23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each TransUnion, XXXX, and XXXX on five different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this info since XX/XX/2022. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681c-2 this need to be removed.
Product: Debt collection

This company, ABILITY RECOVERY SERVICES , LLC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report. Ultimately resulting in Defamation of Character.
Product: Mortgage

Ocwen is essentially refusing to perform an escrow account analysis. Ocwen raised our escrow payments when they originally took over our servicing, so I 'm certain there is an overage in the account. Our analysis is typically performed in XXXX, and as expected we received a notice in XX/XX/XXXX saying there was a fairly substantial overage and we would be receiving a check within 30 days. XXXX we received a notice saying the previous notice had been in error, and that a second escrow account analysis would be performed in XXXX. We waited for an update and, hearing nothing, we contacted Ocwen on XX/XX/XXXX. The second escrow account analysis had never been performed, although nobody could tell me why. I was told that it would take 3-5 weeks to find out why the analysis had not been performed as promised, or 5-7 business days to perform a new one. I requested that a new analysis be performed at this time. On XXXX XXXX I called to check on the status of the analysis and was told that there was indeed a substantial overage of over {$1300.00} and that a check was en route. I had not received any communications from Ocwen by XX/XX/XXXX, so I called again to check the status. I was told that the escrow account analysis had not actually been performed at any point. I was told that it appeared they had started the analysis but failed to complete it. I asked why, and was transferred to a woman whose job it apparently is to solve mysteries such as these. Her name is XXXX, ID # XXXX, and her contact number is XXXX XXXX. She agreed that it appeared we were due a refund and could not determine why the analysis had failed to be performed as promised on so many different occasions. She asked that I give her 48 hours to determine what the problem was and said she would call me back. I had not heard from her by XXXX, XXXX XXXX ( 48 hours later ) so I left a message for her at the contact number provided. It is now XXXX, XXXX XXXX, and I have yet to receive a return call. Our account is current and in the nine years since securing our mortgage it has never once been late. I have been unable to get a straight answer as to what the problem is, but we are now approaching six months late on our annual escrow account analysis. This is one of many problems we 've had since Ocwen took over the servicing of our loan and we will be addressing these individually, but the failure to perform a simple escrow account analysis is keeping money out of our pockets that is rightfully ours and it is a situation that should have been easily rectified months ago.
Product: Student loan

I read about the Cares Act on the website and heard from various places about it. I have loans since attending XXXX, XXXX  XXXX, XXXX, XXXX, etc ... Since being with XXXX XXXX, now Navient, there has been a great amount of bad practices, particularly XXXX with interest and fees when I tried contacting them when I was struggling. They always presented forbearance, but never explained to me about IBR. Every rep spoke briefly and differently. Confusing to say the least and started to email but their responses and communication was so sparse that I accrued interest and more than 23 late fees and more than 9 administrative forbearances. Now with covid, they have provided no XXXX interest or relief of payments, in general. On the front page, it says federal loans are covered by the cares act from XX/XX/XXXX to XX/XX/XXXX. So FFELP, which is a federal loan, they say it is not covered because it is not US Department of Education, a private loan. I thought the information I was given was that these loans are government loans. There has never been a remedied solution to the past history of bad practices and now this. I didn't apply for forbearance, but that's on my record as well as on my credit report where it decreases my credit score. I am unemployed looking for a job but even when I inquired about it or other ways of help, they have not provided it when I emailed them. They keep provided misleading terms and information, even the IBR program. Their website doesn't define the interest accrued and that this education loan does not qualify for the CARES Act and what resources are available - everyone should have XXXX interest and if not able to pay, to be given the help they need. They continue to charge interest and get payments as usual, even during COVID. I can't believe the lack of service and attention and can't stand the business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently summitted a dispute with XXXX  to verify certain things on my credit such as penn credit collection for {$900.00} and XXXX XXXX XXXX for {$230.00}. Which i was a victim of Identity fraud and i filed a police report as well .I ask them removed or verify these accounts by sending me the name the correspondence on who they spoke with, dates contracts with my signature including applications and time and they did nothing nor did they do a proper investigation to help me they help the consumer because they are being paid to report these items. i have been going back and fourth about these accounts and nothing has been done i took all the right steps as well i enclosed a copy of the law section 609 because these accounts are being reported inaccurate on my credit file
Product: Debt collection

