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

Fraudulent Inquiries my credit report. here are the names of the companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Since XX/XX/XXXX, American Education Services has increased the interest of my student loans. Account number in reference is XXXX. Please see below. 
LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.180 % XX/XX/XXXX LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.200 % XX/XX/XXXX LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.250 % XX/XX/XXXX There is no specifics as why the increase in rates for 3 consecutive times within a year. I would like to investigate and find a resolution. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 I have disputed the same inaccuracies on my credit report with all 3 bureau 's and Equifax right now seems to be the one not doing their job and following the laws. I spoke to a manager yesterday named XXXX who I reached out to because it had been yet another 30 days since I sent in my XXXX, 2018 disputes and I had not received any communication back from them and even when I called yesterday their automated system said my stuff was still under investigation. Yesterday when I spoke to XXXX she said none of my stuff was in dispute it had all been closed and merchants just replied verified. Although I told her the other 2 bureau 's had already removed the items I disputed with them as well XXXX XXXX repeatedly told me that there was nothing she could do, she couldn't change or delete anything and all she could do was continuously initiate another dispute. I know this is a lie they have removed a ton of people 's inaccuracies every day. I felt like XXXX did not want to do her job. I asked her how did the merchants provide or what proof dis they provide to show that anything was actual and factual and she said the merchants did not say how things were factual and that Equifax does not make them submit that info. I told her it is her job to make sure they are reporting accurately and not falsely because anything else is defamation and she still kept saying the same thing. Time is up I have given them months to correct these errors and inaccuracies to no avail.
Product: Vehicle loan or lease

Ally services is the worst company I have ever used for anything. Besides the first year of constant problems I've had, I have requested to not be called on church day, Sundays. Several agents over the phone and via chat have ensured me that wouldn't happen anymore. Until this day, they still call twice a day on Sundays. 

I've been making all my payments and do not have any extra payments behind. They are due on the XXXX of every month. Starting the XXXX, they call, text and email me daily. I pay all my payments on the XXXX  for the month before. Not even 30 days late. This is harassment and they refuse to stop the calls. 

I even get voicemails stating that there aren't any agents available!!
Product: Debt collection

They call my cell phone but i cant answer my phone at work they pull a history and found my work number and they call me there tell me i need to paid this small balance i own yrs ago if not they will take legal action against me. They call mine my work phone with a different number so i can pick up and they call every 3omin and threatened me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts, as I am a victim of fraud from a data breach from XXXX. I asked them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all according to the FCRA regarding Identity Theft. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX Credit Management # # # # # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never once gave my information to XXXX XXXX XXXX so i dont know how can i owe a debt when I never signed a contracts with them. I also put on claim with them on XXXX XXXX nobody have still responded to my letter.
Product: Mortgage

My XXXX XXXX XXXX  was bought out by another company. The company is Selene Finance. I was never notified. I went to go pay my bill and saw the loan was removed due to  release on XX/XX/2018. I had to call XXXX to ask why this had happened. It took me about half hour to get through to them due to high call volume. They informed me that my loan had been sold to Selene and gave me their number. I asked why I had not been notified and she just said I am sorry you were not notified. 
I called Selene after being on hold for about twenty minutes. The rep. asked for my info and after getting it told me that this phone call was an attempt to collect a Debt. I told him that my account was not delinquent and he said yes that is true. He gave me my account number so that I would be able to complete my online account. I asked him why I was not notified since the first payment would be due on XX/XX/XXXX. He said that I would be receiving a packet in the mail very soon and then I could mail in my payment. I asked why I was not notified sooner, he had no answer. 
If I had waited for them to get me this info by mail and then mail it in, the payment would have been late. I completed the online account with Selene and scheduled a payment for XX/XX/XXXX. I see on the XXXX  that many people have gone through this with not being notified and then having late payments. Also it seems that this company has a problem with posting payments on time and others going in to foreclosure due to this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX easily locked my credit. Experian is refusing to do so unless I prove my identity? If they can track me then they must know who I am.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Mortgage

I had some financial difficulties at the start of the Covid-19 Pandemic but never missed a mortgage payment. However, I visited XXXX XXXX website in XXXX 2020 to just request basic information about mortgage assistance options just in case things got worse. Unbeknownst to me, and without my authorization, permission or disclosure, Wells Fargo placed my loan in forbearance. My mortgage payments are auto-debited from a checking account held by Wells Fargo which has at least 3 months of payments available at all times. Without authorization or permission from me, Wells Fargo discontinued the auto-debits for my mortgage payments. 

