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

I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, Santander said he was unable to finance on his own and refused to assist me. I assisted Santander in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due 180 days then 120 days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX law to assist me with this issue. Santander is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my ex-husbands credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX  & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late XXXX XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I called Wakefield and Associates regarding a medical collection reported to my credit reports, I am in the process of cleaning up my credit reports and paid this account in full in the amount of XXXX plus a payment processing fee. The payment cleared my bank on XX/XX/XXXX. I was told this would be removed from my credit reports within 30 days. It is now 34 days and this account is still showing on all 3 credit reports. I called Wakefield and Associates on Monday XX/XX/XXXX to inquire why it is still listed on my reports. I was told they sent a deletion request on XX/XX/XXXX to all 3 credit bureaus and that I would need to follow up with them. So I called customer service of XXXX, XXXX, and XXXX and was told by all 3 of them that they have not received anything from Wakefield and Associates and that I would need to file a dispute and wait another possible 30 days. I went ahead and filed disputes as directed. On XX/XX/XXXX I called Wakefield back and was told in a very rude manner they did what they are supposed and its not on them anymore. I was told to email XXXX and request copies of the deletion and paid in full letters to be emailed. I have not received any further response or communication from Wakefield or any of the information I requested. This is causing me problems as I am trying to obtain a line of credit with my business and I want to ensure I have nothing in collections.
Product: Debt collection

Called repeatedly @ XXXX XXXX., XXXX XXXX., & XXXX XXXX
Product: Mortgage

My loan officer, XXXX XXXX, with Mortgage Express, and realtor, XXXX XXXX, told me to apply for an owner occupied loan, when they both knew that I wanted to rent the property out, in order to take care of my XXXX year old mother. The first loan I applied for with Mortgage Express was for a rental property loan. My offer was not accepted. When I found another home I put an offer on, they told me since I would eventually live in the home ( when my mother passed away ), to apply for a owner occupied loan. When the loan closed, and I informed my home owners insurance company ( XXXX ), they told me I needed a rental policy not home owners. When I contacted XXXX XXXX she stated she knew nothing about home insurance. I plan to occupy this home AND take care of my XXXX year old mother in her home, but I do not want Mortgage Express to do this to anyone else. XXXX XXXX has left threatening messages on my cell phone when I have asked to speak to her manager. She has been trying to intimidate me. How many other complaints do you have against Mortgage Express in XXXX, Oregon?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed an item I feel is inaccurate or does not belong to me. Some items are reporting as duplicate accounts and the credit bureaus refuse to investigate my account in dispute. XX/XX/XXXX with XXXX, XX/XX/XXXX as well.
Product: Credit card or prepaid card

Previous complaint XXXX was closed after Amex replied and promise to return my money back. However, Amex actually does not return the money.
Product: Debt collection

Long funding loc. XXXX XXXX XXXX XXXX. 
Had a courier give my husband a paper telling him it was a summons. No case file number not filed. It says if I did not answer it within 30 days judgment by default can be used against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Macy 's via direct mail several times to verify the information reported. The first couple of responses they refused to look into any information, and recently I received a Cancellation of Debt 1099-C form from them in regards to the account. If there is no proof of the account, and they have admitted cancellation of the debt, the account needs to be removed from the credit reporting.
Product: Credit reporting

I have disputed XXXX - XXXX directly with XXXX three times, filed a complaint against them with the XXXX, the CFPB and the Attorney General in Texas. I am irate because they have not responded to any of my complaints via phone call, email or mail. How can they do that? 

This account needs to be deleted on my credit report before I hire an FCRA attorney to file a lawsuit against XXXX.
Product: Student loan

On    XXXX   XXXX   XXXX  ,  I spoke to  2 differ ent representatives about my accounts regarding late payments. I was informed that on these dates my loans were covered by forbearance. However, I was told that even though the dates were covered by forbearance, the company would not remove the late paymemts noted on my credit reports.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet Experian and XXXX have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.
Product: Credit reporting or other personal consumer reports

I never opened an account with your company or owe past collection accounts. All data present are fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 or other personal consumer reports

Subject : Complaint Regarding Citi Bank CBNA Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against Citi Bank CBNA for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account XXXX ; Amount/Value : {$5400.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-off with balances, causing severe harm to my credit report. 

