were given a pre approval from PNC and instructed to pay appraisal fees ( {$750.00} ) and complete a home buyers course ( {$75.00} ). We complete what was requested and paid required fees only to be denied the loan. Considering fees were already paid we contacted PNC bank to start process over. We were told they would get us another pre approval ASAP. This was in the beginning XXXX, to date we have heard from the bank - no returned phone calls or emails. We have moved forward with a different bank, but are out the funds PNC charged and granted us no mortgage. We are inquiring about a refund for the funds loss totaling {$830.00}.
Product: Credit reporting or other personal consumer reports

I am alarmed about the credit inquiries in my report which I don't recognize and could have been used for fraud, this is really concerning because I did not authorized or consented with these companies to pull up my credit report it's stressing me out and making me XXXX.
Product: Checking or savings account

I submitted a dispute on XX/XX/XXXX for the two charges that were taken from my account while I was in basic training I had my debit card and all of my stuff with me at all times in the charges were made in a different state at a XXXX in the amounts of {$940.00} and then another one for {$43.00} on the same day I submitted the disputes and have contacted the institution over and over again to try to get some understanding of why the dispute was declined claiming that the chip was used during the transaction when that's impossible because my card was with me in another state which I have documentation showing I was in basic training. I since called and tried to reopen the dispute was told that it was but have gotten no response I seriously would like to try to recover these funds.
Product: Debt collection

Was contacted by a collections agency about a debt owned I allegedly owed to them to the amount of {$2700.00} for a XXXX XXXX. How ever in an attempt to valid this debt I received information that violates XXXX law that required the creation of national standards to protect sensitive patient heatlh info from being disclosed without patient 's consent or knowledge.
Product: Prepaid card

I received an American Express gift card containing {$300.00}. I confirmed online that the card is active and contains {$300.00}. I have been unable to use it anywhere ( physical or online ). I called customer service, but they could not provide me any solutions.
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  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXXXX XX/XX/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 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: Prepaid card

I got a prepaid {$150.00} Amex card and every store I try to use it at, it gets declined. I checked the balance on Amex gift card and shows {$150.00} but wont let me use at 2 different stores. I XXXX it and seems like a very common issue
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Absolute Resolutions XXXX XXXX  Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX. XXXX XXXX : Account Number ending in XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. 
Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX  ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX  documentation
Product: Mortgage

Attn : Mortgage Loan # ... XXXX ( Guaranteed rate ) Transferred to # ... XXXX ( Chase ) Company : Guaranteed Rate/Chase I have the above-mentioned mortgage with Guaranteed rate XXXX  that was transferred over to Chase. There is an outstanding escrow payment that they are asking me to pay. 

I had purchased a house in XX/XX/XXXX  and got an Insurance from XXXX and paid the entire year amount due in escrow to Guaranteed Rate When the Payment was due and XXXX asked their escrow department, Guaranteed rate had missed sending the amount despite multiple warnings from me and the Insurance. They had mentioned that they have sent the insurance payment and I don't have to worry about it. 

Payment was sent late and the Insurance company cancelled my policy retrospectively and sent me the payment.

Guaranteed rate had then placed a Lender placed insurance at an high price on my behalf and sent me the bill. I had refuted this and they said they will review it and fix it. 

In the mean time they had transferred my loan to Chase and Chase asked me for the amount for the Lender Placed Insurance ( LPI ) When I conferenced with them with Chase they had mentioned they will cover it ( See secure message from chase as a result of the conference attached ). 

Guaranteed rate said that it was paid for by Guaranteed rate but Chase has to straighten its record. 

Chase dispute resolution had reached out to them and are notifying me that I owe the amount as they are unable to resolve this with Guaranteed rate. 

I have provided all evidence both to Guaranteed rate and Chase for the same. 

It is unfair to have me pay for a lapse that was caused by Lender despite me having paid the amount for a full year. Putting consumers like me who pay the dues on time despite the pandemic and Penalizing us for a mistake they had performed is unacceptable and the Mortgage companies should be made to take accountability. 

Please call me at XXXX XXXX XXXX should you need more information. I can provide all information and evidence for the above. 

