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

I did a recent review of my consumer reports with XXXX, XXXX and XXXX. All three agencies are reporting a XXXX XXXX  Bankruptcy which all 3 reported this information came from LexisNexis. I sent a letter to LexisNexis via certified mail ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX letting them know that they, LexixNexis and the other 3 credit reporting agencies have violated my consumer rights to privacy by reporting this information without my permission. I also contacted the bankruptcy court who stated they do not provide any consumer information to credit reporting agencies. I told LexisNexis to remove this inaccurate information from any report/file that they have on me and to stop reporting this information to other credit reporting agencies. LexisNexis sent a letter dated XX/XX/XXXX stating the results of their reinvestigation came from them reviewing their bankruptcy records that they received from XXXX. I have contacted XXXX  and they stated they do not contact consumer reporting and credit reporting agencies. Since a reasonable reinvestigation was not conducted. I want LexisNexis, XXXX, XXXX and XXXX to stop all reporting of any bankruptcy on my consumer/credit reports and files immediately and to provide me with updated reports/files upon removal.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 also state that a Comsumer reporting agency can not furnish an account without my written instruction 15 USC 1666b Timing of payments ... a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose 15 USC CODE sub section 6802 credit agencies are supposed to disclose that there reporting on your credit and give the option to opt out ... but never have
Product: Debt collection

On  XXXX   XXXX     2017 i recieved a email from TrueAccord. They state that  i owe a balance with  XXXX . The email was written in such a manner has to convince me that they will threaten me both physically and try to ruin my reputation. They stated they would use any means available to collect the money they say is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt writing you in response to your decision to close the dispute investigation for inaccurate late payments. I disagree with your decision because accounts are still NOT reporting 100 % accurately according to Fair Credit Reporting Act ( FCRA ) .The creditor XXXX XXXX and XXXX XXXX XXXX  are reporting different payment history on all three credit bureaus. These accounts are showing inconsistency and inaccuracy on my credit report that you failed to notice. How is this possible if by Federal law, everything on my credit profile must be accurate, and verifiable if not that information must be deleted. You have FAILED to conduct a proper investigation. 

Also, I NEVER received the option to opt out of disclosing my personal information to third party according to 15 U.S. Code 6802. This is a Violation to my consumer rights. I did not give the creditor written authority to include transactions nor payment history to any third party in accordance to FCRA and 15 U.S. Code 1681a.

Again, You have failed to conduct a proper investigation and the information is not accurate. Therefore, According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) 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.

I am requesting you immediately REVERSE or REMOVE late payments from the following ; Creditor Name : 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: Debt collection

I called on XX/XX/XXXX and scheduled a payment for XX/XX/XXXX. The payment disclosure was read to me and confirmed as XX/XX/XXXX. My payment was drafted on XX/XX/XXXX when it wasnt authorized on that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE OFF MY CREDIT REPORT.
Product: Credit card or prepaid card

I have {$200.00} dollars in points for Sears or XXXX except I am unable to use the points due to no delivery, or unavailable in my area. I keep receiving emails stating I have until XX/XX/2021 to use but am unable to do so. No-one is able to assist me or seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with EQUIFAX, can not get my free annual credit report. Ordered my annual free credit report from Equifax and both other agencies I have done for years, I called XXXX. I thus far received my XXXX  Report on XX/XX/2019 without issue, but EQUIFAX sent me a form letter dated XX/XX/2019 stating " We are unable to locate a credit file for one of the following reasons 1. ) You may not have a current file, or 2. ) You have not applied credit recently or 3. ) You have not actively used credit in the past 10 years '' Following receipt of the letter, I went online at XXXX and I could not get the report there either, said unavailable. 
Of course all of these are false, and being a Federal Government Employee, I currently have my Credit Frozen at each of the agencies, but have active credit cards I use and pay off monthly, and use a PIN for any new Credit Requests.
Product: Debt collection

