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

This is a complaint regarding Experian. When I log into my Experian account, the web page shows that my credit report is unlocked. But when a mortgage refinance company attempts to check my Experian credit file, they get a message indicating that my credit file is locked. I have tried multiple phone numbers trying to reach a human to get a resolution without success. When calling the phone numbers available, I am directed to submit an affidavit to correct the problem- what problem? My credit file is shown as unlocked but evidently it is not. What do I submit? This is costing me $ XXXX/month because I can not refinance a VA loan as a Veteran. This is simply unacceptable. 

This is the second time I have run into this problem with Experian. Why not provide a number so I can reach a human and find out what is wrong????
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c-2 BLOCK AND DELETE. NOTICE TO XXXX / EQUIFAX/ AND XXXX ON XX/XX/2022 | FTC Identity Theft Report - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B ALL INCLUDED.
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing to lodge a formal complaint against Vystar Credit Union XXXX XXXX abrupt cancellation of my credit card and its subsequent adverse impact on my credit report. 

My credit card account with Vystar was unilaterally closed by the bank following a single missed payment. Despite assurances from a representative of the institution that if I made the payment, the card would be taken out of collection status, and I would be able to continue using it and making payments towards it, my account was closed without my knowledge. This action, I believe, constitutes a violation of my consumer rights. 

In addition to this, I have been consistently unable to access my online account due to persistent maintenance issues, often encountering messages indicating that the online portal is down. This has limited my ability to effectively manage my account and could be considered a contributing factor to my payment issues. 

With these ongoing difficulties in mind, I express my willingness to establish an automatic payment system, ensuring no future payments are missed, should my account be reinstated. If this is not feasible, I respectfully request that this account be removed from my credit report. 

Moreover, I would like to highlight my rights under the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). XXXX and FCRA regulate the provision of adequate account change notifications and accurate credit reporting, respectively. Given my inability to access my online account and set up electronic payments, my rights under the XXXX XXXX Transfer Act ( XXXX ), which establishes protections relating to the electronic transfer of funds, XXXX also be implicated. 

In light of these concerns, I kindly request that the Consumer Financial Protection Bureau investigate this matter, and I urge Vystar Credit Union to reconsider their decision, rectify the negative information on my credit report, and ensure reliable online access to my account. 

Given that I am currently residing outside the country and lack access to physical mail, I request that all communication regarding this matter be conducted via my email address : XXXX. 

You all have been helpful so far. Thank you for your attention to this matter as I would love to continue doing business with your institution.
Product: Credit reporting

On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.
Product: Money transfer, virtual currency, or money service

I sent money to the wrong vendor with the exact same name through zelle. I went to the bank they said they could not do anything. I contacted the person.
Product: Credit reporting or other personal consumer reports

In-accurate CREDITOR REMARKS and ACCOUNT STATUS XXXX  Account : XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX BANK Account : XXXX Creditor remarks DEBT INCLUDED IN OR XXXX THROUGH BANKRUPTCY XXXX  XXXX, XXXX, or XXXX. ACCOUNT STATUS XXXX through Bankruptcy XXXX XXXX. 
There is no BANKRUPTCY reporting on my credit report ( s ). REMOVE THIS IMMEDIATELY Information on my credit report is in-accurate and as an elected official, by law you can not furnish information to my credit thats inaccurate and harmful. All accounts mentioned must be either DELETED, REMOVED or PAID/NEVER LATE
Product: Mortgage

My home 's value was re-assessed in XX/XX/2021 which raised my property taxes. Once I received notice that my taxes would go up, I immediately went to my United Wholesale Mortgage XXXX XXXX to ask an agent what actions I would need to take to make sure my property taxes were taken care of. The agent told me that there was nothing I needed to do and XXXX would take care of it and my new monthly payment would include the new property taxes. 

After months, I started receiving delinquent bills from my taxing bodies ( City, School ). I contacted XXXX and again, they told me no further action was needed on my end. I continued to receive delinquent notices from Collections agencies and they told me they would put a lien on my home. After all the misinformation, I eventually ended up having to pay the taxing bodies myself. This resulted in XXXX of dollars of penalty fees. 

