23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation regarding XXXX inquiry on my credit file that is being reported erroneously. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Risk Management Solutions has an email address listed for me on their Person Search feature that does not belong to me. 

This address is associated with an ID theft issue from several years ago and is a know scam address. 

I have asked them several times to remove this address but they refuse to take it off my file and it is now causing me issues since the address is associated with Spam and illegal activities. 

They are causing me harm by refusing to remove the address. 

The address is XXXX I have never used that address and it should not be listed as belonging to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a compliant on XX/XX/2020 against XXXX XXXX  XXXX for putting info on my experian credit report that was previously removed. It appears they are resurrecting this old chargeoff to hurt my credit score.
Product: Credit reporting or other personal consumer reports

I went to the XXXX XXXX dealership for an appointment but I got greeted by the front desk person and another sales agent but it wasnt with the sales I had an appointment with but from my understanding I signed up with credit program that already approved me or to help me get approved or with my low credit score.
Product: Credit card

Since XXXX, I have repeatedly attempted to access my XXXX XXXX credit card account to make payments. This issue arose after XXXX XXXX financing transitioned to TD Bank, resulting in account restrictions following the merger. Consequently, my payment history has significantly impacted my credit score, and despite my efforts, I have been unable to contact customer service to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was buying a XXXX XXXX XXXX, had full coverage also DAC, Car was totalled insurance company paid. XXXX Dac paid XXXX account was paid in full. XXXX XXXX XXXX Shows a XXXX XXXX XXXX. Wrong model and reported I still owe XXXX on car plus over XXXX in intrest. I've tried working with them to correct this and remove from my credit report and have had no help in removing. The information they filed is incorrect the value of the XXXX XXXX XXXX that I owned was paid. There was no XXXX XXXX XXXX   ever owned by me their information is incorrect and false. Please help remove this from my report. The insurance co was XXXX claim # XXXX. Paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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 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 Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : 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 : 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: Mortgage

This is my second complaint against LoanCare. You provided me with a letter stating that you had contacted LoanCare regarding my first complaint. The information they gave you is inaccurate. This I can address at a different time. They stated to you that they would reimburse penalties for late taxes because the late taxes were due to their error. They requested that I submit proof that I paid the taxes and the penalties. I did so, by email on XX/XX/2018. I sent follow up emails on XX/XX/2018 and XX/XX/2018. I still haven't received my reimbursement, nor any contact from LoanCare. The amount that is due is XXXX.
Product: Payday loan, title loan, or personal loan

Applied for a loan with Barclay bank back on XX/XX/2018. Subsequently, I was approved and granted a loan several days later. The details of the loan as specified on the contract are disclosed on the attached contract. However, it's fair to mentioned that the interest rate I agreed to is 12.99 %. However, based on the current status the company has been charging an interest rate twice as high. Considering once again the current status of the loan which I will provide a current statement of. In any case, as of today, after having paid the first payment in the sum of {$200.00}. My loan is showing a balance of {$7400.00} which is much more higher than the interest agreed to and the conditions set forward by the loan. 
Considering once the loan amount to has been {$7500.00} at a 12.99 % interest rate.
Product: Mortgage

Today 's date is XX/XX/XXXX @ XXXX. I am currently on the phone with a Mr. Cooper representative to address the status of our request for a reasonable modification of our loan. We have made three trial payments, but as yet have not come to an agreeable, acceptable modification. We have also questioned why there are arrearages totaling $ XXXX. Please explain where this came from ... ... furthermore, modification letters revealed the interest rate is not adjustable and subject to change. WE ARE ONLY INTERESTED in a fixed rate, preferably lower than 6.85 %. 

Addition comments made via email to XXXX XXXX : I have received the documents that were included in your previous email to me. As of today, I have spoken with a supervisor in the modification/ligation area or financial assistance to help explain those documents and answer remaining questions. We have noticed there is an arrearage ( accumulations of payments ) on our loan. Could you please explain this? For informational purposes, I have included a pdf of payments that were applied to the account and deemed complete and current after our bankruptcy in XXXX. 
Further, we have questioned the interest on our loan during modification request and was told a mistake was made in offering a 3.86 interest.
Product: Mortgage

SPECIALIZED LOAN SERVICING has changed the terms of my HELOC, choosing to sell my personal information to non-affiliates. SLS declares that our Total Monthly Payment is roughly {$52.00} per month, for XXXX it is {$52.00}. When SLS assumed control of of our HELOC XXXX XXXX, 2015, I called to discuss my loan terms. I stated that we would send the monthly payment they required by mail, but I did not want a continued ACH draft against our checking account. I also disputed their freedom to share my personal information with non-affiliates. 

My bank is unable to determine which institution is drawing {$100.00} per month, and offered to charge-back the ACH which has occurred XXXX times. SLS now asserts their right to those funds, issuing a Mortgage Delinquency Notice on XXXX/XXXX/15. 

I recognize my indebtedness to SLS, but find their threats to adversely impact my refinance process to be reprehensible. Their report of a Mortgage Deficiency already appears to have impacted our credit score. 

I sought opportunity to refinance my mortgage and HELOC with XXXX to no avail. XXXX assigned XXXX ( XXXX XXXX XXXX ) to service my HELOC in the past. None of their past phone numbers are functional, and SLS provides only a contact with XXXX Bank, which has no information on my HELOC or any other account. 

I have asserted my intent to pay off the debt that SLS claims through a refinance. SLS 's actions threaten to accelerate payments or demand payment in full on the HELOC. They reject the possibility of refinancing just the HELOC. A neighbor succeeded in accomplishing this with a different servicer, so I know it is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} GENERAL REV XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX Bank Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card I looked at my Equifax credit report XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit report act 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 according to XXXX XXXX XXXX ( XXXX ) ( b ). According to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to XXXX usc XXXX they are suppose to not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This account was closed last year. I sent a letter and money order to CEO, for account deletion. On XX/XX/XXXX I pulled my credit report and saw that I had a balance left with XXXX XXXX XXXX in the amount of {$160.00} which was what reflected on my credit report. On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with XXXX whom informed me that any correspondence would need to go to the Office of Compliance at XXXX. XXXX XXXX, XXXX XXXX, TN with attention to the Office of the CEO. I wrote a three paged letter explaining the reasoning as to why I fell behind, and asked that if the account was paid in full according to what is being reported with the credit bureaus that the account be deleted from all three burueas. I also wrote directly on the money order number XXXX that in cashing this money order you consider this account paid in full and agree to remove the account from all three credit bureaus ( XXXX, XXXX, XXXX ). As of today XX/XX/XXXX I contacted First Progress as to the status of the agreement and was informed by XXXX and XXXX XXXX that my payment was accepted and processed on XX/XX/XXXX. However, the company did not remove the account and on XX/XX/XXXX at XXXX XXXX reported the account to my credit as negative, with a XXXX balance. I am requesting that the company comply with the agreement that was set forth in the letter and on the money order that they processed and delete the accounts.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I transferred {$45000.00} from my account ending in XXXX to pay {$47000.00} down my XXXX balance. As of XX/XX/2022 that money has still not been credited to my account. It was an internal transfer, both accounts were at US Bank. 

It was from funds available. I no longer have access to the money, in either account, and it is causing me financial issues with other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3700.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a Citi Bank Card for years and haven't had any problems, in the last two months I've had to Cancel my card twice.

I keep getting fraudulent charges on my card, it seems to go thru, I asked the Credit Card Company what I can do to prevent it and really didn't get my answer. I know it's hard to stop this stuff but twice in two months? And then I have to wait on another Card, I know it takes time to send them out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent collection reporting on my credit report. I already disputed and reported this fraudulent account directly to XXXX and provided them the police reported dated on XX/XX/year>, which they deleted the fraudulent account from all three of my credit reports. However, after reviewing my credit, I was very frustrated when I saw that there was a collections account being reported on my credit that charge on my account in the amount of {$740.00}. 

