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

Why would the Pentagon Federal Credit Union place me into a mitigation program when I have never been late on a mortgage payment? Because they intentionally created a late payment when the loan for the balloon payment was being processed, so they could place this account into mitigation and they would not have to go forward with a risky foreclosure on a XXXX XXXX XXXX, XXXX veteran. I have been a member with PenFed for 40 years. A first mortgage for 20 years and a second mortgage for 15 years with several credit cards and have never defaulted on any of my obligations. I have immaculate financial integrity. XXXX years ago, the PenFed representative talked me into a interest only loan, so bad they do not offer it anymore. It matured in XX/XX/2023. In XXXX I submitted an application to pay that loan off. With artificial qualifiers, they said I did not qualify ( I had already been paying that loan for 15 years ). They intentionally delayed their processing by asking for superfluous information, information they already had, claiming I owned a home that I didn't, failing to submit subordination paperwork to the SBA causing the 2nd mortgage loan balloon payment to become due while they had control and custody of that loan. Then they submitted to the credit bureau a late mortgage payment, allowing them to put me into mitigation and prevents me from obtaining a mortgage loan from other lenders to pay off the PenFed loan. a perpetual interest only payment. I implored to the loan offer to correct their mistake, he refused. I contacted XXXX XXXX, on the Board of Directors and he took sides with an incomplete narrative, which lacked full disclosure, from his employee. I contend Penfed was unjust in submitting a late mortgage payment to the credit bureau when they had custody of that loan and had plenty of time to process new payments, which I can clearly afford to pay. Now, they have stolen {$210000.00} from me. The amount another mortgage loan company was at the cusp of approving until the credit bureau flagged my account. I can not pay off Penfed as long as I have a missed mortgage payment recorded with the credit bureau
Product: Mortgage

This has to be a strange chain of events. I was discharged from Chapter XXXX bankruptcy in XXXX of 2018. The reason I filed bankruptcy was divorce and XXXX. Over that time I worked extremely hard to get back on track with life and my finances. The house that XXXX serviced is still not sold but I was able to secure an FHA loan this XXXX and before my first payment, my new loan was sold to XXXX. Now Ive already been down the road of having to file multiple complaints against this company for debt contact or false statements on my credit report after the bankruptcy to the point that the state AG was involved. But how can I talk to this company when legally we arent supposed to talk and they already have me stuck on a title for a home I can not sell, they will not sell and is why I want FHA since mortgage cant use my VA loan again until they sell the home? 
On XX/XX/XXXX, I set up two things on their site. One was a one time payment which was scheduled for XXXX. The due date of the payment. The other is for automatic withdrawal. Ive been on hold for 34 minutes trying to talk to someone. My payment has still not come out of my bank account. Which btw, considering the past issues Im not sure its ethical for the bankruptcy business should have new access to my financial information moreover any access to my account - what if they try to take funds for the other account Im discharged from? 
Interest in a mortgage is a daily thing. Today is XXXX. Their site and the email confirmation said it would come out that day. The funds are in my account. I have validated no issues and called XXXX XXXX XXXX already. There is no pending withdrawal from this organization. I have been told by my bankruptcy attorney that is should not say yes to any questions from Them authorizing them to start harassing me again. Well how can I do that when again theyve purchased my new loan? Bankruptcy and recovery from it should not be his hard. Most people dont recover as fast as I did but I made it and Id like to not have to go through this personal XXXX again
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I wrote to trans union, XXXX, XXXX about incorrect address and names on credit profile. They refused to remove it so Im asking for your help. 