This collection agency vance and huffman says that I have a collection of XXXX dollars from some company name smart pay. They also say that the account was opened in XX/XX/2019 which is Incorrect I never opened no account for the company they are referring to on that year or any year. I called smart pay and they can not find no information pertaining to any account under my name. This is not the first time that I complain or fight back against a collection agency for this particular account. More then 6 years ago I was contacted by a collection agency about this account and I disputed with the credit bureau and the collection was removed. Now they are hunting me down with the same account, different collection agency and saying that I opened this account on XX/XX/2019 which is false. I disputed this account with my credit bureaus but they don't want to remove this same account again because this company keeps lieing saying as if I open this account recently and now it's in collection. I want this collection removed because I do not recognize this collection as mine and the originator smart pay can not even locate any account under my information which makes me think that this is fraud and it's affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed " LATE PAYMENTS '' that are being reported within my credit report is inaccurate account information. I have never been late with my payments on these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of XXXX, XXXX, XXXX the credit reporting agency or the original creditor. Whichever it is, the fact remains ... these late payments are incorrect payment history information. 

( Late Payments Here ) NISSAN MOTOR ACCEPTANCE ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account associated with XXXX XXXX  that has been reported on my credit file. The account number in question is XXXX XXXX - XXXX for {$1200.00}, and it has been listed on my credit report with TransUnion, XXXX, and XXXX. 

This account pertains to a maintenance fee for a timeshare that I have already paid in full. The timeshare purchase itself was settled, and the maintenance fees, which are billed annually for the use of the property, were for services I did not utilize. It is inappropriate to charge and subsequently report these fees as collections when they are tied to a service I never used. 

It is apparent that XXXXXXXX XXXX XXXX empowered the collection agency to use credit reporting as a XXXX XXXX to force payment, which is manipulative and unfair to consumers. My credit score, which was previously around XXXX, has dropped to XXXX because of this collection account, despite my prompt payment of the full amount as soon as I was notified. This substantial drop in my credit score is unwarranted and unjustified, particularly when the fees in question should not have been sent to collections in the first place. 

Furthermore, it is clear that the credit bureaus rely on simplistic algorithms and superficial first-level reporting, rather than conducting a thorough investigation into disputes like mine. The process unfairly favors merchants and collection agencies, and in this case, has allowed an illegitimate debt to harm my credit standing. The failure to properly investigate disputes, instead relying on automated systems, undermines the fairness of your services and puts consumers at a disadvantage. 

I respectfully request that you re-investigate this matter, remove the derogatory mark from my credit report, and ensure that such predatory practices by XXXXXXXX XXXX XXXX  and their collection agency are not allowed to persist. 

If this issue is not resolved promptly and fairly, I will have no choice but to escalate my complaint to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

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

I have a question regarding my credit report that I need assistance with. I've been dealing with the company SST/XXXXXXXX XXXX and despite their claims that they are submitting accurate information, I believe this is not the case. The situation started when they sold my account to XXXX XXXX. I have since paid off this account, and XXXX XXXX confirmed that they would remove the negative remarks from my credit report as part of our agreement. 

However, I'm facing a frustrating cycle when trying to resolve this issue. Each time I call XXXX XXXX to check on the status of the changes, I'm informed that I need to contact SSTXXXX to rectify the situation, as they have already reported that the negative marks are no longer on my credit. On the other hand, when I reach out to SST/XXXX they insist that they've sold the account and direct me back to XXXX XXXX for further assistance. 

This back-and-forth has left me feeling stuck and confused about how to effectively resolve the discrepancies on my credit report. I'm looking for guidance on how to break this cycle and ensure that my credit report accurately reflects the current status of my account.
Product: Credit reporting or other personal consumer reports

Please refer to previous complaint numbers for Navy Federal credit card services XXXX. XXXX and XXXX. XXXX Proof of delivery with tracking number XXXX The company has received another 1099 c debt cancellation and 1099 OID for statement amount ( TAXES ) as requested and Original copies submitted also to the IRS /department of treasury with restrictive endorsement on the XXXX  to and 1099 OID to pay to the UNITED STATES TREASURY . 

