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

Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX, Transunion, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
Product: Debt collection

A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all incorrect names and addresses associated with my credit file across all credit bureaus, as well as to request that only the following information be retained : Correct Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are required to ensure that all information in a consumers file is accurate and up-to-date. Furthermore, 15 U.S.C. 1681i outlines the obligation of credit reporting agencies to investigate disputes and remove inaccurate, incomplete, or unverifiable information. 

The inclusion of multiple incorrect names and addresses in my credit file is a violation of these provisions and creates confusion that could adversely affect my credit profile. This also infringes on my rights to accuracy and fairness under the FCRA. 

I have identified the following inaccuracies that need to be immediately removed from my credit file : XXXX. All incorrect or alternate names other than XXXX XXXX XXXX XXXX 
XXXX. All incorrect or alternate addresses other than XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Please consider this letter a formal dispute under the FCRA. I request that all credit bureaus be directed to promptly correct my records and to provide written confirmation of the changes. I also request that all other names and addresses be permanently removed from my file to prevent further inaccuracies. 

Thank you for your prompt attention to this matter.
Product: Debt collection

In checking my credit report I became aware of a collection from Account Name : MOUTAINRUNSO ( Original Creditor : 05 XXXX ) for {$3300.00}. I explained to them that this wasn't my account and they have refused to remove it. I reached out to who I believed to be the responsible party who contacted Mountain Run Solutions and they were undeterred and refused to remove the collection from my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX XXXX XXXX, Account Number : XXXX Please remove it from my credit report. 
National Credit Adjust Account Number : XXXX Please remove it from my credit report. 
Inquiry from XXXX Date XX/XX/23 Please remove it from my credit report. 

I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my personal signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Mortgage

Initially filled a complaint on here about Wells Fargo keeping a check issued to me from my insurance company to fix my house. I tried to contact them several different times, at which point Wells Fargo responded that they were researching it. I now hold 7 letters from them, explaining that they are researching. However, on XXXX XXXX, XXXX, my home of 17 yrs was bought at foreclosure auction for XXXX by none other than Wells Fargo!!! The home appraised at almost XXXX. Plus they have my insurance check for almost XXXX .... 
Wells Fargo has become the worst mortgage/bank in America!! And after reading over comments on XXXX, they have foreclosed on many more houses, just like mine. If any other company got caught stealing like this, they would be in jail for embezzlement. Making up fake accts, stealing insurance checks, bad car repos ... I mean, when is someone going to investigate and make Wells Fargo stop these practices that are so illegal?????
Product: Credit reporting or other personal consumer reports

I am writing to complain about the services that are provided by Experian, XXXX, and XXXX. 

These are services that are supposed to be responsible for reporting my credit to potential loan providers. I do not think that they should be allowed to sell services. I am constantly receiving offers from these agencies regarding additional services that cost money. They shouldn't have their hands in any of this. We are required to use their services, they should be considered a governmental agency, and it is ridiculous that they are shoving other financial services down consumer 's throats. 

It is VERY difficult to find where to do a security freeze on Experian 's website, but is easy to find their advanced security protection services, which of course, are {$25.00} a month. It is a scam that they are allowed to do this, and if people do not pay close enough attention, they will be paying for a service that is provided for free through the security freeze option. This is not the same experience with XXXX or XXXX. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance XXXX {$11000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to unfreeze my credit with Experian for over a year. I have repeatedly tried to get in touch with an Experian representative, but I have only been met with an automated system for all the customer service lines. After trying online, and sending my required proof of identification documents to the address provided : Experian Security Freeze, XXXX XXXX XXXX XXXX TX XXXX, I have received no update or reply. My credit remains frozen.
Product: Mortgage

