23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've gotten multiple calls claiming to have a case in their office from Santander Consumer in which I have already been to court and arranged payments with another company. I have asked which court this will be processed in and can I receive proper paperwork and nothing has been sent to me in regards to this. This account is from XXXX and has since been sold from Santander as of XXXX and has since been processed and taken care of. I have been told they would report this to the credit bureaus which is unnecessary for something I have taken care of. 

XX/XX/XXXX I have received a call stating that it would be in processing and would contact employment XX/XX/XXXX I received a call for processing and would contact employment
Product: Credit reporting or other personal consumer reports

Filed lawsuit against them for their failure to comply with FCRA requirements especially refusing to comply with FCRA 605B which proper documentation was provided to them by my attorney. 

Failure to comply with FCRA requirements has resulted in the XXXX of XXXX XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX have also contributed to the lack of XXXX not being made eligible for any credit products being that they were more concerned about their financial relationship with the bank ( trade lines ) than their compliance with the federal law. 

Refusing to suppress the XXXX XXXX XXXX XXXX XXXX and Refusing to Remove the XXXX plus fraudulent inquiries reported by their credit agency.
Product: Credit reporting or other personal consumer reports

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Report says balance of {$600.00} ; I disputed this and recieved no information from this collections agency about this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inquiry from my credit report immediately as it is not mine,
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1200.00}, XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$640.00}, XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$500.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LENDING CLUB XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries on my credit report that I would like removed. 

CREDIT ACCEPTANCE Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 According to the FCRA these unverified and unauthorized items must be removed.
Product: Credit reporting or other personal consumer reports

HIS IS AN ADDENDUM TO THE PREVIOUS SENT FEED BACK FOR THE CLOSE COMPLAINT # XXXX This response to the now CLOSED complaint feedback is necessary due to the fact that there are many discrepancies in the chain of events claimed within the COMPANY 'S RESPONSE and attachments submitted. I am asking the CFBP to reopen this claim due to the reasons stated herein and the NEWLY SUBMITTED ATTACHMENTS submitted with this complaint/addendum and feedback. For the record, I was never sent a copy of said adjudication by the Superior Court Judg assigned to this case, nor was I sent any documentation by the Plaintiff in this case. This court has made an error in stating that this motion was unopposed. See attachment of my rebuttal motion filed with the court on XX/XX/2023. This is an unjust ruling and i demand evidence and proof of mailing that any documents of a ruling was sent to me pertaining to this ruling by plaintiff as stated in the ruling and by law. There was an arbitration clause between plaintiff and XXXX XXXX which should have led to an immediate dismissal of plaintiff 's claims. For the record I DO NOT have a signed contract and agreement with with said Plaintiff. My due rights process and rights to appeal this decision was denied to me by the court clerk on said date not filing all of my paperwork as well as offering me legal advice by stating that i " did not need to file all of that paperwork '' and not sending me ANY documentation of these proceedings and subsequent final ruling in order for me to appeal any such ruling I will be issuing a new complaint in relation to this response and uploading the documentation as proof of my claims stated herein. This court is currently committing securities fraud and the Plaintiff and its attorney are acting in concert in committing such fraud. The upload will be marked as stated " XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$400000.00} ; XXXX XXXX  XXXX Balance Owed : {$16.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX says they have investigated and found whats on my credit report is accurate. however my name is wrong my employer is wrong and inquires are fraudulent i asked several time for the to send me proof that i gave these companies permission to pull my credit because i didnt
Product: Student loan

The Department of Education sent us a letter in XXXX stating that all XXXX XXXX loans have been discharged- no additional payments needed to be made, the loans would be removed from credit reports. The letter stated that no action would be required on our part, we did not need to file a BDTR. 

We have been waiting for two and a half years for this discharge and it still has not been completed. This fall, our loans were transferred to Mohela from XXXX. While we wait for the discharge, our loans have been in administrative forbearance. Shortly after the transfer to Mohela, our loans were removed from administrative forbearance and Mohela began demanding payment on the loans. We spent hours on the phone with Mohela and the Dept of Ed trying to get the loans put back into XXXX, in the meantime, we were one month late in making payment ( but we were told no payments needed to be made according to the Dept of Ed ) - Mohela sent us a letter on XX/XX/XXXX telling us that we no longer qualify for an interest rate discount borrower benefit program - consolidation savings benefit. It states that our loan, which we have been paying on since XXXX without ever missing a payment, would now be recalculated using the updated interest rate and that we'll receive a new payment schedule, which will result in a higher payment amount. This is completely unacceptable. We did NOT miss a payment, the administrative forbearance that we should have been in was removed incorrectly, thus causing this new penalty.
Product: Debt collection

