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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


US DEP ED XXXX****, US DEP ED XXXX****, XXXX XXXX XXXX****, XXXX   XXXX****, US DEP ED XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX** XXXX XXXX**** and XXXX XXXX XXXX****
Product: Student loan

I have called the company several times and the people I spoke with raise their voices at me and refuse to offer any type of repayment option that I can afford or let alone anything other than a large unreasonable repayment at a outrageous interest rate. They advise I should fall behind on other creditors in order to pay them. I was previously on a rate reduction program and paid just fine for many years, when asked to keep my current payments the same, I was told I could not and they must be increased significantly. I was also told that I am utilizing my credit and therefore they can't work with me but after taking a run down of my finances, they advised they were aware I could not afford more. I advised that I had been using my credit cards in order to make their payment but that is not good enough, they want more money. I also advised at the time that I was XXXX and going on XXXX due to XXXX XXXX XXXX, which will also decrease my wages and ultimately incur more monthly expenses. I was told by the rep that didn't care and that doesn't matter to them. The interest rates are significantly high and even though I have paid for many years, the company refuses to reduce my interest rate or payment. I also received a letter stating to call and I would be offered multiple repayment options, including settlement. When I called the number on the letter, I was not offered one repayment option other than {$400.00} a month, which I advised was impossible. The rep on the phone then said why should we work with you if can pay all your other creditors, I advised that I had offered to pay a more reasonable amount and the rep claimed that was not good enough and that they will not work with me and if I don't pay, they will sue me! No offer of these plans as stated in the letter I received and they continue to harass me with multiple phone calls daily with no messages left and oftentimes multiple calls back to back.
Product: Credit card or prepaid card

I am attaching a chat transcript of my efforts to resolve the situation. 
I signed up for XXXX XXXX American Express card in XX/XX/XXXX. The promotion offered XXXX point with the possibility of earning another XXXX points if I used the card to make qualifying purchases in a certain period of time. On XX/XX/XXXX I first inquired as to why I had not yet earned the points. I was told to check back later. In the chat session I was told that I had indeed qualified for the points. Weeks passed, still no points. I inquired again only to be told that a formal investigation had not been opened. Weeks passed again, still no points. I contacted them again on XX/XX/XXXX and got the same promise and to check back in exactly 7 days. 

This seems like a bait and switch to me. I have no balance on the card. I have paid it off every month after making purchases. I think I have waited long enough for it to be resolved.
Product: Vehicle loan or lease

Requesting that Honda Financial adjust my loan interest rate to the 6 % cap that Louisiana statute RS 29:312 states and refund me the overage amount.
Product: Mortgage

Dear XXXX Team, I have a mortgage with Citadel Servicing Corporation. 
Due to an error within Citadel, after they changed their servicing company earlier this year, I have problems with my payback contract. 
I am in daily contact with Mr XXXX XXXX from Loss Mitigation, Mr XXXX XXXX from Customer Resolution Specialist, and their collections department. 
To my surprise, I received a certified letter today saying that Citadel has tried to contact me on 3 different occasions unsuccessfully. 
This is absolutely incorrect. 
It seems that Citadel is extremely unorganized and I am scared of losing my home due to their unprofessionalism. 
Please help me resolve all my challenges with this mortgage lender. 
Thank you very much. 
With best wishes, XXXX XXXX
Product: Mortgage

I have been trying to make my mortgage payment of {$570.00} for XXXX. The mortgage company, Mr Cooper, will not take my payment. I keep being told that they did not receive my mortgage for XXXX and XXXX but they did. On XX/XX/XXXX I called and spoke to XXXX. XXXX stated that XXXX and XX/XX/2023 payments were not received ; therefore, she could only accept a {$1800.00} payment for my XXXX mortgage. My mortgage is not {$1800.00}. It is {$570.00}. I advised XXXX that the payments were made. I followed up with the email showing the XXXX and XXXX proof of payments from my bank statements. XXXX said to call back and I would be able to make the XXXX payment once they verified these. On XX/XX/XXXX I called again and spoke to XXXX. XXXX confirmed that the XXXX and XXXX payments were received ; however, they were not keyed into the system yet so XXXX screen would only allow her to take a {$1800.00} payment. I asked to speak with XXXX since I had received an email that she was working on my account. XXXX said that XXXX was on another call, but that XXXX would call me back as soon as she was off her call. I received no call back. I sent a follow up email XX/XX/XXXX again explaining that I am trying to make my mortgage payment. On XX/XX/XXXX, I called and spoke with XXXX. XXXX stated the XXXX and XXXX payments were not made. I was put in contact with the supervisor XXXX. XXXX talked about several dollar amounts. I stated that I needed to simply make my XXXX payment of XXXX. XXXX said he could not take my payment. XXXX said my XXXX payment had not been made. I explained to check the records and then sent XXXX an email showing the proof of payment. XXXX would not acknowledge the proof of payment that is in front of his eyes and began talking in circles. I said that I was confused and to please put in writing what he was trying to explain, as I am worrying that I may need an attorney. XXXX said that MrCooper will not send me my loan information in writing.
Product: Debt collection

AS OF XXXX XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$190.00} {$190.00} {$190.00} No. of Months ( terms ) : - - - High Credit : {$190.00} {$190.00} {$190.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, i noticed there were wrong addresses that are not mine on my credit report which could affect my future.
Product: Mortgage

This balance is incorrect. It is unreasonable that I have been trying to get this resolved for over 5 years. The {$50000.00} payment was not corrected posted in the first place. I had to fight to get this corrected and this took almost 2 years. As stated the balance was {$51000.00} after the {$50000.00} payment, {$940.00} payment XX/XX/XXXX, XX/XX/XXXX, {$940.00} payment XX/XX/XXXX, A payment of XXXX was made on XX/XX/XXXX, payments of {$1100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were made, and {$10000.00} was made on XX/XX/XXXX. A total of {$50000.00} in payments have been made. The current balance can not be {$38000.00} as stated in the letter. Payments have been made over the current balance, so again there should not even be a balance.The payments have exceeded the balance by {$12000.00}
Product: Student loan

I submitted my application on studentaid.gov to change my payment plan to the SAVE plan. After completing my application and being approved, it was up to Mohela to implement the plan on my account. They did not. I called them several times to understand why they didnt move me to the new plan. You can see the number of times I called them below : XX/XX/XXXX XX/XX/XXXX ( x2 ) When I finally reached someone, they told me to apply again. After some time, I noticed that I still wasnt moved over to the new plan. I called again. 

XX/XX/XXXX After this time, they told me to apply again, at this point having submitted at least three applications, and still, I have not been moved to the SAVE plan. 

I understand the stay put on issuing the plan on borrowers as of XX/XX/XXXX, but the fact of the matter is they never moved me to the SAVE plan before this date despite my efforts. 

Mohela is a predatory servicer that shows complete incompetence when it comes to processing and managing loan plans for borrowers who are trying to make their payments more affordable. If it were up to me, Mohela shouldnt be allowed this much power and authority while exhibiting harmful levels of negligence impacting thousands if not millions of people just trying to repay their education.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I sent a dispute letter to Equifax on XX/XX/2024. As of today, XX/XX/2024, I have yet to receive any response or acknowledgment of my correspondence
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ] Complaint # XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the given information with XXXX, XXXX, and TransUnion, but unfortunately, the matter remains unresolved to this day. 

XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

TransUnion XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my report showing that i owe XXXX XXXX have reported incorrect information for several years..I have never had a XXXX account.i use XXXX. Please send me a contract showing that i had this service with my signed name. XXXX XXXX does not even service my area.It is illegal to incorrectly report items on a credit file.this needs to be corrected as i am buying a house.and i have never had XXXX XXXX account.If this is not removed i will have to seek legal action to compensate for my losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, I have been disputing fraudulent items. The things are neither removed from my report nor do they appear to be under dispute. My credit score has been impacted by these fake things because the bureaus appear to be ignoring the pattern. If the things claim to be mine, I have asked that an investigation be opened and that verifiable documentation be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX CT XXXX, MA XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATION DOES NOT HAVE A LICENCE IN FLORIDA NOR XXXX OPERATE IN FLORIDA WERE I RESIDE, THEREFORE IT IS A VIOLATION FOR THEM TO REPORT THIS ACCOUNT TO MY CREDIT REPORT. ATTACHED IS A LIST OF STATES THEY CAN REPORT IN AND FLORIDA XXXX XXXX OF THEM. THIS IS A CLEAR VIOLATION
Product: Mortgage

During the final stages of the home purchase transaction ( under the new XXXX regulations ), I received, reviewed, and signed off on the final closing disclosure documents submitted by the lender. After signing the documents at escrow and waiting for the lender to fund the mortgage loan, I was notified that the lender required additional monies before the mortgage could be funded. I complied under duress ; to avoid homelessness. 
In reviewing this situation and XXXX requirements, identified several missteps on the part of the lender : The lender failed to review or audit documents prior to submission to the consumer. In multiple closings, my agent personally identified errors in the closing disclosures. Errors include splitting apart fee amounts so that they can not be matched to information previously received by the consumer, incorrect entries, and missing entries. Each situation places the burden of disclosure detail accuracy on the consumer, who in all fairness, should not be charged with auditing and identifying issues on bank disclosure documents without the financial details and calculations required for a " clean '' assessment of document accuracy. 
The lender notified me via the title company and did not alert the consumer directly ; the title company representative was placed in the position to notify the consumer of a lender change and that funding would not occur unless additional funds were remitted. My agent followed up directly with both the title company and the lender, neither had a clear explanation as to why the change had occurred. The lender ( the person that interfaces with the public ) said the change was put in by the " processor '', was aware of the change, but had no knowledge as to why the change occurred. 
The XXXX process is an arduous, administrative process that allows lenders to give a show of compliance, but lack the consumer protections which were perceived as the " intent '' of the new requirements. 
The end-to-end XXXX process is not defined. The XXXX documentation suggests that the review timeline is the " end '' of the process and does not clearly account for changes following escrow signing. It would seem that any change, especially a change that is detrimental to the consumer should not be allowed once the final closing documents are completed, reviewed, approved, signed, and executed. The financial institution should take the loss in the event that it fails to deliver complete and accurate documents to the consumer.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XX/XX/XXXX on or about XX/XX/XXXXon Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XX/XX/XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.