23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in the process of fixing my home after a hail storm. So far I have replaced the roof, the siding, and am in the process of replacing a bay window. My loan provider ( loancare ) has consistently failed to notify me of evolving requirements of theirs, and has had otherwise non-existent communication aside from periodic threatening letters, which I brought to their attention. I have not had a late payment since purchasing my home in 2003. They failed to notify me of a requirement of theirs that I provide a release of lien, a W9, and a signed contract. They say once the account goes over $ 20k this is required, however, when speaking with a representative two days prior, I was assured all I had to do was send in the check with the loan number affixed. After sending all of the required documents, they then told me I needed to endorse the check prior  to sending it, and they returned the check to me unsigned. At no point was I told to endorse the check, in fact I was advised earlier not to endorse the check for safety reasons. Also, the office they list in CO claims they do not have access to any information, and are solely for debt collection. This is misleading to say the least. These are but a handful of issues I have had with this company, and I am concerned with my ability to fulfill my obligation to complete work on my house in a timely manner when I am met with such dysfunction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXXXXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXX ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, has violated my rights. 

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

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

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX   XXXX {$1000.00} XXXX XXXX {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota motor credit orp. Keepsreneging on an earlier settlement with the CFPB, and states my account was in cghharge off/collections, espite the fact that the account was paid and closed.toyota hadrefusedtomprocess my report to the gap coverage that I had earlier paid for ; it thereafter agreed tht I was entitled to gapcoverage and agreed to alter its prior credit report that the account had been charged off and in collection status.

As of this writing, the report on XXXX  says the account has been charged off and in collection status. These actions are vindictive, wrongful and have impairedny credit.
Product: Credit reporting or other personal consumer reports

I am filing this Complaint because I sent the following letter to ALL Credit Reporting Agencies... On XX/XX/XXXX " As a Federally protected Consumer I am now exercising my right to opt out of all authorization, I, the Consumer, may have given you ; written, unwritten, verbal, and non-verbal. 
You are in violation of my Privacy Rights for sharing my personal information i.e. credit reporting with non-affiliates per 15 USC 6508 i.e. obligations in respect to the disclosure of personal information and 16 CFR 313 Privacy of financial consumer information.

You are in violation of my Rights pursuant to 15 USC 1681 ( b ) needs written permission from consumer to disclose personal information i.e. credit reporting.15 USC 6802 ( b ) Non affiliate third party cant disclose information to.

Per the Privacy Act of 1974 and 15 USC 6802 I request that ALL Charge-offs be removed now because they are certificates of indebtedness, which means it is considered income and must be removed. 

Regarding these violations, I am requesting that you update ALL accounts to Paid as agreed in accordance with the Fair Credit Reporting Act & 15 USC 1681 all reporting across credit bureaus have to match I may be entitled to under 15 USC 6508, 15 USC 1681 ( b ), 16 CFR 313.7 ( f ) Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 

I request that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at XXXX who verified the dispute with the original creditor. 
Remove any Student Loans reporting in violation of Family Educational and Privacy Act of XXXX '' I would like to note for the Record that on XX/XX/XXXX I discovered that my identity had been stolen by receiving a XXXX report that had my social security number but the wrong drivers license for an inquiry dated XXXX XXXX : XXXX XXXX behalf of XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Caller called 4 times in less than 24 hours including calling my workplace and did not verify my information before going into a statement on collecting debt. He called on XX/XX/18 at XXXX XXXX ( left a voicemail ) and called immediately again at XXXX XXXX. He then called on XX/XX/18 at XXXX XXXX and then called my workplace at XXXX XXXX. I told him not to call me repeatedly. 

The company name was identified as Admin Recovery.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting a bankruptcy on my credit report and they have put in this data furnisher as the US Bankruptcy Court of Georgia which is false I have attach a letter from the US Bankruptcy Court of Georgia verify and stating that they do not furnish information over to the credit bureau or any other credit monitoring services nor do they verify or validate any information concerning bankruptcy. XXXX is falsely stating this information on my credit report and has yet to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and reporting of an account listed on my credit report that I believe to be in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ). These account has breached my rights to privacy and confidentiality as stipulated under Title 15 U.S.C. 1681, particularly in sections 602 ( A ), 604 ( A ) ( 2 ), and 1681c ( a ) ( 5 ).

The following accounts have been reported without my explicit written instructions, thereby contravening the requirements set forth by the FCRA : XXXX XXXX : # XXXX According to 15 U.S.C. 1681 section 602 ( A ), I am guaranteed the right to privacy. Furthermore, section 604 A ( 2 ) mandates that a consumer reporting agency can not release any account information without receiving written permission from the consumer. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits the reporting of any adverse information, other than criminal convictions, that predates the report by more than seven years.

Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful to furnish any information about a consumer to a reporting agency if the provider knows or has reasonable cause to believe that the information is inaccurate.

Given these violations, I am requesting the immediate deletion of the aforementioned accounts from my credit report. Please review this matter under the guidelines of the FCRA and confirm in writing that these accounts have been removed.
Product: Student loan

My private loan accounts were initially owned by XXXX XXXX. XXXX XXXX and I reached an agreement to continuously pay {$200.00} a month to remove me from default to current. When speaking to XXXX XXXX a year later regarding my Education Loan, they stated it was being transferred to Navient. They also stated my private loan would be moved over as well. 
I then continuously paid Navient every month, and when my agreed years of payment was reached ( XX/XX/XXXX ) they contacted me with a settlement offer of XXXX. I could not make that the large payment and asked if I could keep the same {$200.00} payment. The Navient representative agreed and I gave my banking information. Approximately, 5 months later I received a second call from Navient inquiring if I would settle the account by paying {$17000.00}. I could not make the second payment and the representative stated they would keep doing the ACH deduction of {$200.00}. When viewing my private loan online I saw my status was considered late payments. When I spoke with the representative she stated the only way the status would change was if I made a lump sum payment to bring it current. I could not make the {$5000.00} payment, so she suggested I make larger payments to have more go to interest. 
I recently acquired my credit report from all XXXX agency and saw that Navient had me as a Charge Off. When viewing my credit score it shows my account status as derogatory and not paying. When I inquired via telephone why was this on my credit the representative stated this was the way they state default. We both went back and forth about the way their reporting there information and that they never notified me it was a charge off. 
On XX/XX/XXXX, did credit dispute with XXXX credit Bureau ( XXXX and XXXX ) and sending documentation to XXXX.
Product: Credit reporting or other personal consumer reports

To whom this XXXX concern these account are not mind this fraud I ask for proof and no one never responded back several times can you please have these companies verify all my information far mt signature and a picture my ID
Product: Credit card

Sending this to synchrony bank will not help me because it is synchrony bank that obviously has permission to do anything they want to consumers by changing terms and causing us ( consumers ) more problems than we already have. Last year synchrony bank gladly gave me a digital XXXX credit limit of {$2100.00}. I set this up as my preferred payment method for purchases through XXXX. Gee, I just realized this isn't going to help me a bit to tell this story because I've seen hundreds and maybe thousands of complaints just like mine and the company simply says that " you aren't credit worthy ''. What a scam. Luckily I monitor my finances diligently because I have limited resources being a retired person for 15 years and having to use charge cards for anything other than rent and phone and utilities. Well when I went to pay my monthly payment if {$41.00} this month it says I only have {$17.00} credit left! Terrible. Of course if I hadn't noticed this I would have soon gone over my limit and been charged a big over the credit limit fee. AND this has lowered my debt to credit ratio and thus lowered my credit score which I certainly can't afford. What's going on with them? I read many postings from people who contacted them or even paid off the balance or tried to make bigger payments and synchrony then simply closed their accounts. I doubt that this will help anyone but it least all of you thousands of people will know you're not alone. What a shame, some people said that every time they make a payment synchrony bank will lower the credit rating again so that they are just a few dollars above their new balance. I for one just don't know what to do to " fix '' my situation. Other banks are doing this too from what I hear and the only solution for someone like me will be to just simply stop making my charge card payments. Unfortunately society would say that this is my own fault so XXXX XXXX XXXX I guess.
Product: Debt collection

I sent the attached letter to Nissan Motor Acceptance Corporation certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.
Product: Payday loan, title loan, or personal loan

Someone took out a title loan on my car because they had stolen the my title from my residence. I did not know about this until very recently and I believe the title loan was taken out about a year ago. I have a XXXX XXXX XXXX XXXX XXXX XXXX. I purchased the vehicle in late XXXX of XXXX. I payed cash for it. The company that did the title loan was montana capital. I never authorized or would even think about taking out a title loan on my vehicle. The loan was for somewhere between {$7000.00} and {$8000.00} I believe. I do not want them touching my vehicle because it is mine and not theirs. I have the bill of sale and everything is in my name. I did not even know the title was missing. Can you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a XXXX XXXX  credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, XXXX XXXX XXXX has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. XXXX are the following payments I have made since, totaling {$7000.00}, yet, XXXX XXXX XXXX sometime known as myecp.com has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over 70 points in XXXX  40 points in Transunion and 33 points in XXXX. What is being reported to all 3 credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at XXXX, it's reflecting the {$00.00} balance but XXXX XXXX still has not updated either of my 3 credit reports. XXXX, Transunion and XXXX  all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have XXXX XXXX, XXXX correct this and XXXX out the balance reflected in all 3 of my credit reports.
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 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  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 an account without my written instructions
Product: Debt collection

