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

As of XX/XX/year> I have had a problem with Equifax and its ability to allow creditors to access my Equifax credit file this has been going on now for XXXX days I've contacted Equifax XXXX Relations countless times and was instructed to mail a copy of my ID and social security card along with proof of residence which I have done so on XXXX occasions certified mail but problem hasn't been resolved. which has caused me financial distress not allowing me to close on a home loan and other funding needs. This needs to be settled immediately so that creditors no longer have an issue accessing my Equifax credit file.
Product: Credit reporting or other personal consumer reports

I am writing about the account that has been settled long time ago. Its a closed account from XX/XX/XXXX which i closed in settlement but it still appears on my credit report as negative and affecting my credit score. 
Here are the details about the account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Status Paid in settlement. {$530.00} written off. 
Status updated XX/XX/XXXX Last payment date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan from SELECT PORTFOLIO SVCIN, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SELECT PORTFOLIO SVCIN and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SELECT PORTFOLIO SVCIN with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor... and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
AMERIHOM MTG XXXX Date Opened XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX were reflected as late payment 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 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

Everything on my credit report for the last 5 years is identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discover bank XXXX XXXX XXXX XXXX etc I filed a ftc report for identity theft report number # XXXX Police report filed with the XXXX Report number XXXX
Product: Debt collection

Medicredit XX/XX/2013 {$360.00} they have this account as a chargeoff/collections I have contacted this company six times and asked them to send me a contract or any documents showing I had services here and they have not. Also I have disputed this with all three credit bureaus
Product: Mortgage

I am in the process of completing a loan modification with Shellpoint Mortgage Services over the past 6 months. I was approved for the loan modification after providing documents and personal information. I was then told by my assigned Shellpoint single point of contact ( XXXX XXXX ) that my interest rate would remain at 3 % for the loan modification. She said all I needed to do was pay my 3 monthly trial payments and then I would received the loan modification document in the mail to sign and then start payment on my modified mortgage. I just received the loan modification document ( XX/XX/XXXX ) and the interest rate is at 4.5 %. That is 50 % higher than I was told it would be and I have to sign the loan modification document and send them back by XX/XX/XXXX or my home goes into foreclosure. I also made 3 trial payments totaling {$6300.00}. I feel I have been 'bait and switched '' with a promise of a low interest rate and now have no choice but to enter into this modification. I already paid {$6300.00} in trial payments under the promise that the modified mortgage would have a 3 % interest rate and if I walk away my house would go into foreclosure. This was an attempt to deceive me into paying my trial payments without giving me a choice but to accept a high interest rate for the modification. I spoke with XXXX XXXX ( Shellpoint Loss Mitigation Supervisor ) on XX/XX/XXXX and he told me that he would notify the investor of my situation but has never seen them change an interest rate in a loan modification. He said this would take at least 15 days which is after my signed loan modification is due anyway. I have been deceived by Shellpoint Mortgage Services and put in a terrible position. Please rectify this situation by lowering the interest rate to 3 % on the loan modification.
Product: Checking or savings account

On XX/XX/XXXX I put thru an external recurring transfer of {$160.00} into checking acct. On XXXX I received an email from valley stating the funds would be in my XXXX  acct in NC on that date. I waited that day it never came. On XXXX I called valley and they said transfer would take place in XXXX. I said I couldnt wait that long. I was walked thru the procedure to do another external transfer for one time only and then after that went thru to cancel the recurring transfer. I did exactly what the rep told me. On XXXX I checked my valley acct and saw the {$160.00} was taken out but it wasnt in my XXXX  acct. I also saw that another {$160.00} was taken out of my acct which only had a balance of {$7.00} along with a {$30.00} overdraft fee. This left my acct with a negative {$180.00} balance. I immediately called valley and spoke with XXXX who said she would straighten out. A few days later I received two transfers of {$160.00} to my XXXX acct. I did not get the {$7.00} balance nor a chargeback of the {$30.00} fee. I never heard of any back approving 2 {$160.00} transfers when there was only {$7.00} in that acct. I proceeded exactly as the valley rep told me and due to her incorrect info was charged {$30.00}. I told valley if I didnt receive the {$30.00} by XX/XX/XXXX I would file this complaint. I had to write a check from XXXX for {$190.00} and mobile deposit in my valley acct in NJ because valley told me I would continually get recharged {$30.00} until the acct had a positive balance. I cant understand why valley wouldn't have emailed or texted or called to inquire. Why would I try to take {$160.00} out of an account that I just received {$160.00} from knowing the balance was {$7.00}. This is ludacrious.
Product: Credit reporting or other personal consumer reports

