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

I am not liable for this debt of {$29000.00} with XXXX XXXX XXXX IN Account Number : XXXX ; I do not have a contract with them and did not receive FUNDING, They did not provide me with the original contract as I requested with my wet signature and ID verification. Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit. Also the company is updating the balance of my account every few days which is against the law according to 15 U.S. Code 1692 ( a ) ( b ). I will attach screen shots of the info as well. This is my 2nd attempt to get this matter off of my credit report it is affecting my life and putting me in jeopardy of living a fair life. The recent update to the balance has dropped my credit score down XXXX points and I am ready to file a report with the Federal Trade Commission for illegal practices of my credit. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES IMMEDIATELY.
Product: Vehicle loan or lease

Suncoast and XXXX is knowingly violating several consumer laws! This is my final warning to delete inaccurate accounts! Remove inaccurate accounts Be compensated for emotional and mental stress from this company.Attached is correspondence letter from senior specialist at Suncoast denying/rejecting consumer right to certified verification method if you are allegedly verifying and updating experian? That alone is in violation of my consumer rights and again defamation of my character to report negative inaccurate things and deny my request clearly stated to investigate inaccuracies and deleted per FCRA laws! Being that my request wasnt clear the last several times!! You also stated my request was frivolous and irrelevant? How So?
Product: Debt collection

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX, XXXX, and XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description. 

But they did not do that as well either. 
They are also breaking these laws as well below. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have been continuously reaching out to these companies for over the span of a month notify them of the inaccuracies on my report, asking if they can be updated and removed. these companies told me that they could not update nor could they remove these inaccuracies accuracies. I asked if these please be removed from my credit report and update it immediately. Thank you.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which had severe XXXX on my report. I found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Student loan

Describe what happened so we can understand the issue ... 
I have had a XXXX loan from XXXX XXXX XXXX XXXX. ECSI Services my loan. 
I have auto deductions each month to pay this. I pay over the amount at {$50.00} per month. The website gives you the options to choose your pay date. I chose the XXXX. I noticed I have over 6 months of late fees at {$5.00} each. 

Also I received 2 letters : One letter says I owe {$35.00} for XXXX XXXX. The second letter says I owe {$75.00} and that my account is past due 45 days. If they do not hear from me in 15 days they we put me in collections. I went to review my account history and I am current. So I do not know why I keep getting weird letters from them. Seriously it stresses me out.
Product: Student loan

My loan was high on intrest and dor some reason I had to apply for more loans to be able to graduate and know.I having trouble paying these loan with ridiculous high interests..
Product: Credit reporting

I had filed several disputes to Equifax XXXX XXXX Department and to no avail I have gotten anywhere with them on ( XXXX ) accounts that are not mine I even took them to court in small clams and won judgement of {$1500.00} but they have yet to pay the court cost of {$58.00} which they said they would nor did they removed those ( XXXX ) accounts on my business credit report. Since then they have block my credit from creditors from pulling my credit to establish credit with a home mortgage loan, car, and even joining a monitor service
Product: Credit reporting, credit repair services, or other personal consumer reports

An accident on my driving history record says I was at fault for the accident that occurred on XX/XX/2019. But I have the police report which states that the other driver was at fault and received the tickets, not me.
Product: Mortgage

I am successor in interest and owner of the property. The original XX/XX/XXXX mortgage loan was in the amount of {$160000.00}. The XX/XX/XXXX payoff was {$240000.00}, which is {$980000.00} higher than the original principal. I have requested a complete mortgage payment history and copies of all modifications many times. Fay 's Servicing, LLC has only provided a pay history from XX/XX/XXXX. This makes it impossible to verify the amount claimed due.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. these remarks have been detrimental to my life and my credit health.
Product: Debt collection

Midland Credit became servicer of this account on behalf of Asset Acceptance, LLC on   XXXX   XXXX ,  XXXX . Prior to this, it was a credit card account with  XXXX   XXXX   XXXX  originated on  XXXX / XXXX / XXXX  according to the records.  <P/> According to the court order, current debt exceeds {$13000.00} and o n three ( 3 )  occasions attempts were made to debit my  XXXX  bank account for ALL outstanding funds. (  XXXX ,  XXXX  and  XXXX  levy #  XXXX   ). As I was not aware who was servicing the account or made an order to debit funds from my personal a ccount, I do not believe this needs to rightfully be paid back. Though I did make attempts to contact midlan  d Credit corporate lawyer on three ( 3 ) occasions, with no return phone calls from their corporate office.
<P/>
Midland Credit claims the last payment received o  n the account ( by   XXXX   XXXX  f  XXXX   )  was on  XXXX   XXXX ,  XXXX . If that is the case, it is currently beyond the statute of limitations in the state  of NJ ( six years, currently it 's over seven ( 7 ) years ) and debt should be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status is reporting open on one Bureau and closed on another. Also information like, Dispute Status, Date of Last Activity, Date Opened, and Creditor Remarks are reporting inaccurately and are in violation of my rights and the FCRA. I have sent dispute letters in regard to this matter and NCB Management Services continue to report this erroneous information, defaming my character. I have informed the credit bureaus, in addition I've mailed a copy to NCB Management of their false ans unfair reporting.
Product: Mortgage

