23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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

Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX XXXX that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.
Product: Mortgage

We spent weeks in communication with XXXX XXXX, XXXX XXXX and others at JP Morgan Chase Bank in XXXX and XXXX supplying them with all the credit and loan documents for a potential re-finance loan of our property in XXXX XXXX, Texas. All the numbers were positive, including a top-tier credit rating, all the documentation was submitted and an appraisal of the property was done showing a significant value in equity of the property. All questions were asked and all answers submitted. We received a final call from XXXX XXXX saying that we were approved for the loan but there was XXXX criteria he neglected to mention earlier. We needed to deposit a million dollars plus, in assets to the JP Morgan bank before closing in order to qualify for this loan. We responded by saying we have submitted all the bank info we had and there was no secret accounts with XXXX dollars hiding to deposit into your bank. They also would have known this by seeing it in the research of the loan process. I asked why did he just now tell us after many weeks of us providing all of our documents and taking hits on our credit reports. He said he forgot. The fact is we believe it is a simple case of Bait and Switch. Simple fraud. I had asked XXXX straight out, if we could deposit XXXX dollars into their bank would we be eligible for the loan. He said " Yes ''. We received a credit report and letter recently that stated we were not eligible of the loan because of our credit to debt ratio. This is certainly a cover up act to make it look like we were not elegible. The fact is, and the documents and correspondence reflect this, is that we had plenty of credit and equity to be qualified. And if we were n't, this would have never gone this far in the process. While I do n't feel there will be any resolve in this matter, I do wish to make clear to consumers that there is still corruption and fraud going on in our financial institutions and please make it priority XXXX to make sure you have asked all the questions and above all make sure you deal with reputable people who have solid integrity. The players in this scam were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I believe their supervisor to be XXXX XXXX. 
XXXX XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Advisor XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX JP Morgan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Product: Credit reporting or other personal consumer reports

YesBy law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete. 
looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and transunion must delete these items from Credit report immediately. 
Thanks
Product: Debt collection

First National Bank of PA bought a loan that I had paid forward several years. When they bought the loan they hit my credit for non pay of the payments I was ahead. I reached out to the leadership team at FNB who contacted the bureaus and had the items removed. ( They also provided correspondence accepting responsibility and acknowledging there systems were not able to provide me a bill moving forward ). Two months later the same items showed up again on the credit profile. At this point I contacted the company again, they said they resubmitted and 30+ days later the items are still showing on my XXXX and XXXX reports. Furthermore, now my wife shows a civil judgement on her profile which the bank says they know nothing about. 

This bank clearly lacks the technical system to manager the business and I have significant concerns to there ability to manage my data at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently realized that my XXXX XXXX XXXX XXXX loan is reporting at be closed and charged off thru all 3 of the credit bureaus. Even after bring the account to a current status the incorrect information had repeatedly been entered on all 3 of my credit reports. The purpose of XXXX XXXX  is to help individuals with troubled credit improve their financial life. Currently my account status, balance and the amount of the loan is showing incorrectly : I have spoke with and emailed their customer service to include screenshots and the response is that the account is accurate. After filing a dispute for the same thru all 3 credit bureaus ; this account is being illegally validated as being account to each of them even with the submission of the screenshots from this companies website showing the payment history and current status of the loan. My next payment was due yesterday and I did not make it because an account can not has both an open and charge off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It 's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. FCRA Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block the reporting of information on a consumer 's credit file if the consumer claims it is the result of identity theft. U.S. SENTENCING COMMISSION. 18 U.S.C. 1028A. TRANSFER, POSSESSION, OR USE OF A MEANS OF IDENTIFICATION OF ANOTHER PERSON DURING AND IN RELATION TO ANOTHER FELONY. 15 USC 1692 The FDCPA 's purpose is to eliminate abusive debt collection practices, protect debt collectors who don't use abusive practices, and encourage consistent state action to protect consumers. 15 USC 1601 The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use ofcredit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use ofcredit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Under the Fair Credit Reporting Act, you're entitled to a fair and accurate credit report. If information about the repossession is inaccurate or unsubstantiated, I have the rights to dispute from my credit report. Delete these inquiries due to violation of 15 USC 1681b 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 Collection Chargeoff {$15000.00} account number XXXXXXXX XXXX XXXX XXXX XXXX {$2200.00} account number XXXXXXXX XXXXXX/XX/XXXX
Product: Credit reporting

