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

To whom it may concern Since XX/XX/2017 we have been dealing with a company that we got financing for an auto to correctly report to the credit bureaus. 
We have gotten every excuse as to why it is not reporting, we were even told there was a letter sent to TransUnion in regards to this matter but we can not get a copy of this letter either. We are in the process of getting a mortgage and the almost 3 years of credit would help out tremendously. 

We have been trying to be really patient and understanding but it seems to get us nowhere, there are two people on the loan, my son and my husband. This trade line reports just fine on my sons credit report but not my husbands. This could one mean we go from needing 3 % down instead of 10 %, a lower interest rate and possibly approval. Right now there is a lot riding on this and they dont seem to want to do anything to help the situation. 
I have already filed a complaint with the XXXX and their excuse was a problem with their program, but when I disputed that because it is reporting to one but not the other the XXXX closed the case. Our Attorney is stepping in but we are running out of time for this to be reporting. At this point XXXX XXXX needs to report this trade line A.S.A.P. As of today a manager by the name of XXXX spoke to my husband and stated that we did not want this trade line on our records even though it is reporting on my sons records that 95 % of the payments are on time. 

They claim we have disputed the trade line but if that were true and the information had been correct the trade line would not have been removed. Their failure to do anything is going to cost us more money than necessary. 
Honestly this company needs to not be allowed to provide loans, their customer service is awful and they are very hard to work with. I have copies of emails back in XX/XX/XXXXthat they sent a letter to Trans Union and now they are saying nothing was sent. Again more excuses. We need your help please. 

Thank you for your assistance in this matter
Product: Mortgage

SPS is the servicer of my loan I didn't have to pay my mortgage for three months due to covid-19 when I started back paying my mortgage I notice on my statements my escrow account and the principal account was in the negative and my principal balance was going backwards meaning every time I paid my mortgage my principal balance is going higher and everything else is going higher in the wrong direction in the negative. 
All I ask them for was a modification to lower my interest rate from 11.29 % especially now when the national interest rate is 2.29 % at this time. 

Also, why don, t I have a ( VOM ) verification of mortgage available to me?
Product: Credit card or prepaid card

I have an apple credit card. 
I never used my physical apple card more than twice in its lifetime. 
I have used the 'digital ' number many times for online transactions. 
On XX/XX/XXXX at XXXX XXXX  while I was home in XXXX my credit card 's digital number was charged {$1500.00}. I immediately got notification on my iphone and called apple to report unauthorized use of my card. Apple card started the dispute. 
I also attempted to call the merchant ( XXXX XXXX XXXX ) that evening to cancel whatever fraudulent order was placed however they could not assist me. 
On XX/XX/XXXX I was notified that the transaction was not resolved in my favor, an " The merchant provided suffecient evidence that I made the purchase ''. 
When I called and inquired with apple what proof was made for a fraudualnt transaction they could not provide me the proof and would 'mail me the documents which would take 7 days '. 
Eventhough Apple and Goldman Sachs both agree there is 0 % liability for unauthorized transactions I wonder why I am being held liable for this unauthorized transaction. 
I have re-initiated a dispute with apple card and now have to wait another 3 months for an answer. 
this whole process is very elongated, excludes the customer, and is at best stupid along with goldman sachs customer service.
Product: Mortgage

My loan refinance started XX/XX/21 and the company still has not closed XXXX. I have made several calls, emails, and even stepped in to try to expedite the process due to lack of consistent commitments, not correctly notating information I have provided multiple times. I have been handed off to multiple individuals during this process. No my rate is going to expire and they want to charge me additional fee due to their lack of correcting errors that are not done on my part. I believe they just trying to extort more money from me by stalling on the closing process. I have asked how much these fees will be multiple times and never given an actual answer. I have asked to have my reps supervisor call me and never given a person and a fellow associate calls me after I was told she was a supervisor by the rep for the company prior. She could not help me just reverted back to the standard I am sorry for your inconvenience card and stated she called me to verify information I had provided in an email prior. I have attempted to call and been put on hold for 47 minutes plus. I have emails and screen shots to back up my statements. 

Respectfully,
Product: Credit card

A few weeks ago, I received a letter stating that due to suspected fraudulent activity, I had to submit to the Comenity proof of identity which included my social security card, photo identification and utility bill. While I submitted all of those documents, I had also submitted a complaint letter along with a request that I get written assurances that my information would not be misused. 
As I had explained, in my decades of having credit cards and similar issues- never was this information requested and disclosing such information was extremely troubling. Thereafter, I received not a new card ( normal practice ) but a letter dated XX/XX/year> stating that my credit card with a balance of {$110.00} and a credit limit of {$6000.00} was closed due to fraud. This credit limit I had built over a period of a decade. The implication that I as an attorney had participated in fraud is beyond troubling it is a stain on my reputation. 
Additionally, the harm to my credit score by eliminating {$6000.00} is likewise concerning.

