23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In a previous compliant, Navient stated I did not attempt to return their calls from XXXX XXXX and XXXX, 2016, to discuss my account regarding retracting negative information in my credit reports. This statement is inaccurate. 
I did return XXXX XXXX XXXX 's calls on XXXX, XXXX, XXXX, XXXX and XXXX, 2016. I was unsuccessful in speaking XXXX XXXX, but I need speak with their representatives, XXXX, XXXX, XXXX, and XXXX, respectively, in an attempt to contact her so that I could speak with her. I still was unable to speak with XXXX XXXX, and she did not return my phone calls after XXXX XXXX, 2016. However, instead of speaking with me, personally, she relayed messages through representatives XXXX, on XXXX XXXX, who told me she was researching my case and will return my call. She never returned my call. XXXX, on XXXX XXXX, stated, she stated the negative information was retracted and will be sent to credit bureas. On XXXX XXXX, 2016, XXXX stated that it had to be sent to thr credit department for approval, but it will be retracted. 
I was given misinformation and my attempts to contact XXXX XXXX XXXX ignored. I was never given the opportunity to discuss my account in more detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, XXXX as well as the collection company XXXX XXXX XXXX XXXX about a debt that I do not recognize on my credit report. I asked for proof that this debt belonged to me or have it removed. Neither was taken card of from any of the parties. XXXX XXXX has yet to answer a call, return a call or write me back and it's be about 60 days. If I can not be provided proof that this is indeed my debt I'd like it removed from my credit report.
Product: Mortgage

On XXXX XXXX I first contacted LoanCareXXXX to request that they take the funds from my escrow account and pay the property taxes in the amount of {$3200.00} immediately. We were in the process of refinancing our mortgage and needed proof that the taxes had been paid. I was told to submit a written request and also to fax the request to their tax department. After hearing nothing for over a week - I called and spoke to a " customer service '' representative who told me to submit everything again since the first contact I had with this company had given me incorrect fax number. I repeated the process on XXXX/XXXX/16. That same day I received a computer generated reply that assigned me a ticket number and which said I should wait five days for a thorough review and research of my inquiry. Again, I heard NOTHING so I called LoanCare and was told on XXXX XXXX, 2016 that a check # XXXX had been sent to XXXX County Tax Department on XXXX XXXX, 2016. After checking both online and by phone I learned that the check had never been received. That same day I sent another written request to LoanCare asking what had happened to the payment. I also called, but no one was able to offer me any explanation. I was told to wait a few days for the tax department to process my payment. On XXXX XXXX - over a month after I started this process - taxes still UNPAID! Ironically, I mailed the XXXX County tax department a check for taxes due on another property we own on XXXX XXXX, 2016 and my personal payment was already posted on XXXX XXXX. I again wrote to LoanCare and requested that someone contact me by the end of business day and told them if I heard nothing I would attempt to file a complaint. Obviously - this matter has yet to be resolved and no one bothered to contact me. I am aware that mortgage lenders keep escrow funds and earn interest on them and wait to the penalty date before paying property taxes. In a situation like this - after numerous requests and dubious information - I am asking for help to resolve this matter. I have found LoanCare to be completely uncooperative and I am extremely relieved to be done with them as my mortgage holder. Our refinance was completed XXXX XXXX, but I still need to resolve WHERE my {$3200.00} escrow money is. On LoanCare 's website it shows that it was removed from my escrow account leaving a balance in the account of {$590.00}. That is what the new mortgage lender also stated and I was told that this money would be mailed to me. Thank you for any help you can provide resolving this matter. XXXX XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

In XXXX, i have leased a XXXX XXXX XXXX XXXX XXXX with the option of purchasing the car at end of lease, lease matured in XX/XX/XXXX, I paid off the car one month before lease ends, the amount is {$14000.00} in XX/XX/XXXX, I have all documentations on hands, after numerous contacts with Honda Financial and XXXX XXXX in XXXX in XXXX XXXX california, where I leased the car from, I am unable to have XXXX XXXX dealership to remove lien of the title, today I still not receive my car title. You are my last resort to help to resolve this issue. My accept here my sincere appreciation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested information in regards to this fraudulent account inwhich I'm disputing and demanding that this account is blocked from my credit data file. The account is XXXX XXXX. I have requested the Method of Verification and certified documentation, signed contract, etc, and an electronic Verification can not be accepted as proof. So in accordance with the FCRA laws, either provide the above information or block the account immediately and permanently.
Product: Debt collection

