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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}
Product: Mortgage

1 ). I wanted to pay my monthly mortgage of {$2.00}, XXXX ( Principal and Interest XXXX + {$1000.00} increase in Escrow ) today being XXXX XXXX, but Lakeview refuse to take my payment both online through their portal and phone call, because they want to coerce me to make another increased payment for them to claim late payment later. 

2 ). On XXXX XXXX, I made mortgage payment of {$2200.00}, and by XXXX after MI deduction, My Escrow account balance was {$2.00}, XXXX, All of a sudden, XXXX disbursed another fund of {$2100.00} from my Escrow account again on XX/XX/XXXX after the Insurance has long been paid in XXXX? And when they realized on XXXX It was NOT returned back but they claimed it as Corp. Advance repayHow? Lakeview should refund this money back to my Escrow. SEE in the attached extract. 

XXXX ), Kindly, look at the table attached, Guaranteed Rate and Lakeview-Loan care should refund money taken out of my account Escrow account, to leave a positive Escrow balance of {$1700.00}.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX I was hit by a data breach from my Mortgage Co. that took over my Mortgage in XXXX of XXXX. It came through my e-mails and created data breaches on my computer and my phone. Due to this I was not able to XXXX for extra money which I need to do each month to survive every month as I am a XXXX  and on very fixed income. Because of this I had to renew a payday loan which gave me additional money to carry me until I was able to XXXX again. It was 2 months before I could fix the issues to be able XXXX XXXX again. I somehow managed to make all my payments and do the annual registration and inspection and state license to start XXXX XXXX  in XXXX. In the meantime, I managed to keep all my bills paid. I am struggling very hard, and I can not continue like this. The loan was taken out on XX/XX/XXXX with Advance America online for {$2500.00}. I went online today and found out that my loan amount is still more than the original amount. When I talked to them, they said that original amount was at 159 % interest and the total was an additional {$5000.00} in Interest. I have been making payments of {$330.00} and can not continue this until XX/XX/XXXX. None of this was clear when I renewed it online I thought it was maximum of 9 months.
Product: Consumer Loan

I had a loan with Regional Acceptance for an auto. On XXXX I filed for bankruptcy. This account has been reported delinquent since XXXX. I have contacted the bank by phone and they directed me to put it in writing. I put my concerns in writing and heard nothing. I then did a follow up phone call and was told to put in writing again. Which I again have done. My account is being reported as a charge off when it was n't a charge off at all it was a bankruptcy. It is also being reported as follows : XXXX reports account opened XXXX/XXXX/XXXX. balance XXXX. Last updated XXXX/XXXX/XXXX. Last payment made XXXX/XXXX/XXXX and account closed XXXX/XXXX/XXXX. How can I make a payment in XXXX and the account close in XXXX? Also no report of late payment from XXXX to present. Regional acceptance reports to XXXX the following. Date opened XXXX/XXXX/XXXX. Last reported XXXX/XXXX/XXXX. Included in bankruptcy. First major delinquency report XXXX. Months reviewed XXXX. First delinquency XXXX. XXXX reports the following from Regional Acceptance. Date opened XXXX. Reported since XXXX. Date of status XXXX. 60 months XXXX payment. balance as of XXXX is XXXX. Shows payment history with 30 day late being XXXX. Regional acceptance is reporting whatever it wants to report and not verifying the information. I have disputed with credit bureaus who do not do thorough investigation and only update information provided by regional acceptance. I have also phoned and written Regional Acceptance and nothing is being resolved. They are also reporting as a charge off. So basically the account is over 7 years delinquent, included in bankruptcy and a charge off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I have discovered several fraudulent accounts on my credit report, which are not mine and are preventing me from securing credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently request their immediate removal. Please expedite the investigation and correct my credit file. Thank you for your prompt attention to this serious matter.
Product: Mortgage

GreenTree Servicing is the service provider on XXXX my mortgages and has been since about 2013. Their online system is not providing me with current statements. The last statement I have in the online account is from 2013. I have contacted GreenTree multiple times and they have not responded in writing. They have only left one voicemail message for me with no phone number from a blocked number. In that message they stated that the reason they have n't sent me a statement is because they do n't have my current address. That makes no sense and even if that were the case that 's no excuse for my online account not to have any updated statements. 
They do have my current address anyway as I 've received other things from GreenTree. 
I am trying to close on a mortgage for a new primary home and one of the checklist items in order to close is to provide a greentree statement. I am now being denied a mortgage because the best I 've been able to do is do a " print screen '' of my current balance. I am completely current, never missed a payment, have a credit score over XXXX but I ca n't get a mortgage unless Green Tree provides a statement. It seems illegal to withhold a statement. Is that legal? Why would they refuse to produce a statement? I pay on time every month against no statement!!
Product: Vehicle loan or lease

