23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( XXXX ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I worked throughout the Fall to prepare for the best option for my situation. I attended a seminar hosted by XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX, on XX/XX/2021. Registered under the email address XXXX Scheduled a follow-up meeting with a XXXX XXXX  XXXX counselor XXXX XXXX on XX/XX/2021. I spoke to XXXX XXXX and he forwarded my information to XXXX XXXX of Community Loan Servicing. I spoke to XXXX XXXX on XX/XX/2021 about my situation and desire to remain in my home. NONE for those actions seem to be noted in the company 's files for my home. Also, none of that was mentioned in a previous complaint XXXX. The company seemed to take the position that I had not taken actions to reengage in payments for my home. I want to be clear that XXXX XXXX XXXX is and was engaged as a counseloXXXX for Community Loan Servicing and that my records are accurately noted.
Product: Credit reporting or other personal consumer reports

I have discovered fraudulent inquiries on my credit report, specifically with Equifax. I first notified the companies involved and then filed an FTC report, which I have attached for your reference. Following this, I informed Equifax, but they have not taken action to remove the fraudulent inquiries yet. 

XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 This situation is causing significant damage, with losses amounting to thousands of dollars, as I can not get approved for credit. I urgently request your assistance in having Equifax remove these inquiries. Thank you for your prompt attention to this matter.
Product: Student loan

XXXX. Department of Education website indicates for Unsubsidized Single Consolidation loan : no payment due and no due date, XXXX $ total to be paid, placed in forbearance by Department of Education, with Loan forgiveness is to be granted XX/XX/XXXX as part of SAVE program full implementation including Deferment and Forbearance periods covering 20-25 years.

2. Ed Financial notes for the single consolidation loan that program is in IDR-but 10 years of payments are due, 120 payments of {$3400.00} each month, ending in XXXX. XXXX XXXX : " Repayment schedule : IDR. Your first monthly payment is due on XX/XX/XXXX. Monthly Payment Amount : {$3400.00} '' 3. Ed Financial earlier established a payment due date in XXXX and XXXX and payments were submitted for both months, along with 38 months worth of payments at {$16.00} per payment aimed at reducing interest charges.

4. Ed Financial has to publish information and follow procedures and directives consistent with Dept of Education website and guidelines and not publish payment due dates and time frames for loan repayments which were never agreed to or approved by the Department of Education, along with selected amounts of their own choosing.
Product: Mortgage

We requested loan payoff amount from Carrington Mortgage Service, as the house is being sold. We were told that we could only request the amount via email, which we did. They took 10 days to respond with the payoff amount and instructions. Carrington Mortgage also told XXXX XXXX XXXX on XXXX XXXX that they could not provide a payoff amount to them as they were preparing to closing papers, because the house was in " pre-forclosure, '' although Carrington had told the customer that we had until XXXX XXXX to update them on the situation. This is one of several examples of Carrington not being transparent and trying to confuse both the customer and the title company in order to delay the payoff and continue to gain more interest and fees. 

Once the customer we received the amount and instructions on XXXX XX/XX/XXXX ( after waiting 10 days ), the title company verified the payoff amount and instructions with Carrington Mortgage, and scheduled the closing date to comply with the seven day window that the Carrington instructions indicated. However, once the payout funds were sent and receipt verified, and the closing was complete, Carrington Mortgage sent an email to us ( customer ) saying that the payoff amount was no longer valid.

Carrington used misinformation, confusion, pressure and shared different information with the title company and the customers in order to try to get {$3000.00} more than the official payoff amount within 14 hours of the payoff amount being sent and received. Carraington Mortgage also wasn't willing to break down the additional fees when XXXX XXXX XXXX called them on XXXX XXXX to inquire about the claims for additonal funds. 