At the same time this was occurring, I was also seeking refinance options to replace my unaffordable, adjustable-rate mortgage with Wells Fargo with a fixed-rate mortgage at the historically low interest rates. I applied with another lender and was pre-qualified for a fantastic interest rate and a much lower payment. However, in XXXX, that new lender notified me that my Wells Fargo loan was in forbearance and, therefore, I was denied and could not get the refinance loan. 

Wells Fargo has trapped me in their unaffordable, adjustable-rate mortgage and my credit is severely damaged by their wrongful forbearance scheme. 

Once I discovered their fraud, I attempted to cure the missed payments, but Wells Fargo repeatedly misapplied my cure payments. It took months just to get the cure completed. However, my credit still shows those months without payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$48000.00}.
Product: Credit reporting or other personal consumer reports

Something appears to be going on with my credit and identity. Experian, one of the many place that keep this information, has been abhorrently difficult to deal with. While their " customer service '' has been " kind '' end of day I cant get anywhere. Their login constantly spews " oops, were sorry '' error messages, which I plan to attach a screenshot, and calling the number listed ends in constant round about of automated and useless BS. These people have wrong info about me, they are probably now causing problems for me even though I have impeccable credit throughout my life, no debt, etc.
Product: Mortgage

I contacted select portfolio servicing to make a payment on the phone since my draft payment did not process on XX/XX/2021 and when I contacted select portfolio servicing the representative said he could take my payment which was not the payment for XXXX because it already processed but it hadn't and I was trying to make the payment that was received before XX/XX/2021 and I XXXX the payment on Friday XX/XX/XXXX with a note to apply the payment for the XXXX payment which was returned to avoid reporting the payment late to the credit bureau since they couldn't process it over the phone and If I made the payment it would have applied to my XXXX payment instead of the XXXX payment because the mortgage system currently showed it was paid. I want the late payment removed from my credit report because the mortgage company system could not process the payment for the month of XXXX on XX/XX/XXXX which is not XXXX and they did not tell me I could do a wire transfer to note on the form this payment was for XXXX
Product: Credit reporting or other personal consumer reports

Discover Financial Services XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Dispute of Late Payment Entries on Credit Report for Account with DISCOVER BANK Dear Discover Financial Services Representative, I am writing to address inaccuracies on my credit report concerning late payment entries associated with my account at DISCOVER BANK ( Account Number : XXXX ). These inaccuracies have adversely affected my XXXX XXXX, and I request their immediate correction in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment entries that do not accurately reflect my payment history. I urge you to investigate and remove these erroneous entries promptly. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., requires credit reporting agencies and information furnishers, such as DISCOVER BANK, to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Under the FCRA, you are obligated to conduct a prompt and thorough investigation of disputed entries and correct or delete any inaccuracies within 30 days ( 15 U.S.C. 1681i ( a ) ( XXXX ) ). Non-compliance with these obligations may result in legal liability, including damages and attorneys fees ( 15 U.S.C. 1681n ). 

Additionally, the FCRA prohibits the reporting of adverse information, such as late payments, beyond XXXX years from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( XXXX ) ). 

In light of the above, I respectfully request the removal of the disputed late payment entries associated with my account from my credit report. I further request written confirmation of these corrections within 10 days of your receipt of this letter. Failure to address this dispute in a timely and accurate manner may compel me to pursue further action, including filing formal complaints and seeking legal remedies. 

Thank you for your prompt attention to this matter. I trust that you will resolve this issue expeditiously and uphold the accuracy and integrity of my credit report in compliance with the FCRA. 

