23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

CXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 my payment was due for Regional Finance located at XXXX XXXX XXXX XXXX, XXXX Texas XXXX. So i called to see if i could pay it on the XXXX they said yes. So i stated that if could pay earlier i would call them to give them my debit information. So effectively i called them on the XXXX and gave them the debit information and the payment was made that day. than on the XXXX my payment was withdrawn again. I called to see what happened, they apologized, i called on a Saturday and XXXX answered me i asked her what happen why the withdraw my payment again if i had made it on the XXXX. She said she didn't do the transaction and she blamed the people that do the transactions and dont write notes stating that payments are given that this always happens. so on the following Monday i called them and asked to talk to XXXX the person that did my loan. I told her what happened she started talking to me really mad she wouldnt let me talk, she even told me that my payment was on auto pay thats why it was debited. until i told her real serious, wait XXXX can you listen to me? thats when she let me talk. i told her my payment was not on auto pay if it was on the XXXX it would of been debited from my account and she said well yes youre right its our mistake i can refund that money in 15 day to your account i told her that XXXX told me in 10 days who do i believe? she said im saying XXXX for if theres any problems, and i told her ok another problem because of that transaction my account went to negative - {$230.00}. She answered me all mad again and was yelling at me the whole time that she could not do nothing about that but she could refund my money that was debited from my acount only. I told her really mad : stay with my stupid money for the month of XXXX. I told her XXXX said that its yalls fault that you dont put notes that she is tired of telling you guys and you guys dont listen. so she said, so XXXX said that? and i told her yes, and she said i will fix that with her. So i was worried about her retaliating against XXXX for that, i dont know if she got suspended or not or even worst fired because of this horrible person XXXX XXXX who is the XXXX. I called corporate like 3 times or more i dont recall and they never answered me back.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary for us to eliminate any erroneous entries from my credit report. Can you verify the paperwork? Several of the specified entries contain inaccuracies concerning reporting, incorrect amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on credit report. XXXX. XXXX XXXX {$0.00} XXXX. XXXX {$510.00} XXXX. XXXX XXXX XXXX {$810.00} XXXX. XXXX {$25000.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX XXXX
Product: Debt collection

I have a credit card from XXXX/XXXX XXXX. There are itemes on my charges that I did not purchase that were purchased fraudulent after Identify Theft. I have notified XXXX and they have now put me into collection with National Enterprises Systems.
Product: Credit reporting

XXXX XXXX XXXX and XXXX XXXX XXXX from Minnesota has sent a letter on my behalf requesting for Equifax to delete the following accounts from my Equifax credit report : XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, MN Child Support XXXX XXXX, University XXXX XXXX : XXXX, XXXX Bank : XXXX, and XXXX Credit Consultants, due to me being a veteran XXXX and a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX  party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXXXXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

Was contacted by Monroe and Main by mail in XXXX or XXXX about an amount owed. I contacted the company and explained I have never purchased or had any transactions with the company. They continued sending mail stating that the amount needs to be paid or debt collectors will be sent along with my credit score dropping. Monroe and Main also started harassing my Mother with phone calls about the debt. My mother and I put in complaints to the company along with XXXX and State agencies. She stopped receiving calls in XXXX and we thought it had been resolved until recently I found out my credit score is very low due to Monroe and Main submitting and falsifying that I owe them payment. I don't have the records but will continue to file complaints as necessary.
Product: Credit reporting or other personal consumer reports

Hello, I've been noticing for a few years now that Santander Consumer USA has been reporting incorrect account information to the credit bureaus in regard to an auto loan that was paid off in XXXX. I've placed several disputes with all 3 bureaus and the company trying to get this account updated and accurate on my credit report. This account should be paid in full as it was pronounced totaled in a car accident and my insurance company paid the lender Santander in full back in XXXX. I recently placed a dispute on XX/XX/XXXX with all 3 bureaus and after receiving confirmation that the investigation was complete, I reviewed my credit reports and saw the company is still reporting inaccurate information. As you can see they are reporting different open dates of the account to all 3 bureaus. The date last reported, the high credit amount, the date last active and the date of the last payment are all different dates being reported to the bureaus. I don't understand how none of these dates and amounts line up if they are investigating the account and getting their information from the same company and source? None of this adds up. This account should not even be open. I've heard so many terrible things about this company. Santander has a history of reporting things inaccurately. I've reviewed the consent order issued by the CFPB and I am a victim. Please delete this account from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

