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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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: Debt collection

I sent notarized Affidavit of Truth via certified mail to resurgent receivables llc  on the XXXX day of XXXX I will attach what was sent below per the legal contract agreement stated if Resurgent receivables could not absolutely prove I owe the debt they must stop reporting they had 21 days which would of been the XXXX day of XXXX to respond I never received a response and yet its still reporting also per the contract agreement it states that if continuing reporting after the 21 days there will be a XXXX $ charge everyday it continues to report the total of charges are now XXXX I recently sent a invoice via certified mail that has exceed the response time frame yet again they are in violation of the Affidavit of truth legal contract agreement that was sent and received if this is not resolved in a timely I will seek legal action for my damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint previously with you about XXXX. XXXX reported to XXXX and XXXX  the accounts were last payment XX/XX/2014. Equifax and XXXX are refusing to remove the accounts like XXXX and Equifax. XXXX will not talk to me at all saying they can not help me due to them no longer having my account. And when I requested them to reinvesitagate XXXX my credit score has dropped drastically and XXXX has put comments on all accounts making it impossible to get my credit score back up. I do not find it fair I should have my credit score drop because I am asking for them to fix it. And also Equifax is the only credit Bureau who messed with my XXXX school account and that in addition dropped my credit score. I called and talked to XXXX and they said they have not sent anything in regards to late payments being changed and Equifax is claiming they did and that is why my credit score has plummeted. Can you please make Equifax fix what they have messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE
Product: Debt collection

I have had a loan with Lending Club for almost 2 years. A year ago, our income dropped substantially and paying Lending Club on time each month became difficult. I called  them ( a s I called all our bill compa nies ) and  attempted to see if we could do a modification. My husband and I were trying to avoid bankruptcy, and they were not willing to help at all. We were told we would have to qualify for the new loan, which obviously we would not with our income drop. We were told to keep making our payment as is. I explained then, that we would try to make it each month, but it would most likely be late.   When we moved, it was from the  XXXX  coast to  XXXX . I updated my phone number and address with them. My family and I have been living with our family here and are " homeless '' so we have a  XXXX   XXXX   , an d every time I call I have to explain that to them when they ask me for my personal address. We do n't hav e one .. .   My actual complaint ( aside from them just being a horrible and heartless company ) is their collections practices. They are in EXTREME violation of the Fair Debt Collection Practices Act ( FDCPA ). Their attempt to call me when my loan is past due starts at  XXXX . They will continue to call all day, every hour on the hou r 3-5 times e ach day. That is harassment, plain and simple.   This morning (  XXXX / XXXX / 17  ) when I called to make my payment ( as I do EVERY month ) I notified the gentleman on the phone of the harassment and that I would appreciate him to note that it is against the law to call me before  XXXX . He stumbled over his words and said he would just flag my account cease and desist, as if that would prevent any calls from coming to me. This would be fine if it actually worked. Not eve n 10 minut es after this conversation I received ANOTHER collection call.   I would also like to note, in the past I have blocked the Lending Club number. However, the company must change it every few months as the early morning and frequent calls continue.   We are struggling to make ends meet, and understand the need to collect. However ; harassment is NOT OKAY. I have repeatedly updated my contact info, notified them of where I 'm living, and they continue to call me before  XXXX  ( as early as  XXXX  ) and the calls come in every ho ur 3-5 ti mes a day. They change their number, so blocking them has done  nothing. Complaining to them has done nothing, as they continued to call, and even flagging my account Cease and Desist did nothing as I received a call within 10 minutes of getting off the phone with them. I t 's unacceptable and I know I can not be the only person who is being harassed by Lending Club.
Product: Checking or savings account

I opened a Citi Priority Account Package on line on XX/XX/2018 during Citibank had a promotional opening bonus between XXXX. ( see attachment 1 ) Citibank sent me a message states my application of Citi Priority Account Package with Regular Checking and Citi Savings is being processed. ( see attachment 2 ) Per their promotion requirement, I deposited {$50000.00} bank fund into my City Priority account around XX/XX/18 and maintained the same balance until XX/XX/18. 

Since I have not received {$600.00} cash bonus, I questioned Citibank and ask for the promotion on XX/XX/2018. 

XX/XX/18, Citibank denied my request and provided a reason that I did not opened a saving account during their promotion period. ( See attachment # 3 ) Here is my complaint : 1. I opened Citi Priority Account Package with Regular checking and SAVINGS at same time. Citi 's application confirmation shows so. 

2. If I am NOT eligible to open the Savings account, should Citi send me any notice on this issue once their process is done? Why I have nerve receive any notification from Citibank since I applied to open a Citi Savings?? 