Jefferson Capital Systems , LLC being the original purchaser of this account from XXXX in XXXX had full control from it's in inception. Jefferson shared or gave either or this account with XXXX XXXX XXXX XXXX in XXXX, Texas, the XXXX of the world where XXXX was XXXX.. 
The account was PAID IN FULL on XX/XX/XXXX, XXXX See Cashiers Check and corresponding letter. Approx. 2 weeks later I began being harrassed by phone 20 calls per day, and harrassed in person ( with police reports to confirm ) and have continued to be harrassed in person to this day by 2 other companies that were the next to ones to contact me XXXX XXXX, XXXX. 
from XXXX XXXX, Iowa and XXXX XXXXXXXX XXXX. The serious in field harrassment has continued for years now..We are now filing this second complaint from the fitst set of complaints filed on XX/XX/XXXX with CFPB. Nthing has changed.. We are niw filing criminal complaints with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX . and the XXXX XXXX. XXXX XXXXXXXX XXXX along with a civil lawsuit in tbe amount of XXXX XXXX dollars for compensatory and personal damages. 
We have sworn testimony and video as well as photography over 6 years to prove it all..My legal name was changed back to my birth name in XXXX from XXXX XXXX to XXXX XXXX. No more games. Jefferson Capital Systems , LLC will take full responsibility for having taken over the original file from XXXX. At tbis point under the laws that govern this matter I don't care who they gave it to or shared or sold it to, Jefferson takes full responsibility for these illegal actions..
Product: Mortgage

I refinanced my mortgage with Bank of Montreal Ontario, Harris Bank. ( BMO HB ) They have farmed out their mortgage servicing to XXXX XXXX lending, at XXXX. 

BMO Harris Bank Customer Advocacy Support and Escalation Team XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX, is who I went with for the refinance and they submitted a check to BMO HB on XX/XX/2020 and the check was cashed by BMO HB on XXXX/XXXX/2020. 

I have written customer support at BMO HB several ( 10-12 ) times beginning on XX/XX/2020 up until today XX/XX/2020 asking about when I should expect to receive the balance of my escrow funds {$2000.00} and have gotten no written response or resolution. 

Additionally, I did not receive my regular monthly statement for XX/XX/2020 on the XXXX of the month. After several written requests I finally got a XX/XX/2020 regular statement electronically on XXXX/XXXX/2020. 

I have also requested a closing settlement statement from BMO HB that describes the payoff amount of {$170000.00} provided by XXXX XXXX on XX/XX/2020 that was cashed by BMO HB and describes how this number was settled against the actual principal balance of {$170000.00} after the XXXX 2020 payment that was made on XXXX/XXXX/2020. I calculate a difference that should be paid back to me of {$230.00}. 

I would like to be paid the amount of {$2000.00} which is my money left in my escrow account and an estimated date for when I should expect to receive my escrow funds and the difference due to me from the excess payoff funds of {$230.00}. 

The RESPA laws violations are : Notification - The expected date of payment communicated to me for settlement of escrow funds to be payed to me and any principal balance differences due to me on this refinance should be communicated to me in a reasonable time ( within 2 weeks of Paid In Full from refinance ) with notification of amount No Later Than XXXX/XXXX/2020. It is XX/XX/2020 and I still have not heard from BMO HB what the payoff date is even though they cashed the check on XXXX/XXXX/2020. 

Any balance in any such escrow or suspense account that is within XXXX the servicers control at the time the loan is paid off on XX/XX/2020 shall be promptly returned to the borrower within XXXX business days which is on or before XXXX/XXXX/2020. ( Today ) The above is required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ).
Product: Vehicle loan or lease

As the agent for the XXXX XXXX XXXX XXXX XXXX XXXX I have assigned the documents of title back over to Ford Motor Credit company for redemption of credits to set off my companys debt obligations. Remittances were delivered to all known locations for Ford Motor Credit, but none have been accepted. I have delivered the instruments to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX per the instructions in their prospectus. Set off never occurred, and XXXX XXXX  never acknowledged my transfer of goods. Ive also delivered the documents of title to XXXX XXXX XXXX who is the holder of the note. Ive delivered payment to Ford Motor Credit headquarters. Ive delivered payment to XXXX XXXX XXXX XXXX who is their asset reviewer. Ive made payments to the attention of XXXX XXXX who is the authorized person for Ford Motor Credit and XXXX XXXX XXXX. I have made every effort to operate in good faith to ensure Ford Motor Credit as the finance company is paid. I have made efforts to ensure XXXX XXXX  as the secured party is paid. I am now claiming my rights as a XXXX XXXX XXXX. As the XXXX for XXXX XXXX XXXX XXXX XXXX it is my responsibility as the authorized person to ensure lawful payments were tendered to satisfy our obligations. Every reasonable method of payment has been made pursuant to the XXXX. How many times must I remit payment? Why are my payments being ignored? Ford sent correspondence one time stating that the agreements which are documents of title, negotiable instruments, investment properties, and letters of credit for banks were not negotiable. This is obviously a false and misleading statement. This leads me to believe that Ford Motor Credit is not operating in good faith and is acting unconscionably. They are trying to force my company into being a debt slave by not accepting the negotiable instruments they issued to my company during the initial credit transactions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within XXXX hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as they are currently under investigation by the CFPB for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I'm have disputed as inaccurate : XXXX XXXX {$840.00} XXXX  XXXX  {$400.00} XXXX XXXX XXXX has been paid and closed and they requested a removal and all the other other credit beareus have deleted it from my credit report except XXXX.
Product: Student loan