EXPERIAN is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquiries reported was fraud. Said company has 4 days according to LAW to remove such items. FTC fraud report is being initiated on behalf of consumer. Consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX XXXX XXXX Commission file number XXXX I will be filing form XXXX Treasury XXXX forms to audit consumers accounts. EXPERIAN is securitizing consumers data yet refuses to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX- Date : XX/XX/XXXX, XXXX XXXX  XXXX Date : XX/XX/XXXX, XXXX XXXX NA - Date : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand EXPERIAN to produce a contract between you and I, bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 15 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help with ssn tracker and identity theft
Product: Vehicle loan or lease

I HAVE NO KNOWLEDGE OF THIS COMPANY : WESTLAKE SERVICE INC Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrect late payments
Product: Credit reporting or other personal consumer reports

Trying to access XXXX  and get an " Access Denied You don't have permission to access " / '' on this server. 
XXXX '' I don't know any other way to get my annual credit reports ; the individual companies usually require me to pay a fee.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Requesting your good office to kindly update or correct my personal information on your records and remove all inaccurate information on my credit profile. Below are the ONLY information expected to appear on my credit report moving forward. Attached are my valid drivers license and Social Security card for your reference. 

Name : XXXX XXXX SSN No. : XXXX Date of Birth : XX/XX/XXXX  Current Address : XXXX XXXX XXXX XXXX Georgia XXXX Phone No. : XXXX Lastly, kindly remove all the other addresses off my report, as they are not deliverable to me by the U.S. postal service, and they are not reportable as per the FCRA, since they are inaccurate. 



Yours sincerely, XXXX XXXX
Product: Mortgage

Dealing with this company has been utterly ridiculous. They've had my account since XX/XX/XXXX, yet I still can't view my account details online nor make a payment online. " Due to the status of your loan, please contact us directly to discuss available payment options and verify amounts due. '' My XX/XX/XXXX payment date came and went because they wouldn't allow me to make a payment due to their 'auditing ' of my new account. Finally on XX/XX/XXXX I was allowed to make what should have been my XX/XX/XXXX payment ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} ... but, they applied it incorrectly to XX/XX/XXXX. I  had already made my XX/XX/XXXX payment to my prior servicer. So, I rounded up the documentation and submitted that to them approximately 2 weeks ago. They still haven't resolved that issue. In the meantime, my XX/XX/XXXX payment is now due. I called on XX/XX/XXXX and spoke with Rep ID XXXX, XXXX, and she told me they can't accept a payment at this time. I asked her why not because they already accepted that previous payment from me. She said my account was still being audited. It's been 2 full months now since XXXX has had my account and they still haven't resolved my misapplied payment nor will they allow me to make my XX/XX/XXXX payment. What terrifies me now is they are going to end up reporting incorrect information to the credit bureaus. Calling XXXX is a complete waste of time. Every rep you speak with seems to know very little about the process and they offer no solutions.
Product: Student loan

I use a non-profit business, XXXX XXXX XXXX, to help me with my loans and understanding payments, terminology, options, and other miscellaneous issues that are relevant to student loans. XXXX XXXX is my representative from XXXX XXXX XXXX and together we have phoned XXXX as a conference call on multiple occasions over the past few years to get answers to some questions regarding my private loans. On Wednesday, XX/XX/XXXX I attempted to reach CFNC by phone to discuss my increasing monthly payment on my private student loans. 
XXXX has stated in previous conversations that they do not work with 3rd party callers ( despite my presence on the line and confirmation of all of my account details ) but when we have requested to speak to a manager in the past, we have been transferred to the appropriate person and have been able to discuss my account and ask questions. When XXXX and I phoned XXXX together on theXX/XX/XXXX, the first representative was very abrupt and rude in our requests to speak to a manager. We explained that we were both on the line and just wanted some questions asked about my options for repayment plans. Finally we were transferred to an assistant supervisor, XXXX. XXXX was extremely rude and unprofessional. She had an aggressive, impatient attitude towards the two of us and was completely unwilling to help or discuss anything with us. She disconnected the call by hanging up on us without letting us know she was ending the call. An assistant supervisor from XXXX hung up in our face within less than two minutes of being on the phone with her, which took us over 20 minutes to even get through to someone we thought would be willing to help. 
I am doing the best I possibly can to repay my loans and XXXX is not only offering a lack of assistance in helping me to do so, but also is very unprofessional and disrespectful in their customer service.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were either fraudulently opened or impacted as a result of the breach. 
The following accounts have been affected : Account Information : XXXX  XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$270.00} XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$170.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$220.00} XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$480.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$190.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$5500.00} UNAUTHORIZED COLLECTION Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX Account number : XXXX XXXX Date opened : XX/XX/XXXX, Amount : {$180.00}
Product: Mortgage

NewRez mortgage, my current FHA mortgage holder kept calling and emailing me about refinancing. I finally gave in and did their process and not communicated with through the entire process. I was advised that this was an FHA streamlined finance with no out of pocket to me. The first closing date arrived and the notary requested a check for $ XXXX dollars that I had never been advised of. I cancelled the closing and asked them to stop the process as they had lied to me and I didnt trust them. They then came back and somehow the closing funds were half and I was given a hard-sell for a Monday XXXX closing. I agreed and when the new amount was sent on XXXX  XXXX in the morning it was {$1900.00}, and not the {$900.00} figure quoted. I asked them to please fix it and was told theyd get back to me immediately. They didnt. Now its closing day and they are giving me a new number altogether. Its a mess. Nobody responds and the closing figures have changed many times and NONE of those times were the no cost I was promised. Ive waited time and got my credit score by trusting these folks. It is New Rez Mortgage and the sales guy is XXXX XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting that I am ( 120 ) days late, as well as reporting a collection in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the account balance is incorrect, and Second, there are no late payments to report. The interest rate being charged is well over 200 % and most importantly this is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! Please remove this line item and/or update to report correctly. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to remove and/or update this account however, I have not been successful.
Product: Credit card or prepaid card

SYNCHRONY BANK issued Amazon card. 
Could not locate the physical card to pay a {$2.00} balance. Payment was only possible through Synchrony, but without the card I could not register to login or login to the Synchrony site. 
I called Customer Service. Their automated service does not allow a bypass of the recorded messages ; no option for lost or stolen cards. You are forced to listen to a long list of messages before finally getting an opportunity to state your issue. 
The connection was bad - obviously overseas call centers- and the call dropped twice, forcing me to go back through the system. On one occasion, a representative actually was providing the credit card number ( without requiring any security questions ), but the call cut out. The third time I went through the system to reach a person, I was told Synchrony would have to issue a new card and it would take 10 days. I was able to get a supervisor, who did an ACH transfer to pay the {$2.00} bill. 
Synchrony should not be allowed to issue credit cards if it can't provide adequate support to cardholders, including the option to reach a representative in a timely manner ; immediate support in the case of lost or stolen cards ; security checks for provding card information. 
This is a very unprofessional operation for a financial institution. I appreciate your follow up to address the issues.
Product: Debt collection

RAS LAVRAR is attempting to collect a debt from me that I have no recollection of. RAS LAVRAR has stepped outside the boundaries FDPA. I have received a lot of harassment calls and even a representative came to my home or residences with harassments that are in violation of the FDPA. I never established a contract with this company and I don't owe the alleged debt.I will be reporting this practice to the State Attorney General office of Ga and the FTC about this matter.
Product: Mortgage

I have proof that the servicer committed forgery and signed without proper power of attorney, stole my identity and faked an address to file a real estate transfer tax document stating I was the seller receiving {$470000.00} in consideration for a transaction that was presented as a foreclosure auction but appears to be staged to commit tax evasion. 

This appears to be an attempt to pass the tax gain off to file a requisite 1099a form by this debt collector and foreclosing law firms engagement and activities in the recording of documents and material nondisclosure. 

A rescission under TILA was completed on XX/XX/2022 and the lender/servicer was supposed to return the proceeds in 20 days pursuant to the law and this was not done. These entities proceeded to move forward with a nonjudicial foreclosure by signing as Attorney in Fact without authority and with several notices. 

Fraud reports were filed with XXXX and the XXXX XXXX Sheriff Department but the entities continued with the foreclosure auction. The foreclosure was recorded under a Deed under Power signed after a Special Warranty Deed was signed as further evidence of the gross negligence of the transaction. It is believed that the real estate transfer tax document that is filed as XXXX XXXX XXXX was and is being used to conduct a disguised sale and constructive liquidation.
Product: Debt collection

Company never sent me any notices, or tried to call, just started harming credit score. I never received a validation notice. They started harming credit score on XX/XX/year>, I just learned of it through a 3rd party credit monitoring app.