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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That meansTransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VILOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AN 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 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

Account was never sent to collections. Account remained at my home office location until the loan was paid off. I fell behind prior to XX/XX/XXXX. The account was deliquent but remained at the same office. I spoke to the same loan specialist every time I called to make a payment and that was the same loan specialist that set up my loan. In the beginning online. My account was never sold to a third party for collections. 

XXXX XXXX is reporting to all three credit bureaus that my account is collection account. 

Prior to XX/XX/XXXX I fell behind in payments. XX/XX/XXXX the branch manager told me that the account was in danger of going to court for collections. I paid the past due amount in XX/XX/XXXX. XXXX XXXX incurred {$34.00} in court fees. They said I had to pay it at the end of the loan. But every month they said I was past due {$34.00}. The court case was canceled because I made payment XX/XX/XXXX. I continue to pay the payment on time for the next year. 

It shows on my statement attached that I paid the {$34.00}. At the end of my loan when I paid it off my branch manager said that I was not responsible for the {$34.00}. 

They need to remove that My XXXX XXXX account was a collection account. They fail to properly report my credit to the credit bureau. 

You can see on my statement that was mailed to me from the branch manager with a letterhead. It states that I made a payment every month either by phone or by ACH. I didn't receive any collection calls to receive the payment and when I called they never notified me that the call was an attempt to collect the debt. Whenever I called they told me I was in good standing. I was current every month from XX/XX/XXXX until it was paid off XX/XX/XXXX. 

The definition of a collection account is the transferring an account from the original creditor to a third party. This never happened.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX There are no on time payments from date opened to charge off status why? This is inaccurate payment history reporting. I should have an active payment history from XX/XX/XXXX to XX/XX/XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Why are there two different dates for the date opened if this account is 100 % accurate they should both be reporting the same date. XXXX is reporting XX/XX/XXXX so why is transunion showing XX/XX/XXXX? XXXX, and XXXX failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : One Main Financial Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i sent my XXXX disputes letters No action was taken Experian. The company did not process my disputes at all.i spoken with XXXX of the agents who verified that.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Student loan

I have been trying to get information about how much interest I have been charged over the life of my loans since my APR is adjustable. Navient has either been unwilling or unable to provide me with statements stating what the APR has been for each year since the loan origination dates and how much money in interest I have been charged each year on my loans. I first asked them via their online email inbox which is associated with my account on XXXX XXXX, XXXX and have re-requested this information an additional 3 times and they have completely ignored my requests for information on my account. Each time I re-request the information I get an auto-reply email back stating they will have someone " respond shortly '' to my request.
Product: Debt collection

Resurgent capital, LVNV Funding LLC, does not prove the debt is mine. The burden is on them to prove this and they have not done so. They state it meets FCRA requirements, IT DOES NOT.     They are required to remove the trade lines from all majo r Credit reporting bureaus. (  XXXX ,  XXXX , and  XXXX  ).
Product: Mortgage

This is the second complaint I have had to file in regard to the servicing of my mortgage through Loancare on behalf of XXXX bank. This complaint ties into the last one, as they straightened out my account only to throw it into turmoil months later. Loancare took over the servicing of my loan in XXXX ofXX/XX/XXXX when the transfer occurred, I was coming out of forbearance, I had applied for and been approved for deferment. My husband and I accepted and signed the partial claim through HUD in the amount of {$10000.00}, this was sent back to XXXX on XX/XX/2021. For some reason LoancareXXXX never processed my paperwork, after fighting with them for months they finally located my paperwork and filed the claim. They recorded the partial claim in XXXX XXXX on XX/XX/2021. While I was fighting to get them to process my original paperwork, Loancare decided to send me 2 more deferment packages each one with different amounts. I refused to sign these packages as I had already signed, and they had recorded the original in the amount of {$10000.00}. They keep calling and sending emails regarding the second and third packages, they did not seem to understand that a claim had already been processed. In XXXX of 2021 they seemed to finally have everything straightened out and we felt the whole mess was finally behind us, boy where we wrong! On XX/XX/2021, I received a letter stating that I was 8 months behind on my mortage ( this is not correct I pay every month ) so I called to find out what was going on now. I spoke to a supervisor named XXXX id # XXXX, he could see that I was making my payments and was unsure why my account was showing 8 months past due. He escalated my account to his supervisor and told me I could expect a call in a few days after they reviewed my account. On XX/XX/2021, XXXX id # XXXX returned my call she stated my account was past due because I requested to cancel the deferment. ( THIS IS 100 % INACCURATE ) also possibly illegal as I have a claim recorded on my home through HUD, that has not been reversed. The only place they reversed this deferment was in their system. XXXX told me she would look into my account and return my call, this never happened. The mortgage statement I received on XX/XX/2021, shows that my account is current and by XX/XX/2021, I was 8 months behind. I am not sure what is happening at Loancare but at this point I believe they are illegally trying to take my home as they have started sending me foreclosure notices again. Loancare needs to be investigated their practices are beyond incompetence at this point.
Product: Mortgage

We closed on our loan on XXXX XX/XX/2023. 

On XXXX XX/XX/2023 the company reached out stating they made an error calculating my VA entitlement and that we owed an additional {$15000.00} to reduce the principal. They claimed this was a VA requirement and that the VA would not " insure '' ( they mean guarantee ) our loan due to not having 25 % of the value covered by the VA, equity, and/or a down payment. 

