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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX : On XX/XX/year>, I mailed a dispute letter to XXXX disputing the completeness and accuracy of accounts on my credit report. I recently received a response from XXXX that was issued by them on ( date XXXX sent the letter ) that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Personal information on my credit report
Product: Debt collection

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter 7 bankruptcy.   However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Product: Debt collection

ENHANCED RECOVERY XXXX is violating my rights as a Federally Protected Consumer, the Original Creditor, XXXX XXXX and its Principal and Authorized Representative for on all accounts. I have not created any of these by my signature, As of the date of this letter you and XXXX  and XXXX have violate FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Product: Credit reporting or other personal consumer reports

Can not access. XXXX or XXXX credit reports as there are loans in auto, credit cards and store credit cards and accounts opened in my name and social security number that are not mine. Can not freeze because of this and I have been denied any major credit since XXXX when I have personally applied yet someone else is opening accounts in my name since XXXX and as recently as XX/XX/XXXX.
Product: Mortgage

XXXX sold mortgage to Carrington Mortgage with no arrears. First bill received from Carrington incorrectly had my account in arrears.
Product: Credit reporting or other personal consumer reports

According to state law 15 U.S.C. 1681s-2 Inaccurate information is being reported and wish to have all items removed or further disputed with following the following statements : ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; the information is, in fact, inaccurate. 
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Student loan

I was notified that my private loans carried through Navient had gone into repayment. I called regarding the repayment because the amount was over 50 % of my income. I informed Navient that I am unable to pay this large amount. I was told that there are no options for repayment, etc. After speaking to a few different people I was told my only option is deferment. I deferred the payments for one year. The interest ballooned and was added to my loan. I 'm confused over two things : 1. Why did my school put me k to loans that offer no benefits my first year of XXXX, and 2. Why do I hear that there are assistance programs for my loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I filed a XXXX  XXXX bankruptcy and in XXXX of XXXX I had to file a XXXX  XXXX bankruptcy due to being left with debt from a bad relationship. I contacted each of the credit bureaus and asked them to remove these 2 negative items early off my credit report since both are almost at the maximum amount of time that it can remain on my credit report. I also asked all 3 credit bureaus to remove all the late payments that related to me having to file the XXXX XXXXXXXX bankruptcy since all of them are approaching the 7 year mark. Im asking for their removal because all are scheduled to be removed throughout this current year and I would like my full credit back and I have paid the price for these mistakes for long enough. I would like to buy a house this year and these marks will cause me to pay more interest than necessary. Im also still getting declined for unsecured credit cards because of all these negative marks. I feel that my credit history over the last few years has shown that I have overcome my previous issues and its unnecessary to keep punishing me for things that happened so long ago. I dont feel that its fair to continue to punish me and hold part of my credit hostage for such old items.
Product: Money transfer, virtual currency, or money service

Just want a refund of {$150.00} sent to the XXXX by Western Union on MTCN XXXX XXXX XXXX on XXXX. Money was not picked up. Money can be returned to Visa Debit Card # XXXX XXXX XXXX XXXX or Visa Debit # XXXX XXXX XXXX XXXX  in the name of XXXX XXXX XXXX Additional information available if needed
Product: Debt collection

I received a correspondence from a company I do not recognize ever having done any business with nor have I enter into any contracts with KENNETH , EISEN & ASSOCIATES , LTD . I have never receive any notification 30 days prior to being reported to the credit bureau. I fail to receive any documentation showing any transfer title of ownership between from the original creditor to KENNETH, EISEN & ASSOCIATES , LTD. under Ohio Revised Code Title [ 13 ] XIII COMMERCIAL TRANSACTIONS - OHIO UNIFORM COMMERCIAL CODE Chapter 1319.12 Taking assignment of debts, I fail to see anything that would show they are in compliance with OHIO LAW.I declare Myself competent. I am not a Corporation or a Public Entity.As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, KENNETH, EISEN & ASSOCIATES, LTD. are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One and I have continued to have a tumultuous relationship. I have only had 1 credit card with them. Due to personal reasons, I was unable to pay the balance. However, I still paid them the balance, but they continue to send me notices from other debt collection companies stating I owe them for a card that I 1 ) do not have, 2 ) paid off in XX/XX/XXXX, and 3 ) was never actually supposed to pay due to XXXX XXXX XXXX and unemployment. 

Their negligence and inability to provide proper service hindered my ability to return to XXXX XXXX in a timely manner, prevented me from securing housing at a pivotal time in my personal and business career, and to date, they have refused to acknowledge their faults. 

