23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My ex-husband- XXXX XXXX-divorced over a year ago. The mortgage ( # XXXX-through Quicken Loans ) was solely in his name. I got an Assumption and was able to put the mortgage solely in my name approximately 6 months ago. The mortgage has been put in my name. XXXX also signed a Quit-Claim Deed for this property ( XXXX XXXX XXXX, XXXX XXXX, Ga. XXXX ). I filed it at the XXXX County Tax Assessors office. The title is in my name. Quicken Loans has refused to give me online access. The highest level officer I have spoken with, XXXX XXXX, told me the reason I can not have online access to my mortgage is because it was acquired through assumption and since the way the original loan was obtained ( through my ex-huband 's information ), his information is still online in that file. I asked them if they could put his information in a separate folder. He said no. If I wanted to know anything about my mortgage, I had to call or email. I could not have an online account like other customers. When it was time to file my taxes, I could not obtain the information I needed. I had to wait on hold for a representative and ask them to please mail me the information. I went online with a Quicken Loan representative and asked her if a customer of Quicken Loans obtains a mortgage through assumption, do they get online access like other customers. She said yes, they do. I downloaded this conversation and emailed it to XXXX XXXX. His response was that he will forward this information to a leader for review. A leader called me this morning ( XXXX? ). She apologized for the miscommunication and she said the person who told me I could have online access was dealt with. She then told me they are not working on giving me online access to my mortgage. Recently, my mortgage payment changed because of lack of escrow. I got a letter in the mail. I called to change my payment and I was on hold for more than an hour. This and other situations could have been avoided if I had online access like other customers.
Product: Credit card

I was traveling overseas in XXXX XXXX last year and lost my wallet at a restaurant while visiting a friend. I reported this immediately to Chase the next day when I realized this and called the restaurant to ask if anyone picked up my card. I received notice that my wallet was found. I went to get my wallet but noticed a large transaction had occurred on XX/XX/year> totaling {$1700.00} while it was lost. I told Chase about this and said that it wasn't me. I also told Chase that this was the only credit card I had overseas and that I would be overseas for another XXXX weeks and asked if it was ok to keep using this card and get it replaced when I returned. The Chase representative said that was fine. When I returned after a few weeks the Chase team that was overseeing my dispute said that it was not fraud since I had kept on using the card even though I reported it as fraud and asked permission to keep using it. In addition, I had said that I never have had a transaction this large and I provided photo evidence of me texting friends on that date saying that I had lost my card and photo evidence of me calling the restaurant. After 6 months I have still not had a resolution from them even after long waiting times and being confused at which team I was talking to. In addition, I have gotten very angry and confrontative phone calls directly from Chase employees regrading this matter. Please help.
Product: Mortgage

Re : Wells Fargo Home Mortgage Loan # XXXX - XXXX XXXX Please be informed that the above listed Loan with Wells Fargo Home Mortgage Loans was modified and reinstated In XXXX of 2016. I have requested that my new payment information to be updated with all the credit reporting agencies to reflect my new credit and good standing. However, when verification of this information was requested from both XXXX and XXXX, Wells Fargo failed to inform them of my reinstated loan and current payment status. This negligence on the part of Wells Fargo Home Mortgage Loans has had a negative impact on my credit file, and credit score since XXXX of 2016 when the mortgage reinstatement documents were signed by myself and Wells Fargo Home Mortgage Loans. 
Please correct this misinformation immediately and provide XXXX and myself with proof that my credit file accurately reflects my reinstated mortgage loan as of XXXX 2016 and all payments made by me to my account # XXXX in XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016 as of XXXX 2016 my loan should reflect 5 months of new activity but there is nothing. 
The Fair Credit Reporting Act states that this information should be reported and reported accurately as it is my right. 

Please forward to my address below written correspondence that this has been corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, Equifax, XXXX for failing to delete and correct multiple inaccurate and fraudulent items on my credit report despite formal requests. These inaccuracies include wrong addresses, false account reporting, and improperly reported bankruptcies. I am suffering significant financial and personal harm due to these errors, and XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) demands action.
Product: Debt collection

I had an XXXX done at XXXX XXXX hospital XX/XX/XXXX. I received a bill for {$1800.00} and paid it in full onXX/XX/XXXX. A month or so later I received another bill for the same XXXX claiming that I owe {$390.00}. I called the number on the paper 4-5 times requesting a call back ( via voicemail messages ) because I did not understand what I was being billed for. They never called me back, but continued to send threatening letters. On XX/XX/XXXX I received a letter from a law firm, XXXX XXXX, attempting to collect on the same bill for {$390.00}. I contacted the law firm and there was no answer so I left a message requesting a call back. I did not get a call back. I sent the law firm an email with an attachment showing the receipt of my payments and explained the situation. I never got a response to my email or a call back.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I am unaware of them, and the company acted without my consent.
Product: Credit reporting or other personal consumer reports

Inaccurate addresses were not removed from my report. The only accurate address that is valid is XXXX XXXX XXXX XXXX XXXX  DC XXXX. I have a fraud alert in my report via Experian and the other addresses except the DC  one was not removed after filing a dispute multiple times.
Product: Checking or savings account

I opened a CD online on XX/XX/23 with Citibank and selected for {$65000.00} to be transferred from my checking account to fund the CD. A few days later, I noticed that the funds were not transferred so I called customer service. I was told that the funds would be automatically transferred within the next 2 days. As of yesterday, it was not transferred, and the system did not allow me to move the funds online. I went to a branch to inquire, and the teller processed the transfer and provided a receipt. I confirmed that the funds were deposited in my CD account as I was able to view the balance online. Today, I logged in and the funds are missing. I called customer service and all I heard was that the funds were withdrawn, and the system is not showing a deposit to the CD account. I have a receipt from the branch, and no one seems to be able to figure out what's going on. Please assist.
Product: Debt collection