Sincerely, XXXX XXXX -- - Federal Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty of furnishers of information to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( XXXX ) ( Procedure in case of disputed accuracy ) XXXX5 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( XXXX ) ( Requirements relating to information contained in consumer reports )
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX Account # XXXX XXXX- Account # - XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX  - XXXX- XXXX
Product: Vehicle loan or lease

I have requested documents several times via XXXX XXXX XXXX from Brite Financial pursuant to 15 USC 1692g. I have received nothing from Brite Financial as Ive requested an audit trail for this account aswell as the address and name of the original creditor. 
XX/XX/2021 at XXXX. Brite Financial violated my consumer rights by giving out my location information and paying another person to come and steal my property. This is a violation of 15 USC 1692d ( 1 ).

Brite Financial has failed to provide me with any updated information with any and all third parties that this alleged debt is disputed pursuant to 15 USC 1692e ( 8 ).

Brite Financial has failed to send me a written notice of my right of redemption and/or reinstatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a negative debt on my credit and I never lived at that address, I have contact the Apartment complex company and they could not find me I need this negative info off my credit so I can go on with my life I need the sign lease with my signature and me agreeing to pay whoever lived at XXXX XXXX in XXXX. Debt XXXX The company XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Mortgage

on XX/XX/XXXX sat with a XXXX XXXX the Commerical morgtage representativeve from citizens bank and needed to apply for a construction to build a second home in XXXX  NC I explained to him that i just purchase a property in XXXX nc which had a small house on it and was tearing it down to build a new bigger home. 
I submitted a Hud settlement sheet to show the purchase along with all other documentation he requested. 
After 8 weeks i was denied the loan because the underwritter saw that it was a construction loan to a construction loan which was clearly seen on the Hud settlement paperwork which was submitted 8 weeks earlier. 
Prior to receiving my denial letter which was dated on XX/XX/XXXX XXXX XXXX reached out and asked me on XX/XX/XXXX for the {$540.00} appraisal fee. I asked why i am paying for a appraisall fee when there was no house on this lot ( was removed on XX/XX/XXXX ) XXXX XXXX said it was part of the process. 
Citizens bank went ahead and debited my account {$540.00} on XX/XX/XXXX. 
My question to XXXX was if i was denied the loan on XX/XX/XXXX then why did citizens remove the funds from my account on XX/XX/XXXX I have reached out to XXXX and his boss XXXX to get my {$540.00} put back into my account as of this email i have yet to hear from both parties on this matter also to this date i have not received any copy of a appraisal that i paid for. 
I feel XXXX XXXX knew from the start that this would be denied but wanted to make his application numbers work for him in the first quarter of the year and continued to go down this road for quotor purposes
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraudulently opened by an ex of mine while we were living together on the verse of our lease ending and a break-up. I am not the owner of this account and will be taking legal action against the company, the dealership, as well as the individual involved, purposely negatively and maliciously affecting my credit.
Product: Debt collection

Received notification from debt collector dated XX/XX/XXXX. Called debt collector on XX/XX/XXXX to inform them the debt was paid on XX/XX/XXXX and cashed on XX/XX/XXXX by original biller. Debt collector had no record of payment. Called original biller and they confirmed that debt was paid and would notify debt collector. Received notification from debt collector dated XX/XX/XXXX that debit was still owed. Contacted debt collector on XX/XX/XXXX and spoke to supervisor. Supervisor claimed I would need to provide proof of payment, I told they would need to contact original biller and supervisor claimed it didnt work that way. Contacted original biller and they informed me that they have notified the debt collector on two occasions, in XXXX when debt was paid, in XXXX when I called and would send another notification. Agent claims that it sometimes takes 2 or 3 notifications for the debt to be cleared and to give it a week and call back debt collector to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LexisNexis on several occasions. They are governed by rules of the fcra. Settlement has taken place by them in the past regarding the fcra. I submit the information I provided them on XX/XX/2018 far past the 30 days they legally had to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, CREDIT COLLECTION SERV added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, CREDIT COLLECTION SERV has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency has refused to investigate various creditor that I believe are report information incorrect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account. This account showed up on all 3 of my credit reports. Please remove this incorrect information from my credit reports. All 3 of my credit scores have dropped XXXX plus from this false information being added.I have no knowledge of this company, nor have I authorized them to use any of my personal Information. 

Account appears as : Name of Reporting Agency : XXXX XXXX XXXX Reporting opened : XX/XX/2023 ( 4 mos )