23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Been called once a day for last month by some guy named XXXX with XXXX XXXX being rude and loud asking about my title loan which I have talked about with XXXX XXXX already
Product: Mortgage

I have attempted to get an answer from the financial institution regarding the FHA Claim proceeds that show up as an entry in my account, which show up at the same time to property was sold, and represent the amount of proceeds that would have been the difference between what was owed on the loan and the sale price of the property. 

XX/XX/XXXX Repayment to Loan Balance - FHA Claim Proceeds {$22000.00} In addition, they continue to charge against that balance for property preservation even though it has been sold since XXXX, XXXX Finance of America XXXX XXXX XXXX XXXX MI XXXX
Product: Debt collection

Calling about account that was false fully charged by XXXX XXXX XXXX XXXX I told them too stop calling me
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/2021. I received my discharge in XX/XX/2021. My discharge did not include my mortgage. I continued to pay my mortgage on time during the pendency of the bankruptcy. My mortgage was never discharged. My mortgage company is continuing to report that my mortgage was discharged and I have a XXXX  balance. I receive a statement every month showing the current balance. I have also printed out my payment history during the time the bankruptcy was pending and it all shows my payments were made on time. I have asked XXXX  and XXXX  to correct this to indicate that there is a balance, and that I have made my payments on time, and that this was not discharged in bankruptcy. After their investigation my mortgage company still refuses to update this information which has a negative impact on my credit.
Product: Mortgage

Continued noncompliance and suspicious activity from Navy Federal Credit Union Mortgage Department. Please reference CFPB complaints XXXX and XXXX. 

After receiving the continuous emails from NFCU concerning a revised disclosure after my last complaint, I noticed a change in the loan officer assigned to my account. Not understanding, I reached out, and ask this person who they were and why are they now on my account. The response I received was that she was here to help with the complaints. 

That did not occur and its not occurring at all. Although she is very nice, her goal of trying to get me to use Navy Federal as my lender, in my belief to put suspicion on these complaints ( e.g. if I use them as a lender then how could they have done the things that Im accusing them of doing ), had nothing to do with resolving the complaints themselves. In fact, I was provided new and INCORRECT documentation in the form of loan estimates where a rate lock was applied because she had mentioned that it was something she could take care of. New documents were sent and they attempted to charge me for a lock but neglected to mark the correct boxes stating so. Also points were applied but no discount or viable explanation was given as to why I would be paying a higher rate, for a lock, that is not indicated on the loan estimate sheet. When I brought this to her attention, she eventually provided a loan estimate sheet that appears to be filled out properly, however it continues to support my belief of nefarious practices within NFCU. IF these are your best people and these are the people you have assigned to try to rectify any of the issues we have, then why are you still trying to price gouge me by applying a rate much higher than what I was quoted before, stating that because I did not lock at the time that any interest rate that increased is my responsibility to pay but neglect to note the reasons why such as your inability to explain what these rates are in a level where I can understand, and the bigger issue of your discriminatory practices! Then NFCU still presents their negligence and unwillingness to properly resolve any issues in the form of sending improperly filled out paperwork. NFCU should be required to explain why they are STILL sending improperly filled out documentation where for obvious reasons they are attempting to charge me for points and rate locks that they cant seem to figure out on their own in-house sheets. We can pretend, and keep calling these mistakes, but at what point are we going to call it what it is? Especially when Im being told these are your people to help resolve the issue so I must assume that they are the best people you can find to contact me. In their thinly veiled attempt to silence my complaints, Navy Federal is STILL trying to charge extra money one way or the other. Their actions continue to support my original complaint that there is something nefarious going on within their mortgage department and they have no desire or possibly ability to correct.
Product: Credit reporting or other personal consumer reports

I have been trying for years to get someone else 's name and credit information off of Transunion. Every time they supposedly investigate they come back and say its your information. Now I got new fraud alerts that this person tried to take out a loan on XX/XX/year>. I have all three of the credit reporting companies frozen, but Transunion says this other person can unfreeze them.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 
I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. XXXX XXXX has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by XXXX XXXX removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.
Product: Mortgage

WE WERE APPROVED FOR A MODIFICATION WITH CARRINGTON. WE MADE ALL THREE TRIAL PAYMENTS AND WE MADE OUR FIRST REGULAR PAYMENT. CARRINGTON CALLED TO SAY THEY WERE CLOSING OUR CASE BECAUSE THEY NEVER RECEIVED SIGNED DOCUMENTS. WE NEVER RECEIVED ANY DOCUMENTS UNTIL THEY FINALLY EMAILED US A COPY ON XX/XX/XXXX THE DATE ON THE DOCUMENT WAS XX/XX/XXXX AND THE DUE DATE WAS XX/XX/XXXX BOTH OF WHICH ARE PRIOR TO THE DATE THE DOCUMENTS WERE RECEIVED ON XX/XX/XXXX. THE SIGNED DOCS WERE XXXX  AND CONFIRMED RECEIVED ON XX/XX/XXXX. I HAVE MADE ALL TRIAL PAYMENTS AND MY XX/XX/XXXX PAYMENT AND SENT THE DOCUMENTS WHICH H
AD NO REAL DATE. CARRINGTON IS TAKING ADVANTAGE AND TRYING TO STEAL OUR HOME! WE CALLED CARRINGTON AND SPOKE TO THE TEAM LEAD IN HOME RETENTION XXXX EMPLOYEE # XXXX WHO BASICALLY SAID IT WAS OUR FAULT THAT WE DIDNT GET THE DOCUMENTS ON TIME AND SAID THE DENIAL STANDS. HE REFUSED TO TRANSFER US TO A MANAGER AND WHEN HE FINALLY AGREED HE DID TRANSFER US TO XXXX XXXX # XXXX. XXXX STATES HE IS GOING TO HELP US GET THE MOD REINSTATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXXXXXX XXXX XXXX Balance {$85.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Thats by law USC 1681 and USC 1681S2 I have the right to privacy and did not authorize these being put on my credit report and would like them removed Reported : XXXX XXXX, XXXX + {$320.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX & XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

sent this letter- This letter serves as a formal and initial communication to complain that you are reporting inaccurate and incomplete information on my credit report. The following information regarding late payments are inaccurate : Consumer Portfolio Service - Dates : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I respectfully request a thorough and accurate investigation into the data associated with this account, ensuring that all notations, dates, payments, and balances are reported correctly. I also request specific evidence proving that the alleged late payments were, in fact, late. To verify this, I am requesting copies of statements and payment transaction records from the creditor that demonstrate my payment was submitted late. 

Under 15 U.S. Code 1681e, it is your responsibility, as the credit reporting agency, to verify the accuracy of this information with the reporting creditor. If you are unable to provide proof of the alleged late payments, I ask that you update my payment history to reflect a " PAANL '' ( Paid As Agreed, Never Late ) status, in accordance with consumer protection laws.

Please send the results of this dispute and the updated credit report to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US  DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Product: Vehicle loan or lease

Santander imposed an unfavorable APR of 27 %. I believe I was targeted because I didnt have a favorable credit score as they have done with many others. Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower can't afford. ( I.E. In XXXX, Santander had to pay {$26.00} million to settle allegations that it gave high-interest loans to car buyers it knew could not repay them. ) They targeted low income borrowers and those with bad credit. 

I had a decent job with no other financial obligations. My credit improved and I tried refinancing for a lower interest rate with other companies and was denied because the loan was considered upside down, owning more than what the car was worth. Santander doesnt allow you to refinance or lower the interest rate. During the time I had my loan I terminated from my job on a few different occasions. I postponed about 6 payments due to this ( i.e. 2 in XXXX and 4 in  XXXX ). The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} had paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would be paid off. I had full coverage and gap insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter regarding an unauthorized inquiry placed on my Equifax Consumer credit File XXXX XXXXXXXX XXXX  this inquiry indicates further fraudulent attempts by hackers, scammers unknowns to benefit financially using my good credit standing. These attempts, fortunately, failed due to the recent credit locks and freezes placed on my membership accounts Equifax XXXX and XXXX, this aggressive approach I take it seriously to stop delays and deter further attempts to open unauthorized bank accounts, credit cards, etc., though I continue to provide proof of my identity. Equifax is requesting further additional documents submitted prior in asking most recent complete Application FTC complaint is needed as the report number presented prior is not sufficient ; therefore assured, once documentation in asking provided, we will lawfully ensure and remove this inquiry immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX, XXXX, XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of Ed/NelNet I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX a collections account appeared on my credit report. I did not know who this was r what it was for. The name listed was XXXX XXXX XXXX ( XXXX  ) I looked them up and called them on the phone. They informed me that the Original Creditor was XXXX. They said that the bill was from XX/XX/2013 but could not tell me what the phone number was attached to the bill. I then explained to them that I have been a XXXX customer in good standing for over 15 years and that my monthly payments are automatically deducted from my bank account, and that this wasnt my bill. 

I questioned them as to how they could put this on my credit report without ever sending me a bill. They couldnt answer that question. The person I spoke said that they would send me out a form to dispute the bill. On XX/XX/XXXX I received a letter from XXXX with a form included to file a fraud complainant with XXXX. I had never once said that fraud had been committed. I then took this information and went to XXXX and had them look up the account in question. They informed me that there was no record of the account other than that it was turned over to XXXX. XXXX informed me that XXXX had all of the documentation associated with the account in question. 
When I spoke with a representative at XXXX they informed me that they had nothing either, just that they had bought the debt from somewhere. Since I got nowhere with XXXX or XXXX I filed a dispute through all three credit reporting agencies. They all came back that the account was valid. 

I have never received anything from this company ( XXXX  ) no bills no statements nothing. I am at a loss as to how a company can put something on your credit report without validating the debt, even when I spoke with them on the phone they had nothing to establish that the debt was mine. I had a credit score of over 750 before they added this account, by adding this they dropped my score by 85 points which was very damaging to my credit. I am not sure how they can do that. 

I am hoping that by reaching out for help I can get this taken care of.
Product: Credit card or prepaid card

Upgrade approved credit line XXXX after submitting the verification documents to the final review department. Only to find out that a hold was placed on the account stating that they need to verify identification. I have sent them this information and find it to be a violation of the Fair Lending Act. I am in the process of contacting my attorney if they dont resolve this! Why did you approve me, verification department clearly approved the account and then suddenly I have a hold on my account.