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

I mailed certified mail to all three credit bureaus on XX/XX/2023. While reviewing my credit report in order to purchase a home, I realized inaccurate and inconsistent information on all 3 reports. This is impairing the banking system efficiency. I requested the three credit bureaus to investigate properly and remove anything that is not accurate. All three credit bureaus are reporting totally different information for each account in question. That states to me that none of this information is correct. They came back verified and updated within 1 week. How did they verify all information within such a short period of time? I did not consent to E-oscar method of verification. I hand written my letters because I did not consent to machine I consent to a person reviewing my request. I am a citizen of the USA reviewing my credit myselfIt it is frustrating I have to write to the CFPB for a proper job to be done. 
XXXX especially had increased my score XXXX points on XX/XX/2023 and decreased it again XXXX points due to what reason I am not sure because they didn't state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have inquires I have no knowledge of so my privacy is being violated. 
Across all three credit bureaus these accounts are inconsistent with the reports and inaccurate as well. There are different dates of opening, different amounts and different names and addresses. Across all three credit bureaus my score is not even close to each other so, that means they are reporting incorrect. And the matter of fact I didnt consent to any furnishing of my credit report. 

15 U.S. Code 1681 section all information should be accurately reported In accordance to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 A I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 A consumer reporting agency can not furnish my account without my written instructions. 

I am looking into going to an attorney to assist with these discrepancies from the bureaus but I trust CFPB will do its job thoroughly.
Product: Debt collection

I reviewed my credit report and I noticed that there was several collections on my credit profile in regards to medical bills. The company that was reporting in Merchants Credit Guide Co. therefore I called and asked if they could send me something and verify what services was i being billed for, and also if they could verify if they are in fact the collection agency assigned on Behalf of XXXX hospital never got verification I got a copy of a itemized statement. So i filed a dispute with the credit bueras and all of them stated that the charges were valid.I then contacted the hospital today and spoke with the billing department and for one Merchants Credit Guide is not a hired collection agency this is supposed to be collecting on their behalf. They informed me that XXXX is their collection agency and their ph # is XXXX also the amount that the billing dept stated that i owe was not the amount that this fraud agency was reporting and in fact the rep stated that I there was a oversight and that my secondary insurance was not billed therefore I own {$0.00}. The billing rep stated that she would send my out a statement of current charges and she stated that she would have to go back in a rebill my secondary insurance, however I told her to send me what they say I owe as of now. So i can have proof that this Merchants Credit Guide sent my a invoice that is not the correct amount, in addition to them not even being the collection company that is collecting on behalf of the Hospital. Please help me get these frauds off my credit report. The credit Bueras are not of any help and i have sent over countless dispute letters only for them to verify debt from a collection company that is not authorized to collect a debt in the first place
Product: Checking or savings account

On XX/XX/XXXX XXXX, XXXX had money provided ( {$220.00} ) in my suntrust checkings account for a certain transaction that was due the next following day. I paid my bill to a creditor that was {$160.00} afterwards the next day but made an additional transaction prior ( that same day ) that was for a fast food place that I was covered for. Only 2 transactions. I was charged twice ( just afterwards Suntrust made my account go over ) for an overdraft fee for both in which I had funds still available. {$54.00} remains. Suntrust fails to remove both overdraft fees making it seems like I didnt have any money when i did. And Suntrust just charged another excessive overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to contact Transunion about a credit report dispute. 

Numerous calls to their call center get hung up on, despite calling during their office hours, following the prompts and waiting on line. I made six calls today, XX/XX/ Their web site is inaccessible. It doesn't recognize my sign in information. They promise to send a code to my email but no code shows up. I try and try and still no code to sign into my dispute account. I checked spam, junk, etc. but no code. 

I try to reset the password on my account to get in but the reset password site just goes around and around asking the same questions over and over again. 

They appear to be dodging access.
Product: Mortgage

There was intentional fraud/misrepresentation on the closing documents committed by Supreme Lending ( rep - XXXX XXXX ) and the closing attorney, XXXX XXXX XXXX XXXX  as they knowingly presented me as a single man on the security deed when they knew I was married in order to get the deal closed therefore there is a breach of contract and it is unenforceable and needs to be canceled. 
I had previously informed the lender on several occasions that I was married and on XX/XX/XXXX I sent an email specifically mentioning my wife to which the lender, XXXX XXXX responded on XX/XX/XXXX that my wife will be on title. However at closing on the security deed I was listed by the lender as single and my wife was not present on the warranty deed. Therefore the contract is null and void as there was intentional fraud/misrepresentation.
Product: Mortgage

I have so many consecutive payment changes that it is too confusing to keep track of each month. I understand that escrow causes changes. 
I have had a mortgage over 20 years and understand the process and i have a fixed rate loan. 
I requested to pay my own escrow and was denied in spite of on time payments. 
I called Citizens on XX/XX/year> to explain i have so many correspondence from them with different payment amounts. 

XX/XX/year>, I paid extra {$400.00} towards escrow to keep payment the same XXXX. 

