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

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the accounts. It was opened withtout my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got the loan check in the mail from Personal Finance Company. They mailed a check for loan and all I had to do was sign it and cash it ; which I still have that letter. I paid my payments diligently. Subsequently, Mariner Finance took over this business. I had paid out a money order 2 payments of {$170.00}, which Mariner claimed to have not gotten, which I honestly believe they had the money order. So, they had me to come in to discuss the missed payments. While there I was told about the missing payments and that they didn't receive it. So, I said I was willing to make those payments so that I will have the same payout date. But, the man handling my account was very aggressive as to having to rewrite the account, which I was alright with but I did tell him I wanted the same payout date. I'm filing this complaint as usey because I feel like they are recharging me and I'm again STILL paying a finance charge of {$570.00}. My problem is why after paying on this loan for 5 months previously am I still paying interest of {$570.00}. It just doesn't sit right with me. 
XXXX XXXX XXXX
Product: Mortgage

The mortgage lender I currently have my mortgage with did an escrow analysis and did it incorrectly, causing my mortgage to go up by 30 % ( {$1300.00} more a month ) and with ZERO notice. They claimed I owed {$27000.00} in taxes this year rather than {$13000.00}. They also claimed my escrow account was short by {$4000.00}, which I paid in good faith ( and could barely afford ), before realizing the huge error that had occurred. My mortgage is past due now since I can not pay the high and incorrect amount and I cant get anyone to remedy the mistake. I have emailed and called over thirty times. I attempt to get help from them every single day but only receive robot auto responses. If you call the phone tree takes you in circles. On top of the tax issue, I also requested that they close my escrow acct so I can pay my own taxes properly and without them being a liability and still no one replies. I have confirmed all of this with my county tax collectors office. I do not owe the amount the mortgage company is billing me for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$570.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX XXXX Balance : {$6400.00} ), XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX. ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 
In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 
Please acknowledge that you have received this notice within 10 days. 

Also want to see who the non complaint agency is XXXX continues to say that you have verified the debt as accurate which I know its completely out of line this is your last chance.
Product: Debt collection

My social security number has been stolen and is circulating on the deep web. I have reached out to XXXX   and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for an auto loan and was declined because of a credit score from SageStream LLC with XXXX XXXX. Never heard of SageStream before this and their credit score is almost 200 points lower than XXXX. Who is this company that they can have such an influence in credit approval? The reasons for their decline aside from the credit score are ludicrous. Limited history for consumer at address and phone-have had this address for 5 years same phone number for 25 years, too few revolving accounts, too few bankcard accounts - have banked with same banks for 10 years and have their bank cards. This unknown company should not have the authority to make such credit determinations on anyone. Following research performed it appears that they are a scam consumer credit reporting company and banks using them for said determination appear to be scamming the consumer to inflate rates of interest and cash output. Research also shows that SageStream LLC is involved in numerous consumer lawsuits complaints like this and that complaints likewise have been issued against SageStream with XXXX XXXX XXXX  and FTC which I likewise will be doing myself.
Product: Debt collection

XXXX XXXX ( aka XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX was solicited to install a window wall unit with ( XXXX ) sliding glass doors at my home. During the initial visit, part of the " sales pitch '' was offering 24-months, 0 % financing through GreenSky/XXXX XXXX XXXX. We accepted the XXXX XXXX proposal and decided to move forward with the project. Immediately following the install, we discovered that the wall unit was leaking water from the outside into the living space on the inside. In addition, the wall unit was beginning to break apart XXXX door handles were falling off and the doors were coming off track regularly XXXX. We contacted the installer ( XXXX XXXX ) and reported the issue. We were unsuccessful at getting them to make a repair call until we reached out to the lending institution, GreenSky. Upon multiple attempts to work out a repair plan with both the installer and the lender, we've been unable to get the leaking issue resolved. In fact, the situation continues to worsen and collateral damage is now resulting due to the length of time that the leaking has been going on. A " transcript '' of our communication with GreenSky containing photos has been attached to this dispute. Since GreenSky paid the installer XXXX XXXX XXXX XXXX in full upon XXXX XXXX  request with no communication with us the lendee before making said payment, we now have no " leverage '' to get this resolved other than threatening to not pay on the loan. GreenSky has now reported us to the credit bureau and is attempting to ruin our credit in an effort to " strong arm '' us into paying. We've chosen this path not in an effort to avoid paying, but rather as a way to try and " force the issue '' so that we can get this leaking resolved. In addition, on the back of each GreenSky monthly statement are Dissatisfied Rights outlining our right to not pay if we are unsatisfied with the purchase given that we follow the steps that they have outlined. We have followed this process for over a year with no end in sight. It is our opinion that XXXX XXXX  and GreenSky are mutually beneficial of each other, therefore, neither of them has a want to resolve the issue. Since XXXX XXXX  " sells '' GreenSky as a way to finance a project, why would GreenSky do anything negative that may impact that relationship? GreenSky has now taken to calling us several times a day trying to collect on this debt rather than working with XXXX XXXX to resolve the problem. In fact, my last conversation with GreenSky ended by their representative stating they'll just continue to call until I give in.
Product: Debt collection

