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

On XX/XX/2023 my burrow defense case has been approved and both loans STUDENT LOANS TOTALING {$14000.00} DEBT AND BOTH ACCOUNTS NEED TO REMOVED FROM MY CREDIT FILES AS THEY HAVE BEEN DISCHARGED. PLEASE CONTACT ME DIRECTLY IG YOU NEED EMAIL CONFIRMATION. PLEASE CONTACT FEDERAL STUDENT AID. AND REMOVE DEBT.
Product: Credit card

On XX/XX/XXXX, I contacted Prosper Credit Card to make a payment. The person took my payment. I asked if they can assist me with the app so I can make payments and not have to call. When the person came back to the line, he stated he had to back out of my payment because my account went to a XXXX Attorney. My account was one day late and I made a payment the prior month. He stated to contact XXXX XXXX XXXX @ XXXX. I was in disbelief and waited a few days. I called the XXXX XXXX on the following days XX/XX/XXXX, XXXX, XXXX and last time XX/XX/XXXX. Each time I spoke to a different agent and each time was told they have no record of me by name, SS # & or DOB. I contacted Prosper again each time and each time they refer me back to the XXXX XXXX that has no record of me. Each time I speak to a Prosper XXXX they see it was sent but can not tell me when, nor have they given me any notification. Of course I have not received one from the XXXX agency, because they have no record of my paperwork. As noted I first made contact on XX/XX/XXXX, tomorrow will be one month and each month shows me more delinquent as Prosper states they can not take any money from me. I told them now I just want to pay the entire amount off to rectify my credit status but am in limbo. 
Prosper put in an issue report # XXXX, on XX/XX/XXXX that was addressed to my XXXX XXXX name XXXX XXXX whom I divorced XXXX yrs ago, to which we never had a joint credit card account. I am baffled and exhausted as to what to do. I just want to make sure my credit rating is not going to be affected by this issue. 
I just checked my credit report and it list ACCOUNT STATUS-Closed XXXX then it states REMARKS - Cancelled by XXXX XXXX. States last payment made XX/XX/XXXX. 
Please help me make sense of this as Prosper is not helping. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received numerous letters from Capital One for several months about being pre-approved for the Capital One Secured Platinum Card. I decided to give them a call to see what where the benefits of the card since all of the letters that where sent me had pre-approval codes on them. When I gave them a call I got transferred to the applications department and they gave me a brief explanation of the card. I told them I was going to call them back since I was not ready to apply for the card Last Month. This past Saturday ( XX/XX/2018 ) I seen that Capital One Bank was a hard inquiry on Both my XXXX and XXXX  credit reports from my XXXX XXXX account. Capital One applied to the card for me without my consent. I since decided to contact them that same Saturday but the applications department was closed due to the weekend. So I called during business hours which was the following Monday and The representative from the Applications department told me that there wasn't any applications I applied for on the card. The representative told me to contact all the Credit Bureaus about this issue and to do a victim statement. And that the Fraud department from Capital One is going to do an active investigation. Which could take 7 to 10 Business Days. 

I am writing this to see if there is anything CFPB can do to help me on this. 
I would greatly appreciate it, Thank you, XXXX XXXX
Product: Mortgage

Carrington Mortgage Services, LLC XXXX XXXX, CA XXXX I am writing to inquire about a recent escrow analysis and my escrow balance. On XX/XX/XXXX I requested an escrow analysis because my mortgage payments increased and I wanted to know what was the catalyst that caused my payments to increase. I was told that the mortgage payment increase was due to an increase to my XXXX County real estate taxes. I recently requested another escrow analysis on XX/XX/XXXX because I believe the amount that is being escrowed to cover real estate taxes and insurance is over-stated. 

My first question is why is only {$320.00} being applied to my escrow account and not {$330.00}? Per my monthly mortgage statement a total amount of {$390.00} is being applied to my escrow account, less {$65.00} for FHA Mortgage Insurance. There is a variance of {$13.00} per month that should be applied to my escrow account, but it is not reflected in any of my monthly statements. 