I wish to report fraudulent activity committed by Bank Of America. In XX/XX/XXXX I received a FHA loan and financed my home through Country Wide Home Loans. In XX/XX/XXXX I refinanced my loan through Countrywide which lowered my interest rated from 6.95 % to 5.75 %. Countywide went out of business and my Mortgage was sold to Bank of America onXX/XX/XXXX. It was still a FHA loan and maintained the same interest rate. In XX/XX/XXXX I filed Bankruptcy and only added two late house payments. I continued to make my regular payments XXXX to BOA until XXXX/XXXX/XXXX during which time my payments went from XXXX-XXXX. XX/XX/XXXX BOA sold my loan to XXXX XXXX Loans with the same interest rate but unknown to me it was Transferred from a FHA loan to a Conventional loan. On XX/XX/XXXX my Bankruptcy ended and on XX/XX/XXXX I filed for a Harp Loan. I was contacted by Harp Loans and informed that in XX/XX/XXXX when BOA sold my loan to XXXX XXXX Loans they fraudently reported to FHA that my house had been forclosed on and collected money from FHA and XXXX XXXX loans for my home. I currently reside in my home, it has never been in forclosure, and I continue to make my payments to XXXX XXXX Loans and they are up to date and current.
Product: Mortgage

This is a follow up from yesterdays complaint against Selene finance. XX/XX/XXXX XXXX at XXXX XXXX  both myself XXXX XXXX and XXXX XXXX called Selene to follow up about an email that was sent to show proof of funds. We spoke to a rep named XXXX and she said she didnt receive any bank statements. I told her that is a lie because the young lady we spoke to yesterday said she saw my email with the the bank statement for XXXX and XXXX and to send proof I paid for XXXX, which I sent for XXXX and XXXX, but XXXX the rep is now saying she doesnt see any email and to call back on Monday. 
Selene has made an error stating that I missed a month payment which is false. My bank account shows money was removed every month from them and funds were never returned. They have also sent a 60 and 30 day late notice on my credit report which I want removed. Everyday I speak to them I will come on here to have a paper trail on each phone call and recording on what they are doing, which is taking my mortgage payment. I have proof on my bank statement that no money was returned and all money was pulled out of my account from.PLease review XXXX  and reviews on Selene finance. They are taking peoples money and saying they never paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and correspondence from XXXX, TransUnion and XXXX stating that my file was modified however they did not remove the 30-day late per my request. Im trying to improve my credit and take care of my responsibilities and noticed this inaccuracy on a few accounts that I wanted a little more explanation on. My score went from XXXX to XXXX with this misreporting. Im fully aware about the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate.
Product: Mortgage

On or about XX/XX/XXXX, my husband and I applied for a mortgage loan with Movement Mortgage to purchase a house for {$270000.00}. They sent us an application for a {$210000.00} loan, including a lock agreement document, which they had filled out to say that we chose not to lock in the rate. It also indicated that the choice was not binding until we declared an intent to proceed with the loan. When we received the loan estimate document on XX/XX/XXXX I called the broker, XXXX XXXX, and told him that we wished to increase the amount of our down payment, and waive the escrow, in order to lower the monthly payment. I asked for a new written estimate, showing these revisions and new closing costs, which he refused to give us. After discussing this with my husband, he emailed Mr. XXXX the next day, XX/XX/XXXX, and reiterated the request, and asked for the rate to be locked in, at the quoted amount of XXXX. Again, Mr. XXXX insisted that written revisions were not necessary, that he had taken care of everything. On XX/XX/XXXX, six days before our scheduled closing, we received a new loan estimate, which still included the escrow, and a letter of changed circumstances, which indicated an increased rate of 5 %, due to the fact that we had failed to lock in the rate. When we telephoned him, and reminded him that we had made the request, he denied it, and said that he had made numerous attempts to get us to lock in, which was not true. The lock agreement which he included with the revised estimate was the first we had ever seen for the {$190000.00} loan that they had approved for us. He insisted we must sign the incorrect estimate document in order to close on time. We tried to pursue this with other loan officers, XXXX XXXX, and her supervisor, Market Leader XXXX XXXX, to no avail. Even when we presented them with the XX/XX/XXXX email request, they insisted that the lock agreement that was part of the application, even though it was not for the loan we received, was the overriding document. We feel that this was no more than a bait and switch. The email in question explicitly asks for the rate to be locked in, yet they insisted on calling it a request for rate information. 