Subject : Request for Documentation Regarding Repossession and Notice of Correspondence. 
Dear Santander I am writing in response to your recent communication regarding the repossession of my vehicle, which occurred without prior notice. I have thoroughly reviewed my records and have not received any correspondence from your office regarding this matter, including any repossession, or collection attempts. Please provide the following documentation : Proof of Mailing : Please provide documentation showing that any notices or communications were sent to my correct address. This should include dates and tracking or certified mail details. Details of the Charge-Off/Collection : Kindly provide detailed information regarding the charge-off/collection status reported on my credit report, including dates and the amounts involved. I would like to resolve this matter as soon as possible. However, I require this information to understand my current standing and to ensure that all procedures were followed properly. Please respond within 10-15 business days, so we can address this issue appropriately. Thank you for your prompt attention to this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$490.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

A collection came up on my credit. I thought it was a hospital bill, so I paid it all off. Turns out it was not the hospital bill. I called the company 3 times for them to send me the information to figure out where the debt is from and the payment options. Never received any information. The debt is still affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXXXXXX 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 returned my car to the original lender due to a blown engine that was apart of a fire recall XXXX XXXX XXXX I returned the car and now they are reporting a repo and charge off on my account it should not be there they won't help me delete this item they are violating my rights I would like this deleted from Experian and XXXX XXXX already deleted it.
Product: Credit card or prepaid card

My name is XXXX XXXX my contact number is XXXX. Ultimately in the last 6 months every time I make pymnts and get a few hundred available to spend or less the Walmart Company decreases my credit limit and I have nothing that I can use. I always make my pymnts I'm a good customer I have made a previous complaint and the customer service said there was no reason for this to be happening she said she would report it and have someone call me or contact me and nothing. I was embarresed at Walmart when I went to pay with my card and it was declined because now whenever there is a little bit they drop the limit. I am a good payer and I'm sick of this treatment for no good reason and I don't understand why. You would think if you have a customer that always pays you would treat them right. I want a response please to this complaint and to stop this because frankly I have had enough.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX 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, credit repair services, or other personal consumer reports

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown. Furthermore, Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.
Product: Credit card or prepaid card

Payment on my American Express card was due Sunday, XX/XX/XXXX. In error, I scheduled payment for the full balance for Monday, XX/XX/XXXX, resulting in an interest-on-purchase charge of {$250.00} and a late fee of {$29.00}. Amex agreed to waive the late fee and credit back {$100.00} in interest as an accommodation but would not waive the full amount of interest. 

This is an outrageous business practice that the Bureau should address by amending Part 1026.10 to require card issuers to consider a payment received on a Monday as made on time when the payment due date falls on a Sunday.
Product: Debt collection

Transunion continues to furnish information that is inaccurate debt on my credit report. Instead of Transunion lying about a investigation, They do not investigate and continue to keep a debt I do not owe on my credit report XXXX  XXXX XXXX XXXX I have sent a letter to for proof aswell as transunion and they continue to not delete the inaccurate debt from my report, They also continue to send the debt to me in names that are not mine I am also attaching the wrong names they continue to use to keep debt on my report
Product: Credit reporting or other personal consumer reports

Under the Gramm Leach Bliley Act I have the right to opt-out of getting my non-public information shared with non- affiliated party. XXXX, XXXX and Equifax are non-affiliated XXXX  parties. XXXX and XXXX have violated my rights by sharing my personal information along with inaccuracies by XXXX, Equifax and XXXX are not affiliated with any financial institutions. They have violated my rights with not providing me with an opt-out disclosure. As a consumer I have a right to privacy and also I have a right to opt-out of getting my non-public information shared with XXXX parties. I have disputed these claims from all three bureaus with a certified letter and XXXX has sent it back as being verified. However, has not provided any information on who it was verified with despite alleged debt being inaccurate.
Product: Student loan