This company has reported a a amount owed for a XXXX account which I have paid when I returned my phone
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the GM Financial to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the GM Financial. Then, I checked my GM Financial account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to GM Financial and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks GM got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to XXXX  and XXXX. Which they never delivered and they ultimately asked me to do that, too!!!!

1. I did file a dispute with both XXXX  and XXXX and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to GM Financial again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should GM not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you
Product: Mortgage

I am at the end of my rope with Essex Mortgage. As previously described in previous reports, I was in the middle of forbearance during the servicer switch. The new servicer has tried multiple times to change my loan terms without my written consent, and the reduced payment I have been making since XX/XX/XXXX has continued to be recognized as a partial payment. I never had a problem with that with the old servicer. My funds were applied correctly. On the phone, I have been told I owe {$1200.00} a month, not {$1200.00} a month, but I will not be paying this until I get this loan term in writing. They have told me over the phone I can pay the {$1200.00}, but they fail to follow through based on the statements I have been getting in the mail. I have been promised paperwork laying out these terms for months now, but I continue to receive a loan modification application -- which I do not need to fill out, since the company should have the proper documents from the old servicer. 

Additionally, Essex Mortgage has not been honoring my deferment terms set by the old servicer. They have been applying my payments to my past due balance -- which is not how my payments should be applied. Due to the fact that I have an FHA loan, I DO NOT owe the amount deferred during the months of XXXX XXXX to XX/XX/XXXX. My payments should continue being applied to my principal balance -- NOT my past due balance. Payments I have been making have been applied to XXXX XXXX, XXXX XXXX, etc., not the present time. I went under an FHA deferment plan ( verbally over the phone ) back in XXXX of XXXX with the old servicer, where the amount I owed went to the back of the loan at zero percent interest. The new servicer doesn't seem to understand this and continues to send me letters saying I owe the amount of $ XXXX XXXX XXXX XXXX I can not and will not pay this full amount due to the FHA terms. 

Essex Mortgage continues to push the legal threshold of what they should be doing as a mortgage servicer. I will continue to report them until someone looks into this properly.
Product: Credit reporting or other personal consumer reports

i sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information reporting agency, is reporting inaccurate information of my behalf, it is a defamation of character, and a hinderence of me getting approved for loans, credit card, utilities, etc. It is not an accurate reflection of my true credit worthiness. I have tried to resolve this issue with the agency multiple times, I have sent two seperate letters before filing this complaint on this matter. They will not comply with the law. They will not cooperate with me to resolve this matter. I wrote a letter to this agency stating that the followings items were reported inaccurately on my credit report- account- XXXX  XXXX XXXX {$3200.00}, XXXX XXXX  XXXX {$10000.00} XXXX Bank of XXXX {$1300.00} XXXX They said it was verfied as accurate reporting which is false, then I wrote a second letter asking them for the method of verification which under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they must provide that information to me, and they refuse to not provide this information and still will not remove the unveriable items.
Product: Mortgage

My mortgage was in an agreed eighteen month abeyance under the Covid program ( see attached letter ) Before it was due to expire I got in touch with Wells Fargo to commence repayment and to find out how the payments not made in the abeyance period were to be made good I got no clear answer with Wells Fargo suddenly talking about having to requalify for reinstating the mortgage and sending me documents about foreclosure and mortgage assistance, which I did not request. ( see enclosed ) Very alarmed at the turn this has taken which bears no connection with anything said or agreed at the start of during the process of abeyance. 

I called monthly to update Wells Fargo. I was expressly told that payments in abeyance could be tacked on to the end of the mortgage to pay at that time or if sold. 
Document 1 verifies that option.
Product: Credit reporting or other personal consumer reports

I have never had any contract with XXXX XXXX I have never had a contract with SEQUIUM ASSET SOLUTION also I have never been associated with this company. I have never Received a signed contract of any agreement or contract signed by me. All credit bureaus have allowed this inaccurate information be added to my report and did not conduct an investigation per my request.
Product: Credit card

It was multiple charges on my card every year some I didnt get my money back its all on phone calls I had to go to the police station once in ac because someone was trying to use my card info at a XXXX