I was told that my sole solution was told was to " reapply '' and " if '' approved I could request a credit line increase. Based on this bank 's practice, I doubt that there would be either an approval or if so - a restoration of the credit line to the amount it took me a decade to achieve. 

Also, I never did get any assurances that my data will be protected. I am particularly concerned as my XXXXXXXX XXXX XXXX XXXXXXXX XXXX states that there were three breaches of my social security number in XXXXXXXX XXXX. It is possible that these breaches were issues with Comenity bank and in lieu of reporting said breaches to me and your office, which could mean that the bank would have to pay millions in credit reporting services to its customers, it took the cheap way out and cancelled the cards of those consumers who were impacted by the data breach.
Product: Debt collection

ECSI can not respond regarding the validity of loans and absence of promissory notes. They just say to refer my concerns to school. In such case, we ask ECSI to follow up with school themselves or STOP SENDING BILLS TO MY HOUSE WHEN YOU LACK LEGAL DATA THAT THESE LOANS ARE VALID OR NOT.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX  XXXX Balance XXXX {$93.00} XXXX XXXX XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$7400.00} XXXX  XXXX Balance : {$6200.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. I didnt give any authorization to anyone to use my information date XXXX in person or online for to apply for any type of credit card, XXXX XXXX /Equifax has valet my right 15.U.S.C 1681 Section 602 A Section 604 A Section XXXX : its also state a consumer reporting agency can not furnish a account without my writing instruction 15 U.S.C 1692C ( A ) Without the prior consent of the consumer given direction to the debt collector or the express permission of a court of competent jurisdiction, adebt Collector may not communicate with a consumer in connection with the collection of any debt -15 U.S.C 1692 B ( XXXX ) not communicate by postcard 15 U.S.C 1692B ( XXXX ) Not state that says consumer owes any debt. 15 U.S.C1692B ( XXXX ) not use any language or symbols on any envelopes or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt is in the debt collection business or that the Communication relates to the collector up a adebt
Product: Debt collection

Addendum to XXXX. CPRS claims letter was mailed to address on file on XX/XX/XXXX. I did not receive mailings from this company. Also, in the reply from CPRS, there are some companies, to which I do not conduct business with, that are raising some serious concerns. I do not conduct business with XXXX. I have been with XXXX, since XXXX. Also, I do not have an account with XXXX. My vehicle is currently financed through my local credit union. I previously had an account through XXXX, to which that account was closed in XXXX. Also, I do not have dealings with XXXX XXXX. These account belong to others. Also, this is very alarming, as others may have my account information, as well as I was sent account information on others. Also, the date of XX/XX/XXXX, is from a fax server. This hereby proves no letter ( s ) was ever mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I withdrew my loan application from OneMain Financial in XXXX XXXX, Florida. I had submitted the loan because I needed a quick short term loan and after research I submitted by application with OneMain. Since I have withdrawn my application, I requested that OneMain be removed from my Credit Report, so I submitted to OneMain Financial a request for a Letter of Deletion or Removal because no loan was provided although they told me that {$1500.00} had been approved. I withdrew my application because the OneMain loan services were not provided as advertised with same day loan approval and receipt of monies by next day. 

The team members at the XXXX XXXX, Florida branch for OneMain whom I dealt with were XXXX and XXXX. A phone appointment was scheduled by XXXX of OneMain XXXX XXXX at XXXX on XX/XX/2021 to close on a {$1500.00} loan for which they said I was approved to receive. XXXX was supposed to call me for the appointment but he never did therefore I called the OneMain office and was informed that XXXX had not arrived to work and they did not have an explanation to provide for his absence. I was then referred to another team member XXXX ( I believe his last name is XXXX ). In my dealings with XXXX, he repeatedly requested the exact same documents for which I had already submitted and OneMain had confirmed receiving. When he missed the phone appointment, I had explained my concerns to XXXX  which caused my hesitation about OneMain 's operations since they have personal financial information for me. The OneMain office in XXXX XXXX appeared to be disorganized and mismanaged. XXXX immediately became argumentative, combative and disrespectful towards me. Since I was the customer and it was his team member who was a no show for the appointment, I was totally blindsided by XXXX 's abrasive tone towards to me. 