I was a victim of identity theft, and those XXXX charges did not belong to me. Please see the enclosed police report, dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed an ftc report and faxed it over to XXXX  and transunion due to the fact that i am a victim of identity theft. XXXX  and transunion did not respond properly as i have listed the inquiries that was listed on the report as which is on the ftc report. there still there in i find this as a violation and stress due to not having my rights taken seriously ... 

I checked my report and discover inquiries that doesn't belong to me which is fraudulent inquiries. The inquires are 1.XXXX XXXX XXXX 2.XXXX XXXX-XXXX  3.XXXX XXXX XXXX 4. XXXX please XXXX  and transunion remove this information that isnt mind i didnt give anyone perimission to authorize inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported to credit bureaus without my consent. I gave consent to XXXXXXXX XXXX but nowhere on the contract does it states that they permission to rep ort to anyone. It clearly states on the document that XXXXXXXX XXXX provided that XXXXXXXX XXXX has permission.
Product: Payday loan, title loan, personal loan, or advance loan

I'm a member of the XXXX XXXX XXXX XXXX under federal orders. I expected SCRA benefits and SOFI denied without explanation.
Product: Student loan

Heartland ECSI keeps rejecting my documents to receive loan cancellation and deferment for being a Special Education teacher in a title 1 district. I have held this full time position since XX/XX/XXXX. 
On XX/XX/XXXX I submitted the forms with a letter from my principal to have my loan cancelled and deferred and it was rejected. I called Heartland ECSI to ask why and they said to have my principal add the dates that I have been employed. On XX/XX/XXXX I submitted the forms again with my principals letter and they were rejected. I called again and they said to have add a paragraph about what my job is. On XX/XX/XXXX I submitted to have my loan put on forebearance until I can get another letter from my principal. My school has been virtual since XX/XX/XXXX and its been extremely hard to get paperwork from my principal. I dont understand why I needed to have a letter from my principal in the first place, she filled out the entire form for me stating that I am a teacher at her school. Why were my original documents rejected?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$3000.00}. Please remove.
Product: Mortgage

I have Asserted my FDCPA rights by previously filing complaints requesting SELECT PORTFOLIO SERVICES, INC to provide validation reference account number : XXXX. I acknowledge receipt of their latest correspondence which was dated XX/XX/2020. In their correspondence they listed information regarding a trustee, mortgage back notes and a servicer and also stated that ownership status may change from time to time however they provided no evidence of chain of title, authorization to service new owners etc From their correspondence : It is unclear if I was granted a mortgage because a trustee is involved It is unclear if this is a mortgage because mortgage back notes fall under securities and any note that has a maturity that exceeds 9 months becomes a security which is security fraud on the face of it Furthermore, when my signature went on the paper, it became wagering money and wagering money contract has to be settled at the end of 3 years SELECT PORTFOLIO SERVICES, INC never responded to the request of validation.
Product: Checking or savings account

I was charged XXXX dollars for something that I did not buy
Product: Credit reporting or other personal consumer reports

Subject : Correction Request for Personal Information on Credit Report Dear CFPB, I am writing to address significant inaccuracies in my personal information on my credit report. The following details should be corrected as follows : 1. **Name : ** XXXX XXXX XXXX 2. **Address : ** XXXX XXXX XXXX , XXXX , MI XXXX 3. **Date of Birth : ** XX/XX/ The current information on my credit report regarding my name, address, and date of birth is incorrect. I kindly request the immediate removal of these inaccuracies from my credit report, as they are impacting my ability to secure financial opportunities. 

Your prompt attention to this matter is greatly appreciated, and I anticipate swift resolution. 

Sincerely, XXXX XXXX XXXX