XXXX letter said to pay {$590.00}. 
XXXX letter said to pay {$610.00} XXXX letter said to pay {$620.00} XXXX XXXX letter said to pay {$860.00} yet the letter did not say why the payment has changed again. 

Also, I called because loan was reported to credit bureau as discharged in bankruptcy and i keep asking was the title changed since i dont own anymore? I explained that i reaffirmed the debt and customer service asked me what does reaffirm mean? 

I am frustrated with Citizens and i just want to pay my own escrow so that i dont get weekly letters of payment changes. 
I understand that my escrow analysis will be done again in XX/XX/year> which will result in yet another payment change. 
I want to pay the difference and i want to pay my own escrow. I have a fixed rate and just want to pay the correct amount and pay my own escrow.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

CFPB Complaint # 1 - VIOLATION OF RESPA - 12 CFR 1024.36 AGAINST NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY Servicer : Nationstar Mortgage d/b/a Champion Mortgage Company Loan # : XXXX Estate of XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ( Legally Named Heir ) Property Address : XXXX XXXX XXXX, XXXX, VA XXXX Trustee Sale Date : XX/XX/XXXX To whom it may concern : Nationstar Mortgage LLC d/b/a Champion Mortgage Company ( Champion ) has violated 12 CFR 1024.36 by failing to properly comply with my Qualified Written Request ( QWR ) which I served on Champion on XX/XX/XXXX. 

I received a letter from Champion Mortgage Company, dated XX/XX/XXXX, acknowledging receipt of my QWR. The letter stated that Champion would respond to questions as set forth in my QWR, as well as provide pertinent documentation by XX/XX/XXXX. To date, I have not received either. 
I have filed a lawsuit against Nationstar Mortgage LLC d/b/a Champion Mortgage Company, however I cant get them to respond to my QWR. The law states that I deserve answers to my questions presented to the Servicer. But the only thing Servicer is interested in is foreclosing on my home on XX/XX/XXXX. Since I am being ignored, I need assistance from Consumer Finance Protection Bureau with this very urgent matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

What happened? I had a hard pull on my Credit Report. from XXXX XXXX to obtain a possible mortgage as a result of this it triggered where all my personal information was sold to XXXX mortgage originated and they keep calling and calling and calling all hours. I put myself on a do not call list however they keep calling and calling night and day. I spoke to XXXXXXXX XXXX about it. They said experien credit did this to you. Its terrible. It has to be some sort of rule about them selling or XXXX my information. Please call me at XXXX. Best regards XXXX XXXX.
Product: Prepaid card

The Money Network card I received for my XXXX payments from EDD already had a password and was probably being used by someone else. I have called Money Network for over 2 weeks with no answer. I previously made a complaint here for this company but all of my information was either not entered or entered incorrectly. I received a response from the company stating they have mailed a check to me for {$450.00} but my card ( which I was never able to use ) had a {$1300.00} XXXX payment from EDD. I need this company to return all of my money to me not just {$450.00}. I am about to be evicted from my home if I do not pay my rent which is what this money was for. I can not stress enough how much I need my money back. I explained all this to the person I made my complaint with last time with the exact $ $ amount but it doesnt look like they even added any important information with the complaint. I hope some can really help me this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fell victim to identity fraud I believe, this credit bureau is reporting information that I have never approved of nor applied for. Im not Sure where this information has come from and I've been told by my local law enforcement department to file an identity fraud complaint. This is my 3rd time doing so however for some reason Equifax will not respect the fact that I have fell victim to identity fraud. Please do something about this. 1. These inquiries were not authorized XXXX Equifax mortgages service XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No other bureau is reporting this bogus information as EQUIFAX is the only party who feels they are above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Experian and XXXX about false, inaccurate reporting in formation on my credit report. I have sent in multiple certified letters to get this Information removed from my credit report. They have said the information was verified but in accordance with a CFPB complaint I did directly with the reporting company this account is in a cease and desist and should be deleted from my credit report immediately. 


CFPB Complaint Number : XXXX Company 's Response XXXX XXXX XXXX reviewed and investigated the complaint. XXXX XXXX XXXX is a third-party debt collection agency acting on behalf of the original creditor. We did not purchase this debt. According to the original creditor, this is a valid debt. XXXX XXXX XXXX updated XXXX XXXX dispute and notified the credit bureaus as required by law. We requested verification of the debt from the original creditor and will mail a copy to XXXX XXXX upon reception. We updated XXXX XXXX account to cease and desist further communication regarding the matter, pursuant to her request. Aside from mailing her verification of the debt as she requested, XXXX XXXX will not receive further communication from XXXX XXXX XXXX regarding the matter. XXXX XXXX XXXX wants to help bring resolution to this matter. If XXXX XXXX has any questions or concerns, she can contact me directly. My name is XXXX XXXX, I can be reached toll free at XXXX extension XXXX or emailed at XXXX. Thank you for your assistance and resolution regarding the matter.
Product: Student loan

I have recieved collection notice on a XXXX loan. Over the last few months i have continuely notified navient that i have submitted a " defense to repayment '' because i am a victim of Fraud by the XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed the loans and want collection stopped. 

