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

My mortgage was transferred from XXXX XXXX  ( loan # XXXX ) to Selene Finance on XX/XX/XXXX. At that time, the home was in escrow. XXXX XXXX contacted Selene Finance ( Loan # XXXX ) on multiple occasions in late XXXX and XX/XX/XXXX attempting to get a loan payoff and were rebuffed with the recurring excuse that my loan " was not in their system '' and they were unable to accept payment. We already had a payoff from XXXX  but without a demand from Selene, escrow was unable to proceed with the payoff. I finally reached an employee ( XXXX XXXX ) at Selene on XX/XX/XXXX who was able to secure the payoff for us the next day and the loan was paid in full on XX/XX/XXXX. When escrow did finally close, I was forced to pay many extra days of interest and taxes ( approx {$200.00} per day ) because of their refusal to provide a payoff when asked in late XXXX and early XXXX. I was lucky my buyer did not back out of the purchase due to their incompetence and misconduct. 

My loan with XXXX  was in forbearance at the time the loan was transferred. XXXX  rightfully reported my loan as paid as agreed. Selene reported " paid XXXX days late. '' I have contacted Selene Finance on multiple occasions to no avail so I filed a dispute with the credit bureaus which Selene responded to and lied to them saying I was 180 days late. If in fact I was 180 days late, there would have and should have been late fees charged to my account. None were charged because I was not late. My loan was under forbearance when it was transferred and Selene Finance was required to honor that forbearance or in the alternative accept a payoff in a timely manner. They did neither. 

Selene Finance only owned my loan for 19 days and spent 18 days of that refusing to take money from myself or escrow. Now they want to claim I was 150 days past due which is an outright lie. They need to correct my credit bureaus as they have dropped my perfect credit score from XXXX to XXXX. This is unacceptable and they do not respond to requests to correct their mistake. The phone number designated for disputes ( XXXX ) is not in service and rings 3 times then hangs up. I am attaching a screen shot from my phone showing multiple attempts to call. 

The lowered credit score has caused my business ' credit to be affected thereby choking my business during a pandemic. 

I am attaching the following : The original payoff quote I got from XXXX  good through XX/XX/XXXX The letter from XXXX saying my loan was being transferred which I received on XX/XX/XXXX An email from my realtor to XXXX XXXX with the letter referenced above attached and response from escrow saying they would need a new demand Emails from escrow from XX/XX/XXXX - XX/XX/XXXX outlining efforts by XXXX XXXX to get a payoff from Selene Finance to no avail. 
Text messages with my realtor from XXXX XXXX outlining the scramble to finally get a payoff from XXXX XXXX at Selene Finance the payoff quote and accompanying email I finally got on XX/XX/XXXX 2021
Product: Mortgage

Back in XXXX and XXXX, we were out of work XXXX furloughed ) due a natural disaster in Florida. The XXXX and XXXX declared a state if emergency. I reached out to my mortgage holder Rushmore Loan Management to advise we we XXXX be missing payments due to this emergency. I was told no negative reporting would be in my credit report but I recently learned six missed payments were posted even though the mortgage company agreed no reporting would be posted and that we would refinance the loan. The loan was ultimately refinance but Rushmore failed to remove the six markers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management has failed to comply with FTC Regulations and refuse to fix this issue. This is a clear violation of my consumer rights. 

They have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
Product: Consumer Loan

Even though Wells Fargo Dealer Services received the payment for our car loan on XX/XX/2016, they sent the attached collection letter implying that we were in default on our loan agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XXXX is continuing to report on my Equifax credit report XXXX student loans that were included in chapter XXXX bankruptcy in 2019 as having balances and in charge off status ( the other bureaus have deleted or corrected this info ). I have notified XXXX and they have closed out my disputes as duplicates in error without addressing the issue related to my bankruptcy filing in 2019. The issue that I reported previously regarding these loans was in regard to the original delinquency dates, which is another matter. Regardless of the original delinquency date dispute, these loans were included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019 & XXXX was obligated at that time to report a zero balance on all of the loans they held at that time and stop reporting charge offs. Not only did they fail to do so, but I have now notified them a total of 5 times in writing that they have ignored. I need this immediately fixed on my credit or I will file suit within the next 14 days. These are old accounts that should not be reporting any activity since the bankruptcy. 

