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

I ask that you guys correct and fix This company is reporting wrong information someone added me onto this loan with an address Im not affiliated with a Date of birth on the loan that isnt mine. A co signer on the loan that I dont know anything about. I ask this matter get fixed and report this to the bureau correctly deleted it shouldnt be on my account as the car isnt mine all this need to get took care. The date of birth the address and the co signer dont have anything to do with me Im not aware of it. I filed a police report reporting this issue of my things being stolen I will also file on you guys for allowing someone to get a car under my name with different date of birth and address and co signer if this matter isnt fixed and delete I will file At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC. IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX
Product: Credit card or prepaid card

I received notice that a charge was attempted on my account. I notified the company using their available methods but they refuse to assist in this matter.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.
Product: Debt collection

Please review my credit report. I noticed the creditors are not cooperating with the request I need for my credit.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$190.00} XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX FACTUAL DATA ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX 2023
Product: Student loan

I am writing to formally file a complaint against Mohela, my federal student loan servicer, for what I believe to be improper and potentially unlawful payment processing practices. 

I have attempted to make payments toward my federal student loans, specifying amounts for individual loans. This has happened over several months of payment but the most recent was today XX/XX/XXXX. However, Mohela is altering my payment allocations without my consent, preventing me from applying my payments as intended. I understand that this issue has been raised in the past, and I am concerned that their current practices may still be in violation of federal student loan servicing regulations. 

Issue Details : Loan Servicer : Mohela Loan Type : Federal student loans Problem Encountered : When I attempt to allocate specific payment amounts to each loan, Mohela overrides my instructions and redistributes the payments differently. 
This prevents me from managing my loans effectively, potentially causing unintended interest accrual or delays in my repayment strategy. 

I have a recording of me attempting to pay the individual loan allocation and the platform not allowing me to allocate individual payment amounts and it auto resetting that I can provide.
Product: Debt collection

Ronald H Reynolds replied back to the CFPB on XX/XX/18 Complaint number XXXX with he by his own words stated he mail out information. Ronald H Reynolds tells one lie after another lie even with his own letter sign by him stating the creditor called the account back as to XX/XX/2018. If your not on the account and the creditor called the account back why are you responding back as your solving the issue when by your own words is not the attorney and on your letter you clearly stated the attorney that will be doing the case. Ronald H Reynolds needs to stop contacting me being he is not on the case and the creditor has called the case back. please stop telling lies and playing games. It appears to me your hard up for money and one lie after another.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX Trans Union Attn : Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX : Letter of Authorization Dear Sir/Madam, I, XXXX XXXX , residing at XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX hereby issue this formal authorization to Trans Union to remove the following inquiries from my credit report : Inquiries : Date : - XXXXXXXX XXXX XXXXXX/XX/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  I have recently communicated with a representative from Trans Union who has provided guidance on the necessary procedures for such requests. 

I request that immediate action be taken to remove these inquiries from my credit report to ensure its accuracy and integrity. 

Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened up a checking bank account with Bank of America online with one of there representatives doing it for me on the phone. In saying so I opened the account to cash my second stimulus check back on XXXX XXXX. Im saying so my account got fraud at no expense of my own but theres. Everything matched up and they even sent the check through and it cleared the same day before my account was shut down. I went to the bank the same day and talked to them and even opened a new account because the funds was suppose to be transferred to the new account the following day. That never happened And even sent a check out to me without my permission and without me knowing. I havent got that check because of that snow storm that hit XXXX, ok in XXXX. So now they are saying I have to wait 120 days to get my stimulus check in which they arent supposed to hold.Ive been calling them every since then and get a different answer every time anyway to sue them this is hurting me and my family. 700 $ they got of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

on XXXX XXXX at at approximately XXXX hours I called miland credit mangment at q about a item on my credit report.Their representative inform me that he could not verify the debt until I pay {$1.00} and that he need a credit card to place the dollar on it. At which time I informed him I never heard of a company charging for a validation letter. I than end the call and look up my right a consumer.
Product: Student loan

I am unable to have access to IDR options to submit a request to be put on this type of repayment plan. I have spoken with members of the Department of Education as well as trying to get ahold of EdFinancial and have been unable to resolve the issue. I have also contacted XXXX and the counselors there as well as the tech team have been unable to help me. I can not afford ~ $ 2k monthly, and I need to get on an IDR plan. I am trying to do the right thing, and its frustrating to hit this road block without support.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to fair credit act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 6 a right to privacy section 604 a section 2 I did not give written permission
Product: Vehicle loan or lease

I needed a car to get Transport my family, now I have it. But my bank that gave me the loan gave me an interest rate of XXXX and I feel that it is too high. The bank is American Credit Acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 3 months XXXX, XXXX XXXX, and XXXX and creditors have been having abusive reporting reporting on accounts more than one time a month. My credit profile is being abused because of my XXXX name. I have white colleagues and counterparts who has shared their credit profiles with me with very similar credit backgrounds or worse and their creit scores are reflecting higher with minimal credit history established. I am reporting because I believe my race based upon my XXXX name is influencing my credit fluctuations and the reason why Im receiving credit abuse
Product: Checking or savings account

i was charged {$87.00} for return check fee. I spoke to a rep at Navy federal about the 1st {$29.00} fee. it was return on XX/XX/XXXX and then the company charge {$29.00} again. The rep stated the she would credit the fee back and never did. Now I have 2 more fees because the bank does not want to take the money from my other bank account. But the computer takes money when i have a bill to pay that belong to the bank.
Product: Debt collection