$ XXXX- Monthly Escrow $ ( XXXX ) - FHA Mortgage Insurance XXXX XXXX- Escrow for Taxes and Condo Insurance My second question is why the amount that is being escrowed so grossly overstated? The total payments going out for the XX/XX/XXXX year will be and estimated amount of {$3800.00} ( Condo Insurance, FHA Insurance and County Real Estate Taxes ). However when I calculate the total amount that will be escrowed of XX/XX/XXXX, I am showing a total of {$5700.00} ( $ XXXX*12 months ) + XX/XX/XXXX Ending Escrow Balance of {$900.00} ). Even with the required balance of {$510.00}, I am estimating that my escrow account is overstated by at least {$1200.00}. Please see attached work paper for details. 

I am requesting a review of my account by someone in the Escrow Analysis Department as I believe there are some discrepancies that should be addressed. 

Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND COMPLAINT! The first one was submitted on XX/XX/XXXX. 
I am a victim of the hurricanes that happened in XXXX, as well as XXXX. Previously, when I submitted my complaint it was regarding the credit reporting for XXXX  XXXX XXXX and XXXX XXXX. In reviewing a copy of my current credit report I find inaccurate information relating to both these accounts. I have tried contacting XXXX  XXXX XXXX and XXXX XXXX, as well as, speaking to the credit bureaus, XXXX, Equifax and XXXX  regarding this issue. No one is resolving the problem! 
First of all, the XXXX  XXXX XXXX account reflected on XXXX  was corrected after my dispute to show a charged off, closed account which was last updated in XXXX, XXXX as a charge-off instead of an update in XXXX, XXXX with a separate charge-off for the month of XXXX, XXXX, XXXX, XXXX. Now, today the account shows a status date of XXXX, XXXX with a balance updated XXXX, XXXX and two separate charge-offs for the months of XXXX and XXXX. The report shows a charge-off in XXXX, XXXX but does not show anything for the months of XXXX, XXXX thru XXXX, XXXX, then it shows charge-offs in XXXX and XXXX. This information is inaccurate and confusing! 
Next, Equifax shows the account as a closed, charge-off account with a status updated XXXX, XXXX and charge-offs on the months XXXX, XXXX, XXXX, XXXX, XXXX. The account is closed. The charge-off was made in XXXX, XXXX. They should not continue to report a charge-off. Re-reporting the charge-off every month is ruining my credit. The hurricanes, the pandemic and this inaccurate credit reporting will end my business! 
XXXX XXXX  just continues to show the account as charged off every month. So far, for the months of XXXX, XXXX, XXXX, and XXXX, XXXX. They did not try to resolve the matter when I disputed it. 
PLEASE SEE THE ATTACHED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bellow account name is unrecognize on my file from Equifax Report XXXX XXXX I have no relationship whatsoever nor have an account with this company. Equifax had placed it on my file. 

I want this account to be deleted.
Product: Credit card or prepaid card

Made 3 payments, all 3 posted then reversed.
Product: Credit reporting or other personal consumer reports

Credit Bureaus need to update my personal information to reflect ONE name and ONE Address. 

My Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX ALL other version is NOT me or mine and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I reported invalid credit inquiries to XXXX and Equifax. There are numerous inquiries on both accounts from XXXX XXXX that need to be removed, as they are not valid. I was told they would be removed within 21 days and I have yet to see any changes.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting an eviction on my consumer report, on XX/XX/XXXX I requested the permissible purpose for this company to access my information under consumer law 15 USC 1681b. It is now XX/XX/XXXX which I have not been provided this information. Therefore, under consumer law 15 USC 1681N this was and unauthorized access which is a direct violation under this law. Not only that they are under violation of 15 USC 1681i where a company has 30 days for an investigation. We are well past this date as today is XX/XX/XXXX. This company is willfully non complying with FCRA consumer laws and violating my rights therefore I am requesting all remaining items to be permanently deleted as they have not been verified as of today. I've also noticed I am receiving multiple documents from them with the same date ( XX/XX/XXXX ) however all information has not been listed that I disputed.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Credit Report Errors and Consumer Rights Violations Complaint Dear Sir/Madam , I'm writing to dispute inaccuracies in my credit report and file a complaint against the debt collection agency and credit bureaus involved. My issues include : 1. Closed accounts reported as open.