I dont even have a clue what car company or what car this is. Apparently this happened in between XXXX and XXXX. I asked her for the original forms and the original agreement. They can not provide it. Judgment letters didnt even get sent to my address. I got an email saying that my wages would be garnished. I had no clue even had court for this. I am absolutely terrified. I am a mother of XXXX with a daughter going to XXXX and I take care of my brother with XXXX XXXX XXXX XXXX the only income that I make is taken care of and that Ive been able to keep my house and they are threatening to garnish my wages. Im furious and terrified.
Product: Debt collection

Debt Dispute and Request for Proof of Debt Reference Number I am writing to formally dispute the debt claim of {$1400.00} that is being reported by your agency, Transworld Systems , Inc., and appearing on all three of my credit reports ( XXXX, XXXX, and XXXX ). This is my third time attempting to resolve this matter with your company. 

I am requesting that you provide Proof of the Debt : A detailed statement that demonstrates that I am legally obligated to pay this debt. This should include the original creditor 's name, a complete account history, and any relevant documents that verify my liability. 
Purchase Agreement or Evidence of Ownership : Documentation indicating that your company legally owns this debt or that you have the right to collect on behalf of the original creditor. 
Evidence of My Association with the Debt : Any records proving that I have had financial dealings with the original creditor or any documentation supporting that I am liable for the amount claimed. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to this verification before any further collection efforts can be made. Until you provide the requested evidence, I consider this debt to be invalid and not subject to collection.
Product: Checking or savings account

I went to a chase ATM to withdraw {$1000.00}. The machine never disbursed the money. But the money was taken out of my account. I needed the money otherwise I wouldnt have been taking it out. I called customer service and stayed on hold for an hour. Manager of the bank. Told me I have a receive it within five hours. Its going on three days. I still havent heard back from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Capital One Auto Finance in XXXX and carried a relationship with them until XXXX of XXXX. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, I was affected tremendously by XXXX. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I had with your company for 4 years. This one late payment is causing me extreme hardship. I am hoping that Capital One Auto Finance can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment in XXXX of XXXX. I have really enjoyed doing business with Capital One and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome Capital One Auto Finance. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reports a status of my   XXXX   XXXX   XXXX   home equity loan account starting with  XXXX **** as " Current ; Paid or Paying as Agreed ''. This is incorrect.
The last payment on the said account was made in   XXXX   2010. The account became late in  XXXX  2010, was never again current and should be deleted as obsolete.
I disputed with TransUnion, but the account was verified as accurate.
I would like TransUnion to end reporting of obsolete information by deleting the  XXXX  account starting with  XXXX **** from my credit file.
Product: Consumer Loan

In XXXX, I took out an installment loan with Republic Finance in XXXX, Alabama to help build my credit history. I paid the loan on time, except once. The reps called me constantly throughout the day, even at my job. I informed the location manager that I was going to come in to get a payment history printout so that I could pay the loan off because they were being very unprofessional regarding the matter. In XXXX, the manager filed a claim against me in court per se. He even went as far as to send garnishment papers to my employer without a verdict being rendered in court. I made a payment for {$450.00} via money order after that and he did n't even report it to the court. I disputed the matter on my credit and it came back as " satisfied/released '' but, Republic Finance has since placed another delienquent account on my credit for a balance {$200.00} shy of the amount they entered for the court claim. Also, in the court papers, they never reported any of my past payments, they tried to sue me for the full loan. When I went to the location where I got the loan to get a payment history printout, no one would give it to me. The representatives all told me I needed to see the manager XXXX, which was the person that filed the same claim in court against me. Upon meeting with the manager XXXX, he asked me what I needed a payment history printout for and asked was there something I needed explained to me regarding my loan? I do not owe the amount that Republic Finance is claiming that I owe. I was going into the actual location paying with cash and I would recieve receipts on thermal paper from a credit card machine and they have since faded. When I told XXXX, the location manager that I would like to make my future payments via bank draft, he suggested I continue to pay in cash because it posts to my account immediately and that bank drafts can take a few days to clear. This was a red flag for me and is why I made my {$450.00} payment via money order, so I could have proof of payment. If you notice on the court documents, all of the documents that were submitted, when he submitted my account information, there are payments areas blackened out, as well as my account number. I believe they have committed forgery and I would like this matter to be investigated and I would like it removed from my credit report because they have created XXXX separate accounts under my social security number. After the court case was released, Republic Finance went back and opened another account and have been reporting delinquencies on my credit report.
Product: Credit card or prepaid card

Synchrony Bank XXXX has not corrected a payment that we made on our account that we provided proof of payment from our bank for per their request.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized credit inquiries from my credit report. These inquiries were made without my knowledge or authorization following a data breach that compromised my personal information. 
Under 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to have fraudulent inquiries blocked and permanently removed from my credit file. 
Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my credit information and are applying for credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

DPT EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX  XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

I sent a letter on XX/XX/XXXX, XXXX XXXX XX/XX/2022 reporting evidence of inaccurate information to Experian. Experian responded that the information was VERIFIED & ACCURATE! 