1 ) My name is XXXX XXXX XXXX ) I live at XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX GA XXXX. 
3 ) I work at XXXX XXXX XXXX XXXX
Product: Debt collection

I had a unpaid debt show up on my personal credit report that is not something I owe. It was filed by SEQUIUM ASSET SOLUTIONS , LLC in the amount of {$920.00}. It was reported by XXXX. In contacting SEQUIUM ASSET SOLUTIONS , LLC they say it is under another person 's name so they will not speak with me. This debt on my credit report has lowered my credit score substantially and cause me serious financial damage. It was put on my credit report starting XX/XX/XXXX and I have already lost over $ 100K as a result.
Product: Credit card

So I had just opened the card earlier this year or the ending of last year and havent used it so sometime in XXXX- XXXX I called to see what my limit was and they said I had a current balance of {$1200.00} and it was shocking because I have t used it I called to make a compliant and filing fraud I even spoke to the merchant where the card was used and they cant pull up a transaction because it was never used I have proof of that conversation but prosper keeps saying Im still at fault I havent used the card so I shouldnt be held responsible for using a card I didnt even use
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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: Debt collection

This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX  misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Mortgage

I currently owe less than {$77000.00} on my primary residence of over 6 years. My XXXX is less than XXXX XXXX. The original purchase price was {$99000.00}. By law my PMI should have been removed. I've already requested removal of PMI by mail and was denied. My payments are up to date in good standing, with additional payments to principal made monthly. Truist has violated the XXXX by refusing to remove PMI even after a written request.
Product: Credit reporting or other personal consumer reports

Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate opening dates, inaccurate reporting dates and inaccurate credit limits. 

XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX have violated my rights. 

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
Product: Student loan

XXXX XXXX, XXXX : Received email from MOHELA stating my student loan was forgiven. I called them to confirm, and they confirmed. 

XXXX XXXX, XXXX : Received email from Biden /Harris administration that my student loan was forgiven. 

XX/XX/XXXX : Checked credit report and confirmed the loan was closed and paid in full. 

XXXX XXXX, XXXX : Received email stating loan was to be repaid. Called MOHELA and they said it was an error due to their system being updated. 

Continued receiving emails from MOHELA and continue to receive emails since. I have called and spoken ( about once every XXXX weeks ) with a customer representative and management and they continue to tell me they will fix the error, send me a letter stating this and I would not receive any further correspondence from them. All correspondence from MOHELA to me have been automated emails.
Product: Credit card or prepaid card

On XX/XX/2020 I attempted to Transfer funds to my XXXX XXXX account with my ReliaCard. I called XXXX XXXX just to make sure my money got there and they said the account was closed also that I should get the money back within two days. I called ReliaCard sat on hold with them for three hours in total and three different calls and I still did not get an answer and I also did not receive the funds back in my Reliacard account.Every other service is excellent. This is not a complaint with their company in general I just would like my money and I also have screenshots of the day I Transfer the funds and the hours I sat on the phone.
Product: Credit card or prepaid card

I made payment to Indigo card on XX/XX/2021 they are telling me it will take up to 14 days for the balance to update on card how is this fair I paid my bill XX/XX/XXXX but I cant use it for 14days how is this fair that they take my money n I get no credit for it for 14days this is ridiculous n so unfair XXXX XXXX XXXX
Product: Student loan

my school closed I was told if a school closes all debt is null and void yet i get letter after letter asking for repayment
Product: Credit reporting or other personal consumer reports

TransUnion account. 

Able to create an account ; however, shows as processing and never goes any further. 

Verified account created by be able to log into website. No email, or anything to verify account created. 

Have tried multiple times to freeze credit reporting on website but all it does is process. 

I don't know if credit reporting is froze or not. 

Have tried telephoning TransUnion and tried to contact online support ; however, I do not get a response from either. 

If my credit is frozen, how am I assured that when I need to unfreeze my credit reporting, I am going to be able to? 

Also, why are they requesting personal information, social security number, when I telephone TransUnion? It's a credit bureau reporting agency. They should know better. 

Gives me great assurance that a credit reporting bureau operates at top notch. 

This bureau should be shut down if they are not able to provide services.
Product: Debt collection

I would like to file a complaint against I C System Inc for not complying with the FDCPA, which requires that they notify me of a debt via mail. I did not receive notification of debt by mail or telephone. I was notified by XXXX  credit agency that I have a collection account that drastically dropped my credit score. 

On XX/XX/XXXX, at XXXX, I received an alert from XXXX  that a change occurred on my credit report. I logged onto the XXXX  site and noticed my credit score dropped 30 points due to a collection file submitted by I C System Inc, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The amount is {$360.00}, and the original creditor is XXXX XXXX XXXX  XXXX. 