Completed form for request for free credit report on : annualcreditreport.com Requested Free Credit report from XXXX XXXX as well as Experian and received notification Message as follows : We are unable to complete your request. 
What happened : " You have already received your free Personal Credit Report from XXXX ; therefore, you are not eligible to receive an additional XXXX report at this time. " I have NOT requested my credit report for many years. This data is incorrect. I have an urgent need to access my credit information as I was refused access to Social Security MyAccount information because my " responses to credit questions '' did not confirm my identity. One of those questions involved a statement of a purchase or lease of a car in XX/XX/XXXX. I have not purchased or applied for any car loans or lease since XX/XX/XXXX. Therefore I need to investigate a possible identity theft situation. I need my free copy of my Credit Report NOW. Also, need to know, to whom, when, and why, you may have or believe you have received a request for my free report as well as where you sent that free copy if not to me. This Is an Urgent Request you my contact me by email or phone.
Product: Checking or savings account

Discover Bank Supervisor, did a third party call to The Social Security Administration inference to me of someone is rejecting my payroll, when they should be putting my payroll their, in my checking account. The Supervsior, at the Social Security staff sent my Payroll to a close account, instead of and Open account, XXXX XXXX, than is correct maybe two account should have been opened, due to XXXX XXXX fraud, of wanting {$1200.00}, for {$300.00}, when Discover Bank did pay them on my payroll!! XXXX is committing the Fraud!!! 

I did give the Supervisor XXXX XXXX, ( ssa ) the correct checking number, on a timely basis, to put my payroll check into my account, which is {$700.00}, and for 30 employers, it should have been $ XXXXx12x4 IS $ = {$4100.00}, {$700.00}, never. 

Discover Bank supervisor, called the Federal Agency, concerns about she have no control over a closed check going into a Closed Account, and she thinks it may take two up until two weeks, it will never take two weeks to process a check, that should not be rejected, instead. Only Fraud checks should be rejected, or returned, not a good Check. 

My employer, I updated the check at my employer, and it was sent immediately, the next day. 

Discover bank, when my mortage person cause my check to nsf, discover was supposed to take {$35.00}, Someone at Discover bank once took to {$260.00} of my XXXX bill and necessity money!!!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Debt collection

On XX/XX/XXXX I was issued a summons from XXXX XXXX. I had made a good faith payment of XXXX in XX/XX/XXXX. I had tried to keep communication with them and hoped they would work with me. I live with mom and dad and they have severe health issues and I had another mailing address for them to mail and get in touch but they did not honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have fraudulent and unauthorized credit card and collection accounts and hard inquiries listed on my  Trans Union ,  XXXX  and   XXXX    credit report. I filed a police report with the  XXXX   XXXX  Police Department and the police report case number is :  XXXX , the following credit card and collection accounts and hard inquiries are fraudulent and unauthorized :    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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PHEAA erased my student loans as requested with all credit bureaus. However, XXXX  missed the elimination process. I ask XXXX  to reinvestigate the matter and delete the PHEAA student loans permanently. 


COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from Pennsylvania Higher Education Assistance Agency ( PHEAA ) /American Education Services ( AES ) /FedLoan Servicing is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of your account. Please Note : PHEAA conducts its student loan servicing operations commercially as American Education Services and for federally-owned loans as FedLoan Servicing. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.
Product: Mortgage