Additionally, they are not working against me with XXXX XXXX and XXXX   XXXX XXXX and XXXX as well as another auto dealer in XXXX XXXX XXXX. These 4 actors are, to this day, refusing to take credit for their negligent and fraudulent acts that have kept me from securing personal loans, a business vehicle, and other necessities required to get my personal and business life on track. I refuse to pay, or be the victim of sedition and libel for mistakes of agents that are unethical. 

The issues with my credit on the auto side originated at the XXXX XXXX branch. I met with a business banker and explained my ENTIRE business plan, and she, while kind, led me to believe that by doing a " soft '' credit check, there would be no hits to my credit by checking on a business vehicle. The actor following that transaction was XXXX " XXXX '' at XXXX XXXX. He promised he would not use my credit and only use the information on the form from Capital One. However, once I arrived at the dealership, nothing could be further from the truth. These two companies, and these two actors, in conjunction with one another, are the reason I don't trust banks, auto dealers, and based on how hard XX/XX/XXXX has been, the auto industry in general.
Product: Credit reporting or other personal consumer reports

I called XXXX today again to follow up on my previous complaints. I have been reporting identity theft since last month ( XXXX ) and they keep on saying that CFPB never forwarded my documents to them. I was told different things. On XX/XX/year>, I was told by the agent that they would remove the fraud inquiries from my report within 24-48 hours but until today, they are still there. 

She gave me this number as confirmation, File # XXXX. 

Today, XX/XX/year>, I called again and spoke to the supervisor and they said that they can't remove the fraud accounts because they did not receive my FTC report, which was crazy because I reported this for the 3rd time now and uploaded my FTC last month through CFPB. You told me that you forwarded the documents, right? How come they're saying it's not on their system? 

Who's lying? 

Please remove the account freeze and fix my Equifax report. It's not showing anywhere.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : 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, credit repair services, or other personal consumer reports

I have filed numerous complaints.I am a natural person, I am a human being and I have rights under 15 USC 1681. It is my knowledge that Equifax is govern by 15 usc 1681.and they have violated my rights number times and I have filed numerous reports. I demand the following accounts below be removed from my report because, According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts. 


Account-XXXXr Consumer Account - XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX
Product: Mortgage

Beginning with COVID-19, my wife and I had reduced paychecks and were automatically put on forbearance with the company, Specialized Loan Servicing, which was helpful for us to rearrange our finances. Realizing we were only paying {$10.00} in principal a month while paying nearly {$220.00} in interest, we didn't want to get any further behind on this loan. We made our back payments and then increased our monthly payments to {$300.00} to help pay additional principal. There was an issue with the back payment, but we fixed it as soon as we realized and had no issues. The problem is that all extra payments keep getting applied to future payments and they are not reducing our principal. I have called them over and over and have only gotten ahold of one person in a dozen calls who I thought had rectified the situation. I am now looking and realizing they fixed everything retrospectively but have gone back to the old method of simply paying future payments which does not help us at all. I just want our extra payments to reduce my principal but I can not get through to SLS to make this happen. My ignorance of the type of loan we were getting put us in a bad position that I just want out of as soon as possible but they are fighting me every step. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Transunion a dispute letter requesting inaccurate accounts be removed from my credit report file. I never received a correspondence back from Transunion. On XXXX I requested unauthorized inquiries to be removed. I never received any reply back, On XXXX I sent another dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Transunion for these as well. I mailed another letter on XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letters for violation to respond within 30 days
Product: Debt collection

Hi I got a letter from collections for a service at XXXX  XXXX  then I contact my insurance about uncovered medical expenses. 
After so many days I got letter from collection s that says I owe {$190.00} for the services I received on XX/XX/2019. I have communicated with my provider and insurance and thought the issue will be taken care after multiple follow ups with them. 
But the issue was not resolved from insurance and provider then I have paid that medical debt from my pocket but still the collections opened an account that effects my credit score.
Product: Student loan

I paid off a balance of a student loan ( i.e. one of four ) I took out for my daughter on XX/XX/2018. 

I received a letter in summary that : - confirmed that I authorized a debit of an account with another financial institution - a notification from Wells Fargo of limitations of withdrawals under Regulation D - a footnote that " some states require us to inform you that this communication is an attempt to collect debt and any information obtained will be used for that purpose '' I called Wells Fargo to understand what they think their obligation is in notifying me of a withdrawal from another financial institution and compliance of Regulation D. Wells Fargo could not explain this to me and offered for me to speak with someone in their compliance department. I declined - as I reviewed Regulation D and I believe that Wells Fargo was overreaching in this notification to me. 