After researching and speaking directly with the VA we found out this was completely false. The VA already guaranteed our loan and the company continued to insist that I was mistaken. In fact, the VA does not require any down payment even when a veteran/servicemember does not have enough entitlement. 

Finally, on XXXX XX/XX/2023, the VA responded directly to the lender ( the CEO ) and informed them that they were wrong. 

The lender then claimed that it was a XXXX XXXX requirement and again tried to convince us to pay for their mistake. The company was unable to pool and sell our loan because they did not have the 25 % of the value covered. 

On XXXX XXXX the lender offered to forgive part of our debt to meet the requirements, which would force us to incur an unnecessary tax burden. We accepted the offer on XXXX XX/XX/2023. 

On XXXX XX/XX/2023 we receive an email stating that I have a new loan servicer. We reached out to the lender and they stated that it was true and the loan was sold on XXXX XX/XX/2023, the day before we agreed to the debt reduction. They also stated that they reduced our debt on XXXX XXXX, XXXX days after the loan was sold. This indicates that they likely violated XXXX XXXX requirements and somehow made changes to a loan they no longer owned. 

Overall, this lender was extremely difficult to work with and caused significant stress and work that should have never occurred. What should have been a happy time in a new home was spent fighting to keep our hard earned money and we are afraid that others might have been taken for $ XXXX that they did not budget or plan for and end up in difficult financial positions. 

We also requested our interest rate capped at 6 % in accordance with the XXXX XXXX XXXX XXXX ( XXXX ). However, we were denied even though my military orders began after closing on the home.
Product: Vehicle loan or lease

I paid my loan off around XX/XX/23. I want a refund check mailed to me. I do not want some type of card that has to be opened by calling a XXXX number. this affects credit scores and opens me up to hacking and fraud. I just want my refund check mailed to me asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : 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 XXXXXXXX XXXX
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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX Date Opened : XXXX XXXX, XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date of XXXX Cedars Business Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Collection Account # XXXX and Demand for Validation. 
To Whom It May Concern, I am writing to formally dispute the collection account # XXXX reported by your agency on my consumer report. I have noticed several legal violations concerning this account that require immediate attention and rectification. First and foremost, your agency has failed to provide the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, you have proceeded to place the collection account on my consumer report. This is a clear violation of my rights as a consumer under federal law. Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This omission deprives me of the essential right to contest the validity of the debt before it is reported, thereby undermining the fairness of the debt collection process. Additionally, your actions constitute the use of false, misleading, and deceptive means to collect a debt. This violates my consumer rights and is unacceptable. It is imperative that your agency adheres to ethical and legal standards in all collection activities. Your agency also lacks the authority to furnish any account information to consumer reporting agencies without providing all the required disclosures by law. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ). These statutes mandate specific disclosure requirements to ensure the accuracy and integrity of the information reported to consumer reporting agencies. Given these violations, I demand the following actions be taken immediately : 1. Cease all collection activities related to this account until proper validation information is provided. 2. Remove the disputed collection account from all consumer reporting agencies to which it has been reported. 3. Provide a complete and detailed validation of the alleged debt, including all information required under 12 CFR 1006.34 ( b ) ( 5 ). 4. Ensure compliance with all applicable federal laws in future communications and reporting activities.

Per 15.USC 1692 G you are required by law to 1 ) I would like you to send me a detailed list of the history of the payments made by me on this account ... 2 ) My signature that I put on a contract agreeing to pay this creditor. 3 ) Has there been any insurance claim filed on this debt? 4 ) Proof that you have chain of title to collect on this debt. 5 ) Requesting you to furnish proof that you are licensed and bonded .. 6 ) I am also requesting the purchase agreement between you and the original creditor..

. I expect a response within 30 days of receipt of this letter, confirming that the necessary actions have been taken. Please send all correspondence to the address listed above. Thank you for your prompt attention to this matter. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Late Payment Remarks Error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a debt card that was linked to a Wells Fargo checking account that I did NOT open. When I called Wells Fargo to alert them of this they asked me A LOT of security questions and asked for my social security number ( which I did not give them ) they basically kept suspiciously asking me for this information, even transferring back to forth to others that would then ask me for my social security again.. They also told me they couldn't " CLOSE MY CASE '' without me giving them my social. I explained that this account was opened fraudulently and I was not comfortable giving them MORE of my secure personal info. I was very displeased on how they handled this and it was very suspicious.
Product: Credit reporting or other personal consumer reports

Please remove from my credit report across all bureaus. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, PA XXXX Pursuant to FCRA 605B, 18 USC 8 this company is violating my consumer right to privacy pursuant to 15 USC 1681B2, 15 U.S. Code 1692c has no permission to report any info pursuant to 15 USC 1681 4. 

I did not sign any agreementeither physically or electronicallywith my wet signature that obligates me to this alleged debt. 
To the best of my knowledge, no valid contract exists between me and the creditor/debt collector for the stated amount or any debt. 
I have requested verification and validation of this debt from the debt collector, including documentation of any signed agreement. As of this date, no such proof has been provided. Please remove form my credit report.
Product: Debt collection

Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and XXXX credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.