23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Since XX/XX/XXXX, I have been trying to get a correct payment history from XXXX XXXX XXXX XXXX because of double bills with different amounts and extra payments made that don't add up to the amounts owed. When the payment history was received in XX/XX/XXXX, it was wrong. Years of extra payments were not on it. I have tried to get a corrected payment history by emailing the XX/XX/XXXX website and calling to no avail. I was promised a corrected payment history by email in early XXXX because I wasn't sure how much of the partial and full payment I owed. The company lied to CFPB when they said they emailed me a corrected payment history in XXXX after I requested the payment history in XXXX. They did not. I check my email and junkmail every day. I have XXXX XXXX receipts for the payments that were not on the payment history. I need to know how much I owe on the payments so that I can pay the car off. I refuse to pay more than I owe. They have lied to me and CFPB, and they have harassed me and my students by calling me while I XXXX  7 times in 3 days when they were told I could answer calls after XXXX XXXX with an explanation as to why ; I have to keep my phone on for work notifications, which I don't get on time now that I turn the phone off. They have lied to me, stolen from me, and now harassed me. I want to know what the last two payments, if indeed there were even two payments left, are. I want to pay off the car. I need an emailed payment history. I was offered that in XXXX when they said the audit had been done and it never arrived in my email.
Product: Credit reporting or other personal consumer reports

To : U S Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Failure to Comply with 15 U S Code Section 1631 Disclosure Requirements To Whom It May Concern I am writing to formally dispute the inaccurate and misleading reporting of my U S Department of Education accounts, as reflected on my credit reports from XXXX, XXXX, and Equifax. I have previously contacted your institution and the credit bureaus multiple times over the past year, yet I have received no satisfactory response or resolution. This ongoing failure to properly investigate and correct these inaccuracies constitutes a clear violation of both federal law and your fiduciary responsibilities. 

The accounts in question are as follows : XXXX U S DEPT OF ED XXXX XXXX Account Number XXXX reported twice XXXX US DEPT OF EDUCATION Account Number XXXX US DEPT OF EDUCATION Account Number XXXX US DEPT OF EDUCATION XXXX Account Number XXXX Equifax Us dept of education Balance XXXX It is my understanding that under 15 U S Code Section 1631 you are required to provide full disclosure of my credit obligations. I have repeatedly requested this documentation and full disclosure of the terms of my alleged debt, yet U S Department of Education has failed to provide the required information within a reasonable time frame. This lack of transparency not only violates the law but also reflects a blatant disregard for consumer rights and legal obligations.

Immediate Action Required 1 Provide Full Disclosure I demand that U S Department of Education immediately provide full and accurate disclosure of all credit obligations associated with these accounts, including but not limited to original account agreements, payment histories, and any other documentation necessary to validate the debt in accordance with 15 U S Code Section 1631. 

XXXX Correct Credit Reporting Errors These accounts must be corrected and updated accurately across all major credit reporting agencies XXXX, XXXX, and Equifax. Continued misreporting coupled with your failure to provide adequate investigation will leave me no choice but to pursue legal action. 

XXXX Cease and Desist Unauthorized Reporting If the debt can not be substantiated, U S Department of Education must cease reporting these accounts to credit bureaus immediately. Continued reporting of unverified or inaccurate information is a violation of the Fair Credit Reporting Act FCRA, for which I reserve the right to seek further legal remedy.

Failure to respond to this letter within 30 days with full disclosure and rectification of these errors will result in further escalation, including filing complaints with the Consumer Financial Protection Bureau CFPB, the Federal Trade Commission FTC, and considering legal action for damages caused by your failure to comply with both the Truth in Lending Act 15 U S Code Section 1631 and the Fair Credit Reporting Act. 

This letter serves as your final opportunity to address and rectify these violations before I pursue further legal remedies. 