I do not agree that I owe this debt and nothing in this correspondence is an acknowledgement of any debt.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

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

I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I have been a victim of identity theft. I rarely ever check my credit and my girlfriend checked it for me for my business and saw several items that we were unaware of. There is debt on accounts that we never took out. Please help me because this is hurting my ability to buy more XXXX  for my XXXX XXXX.
Product: Debt collection

Complaint Regarding Unrecognized Medical Debt Company Involved : RMP SRVC LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Summary : Incident Description : On XX/XX/year>, a dispute letter was sent to RMP SRVC LLC regarding a medical debt I do not recognize. The letter was received by the company on XX/XX/year>, with confirmation of receipt. 

Debt Dispute : The amount claimed by RMP SRVC LLC is {$100.00}. I have no record or knowledge of this debt. The dispute letter requested comprehensive validation, including proof of the debt and authorization to collect. 

Lack of Response : As of now, I have not received any response or documentation from RMP SRVC LLC regarding the requested validation. 

Impact : The debt remains on my credit report, causing financial and emotional stress.
Product: Debt or credit management

XXXX XXXX XXXX XX/XX/year>, XXXX to i XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a text notification from your organization on XXXX XXXX asserting that I owe an alleged debt of $ XXXXdollars. related to reference number XXXX 1. Verification of the Debt : Please provide the detailed written statement of the debt including the original creditor 's name and contact information.

2. Proof of ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full account history : I would like to receive a complete account history including all statements and transactions related to the debt.

4. Copy of the agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

5. Documentation on your licensing : Please furnish me with your agency 's licensing and registration information as required by the relevant state and federal laws. 

Please consider this letter as a formal dispute of the debt, and I kindly request you respond to this dispute in writing within 30days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA.

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to your agency having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. I will report all parties to the Better Business Bureau. The Consumer Financial Protection Bureau and The Attorney General. 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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, credit repair services, or other personal consumer reports

After signing up with United Credit Education Services ( UCES ) I realized that I would have to handle the paperwork regarding my credit repair. I was responsible for mailing dispute letters and sending their company any updates regarding my credit reports. I would then have to send them this correspondence and await for additional dispute letters to send myself. This information was not brought to my attention until after I paid my {$100.00} sign up fee and $ XXXX monthly fee ( {$180.00} total to start the service ). I was not pleased, but was aware of their full refund option so I kept the service awaiting for items to be removed from my report. My first dispute letters were mailed to me and I sent them to the bureaus. The second dispute letters were submitted to my account via PDF which is password protected and I was never provided the password to access. Now, after 3 months of service and with no changes to my credit report by their service I have requested a refund. Their site and the representative I initiated this service with stated there is a money back guarantee and their website indicates they offer a full refund if not satisfied with their services. The specific language regarding is below : Once you get started with our proven approach to credit restoration, you may begin to see exciting results within the first 60 to 90 days. With your ongoing participation, you can continue to experience improved credit throughout our credit restoration process. UCES understands that every financial scenario is different ; that's why we back our service with a Satisfaction Guarantee, taking every step to ensure a positive experience. Extended service times, other product offerings, and money back options, up to and including a full refund should we not meet your expectations. What do you have to lose other than your less than perfect credit? Individual results may vary. 

I have reached out to Customer Service and to no avail will not receive any refund for their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan through Santander Consumer USA. I am currently financing a XXXX XXXX XXXX ( VIN :  XXXX ). My account number is XXXX. 
Last year, I was facing financial hardship. I called Santander in XX/XX/XXXX to inquire if I could have my car loan refinanced at a lower rate. I was told that Santander would not be able to grant this request. In XX/XX/XXXX I was three car payments behind and facing a repossession. On XX/XX/XXXX I made a payment for {$2000.00} to bring my account current. I have been making payments since XX/XX/XXXX. As of XX/XX/XXXX, Santander has my account listed as closed on my XXXX, XXXX, and XXXX credit reports. I called to request that this issue be resolved to reflect my current payments. To date, this action has not taken place. I am asking that my payments be updated from at least the last 90 days. 