When XXXX finally showed up for work later that day on XX/XX/2021, he called me and was very unprofessional and began asking me questions that appeared 'made-up ' to string along my loan application process. Since he told me the application was already approved the day before I did not understand the further questioning by him. Furthermore, XXXX stated to me that he was not allowed to disclosed to me that I may be a victim of fraud. If he's not allowed to tell me that then why did he say it to me? After that disclosure from him, I immediately contacted XXXX  to research possible identify theft against me and they did not find anything suspicious nor considered fraudulent against me. I have attached copies of my communications with OneMain Financial. The XXXX XXXX, Florida office of OneMain Financial has exhibited a lack of professionalism, honesty, transparency and lack of organization in handling my loan application. Therefore, I am requesting a Letter of Deletion or Removal from OneMain Financial. Per the actions of OneMain, I am hopeful that your bureau will investigate OneMain 's handling of loan applications and potential misleading advertising by OneMain Financial.
Product: Mortgage

XXXX XXXX, 2015To whom it may concern : I would like to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, their appraiser. 

In XXXX of 2015, I made application for an FHA loan with XXXX to purchase the home I was renting. I then paid them {$480.00} for an appraisal. The appraisal was done and I received a black and white copy. Unfortunately, XXXX began asking for strange documentation, implying that I was likely laundering money, which I was not. In XXXX XXXX, I decided we were at an impasse and made application with another company. The new company, Pacific Union Fianancial, asked for the FHA case number to be assigned to them, which it was, and for a color copy of the appraisal. It took several weeks, but eventually a color copy was provided to them. 
Pacific noted thast the appraisal called for certain repairs that needed to be done. It also failed to note that the seller was paying {$4500.00} torward my closing cost. Pacific Union, my mortgage broker, and I all requested that the appraisal be corrected and a final inspection would be needed. We spoke to XXXX, XXXX, and the appraiser. Each refused to cooperate despite FHA regulations that require them to do so. Eventually, we had to pay {$450.00} for a new appraisal. 

The time lost in attempting to get what should have been provided required several rate extensionswhich caused us not to get a lender credit of {$660.00} which we would have received had XXXX and it 's appraiser followed FHA rules. In addition, we had to pay {$450.00} for a new appraisal. We believe we are entitled to damages of {$1100.00}. 

Sincerely, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the ongoing delays and lack of resolution concerning my open account with your company. Despite numerous attempts to rectify this matter, the issue remains unresolved, causing inconvenience and financial strain on my end. 

The persistent delays in resolving this matter have not only caused me undue stress but have also affected my trust in your company 's ability to manage customer accounts effectively. As a loyal customer who has consistently met their obligations, I find it unacceptable to be subjected to such inefficiencies and disregard for customer satisfaction. 

Furthermore, the lack of transparency and communication throughout this process only compounds my frustration. I have not received any updates or explanations regarding the status of my account, leaving me in the dark about the progress of resolving the issue. 

I demand immediate action to rectify this situation and ensure that my account is promptly corrected without further delays. Additionally, I expect clear communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX : {$9600.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$620000.00} XXXX XXXX XXXX CU XXXX Balance {$11000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$630000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$620000.00} XXXX XXXX XXXX XXXX XXXX Balance {$11000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is the result of identity theft, and it does not belong to me.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$74.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent TransUnion, XXXX, and XXXX multiply letters ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about removing accounts that are reporting inaccurate information on my reports. The Credit Bureaus stated my accounts were properly investigated and " Verified as Accurate '', but how is that possible if the Open Date, XXXX, Date Last Reported, etc. is still inaccurate. I showed them factual disputes on the credit reports of the inaccuracies and they still refuse to remove these accounts. THIS IS GROUND FOR REMOVAL, they also violated my rights under 15 USC 1681 Accounts are listed below : XXXX XXXX, XXXX, XXXX, XXXX, and XXXX 15 USC 1681 Sect 602 A,,, States I have the right to privacy 15 USC 1681 Sect 604 a ( 2 ),,, A consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681n ( A ) ( I ),,, Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Checking or savings account

XX/XX/XXXX I attended a public event just so happened I had just received a new debit card and made a deposit at TD bank. Inside of my vehicle was my expensive purse and envelope with my new debit card from TD my license, a receipt from TD with my balance and my new pin written. My car was broken into at the public event all of my items were stolen multiple cards, jewelry, perfume etc. 

A police report was filed and provided to the bank, an identity theft report was filed and provided to the bank with clear and concise information however I am still being accused of frequent transactions when I never used my card at that particular store I have dealt with assumptions, discrimination from TD bank when I trusted them with my hard working money they need to refund my money back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

_In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose