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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened XXXX. XXXX XXXX  Balance {$17000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX  Balance {$18000.00}.
Product: Mortgage

Veterans Home Loans unlawfully violated my Privacy Act under Federal and State Regulations and invasion of my Privacy. 
In XXXX I filed Federal complaints with CFPB on issues of VA Loan denials because of my Lifetime Disability. During the VA Process I provided my social security and my private information and Veterans United Home Loans saved all my private information on their data. 
In which I told them to delete all my my private information on their data, but it appears Veterans United Home Loans used my private information for VA Loan unauthorize pulled credit on XXXX XXXX as I didn't give no authorization by verbal or online. 

Why Veterans United Home Loans will not provide evidence of my Authorization of consent to pull my credit with XXXX, XXXX  and XXXX? 
If Veterans United Home Loans can not provide evidence of my written hand signature consent as evidence for Federal Government. 
Veterans United should remove and permanently the unauthorize hard inquiry on my XXXX, XXXX and XXXX  immediately. 

This is a Privacy Act violations and ADA Department of Justice as I am XXXX XXXX, Retired and a XXXX XXXX XXXX Military Veteran.
Product: Credit card

To Whom it may Concern : I am hereby writing this letter to request for a onetime settlement of the outstanding balance 's on my comenity card accounts. I have been struggling with financial difficulties for the past six month on accounts of my lay off due to the economic downturn. I am finding it very difficult to make monthly payments to my account. I sent you a letter dated XX/XX/2016 stating I wanted to close my accounts and make a settlement amount and I have yet to receive a response in regard to that. I keep getting multiple calls through the day threatening legal action and it is very distressing. 
I am currently negotiating debt with several creditors and I have only a limited amount of funds. Some of the conditions that I want for this payment are as follows : The payment will be full and final settlement of my credit card outstanding balances for XXXX, XXXX, XXXX and HSN No legal action will be initiated against me in future for any payments I will be removed from the defaulter 's list from your records. 
No threatening phones call from your customer service that I have already received ( I have a copy of the voice messages. 
If your company is willing for this one time settlement then please write back to me and I will make the necessary arrangements for making the payment and also draft the debt settlement agreement. Do not contact me by phone, you can contact me XXXXXXXXXXXX. 
I will be glad to receive a positive response from your end. 
Yours sincerely
Product: Vehicle loan or lease

Today XX/XX/XXXX I was in a accident and my car is undrivable I was told when I purchased my car a XXXX XXXX XXXX that the dealership was setting up full coverage so I didn't need to seek it myself the conversation happened XX/XX/XXXX. When I got on their website Vroom had closed down their used car end, to which I never recieved notice, their customer service number found online online lead to a dead line and the roadside assistance/gap claim lines both informed me that I had GAP and a warranty ( which I never asked for or understand how I got ) and any attempts to ask them to transfer me to the dealership side or a side dealing with the dealerships information they just sen me back to the same number I originally called them at which asked if I wanted keys, roadside or gap representative. I do not have full coverage through any other company as I was told I had it through my Loan, I spoke with XXXXXXXX XXXX who said besides the GAP insurance they couldn't see anything and recommended I speak with Vroom so I am currently left with a massive bill/loan and no coverages to help me
Product: Checking or savings account

I can not access the information due to being locked out of the account by Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing and challenging the debt XXXX XXXX XXXX  says I owe.

The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all 3 credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a XXXX  student.
Product: Credit reporting

I disputed XXXX XXXX from my TransUnion credit report I believe XX/XX/2015 and the item was deleted. I am now checking my report report from XXXX XXXX and this creditor is reporting back on TransUnion once again.
Product: Debt collection

They called me at work. Went thru the XXXX Department to get hold of me. I told them that I had asked them to not call me or my husband at our place of work as it could jeopardize our jobs. They continued to try to work something out with me thru threatening remarks. I gave them the phone number of the debt company we are working with to help us. I told them that I could not discuss this with them, that they were to contact this company and they continued to harass me. I finally hung up on them.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates reported.
Product: Credit reporting or other personal consumer reports