I am requesting that the account ledgers for the debits and credits both on the public side and private side are accurately settled/updated/corrected. I have also assigned a trustee over my estate and decedents account. I am the financial fiduciary for all variations of my name including the account XXXX XXXX name ( account ). 
Please update as requested and in good faith report to the IRS to ensure compliance. If this process is incorrect or you have any further questions, please contact me within 48 hours of receipt. If the account is not updated, then I will notify the CID, FBI, and Inspector general of the IRS to do a complete audit into this matter to avoid non-compliance on my part and making me an enemy of the state using debt money. Please observe XXXX XXXX public law XXXX.
Product: Credit card or prepaid card

XX/XX/2022 I bought a printer from XXXX The printer was damaged and I returned it back. Discover card didn't return me money and reposted transaction on XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX isn't the original creditor listed on the Transunion Credit Report. 15 USC 1681 ( e ) b states maximum accuracy for a credit report which hasn't been applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing dispute with Experian to dispute a couple accounts that were included in a XXXX XXXX  bankruptcy, the public record has been removed from my credit report. I've disputed exhaustively, numerous times to have the XXXX remark removed from the below accounts, especially since XXXX and XXXX report the counts as " closed by credit grantor ''. These are the accounts and dates disputed for each : XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Mortgage

My mortgage was sold and I was NOT notified. The only way I found out was by checking my credit report and seeing I was 2+ months late on a payment. Here is a quote from an article linked below. " Consumers should not be collateral damage in the mortgage servicing transfer process, '' said Consumer Financial Protection Bureau Director XXXX XXXX. By law, it states that all information should be transmitted from old to new company, which atleast my phone number was NOT, SPS did not have my phone number nor did they care enough to locate me to tell me I was late. Then they charged me additional money to physically look at the property which I want back as the loan with this terrible company has been paid in full. 

I can provide proof from my credit report showing years of perfect payment with XXXX ( old mortgage holder ) then the transfer to SPS and the first payment being 2+months late and another 3 years of perfect on time payments until 2 weeks ago when I sold the house. 


XXXX XXXX XXXXXXXX
Product: Mortgage

I was following the government Pandemic shut down requirements and Mr Cooper allowed me to differ my payments and now they tell me I am not qualified to have what I owe on the back of my note like the Care Act allowed and required..And now I am loosing my home and will be XXXX.. Can you help me suspend my foreclosure that's in 2 weeks or get this to take place so I am not loosing my home? 

I dont have a scanner right now to show you my sale date that they put on my door just yet.
Product: Debt collection

I was a victim if several data breaches from XXXX and XXXX I've asked for several items such as a full detailed list of the payment history, my original signature on this contract for this creditor as well as the chain of title on the debt. My information wasn't removed in four days under section 605 this is to be deleted under XXXX please remove these accounts.
Product: Mortgage

MB Financial Bank has sent us several Closing Disclosures with many errors involving closing costs and amount of the loan ( VA ). We contacted our Loan Officer and asked for corrections. She has said, " Oh do n't worry about it! '' This has gone back and forth several times, mainly because MB Financial & the Loan Officer did not want to rewrite the loan. They finally conceded that there was misappropriation of funds and now rewriting the loan. We have yet to see the Closing Disclosure and even so, we were told the closing on the home will be this Friday, XXXX XXXX, 2016. 
We have lost trust in the Loan Officer and MB Financial. We also feel pressured by the Loan Officer, the Realtor and MB Financial. [ We were told that if we opened the email ( secure document ) from MB Financial, we were giving consent for the Closing Disclosure. ] Can you help us look at the Closing Disclosure without giving our consent? 
We feel we would like to use another financial institution and have already started this process. We do not want to use MB Financial due to all these problems. 
The Loan Officer is not happy and neither the Realtor ( whom recommended the Loan Officer ). The Seller ( s ) are unhappy due to this delay. It is a mess, but not our fault! 
Thank you, XXXX
Product: Mortgage

I submitted complaint number XXXX on XX/XX/XXXX. Today is XX/XX/XXXX. diTech Financial stated established a XXXX day period of time in order to allow for their response. As of today, there has been no response. To me, given their breach of loan covenants, the likelihood of XXXX XXXX XXXX being de-listed from the XXXX XXXX XXXX XXXX, and the variety of legal processes against diTech and XXXX, XXXX may no longer be considered a going concern. diTech appears to be incapable at this time to perform the tasks incidental to their business offering.
Product: Student loan

Navient continues to harass me on a daily basis by email, phone and mail. This has gone on without interruption for THREE YEARS. 