Thanks XXXX XXXX
Product: Debt collection

I received Bills from Grant Mercantile Agency , Inc phone XXXX/www.paygma.com/ address : XXXX XXXX XXXX, XXXX, CA XXXX, for a medical bills for {$340.00} from original creditor XXXX XXXX  phone number XXXX. The collection agency account number for this bills is XXXX, creditor ref # XXXX. Last Charge at Creditor is XX/XX/XXXX. 

I did my research and track this down and I found out that this medical facility is in XXXX, CA and we live in XXXX which is 3 hours drive apart. I've never been to this place. 

When I called and talked to them, they're saying that they do really have a records of me making an appointment and said that I missed my appointment. And they also said that just talk to the Collection Agency. Like I said, I don't know this people, I've never had business with them, they are 3 hours away from where I live, this could be also a Identity Theft, and that is what I'm going to do is to report a ID  Theft for this fraud. 

Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I entered a forbearance plan with my mortgage company, Movement Mortgage. Shortly after, Movement Mortgage hit my credit with a 60 days late during the forbearance period of XX/XX/2021 to XX/XX/2021. I contacted them about the issue and they sent me a credit correction letter and assured me the information would be updated and it was temporarily. My credit was restored and the late reports were removed. I continued making payments as instructed by Movement Mortgage for the months XXXX, XXXX, and XX/XX/2021 and was officially removed from the forbearance plan. I then paid the remaining balance for the months missed in XXXX, XXXX, and XX/XX/2021 during the forbearance when I made the XX/XX/2021 payment. This particular payment in XXXX was for over {$12000.00}. Therefore, I was caught up completely and never paid anything late. Sometime after making the large payment in XXXX, Movement Mortgage reported another 60 day late to the credit bureaus, despite all my payments being made according to their direction. I have contacted the company ( Movement Mortgage ) for more than 30 days and have received no cooperation in fixing the matter. Movement Mortgage denies reporting late payments to the credit bureaus entirely. I have filed disputes with the credit bureaus and I am still waiting on the results from XXXX and XXXX. XXXX however, sustained the late notices on my account which has continued to negatively affect my credit and has prevented my wife and I from purchasing and financing a much needed vehicle. Furthermore, the documents submitted to XXXX by Movement Mortgage are inaccurate and do not show valid payment history as it was paid and received. Based on the above, the months for which I am being reported late should have been covered under the forbearance plan by law. I have copies of all of the documents required to prove this case with a doubt. It is my request to file a complaint with both Movement Mortgage and the XXXX reporting agency. I would also like these documents supporting my case to be afforded to XXXX and XXXX so that I may clear my name in this matter. Attached you will find redacted documents showing the payments being made from my bank account. You will also find a copies of the credit correction letter and forbearance letter sent to me from Movement Mortgage. I have included the delinquency pages from all three credit bureaus as well as the sustained results from XXXX. Thank you for time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to Transunion Credit Bureau to revise my credit report information on the phone application XXXX XXXX  sponsored by XXXX XXXX. I received no response. XXXX XXXX was emailed directly and failed to respond.
Product: Credit reporting or other personal consumer reports

Hello CFPB, I am filing this complaint on the three credit bureaus. 

I am informed XXXX, XXXX and Equifax XXXX XXXX XXXX was result of Identify theft.. 

Each credit Bureau informed me they sent my dispute to XXXX XXXX XXXX and it can take up to 30 days to be investigated. 
: My complaint is regarding the following statue : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 15 U.S. Code 1681c2 says the following : ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of.

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I want to remind all CRA of statue 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This capital one account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such had failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures allign with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit report standings. I am requesting immediate corrective action to remove or amend the disputed accounts.as Experian inaction violates federal law an my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : SS # : XXXX To whom it may concern, I, XXXX XXXX XXXX never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 


15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6100.00}
Product: Debt collection

XXXX XXXX left a very threatening message on my work voicemail that I have saved. I have faxed and emailed Cease and Decease letters to NCR so I left a voicemail invoking this. But they are still calling work and family members