I have disputed the account XXXX XXXX on my Experian credit report several times. Experian is not investing the case at all. I have opened a dispute with Experian twice and both disputes were opened and closed within two days, therefore letting me know that they were closing the disputes without during the proper investigation. I do not owe any debt to XXXX XXXX nor XXXX, the company they are representing. Experian continue to report this fraudulent information on my credit report. I sent a copy of the payment transaction from my bank statement directly to Experian to show the full amount had been paid to XXXX on XX/XX/2019, which my bank XXXX can verify. I have asked Experian over and over to remove it from my account. Instead of Experian removing it as it is not accurate, it was updated on my account as closed. They are not in compliance with the CFBP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX increased our monthly payment amount on our mortgage late in 2019 to approximately {$2700.00}. The changed occurred in XXXX, and we were not aware of this change. We consistently paid in excess of the previous monthly amount. Prior to the change our monthly mortgage payment was approximately {$2500.00}. We would pay anywhere between {$2700.00} and {$3000.00} a month. I believe we paid {$3000.00} in XXXX. Again, because we paid {$3000.00} the payment change went unnoticed. In XXXX we paid {$2700.00} thinking our payment remained at the {$2500.00} amount. XXXX XXXX did not apply the amount and we were not aware that we were short {$70.00} until the account went 30-days late. Once we discovered the issue it was immediately correct. 

It should be clear to any reasonable person what occurred with this situation. The change in our monthly payment happened so late in the year it was not expected. We thought we were paying in excess of the monthly amount due in XXXX. 

We are disputing the 30-day late notice on our credit report for this reason.
Product: Mortgage

I mad a {$1700.00} payment in XXXX through my XXXX  XXXX XXXX the mortgage company Mr Cooper sent it back to the bank. I resent it again. They said they have not received it. I sent another payment {$1700.00} through XXXX XXXX XXXX they have not yet been able to find that payment either. I had the banks talk to them and let them know the money was sent on time and funded. Mr. Cooper has yet to find either payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have signed up in XXXX XXXX since long time to check my credit score regularly which gives me report from Transunion and XXXX. I  am making all payments on time and my score is consistent. Suddenly, on XXXX XX/XX/2020, I saw there is drop of 6 points in both Transunion and XXXX, and further checked there is a note that Remarks had been added to one of your account if you find something wrong you may contact credit reporting bureau. Then I called XXXX but they are very unprofessional and keep me waiting for 15-20 Minutes and hung the call. And as far as Transunion concern they are worst than XXXX and they did not connected my call and when connected it hung up afterwards. So, I want to get it updated and if something wrongly done then it needs to be fixed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Additionally, Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$410.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$2600.00} not mine
Product: Credit reporting or other personal consumer reports

Collector is restarting the clock on the date of first delinquency on XXXX to XXXX on all credit bureaus, this is an illegal practice and must to stop.
Product: Consumer Loan

lendind club do n't let us pay off our debt using other bank account. We have my ant wife living in XXXX and she give us ( money ) ( her account information for that purpose, ( XXXX account ). Lending club is unable to procedure whit a payment for that simple reason that account owner can speak XXXX and they can verify authenticity of the account because they do n't have a translator. or they are concern above the losing money in interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a XXXX year old senior citizen. You have multiple accounts registered under my name with balances due. This is incorrect and needs to be removed as soon as you receive this communication from me!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00}.
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXX name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the items from my file. 
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

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights # 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 XXXXXXXX 15 U.S.C 1981 Section 604 A. States I have the right to privacy 15 U.S.C 1981 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions There is also information that does not belong to me that is being reported on my credit report I already disputed the information and they keep adding it on my credit report I have never lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is not my address
Product: Credit card

XX/XX/XXXX, I paid off my Ally Credit card in the amount of {$1100.00}. I didnt NEED to use it until now XX/XX/XXXX. Upon seeing my account was closed I called customer service, they stated the account was closed due to inactivity as of XX/XX/XXXX ( 7 months after a XXXX payment ). This being new information to me, I dredged through my email and mail and do not have a singular piece of mail/email regarding my card inactivity. Ive been receiving emails from them monthly about promos and the different look of ally but not a single item that states my card is due to be closed because of inactivity. I was never given a chance to ultimately save my credit score from being harmed or keep a healthy line of credit for emergencies.
Product: Mortgage

I am past due 2 months on my mortgage due to no employment. I will be 3 months past due in XX/XX/XXXX. As I spoke to my mortgage company earlier in XX/XX/XXXX they stated that I needed to come up with {$4000.00} to stop any foreclosure process- I explained my situation and advised I can pay XXXX payment now- THey refused my payment and stated that even if I send it in they will not post it and they will send the check back- I sent a payment of {$950.00} on XX/XX/2017 and as of today XX/XX/2017 nothing has posted as I check the website daily.
Product: Credit card or prepaid card

I have been a victim of identity theft, a Citi cash rewards card was opened in my name in the amount of {$3600.00} in 2019. Once the card reported I contacted the credit bureaus that advised me to contact the creditor. I have spoken with the company several times, I have submitted police and etc reports. Citi stated they would send out a theft affidavit but I never received it. I was advised Case number XXXX was assigned in XX/XX/2019 due to fraud. They have informed me that I am not liable for the account. The account was assigned to representative and I have left several messages and no resolution. Citi has stated The card and statements were sent to your valid address, which is the same billing address listed on your CFPB complaint. The address listed is not my address XXXX XXXX. My address is XXXX XXXX XXXX . The statements were sent to my address after disputing account and providing accurate contact information. Citi advised me the original opening address was XXXX XXXX XXXX XXXX . I have provided current and past drivers license with tax returns from 2 years showing correct addresses, I have also provided Identity theft reports, and filed a police report with local enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report a collection from a company named CACH LLC. I have never done any business with such company and should not be reporting any debts under my name.
Product: Credit card

On XX/XX/year>, my second XXXX XXXX debit card received a fraudulent charge online that went through. The amount was XXXX. This amount was taken from my account. I received a fraud alert text message but their system was not responsive. I called the number on the back of my card and couldn't get through. It is very interesting that their phone system was down at the same time this happened. I was able to get through and filed a fraud claim couple of hours later. XXXX said the fraud investigation could take up to 90 days. Additionally, my other XXXX XXXX debit card on my other XXXX XXXX account also had XXXX fraudulent charges that were blocked on XX/XX/year>. I believe this is more than a co-incident that XXXX separate XXXX XXXX debit cards were involved in fraudulent activities in les than a week apart. Both cards are not lost. They have never been used online.
Product: Debt collection

This started in XX/XX/year> when I went to the " XXXX XXXX XXXX '' and decided to do a XXXX. 
They gave me an estimate, I accepted, when I went to my visit, I paid my part up front, plus other minor balances that I have with this place. 
When they bill my insurance, they complete wrong the paperwork, so my insurance issues a letter asking for some questions to release the payment. Making the long story short. I called my insurance, gave them the information that they need to release the payment. This company I don't know why they bill again to my insurance. My insurance didn't paid the duplicated bill, but in fact they transferred the amount claimed ( in that opportunity ) to XXXX XXXX XXXX ( the name for the transfer, in that moment was XXXX XXXX XXXX ), it came now that they are asking for the payment under another name, but from the same place. 
I have been dealing with this matter since XX/XX/year>, this collection company Synergetic Communications Inc., called me, sent me letters, I provided all the same information that I am going to provide to you, including emails interchanged with them, where I sent proof of the service been paid. But they insist that their customer XXXX XXXX XXXX, continues saying that my insurance didn't pay. Also I provided the electronic check sent by my insurance ; but they continue saying that the payment never been made. 
In the other hand, my insurance also says that the payment never has been rejected. So this place ( XXXX XXXX XXXX ), RECEIVED THE PAYMENT. 
Today I spoke with an employee that she affirmed that this place is " very common '' that kind of practice to their customers ( send them to collections ), and when you try to challenge them, they denies been paid, and with the threat of ruin your credit, people pays no matter if they are right not owing. 
I have all the records the dates that I called, who I talked to, what they said. And also the emails that I sent to them. I am sending one of them when I asked to verify that the payment has been made.
Product: Credit reporting

I HAVE DISPUTED THIS INACCURATE ACCOUNT SEVERAL TIMES WITH ALL XXXX CREDIT BUREAUS THE ACCOUNT IS XXXX THEY HAVE THE OPEN AND CLOSED DATES AND BALANCE REPORTING DIFFERENT ON MY CREDIT REPORTS ALSO THE ACCOUNT HAS BEEN CHARGED OFF SINCE XX/XX/2010 THEY SAID THEY HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT SENT ME ANY DOCUMENTS VERIFYING THIS ACCOUNT THE STATUE OF LIMITATIONS HAVE EXPIRED FOR THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection that does not belong to me was placed on my Equifax credit report. I have filed XXXX disputes and all have been denied. The collection agency has attempted to add this collection to both XXXX and XXXX, both have been disputed and deleted. However, Equifax refuses to do so even though it should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify my credit and they stated that everything was accurate. However, it is not. I did a thorough search myself and found inaccuracies on my credit report even after they did their careful research. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also my name and addresses are not correct on any of the credit reports. 

My name and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My work name is also incorrect. My correct work name and address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX
Product: Mortgage

Fay Servicing LLC improperly applied thirteen ( 13 ) payments made to them during my Trial Payment Plan and subsequent HAMP modification from the period of XX/XX/XXXX to XX/XX/XXXX. Eleven ( 11 ) of  the payments included additional principal, but the additional funds were not applied to principal. Fay Servicing stated that the additional payments were applied to past due amounts from XXXX and XXXX, during which time they were not my mortgage servicer - and my home was in litigation for foreclosure. Due to the misappropriation of my funds and accounting reversals and late applications of payments on my account, my account balance due has never been correct, resulting in a higher balance and additional interest that I should not be responsible for.