1. They send threatening letters to my home address on a weekly/daily basis.

2. They call my phone number and leave threatening voice mail messages several times a day from different phone numbers.

3. They send threatening email messages to me on a weekly/daily basis. 

This must stop. 

I have had {$0.00} income for over one year and there is no possibility that I can make any payments at all to Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified letter to both XXXX  and Experian asking them to validate the debt from XXXX back in XX/XX/2021. The account was not validated and the information that is reporting is still not correct. The account is paid. Both agencies are reporting different information, neither is correct.
Product: Credit card or prepaid card

At XXXX XXXX received a bill from Barclay Master Card with an annual fees in amount of $ XXXX paid same day from my XXXX checking Account .XXXX  Payment was received by Barkley at XX/XX/XXXX.At XXXX Barclays file it as unpaid with the Credit Bureaus.My credit score drop from over 830 to under 690, over 100 points. 
The XXXX XXXX XX/XX/XXXX statement with the full information an a payment made by me and received by Barclay Master Card, All bank payment ID numbers on a XXXX XXXX blank was sent 3 times to the Barclay Master Card Office. Starting Claim at XX/XX/2020 was # XX/XX/XXXX.Month later another claim was started also, # XX/XX/XXXX..No results on any of them.Proof of payment supplied multiple times-no result. By the Barclay request I visit the XXXX twice, Get a Bank statements and letters with the full Info proving the payment was made and received by Barclay.It was emailed also.No Results again.3 Month pass by- issue is not resolved. 
Today XXXX XXXX I received an Email from the Barclays-the Card want to me paid with the late fees in amount of {$29.00}. 
Whole this issue is looks like an a blackmail attempt. 
Each time when I am trying to contact Barclay Master Card office its take at list half an hour to get to the operator ... ..and still, issue is not resolved.
Product: Mortgage

I XXXX XXXX have inherit my mother 's home and I am in a present process of a Probate process in which I need more time to get a final approval of the court, My lender included me as the XXXX XXXX XXXX XXXX but needed a Grant Deed under my name which I needed to get a Probate. I have been in a great difficulty to pay my mortgage payments due to hardship, first my mother XXXX XXXX decease and I was placed into financial, emotional stress, XXXX and medical problems for several months, my only income my XXXX funds and was counting with extra income from my roommates but suddently the stopped helping to pay my mortgage because they lost their jobs due to Covid-19 .and had to go thru evictions that I was not able to file because tenants had Moratorium to stop paying rent due to Covid but finally they left my house in XXXX XXXX I finally have started to rent again to be able to get back in my feet. I am just asking for more time to get my Probate finalized and able to request for a Modification, I need help from my Lender and any Institution that can be able to help me with my situation. I have no where to go and I hoping to be able to get a Moratorium extension on my case. Please help me
Product: Debt collection

I believe i am victim of identity theft I have no knowledge of this account it was open fraudulently without my consent. I would like this to be removed it is impacting my finances and does not belong to me.
Product: Checking or savings account

Golden 1 credit union I was trying to get a loan from online got a letter saying i was approved so went through the steps to get the loan an hour later golden 1 called me saying there was something deposited into my account that was fraud and they are shutting my account down and i beed to pay back what is owed to golden 1 wich is XXXX $ cause i am responsible. Nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a concern about Credit Acceptance Corporation Auto Finance. my vehicle was involved in a auto accident back on XX/XX/2019. It was reported as a total loss to the company, CAC refused to let the GAP pay the remaining portion for the total loss claim. So now the account has been sitting with an unpaid balance of {$14000.00}, monthly payment reports on my credit report as {$0.00}. This account is well over 180 days past due and is no longer handle by CAC, they have an outside law firm handling this file for them and the refuse to either have it updated or removed from my credit report. They still have the account as open and active in their company but not handling the matter at hand. I asked them several times to have this matter removed or corrected. I was told by a representative that they can continue to keep my account open as long as they want to and have another agency collect on it for them. By law I know after 180 days of no payment the account has to be reported as charged off or closed. This company refuse to do so just to keep it open.