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

{ 15 U.S.C 1681 ( a ) ( 2 ) an elaborate mechanism must be developed to investigating and evaluating the credit worthiness, credit standing, credit capacity character and general reputation of consumers. 

I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. 
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable suable monetary award I can seek ) in damages for one or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
Product: Mortgage

My grandma passed away in XX/XX/XXXX without a will so I kept paying the lien on her house through a company named ocwen loan service with no problem in XX/XX/XXXX I guess they gave the lien to another company named ohh loan services I was paying between 550.00 $ and 600.00 $ a month with ocwen then it went up to XXXX $ with phh then the following month phh sent me a letter saying my grandmother estate owed them XXXX $ Im wondering how can I owe them when Ive never missed a payment never
Product: Student loan

Called Edfinancial requesting a refund for payments made since the beginning of the pandemic which is entirely valid according to https : XXXX. Was told the refund would take 180 days which extends past the loan pause. Did some research and it looks like other borrowers have been requesting refunds for months and the timelines they are giving are changing constantly. 2 separate users have reported they keep extending the timeframe for a refund from back in XXXX, from 30 to 60 to 90 to now 120 is what he was told this month even after putting the request in back in XXXX. There are several threads online of users experiencing this and it's a growing concern for borrowers who are looking to this relief plan for relief but may not be able to get it because the lender is just extending the refund time frame past the forgiveness date. Other lenders are reporting 4 to 6 weeks which makes sense logically. Also, some borrowers are being told to request forgiveness as soon as it's available by dfinancial even though the refunds aren't being recognized against their accounts. Meaning they are telling users to request forgiveness when their loan values aren't actually correct while the refund is still " processing ''. 

Links to other reports : 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

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 a account without my written instructions
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a formal dispute regarding several violations I have identified on my credit report. I am seeking your assistance in addressing these violations and enforcing my legal rights under applicable consumer protection laws. The violations pertain to the following accounts : XXXXXXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

XXXX. XXXX Account Number : XXXX Violations : - Incorrect high balance - Inaccurate date of last activity - Reporting reaged accounts - Reinsertion without proper notice - Undated late pay - Charge off listed as open - Collection account with a limit Violations : These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and potentially the Fair and Accurate Credit Transactions Act ( FACTA ), including sections 605B, 611, 623, and 807. 

XXXX. Personal Information Error Also Known As : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Violation : Reporting incorrect personal information in violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ). 

XXXX. XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

These violations have had a profound impact on my life. The inaccuracies and unauthorized inquiries have created significant stress and financial uncertainty. For example, my pursuit of housing has been hindered by these inaccuracies, causing me to miss out on housing opportunities that could have greatly improved my living conditions. Additionally, the emotional toll of constantly battling these inaccuracies has taken a toll on my mental well-being, affecting my ability to focus on my responsibilities. 

I kindly request that the aforementioned creditors be required to remove these unverified accounts from my credit report in accordance with the applicable laws. Your intervention is crucial in rectifying this situation and ensuring that my consumer rights are upheld. 

Thank you for your attention to this matter. I look forward to a prompt resolution that restores accuracy and fairness to my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I pulled my Equifax credit report for my XXXX XXXX course at my college. Upon looking at the report, I noticed an inquiry that did not belong to me ( XXXX ). It stated this inquiry took place on XX/XX/2016. I have never had a business relationship with XXXX and have never contacted them. I contacted Equifax over online chat to attempt to dispute it after finding their online dispute form did not allow me to dispute this fraudulent entry. After speaking with an Equifax representative, she rudely informed me inquiries are " matter of fact '' and to contact XXXX. I contacted XXXX and after searching numerous ways, they found that they had never pulled a report on me and I was not even in their system. I contacted Equifax again and spoke with another representative who also told me he could not help me. I just want the fraudulent entry off my credit report and no one will even investigate, despite the fact they claim they will within 30 days.
Product: Credit card or prepaid card

In XXXX of XXXX I called into and cancelled My XXXX credit card with Continental Fianance. On XX/XX/XXXX my bank account was debited {$120.00}. On XX/XX/XXXX I called to dispute the {$120.00} debit from my bank account and was told that I authorized the payment. This is false. I never authorized payment on a closed account with a XXXX balance. I want a prompt refund of this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My closed XXXX installment credit account shows incorrect information listed. This ACCOUNT shows incorrect / unauthorized charges added. Also, it shows that it's CHARGED OFF. please can you help me REMOVE this account from my CREDIT REPORT Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told bestbuy that my packages were not delivered. I looked for it everywhere around my house to see if maybe the driver dropped it off somewhere around the house but I didnt find it anywhere. Unfortunately I dont have security cameras installed around the house to figure out what happened. I tried to receive a refund for the lost packages but the dispute was denied because they received a notification that it was delivered and for another order that I made with them disputed and explained to them that their delivery driver was very rude and didnt even drop off my packages all he did was take pictures of the house while walking back to his car. This is the first time I'm dealing with this with bestbuy can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REFER TO MY IDENTITY THEFT AFFIDAVIT! 