I expect a timely and comprehensive response. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I believe this account was fraudulently opened in my name. Please remove from my report
Product: Debt collection

ive sent multiple request to LVNV Funding, LLC. They only respond with request for me to pay them. I need more information on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX  Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I reported the card stolen in XXXX when I saw purchases at stores I never went to. Paypal issued a new card but holding me responsible for purchases made with that card & purchases from a card I reported stolen. XXXX through XXXX Ive called Paypal direct, chatted online & disputed XXXX transactions through XXXX Resolution Department totalling over {$2900.00}. Every case/dispute I filed Paypal closed my case in favor of the customer & refunded the customer twice. I filed a police report against the customer for identity theft & fraud but Paypal is holding me responsible for a card that was stolen & charges at stores I never completed. As of today my account cant be accessed by me & in collections despite everything & all my efforts
Product: Credit reporting or other personal consumer reports

This morning, I noticed incorrect accounts appearing on my credit report, and I have no idea how they got there. I regularly review my credit report, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Because of this, I am requesting a thorough review of the documents I have provided to ensure that I wont have to worry about this issue again.
Product: Credit card

Examine the attached documents. I want the bureau to start investigating these accounts, as I am consistently punctual with payments, yet they are wrongly reported as late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to privacy and confidentiality. Under the law 15 USC 1681. ( XXXX Account number XXXX ) Replace this with the accounts being disputed has violated my rights. 

15 USC 1681 section 602 A States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Product: Student loan

My wife and I are about to default on our loans with Navient. We both were in reduced interest payment plans with them. My payment was about XXXX every month and my wife 's was just around XXXX a month. we made these payments for 18 months. last XXXX my wife suffered some very serious XXXX. She had to be hospitalized, lost her job, and still needs to be treated on a regular basis. She has begun working again, but makes about 50 % of what she was earning before. We are now unable to pay Navient. I have made several attempts to get them to reduce our payments, but the best that they can come up with is XXXX a month for my loans, and my wife 's would remain the same. We ca n't afford this and now they are threatening litigation. How can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Student loan

I called Navient to request that they send me a School Misconduct Discharge Application. They said that they could not send the application because I was not eligible for it. The reason they said I was ineligible for it was because I previously in the past had consolidated my private student loan. I do not know if this is true or not, but the article I read about it did not say anything about this being an issue. I just would like someone to look into the matter further.
Product: Mortgage

In XX/XX/XXXX2017 we started the process of refinancing our 2nd mortgage held with Ditech. The rate is 8.6 %. We attempted a few years back to refinance with Ditech ( formerly a XXXX loan ) to lower the rate but they would not do it. The new bank we are working with saw that the 2nd mortgage loan had two liens placed by XXXX. I contacted Ditech by phone to attempt to resolve the issue and sent an email on XX/XX/XXXX/17. They sent a letter with information that Greentree was now Ditech but I could not access the letter and was not the resolution to the issue. I called Ditech a few more times. When I have talked to the Ditech representatives by phone they can not locate the documents and could not help. On XXXX/XXXX/2017 I called and was told Ditech was going to do a title search. On XXXX/XXXX/2017 via email I sent copies of the two recorded deeds from the XXXX XXXX Arizona XXXX online service. I called Ditech on XXXX/XXXX/17 and asked to speak to a supervisor. I was told a supervisor was not available and they would call me. Ditech has NOT responded at all since I started contacting them in XXXX 2017. The rate is XXXX us and we will refinance but Ditech must be held accountable for the terrible  service and continued interest accumulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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 been trying to unfreeze my account with Equifax since mid XX/XX/XXXX. It is now XX/XX/XXXX and after 10 phones calls my account is still frozen. I called today and was redirected to call 6 different phone numbers to cancel my account. After 4 hours of calls and waiting to speak to a representative they have told me my account is closed. I have my doubts since for a month they told me my freeze had been lifted. Most frustrating and unorganized company I have ever had to deal with. They have had my finances frozen for over a month and this has been an extreme hardship. They are uncooperative and continue to give the runaround. They do not resolve any issues and give different excuses as to why things were n't completed with each call. Hate them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( XXXX ) to be in error, also the below are against to the law FCRA
Product: Mortgage