Since XXXX, Santander currently has a class action lawsuit due to allegations that Santander issued unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts. It is my belief that I am a victim of this unfair practice. In XXXX, I was discharged from bankruptcy and totaled my previous vehicle. I was in need of reliable transportation and I accepted the loan from Santander. I am a resident of Alabama. I inquired with my state 's attorney general office and I was later informed that Alabama is not a participating state in the class action lawsuit. 

I am lodging a complaint to have Santander update my payment history from at least the past 90 days.
Product: Credit card or prepaid card

I have a Walmart issued credit card, which I maintained and paid on-time for several years. Due to XXXX XXXX 's expenses, I was unable to make my on-time payment on XXXX/XXXX/XXXX. As a result, Walmart credit card services decreased my credit line close to the amount owed, thereby affecting my credit. I contacted customer service on XXXX/XXXX/XXXX to discuss this matter and was informed that credit line decrease was not due to a late payment but it was due to a XXXX XXXX credit check on XXXX/XXXX/XXXX. I advised them that this is false since Walmart provides a free XXXX XXXX credit monitoring on their payment webpage where they themselves can view my credit progress. I was late with other creditors as well for the month of XXXX due to XXXX XXXX, however, none of them took such adverse action towards someone who was financially impacted by the storm. I believe my credit was lowered solely because of the late payment and because it was lowered to the amount owed it will negatively impact my credit. Please assist me in resolving this matter. I advised them to close my credit card because of their unsympathetic stance.
Product: Credit card

On Monday XX/XX/24 I received TWO letters via U.S, Post, from Discover regarding my recent application for their charge card. Both letters stated that since my credit reports were frozen that they could not gain access to my history and therefore could not issue me a card. I purposely unfroze my XXXX XXXX, XXXX and XXXX reports for the duration of time that it would take Discover to gain access to the reports. The credit bureau indicates that Discover did do a hard credit check of my credit history, my credit score is in the XXXX XXXX XXXX  but I only have one credit card and its with XXXX in good standing that I use and pay on time, and rarely leave a balance. Discover has dropped the ball again. They have lied and a check of my credit report will confirm it.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX called to have questions answered told me that they dont need to answer questions they just want their money. 

XX/XX/XXXX received 35 calls I answered one and requested manager rep told me I can wait on that call. 
I had a nephew called in they released information to someone that is not on the account very concern and unprofessional. I think they are fraud for a company to release information to someone that is not on my account.

I requested to receive financial help I was told To look for another job or borrow money from family nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

My cards were stolen as I dropped them out of my wallet in gas station I called XXXX right away when I noticed they were gone after going to gas station to see if someone turned them in I talked to XXXX and they said they were closing the card out and sending me a new one. When I didnt get a new one I called XXXX and was talking to a lady on phone and she said they never closed out my card and someone used over a XXXX dollars on said card since my initial call to them about card being stolen due to me dropping them out of my wallet I did what I was supposed to do and reported it to all companies and I just received a letter saying I still owe XXXX dollars and they are taking my money out of my bank apparently they took the other money out of my taxes which is what I just learned why they garnished them.
Product: Credit reporting

I am writing in relation to Experian XXXX XXXX. It 's an extension of their credit monitoring ( credit tracker ) business that connects consumers with a credit adviser. There are XXXX packages offered to consumers. The first is a free XXXX minute consultation. In the fine print of the Service Contract, however, it says the consultation is actually {$19.00}. I 've attached evidence of both, though it 's easily findable on their website as well. I think this is false and misleading advertising. I tried to register the complaint with the FTC, which deals w/Section XXXX deceptive marketing claims. But the FTC routed me to CFPB. I 'd like this to be cleared up for myself and other consumers. Those that signed up because it was advertised as FREE should not be charged. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy 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 a account without my written instructions.