I have images of the agent chats I had with United Wholesale Mortgage. I understand it may have been a mistake on the agent 's part, but it was deceptive to me and resulted in XXXX of dollars in fees that I paid based on incorrect information provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXXXXXX 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 15 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-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 cost to believe that the information is inaccurate.
Product: Debt collection

Found this debt on my credit report, but have never received any communication regarding it Sent a letter on XXXX requesting validation stating I would also be willing to settle the matter if they could provide proof They received the letter on XXXX, and as of this time they have not provided any documentation at all
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to make a purchase on the Klarna app. The transaction was declined by Klarna. I attempted to use Klarna 's one time card option but Klarna declined the purchase due to the purchase amount being too high. I was told that no funds would be drawn from my checking account when I contacted Klarna 's customerThe initial payment was debited from my account on XX/XX/year> in the amount XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I did not authorize any of the inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The interest rate on my Nelnet-serviced loan recently increased by nearly 3/4 of a point. I received no notification of this change, and was directed to the servicer 's current rates page ( https : //www.nelnet.com/cXXXX  ). My loan rate on this page reflected a lower rate. 

I was then told to look into the rate with Congress as they set the rate. A website I was given indicated that changes in my rate should be discussed with the loan servicer due to the age of the loan ( https : //studentaid.ed.gov/sXXXX ). 

I was told that a mass email about the rate change was not sent to my account or email address, and that there was no way to have it re-sent. 

Several requests for third-party confirmation of the rate were denied. 

At every turn, Nelnet has engaged in practices designed to maximize interest payments, so my skepticism with this unproveable rate should not be cast aside. 

Nelnet should be required to notify customers when their rates are nearing a change, and provide third-party proof that the rates being charged are accurate as per decisions by Congress to increase them. Further, they should be required to maintain accurate information within their website with regard to the rates they are charging on billions of dollars worth of loans. 

These practices would not be acceptable in any industry outside of student loans, and should not be acceptable in these instances either.
Product: Mortgage

To whom it may concern, In XXXX of 2020 I contacted my mortgage company to defer payment due to Covid 19.

which I was approved for. Earlier that year I had applied for a loan modification which I was also approved for reducing my mortgage payment from {$850.00} to {$760.00} approximately.

I was told that I could defer payment and once the period ends that I would start payment on my loan modification. I was also told that the months that were deferred would be added to the end of the mortgage 's life.

I had to take a live of absence for two months from work due to my XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX treatment that had just ended. As a result I was getting less pay. The mortgage company kept deferring. At the end of XXXX I contacted them to try to continue the deferment but at that time they declined it. I told them that I could not resume the payment at that time and asked them to please continue the deferment until I can catch up. They refused so I was falling behind. They told me to re-apply for the modification and was denied and disputed it and was declined again. Now they were telling me that they feel that I can not make my payments and could not afford this place. 
I wanted to start making payments online and could not. I contacted them and then was told that my account was sent to a law firm for foreclosure. I told them that I do not want to foreclose and would like to start making payments. I had been putting the money in the bank. 
As of today I was not contacted yet by any law firm most likely because of the mandates in regards to Covid 19 and refraining them to foreclose and forcing people to loose their homes. The mortgage company told me that the only way to be current is to get re-instated. In XXXX I requested the re-instatement figures. It took about a month after many calls. When they gave me the figures I was in shock. I thought that the figure would be for the three months at the time that I was delinquent but they included everything since XXXX of 2020. I told them that this was unfair because the deferred payments should be added the end of the loan. 
I feel that this is a set up for people to loose their homes. 
Please advise ...
Product: Debt collection

Allied International Credit Corp sent a letter claiming I owed {$50.00} on an XXXX account and asking for payment. They claim previous attempts to resolve the issue, but it 's the first I 've heard of it.. They provide no details of the alleged transaction, and in fact I 've never used XXXX. It seems like a scam.
Product: Debt collection

The debt was forgiven due to XXXX  and was agreed to be removed off my credit file
Product: Vehicle loan or lease

I had a car loan with Bridgecrest ' starting on XX/XX/XXXX ; it was a XXXX loan. In XX/XX/XXXX I received a two-month modification extending my loan to XXXX XXXX all payments were made. upon completion of the loan term Bridgecrest stated there still is a balance of {$990.00}. I went through the transaction history, the total amount paid on the loan was XXXX. The total payment amount on the loan originally was XXXX and interest was XXXX and principle XXXX. According to the modification {$690.00} was added to the end of the loan. According to my calculations I don't understand how I still owe them {$990.00}. after repeatedly speaking with them Bridgecrest continue to insist I've only paid {$16000.00} in principle and {$7000.00} in interest totaling XXXX. This is still not adding up to me owing {$990.00}. There are many discrepancies in email totals and transactions postings, and Bridgecrest continues to report my account to the credit agencies as late. I just want them to send my title because I believe I have made all payments, and I truly believe I've overpaid them.
Product: Debt collection

Optimum Outcomes has placed the debt on my credit and caused my score to decrease therefore preventing me from purchasing a home. I find this to be illegal as they are not their original creditors and purchased this debt.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I received an email about a collection being added to my credit report. Ive reached out to the company that was shown on the collection but was not responded to in NO REGARD. 