I got a letter from XXXX XXXX XXXX stating I owe on a XXXX account in which the account number does not match my credit report for XXXX. They are saying I made a payment in 2012 in which I did not. My XXXX account has been paid off as agreed and now the attorney wants proof of that. But they have a different account number. I do n't understand I think its fraudulent. The balances from both accounts are similar but they do n't even match. The attorney is sending me a dispute packet. They have submitted court documents also ... this is n't fair.
Product: Mortgage

This is a second complaint. The first complaint was filed in XXXX of XXXX. The previous complaint number was XXXX. This previous complaint was closed with Fay Servicing agreeing to reduce my payments to {$2000.00} and stating that the 24 % default interest they attempted to collect from me was in error. After we reached the agreement stated above, I made every single monthly payment to Fay Servicing, ranging from $ XXXX {$2200.00} every month on or before my due date on XXXX of the month. Fay Servicing put these funds I sent them, in an " unapplied fund '' and proceeded send me into foreclosure in XX/XX/XXXX. They are currently sitting on {$12000.00} in mortgage payments I have made as " unapplied funds. '' They are still attempting to still collect 24 % default interest, even though they replied to in the previous complaint that this was a mistake and acknowledged that they are not entitled to this default interest. They have also refused to reply to my lawyer repeatedly, saying I signed away my RESPA rights. The loan documents I signed were FHA docs. There is a 2 page rider, which the loan originator said was supplementary due to the rental units on the property. They are basing their denial of my RESPA rights on the supplementary rider, even though its clauses go in direct opposition to everything that is stated in the actual FHA mortgage docs preceding it. Furthermore, there is nothing in the loan documents or the supplementary rider that entitles them to 24 % default interest. I have had to hire a second lawyer to handle the foreclosure, on top of the payments which I have sent them. They completely ignored any corresponded or demand from the first lawyer, who attempted over 6 months to get them to redo the escrow, apply funds and avoid foreclosure. On the date of our first court hearing for the foreclosure, Fay Servicing sent me the attached letter saying that I had qualified for a deferment. When asked to put the deferment terms in writing, they have refused repeatedly. On Monday, XXXX XXXX, who is my point of contact and to whom all my calls get directed stated that the deferment agreement is that I pay them {$27000.00}, which includes default interest of {$16000.00} in five installments. This is on top of the {$12000.00} which they have collected from me and put into an unapplied account. 
XXXX also refuses to give any license number, which I believe is necessary for Fay to be a loan servicer in IL. This should be a number provided by IL Department of Financial and Professional Regulation. She says she doesn't need this number because Fay didn't originate the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report :XX/XX/XXXX
Product: Student loan

The company is refusing to drop my co-signer. I have over 700 credit score with no negative marks and having been paying my loan on time every month for almost 2 years. They stated that because of the amount of student loan debt I have they can not release my co-signer. I only owe them 12,000. I disputed it in XXXX with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

PENNYMAC LOAN SERVICE ***** Opened XX/XX/2014 Balance {$170000.00} As a consumer, I have legal rights that are given to me to safeguard me from misinformation being announced on my own credit report. By now I need to produce a final demand for inspection before I speak with my lawyer for advice on how to handle inaccurate and unverifiable issues that are continuing to be validated as valid. Be sure you provide me along with a copy of the contract fixed or voice dialogue where I authorized billing me from this account.
Product: Credit reporting or other personal consumer reports

There was a fradulent inquiry placed on my credit by XXXX XXXX as a duplicate on XX/XX/2022. i never authorized these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 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

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX : XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX, XXXX XXXX 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 : Also states a consumer reporting agency can not furnish my account without my written permission.

15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I noticed on my credit report that one main financial has added an inquiry on XX/XX/XXXX. I did not apply for a loan nor request a loan with XXXX XXXX. I attempted to contact the branch. No one picked up the phone.
Product: Debt collection

Sherman and Associates or the Sherman Financial Group keeps calling me, my family, and my place of work. They are stating that they are a law firm that is about to subpeona me to court. They also cussed me out for asking them what company they are with and for asking about the debt they claim I owe. They are calling my job everyday stating they are about to come arrest me or serve me with a subpeona.
Product: Payday loan, title loan, or personal loan

I have several loans out and I'm starting this week to work with a credit consultant agency but everyday and night I walk out of my house and there is at least and not at the same time a car parked in front of my house and it's the same ones I have photos to prove it they come all hours sometimes as late as XXXX XXXX they are scaring me and making me literally sick it's from checks smart, in XXXX ut and XXXX XXXX in XXXX UT, XXXX XXXX in XXXX UT, XXXX XXXX in XXXX, UT obviously I realize I owe these companies because I'm struggling they call me constantly at least 40 calls a day from XXXX XXXX until XXXX and also at work they threaten me with law suits constantly they try and take money out of my account which I have them all locked out they are very rude to deal with and I feel threatened day and night it's affected my health they all tell my co workers that I need to call them back and they all ask for my works hr department which my co-workers will not give them any information they have made me literally sick to were I have had to miss work cause of my health please help me with this.