Have made previous complaints regarding Portfolio Recovery. 
They received cease & desist order XXXX/XXXX/16. They violated order twice. Today call I missed ans. machine picked up, hang up. 
I called the # back, Phone answered " Thank you for calling Portfolio Recovery, this is an attempt to collect a debt ... an operator will be with you shortly ... '' Spoke with a person named XXXX, advised her that I was recording the call, She informed me that she had no record of my name & ask if I was sure that that this was the phone that I received the call on? She stated that perhaps they were trying to contact someone else ( that is their tactic ) they always ask for someone other than myself ) I informed her that this was the 2nd violation since cease & desist order was in place & to take me off their list, also that I would file report w/ CFPB. Have also filed complaint w/ " Do Not Call Registry '' Since they have no record of me, it is not a debt collect. This is Phone harassment that must not continue! I keep a phone log of my calls & have a sound file of last conversation. The # I was called from was XXXX. Reporting these violations alone does not seem capable of stopping them, they are breaking the law not only w/ me but other consumers across the US ? Stronger enforcement is needed. I plan to seek an attorney to represent me in this matter. Here I am again one more complaint filed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair act credit reporting.The list of accounts below has violated my federally protected consumer report privacy and confidentially under 15 USC 1681.Account # XXXX XXXX XXXX XXXX and account # XXXX. XXXX5 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 finding items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquiries on my credit report that I did not authorize and 1 open personal loan account that I did not apply for.

The 3 inquiries are as listed ; 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX XXXX XXXX for {$27000.00} was obtained on XX/XX/XXXX with XXXX XXXX XXXX. 

I disputed fraudulent account and inquiries.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I made a deposit of XXXX to my Venmo account and then stated on XX/XX/2023 my funds will be posted. Then I found out my account was frozen went through the process of getting it restored did everything they needed me to do just so they can permanently close the account now its saying I cant have access nor will I receive my funds. I could provide more info if needed.
Product: Checking or savings account

My electronic funds where illegally withdrawn and stolen out of my account on two separate dates XXXX XXXX for the amount of XXXX and XX/XX/2021 from another withdrawal for XXXX. I immediately filed a claim with Bank of America on XXXX XXXX right after I became aware of the illegal activity. Bank of America canceled my debit card and issued me a new one. I received a letter on XX/XX/2021. Stating that " no posting error has occurred on your account '' I then filed 2 more appeals last appeal on XX/XX/2021 and no answer. Both where denied with the same reason. I keep asking them over the phone to mail me a written explanation on why the appeal was denied and they still have not mailed an explanation. Bank of America representative just says they will mail one out and they never do. I have yet to receive my XXXX dollars taken out of my account since XXXX of 2021.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX after purchasing a new car on XX/XX/XXXX and XXXX has this XXXX XXXX XXXX XXXX XXXX XXXX inquiry on my report with a XX/XX/XXXX date. I called the number listed on the report and spoke with a customer service person who wanted my SSN #. I provided this information, reluctantly, and they were unable to verify my information. And told me they would have to submit my information to their Fraud Unit. I have sent them a number of letters requesting information on who, how and where this request for a credit card was generated. To date I have not been able to resolve this issue. I did put a block on my credit as a result. However, I want this inquiry removed and I have written to XXXX requesting the same. In XXXX, my grandson received the same letter I received from Synchrony/SAM 's XXXX and XXXX denying him a credit card for which he did not apply for. He is listed as a SAM 's Club cardholder on my account which does not involve a credit card, just the membership card. 
The coding on my credit report for SynCB/Sam XXXX XXXX XXXX ; XXXX ( XXXX & XXXX ) and they do list a phone #. To date, this inquiry has not been removed from my credit report and it does effect my credit score now and will for the next two years.
Product: Credit reporting or other personal consumer reports