To address this matter, I provided Citi Bank CBNA with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that XXXXXXXX XXXX : Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with CitiBank CBNA Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account # : XXXX Balance Owed : {$27000.00} Date Opened : XX/XX/XXXX ) and XXXX XXXX XXXX Account XXXX XXXX Balance Owed : {$660.00} Date Opened : XX/XX/XXXX ) have violated my rights under 15USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section604A Section 2, it also states a consumer reporting agency can not furnish an accounts without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card accounts under an open-end consumer credit plan as late for any purpose.
Product: Credit card

applied for jp morgan chase united card recieved with XXXX limit proof of letter. used it once they turned it off for verificvcation and fraud. had to charge an airline ticket on another card. went to weveral branches they said card ending in XXXX was not closed turned it back on and when i got to TN it was off again. went to several branches ande even emailed id verification paperwork and hard copies to the credit bureau experian. They sent me another card to my home in XXXX XXXX then charged me to ssend one TN where i was on vacation without the use of the new card. 


spent coutless hours at branches and on the phone. sent in a registered letter to opt of thier arbotration agreement but need guidance. im a XXXX veteran and my finances have been interrupted
Product: Debt collection

this account was a result of fraud i have filed a police report and ftc identity theft affidavit has been notarized.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Product: Payday loan, title loan, or personal loan

I booked a vacation with XXXX XXXX XXXX and financed it with Uplift for XX/XX/2022 making a down payment and paying for unconditional option to cancel with full refund. After my sons team did not make it to the playoffs, I cancelled the entire package on XX/XX/2022. I have been going back and forth with XXXX XXXX trying to get the money refunded to the original method of payment. I have sent emails to Uplift notifying them of this and for them to not debit my account. Until today, I could not get anyone on the phone with Uplift or anyone to assist me with resolving this matter via email. Even after speaking with the rep, she was not helpful. At this time I have been debited {$820.00} for a trip I did not take.
Product: Debt collection

I had a contract with XXXX after the contract ended I kept paying on a month to month for $ 25 month for a second line. I paid my bill and they tried to say I did not and charged me {$120.00} which was not on my month to month. I sent them the receipts and called them several times over the years I have disputed this bill each year and have told the collection companies what happened. I wish that someone can stop them I don't owe anything on this bill. I wish they stop selling it to all these different companies because they are not getting anymore money the bill was paid in full.
Product: Credit reporting or other personal consumer reports

To Whom I

t May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. According to the Fair Credit Reporti
ng Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account # XXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Mortgage

In the early part of XX/XX/2021, I sought to refinance my VA loan to take advantage of the equity in my home. Due to hearing ads on the radio, seeing them on television and the internet, and because of the constant barrage of mailings I receive at home, I decided to give NewDay USA the opportunity. I filled out the form online, and was contacted by an XXXX XXXX to begin the process. For nearly a month, I ensured all of the documentation I needed was obtained, the termite inspection was completed, and everything else required of me was done to satisfy the needs of the lender in order to move forward with the refinance. 

I was contacted by XXXX within the first week of XX/XX/2021 to ask about a loan modification that I recently made to my current mortgage. I explained to him that because of the COVID pandemic, and the uncertainty that so many of us felt, I took advantage of a forbearance program offered to me by my current lender, XXXX XXXX. I detailed how the uncertainty of sustained employment and being able to meet my financial obligations led me to participate in the program, and due to the legal Avenue available to me, I was granted two three-month reprieves in making my mortgage payment. At the end of that six month period, I was to participate in a trial loan modification ( which lasted three months XXXX, and at the end, resume a new mortgage with a modified payment. I met all of the requirements and was NOT delinquent in my mortgage payments, as the COVID relief legislation mandated/authorized, and my credit score was not adversely affected. 

However, because of this participation in the loan forbearance and the loan modification, I was denied credit, despite the countless assurances from XXXX that things were going smoothly and that closing would happen sometime in the middle or near the end of XX/XX/2021. 

Fast forward to today, XXXX XX/XX/2021, when I received in the mail a letter from NewDay Financial with the heading Notice of Action Taken and Statement of Reason ( s ), Statement of Credit Denial, Termination or Change stating that I was denied credit because of one checked box : Delinquent past or present obligations with others. 

This denial reason is a fabricated and blatant XXXX as I met all of the legal requirements authorized for me to use and WAS NOT delinquent in my mortgage or any other debtor/creditor through out the COVID pandemic. I find this type of lying, deceit, and downright dishonesty despicable, and NewDay should be held accountable for their false and fictitious XXXXXXXX
Product: Debt collection

They call my cell phone while Im at work and dont leave messages. They call from multiple numbers. Now they are calling me at XXXX! This is ridiculous!