I have tried on three different occasions to have them validate this debt. They never reply ' all they do is update the notes on my credit report, which states, " Consumer disputes this account information Collection account. '' I have no idea what this debt it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, they are inaccurate.
Product: Money transfer, virtual currency, or money service

Paypal stated that since my credit card company disputed a charge on my behalf with them without my knowledge and it was denied for a fraudulent purchase that their Buyer 's Protection Program is void. It is not acceptable for Paypal to let scammers on their platform. My user id is XXXX with Paypal and there was a XXXX USD charge for a puppy I never received. I am just one person trying to fight this. Paypal says to try to contact the merchant. I have and the merchant does not reply. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a Private school loan with My XXXX XXXX  ( aka XXXX XXXX XXXX ) back in XXXX. At that time I was at the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. Please note this school has changed its name to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. In XXXX I transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I am presently enrolled. A few years ago, I noticed that XXXX XXXX XXXX ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in XXXX issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, XXXX is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs to STOP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights by reporting a fraudulent collection account to XXXX credit bureau. I have no open account with XXXX XXXX, nor have I ever done business with XXXX XXXX and/or with any business it may be representing. XXXX XXXX recently reported that an account was opened XX/XX/year>, with XXXX XXXX as the original creditor. I have had no communications of any type, and no business of any type with XXXX XXXX before its reporting of said fraudulent collection account to the credit bureau in the amount of {$1300.00}. I have received no communications regarding this fraudulent account from this fraudulent collection company. XXXX XXXX has violated my rights under the following codes : XXXX5 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX XXXX has violated my rights by continuously reporting an inaccurate collection account to XXXX credit bureau. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

Yes, my payment due date is the XXXX of every month on this card and new statement period is created three days after the due date. However, for the month of XXXX XXXX, I was told that that can speed it up, and that the statement period was reduce to begin on the XXXX of XXXX XXXX. I contacted customer service and they said they are doing this only for the holidays and that they have every right to do so. Is this legal? I also made two purchases on XXXX ( how could this be XXXX that are still pending. This is illegal. I had no prior notice of this.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, any incorrect accounts must be deleted from my credit report. These accounts have been inaccurately reported. I deserve {$1000.00} for each false entry on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$430.00} {$430.00} {$250.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Late 90 Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 TransUnion OK OK OK XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$970.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints with this company regarding this unverified account that is reporting on my credit file. This company ( XXXX XXXX XXXX ) provided protected health information without an authorization which is also a HIPAA violation. I have notified TransUnion of this violation and they refuse to comply with the law. TransUnion have repeatedly violated the FCRA by continuously reporting an unverified account that is in violation of HIPAA. I notified Transunion several times, and my last letter to them explaining that this company has to have a signed authorization before releasing any type of medical information to me or to anyone else. Transunion refuses to comply. Transunion is currently reporting this account as " Meets FCRA requirment '' which it DOES NOT meets FCRA requirements and Transunion must be held accountable if they refuse to follow the law regarding reporting an account that is in violation of HIPAA.
Product: Student loan

I have XXXX student loans with Naviet ( previously XXXX XXXX XXXX. I called to see if I could obtain a two month forbearance due to difficulities in making my payments because my husband is working less hours for the next two months. I did not qualify for a deference. Navient refused to allow a forebearance unless I paid a {$150.00} forbearance fee. Therefore, I am unable to forebear my loans for two months because I would have to pay a {$150.00} fee.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alliged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I see litigation for defamation of character ) XXXX  XXXX {$530.00}, XXXX {$0.00}. ( please remove these inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been disputing a student loan that has been off my credit report for XXXX recently appeared affecting my XXXX XXXX tremendously. I finally called XXXX Financial they acknowledged mistake and sent letters out to all XXXX XXXX XX/XX/2024 to have removed. XXXX and XXXX took it off but dropped my XXXX XXXX almost XXXX! I had XXXX XXXX XXXX XXXX XXXX XXXX i paid off and the other I applied XXXX to the other with an arrangement of {$150.00} mthly ( not reporting ). They took Almost XXXX point off my score because of this debt originally. Ive paid off XXXX and they gave me only XXXX. XX/XX/2024 my XXXX XXXX was XXXX XX/XX/2024 it drops almost XXXX. This is not right! This is a noticeable trend amongst XXXX people and its unfair and unjust! I want to file lawsuit for false reporting and intentionally using their position to enable me a fair life!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX TransUnion is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is XXXX XXXX
Product: Debt collection

I XXXX XXXX contacted Credit Control Service in regards to a balance of {$100.00} reporting on my credit report. I do not even know if this collection is a valid collection. The only reason that I paid the collection is because I am in the process of purchasing a home and this one account is causing me to not be able to close on my home loan. When I called I told the representative that I was in the process of purchasing a home and needed to have this account deleted from my credit and that I was willing to pay it even though I was not certain that this was a valid debt. The representative told me that the account would be paid in full and that it would be deleted from my credit. When I did not receive the email or document stating that the account would be deleted, I called back in to Credit Control Service and the representative then stated that He was unable to provide me a letter of deletion and that they were not agreeing to delete the account from my credit report. They only sent me a paid in full letter, which is not what I needed. And again I am not even certain that this collection was a valid collection that I owed but I paid it because I am in the process of purchasing a home. This has now delayed my closing on this home and I may even lose the home since I have not been able to get this off of my credit. I am going to lose {$3000.00} in earnest money and {$690.00} in appraisal and {$400.00} in inspection fees due to Credit Control Services giving false information after taking my payment for an account that may not even be a valid collection account on my credit report.