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

As per the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. XXXX, Transunion and XXXX function as consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains undisclosed, as supported by 15 USC 6801. This statute declares the Congress 's policy that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of their customers ' nonpublic personal information.

The entity providing information to credit agencies, considered a financial institution under this title, is governed by 15 USC 1681, section 604a ( 2 ). This section specifies that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the respective consumer. To emphasize, the financial institution and the consumer reporting agencies, XXXX, Transunion and XXXX, lack my consent and written authorization to disclose this information. 

Referencing 15 USC 6802 ( b ) ( c ), it is stated that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. Unfortunately, the entity providing information to credit agencies failed to inform me of my right to exercise this option. Furthermore these institutions have been given notice of me exercising said option of nondisclosure.

Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. The adverse item being reported without my consent violates this law, as does 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), which prohibits furnishing inaccurate information to consumer reporting agencies.

Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes. XXXX, Transunion and XXXX appear to be falling short in maintaining these reasonable procedures as these accounts have been disputed with each of them multiple times.

Also, 15 U.S. Code 1681c states that Except as authorized under subsection ( b ), 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.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed this account due to serious errors in reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I paid this company {$290.00} for a {$200.00} loan already back in XXXX of 2013, i transferred my job to a different Location in Virginia and lived in XXXX Virginia areas. They kept calling me and i told them stop it and paid them with my tax refund that year in 2013 and they're just harrassment in my emails and all. I lost my job due to covid19 and I refuse to pay them again. I don't have documents because I moved to many times. It has now negatively affected my credit reports and scores. I just want them to stop it!
Product: Debt collection

On XX/XX/2022, Affirm Inc was contacted regarding the proof of identity theft and unauthorized usage of personal information. XX/XX/2022, was sent via certified mail an FTC Report, along with documented proof via email communications betwixt me XXXX XXXX, and the Response teams of XXXX XXXX XXXX and XXXX Tuning ( See the attached email communications ). Affirm Inc responded via email after receiving said proof on XX/XX/2022, that I, XXXX XXXX is still responsible for the debt. So in following the steps pursuant to my FTC Report after multiple failed attempts to resolve this issue, I now, unfortunately, must file this complaint. 

XXXXXXXX XXXXXXXX XXXX XXXX ) Loan ID : XXXX, XXXX Response from Merchant : Only Affirm Inc or a police officer can request the receipt information regarding the order ( XXXX ) due to business policy Regarding Loan ID : XXXX, there are no records of existence, according to the merchant XXXX XXXX XXXX XXXX XXXX ) Loan ID : XXXX Response XXXX Merchant : The billing and shipping information was provided, See attached information XXXX XXXX XXXX XXXX ) Loan ID : XXXX Response from Merchant : The name purchaser name and address was provided, See attached information
Product: Student loan

I am in the process of applying for a mortgage and needed an official document saying what my monthly payments would be under an IDR plan because I am currently in school and so payment is showing as {$0.00}. I contacted my loan servicer, FedLoan, on XXXX to ask them how to get this. On XXXX, I submitted a request for IDR through studentloan.gov because I was advised by someone else that this would be sufficient for this process. The automatic email response that I received said Thank you for submitting an Income-Driven Repayment plan request. You may receive additional emails regarding the status of this request. At any time you can view real time status updates, make a payment and more through your online account at MyFedLoan.org/signin. Once your request has been processed, we will send a communication advising of the outcome. I did not provide paystubs or anything to verify my income, and I indicated in the application that my salary had decreased since last year, which means my tax information for last year should not be used. 

I did not check on the status immediately, but the first time that I did it said that they would review my request and I would receive a follow up email by XXXX. An entire month seems like a long time for what should be a very standard request and process for a student loan servicer, but I made sure to do this early to account for delays. The next time I checked the automated system, it said I would receive a response by XXXX. Not ideal, but still reasonable. The next time I checked on XXXX, it said XXXX. 