We have already forwarded copies of the relevant emails to the company, and they are in possession of all loan documents, and choose to interpret them to their own advantage, which is why we have contacted your bureau for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX granted me credit on XX/XX/2016 with a balance of {$17000.00}. The card was maxed out. The Creditor closed my account and the total balance of {$17000.00} was paid in full. The account still states on my credit report as paid account but delinquent. The account was never delinquent and it was paid in full. This needs to be updated as just paid in full account.
Product: Mortgage

I am not the actual borrower. I am a loan officer at another company. I have had many customers come to me very confused about the mortgage application process. These customers have come from a different company, Specifically All Western Mortgage. These customers had been dealing with a " loan consultant '' that was actually a former loan officer whose license was taken away by the court. Not only was this loan consultant discussing all aspects of the loans, exactly functioning as a licensed loan officer, He also was requiring {$800.00} upfront to begin the loan process. Ostensibly the {$800.00} was to lock the rate on the loan, however the customers had n't even picked out a house, much less had a sales contract. Just how many people this company has ripped off i ca n't say, but I have had more than one customer tell me their stories about them. It is a shame that they are still allowed to do business.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to TransUnion not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable. I Have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the Better business Bureau in regards to the violation of my rights by XXXX as well as damages caused by these " errors ''. Information for this account has not been verified as it is inaccurate/Inconsistent and possibly from someone ELSE 's account which is why this account must be removed please. The account in question is XXXX Account # XXXX
Product: Debt collection

RADIUS GLOBAL SOLUTION Reported a debt regarding XXXX to the credit bureu and it has drastically reduced my credit rating. I was never contacted and the debt is not mine. I reported it to them and to the cedit bureu.
Product: Mortgage

In XXXX of this year, I knew I was getting very close to the 80 % LTV to terminate PMI payments on my mortgage. I contacted the servicer and filled out the form, made an additional {$11.00} payment in early XXXX to get to their requested value and paid a {$120.00} certification fee to have the PMI removed. I had two phone conversations that indicated that I had made the necessary steps. Nothing happened. In XXXX, I reached out to the servicer again. They indicated that I needed to submit the form again, which I did, but now two months later nothing has happened. I believe now that I am well below the 78 % LTV to require automatic termination of my PMI, yet nothing has happened to my claim since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXXXXXX XXXX XXXX DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXX AND TRANSUNION, XXXX, XXXX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX XXXX  CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND TRANSUNION, XXXX, XXXX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX XXXX  IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON. 

THE AMOUNT IS {$1100.00} ITS ALSO REPORTING MY CREDIT PROFILE AS DELINQUENT, ALSO REPORTING FALSE LATE PAYMENTS ALSO REPORTING AS A CHARGE OFF INCORECTLY AS IT WAS A FRAUD ACCOUNT. THEY ARE CAUSING MY SCORE TO DROP AND MY PROFILE TO BE INACURATE AND DELINQUENT.
Product: Debt collection

XXXX XXXX XXXX  I sent a Notice of Dispute letter to Hillcrest Davidson & Associates LLC to date the company has not responded to my request and according to FDCPA 807 ( A ) this company is clearly in violation to the law. It is their duty by law to report my dispute of this alleged debt they are attempting to collect from me to the Credit Bureaus on my behalf indicating this alleged debt is in dispute, I have proof they have not performed under the law.
Product: Debt collection

Professional services sent a me a letter demanding payment of XXXX I sent a Debt validation letter on XX/XX/2021 certified mail. I didn't obtain nothing, but they kept calling and sending me threatening letters about league action, in my Debt validation letter I reminded them that under the fair credit act I was requesting that no contact should be made, I gave them 30 days.
Product: Consumer Loan

THERE ARE INQUIRES ON MY CREDIT REPORT THATS NOT MINE
Product: Payday loan, title loan, or personal loan

Working with this company to try to help consolidate student loan debt. They were a 3rd party loan collection agency that said they will work with my federal student loan servicer. They were collecting payments during XXXX, XXXX, XXXX of 2019. Come to find out they were scamming people and not working with any federal loan servicers I had loans with. They took close to 800.00 $ of my money by account withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Note : not sure if this is correct section to send this to -- as it involves both a credit card company and credit reporting services -- - but if not please either forward or let me know so i can redirect. Thanks. ) I discovered that XXXX, specifically XXXX credit card/ XXXX XXXX card ( acct ending in XXXX ) WITHOUT AUTHORIZATION OR NOTIFICATION, starting in XX/XX/2018, switched my billing to " e-billing '' and additionally were using an old email address that has not been in use for some 10 years. Without authorization, they ceased sending paper bills ( which they had been sending since the account was opened many years ago ). 
I discovered this when I received TWO outside credit monitoring reports showing that XXXX had reported my account as delinquent to TransUnion, XXXX and to XXXX, resulting in damage to my credit rating. 
They also charged me two months worth of late fees 9 $ XXXX/mo ) which they have reversed. 
On TWO separate phone calls when i demanded to speak to someone who would notify the credit reporting companies of their unauthorized action and provide me with copies of the communication sent by them, they disconnected the call. 
I therefore demand that XXXX communicate immediately with all three credit reporting companies, see that the negative information is rescinded and provide me with proof thereof. 
The unauthorized nature of their action that caused the problem is self-evident. Not only were they NEVER authorized to switch to e-billing but it is patently absurd that I would ever have provided them with an old, unmonitored email address. 
Thank you for your attention to this matter.