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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

At the time of a new home purchase, I was new to this process and a mortgage broker encouraged me to get 80-10-10 financing of the property whereby 80 % was financed via a fixed-rate 30-year mortgage, 10 cash down, and 10 HELOC. I am writing you about the HELOC, which was serviced by Specialized Loan Servicing ( SLS ). Recently the HELOC was sent to XXXX XXXX. The principal borrowed for this HELOC was {$23000.00} and the term was 20 years. Upon the debt 's transfer to XXXX, I learned from XXXX that the debt is still around {$30000.00}, meaning over the course of 20 years *not a single XXXX toward paying down the loan was applied*. I had been paying SLS {$190.00} for 20 years and the only time I was ever contacted by them was to notify me that there were times when the payments were late. The required monthly payments were made, but there were times when the date it was posted due to ACH were not aligned with the due date, In these cases and when notified by phone or when logging into the account, I had corrected these with massive payments of accumulated late fees and penalties of {$1200.00} or more dollars. I think I even paid them more than {$2000.00} a second time. How is it legal, possible, and not usury for SLS to have been servicing this loan and me paying monthly for 20 years and not a single XXXX going to principal? I am actually embarrassed that this happened to me. It was my first and only time buying a home, but I never considered that the loan servicers used my monthly payments toward anything but paying down this loan. I want restitution from SLS. XXXX is asking me to borrow {$30000.00} at the worst time to do so, with high interest rates for borrowers. SLS has no right to be in business and I would like restitution in the form of the entire principal balance plus interest because I believe their practices fall under usury, are predatory, and fraudulent.
Product: Debt collection

I was notified by XXXX XXXX  that a collection from XXXX XXXX attempting to collect {$3100.00}. I received the information and the original creditor is listed as HSBC XXXX N AXXXX Ive never had an account with either company. I filed a dispute with XXXX XXXX on XXXX and received a completed investigation on XXXX. An email of the dispute said investigation was completed previously and the data furnisher verified the information on your credit file. 
There is no additional information that helps me understand where this account is coming from or the date that it was opened. Ive tried to reach both companies with no response. This is causing a hardship to my credit score and future life plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this letter was sent to CFPB to have the creditor correct the errors on my credit report. After XXXX calendar days the creditor has not responded. Prior to i faxed the mentioned creditor on XX/XX/XXXX and no response was noted. The creditor has not responded to any correspondence to have account removed as stated when the payment in full was taken.This letter is in regard to XXXX XXXX XXXX Account referencing the debt that was paid in full and I to paid the full amount in exchange for the following through correspondence with your customer service representatives. Your agreement was to accept the payment as payment in full. This payment was not be noted as a paid collection or a settled account. Your agreement was to remove any and all records of this account from all credit bureau reports. Upon receipt of a signed agreement to these terms, The amount was paid and accepted by your company. According to the Fair Credit Collection Practices Act, I have a right to dispute this debt if deemed necessary. If you do not respond to this letter within XXXX calendar days, you can expect me to reach out for further clarification of this issue.Thank you in advance for your prompt response. 
Sincerely, XXXX XXXX
Product: Mortgage

Today I spoke with XXXX who I believe I spoke to before under a different name while dealing with my repayment plan issue that I filed before. I was insistently told different amounts, due dates, etc that purposefully made me lapse on one of my repayment plans. I was told last month that I was only 1 month behind but they misapplied the lump sum that was paid in XXXX and now they are saying I have a balance. XXXX was extremely rude and when asked for a supervisor she refused and demanded that I tell her why. I told her that she was making me uncomfortable and put me on an extended hold until I hung up. I asked her for details of my escrow account and she refused by stating I couldnt access it right now. I asked for an amount. I would like to reopen my previous case as well bc I was sick  due to this stress.
Product: Debt collection

I have requested removal of this paid-off collection and duplicate reporting to the consumer credit reporting agency. They told me, I need to contact creditor to remove. I have written and called them with my dispute to remove since the debt has be satisfied and paid completely. They have not responded.
Product: Credit reporting

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/XXXX XXXX {$350.00} OPENED XX/XX/XXXX XXXX {$820.00} OPENED XX/XX/XXXX XXXX {$450.00} Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Product: Credit reporting

EQUIFAX LIED TO THE CFPB IN CFPB # XXXX. ( PROOF ATTACHED ) THE XXXX XXXX XXXX XXXX ACCOUNT HAS BEEN RE-AGEDILLEGALLY WITH THE HELP AND BLESSING ( COLLUSION ) OF EQUIFAX.THE ACCOUNTXXXXXXXX # XXXX HAS AN ORIGINAL DATE OF XXXX DELINQUENCY OF XX/XX/XXXXwhich is correct and there exists no proof in this world otherwise.This was verified byequifax and XXXX XXXX XX/XX/2015.the changes made to this record are erroneous on their face ... the date of first delinq., date of 1st major delinq., and date of last pymtare all the same, which is a real world impossibility in credit reporting that equifax shouldknow if they are competent.EQUIFAX HAS LIED TO CFPB AND VIOLATES FCRAWITH IMPUNITY.THE ACCOUNT IS TOO OLD TO BE REPORTING, NOW OVER 7 YEARS SINCE THE DOFD.
Product: Checking or savings account

I am requesting to reopen a case with Capital One Bank, XXXX XXXX XXXX that still has not been resolved. 

Dear XXXX, Thank you for your reply. 
Capital One has not investigated this case thoroughly and the evidence/ documentation that I have provided does support my claim of unauthorized activity on my 360 Checking debit card ( XXXX ). 

Please answer the following question : How could Capital One refund me for one ( 1 ) unauthorized charge of {$500.00} and deny the other unauthorized charge of {$200.00} that occurred on XX/XX/2022 ( the same day ) at XXXX in XXXX? 
This makes no sense whatsoever. 

I am requesting to speak with an executive supervisor at your corporate office in Virginia, perhaps a phone call from the president/ CEO XXXX XXXX to discuss this matter further. 

No one at your organization has taken responsibility for the fraudulent/ unauthorized charges made on my 360 Checking capital one debit card ( XXXX ) at XXXX in XXXX on XX/XX/2022, where I do not shop at OR live by. 

My 360 Capital One debit card ( XXXX ) had unauthorized/ fraudulent charges made in XXXX on XXXX XXXX on XX/XX/2022. 
As stated in my letter addressed to Capitol One Corporate Offices at The Office of the President, Capital One, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2022 : *************************************************** On XX/XX/2022, I called Capital One bank at ( XXXX ) to discuss these fraudulent charges and a new case # was assigned XXXX. 
The {$500.00} charge was denied, the {$200.00} charge went through. These fraudulent charges were made at XXXX. It makes no sense that the second charge of {$200.00} went through since I replied, No for both attempted charges. 
This new case was going to be investigated and the representative could not understand how the second charge of {$200.00} went through either. 
The representative and I decided to have the new debit card sent to my home address instead of my XXXX XXXX since the last debit card was stolen in transit. 
The representative confirmed that the card stolen ended in XXXX. 
***************************************************** I will be providing a police report which states the facts and provides supporting documentation for this case/ complaint. 
Capital One Bank has not investigated this case thoroughly and the way that this case/ complaint has been handled is beyond disbelief. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX check, XXXX # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, XXXX # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount $ XXXXThis account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
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 XXXX acct # XXXX and Child Support XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

As per your request I 've submitted the documents you require for my address change via XXXX and my new address reflects on TransUnion. 

Attached is the updated letter from the XXXX account ending in XXXX confirming me as an authorized user for the primary account holder. Please let me know if you require any further documentation to have this account re-added to my credit report. Thanks.
Product: Debt collection

I received the following text message : This is Mercantile Adjustment Bureau , LLC, a professional debt collector. Please contact us regarding XXXX XXXX ref # XXXX at XXXX or visit our website : https : //portal.mercantilesolutoins.com to access your account information or make payment ( s ) online. Reply " STOP '' to stop. This came from the phone number : XXXX. 

I contacted XXXX ( XXXX XXXX is now XXXX ). I talked with someone in billing. They told me that they did not work with Mercantile Adjustment Bureau , LLC as a debt collector. Further, they told me that the XXXX number came back to them as a spam number. Finally, they double checked this information against my account, and found that the reference number was tied to a different individual. My account was totally in the clear with them. 

This is a total spam text attempting to get money.
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX XXXX creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  arent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.
Product: Credit reporting or other personal consumer reports

i tried to verified all accounts on my report debt valid letter.
Product: Credit reporting or other personal consumer reports

Transunion did not fix the inaccurate information on my credit report. Please see attached file below
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : $ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I made full payment of my account for the amount of {$170.00} On XX/XX/2022 I called them about a double charge for one single item in my account for the amount of {$25.00}. Actually, they ( Comenity Bank ) acknowledged the double charge, however, they told me I need to wait 90 days for an investigation about the double charge showing in my account for {$25.00}. Finally, on XX/XX/2022, They told me I had zero balance in my account, showing full payment and then immediately I requested them to close my account. So Comenity bank sent me a letter of confirmation showing my account is closed, however, when I go online I can still see my account still open and the interest and late fees accumulating.
Product: Vehicle loan or lease

I purchased a brand new XXXX Yamaha Wolverine R spec ( utv ) from my local yamaha dealer for roughly 15000 dollars on a loan when they first came out. I purchased an extended 4 year warranty through yamaha for full drive train coverage etc. after owning this machine for not even a year and  only having 1200 miles on it the motor went on a cold start one day. The dealer replaced everything from the crank up in the motor without figuring out why it went. This roughly cost 3500 dollars in parts and labor for yamaha i would assume. The dealer ran it around the building numerous times etc and i got it back in reasonable time. With all brand new parts the motor came apart again not even 150 miles later.. The dealer has pulled apart engine and wants to replace oil pump along with all new parts again but yamaha is refusing to cover the machine with over 2 years of warranty left. its clear that the machine has a lubrication issue within the motor yet are claiming this is all my fault. They went as far as offering me one part as good will and than sent me a cheesy sticker package in the mail. I still owe an outrageous amount of money on something i ca n't use. I had to cancel hunting trips etc and am still making all payments. The dealer has made numerous calls to Yamaha motors corporation only to have my claim denied time and time again. I have spent lots of my time on the phone and can not get any answers from the company. a person name XXXX with customer service has denied my claims and wo n't give me a direct answer about covering the machine. I feel that i am being treated very poorly and was sold a lemon that I 'm now stuck with. I 've owned numerous machines through this company and have never had an issue. I 've found other people with similar issues online from some of the first wolverines that were purchased, not sure on the outcome for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021 during the Covid pandemic student loan payments were not required to be paid and the credit reported agencies reported my loans as late payments. I disputed this and provided documentation however, nothing came of it. My student loans are regular XXXX federal student loans that are not in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX  days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.