Experian had violated the law by Furnishing inaccurate information and not doing a proper investigation and a proper reinvestigation. 

Experian has violated the laws : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681l - Restrictions on investigative consumer reports Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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, Experian has brought hardship to my financials, household and impaired my credit worthiness. 

Delete all accounts DO NOT UPDATE DUE TO VIOLATION OF THE LAW. DO NOT UPDATE. DELETE ALL ACCOUNTS. 

XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX
Product: Mortgage

Sold a house in XXXX in 2007. At/after closing, paid off mortgage and home equity loan. Moved to XXXX. About 5 years later, I was contacted by an unknown company to me, Fidelity National Title Insurance Company. They are suing me and my ex-wife, claiming we did n't pay our home equity loan. I 've sent this company, the court and the judge our home equity loan certificate of satisfaction, stating the loan was satisfied on XXXX/XXXX/2007. But, the judge wo n't throw it out, even though I submitted the letter. I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL BELOW ADDRESSES WERE TOLD TO BE REMOVED AND ARE NOT MINE AND NEVER HAVE BEEN. CHEXYSTEMS has been INTENTIONALLY DENYING THE REMOVAL OF THESE ADDRESSES phone numbers and names. 

NAMES TO REMOVE : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ADDRESSES TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PHONE to REMOVE Phone Numbers : XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX/ XXXX account XXXX XXXX ...., TRANSUNION XXXX XXXX XXXXXXXX XXXX account XXXX XXXX ... XXXX account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent global cybersecurity incident involving XXXX, a file transfer tool owned by XXXX XXXX. The software is used by government agencies, major financial firms, and thousands of other companies around the world. This incident resulted in exposure of my personal information.The information includes my name, address, date of birth, and social security number.
Product: Payday loan, title loan, or personal loan

I was contacted 4 times on XX/XX/XXXX by different members of One Main Financial Services regarding my Secured Vehicle Loan. I spoke with the first 3 members and tried to work out a payment schedule where all 3 of them told me they were " Unable '' to make promise to pay my full balance on XX/XX/XXXX. They continuously badgered me to make at least a small payment towards the loan and I informed them I was unable too due to just getting over the XXXX and was out of work this month. On the XXXX call I received from XXXXXXXX XXXX, he again, continuously badgered me to make a payment before the end of XXXX because they were unable to schedule a payment in XXXX for the Full amount that would be due. After getting of the phone with XXXX, I logged into my account online through the One Main Website and scheduled the payment there. I feel they are harassing me as I tried to work with them to set up a payment and they denied my efforts. But yet, I was able to perform the scheduling online through my account. I am literally 1 payment behind. My " Current '' payment is not even due till XX/XX/2023, which counts as 2 payments. On the XXXX, ( Which it has not hit ) I will have 3 payments due, but that payment will not be due technically until XX/XX/XXXX. So, with only being technically 2 payments behind, I feel they are harassing me by having 4 different people calling me trying to get any sort of money out of me even after being told EVERY time that have absolutely no money to spend until I get paid on the XXXX of XX/XX/2023.
Product: Mortgage

On or aboutXX/XX/XXXX I contacted Quicken Loans on line. Explained my situation. Family buying home from family. Home worth alot more than money needed. I wanted to buy my house from my parents. They owed XXXX XXXX XXXX and wanted to get some money out of it for travel. I explained this to mortgage banker. She told me that we could use equity to pay off XXXX XXXX and money that i would borrow would go to them. " they will walk away with 35 thousand+ '' I understood that the equity would pay off XXXX XXXX pay closing costs and I would have my house back and they would have 35 thousand + to do what they wanted. I uploaded all required documents in the following days. We needed a new survey we need an appraisal house came in at XXXX XXXX. Quicken Loans gets a house worth XXXX XXXX for the XXXX that I borrowed and my parents got {$4900.00}. This was not was we were lead to believe. Quicken Loans lied to me, said that we would have 35+thousand dollars in cash and I would have a loan for my home. I feel like it smells a little like fraud. Spoke to Executive Dept at Quicken Loans and he says there is nothing they can do. Yes there is. They can do what they said that they would do and give me 35+thousand dollars for my parents.. They are the EXPERTS. Give me ALL the FACTS and be transparent. Do n't lie.