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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXXACCOUNT Account Number : XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE OPENED AND LAST PAYMENT Account Name : XXXX Account NumberXXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Account Name : XXXX  Account Number:XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures forincluding information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : driver 's id proof of address social security letter to the credit bureau images of each account with incsartitu
Product: Mortgage

Mortgage company Seterus has not reported my mortgage payments to any of the credit agencies. XXXX XXXX XXXX sold the loan to Seterus XX/XX/XXXX right in the middle of me refinancing and I have not been able to refinance because Seterus has not reported anything to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Mortgage

I applied for a Refi on an existing loan with Quicken Loans also a purchase loan for a new home. This was on approx. XX/XX/18 for both of these loans. I gave all relevant info and did the applications for both. Got a pre approval for the purchase loan. During the process I noticed that the fees on the loan closing estimate papers kept going up and was higher then what I believed was normal. I was told by the mortgage agent is usually higher on the estimate but it most of the time will go down. I completed all required paperwork got the appraisals done etc.. After doing this the loan interest rate changed after I was told I locked in the interest for 30 days. Then the closing costs and fees went higher. I brought it to the agent attention with Quicken loan and asked for a supervisor to contact me. That's when things took a turn, the supervisor that contacted me was less then polite. Because I continued to push the issue and claim that I was being guided into higher interest loans that my high credit score doesn't warrant my loan was denied. The official reason was that I couldn't prove that I had moved into my house for the Refi over 5 years ago. They wanted a phone bill in my name or proof of moving expenses. Quicken Loans cost me money for both home appraisals, time and almost cost me the house I was trying to purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax and XXXX  and asked them all to correct the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

a credit fraud alert was placed on my credit with EQUIFAX over 7 years ago. I have tried to remove this fraud alert with equifax numerous times, after 7 years this fraud alert should no longer be active, it causing harm to my ability to open credit and it is inconvenient. Equifax does makes it hard for fraud alerts to be removed, I am not able to get my free credit report as the law allows it due to this fraud alert.
Product: Debt collection

XXXX calls a day from multiple numbers 7 days a week
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and saw that XXXX  XXXX is reporting a fraudulent account on my report with a balance of {$5200.00}. I DO NOT HAVE A CREDIT CARD WITH THIS COMPANY. I have reported to TRANSUNION, XXXX XXXX And the information came back verified. After my careful review, i have determined that neither company has accurately verified this fraudulent information because the information is not reporting accurately so that means a proper investigation has not been done. Due to FCRA i am entitled to a fair and equitable consumer report and this is not fair to me. I try to stay on top of my credit and this fraudulent account is hurting me.
Product: Debt collection

Warner Asset Location Services at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe XXXX XXXX. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.
Product: Credit reporting

After reviewing my Trans Union Credit Report, I noticed the there was XXXX account listed as XXXX XXXX Mortgage XXXX XXXX Showing a 30 day or more later payment. I called Trans Union to clarify this being XXXX XXXX Mortgage XXXX. 
I Have a mortgage with this company. I knew this information was incorrect because I pay my mortgage every month without fail on or before the XXXX of every month. I also knew that I could prove that this transaction takes place every month, because it is paid from my bank account. 
I then filed a dispute with both the credit bureau and XXXX XXXX XXXX, Providing both of them with my bank statements for the past 12 months showing my monthly payments without fail. 
One month later Trans Union sent me a copy of my credit report with the same information showing. I then called Trans Union to ask why it still showed a 30 day late payment and was told that Trans Union does not except bank statements as proof of payment and that the information would remain until XXXX XXXX made the correction. 
This negative reporting on my credit report has impacted my credit score greatly. It is unfair that Trans Union would except false reporting from a company, and then refuse proof of payment by the consumer. 
I ask that this be looked into further please.
Product: Debt collection

Ally is asserting that a debt is owed of around {$12000.00} on a returned lease vehicle fees, but the lease was not returned, but rather it was purchased to avoid the expected fees. I have a copy of the released title of the vehicle from the North Carolina Division of Motor Vehicles, as well as a payoff receipt indicating that the payoff listed on my contract was satisfied. Ally has deliberately prolonged this collection efforts due to a personal vendetta against me due to words exchange between Ally 's representative XXXX XXXX and I.This has been a negative mark reported to the credit bureau that has falsely ruined my credit. I believe this is a personal attack brought about by XXXX XXXX trying to tarnish my credit and force legal action and drive unnecessary expense. I've asserted the same thing for over 3 years now, and Ally takes 6 months for a response each time I send correspondence.