At no time during communication with Carrington Mortgage over XXXX and a half months of communicating with them did I, as the consumer, feel safe or that I could rely on the information they gave me. Communication was either very slow, incomplete, confusing or meant to scare the consumer and the title company. It felt like a predatory situation and in fact was. They also used tactics of divide and conquer between the consumer and the title company.
Product: Credit card

its two CapitalOne account open on my name that dnt belong to me. i have call CapitalOne. 
file a complaint that its fraud and the address have never live. please i need fixing this thank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into hands of the wrong person. ''
Product: Credit reporting or other personal consumer reports

I am still trying to get a XXXX - c from XXXX XXXX and I can't get XXXX and I also have submitted previously a request for arbitration I am afforded that luxury according to the account disclosure the last one I sent I called them and ask what was the status of my request and I was told that they weren't going to do anything about my request because I didn't file it correctly and I am sending a copy of my request that I sent to XXXX XXXX XXXX. This is the fourth or fifth complaint that I ha XXXX lodged against XXXX XXXX XXXX  in the last year and NOTHING has been done about it and now something has to be done about this company they are not above the law.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXXXXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know where you guys got this personal information you included in my credit report but I wish to remove everything that is not mine as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of the credit reporting agencies ( XXXX and Experian ) and the debt collector [ XXXX XXXX XXXX ] to verify disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



On XX/XX/2023, over 60 days ago, I filed a dispute regarding : XXXX XXXX XXXX Account Number : XXXX on my credit report. As per FCRA 1681i ( a ), the credit reporting agencies are required to conduct a reasonable investigation and respond within 30 days. Additionally, under FDCPA 809 ( b ), the debt collector is also required to provide verification of the debt upon request. It has now been 77 days, and neither the credit reporting agencies nor the debt collector have provided any verification or response regarding the disputed item.

The presence of this unverified information on my credit report and the failure of the debt collector to verify the debt have adversely affected me i invested XXXX on a business and currently trying to get it funded and because of there action I'm missing on a XXXX funding process because i keep getting denied.

According to FCRA 1681i ( a ) ( 5 ) ( A ), if the credit reporting agencies are unable to verify the disputed information within the required timeframe, they are obligated to delete the item from my credit report. Furthermore, under FDCPA 809 ( b ), if the debt collector can not verify the debt, they should cease collection efforts. Given that it has been XXXX  days without verification from either party, I am requesting the CFPBs assistance in ensuring that the unverified information is removed from my credit report and that the debt collector ceases collection activities as mandated by federal law.
Product: Checking or savings account

My account got frozen XX/XX/2024 without informing me why. Ive reach out every way I possibly could calling 50 times plus, emailing CEOs and everyone that could possibly help, live chats, social media, The better business bureau, every way I possibly could. Nobody can tell me why my account was frozen everyone keep saying a department is going to reach out via email and they havent for a week and this supposedly department doesnt have a phone number doesnt have a email I could reach out to doesnt have a name. Nobody could tell me why my account was frozen for no reason there is no fraud on that account. The money is straight from the IRS, theres no reason the account should be locked. They reached out before they froze my account. They wanted a picture of my ID front and back. I sent the pictures and they still cant tell me why my account is frozen everyone I talk to says they dont know nothing I called multiple times a day I email multiple times a day , Ive tried everything and still cant get no response. I cant even close my account with them. Nobodys reaching out to me and I need my money. I have a toddler I am a single mom and those are my funds that I need to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XXXX is violating my rights and the Fair Credit Reporting Act in particular 15 USC 1681 s-2 which governs furnishers if information. The law prevents furnishers of information from reporting income which is what XXXX is doing in the form of reporting a charge off which they reported bad debt and therefore deducted as income.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income.

The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX is a furnisher of information to a consumer reporting agency. 

XXXX is PROHIBITED BY LAW to furnish inaccurate information. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 And in addition they are continuing to report my account as late payments as well which is another violation. 

After seeing the inaccuracies On or around XXXX XXXX I sent a dispute letter to XXXX expecting for my concerns to be taken seriously and corrected as the law specifies. On XXXX I received a form letter back with a blanket denial which one of them stating that I had sent a dispute before, which I had for an unrelated issue. Instead of giving my correspondence the respect that it deserved they systematically denied it. 