SN Servicing is continously causing me undue stress with the payment process and fees. I have been paying my monthly payments as expected every month. I am 2 months from completing my bankruptcy after 9 years. I currently take care of my mother that has XXXX and just want to finish my bankruptcy so that I can retire from work to continue to care for my mother. SN Servicing keeps filing a notice to remove my automatic stay. We just went to court in May when the judge dismissed SN Servicings default notice to remove the automatic stay. I presented all my receipts to the court never missing any payments. On XX/XX/XXXX, SN Servicing filed another default notice stating that I owe for XXXX and XXXX payment with {$400.00} in suspense. The XXXX ask us to meet to resolve the issue. I sent all my receipts to my attorney for payments paid in XXXX, XXXX and XXXX. My attorney requested a copy of all payments and SN Servicing sent a sheet of erroneous charges that included return check charges and monthly arreage charges totalling {$2000.00} in arreage fees. SN Servings owed this amounts to me. SN Servicing states that I owe for XXXX and XXXX payment and the {$400.00} suspense payments doesn't exist anymore. I also should have a suspense payment of {$2000.00}. SN Servicing Corp. is also claiming that I owe return check charges in XXXX, when I didnt have a checking account and have paid all my payments via wire from my bank through the Federal Reserve XXXX Each month when I make a payment SN Servicing never post my full payment of {$1600.00}. SN Servicing bankruptcy Dept. Is misapplying my payments. My payments are posted and then unapllied and then posted at a lesser amount of {$1400.00}. This company also changed the original terms of my originsl loan from FHA to conventional. This servicer is commiting all kinds of mortgage fraud. I just want them to acknowledge my payments and postt correctly. I want all erroneous fees and arreages to be removed. This is unlawful. I was even charged forced placed insurance when I dont pay insurance to the mortgage company bc I own a condo that's paid through my HOA. This company is trying to cause me to loose my home when I am a consumer that is doing the right thing, by paying my mortgage on time every month. I am owed thousands of dollars. I only owe for my XXXX payment which I plan to pay this week. Please help! This is causing me undue stress and causing me health issues. I've never experienced anything like this before with a mortgage servicer. Please help. I have all receipts that substantiate my claim.
Product: Credit reporting or other personal consumer reports

It is XXXX  to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) and mishandling my identity verification process. Despite providing them with all requested documents for identity verification, Equifax continues to request the same information, preventing me from receiving my credit report and score. I have followed all instructions, and I have proof of the documents sent via certified mail, yet the issue remains unresolved. 

The Details of My Complaint : 1.Failure to Honor Documents Submitted : Under Section 1681g ( a ) ( 1 ) of the FCRA, I have the right to request and receive my credit report free of charge if I meet certain criteria, such as having my identity properly verified. Equifax requested identity verification documents, which I promptly provided in accordance with their instructions. Despite submitting these documents via certified mail and having proof of delivery, Equifax continues to request the same information, causing undue delays in receiving my credit report and score.

2.Repeated Requests for the Same Information : As per Section 1681i ( a ) ( 1 ) of the FCRA, credit reporting agencies are required to conduct reasonable and efficient procedures to provide consumers access to their credit information. Instead, Equifax has failed to honor the documents I have already submitted, making redundant requests for the same identity verification information, which is contrary to the laws intention to streamline the process and avoid unnecessary delays.

3.Failure to Provide Timely Access to My Credit Information : Under Section 1681g ( a ) ( 1 ) and Section 1681i ( a ) ( 1 ), I am entitled to receive my credit report within a reasonable time frame upon identity verification, which Equifax has failed to provide. The continued requests for documents and the lack of resolution in my case is not only frustrating but also in violation of my rights under the FCRA. 

I am requesting that the CFPB step in to investigate this matter and assist in resolving this ongoing issue. I have already complied with all requests from Equifax and provided all necessary documents, yet they continue to delay and request the same information. This is preventing me from obtaining my credit report and score, and I feel that my rights under the FCRA are being violated.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, BRITE FINAN, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BRITE FINAN, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccuracy on my credit report concerning an auto loan with CarMax Auto Finance. Upon reviewing my credit profile, I noticed the following discrepancies : Creditor Name : CarMax Auto Finance Account Open Date : XX/XX/year> Reported Balance : {$2400.00} This account was paid in full and should reflect a zero balance, as agreed. Reporting a balance on an account that has been fully satisfied is a violation of the Fair Credit Reporting Act ( FCRA ) under Section 609, which ensures that all items on a credit report must be complete and accurate.
Product: Debt collection

I received a letter of a lien on a property that my name is on I have never received anything prior and company refused to verify debt I wasn't even aware i was sued because is not even on my credit report I want the lien removed immediately and for company to send a letter of it being removed from county clerk of records