I also spoke with Wells Fargo on the footnote they provided at the bottom of the letter. Wells Fargo 's defense was that the student loans are debts that they are collecting and that there is nothing more to that footnote than notifying me as such. 

Although I am an educated consumer, I felt that I had done something wrong in paying off a student loan. In this circumstance, my paying off the student loan was not a " collection matter '' nor was Wells Fargo obligated to notify me of Regulation D - that obligation would reside with my financial institution, as applicable ( of which it was not ). Plan and simple, I felt intimidated for paying off a loan and had to research what I might have done wrong ( which was nothing ).
Product: Credit card or prepaid card

I woke up on XX/XX/XXXX to an email from Discover Credit Card saying there was a new credit inquiry on my credit report. When I logged into my account and looked at the inquiry was from XXXX XXXX XXXX and I called Discover 's number that was provided if I didn't recognize this transaction. 
The woman who helped me said that it was a pull from XXXX XXXX XXXX bank and mentioned that they also work with XXXX. I mentioned to her that in the summer of XXXX, my XXXX account was hacked and both my debit and this credit card were used for almost {$1000.00} between the two cards. As she was explaining what I could do ( including filling out this report ), I detached both cards from my current XXXX account and logged out. 
The woman with Discover helped me put a freeze on my card for pulling hard credit checks and I'm trying to fill out all this information to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2019 with Transunion regarding information placed on my credit bureau that was never properly verified. This is my last request for proper verification before filing a lawsuit against Transunion. I have requested a proper investigation into a dispute of XXXX. Transunion continues to update my report as verified as accurate. They have not showed me any documentation of verification, no contract or anything with my signature attached. I have filed numerous disputes as well as submitted a complaint with CFPB. I received an updated credit report after filing a complaint stating verified as accurate again with no proof of verification attached.
Product: Mortgage

I received a notice in the mail from ClearPath Lending regarding a refinance on my existing VA loan. On XX/XX/2020 I spoke with XXXX XXXX, Senior Loan Officer, NMLS # XXXX. She gave me additional information regarding the refi. She sent me an email which looked very unprofessional and like a phishing email. I replied to this email and XXXX stated the email was blocked. I then called Ms. XXXX via the number provided in the email and left her a voice mail stating that the email had been blocked. I then called the number for ClearPath that I found on the web and the person on the other end would not verify if Ms. XXXX worked for them. In addition, she would not connect me to a supervisor at the company. Ms. XXXX left me a voice mail on XX/XX/XXXX stating that " If I was paying attention to the market, there was an increase in the basis points. '' She stated that I should send over my documents and lock in my interest rate before it increased. She never mentioned the voice mail I left her two days earlier. 
My concern is that I gave her permission to view both my credit report as well as my spouse 's credit report. There were many red flags in my opinion and I do not want to be a victim of identity theft.
Product: Student loan

WF EFS received my certified letter XX/XX/2016 ( attached ) requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual obligation with WF EFS bearing my signature AND mark my credit report disputed. They sent me a copy of a generic letter from XX/XX/2016 stating a bunch of if this than that scenarios and yet to provide a contract between myself and wellsfargo for the accounts listed in my credit report stating that I am obligated to pay, if they truly looked at my account they would see there are {$0.00} balances and that is not the issue at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is stating that they have verified a collection on my report with XXXX XXXX XXXX DBA XXXX   but they haven't actually provided the information needed to verify it. I am not aware of this specific collection and they refuse to get original invoices from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft identity theft report attached. 
I have no knowledge of these accounts. 
They are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a compliant concerning Santander Consumer USA and their predatory transaction processing. The previous complaint has not been resolved and I would like to submit this complaint again. Santander is staying and reporting on our credit report that our account is behind and it is not. I am attaching supporting documentation that shows that on our XXXX Statement, Santander processed 2 payments. One on XX/XX/XXXX and one on XX/XX/XXXX. The XXXX first payment was not authorized. I contacted Santander to request that this payment be returned because I did not authorize it and when they would not authorize it, I contacted my bank and my bank reversed this transaction on XX/XX/XXXX. Santander is stating that this reversal is actually a return of our XX/XX/XXXX payment and this is not true. Our XX/XX/XXXX payment cleared our account and the payment was more than required because we paid extra due to having extra funds because of our stimulus payment. As you can see in the two months prior statements our account is current there is nothing owing on our account but Santander refuses to correct their error. Since our bank has already reversed the XXXX payment that was process in error we do not need the payment returned. We would like account corrected to the amount after our XX/XX/XXXX payment. We have also made a payment on XX/XX/XXXX for XXXX. And our account is still showing past due.