On XXXX, I submitted another inquiry through the online system saying that I expected a response by the first date I saw, XXXX. On XXXX, I received a response to my original inquiry through the online system a month earlier that said A request has been submitted to have the requested document sent to the email address on file. Please allow 5-10 business days to receive this requested information. We received your request for an XXXXncome-Driven Repayment ( IDR ) plan on XXXX XXXX. Once your request is processed, we will send you a notice with the results. I responded that I have not provided income documentation that would allow them to calculate income based repayments and have not received a response. I have checked the online system each day since, and each day their deadline for responding has been extended by one day. I am unable to get in touch with anyone on the phone because their automated system just tells me I will receive a response by this ever changing deadline. 

I am currently stuck in purgatory because of FedLoans failure to perform a basic service and can not proceed with the mortgage process. I do not even have a reasonable date for when I will be able to because FedLoans deadline keeps changing with every day they fail to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on XX/XX/XXXX which is being reflected on my account but Nelnet wouldnt report the payment and the lower loan balance to the credit bureaus. I have disputed the details of my account and they still did not correct it.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Payday loan, title loan, or personal loan

I applied for loan back on    XXXX   XXXX  2017  I  was told that I was denied due to my   XXXX   score being low. I then called and ask what is the score requirement to be approved. I was then told that your score  XXXX  score should be  XXXX . Then I ask the rep what was my score showing in then say  XXXX . So he then say I can contact the company   XXXX   to try in get my score up and then reapply within 30days. So I contact   XXXX   to start the process to get my score up. So today    XXXX   XXXX     2017  my  XXXX  score is  XXXX . Which way pass the company requirement to get approve for a loan. So I reapply for a loan on today  XXXX .17 I was today I was approved for  XXXX . And the only thing I have to do was submit 3 months of bank statements. Once I submitted the bank statement I was told that I was denied. So I then ask why he rep told me that I would have write them a letter to get a statement of why I was denied. So then ask the rep what was my   XXXX   score she then state that my score was  XXXX  and the company requirement score is  XXXX . So at this point I am  XXXX  because why would the company tell me I am approved at first. And then ask for all my personal information just tell me I am not approved This company is a scam!
Product: Credit reporting or other personal consumer reports

Loan care stated they received mortgage payment XXXX we stated the money was never taken and they in fact noted on the account was paid only to find out they never took the payment til XX/XX/XXXX even though on the system it was paid and noted on the account
Product: Debt collection

I HAVE BEEN CONTACTING EOS FOR YEARS TRYING TO HAVE THEM MAIL ME DEBT VALIDATION. THEY CONTINUE TO MAIL ME A BILL. ANYONE CAN GET A BILL IN SOMEONE ELSE 'S NAME. I NEED THEM TO SEND ME THE ACTUAL CONTRACT THAT HAS MY HANDWRITTEN SIGNATURE ON IT. EOS/CCA REFUSES TO DO THIS.
Product: Mortgage

SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/XXXX. SPS spent 3 months using purposeful miscommunication and 'misplacing ' documents as a way to delay decisioning on the file in an attempt to defraud their investor in order to collect their 'double-fee ' for servicing a defaulted loan. 

On XXXX we were told the value came back at XXXX and refused to give a counter amount. 

On XXXX we sent a counter offer and contractor bids for the value dispute. 

On XXXX SPS decided they will no longer accept contractor bids for the value dispute and they require a BPO or appraisal for value disputes. 

SPS then started their second round of delaying tactics - purposeful miscommunication and 'misplacing ' documents. Requesting XXXX version of a form, and then the next week requiring something different. They also started requesting documents that had been sent to them over 4 months prior. 

These delay tactics have been going on for FOUR MONTHS. 
Today, we found out that the file was closed out on XXXX/XXXX/XXXX. NO ONE INFORMED US WHEN WE TALKED TO THEM ON XXXX/XXXX/XXXX. 

This is nothing but gross incompetence and delay tactics on SPS 's part.
Product: Vehicle loan or lease

I asked that my payment be no more than XXXX XXXX monthly ( which I was paying ) when All reality they put my payments at XXXX XXXX  monthly!!! like oh Nooooooo interest rate was XXXX XXXX
Product: Mortgage

Undoubtedly mortgage refinancing solely to take advantage of lower interest rates is of unquestionable benefit to consumers who are currently paying high interests rates on their mortgages. However, this probable benefit is greatly diminished, and in some cases practically eliminated, by the puzzling practice of banks to consider this type of refinancing as brand new loans with all its inherent high costs. 