I AM A VICTIM OF IDENTITY THEFT! THIS ACCOUNT DO NOT BELONG TO ME!
Product: Vehicle loan or lease

Hyundai Motor Finance, I called XX/XX/XXXX and spoke with XXXX XXXX regarding a stop payment for a refund check XXXX XXXX XXXX XXXX XXXX ) and advised me that the check would be issued to my husband XXXX XXXX. After a week I called to ask for updated status on the cancellation 3 separate times ( was told it was pending management approval ). I then got on the phone again with XXXX XXXX XX/XX/XXXX ( 10 business days later ) who expressed that she was who took my request initially XX/XX/XXXX and that they have a new process that she was unaware of and would now submit the claim to her supervisor. I called again XX/XX/XXXX and spoke with XXXX who let me know the check was being sent out but to the same old address since the XXXX on car was my husbands name and XXXX never switched his address leaving the old one. XXXX request a supervisor call and changed my husbands address or so I thought. I called the following day because XXXX said she would call back that day or the next. I called the following day XX/XX/XXXX and spoke to XXXX who then changed my husbands address and would push an email to all supervisors to give me a call. I called today and spoke with XXXX who let me know that the check is still pending cancellation. The check amount is {$2200.00} but XXXX from the dealership at XXXX XXXX sent me a copy of the voided checks which came out to {$2300.00} missing {$140.00} which was confirmed there is not reason for this and would be sending this up to management. I have submitted over 6 request over the month to speak to a supervisor and have never once received a call. I was sold a XXXX XXXX XXXX lemon vehicle XXXX XXXX and took XXXX until XX/XX/XXXX to take the car in and deemed it lemon. My first complaint of the car stopping whiling driving was XX/XX/XXXX. I was told I needed to pay {$890.00} upfront for the mileage on car after subtracting the gas I put in the rental. The checks were printed on XX/XX/XXXX and its XXXX XXXX XXXX I have called about 15 times since XX/XX/XXXX. Customer Service rep told me this was ridiculous and to report it to CFPB for a response since they cant get back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX   XXXX {$6900.00} XXXX XXXX {$900.00}
Product: Credit reporting or other personal consumer reports

This is the numerous time I've mentioned being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/XXXX, I was told I was approved for an unsecured loan by Lending Tree, a supposedly reputable company. They obtained my bank information as well as my driver 's license. Being in poverty my whole life, this didn't seem terribly out of the ordinary, but once my account was restricted after their " test deposit '' that I was supposed to withdraw and send back via a prepaid card, which made my hackles go up. They have threatened me with a federal chargeback after their " test deposit '' of {$910.00}. Fortunately, my bank account is now restricted and I have filed a fraud form with my local DMV.
Product: Student loan

Prior to EdFinancial switching their data system and website, I made a payment in the amount of {$500.00} on XX/XX/XXXX. However, it wasn't reflected on my account history. They also changed the names of the loans when they transitioned. 

I emailed them and kept receiving emails stating that someone would get back to me, but never received an update. 
I made a payment on XX/XX/XXXX in the amount of {$640.00} and XXXX in the amount of {$1000.00}. They received the money, but it still wasn't reflected on the account. I sent them an email inquiring on XXXXXXXXregarding these payments and they sent an email response on XXXXstating that their records indicate both payments. 
However, they did not mention why the payments weren't reflected on my account. These payments would have paid off these loans which would then be a XXXX balance or loans removed. 
I then sent another email on XX/XX/XXXX when I realized they ported everything to a new website but still didn't reflect these payments. They responded on XX/XX/XXXX stating that they are not showing that a payment was deducted for $ Unspecified on Unspecified and to verify with my bank or bill pay service provided or send proof of payment. 
On XX/XX/XXXX, I sent them screenshots of the proof of payments in addition to the first email confirmation from specifically stating that they have record of the payments made from a " XXXX. '' They responded on XX/XX/XXXX stating that the proof of payment has been sent to the appropriate department and to allow XXXX business days for processing and they will notify me if anything else is needed. 
On XX/XX/XXXX I followed up letting them know it has been well over XXXX business days and still no update. 
On XX/XX/XXXX they emailed stating that the request has been fully processed and credits have been applied to my account. 
on XX/XX/XXXX I responded asking them to let me know where to find the credits as the loans are still present and I am still being billed for them. They should be removed and there is no indication of a credit or loan removal. I asked to provide proof. 
On XX/XX/XXXX they said my loans are not reflecting paid in full and the request for missing payments are sent to the finance department are processed in the order they are received. 
I responded on XX/XX/XXXX reiterating my frustration and sending them a summary of all of my back and forth communication for the past XXXX  years and no one can find my payments but I am still being charged. 
They responded on XX/XX/XXXX stating that my proof of payment is still being reviewed. 
After no update, I emailed on XX/XX/XXXX asking for an update. 
on XX/XX/XXXX they responded letting me know that a finance task has been submitted and there is no to turnaround time when it will be completed and allow the team more time for processing. 
It is now XXXX and still no update. I am at my wits end and just want these loan payments reflected and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau but to my surprise, I did not receive anything back as a response. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : Account : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$36000.00} Employer : 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