I 've been dealing with Fedloan Servicing about my status with the Public Service Loan Forgiveness Program. I 've been keeping track of my progress towards my 120 qualifying payments under an approved repayment plan but the information about my payments given to me by Fedloan Servicing seems not very accurate. I 've requested the payment amount be researched further and even spoke with managers but I 'm not getting any information. I 've provided supporting documentation that I 've made additional qualifying payments but I 've still not received any response. I 've been told that I need to provide information that is impossible to obtain based on banking practices. I 've been asked to supply documentation that can not be provided due to the purge of Banks and Lender information after 7 years. I 've worked to keep track of my progress and feel that I 'm being penalized because I 'm close to the 120 payments. My loans were also placed in deferment at times due to their issues with processing paperwork and this was not by my choice. The deferments were placed administratively. During these times, my payments do not count towards my qualifying payments and it 's penalizing me based on their shortcomings. My payments were direct deposited and I 've basically have had no change in employment or limited change in income. I 've supplied the required paperwork in a timely matter and have had to contact them several times about on going paperwork issues. I 've requested, on several occasions, that the matter be addressed due to the time I 've been making qualifying payments but I 'm still not being given any reason nor information. I 've also contacted and attempted to contact the prior lenders about the information that was sent to Fedloan Servicing. I uploaded supporting documentation that verified my qualifying payment history, direct deposit info and qualifying repayment plan but Fedloan states they 're " researching '' and " searching '' for more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax and on XX/XX/XXXX XXXX reported that i had a missed payment from XXXX  XXXX XXXX  Which caused me to lose XXXX points. XXXX XXXX XXXX  has sent the proof that i never received any late payment but its still on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the 30-day timeframe mandated by law. Below are the details of my complaint : XXXX. **Personal Information - Full Name : XXXX XXXX XXXX XXXX Date of Birth : XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX 2. **Credit Reporting Agency ( CRA ) Involved : ** - Name of CRA : Equifax , Experian, TransUnion - Date Dispute Filed : XXXX - Method of Dispute Submission : [ Online - Description of Dispute : Validation 3. **Violation of FCRA : ** - According to the FCRA XXXX credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, [ insert number of days ] have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute. 

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements.

- I also request that the inaccurate information be removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 

I have attached copies of any relevant documentation, including [ list any supporting documents, e.g., dispute confirmation, correspondence with the CRA, etc. ]. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I have asked the credit bureau to change my address to my current address and they will not change it. I do not get any mail at XXXX XXXX XXXX, XXXX, Tx XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you to delete the following information off my credit profile, the items I need deleted are listed in my report. I am a victim of identity theft and did not make the charges. I ask of you that the statement be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission. I also enclosed copies of my report to the federal trade commission identity theft affidavit. I would appreciate it if you could please delete the items as soon as possible. As it is hindering me from advancing my life style to provide for my family
Product: Mortgage

I always pay my mortgage payments 2-3 months ahead to US Bank Home Mortgage. When paying my mortgage, I always highlight in yellow the Due Date, the amount of payment due and put " 0 '' on Additional Principal. In the last few months, I have noticed that the check payments have not been posted when received -- sometimes 2 weeks. They obviously sat on someone's desk and were not posted. I then noticed that the new mortgage bills had due dates that did not show payment. I called and was told that the postings were " in error and will be corrected. '' On XX/XX/19 I received a Foreclosure/Loss Mitigation letter that put me over the edge. I called and filed a formal complaint ( Case XXXX ). Instead of an apology, I received a Corrected XXXX Tax Form which then showed me that I was cheated out of a {$860.00} deduction because their interest numbers were incorrect. When I called immediately, I was told by an English challenged individual that I should call my accountant to file an amended tax return. There was no apology or offer to pay the {$280.00} extra income tax payment that I made due to their error.
Product: Debt collection

Received a notice of garnishment from my employer. This was the first time that I have been notified of this judgement on this debt. Amount owed does not match anything on my credit report. The amount that is owed to Midland Funding has the incorrect date on it. I am now past the statute of limitations for this debt and the judgement was done in XXXX courts and I have lived in XXXX for over 4 years. The address in the court documents is incorrect as well. This was filed multiple times and states that I have paid on it, which as far as I am aware I have not. It appears though that this is the 3rd time my wages have been garnished for the same debt by the same creditor. The amounts that are being garnished are incorrect for XXXX  law as well.