I submitted a request to modify my loanXX/XX/XXXX to M & T Bank via XXXX XXXX XXXX because I was having financial difficulty. The modification was not completed until XX/XX/XXXX and the foreclosure process was initiated in XX/XX/XXXX. The loan company did not allow me to stop the modification process and enter to a re-payment plan. They stated that I was still in good standing and the loan modification was ready for completion in XX/XX/XXXX. However, the company continued the loan modification process requesting the same paperwork numerous times and allowing critical paperwork to expire. Missing documentation letters they claimed to have sent to me were not sent but manufactured after the fact. I have requested that a list of dates that requested documents were received and scanned to compare them to these documents. I believe it would show that the documents they claimed were not received were in fact in their possession. After assuring me I would not go into foreclosure, the foreclosure process had already begun. The company refused to send this info as it would show that the missing documentation letters were addressed in a timely manner and the delay was on the part of XXXX XXXX XXXX. When the trial modification was complete, the loan was higher than the previous loan I was trying to modify. I was ordered to pay {$470.00} instead of {$440.00} per month, a net increase of XXXX and I also have to pay {$4700.00} in foreclosure fees, which could have been avoided if the organization would have been able to process information for the loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported 90 day late payment on my credit report and I wasn't late 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not showing I have a credit report. So since XX/XX/2019 I have been sending my information so they can build a credit file for me. They still have not. Every time I call they tell me they have not received any of my information even though they have sent me letters regarding the information. They are refusing to do their jobs and are not giving me any explanation as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & was opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX Opened : XX/XX/XXXX Amount {$420.00} My identity was stolen and used to buy phones. This debt is not mine. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$270.00} My identity was stolen wand used to buy phones.
Product: Credit card or prepaid card

On XX/XX/2020 I was assessed a late fee of {$29.00} for late payment. I asked the credit card company to waive it in several emails but they refused. I find it very inappropriate for a credit card company that makes $ millions to refuse a late fee when they just charged me over {$100.00} in finance charges and in a world pandemic.
Product: Mortgage

In XX/XX/XXXX, my Fiancee applied for a mortgage to buy a house. He was NEVER asked if he was a veteran ( he is ). He was given a pre-approval letter for an FHA loan. He made an offer on a FOR SALE BY OWNER house. He gave the seller {$5000.00} cash and got a receipt. The loan officer then informed us that XXXX needed to have XXXX in his account. I gave him cash, so then we had to wait for 3 months so the deposit was off his statements. That was XX/XX/XXXX. Then we submitted all the requested forms and jumped through all hoops. Then the appraisal came in. There were many things that needed to be fixed, pipes had burst, new wiring, new panel, new furnace, new water heater. I spent XXXX fixing it up. It also took about 2 months to have everything done. That was XXXX, we were supposed to close XX/XX/XXXX. Then the loan officer kept telling us different amounts for the closing costs, first it was XXXX, then it was XXXX then it was XXXX. I then spoke to her boss, within five minutes he asked if fiancee was a Veteran. I said yes, so after seven months we changed to a VA loan, jumped through hoops had to have ANOTHER appraisal, fixed a couple of things, then passed appraisal. He stated closing costs would not be more than XXXX. Then loan officer tells me one day the closing costs will be XXXX, then the next day she stated we need XXXX. Loan officer aid after it passes the appraisal we can close. She got the appraisal results. Now after 6 weeks of waiting she tells me yesterday XXXX needs his XXXX. She should have told us that 6 weeks ago. Then I ask about a closing date. She won't give me one. We are VERY FRUSTRATED with this bank ( BANK of the WEST ). I asked for a new loan officer, she said her boss will call me SOMETIME today.
Product: Student loan

In XXXX at the age of XXXX and only XXXX months after XXXX  high school, I applied to XXXX XXXX XXXX XXXX XXXX in XXXX, MA to become a XXXX XXXX. Unbeknownst to me at the time, this was a predatory school and since then, has been countlessly found guilty of defrauding its students as evidenced by a sweep of all Federal loans being forgiven to students who attended the schools associated with XXXX XXXX on XX/XX/XXXX. 

I only received XXXX federal loan for the amount of {$3500.00} in which the balance was ultimately forgiven on XX/XX/XXXX due to the verdict of XXXX XXXX XXXX XXXX XXXXXXXX case which the court declared that all individuals who borrowed federal student loans to pay the cost of attendance for any of the XXXX persons named in the Massachusetts Attorney Generals exhibit have the right to borrower defense relief under XXXX C.F.R. XXXX ( c ) ( XXXX ) ( XXXX ) and not related to Then-Attorney General XXXX XXXX lawsuit against XXXX XXXX XXXX 

Unfortunately for me, I had XXXX other loans that were privately owned by Navient, the XXXX XXXX loan and the XXXX XXXX loan, both of which were subprime private loans. Despite the $ XXXX settlement on XX/XX/XXXX against Navient , I did not qualify for that forgiveness either as I was never late for at least seven continuous monthly billing cycles. 