Perhaps Citibank had a mistake on their process and not open a savings account for me. Then they have to honor this promotion bonus to me. If they continually blame customer do not meet their requirement, that could be a cheating and misleading!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXXXXXX 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: Debt collection

A XXXX XXXX from XXXX XXXX at XXXX is calling and asking for a XXXX XXXX. No such person resides at this number or residence. She attempted to be deceptive in giving her phone number and I was able to capture her true phone number on my caller ID.
Product: Mortgage

I have a mortgage loan with US Bank. In XXXX, 2018, I sent a letter to US Bank requesting cancellation of my PMI. In previous correspondence, US Bank informed me that I would need a current appraisal to cancel my PMI. In the letter they sent me, they informed me that the estimated appraisal fee would be {$1300.00}. The letter indicated " if the cost is less, we will issue you a refund or you may request the overpayment be applied as a principal curtailment. '' I sent them the check and a letter requesting to move forward with the PMI cancellation process. In my letter, I also indicated that an appraisal in my area only costs around {$800.00} so I expected a refund of the difference. The appraiser completed his inspection in XXXX and sent the report to XXXX. When I talked to US Bank about this, they informed me that they use XXXX for appraisal ordering. 

In XXXX, I called US Bank to inquire about when I would expect the remaining money to be refunded. I was informed by US Bank that the invoice they received was for the full {$1300.00}. I immediately contacted the appraiser and requested the invoice. I have worked in the XXXX XXXX in my area for 20 years and had never heard of a single family appraisal costing {$1300.00}. The appraiser told me that he couldn't give me a copy of the invoice, however, he also informed me that he did not charge more than {$650.00} for the report. I have included his fee schedule that is consistent with his claim. I called US Bank and presented them with this evidence. They reiterated that the invoice they received was for the full {$1300.00}. I requested, in writing, confirmation from US Bank that their invoice was in fact for the full {$1300.00}. I have also included this letter. 

It appears that XXXX paid the invoice from the appraiser for {$600.00} to {$650.00} and kept the remaining {$730.00} - {$780.00}. The amount that XXXX kept was more than twice the amount of the actual appraisal. I believe that I was intentionally misled during this process. There should be no reason the fee for this service should cost more than 100 % of the actual cost of the report. 

I have attached the following documents to support my complaint : PMI cancellation instructions from US Bank Request for cancellation from me to US Bank Fee confirmation letter from US Bank Fee schedule from the appraiser Copy of page 1 and 4 of my appraisal to show the client who ordered the report
Product: Credit reporting or other personal consumer reports

I have sent debt verification letters to all 3 credit bureau as well as company chase XXXX. I have never received them I only got the bureaus to update and very that the company is telling the truth. In which I question because this company is reporting inaccurate payment and late payments historys on experian it say I was XXXX days past due in XXXX and XXXX as well as XXXX and XXXX in the year of XXXX. On equitable it is alleging that I was late on my payments by XXXX days in the month of XXXX and XXXX days past due in XXXX which leads me to ask exactly who is they being honest about my history to?. In XXXX, XXXX and XXXX of XXXX it is reporting to XXXX that in all 3 months I was XXXX  days past due how is that even possible, to XXXX it has no data at all available. This company has been very untruthful violating my right to an accurate and fair credit report. I asked them for my XXXX form and the copy showing the car was sold in auction and was told they can not provide that to me. This company also failed to update the charge off balance in which they sold this vehicle for over {$2400.00} before charging this account off dropping the original charge off balance of {$7700.00} I would like for this to be removed off my credit report as it is untruthful, inaccurate and damaging to my credit and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that XXXX used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. XXXX repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX 2024
Product: Credit reporting

I have NOT authorized any credit inquiries for several months yet there are XXXX new credit inquiries on my credit report. I dispute authorizing any credit inquiries
Product: Credit reporting or other personal consumer reports

Transunion is adding to this fraudulent case further by again reporting transactions and experiences of accounts I never gave them permission to report And now Allowing Companies to look over my credit as a account review inquiries without my expressed permission I have opted out as of XX/XX/24 of transunion sharing information But transunion disregards that fact and is continuing to get paid off my consumer information The only way this illegal action will be remedied is the immediate deletion of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has also put a security freeze and fraud alert on my report With out my written expressed consent that Im just finding out about which will be added to the fraudulent practices being handled on my report I want those removed Quickly Or I will have no choice but to further escalate
Product: Credit reporting or other personal consumer reports

On XXXX  XX/XX/XXXX I accessed my XXXX credit card and noticed my credit score had substantially decreased. I accessed my Experian credit report through XXXX. In addition to the current credit accounts I own, an additional credit line was listed through XXXX  XXXX XXXX. Per the report the account was opened on XX/XX/XXXX, its current balance is {$6600.00} with a credit limit of {$6000.00}. 