I noticed the Aargon collection agency on my account. I have never received anything from this company. I do not have any accounts outstanding so there is no reason I should have any collection agency on my credit. I filed a dispute with XXXX XXXX and they found the agency to be a legitimate  XXXX but didn't check on legitimacy of the collection account. 

I have no idea what this charge is and have never had communications with this collection company.
Product: Student loan

Back in  XXXX  I attended a school called  XXXX    XXXX    XXXX  in  XXXX , nj. The school has since been closed down. I 've never received my certificate of completion because the school was so in a disarray that they could n't even keep a steady teacher for the classes. The curriculum was barely taught and needless to say I never got the chance to complete. I 've tried to explain this to edfinancial but I 've had no luck because the school officially closed in  XXXX .  XXXX  is when I had to take a different route in life and join the  XXXX   XXXX . I 'm still stuck with  XXXX  loans from this school.  XXXX  for {$5000.00} and another for {$8000.00}. The ideal wish is to get both of these removed from my debt.
Product: Checking or savings account

On XX/XX/XXXX I noticed a purchase at target that I did not do. I contacted target and they saw no information on my account and told me to dispute the charge. Afterwards I spoke with a manager at target who said they traced the charge and it was to an account that did not match my email or phone number. On XX/XX/XXXX I contacted chime and was told there was fraudulent activity and they would start a claim and issue me a new card. Less than XXXX hours later the claim was denied with no reasoning. I then opened a claim with the consumer finance protection on XXXX. On XX/XX/XXXX the company responded that they were still looking into it. On XX/XX/XXXX they responded that the issue did deem a better investigation and they would handle it. On XXXX ( XXXX business days later ) they closed the dispute AGAIN without even contacting the merchant or looking into the charge. They now refuse to provide any information. If they contacted the merchant they would see that the name and email and phone number do not match nor is it tied to my account.
Product: Consumer Loan

I made a complaint on Santander Consumer USA on XXXX/XXXX/XXXX, based on the response to my complaint Santander is showing to be negligent in verifying the accuracy of my credit report as indicated in my compliant on XXXX/XXXX/XXXX which is a violation of the responsibility as ta credit reporting furnisher per the Appendix A to Furnisher Rule part XXXX and the FCRA 623. Santander has failed to investigate the complaint made and sent a response stating that they provide accurate information to the credit bureaus and denied my request for deletion based on inaccuracies. Based on my finding the violations assessed are as followed. 
1. There are different dates being reported as to when this account was closed. A complaint was made XXXX/XXXX/XXXX on XXXX stating that the account is reflecting open and this was failed be fixed until XXXX/XXXX/XXXX when I submitted the last complaint and reports that the account was closed in XXXX rather than XXXX which is false reporting. 
2. Derogatory information reported after settlement payment was made on account reflecting derogatory on XXXX and XXXX and settlement was received XXXX/XXXX/XXXX based on the attached settlement offer agreed upon that I will be released of any further obligation to Santander. 
3.The date of first delinquency is not reporting which alters how long negative reporting will be reported on my credit report. 

Based on Santanders response to my XXXX/XXXX/XXXX complaint they stated they lasted updated XXXX/XXXX/XXXX which further proves their refusal to investigate the accuracy of my credit reports and failure to comply with federal and state laws in maintaining accuracy and integrity of my reports which I also enclosed for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with TransUnion and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 we wired XXXX to someone posing as the paralegal for our closing attorney, XXXX XXXX XXXX XXXX XXXX SC. We did not reali3 we were defrauded until 2 days later when the closing attorney said they never received our wire. We immediately contacted Chase Bank to try to retract the wire but they were not helpful. We also contacted the FBI who tried to figure out who was hacked- our email, the realtors email? or the closing attorney 's email. We hired a lawyer who tried tried to help us recover the money & they feel we should have some protection from Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$100.00} on XX/XX/2022. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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