XXXX has been in violation of the Fair Credit Reporting laws numerous times in the past and in fact recently just lost a large judgement for similar behavior which shows a pattern of intent to damage and defraud the public and is not learning from past judgments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report are reporting inaccurately. I have sent in letters to the Experian, XXXX, & XXXX to dispute, and it just seems like they are not doing their job correctly. Some accounts are reporting 30 days late multiple times. When it was only late once. Accounts that have been paid and agreed to be removed have not been removed from the credit report. I have requested that balances be updated and they still have not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint against XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I 've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 
For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it 's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

For two, there are three accounts, in particular which they just refuse to investigate ( XXXX XXXX, XXXX & XXXX XXXX ), yet they turn around and tell me that these accounts were verified by the Creditor. However, I 've contacted the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

For three, I 've actually disputed with XXXX XXXX several timesdirectly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I 'm even in dispute with them via the Better Business Bureau. And I 've sent every piece of proof that both XXXX  and TransUnioncould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files becausethey continue to report erroneousaccounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they 're simply ignoring theproof that I 've sent them.
Product: Credit reporting or other personal consumer reports

I have tried calling Experian and using their online system to remove dispute notations, but their automated phone system will not allow you to talk to a real person and their online system does not allow you to request to remove dispute notations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing 6 accounts on my credit report on three bureaus that are not mine they do not belong to me I have tried calling and disputing these accounts as well as sending letters to the bureaus and the furnishers and nothing is being done about this it is identity theft I have not applied or used or even know what these accounts are in my credit I need them off my credit report this is false showing of my credit account. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 ) bureaus. ( Please see pages 8 and 9 of the attached credit report. ) This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and inaccurate inquiries and aged collections on my XXXX, EXPERIAN, & XXXX credit report. According to the FCRA ( Fair Credit Reporting Act ). LEGALLY these unauthorized items must be removed. 
These are not in pursuit and do not belong to me whatsoever. I have no knowledge of these items ; 15 U.S.C 1681 B Furthermore, I have mailed verifiable information to all 3 Credit Bureaus multiple times with the intent of immediate removal. I have stated all unauthorized items on all 3 of my credit reports as well and they have REFUSED to cooperate.
Product: Student loan

I have made several attempts since XX/XX/2016 to correct my student loan balances with Nelnet Student Loan Services. Nelnet is insisting that I owe a balance of {$84000.00} in student loans but is unable to confirm to me where the total balance accurred from. I have went to each University in which I attended, obtained the account summary that shows all the loans taken out during my enrollment, and provide the information to Nelnet. The true amount of of loans taken out excluding any interest is only {$42000.00}. Even with that proof, Nelnet is insisting that I have over $ 80k in student loans without any proof. Nelnet has reported this balance to my credit report several times which is impacting my credit score but has failed to correct my balance.
Product: Debt collection

I called FCO and spoke with a XXXX XXXX I asked for something so I can see if this is our debt or not the CSR kept trying to verify over the phone and make me state that it was my debt. I told him that I do not know what this I want something sent but he was n't trying to me anything until I verified if it was mine, hence me needing documents he said they have had it since XXXX/XXXX/2014 I have not received anything to verify or dispute this and we would like this removed from our credit if indeed this is not ours.
Product: Mortgage

Hello, my name is XXXX XXXX and I have a mortgage with Bank of America. The Mortgage # is XXXX. My wife XXXX is also on the loan. I am a retiree from the Bank. 
I am XXXX and get paid on the XXXX Wednesday of each month. I have late charges that I have asked to be reversed due to the fact that the Bank says they cant change the due date. 
The late charges are now showing past due on our credit reports. 
Cab you assist?
Product: Mortgage

I sold my home XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/2020. Prior to this I did a loan modification with Wells Fargo because I was behind on my payments. I believe additional fees and costs were added to the loan when the modification was completed. When I sold the home the total owed due to modification was approximately XXXX. I was no where near delinquent to this amount Prior to the modification.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX continue to violate federal law with not preforming consumer disputes investigations per federal law. All three bureaus continue to use information that they are obtaining directly from the creditors which is against federal law and a direct violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX and on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX with out my permission or consent added one hard inquiry each for a total of two hard inquires to my consumer credit report with TransUnion Credit Bureau. This was in direct violation of 15 U.S.C. 1681 section 602 A. my right to privacy, 15 U.S.C. 1681 Section 604 A Section 2 : stating a consumer reporting agency can not furnish a account without my written instructions, and 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.