This company is past the 30 days allowed per the Fair Credit Reporting Act. I still have yet to receive any information that validates the account theyre reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this unlawfully attained account XXXX to both the credit bureau and XXXX XXXX XXXX on numerous occasions. This account has been removed and supposedly blocked from my credit report twice the account resurfaced on my even after the bureau blocked it. My identification was stolen during a theft occurrence in 2016. I was unaware that someone had used my identification to attain an account with XXXX until years later up upon learning of this, Ive made every attempt to remove this account from my credit report to no avail. This is both illegal and irresponsible that this company and the credit bureaus have not removed this account from my report. This unlawfully illegally attained account is damaging my opportunities and affecting my finances. Both Bureau and XXXX have received my identity theft report but have not acted according to law in resolving the impact that this has inaccurate information has had on me.
Product: Mortgage

Homeowner XXXX XXXX disputes charges that have been made to her mortgage account by the servicer of her mortgage, Nationstar. She has tried to resolve these disputes by working directly with Nationstar but Nationstar has failed to correct the problems and has failed to respond to a Notice of Error sent on her behalf. On XXXX XXXX, XXXX, our office sent a Notice of Error pursuant to XXXX to Nationstar detailing how Nationstar had erroneously overstated her escrow shortage and asking Nationstar to correct the error. Under the CFPB regulations, Nationstar had 30 days to correct this error or to respond to the Notice. Nationstar has neither corrected the error nor responded to the notice. Instead, Nationstar has taken more aggressive collection action against XXXX XXXX and is now threaten to foreclose on her home. 

Since receiving our XXXX XXXX Notice of Error, Nationstar sent a billing statement dated XXXX XXXX, XXXX, to XXXX XXXX stating that she owed {$4300.00} the loan. On XXXX XXXX, Nationstar sent XXXX XXXX another letter inexplicably stating that now owes {$9000.00}, more than double the amount it stated she owed XXXX weeks before. In this letter, Nationstar threatens not only to foreclose on the home if XXXX XXXX does not pay the entire amount by XXXX XXXX, but also to seek a deficiency judgment against her personally. Nationstar appears to have illegally padded its fees for the loan by demanding payment in the amount of {$3600.00} for " Document Transfer Stamps '' ( although XXXX XXXX has owned the home since XXXX ) and {$3000.00} for attorneys fees ( although XXXX XXXX is not in foreclosure. ) In effect, Nationstar is retaliating against XXXX XXXX for exercising her right to send it a Notice of Error under the CFPB regulations. Rather than correct its error or even respond to the Notice is it is required to do, Nationstar is instead seeking to punish XXXX XXXX by adding unwarranted charges to her account and threatening to foreclose on her home if the charges are not paid.
Product: Credit card

i purchased an item of clothing. took months to get and returned in XX/XX/XXXX. they said three weeks for refund. i emailed dozens of time and no refund. all i want is my money back
Product: Credit reporting or other personal consumer reports

I submitted a dispute certified letter to Trans Union XXXX XX/XX/XXXX. I received a receipt that was received XX/XX/XXXX. I have not heard from Trans Union over 30 days now.
Product: Bank account or service