I HAVE NO KNOWLEDGE OF THIS COLLECTION OR ACCOUNT. 

As per the guidance from the Consumer Financial Protection sure a ( GIF document needed and a letter from an advocacy group helping XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule XXXX. XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days due to the pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of debt XXXX  of XXXX XXXX and would like for all listed collections from this company/consumer be blocked and deleted.
Product: Credit reporting or other personal consumer reports

I am unaware of opening any credit card with a balance of {$3100.00} from Transform Credit in XX/XX/year>. Transform credit opened this account without my knowledge and closed the account as of XX/XX/year> impacting my credit score by more than XXXX points. This account shouldnt have been added to my credit report and then closed less than XXXX  days of having the account. I need all documents showing my wet ink signature and approval of this account to be opened by me. I have not authorized this account to be opened and closed. Ive tried calling the company is no one is available to speak to you
Product: Credit card or prepaid card

I do not know who this company is, I don't have an account with this company. I have NEVER made a charge on any account that I have for more than {$250.00}. See the copy of the email below : ______________________________________________ XXXX Unsubscribe XXXX ( XXXX minutes ago ) to me Budget friendly choices for you. 
View My Options Dear XXXX, XX/XX/23 Per our prior communication, your XXXX XXXX XXXX, XXXX. account is now being handled by our office. You do have payment options which can be viewed at XXXX 

We have limited time to work with you before returning your account to our client. 


We provide flexible payment plans to create the easiest possible path forward in paying your debt. 
Flexible Payment Plans -> Your account is in good hands with Halsted Financial Services . Our portal is safe, secure and easy to use anytime, anywhere. 
No Muss No Fuss -> We are your ally in resolving your debt. We may be able to help you resolve your debt for less than you owe. 
Offers and Potential Discounts -> Credit Reporting Notice It is the policy of XXXX XXXX XXXX , the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by XXXX XXXX XXXX and will not affect the tradeline of the original creditor or any other third party. 

Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Total Balance Due : {$820.00} Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

Hours of Operation ( XXXX ) : Mon-Fri ( XXXX ) & Sat ( XXXX ) Address : XXXX XXXX XXXX XXXX, IL XXXX This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

To stop receiving emails please opt-out here info.halstedfinancial.com
Product: Debt collection

The phone calls began on XX/XX/XXXX. They were repeated calls coming from a Ohio number and even on XXXX of them I told them to stop calling. They also have been sending text messages to mother concerning a debt that is over XXXX XXXX XXXX. I have started a dispute with XXXX of the credit bureaus and am sending a letter to the creditors as well. They treating me with garnishing my XXXX XXXX and also XXXX  XXXX on my accounts. They are also telling me of a civil judgment that was supposedly done XXXX years ago which I was not summoned for. I believe this is an illegal way to try to collect on a debt that has reached its statute of limitations. Also looking into the original creditors there were investigations and lawsuits back in XXXX for illegal collections and civil judgements for service members not living in the state. The CFPB were the ones who conducted the investigations against the XXXX XXXX in XXXX XXXX XXXX and XXXX
Product: Credit card

Received call from " CFPB '' about my Chase Card experiencing a credit level increase to {$10000.00} and issuance of another card. The alleged activity was stated to be in XXXX NC. Called identified himself as XXXX XXXX XXXX. These two male sounding persons had a unique accent : sounded like XXXX from the XXXX. My telephone indicated the calling number was from XXXX SC with the number XXXX. XXXX asked if I was associated with the company " XXXX XXXX ''. I am not. Following XXXX 's assignment of case number XXXX I was transferred to CFPB staff member " XXXX XXXX ''. No change in indicated number of entity name. " XXXX XXXX asked if I was aware my Chase, XXXX XXXX XXXXXXXX, XXXX  XXXX and XXXX XXXX credit cards had been exposed to " public ''. Of these banks, I only hold a Chase card. " XXXX '' also asked about my knowledge of a 7 % interest rate statutory limit for XXXX  and a balance limit not exceeding {$20000.00}. I asked him if this was associated with a recent government program. No follow on conversation for these subjects. XXXX conducted a verification of personal data my birth date and first two digits of my social security number. I provided the first three digit values of " XXXX ''. " XXXX '' would not respond when I asked him to state the numbers from the information he possessed. The caller did correctly identify the last seven digits of my social security number. " XXXX '' stated multiple times the first two digits of " XXXX '' wrong not what his records contained. After my pressuring " XXXX '' with confirming my first two digits the call was disconnected. 
I researched the named company and determined that company had a website noting a physical location and telephone number matching the information on my phone instrument 's screen.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX : XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX