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

Recently I have sent out a dispute letter to Experian regarding an account that's negatively reporting to my consumer report. They responded that this account is verified and belongs to me but how can this account belong to me if there is no mutual agreement between me and the creditor? I believe that it is Experian 's duty to report accurate information but if this account doesn't have any documents to providing accuracy nor agreements then this account isn't verifiable. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Experian must investigate this account and if the creditor can't provide any agreements then this account must fall off. Pursuant 15 U.S. Code 1681- Congressional findings and statement of purpose, Experian must report the most accurate information possible. This account is under multiple violations in which it's reporting unlawfully. 

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been used my information to open accounts. Ive sent letters to the Credit bureau 4 times and I havent heard anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting the incorrect collection agency for account XXXX. You are reporting the debt buyer as XXXX XXXX  when the correct agency is XXXX. I have already settled this account with them, and I will attach the bill of sale showing that XXXX does not own this account. The account number is also different than the account number that XXXX is reporting while XXXX has already removed this account due to its inaccuracy. The balance information is also different than the balance I have with the original creditor. Remove this inaccurate information from my consumer report immediately. Attached is the bill of sale.
Product: Debt collection

About two years ago I applied for dept relief program with company named XXXX. They resolved most of my credit card accounts. Recently I found my self at dead end as I received multiple advertisement letters in my mail from different attorney offices offering me legal help and stating that I 'm being sued by Citi Bank. I contacted Citi Bank and they told me that Citi Bank does n't own this bank account anymore and I need to contact the attorney that is handling this account. I was given attorneys phone number. I contacted the attorney and they did n't give me any information. They said that Dept relief program is handling this case. I called XXXX then, and they said there is nothing they can do about it, they have not received any correspondence from the attorney. In order for XXXX to take any action, they need to hear from the attorney first. So here I am in a closed circle.Bank does n't give me any information, attorney does n't give any information and XXXX ca n't do anything about it. I do n't know who is saying the truth and how do I need to handle this. I did not receive one single letter from the bank offering any options of repayment and here I am being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I purchased a truck from XXXX XXXX in XXXX, West Virginia. They informed me at that time that they could not pull my report from Equifax. That it was blank and that I needed to contact them. I did contact them and they said nothing was wrong with it. I believed it was fixed until I went to apply for a loan with XXXX XXXX XXXX on XX/XX/XXXX. They informed me that they could not pull my credit at that time that it was blank. Since that day, I have called them almost every day trying to fix this problem. XXXX XXXX contacted Equifax Business department. Equifax told them that it was something wrong and that I needed to contact them. I did this. They said nothing was wrong. I was given other numbers to contact. I have called them all. They asked that I fax my drivers license, social security card and w2 to the dispute department. I did this. They tell me that they received it and that it was fixed. I call back to XXXXXXXX XXXX and it still isn't fixed. I called again today and they say wait 30 days from Equifax and they would investigate it. Now my wife has had 6 hard pulls on her credit because we keep trying because they tell us that it is fixed. I have nothing else to do but to contact you and then an attorney. I have been patient but this is 6 months and was told finished and nothing has been completed. I need assistance.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$170000.00}
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 a 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 more 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, credit repair services, or other personal consumer reports

In XXXX, I sent a letter to Equifax asking them to investigate mistakes on my credit report. Its been almost two months since I sent in my letter. I 've even sent follow-up letters to them, and they still have n't responded.
Product: Debt collection

I have asked the company to notify me in writing about the loan. Over the course of the vehicle loan, the company would resort to calling third parties or individuals with the same last name in cities located outside of where I live. 

I wrote them to ask them to stop this practice and eventually believed that the aforementioned collection practice ceased. 

I have a landline set up for the purpose of using internet services. I also asked the company to communicate with me through the United State Postal Services. I received no billing statements from them for approximately a year XX/XX/XXXX. They wrote with an apology to say that it was an error due to their system. 

The vehicle loan was taken out approximately 5 years ago. I am currently employed seasonally. During the winter my work hours are reduced or are totally cut because I am considered an adjunct staff. 

I was 2 full months behind on the vehicle loan and have since paid the 2 months arrearage on XX/XX/XXXX The lender has demanded that I pay {$980.00} by XX/XX/XXXX including late fees in the amount of {$240.00} I paid {$740.00} cash on XX/XX/XXXX at a local banking retail center. The amount of {$370.00} was due on XX/XX/XXXX. I will be able to pay the XX/XX/XXXX and next payment of {$370.00} by XX/XX/XXXX The lender forwarded a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE letter dated XX/XX/XXXX I received said letter on XX/XX/XXXX after XXXX XXXX. 

The vehicle loan 's maturity date is XX/XX/XXXX Due to the approximate 1 year, I have left to pay on the vehicle loan and my current seasonal employment status which has changed since the life of the loan, I respectfully ask that the lender not enforce strict compliance in amounts not currently due.I am also asking that the lender accept current and all future payments so that I may satisfy the vehicle loan by said date of maturity. 

Pursuit of sections 805, 807, 808 all that would apply under the Consumer Financial Protection Bureau ( CRPB ) I am not in agreement with the lender 's threat to enforce repossession of the vehicle/ collateral or threat of legal action for any amounts due. 

I believe that I have given the lender a chance to correct the communication errors that have occurred during the lifetime of the loan. 

I ask that the lender offer a fair chance to me as the consumer and customer to bring the loan to a payment status that is satisfactory including past due amounts and any amounts that have become due before the payment deadline. 

I am therefore asking that the Consumer Financial Protection Bureau advise me of my rights and responsibilies as a consumer in order that I may bring resolution to this matter of business in a fair and respectful manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the agency several time about the bankruptcy report they have not contacted or complied.. This is not my file
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account.
Product: Debt collection

On XX/XX/2023 I submitted a complaint identified as XXXX. Pursuant to FCRA 609 ( e ), I am entitled to a copy of the documents submitted using my personal information. I have made multiple requests for this documentation. To date, XXXX2023, I have not received the documents. I demand a copy of the documents so that I may mitigate future attempts of unauthorized use of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealership had towed the car back and working with Ally to paid off this car loan. I had not received any statement during the lawsuit. Please remove this late payment mark. The car will paid off right now, Ally reported the XXXX that the payment was late 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account 3 times with the creditor Kohls/CapOne and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail to creditor Kohls/CapOne and XXXX, XXXX, XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the 30 days validation period. The creditor only responded to XXXX, XXXX, XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer? 
My fair credit reporting act rights are being violated by the creditor Kohls/CapOne by not providing validation of the account with the consumer directly.
Product: Payday loan, title loan, or personal loan

I have filed multiple complaints with the Consumer Financial Protection Bureau and have secured legal counsel. To date, only part of my complaint has been rectified. Big Picture Loans chooses to ignore the second part of my complaint. Should it not be addressed and remedied to my satisfaction, I will continue down the path of seeking legal action. Big Picture Loans is already being sued by several parties. One such suits is as follows : Plaintiffs, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX in the United States district court for the XXXX district of Virginia XXXX Division Case involves a criminal enterprise that was established with the intent of evading state usury laws. In an apparent attempt to insulate themselves from any legal liability, Defendants established what is commonly referred to as a rent-a-tribe business model, where a payday lending scheme associates with a Native American tribe in an attempt to cloak itself in the privileges and immunities enjoyed by the tribeor to at least create the illusion that it enjoys tribal immunity. Under the rent-a-tribe model, Defendants made high interest loans in the name of Big Picture Loans , LLC ( Big Picture Loans ), which claim to be owned and operated by the Tribe. In reality, XXXXXXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX ), funded the loans, controlled the underwriting, and handled the day-to-day operations of the business. In return for the use of its name, the Tribe received 2 % of the revenue but otherwise the Tribe had no control over the income or expenses of Big Picture Loans. I took out an installment loan with Big Picture Loans for {$1500.00} in XX/XX/XXXX. To date, I have made 12 payments for {$290.00} totaling {$3500.00}, more than double the amount of the loan. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. I have submitted a screen shot of that information with each complaint. 57.35 % of {$1500.00} is {$860.00}. {$1500.00} plus {$860.00} equals {$2300.00} yet BPL has collected a total of {$3500.00} from me so {$1100.00} more than the amount I should have repaid. As ofXX/XX/XXXX, BPL closed my account and marked it as paid in full. While I am satisfied my account has been marked " Paid in Full '', I would like {$1100.00} in overpayments returned to me. BPL fraudulently collected {$1100.00} in overcharged interest. BPL is predatory and illegal it would appear. I demand BPL immediately refund by direct deposit {$1100.00}. I have emailed BPL over a dozen times with no response. I will continue to file complaints and pursue legal action until this is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and how are you all doing? I hope very well indeed. First, I have been attempting to get a copy of my credit report for the last two years XXXX XXXX. Second, I was asked to send in my documentations so I did such as XXXX XXXX and an ID. Third, I sent it to them on XX/XX/XXXX. Fourth, afterward I receive a second letter stating the same thing as the letter I receive XX/XX/XXXX and XX/XX/XXXX. Fifth, therefore ; I called and the staff was unable to find my report on XX/XX/XXXX at XXXX. Sixth, I filed a complaint with XXXX XXXX and they directed me to you all. Seventh, I am filing a complaint against them because this is unacceptable. Finally, I just wanted my credit report that I have been getting every year. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card accout ( s ) and this has caused me to be misrepresented. My creditworthiness is displayed publicly to lenders causing a hardship. I'm also getting denied for future products.
Product: Mortgage

My mortgage company has not paid my property taxes for the 2016 year. I am almost 2 months delinquent for this issue. I have made multiple attempts to find an answer on why my property taxes have not been paid by speaking to their tax and customer service departments. Both departments have no idea on why and are giving me the run around. I was told I would get a phone call back to update me on the status 2 weeks later I am still waiting for the phone call. I do not want to pay the penalties incurred for the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this account from XXXX on my Credit Report back in XX/XX/XXXX. No clue who they are. I have disputed this account for the last 4 years and 5 months. Recently they sold it to XXXX XXXX who now has a collection agency handling it but not on my credit reports yet. I have disputed this account about 10 times and each time they say it is mine. Finally in XX/XX/XXXX I got a copy of their loan agreement. It has no social security number listed, no birth date and the signature is some docusign and says XXXX XXXX. Not even my name as I always use my full name with middle initial. XXXX XXXX is doing nothing to investigate this properly as I have attached the documents to prove to you. Which I have also sent to XXXX XXXX and all 3 credit bureaus but seemed to get me no where. Also now my credit reports says XXXX XXXX reports I made a payment on XX/XX/XXXX on 1 credit report and XX/XX/XXXX on another report but on one report said I never made a payment. This is destroying my credit and nobody is helping. I want proof this is mine and can't get it. I want to see my social security number that was used, birth date and proof these payments were made when they say, Also noted XXXX I never got a letter or a phone call from, all of a sudden they sell this account to XXXX XXXX and now they are calling. Please Help me resolve this.
Product: Checking or savings account

Banco Popular de Puerto Rico ( XXXX XXXX ) Received a call from an unknown number ( XXXX ) stating that my bank account had been compromised. I waited for the automated message to finish and indicating the above situation. Then their customer service number started ringing. I waited to see if somebody picked up but i guess they heard me saying I was gon na play a joke on them, knowing it was a scam, the person hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX, & Equifax continue to report incorrect information on the account listed as XXXX/DOFED there are several inconsistencies within the account which means it has not been properly verified as accurate. Furthermore each bureau is actively engaged in reporting fraudulent information because the note that is being used is whats funding this transaction and I can not be indebted to them and the reason they are complicit is because they make a profit for selling my information. I demand the documents used to verify that I am in debt with this creditor. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Student Loans Student Loans Miscellaneous Finance Creditor Remarks : Payment deferred Student loan - payment deferred Student loan - payment deferred Last Payment : - - XX/XX/XXXX
Product: Mortgage

I received a loan modification in 2015 in the form of a principal reduction. The terms of the loan will be up in XXXX of this year. Starting last XXXX, I sent an inquiry to Dovenmuehle [ the mortgage servicer ] to find out what I needed to do to get proof that I have fulfilled the terms of the loan modification. I have lost count of the number of times I have called them or emailed them. I have received no less than 8 letters from them, all stating they are working on my inquiry and will respond in the time allotted by law. That does not include the email responses that say the same thing. To date [ 3 and a half months later ], I have received absolutely no form of answer from them, except that they repeat the information I have given them, and then state they hope that answers my question. 
I have gone ahead and initiated a mortgage refinance with another company without knowing if Dovenmuehle will accept that I have fulfilled the modification requirements. All I wanted from them was a simple answer, which I can not seem to get.
Product: Credit card or prepaid card

Chase Bank has accepted, and the business has accepted the mistake made by the business and has resolved it. Then, two months later, Chase decides to reverse the decision because of an internal glitch. They are now harassing me and continuing to try and make me pay for an already accepted disputed charge.
Product: Mortgage

My loan was with XXXX and then Green Tree purchased it from them. Ive had a loan mod. through Harp and have been thru bankruptcy. Since my BK Green Tree has harassed me calling me to see when i will be making my payment, even though Ive never been late since they took over. They are ruining my credit by not reporting my payments on my credit report it says derogatory and no payment history. I believe I am a excellent customer and they are a predatory lender with no scruples. I have worked hard to save my house and rebuild my credit but this means nothing to Green Tree Servicing!