Ally has since hired legal counsel to harass and collect debts and has threatened legal action despite my assertions being the same over the years that NO DEBT IS OWED ON THE PURCHASED VEHICLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to sell my residence, it was discovered that a judgment from XXXX XXXX ( no longer in business ) was on my house. The attorney who filed this was XXXX XXXX, who I found out today was deceased. I have had an attorney looking into this, and she also is not getting anywhere.This judgment was on XX/XX/03 in the XXXX County VA XXXX XXXX XXXX XXXX. I have contacted Dominion Law ( XXXX ) XXXX ) after speaking to someone in the XXXX XXXX office ( XXXX ) XXXX ) for them to only tell me, they have spoken with my attorney and myself about this matter, and they do not longer have access to this case. I am now stuck in the middle of an industrial park with no way to sell my home.
Product: Student loan

In XXXX of XXXX I notified Navient that I had gone through a divorce and that my income had plummeted by {$90000.00}. I was barely making {$15000.00} a year and the loss of my now ex-husband 's income was financially devastating. Navient told me to get a second job, that they did not do income based repayment plans, and also suggested that I rent my spare room out to make the payments. 

I struggled to make the payments and started falling behind those payments in XXXX. Navient sent me a litigation notice late XXXX. I filed for bankruptcy in XXXX. That is when Navient sent my private student loan to XXXX XXXX. 

In XXXX of XXXX, I received a letter from Navient stating that they didn't have the correct address on file for me, despite me living at the same address for 7 years at that point. They also sent me a bill for $ XXXX and the due date was one week away! I called them and explained that I had very low income and that I could not pay the amount they wanted me to pay. They went through my income with me and still insisted that I made enough to pay the amount they wanted. I told them that I have XXXX small children living with me and that did not matter nor was it taken into consideration during their income status questionnaire. I put my loans in deferment in XXXX of XXXX. Navient had originally said that I could put my loans in deferment for 6 months but the actual deferment period was only 4 months. 

When my deferment was over, I tried again to explain to them my situation. They did not tell me that I didn't have to disclose my alimony payments in my income information and tricked me into disclosing that information. They asked for that information and did not say that I did not have to disclose it. They also said that my federal loan did not qualify for the student loan repayment pause issued by the United States government. At this point I quit trying to work with them. 

Navient has- Sent my private student loan ( originally a XXXX bank loan ) to a collection agency called XXXX XXXX in XXXX during my bankruptcy. 

Navient has- not followed the federal guidelines placed on my federal loans and have been trying to collect on those loans since XXXX of XXXX. 

Navient has- called me at least 10 times a day for the past six months. They are starting to call my family members to collect the debt. 

Navient has- Sent me a litigation notice. 

Navient has- Ruined my credit even further by putting my federal loan in default as of XXXX of XXXX. 

Combined, both the private and federal loans total to about {$75000.00}.
Product: Debt collection

To Whom It XXXX Concern, I am writing to file a complaint against Midland Credit Management , Inc. regarding an account in my name with the account number XXXX, for the amount of {$460.00}. This account is the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ). I have already filed an identity theft report with the FTC and have taken the necessary steps to address this fraudulent activity.

Despite notifying Midland Credit Management , Inc. and providing evidence of the identity theft, the account remains on my credit report, causing ongoing harm to my credit standing. I am requesting the assistance of the Consumer Financial Protection Bureau to ensure that Midland Credit Management , Inc. deletes this account from my credit report as soon as possible and that all relevant credit reporting agencies are notified to update my file accordingly.

The persistence of this fraudulent account is unjust, and I am seeking prompt resolution to prevent any further damage to my credit profile. I kindly request that your office intervenes to ensure the removal of this account from all credit reporting platforms. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit card

Closed my Credit Card and paid off the Balance. Concora Credit still says I owe over {$400.00} dollars. They will not accept my phone calls. They say my account is closed, which it is. I just want to know what I am paying for. I need an itemized statement for the XXXX + dollars they say I owe so i can see if I actually made the charges.
Product: Credit reporting or other personal consumer reports

I would like to add to the complaint against XXXX. According to Rise, the account was sold to XXXX. XXXX XXXX initially claimed they were handling the case. However, after I emailed them documents requesting verification of the account, they stopped responding. 

I have contacted XXXX multiple times, but their representatives have refused to verify the account or take steps to resolve the issue. As a consumer, I have made every effort to address this matter, but XXXX has neglected its responsibility by continuing to report the debt without resolving it. 

Additionally, I spoke with XXXX XXXX XXXX, which eventually closed the account after admitting they had the incorrect Social Security number on file. I will attach an email I sent to XXXX XXXX regarding the XXXX account as evidence. 

XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires companies to reasonably investigate consumer disputes and correct inaccurate information if found. XXXX has failed to do so, and XXXX months have passed without resolution. 