I have two FFELP loan through Navient that was taken out in XXXX. I have been making payments on this loan, never missing a payment. As of today, Navient is claiming that I owe {$5400.00} still on these loans. The total of these loans in XXXX, when they were taken out, was {$9800.00}. Basic math shows that over the course of the time that I have had the loan, I have paid as of this last payment, {$14000.00}. I pay monthly, {$100.00}, and the loan is listed according to Navient to be paid in full by XXXX. That would have me paying a total of {$19000.00} over the duration of the loan, resulting in over {$9500.00} being paid just in interest on the loan. This does not match up with the interest rate on the loan of 5.25 % Even checking with various calculators, the total payments on the loan, including both principal and interest should be approximately {$13000.00} over a 10 year term. As of the time that Navient claims the loan will have ended, that would have been a 20 year term. Navient is clearly not applying the payments to the loan in the correct manner and is also using a higher rate of interest then listed on the loan ( basic calculations show that Navient is charging me 15 % interest on the loan.
Product: Credit card

I have attempted to use Klarna to make several small purchases. Each time despite showing plenty of " purchase power '' in the app, the transactions have been denied with generic errors that are not helpful in understanding the issue. I have followed all of Klarna 's instructions at XXXX : XXXX, but most do not apply ( as I've never been able to make any transaction, including small ones, thus I can not be a customer for longer or show a pattern of successful repayment with them ). I have linked a bank account and XXXX credit card payment methods, the addresses of all institutions match, etc. When I contacted their online customer service on XX/XX/2023 ( the only option available ) they incorrectly stated that I have a bankruptcy on file which is why my transactions are denied, and they referred me to XXXX. Because this is not correct, I asked how to request that they review their records, clarify the information with XXXX, appeal, etc. and each request I was told to contact XXXX. I have since contacted XXXX and reviewed my credit report in detail, and no such bankruptcy exists ( and it never has in the past ). In fact, there is no derogatory information on file at XXXX of any kind. There appears to be no way to inform Klarna that something is wrong with their information or the processes that are reviewing the information they have. The only possible explanations here are that ( XXXX ) the customer service agent was incorrect or telling me the wrong information, which would still leave some other problem, ( XXXX ) Klarna received incorrect information that I am not able to find as it does not appear at XXXX ( perhaps they got my record confused with someone with a similar name? ) or ( XXXX ) that Klarna is misinterpreting some other piece of information or otherwise erroneously coming to this conclusion. I found a mailing address for Klarna but they make it clear it is for " regulators only '' on their website and thus I am unsure of any other way than going to CFPB to resolve this issue, as their customer service agents are unwilling to even ask for further review.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The following credit bureaus have VIOLATED MY CONSUMER RIGHTS : XXXX Equifax XXXX XXXX5 U.S.C. 1681 section 602 A States I have a 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. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose All three credit bureaus identify themselves lawfully as consumer reporting agencies according to their website ( XXXX ) I was told several times by XXXX and other bureaus that they will refuse to remove information from my credit report because " I haven't verified my identity ''. I have already sent them numerous complaints with my correct information such as my social, mailing address from my banking statement, and government ID as well. 

I have reported this information that is invalid on my credit file the bureau has not been able to provide me with a copy of the verifiable proof. Telling me as the consumer that information on credit reports is verified without proof of my natural being signature and written instructions is unlawful. The bureaus aren't above the law and must remove the information listed below and the attached docs such as the identity theft report. 


Additionally, the failure to respond with a free copy of my report after the changes have been made will result in the damages created by the following bureaus ; XXXX, XXXX, Equifax The following damages will be taken to civil court on XXXX 2023 in XXXX XXXX if, monetary relief isn't given for the following damages : XXXX ) Defamation of Character XXXX ) Negligent Infliction of Emotional Distress XXXX ) Violation of XXXX U.S.C. XXXX Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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. 

XXXX XXXX XXXX states that I'm entitled to {$1000.00} per violation Each credit reporting agency owes me monetary relief of {$5000.00} in remedy Invalid credit inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a mortgage with Cross Country Mortgage company. They reported that my payment was XXXX  days late XXXX times. This is incorrect. Since having the Mortgage my payments have been on time. In XX/XX/XXXX, I submitted my payment on XX/XX/XXXX. ( I have a grace period of XXXX  days ) Cross Country applied the payment on XX/XX/XXXX. The XXXX payment is not XXXX  days late. For this month, XX/XX/XXXX, I tried to make the payment but could not because Cross Country posted that some other company bought the loan so payment can not be made until XX/XX/XXXX. The information reported on my account is wrong and this is negatively affecting my credit report.