The department of education has failed to comply and follow through with the settlement terms set forth in the settlement entered on XX/XX/XXXX, and effective XX/XX/XXXX, for XXXX loan borrowers who are in the automatic discharge group. 

I am a full class member of the automatic discharge group. 

I have reached out several times to StudentAid.gov, my loan servicer, XXXX, and done my best to attempt to contact the Department of Education directly regarding the matter, as well as shared my experiences with the XXXX. 

I have recently as of the month of XXXX, filed disputes with all 3 credit bureaus, and all 3 major CRAs ( XXXX, XXXX, Experian ) have all failed to remove the XXXX XXXX loan accounts from my credit report as is required by law. 

Per the settlement, I should have received all monies paid to the Department of Education for my XXXX XXXX loans, full discharge of my XXXX XXXX loans, as well as full removal of the information from my credit report no later than XX/XX/XXXX. To date, I have received no relief.
Product: Mortgage

Tuesday XX/XX/year> My wife and I applied for a Mortgage Loan with the North Carolina State Employees located at XXXX XXXX XXXX XXXX XXXX NC XXXX. Loan application # XXXX amount applied for {$150000.00} Senior Mortgage loan specialist XXXX XXXX ( XXXX # XXXX ) Saturday XX/XX/year> I received an email from XXXX XXXX stating that we had been approved. See email : XXXX XXXX XXXX & XXXX XXXX, Congratulations! You have been approved for a mortgage loan with State Employees Credit Union. You should receive an email from XXXX that contains instructions on how to access and electronically sign your disclosures. Please let me know if you do not receive this email and/or if the link within the email has expired. Underwriting and closing will be contingent upon a thorough review and verification of provided information and the subject property. The loan was then turned over to XXXX XXXX on XX/XX/year> to assist us through the mortgage process. We e-signed all documents only to discover that NOW we did not qualify for the {$150000.00}. My wife and I had to do a second application for a lesser amount of {$60000.00}. Just as we did for the first application we e-signed and were approved. The request was for home improvements to a very old home that we would like to renovate. There is no money owed on the home and the property value is listed at {$170000.00} My credit score is XXXX and my wife 's XXXX. Yet we were still denied the loan after receiving XXXX approvals, We have had many loans with North Carolina State Employees Credit Union and always paid on time and have been in good standing. The reason they said they denied the loan was because the home we want to renovate did not have central heat and heated by was of gas. The home in which we live in is paid in full. If that was the case then why were we not told of this before we applied and they approved both loans. 
Although we only wanted to do a XXXX year loan and not XXXX, I guess when they saw that my wife is going on XXXX and I will soon be XXXX they decided they did not want to give us a loan, I just want someone to make it make sense. We have good credit, deeds clear and free and we paid off the items they requested for us to pay off and I had to get the gas company to move the gas tank back just to prove to them that the house had sufficient heat source, for them to send a denial. I am out of money and time. See denial received. 

Mortgage Processing From : XXXX To : XXXX ', XXXX ' Cc : XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX PM Good afternoon, The appraisal report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been returned to us, and I have attached a copy along with a cover letter. Upon further review from our underwriting department, we will not be able to proceed with the loan as the heat source is not permanently affixed to the home. 



If you have any additional questions, please email XXXX and copy XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Office Hours : XXXX AM to XXXX PM, XXXX XXXX XXXX
Product: Debt collection

as of this date, i have not recieved any documentation or evidence validating the existence or legitimacy of this debt, i am foremally requesting that you provide me with full documentation to substaiate this claim 15usc1692f
Product: Student loan

I am deeply disturbed by the recent news that the Navient, formerly XXXX XXXX is going to be subject to enforcement action by the CFPB due to their business practices. Both my wife and I have a consolidated account with them and want to pursue assistance to deal with the unfair and deceptive business practices of that company. We consolidated in XXXX under duress and with no options or discussion of the impact of that decision. Due to our financial situation at the time, we were told that deferment would be the best option and at no time was any income-driven plan discussed for repayment. We spent MANY hours on the phone between XXXX and XXXX in attempts to resolve our situation, or work out a solution, but it is clear there were other options that were not discussed. In addition, because we consolidated accounts as spouses, we are not able to apply for public-sector forgiveness that is available to others working in our same jobs, solely due to the fact that we consolidated under the direction of XXXX XXXX. Between XXXX and XXXX we accrued interest and late fees totaling approximately {$20000.00} as our balance in XXXX was {$58000.00} and in XXXX it was approximately {$78000.00} ; we have been working to pay that down since then and our current balance is {$71000.00}. I am requesting your assistance to reduce our loan amount due by that amount as we have suffered excessive charges that would not have been applied to our account had this matter been discussed. Finding proof that XXXX/Navient appears to have deliberately acted in ways such as this is sickening as it directly impacts our family 's financial future. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

There's an added fraud alert on my file, I didn't initiate on adding any fraud alerts on my file.
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to resolve this situation and also credit bureaus since XX/XX/year>, they would give you a predatory repayment plan and continue adding fees on top of fees. Once they get you signed up its never any more communication. I believe they have violated fair lending laws through deceptive and unfair practices, excessive interest rates, hidden fees, misleading terms and aggressive collection tactics. 

Despite my efforts to resolve these concerns, Onemain has failed to provide transparency or fair treatment. Their actions have caused significant financial hardship, and I believe they should be held accountable. I request that your office investigate this matter and take appropriate action to prevent further harm to consumers. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized accounts and inquiries on my credit report following a recent data breach in which my personal information was compromised. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts and inquiries blocked and deleted from my credit file. Below are the details of the accounts and inquiries that require immediate action. 
Unauthorized Accounts and 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 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 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 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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$790.00} XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. 

The following tradeline item is inaccurate. 
Account Name : XXXX XXXX  Account Number : XXXX I have XXXX late payments on an account that I was in fact Paid On Time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate and provide verifiable PROOF with records showing that I had late payments. If this information can not be verified I demand these payments be updated to XXXX XXXX XXXX immediately. The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD
INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE
THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE
REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF
CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVE
MORE THAN 30 DAYS AGO I WROTE AND REQUESTED "PROOF" OF THE ORIGINAL CONTRACT WHICH
CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE
CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND
BACK TO ME.
I AM NOW ASKING YOU TO DEMAND TO THE CREDIT BUREAUS THAT THEY IMMEDIATELY REMOVE THESE
FRAUDULENT ACCOUNTS, AS THEY ARE HINDERING MY ABILITY TO OBTAIN CREDIT, AS WELL AS RUINING ME
FINACIALLY! 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: Debt collection

I am a victim of the Equifax XXXX XXXX, my information has been used to apply for credit cards, living rentals, and other billing activities that are on my experian credit report. I have tried repeatly to removed these things off of my credit report. I recently found out that my information has been used to lease a home in XXXX, NJ. I'm from Texas and never lived in NJ. I have been a victim of this Equifax XXXX XXXX more than once and I'm tired of being responsible and paying for other people actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Vehicle loan or lease

There was a verbal dispute with the agent that took my payment. I was never offered a way to pay back and get the car back. I was told it was tough luck. I asked for an extension as I was unable to pay at the time, and was not provided any assistance. A week later they took the vehicle.