Reference number XXXX
Product: Vehicle loan or lease

I purchased a car from Carvana on XX/XX/year>. 
I chose Carvana because I was persuaded by their promises to be fair, honest, and that their new way to buy a car was the best idea. 
I was wrong. 
I paid almost {$18000.00} for an old XXXX with over XXXX miles. 
I was charged 19 % interest and after paying for almost 2 years, my principal balance hasn't reduced much. 
Then I went online and read their earnings release bragging about record high profits per car. 
No wonder my loan amount is like XXXX the value of my car. 
They are misleading innocent consumers and ripping people off.
Product: Debt collection

I received a letter from XXXX XXXX on XX/XX/XXXX in regards to a debt owed by a previous rental company XXXX XXXX for the amount of XXXX, looking over the amount I disputed this debt for incorrect amounts based of what I was told by the property company I thankfully still had text messages from the property companys VPN with statements proving what I would owe, I gave Hunter Warfield that documentation via email from the property company XXXX XXXX which shows it was not reflective to the amount stated. I contacted Hunter Warfield by phone on XX/XX/XXXX disputing the debt, emailed them the information I had. 
I called the collection agency to verify they had received my email and they confirmed they had and I should hear back in 2 weeks from XX/XX/XXXX. 
On XX/XX/XXXX I tried calling Hunter Warfield to check the status of my debt and was disconnected after the language prompt. I attempted to call several times with the same issue, I then sent Hunter Warfield support services an email on XX/XX/XXXX in attempt to communicate and explained the issue I was having reaching them by phone. With no response, I did mail them a letter on XX/XX/XXXX again disputing this debt to have it in writing. 
I received a letter XX/XX/XXXX dated from Hunter Warfield for XX/XX/XXXX again verifying the debt owed with no other communication stated and far as my dispute. On the front page of the letter is the number to contact a XXXX XXXX at XXXX when I call the number I am again hung up on after the language prompt. 
I am unable to get into contact with this agency and this agency isn't making an attempt to address my dispute after several attempts by phone, email and by mail.
Product: Student loan

FedLoan has incorrectly held my XXXX payment as " ineligible '' towards my Public Sector Loan Forgiveness payments. It alleges my payment was made outside of the 15 day window of when it was due,  however, my payments are always due on the XXXX of the month and my payment was made on the XXXX of XX/XX/2019. Therefore, my payment was made within the 15 day window. I would like this corrected immediately.

I have attached screenshots, the payment history, and the XXXX billing statement to show the due date of the XXXX.
Product: Student loan

I paid {$3900.00} on my federal student loan, to EdFinancial Services ( I have the receipt to confirm this ), I requested a refund on XX/XX/XXXX. I was told I would see my refund in 60-90 days. I have received NO refund. Also, my account does not reflect the new balance with the {$3900.00} being refunded. Every time I call, I get a representative telling me to wait a different amount of time. I desperately need this money and I need my account to reflect my new balance, for Biden 's forgiveness.. I am pleading for someone to help me as I am terrified of waiting much longer. Also, why are other student loan services completing these refunds so much more efficiently? 

All in all, I just want my account updated and I want my hard-earned refund, that I sorely needed weeks ago..
Product: Debt collection

To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONAL CREDIT SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONAL CREDIT SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in  compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.NATIONAL CREDIT SYSTEMS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

This issue started back in XX/XX/year>. I was looking at my report and noticed there were some things that was not correct. I sent tons of letters to the credit bureaus. I asked them to investigate the completeness and accuracy. I haven't received the results and noticed they did not fix nothing. There are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me. I'm only trying to do the right thing so that I can be ale to get a house for my family because I'm homeless, These items on my credit file is hurting my credit and its preventing me from getting anything. Will you guys please fix it?
Product: Student loan

My payments have now been transferred, but they are not correctly applied. I emailed Nelnet because of the incorrect payment and their email response is that they can't get to all emails and to call. I'm trying to avoid the XXXX hour wait time yet again to talk to someone. My payments are not correctly applied, therefore I'll be accruing interest incorrectly.
Product: Debt collection

XXXX underpaid my bill to XXXX XXXX XXXX on XXXX. I advised their billing department at XXXX XXXX that my XXXX should cover most of this and to please re-submit to my insurance company. XXXX XXXX did NOT re-submit and they sent me to collections using Hollis Cobb XXXX at XXXX. The collections company has been calling me for several months ( some calls were very rude - especially at the beginning where I was talked over and yelled at ). I kept telling them that the XXXX was going to take care of this, but the collections company never stopped calling. I have received up to 6 calls a day from them to try and collect this debt, which has interfered with my job and caused me to waste minutes on my cellular plan. I spoke with XXXX XXXX today, who is supposedly a manager at Hollis Cobb XXXX, and she even confirmed the notes were in there about the XXXX issues. I provided XXXX with the confirmation number from XXXX for the additional payment to the XXXX XXXX, and advised them I am working with a manager at XXXX XXXX to resolve the remaining {$51.00} ( which is what XXXX at XXXX told me is the only amount I should pay ). I also advised them that I would have my attorney contact them if they kept harassing me.