Other than the change in the rate of the promissory note and its corresponding recording, on an existing mortgage there is n't absolutely any consequence to the collateral held by the bank, favorable or unfavorable. The BCFP should ask ; why all the charges associated with a brand new loan? 

It is not surprising that banks actively promote the refinancing of mortgage loans..
Product: Debt collection

I received a notification of a debt that I do not recognize.

I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation.

Additionally, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to my credit report, the account in question is as follows : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX   XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made report of identity theft to law enforcement dated XX/XX/2021 police report number XXXX. Identified on this report were seven ( 7 ) counts of collections reported fraudulently on my personal XXXX and EQUIFAX credit bureau reports. 

On XX/XX/2021 I certified mailed to all three bureaus a copy of the official police report, three forms of official picture identification, proof of address, my social security number, and a letter noticing the bureaus of documented fraud and identity theft. 

Previous fraud alerts and FEDERAL TRADE COMMISION affidavits of identity theft existed on my credit reports. I requested that the fraudulent derogatory entries listed in the police report be removed. 

In violation of applicable laws to include FCRA violations, XXXX  and EQUIFAX replied to me in writing stating that they would treating my identity theft matter as an informational dispute as, according to FCRA regulations, I did not include a police report.
Product: Credit card or prepaid card

XXXX XXXX and XXXXXXXX XXXX- as well as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX XXXX comenity and others are actively extorting me and my ruined credit files from an unauthorized unlaful eviction in 2015. My credit, name, reputation, and personal files- now protected by law for deletion after two years- ( because deletion of other info prevents credit issuance and scoring ) are making any credit application impossible. The three major bureaus are feeding this extortion and acting like the XXXX XXXX  with my credit files- and despite statements PLAY A SERIOUS ROLE IN THIS EXTORTION. 

I have been denied a VA LOAN several times, over 20 credit cards, my info is blacklisted with some of these companies, I can not get XXXX care or pet care. THIS IS EXTORTION. IT STOPS IMMEADIATELY. I DEMAND NEW CREDIT AND FULL SCORING DATA! excuses like nothing is available are legal runaround for failing to release lawful scoring data- which in fact exists. GO FIND A BACKUP TAPE.
Product: Debt collection

Got a bill from credit collection agency called to dispute the amount. They added {$100.00} to the bill. The original amount being {$550.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

There is NO RECORDED ASSIGNMENT OF MORTGAGE on my deed/propertysee attachments Loan No : XXXX MERS MIN NUMBER : XXXX 1 ) I advised servicer* I am aware XXXX XXXX SOLUTIONS & XXXX XXXX, is the Trustee on my DEED OF TRUST. 
XXXX 2 ) I requested who is the Trustee, full address, city, state, and zip code on my Promissory NOTE. I have yet to hear back from them.
Product: Mortgage

I have {$590.00} extra in my escrow account after my taxes have been paid. I have asked for that to be refunded and they refused to refund it. They told me they would do another analysis but so far have not done this. 

Refund of the {$590.00}. 
Re-evaluation of what the escrow payment should be based on this year 's tax bill, because the same thing will likely happen next year, although in a lesser amount. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXXXXXX XXXX account number is XXXX Loan Servicer - Select Portfolio Servicing Inc . 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated XXXX XXXX XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX and XX/XX/2023 Bank of America pulled my credit reports and I never gave the finance institute consent to retrieve my credit files or reports. These inquiries are unauthorized, someone is using my information illegally for financial gain and needs to be removed from my files. I have been in contact with the institute and my calls and letters has been unsuccessful. These inquiries are not factual and I never applies.
Product: Student loan

I am paying about {$210.00} a month on auto pay across all of my student loans. For 30 days of interest via amount is about {$180.00} however over {$200.00} each month is going to interest even though Im paying via auto charge every month on the same day. No one can explain to me what the payment allocation is and why more money is going to interest than it should be, the last couple of months only XXXX to XXXX dollars is going to principal which feels incorrect. I also am unable to view that I am receiving the interest rate reduction for being on auto charge payments