For context, I originally borrowed a total of {$17000.00} which was disbursed in XXXX. From XXXX, I paid Navient a total of {$29000.00} and accrued {$29000.00} in interest. After my interest rate kept fluctuating and went up to 13 % on one loan and 14 % on another in XXXX, I decided to refinance the remaining balance of my loans for {$18000.00} the remaining balance on a {$17000.00} loan from 15 years ago. 

Summary : o Initially borrowed : {$17000.00} o Total payments received from XXXX = {$29000.00} o Total balance refinanced in XXXX = {$18000.00} o Out of pocket payment = {$47000.00} ( payments received + refinanced balance ) o {$29000.00} more than what was initially borrowed ALL interest. 

I have been negatively affected by this because I not only attended a predatory school but also received subprime loans that were designed to never allow me out of debt and despite governments efforts to forgive these loans, I never qualified for its forgiveness. These private loans deserve the same forgiveness as the federal loans because even after 17 years of repayment, I am still suffering from the grips of these harmful tactics by XXXX XXXX and Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a line by line reinvestigation of all of my accounts. I don't see how you could have missed the fact that these accounts are both open and closed. How can that be possible, and because of this oversight, I want these accounts deleted asap. As you know In Accordance With the Fair Credit Reporting act. These accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX  XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX XXXX  acct XXXX XXXX Incorrect names : XXXX A XXXX, and XXXX XXXX. Incorrect phone numbers : ( XXXX ) XXXX, and ( XXXX ) XXXX. Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX. Unknown inquiries : XXXX XXXX XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate. These accounts are inaccurate and must be deleted.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check into my account the check was made out to my close friend XXXX XXXX the check was for {$94000.00} and I was assured by XXXX tellers this would not be a problem and they had me sign the check and deposited it and a few days later I was told the money was in my account but my account is frozen and I needed to come in with my friend XXXX XXXX and we came to the bank and they called to get my account unlocked and asked for XXXX phone number and when he gave it to them they told us it does not show up on there system registered to his name so we went and bought another phone XXXX XXXX  contract came back with the phone and the bill in XXXX name and again they said it will take XXXX to XXXX months to show up in his name now Chase has had this money since XX/XX/XXXX and my account is gone my mortgage is do so is XXXX his credit cards are all over drawn he sold his mineral rights to get this money and Chase will not release this money we have both been in the bank we both have ID XXXX has a Chase credit card and his number is attached to that account Chase have spoke to the writer of the check as well as the bank it was drawn on the money has been pulled out of the issuers account and into mine and Chase will not release funds they wont sent the money back to the issuer of the check there is no fraud this is just destroying both of our lifes this money belongs to XXXX we have done nothing wrong everything has been confirmed all this over a phone number that doesnt come up in there system yet its attached to his Chase credit card please release these fund or send them back to the bank you took them from
Product: Mortgage

My loan was sold to Flagstar Bank effective XX/XX/XXXX. I called customer service to confirm if I needed to submit a one-time payment before my auto-debit payment began, which their system said would begin XX/XX/XXXX. That would mean I would not have made a XX/XX/XXXX payment and I did not want to skip a month of payments. 

The service rep explained she would process a one-time payment for me on XX/XX/XXXX and did so over the phone. She also recommended we cancel the auto-transfer that was pulled over from my previous servicer ( XXXX ), and that after the processing of the one-time payment I could set up an auto-payment for my preferred date of the month. 

Somehow, instead of 1 payment processing for XXXX, they processed 2 payments, one on XXXX and one on XXXX. Calling customer service was little help and I had to do several hours worth of calls to Flagstar, my bank, and come up with paperwork so that I could get a refund, which has not yet started processing.
Product: Money transfer, virtual currency, or money service

I was a member of paypal.com. I made some purchases using their website and via the credit card I had linked to my paypal account. These purchases were then refunded to me by the merchant. However, instead of refunding back to my credit card that was linked to paypal, paypal gave the refund as an account balance. They then closed my account with this {$3500.00} balance and refuse to give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On around XX/XX/XXXX Prestige Financial Services Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
Prestige administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that Prestige Financial Services contacted XXXX  and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of XXXX on XXXX.. 

Respectfully Prestige has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX Lifetime and Retired.I am a US XXXX Honorable Military Veteran.