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed 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 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

TNT FINANCL has consistently for over XXXX years been reporting inaccurate information they have been reporting to XXXX and XXXX TNT FINANCL recently updated XXXX and XXXX with false information that was made when I was incarcerated, they have so much information that is reporting inaccurate especially the recent dates they have showing on my recent payments I have not made and ongoing information that is FASLE I'm asking this company TNT FINANCL again to please remove both accounts IMMEDIATELY! I HAVE RIGHT TO DISPUTE INACCURATE INFORMATION THE FCRA STATES BY LAW YOU CAN NOT REPORT INACCURATE INFORMATION AND TNT FINANCL AS BEEN DOING SO FOR OVER XXXX YEARS!
Product: Debt collection

Wells Fargo Bank ( Wells ) paid a {$5.00} XXXX penalty in the Robo signed settlement with the DOJ and XXXX States which included the State of Nebraska. Wells Fargo Bank with XXXX  and XXXX & XXXX Robo signed the Assignment of Deed of Trust on XX/XX/XXXX, that was recorded at XXXX XXXX Register of Deed Office on XX/XX/XXXX violating Nebraska Statute 76-2710 as XXXX  assigned the Deed of Trust as nominee. Fact is that from XX/XX/XXXX through XX/XX/XXXX, did not as the Assignment stated that they paid value for the mortgage loan. XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/XXXX, purchased my XXXX XXXX XXXX  loan and on XX/XX/XXXX, submitted and had accepted my mortgage loan on XX/XX/XXXX, without a date & time stamped Deed of Trust and without a stamped date and time Assignment of DOT from XXXX XXXX Register of Deeds Office because they have failed to deliver the documents when they owned the mortgage loan debt, which XXXX XXXX became owner of the Mortgage Note on XX/XX/XXXX when the loan was accepted into the XXXX XXXX XXXX pooling, The Mortgage loan should have been removed from the XXXX XXXX XXXX by XXXX who never fixed the pooling situation. There is no Assignment of DOT in the XXXX XXXX pooling for my mortgage loan which there is a requirement for and is the one of the reason Wells needed to XXXX sign the Assignment of DOT as there was no title link from XXXX XXXX XXXX  ( XXXX ) recorded at XXXX XXXX Register, and it appeared as if XXXX had not sold the loan debt of XX/XX/XXXX to XXXX and the county not been made aware of the XX/XX/XXXX mortgage loan sale and the XX/XX/XXXX, XXXX endorsement in blank transfer to XXXX XXXX before or after the illegal recording of the DOT by XXXX who does not own a debt against my property that the loans been paid in full can not have a back dated DOT placing a lien when the debt to XXXX stop existing on XX/XX/XXXX, but the DOT by XXXX is delivered and recorded on XX/XX/XXXX. The situation of Title never got corrected and once XXXX stopped existing on XX/XX/XXXX, XXXX and XXXX  resorted to fabricating the Assignment of DOT as the successor to XXXX was only XXXX and with no assignments recorded that was require to pool the mortgage and to use the power of the DOT to non-judicial foreclosure. Wells is saying the XXXX was the owner of the debt and they were working for XXXX when foreclosing. XXXX is saying that they did not own the mortgage loan, which XXXX right that they don't own the loan debt as Wells did not own the debt, but XXXX did own the Mortgage Note that control the loan. Either Wells or XXXX can or did provide proof of purchasing my mortgage loan debt. I am supplying the stamped and dated DOT and Assignment of Deed of Trust plus the letters from XXXX XXXX and letter from the FDIC verifying the date of the mortgage loan sale from XXXX to XXXX!
Product: Credit reporting or other personal consumer reports

This is a final demand for the immediate deletion of an unauthorized and invalid hard inquiry from my credit report. Despite previous disputes, Equifax continues to report this inquiry, which I did not authorize and for which no explicit consent was provided.
Product: Credit reporting or other personal consumer reports

I sent a detailed written dispute regarding several accounts that were repeatedly reporting inaccurate and/or misleading information and requested a detailed written response as I am entitled to receive. A copy of my letter is attached. No information was ever received and still showing accounts of XXXX XXXX with wrong open date and should be off my report as original creditor is older than XXXX  years and another that belongs to someone else. both are collections and negatively affecting my credit.