This unresolved debt has significantly impacted my ability to obtain a XXXX XXXX XXXX, which has caused me undue stress and hardship.
Product: Debt collection

XX/XX/XXXX A text to my phone number. I have no idea who this is. He is attempting to collect debt for my brother, who passed away on XX/XX/XXXX. Hi wife, is the co owner of the company and she knows all about the debt and has a lawyer. She told this guy about his untimely death. This guy sent a collection notice by text to 5 family members that have no idea what he is talking about. How did he get our phone numbers? Isn't this illegal to share account info to people not on the account? 
text sent to : ( me ), my brother, my sister who is married, my sister 's husband, Sister in laws brother
Product: Debt collection

I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.
Product: Student loan

XX/XX/XXXX : I researched Nelnet 's quoted payoff amount for all of my student loan groups and made an online payment of {$20000.00} on my Nelnet account. I received a payment confirmation email from Nelnet confirming that I made a payment of {$20000.00} to XXXX XXXX XXXX in my account and that the payment effective date is XX/XX/XXXX ( see attached documentation ). 
*I attempted to speak to a Nelnet representative prior to making an online payment because the payoff was so large that I wanted to make sure Nelnet was going to process in a timely and appropriate manner ( i.e. paying off the entire group of loans to a XXXX balance before any extra interest accrued ). I waited on hold for 80 minutes before the line was disconnected before choosing to paying off my loans through the website. * XX/XX/XXXX : I go to my Nelnet account hoping to see the {$0.00} XXXX balance in order to save this documentation. Instead, I see that Nelnet has incorrectly applied my payoff payment to my student loans and is expecting me to continue to pay on one of the XXXX XXXX XXXX with a payment due date in XX/XX/XXXX ( see attached documentation ). Nelnet 's online payment process confirmed that I was paying on XXXX XXXX XXXX, as did the confirmation email, yet Nelnet has only applied my payoff payment to three of my four student XXXX XXXX XXXX, specifically XXXX XXXX XXXX, XXXX, and XXXX ( see attached documentation ). Nelnet ignored student XXXX XXXX XXXX XXXX, leaving it open to accrue interest, and applied the payoff payment amount for XXXX XXXX XXXX to XXXX XXXX XXXX effectively stealing the {$7600.00} meant to payoff XXXX XXXX XXXX  ( see attached documentation ). {$9500.00} of my {$20000.00} payoff payment was applied to XXXX XXXX XXXX which only required a payment of {$1900.00} ( {$1800.00} principal + {$30.00} interest as of XX/XX/XXXX ), leaving the {$7600.00} meant for XXXX XXXX XXXX in some kind of Nelnet financial limbo ( see documentation ). In the meantime, Nelnet has left XXXX XXXX XXXX open, accruing interest, and expects me to start making payments in XX/XX/XXXX. 
*On XX/XX/XXXX, after seeing this error, I emailed Nelnet through their website and called Nelnet via the phone number they list at the student loan contact number on their website. That evening, I spent approximately 3 hours in total on hold with Nelnet. After the first two hours on hold, a Nelnet representative named " XXXX '' answered and I explained this to her. She told me she could not fix the error, but that she would inform the correct department and asked if I would like to pay the accrued interest. After I explained that I felt I should not be charged for the interest that accrued due to Nelnet 's misapplication of my payoff payment, she told me that I would have to speak to a supervisor and placed me on hold for another hour before the call was disconnected. I have not been able to speak to another person from Nelnet since XX/XX/XXXX and I feel their system is designed to dissuade their customers from trying to speak to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX!!!!! All the account are accts that do not belong to me
Product: Credit reporting or other personal consumer reports

This vehicle was paid off by insurance after being a total loss n it doesnt show up as positive r havent received a 1099c cancellation of debt letter
Product: Vehicle loan or lease

I had a XXXX XXXX financed with westlake a few years ago. The vehicle was repossessed and ive been trying to reach them in the last month to settle the balance. The company that westlake placed the account with will not return my calls making it impossible to close out the account. I have called multiple times and no luck. See notes below XX/XX/XXXX - XXXX - Westlake Financial - XXXX - XXXX XXXX  has the account - account # XXXX XXXX. They closed at 5. Will call back monday. XX/XX/XXXX - XXXX - account being handled by XXXX XXXX - XXXX extn XXXX - Unavailable. Will try again tomorrow XX/XX/XXXX - XXXX - No answer. XX/XX/XXXX XXXX - left message- waiting on return call. XXXX - XX/XX/XXXX - attys office called back - rep couldnt locate the account. Transferred to the rep that handles westlake. Left a message XX/XX/XXXX XXXX - left a voicemail XX/XX/XXXX XXXX no answer. left a message
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is participating in deceptive reporting practices. Prior to XXXX, my mortgage was NEVER late. When schools closed in my county due to Covid, I applied and was approved for mortgage forbearance and did not make payments accordingly. In the middle of this period, the loan was sold to XXXX XXXX. 

XXXX initially reported 3 months of late payments in XXXX. When I disputed this and provided proof of deferment, they change the late payment months are reported erroneously. 

Instead of removing the late payments for XXXX, they selected earlier months to report which is fraud! 

Currently, they are reporting a late payment XX/XX/XXXX, the loan was sold in XXXX! 
XXXX, XXXX, XX/XX/XXXX, online payment history and my banking transactions will reflect that this is a lie and late payments in XXXX, XX/XX/XXXX which is also a lie. 

Had this loan been in default at any time PRIOR to Covid XXXX, I would have been ineligble for a forbearance.