On XX/XX/XXXX I contacted Experian regarding the issue. They requested I contact XXXX  XXXX XXXX and initiate a fraud complaint. I called XXXX  XXXX XXXX on XX/XX/XXXX. They were unable to identify the account based on my name, social security number or the account details listed above. They initiated an investigation that I was told would take 7-10 business days, with final outcome being reported to the credit bureaus and taking up to 90 days to process. I relayed this information to Experian who advised I report this issue to the FTC ( which led to this page ) and my local police. They also informed me that I can complete a dispute through Experian which would be an independent process from the XXXX  XXXX XXXX XXXX, and take up to 45 days.
Product: Payday loan

I had to borrow money from a payday loan-title loan from Cash Max to get my car repaired, because my credit was n't good enough to borrow from a bank or financial institution. I just want to know how they can charge the fees they charge each month. I can only pay {$300.00} a month, and {$270.00} goes to fees. I have been paying on this loan since XXXX 2016, and I have only been able to pay a couple XXXX dollars on the principle. The original loan was for {$3100.00}. I am sending you a copy of the XXXX payment for you to research. I do n't know if there is anything you can do to help me, but I have paid {$2400.00} toward the {$3100.00} original loan, and you can see what I still owe. These companies are ridiculous. I borrowed the money from Cash Max, but the actual lender is XXXX out of XXXX, OK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iwastheco-signerforanautoloanwithWestlakeFinancialServiceswhichwasopenedonoraboutXX/XX/XXXX.ThevehiclewasthenvoluntarilysurrenderedonoraboutXX/XX/XXXX,duetoconstantmechanicalrepairs.Approximately7to10Kworthwithintheyearoftheownershipofthevehicle.Thecreditordidnotsendanyonetopickupthevehicle,untilXX/XX/XXXX.Furthermore,myXXXXandXXXXreportdonotmatchthecorrectinformation.XXXXhaslistedthattheaccountwasclosedXX/XX/XXXX.XXXXhasthattheaccountwasn'tcloseduntilXX/XX/XXXXandtheyhavelistedfalselatepayments.Wethenreceivedaletterdisclosingtheamountforwhichthevehicleitselfwassoldatauctionfor.Theamountshowndidnotaddupfortheamountthatwasstillowedbyus.Theyhavefalselyreportedthattheaccountwasarepossessionwheninfactitwasavoluntarysurrender.
Product: Credit reporting or other personal consumer reports

There was a judgement that was passed during a class action lawsuit Santander Consumer were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So Santander account number usa XXXX is violating my right per fcra please delete off my credit report attach is the court order
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate reporting of a charge-off account on my credit report by American First Finance . The account in question is referenced above. I believe that this reporting is in violation of 15 U.S.C. 1601, commonly known as the Truth in Lending Act ( TILA ).

Under the provisions of the Truth in Lending Act, creditors are required to ensure that all credit information provided to consumer reporting agencies is accurate, clear, and not misleading. The charge-off status reported by American First Finance fails to meet these standards for the following reasons : 1. Inaccurate Information : The charge-off was incorrectly reported or may not have been fully validated by American First Finance . This reporting does not reflect the true nature of my account or the circumstances surrounding it.

2. Failure to Provide Clear Disclosures : American First Finance may not have provided me with the necessary disclosures or information related to the account, as required under TILA. This lack of transparency has directly impacted the accuracy of the information reported to the credit bureaus.

3. Potential Violation of Fair Credit Reporting Practices : The continued reporting of this inaccurate charge-off has resulted in significant damage to my credit score and financial standing. This is a violation of my rights as a consumer under federal law. 

I have made every effort to resolve this matter directly with American First Finance but have been unsuccessful in reaching a satisfactory resolution. I am now seeking the CFPBs assistance in ensuring that my credit report is corrected and that the charge-off is removed. 

I kindly request that the CFPB investigate this matter and work with American First Finance to correct the inaccurate reporting on my credit file. 

Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving this issue.
Product: Checking or savings account

I received a letter dated XX/XX/2022 stating that my 18 MONTH CD with Synchrony Bank would mature on XX/XX/2022. I called a few days later and requested from XXXX that the CD not be renewed, that I want the money deposited in my checking account. She assured me it would. When the money didn't arrive in my account, I called again on XX/XX/XXXX and talked to a man, XXXX, in XXXX, who told me there was a security hold on my account ( that I had placed on a savings account years before I opened the CD account ), and that he would have it removed. He put me on hold and never came back. On XX/XX/XXXX, I called again and spoke to XXXX who assured me she would have the security hold removed and I would receive the money. When that didn't happen, I called XXXX on XX/XX/XXXX who said the same thing XXXX did. I told XXXX that if I didn't receive the money, I would report Synchrony Bank. Four business days later, I still have not received the {$15000.00} ( balance as of XX/XX/XXXX ) that is the CDs worth.