I called I C System Inc at XXXX XXXX  and spoke with debt collector XXXX XXXX. Our call lasted 9 minutes. Mr. XXXX asked me to verify my address at the beginning of the call. I gave him my current address, which I have lived at since XX/XX/XXXX. Mr. XXXX asked me to verify my previous address, I gave him the previous address I resided at for 3 years prior to moving to my current address. Mr. XXXX asked if I ever had a PO BOX , and I replied, " No ''. I repeated my previous address again. Mr. XXXX asked me again if I ever had a PO BOX address. I told Mr. XXXX I have never had a PO BOX in the state of Georgia. ( I have lived in the state of Georgia for 5 years ). Mr. XXXX asked me to repeat my current address and asked if the number I was calling from was a good number to contact me. I told Mr. XXXX bill was invalid and should have been covered by my previous health insurance company. Mr. XXXX told me debt was for date of service XX/XX/XXXX, and my statute of limitation has run out to get my insurance company to cover it. Mr. XXXX said he has been in this business for a long time and was certain I was too late to submit to my previous insurance company. Mr. XXXX asked me to allow 30 days for him to receive an initial bill from the creditor that I could submit to my insurance company. He also suggested I contact creditor directly. 

I disputed item with XXXX, and I C System reported the item as being correct. I was not given the opportunity to address this debt and get it resolved once it was sent to their office. Mr. XXXX confirmed on their recorded line that they had a PO BOX address for me. I am certain that the USPS would have returned invalid mail to their office.
Product: Debt collection

EOS CCA aka Collecto Inc, of XXXX XXXX XXXX XXXX, MA XXXX has illegally re-aged a debt that has been defaulted on and reported on my credit report ( by their own admission ) since XX/XX/2017. EOS CCA has illegally re-aged this debt on two separate occasions. Which on both separate occasions my credit score has decreased significantly. 
I have also contacted XXXX  for a copy of my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with all three credit bureaus more than once now since XX/XX/2020 about accounts on my report that don't belong to me. Someone stole my identity and I filed a police report with XXXX XXXX Metro Police and identity theft report as well. After going back and forth multiple times with all three credit bureaus disputing these accounts they have still not been removed from my report. I provided everything they asked for and they have nothing showing my actual signature on these accounts or anything proving otherwise. They keep putting them back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}.
Product: Credit reporting or other personal consumer reports

Recently XXXX companies ( XXXX XXXX and XXXX XXXX XXXX XXXX, sent me letters of data breaches where information on me was compromised. I was advised to put a security freeze on my credit files at XXXX, Experian XXXX XXXX. XXXX XXXX XXXX were a breeze and I was able to do this in XXXX or XXXX minutes each. 

I have spent many hours over multiple days trying to set up an Experian account. Their website appears simple but always produces an error indicating they are experiencing technical difficulties ; try again. I have used multiple devices ( computer/phone ) and many browsers to no avail. Their online help systems send me in circles. I have called them many times on many numbers but their automated telephone menus send me in circles. I have not found a way to talk to a live person or report an issue with them without already having an account. 

I have found Experian monitoring sites that indicate there is no problem with their system. 

I have found online blogs where other users have had similar problems. Most try for days, weeks, or months and eventually give up. Some have reported this kind of issue recently while others go back many years. 

Experian has a powerful role in the finances of ordinary people. Yet they make it very difficult if not impossible to report the most basic technical issues. 

I understand that setting up accounts may not be the typical complaint you are accustomed to. However, this is a fundamental service that they should provide. I would very much like to deal with them directly on this issue but I found it beyond my abilities to find a way to contact them and am not alone. It shouldn't be this hard. I'm exhausted, they deserve a complaint. 

I am a XXXX XXXX XXXX XXXX XXXX ) and I'm extremely proficient in using them. If I'm having difficulty I'm sure there are many others with the same issue. 

Note : I was eventually able to freeze my Experian credit report without setting up an account ; that is not my complaint. My complaint is I haven't been able to set up an account or contact them about the problem I'm having.
Product: Debt collection

Received a notice from Jefferson Capital XXXX a debt from XXXX XXXX for {$110.00} which was not verified and was already written off. 

Jefferson Capital is a junk debt buyer. 

I know nothing about this, and they need to cease and desist.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they remove this account from my credit report but I was told that this would not be happening. I was called today from the CEO 's office of USAA regarding this debt and I advised them that this no longer is my debt since they charged it off around XX/XX/XXXX. They sold this debt to 2 or 3 other collection agencies over the years. As of XXXX, USAA updated my credit report due to the XXXX  report that I filed earlier in XXXX and it's still INCORRECT. They've listed my payment status as in collections/charge-off since XXXX and my last payment was XXXX. The other incorrect information is that the loan was closed on XX/XX/XXXX. 

I am XXXX XXXX XXXXXXXX veteran. I can not deal with this harassment any longer.
Product: Student loan

Naivent  offered me a settlement of {$8600.00} for  XXXX  private loans totaling {$29000.00} Last  XXXX . I paid the {$8600.00} and was told I would receive a lett er in 30 -60 d ays saying 'congratulations on paying off your student loan '. Well I never received the letter and the loans are still open saying I made a payment in  XXXX  but now they are past due. I ca n't get anyone at naivent to fix this for me and Now it 's hitting my credit report every month. I 've called naivent and they repeatedly say 'let me transfer you to the right department and I get hung up on. I finally t alked to one person after three tries and was rudely told I need to contact them by a different number.
Product: Credit reporting

There is a hard inquiry on my Equifax credit report by XXXX dated XXXX XXXX, 2016. I think this is fraudulent.
Product: Consumer Loan

I got a loan a while back with XXXX, back then I was not able to pay the loan so I called them and ask to take it back. After after months I got a letter that I had a balance with then and send it to collections. I have been paying this lean for over XXXX yrs and it seems I never pay it off. it seems that this lawyer is trying to make more money then what the balance was. I have paid more then what was owed. I had talk to someone and told me that I had paid more that I owed but I was still paying instrest, I need help I do n't know what to do to protect my self. 

I will like for someone to help me get read of this guy and to let them know that I have paid more the enough. My name is XXXX address is XXXX XXXX ca XXXX phone number is XXXX. 

XXXX case number XXXX XXXX # XXXX XXXX CA XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to their inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Thus leaving my account vulnerable and unprotected. Further more the dispute resolution process was deceptive. They didnt comply with resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have cause significant financial loss and I seek appropriate compensation for said violations.
Product: Debt collection

This is a follow up complaint against Spring Oaks Capital , LLC reporting an alleged collection account against me on my XXXX credit profile. I have received the Bill of Sale and assignment document reflecting the transfer to Spring Oaks Capital , LLC but no one from this company has sent me the original Purchase Agreement. I am requesting the original Purchase Agreement immediately. I looked up Spring Oaks Capital , LLC on the XXXX and can't find any Collection Agency License for the State of Minnesota. I have submitted a copt of my findings for the CFPB, Attorney General 's Office and XXXX to take a look at. Springs Oaks Capital isn't licensed anywhere from where I can see to conduct business collecting in the State of Minnesota. It is my point of view that violations against the Fair Debt Collection Practices Act have been committed. If Spring Oaks Capital doesn't want to pay monetary violations, I'm requesting this be immediately removed from my credit. This is my final attempt to clear this matter up before legal action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CAME BACK VIRIFYNG A INQUIRY ON MY REPORT BUT THEY FAIL TO PROVIDE VALID DOCUMENTATION THAT INDEED THIS HARD INQUIRY WAS APROVE BY MY PERSON
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from all 3 of the major reporting agencies are being pulled by XXXX XXXX   XXXX. Address of the company is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, Phone Number XXXX Per my conversation with them they indicated that Reliance First Capital requested it and they are just the contracted agency and they work for Reliance. I explained to Mr. XXXX XXXX and others from XXXX XXXX XXXX that neither Reliance nor they had my permission to pull my credit report. 

I have had 4 hard inquires now and it is affecting my credit. 

This is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although XXXX, XXXX and TransUnion did remove " some '' of the unauthorized accounts and inquires, a few more remain.