An auto-payment I had cancelled was mistakenly processed on XX/XX/XXXX, which is responsible for putting my checking account into overdraft. I am not responsible for this payment being processed, and should not be responsible for ( 3 ) {$36.00} overdraft fees totaling {$100.00} that PNC has withdrawn from my account. Again, I suspect they are processing my transactions in such a way as to maximize fees ( profits ), had the larger payment been processed after the smaller payments there would be only ( XXXX ) fee. Branch manager will do nothing. PNC has charged me multiple hundreds in overdraft fees just this year. How long will the crimes continue unchecked? I demand these fees be REVERSED IMMEDIATELY and refuse to fork over {$100.00} to the bank for a mistake I did n't make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this  clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that Experian is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. I have attached a copy of an FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, Here I am presenting you the original documents from XXXX showing the bankruptcy being removed by the court because I disputed a fraudulent report on my credit report. XXXX had made it clear that this bankruptcy XXXX  XXXX case number XXXX doesn't belong to me and it was removed because my identity doesn't completely match the court 's documents. Therefore I demand TransUnion block or remove the public record report on my credit report immediately. I attached all documents for you to review it. XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I went on TransUnion 's website to get a free copy of my credit report. They requested my debit card information, which I thought was required for me to receive this report -- I thought perhaps this was how they could check some of my accounts. I was shocked to discover that for the past two months they have billed me {$21.00} for each month, a total of {$42.00} that I had no idea they would be taking for me by getting a free credit report. I never saw any information about the services they provided being anything but free. I really want this money back, the only service I had wanted was a free credit report, I have not used anything else besides this.
Product: Mortgage

I have XXXX mortgages with Ditech. I recently completed Chapter XXXX bankruptcy for a large number of my credit card debt. I was under this bankruptcy for 2.5 - 3 years. I completed this bankruptcy on XXXX XXXX, 2016. The bankruptcy sticker for XXXX of my mortgages with Ditech ( mortgage # XXXX ) was lifted and I was able to go online and get information about this mortgage and to receive an accounting for the past 3 years. My other mortgage XXXX # XXXX XXXX had the " bankruptcy '' sticker on it and I could not get any information on it without calling the bankruptcy department. I was also getting calls and letters from Ditech that I was delinquent on mortgage # XXXX ). My information showed I was not. After 2-3 months of calling and receiving delinquent notices between Ditech and myself, I discovered that the account with the " bankruptcy '' sticker had a BALANCE OF {$7000.00} IN UNAPPLIED FUNDS in it. After many, many more calls, I was finally able to get Ditech to transfer this balance of {$7000.00} ( which was just sitting there ) to my other account that Ditech said was delinquent. After getting this monumental transfer, I then began my quest to have Ditech remove the " bankrupt '' sticker from my other account. I have sent e-mails, ( attached ), letters ( attached ) and have placed many, many calls ( too many to track ) to Ditech about this. I can be reached at XXXX XXXX or XXXX to discuss. I hope someone at your bureau can help me to resolve my complaint with Ditech.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX are giving me credit inquiries I wasnt aware of and some of them are even checking my credit twice which I wasnt aware of either. They have made my inquiries go to 25+ and I wasnt aware of this.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX  states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Request for Method of Verification XXXX Account Portfolio Recovery Dear Experian, I recently disputed an account on my credit report, and I am requesting the Method of Verification for your investigation. The account details are as follows : - Creditor : XXXX XXXX XXXX - Account Number : unknown -Creditor : Portfolio Recovery -Account Number : XXXX Please provide the following information under the Fair Credit Reporting Act : 1. The name, address, and phone number of the party who verified the account.

2. A detailed explanation of how the information was verified.

I expect your response within 15 days of receipt of this letter, as required by the FCRA.

Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting act, the following : 1. XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 
2. XXXX XXXX Account # XXXX, has violated my rights. 
3. XXXX Account # XXXX, has 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenienca an 1 financial loss, and I seek appropriate radress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to find housing, I noticed all of the sudden there were two student loans for {$1000.00} and {$770.00} that cant possibly be mine. I am XXXX XXXX XXXX and have not been in college for 20+ years. I did have a student loan for {$4000.00} that was paid in full many years ago. I lost my only child on XX/XX/2022 and this has cause me even more emotional grief and stress. I need to move out of the home where my daughter died and I am trapped her because my social security number has been compromised making it impossible to move. My Fico has dropped more than 100 points and these items have come out of nowhere. I want these negative things off so I can find housing. This has caused me a great deal of heartache. My identity has been stolen on more than one occasion and I have been a victim of identity theft time and time again. I have worked very hard to rebuild and now I am just trying to heal and move out of the place I live to heal in a place my child didnt die. 
Please help! I have 100 % history on all my accounts and this has ruined everything. 
Please help! 
XXXX XXXX