XX/XX/XXXX Was referred to XXXX XXXX Written Correspondence and fax # XXXX ... Submitted all paperwork for Release of Partial Lien on property that the home mortgage is NOT on. We have XXXX plats that encompass the property we own. Well Fargo has a lien on a piece of property that we traded property with back neighbors to square our property off on XX/XX/XXXX. This was an even trade ... .no money involved. Wells Fargo has a lien on their ( XXXX ) property and they need to sell it. All paperwork was submitted to Wells Fargo on the fax # above given to us ... they said it would be finalized by XX/XX/XXXX. That date came and went. I gave authorization to XXXX XXXX XXXX to talk to Wells Fargo regarding the loan lien on his property XXXX submitted all necessary signed authorizations to Wells Fargo. We have XXXX faxes we have submitted and he told us he only received one. A supervisor was asked to intercede.. XXXX XXXX XXXX said faxes were received and he told us we did not have to send any more faxes. XXXX XXXX said he only received one fax. We expected this to go easy but feel we have been ignored ... XXXX XXXX has been ignored ... .and this is a complaint to get this solved. We have been paying taxes on this property all along ... .it is not included in the property plat the home is on. We submitted all legal documents and were told we did not have to submit anything else. we need help in rectifying this situation. We receive no phone calls from them ... .we call and get nowhere ... no one to talk to ... XXXX XXXX is always busy or gone.
Product: Mortgage

Ocwen loan servicing took over my loan. The loan was already modified when they did. Since that time they have demanded a cushion for my escrow which is causing me extreme hardship. I went from {$1500.00} to XXXX in 2 years. My insurance has premium has decreased and my property tax has not increased. XXXX I asked to pay my own tax and insurance on the property. They refused and told me that the loan had to be modified for 5 year before they can waive escrow. This was XX/XX/XXXX. XX/XX/2015 is the five year. XX/XX/XXXX I again requested to pay my own because it would be less hardship for me. I would not have to maintain a cushion. I already approached my city about this. Now I receive a letter from Ocwen saying they can not waive the escrow and the reason is that the loan must not be delinquent in the last 12 months. I have never missed a month 's payment. I have had to pay a late fee because I am paid twice per month and it takes all of my salary to meet their demand. I am current on the payments. I qualified for the modification because of hardship, how can a mortgage company insist on making it even harder for someone with extreme hardship?. I have owned the property for 28 years and I never experienced anything like this. Please help me, I am at my wits end. They collect {$1500.00} per month in escrow only, totaling {$18000.00}. My escrow payment this year is {$15000.00}. I can not lose my property because of Ocwen. Please help me. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Affirm Inc hit my credit report claiming I had a past due balance of 30 days. I didnt have an account with them, my husband did. They dropped my credit score 100 points because on that day, they added the delinquent account, closed a former account that had been in good standing, and added the 30 days past due. 

When I called them, I wasnt even in their system. The woman I spoke with said she needed my name ss # etc just for verification and I didnt pop up. She told me she would escalate my request to have this corrected as I wasnt even on of aware of the account. She didnt. When I called back to speak to a supervisor, they now had added all of my information to their system and claimed that I was added to this account in XXXX, that my husband added me. Funny, because I have documentation from my credit monitoring apps that I was just literally just added on XX/XX/XXXX when it went delinquent. My husband has since paid the balance in full but my score has only gone up XXXX points. I want this account removed as I did not open it, was not aware of it, and none of my information was added until they had to verify me. The old account I had that they claimed was the account this debt was added to was closed by them and a new account was specifically created for me without my knowledge or permission. I had nothing to do with my husbands account and even though he opened it in XXXX, it did not notify me until XXXX?? 

I can not get anywhere with this company because they lie and are unethical. I have tried. Please help me get this removed.. I went from a XXXX to a XXXX all because of their falsifying information and adding me to account that I had nothing to do with.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor as violate my rights. Under 15USC 1681 section 602 clearly states I have the right to privacy. 15USC 1681 section 604 section 2 it also states that a consumer report agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan as late for any purpose. 

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 SANTANDER CONSUMER USA 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

As of today, XX/XX/2020, I have contacted TransUnion Credit Report, they unfairly report wrong information on my report and keep my score at the lowest point of all 3 Credit Report. 
I have called several times to dispute my hard inquiries, and too remove them. 
I get told NO, they can't not do that, they have given me directions on how for me too do it.. Write letters, call the hard inquiries, contact the police, and the lastest today, was write to the hard inquiries and request they write TransUnion to have them removed! Once again I am sent too all kinds of representatives that I can not understand what there sayings! I ask for a supervisor here in the United States and all got was a recording. Yesterday XXXX  deleted 2 hard inquiries not authorized check my credit report. TransUnion keeps giving me the run-around and I ask why serveral times why they just didn't just deleted these inquiries that I didn't authorize and he said, oh we can do that ..I said why? He said ummmmmm, I don't know? Please help to deal with TransUnion, I put a freeze on my account due to I don't trust them due to what I have been through the last 2 months.. please help me..