2. Illegal attempts to collect charged-off debt.

3. Wrong late payment entries.

4. Non-compliance with FCRA reinsertion notification requirements.

5. Dismissal of my verification request as " frivolous. '' 6. Prohibited inclusion of income information.

7. Unauthorized sharing of my personal information.

8. Lack of required 1099C or 1099A forms from XXXX XXXX XXXX XXXX. 

There are also inaccuracies regarding account dates and a failure to report correctly, violating my privacy and consumer rights as per various sections of the USC.

15 U.S. Code 1666b 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ).

Immediate correction and action are necessary to resolve these serious issues.

See attached for proof of my claims, my credit report and my letter in full detail of this claim and violations of FRCA Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

1. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to authorized this inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : Date of Birth : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 60 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.
Product: Consumer Loan

I was notified by the IRS that Beneficial Finance submitted a XXXX for the XXXX tax year for non payed debt charged off debt dating back to to XXXX. This resulting in taxes owed to the IRS for earned income from many years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is using a deceptive sign-up form for their Credit Monitoring product. Consumers think they are filling out a form for a one-time credit report and credit score.  TransUnion attempts to hide from the consumer 's view that they will immediately be charged {$19.00}, and then charged this amount monthly thereafter. They do this by placing the details on the lower right-hand side of the web page. 

THIS SHOULD BE PROMINENTLY DISPLAYED IN THE CENTER TOP PART OF THE FORM! 

The second page of the form - where you enter your credit card number - has absolutely no mention of the pricing and recurring charges. There is a Service Agreement link in  small print at the bottom of that page. Otherwise, there is no confirmation through the rest of the sign-up process that you are signing up for a subscription service. 

The fact that they designed the form this way clearly demonstrates their intent to be deceptive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, Equifax, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Santander is refusing to Validate this debt as being mine. I have successfully challenged this account for reporting to the Credit Reporting Agencies false, erroneous, inaccurate, and misleading unverifiable info.This account was removed from my credit report twice, and subsequently re-incerted, in violation of FCRA and FDCPA, without the perquisite 5 day notice being mailed to me. 
I have requested proof of this alleged debt several times, to no avail. I am entitled to have the Original Instrument of Indebtedness bearing my signature, I, m entitled to Calculations of Deficiency Amount including fees and interest, and all of the mandatory notices associated with this collateral ie.. 
*NOTICE OF SALE *RIGHT OF REINSTATEMENT NOTICE *POST SALE NOTICE *ACCOUNTING OF SURPLUS NOTICE *RIGHT OF DEFAULT NOTICE DISPOSITION OF COLLATERAL NOTICE just to name a few things that this company is refusing to provide me with in order for me to Validate their claim that I owe them. 

After my formal complaint to the CFPB Santander closed the account, but this false info is still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting incorrect and inaccurate information such as Opening date & Account Status, Etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aargon Colletion Agency XXXX Aargon Collection Agency reported XXXX late payments on my credit history, knowing in fact it was an error because they removed themselves off the report but not before removing the late payment history resulting my score lowing by XXXX points. This malicious and devious behavior is why I reported them to XXXX!!!! I even called customer service through XXXX  on XX/XX/2019 to have them explain the situation to me in which they verified on XX/XX/2019 Aargon Collection Agency reported XXXX late payments. I do not have games to play with this company. I would like them to remove the late payments off my record as it is there by error.
Product: Credit reporting or other personal consumer reports

I am attaching materials confirming the continuing unlawful omission of my suffix and variation of my name and address. Each of the attached items arrived after I initiated my complaints. 

An identity theft report ( XXXX XXXX ) is currently pending with my local enforcement office ( concerning XXXX activity and recent omission of my suffix ). Failures to correct my name and address ( as previously requested ) could easily impede the investigation of the aforementioned report by local and/or state law enforcement. 

I have filed multiple reports seeking the correction of my name and address. Although this is a purely ministerial request, the attached materials ( transmitted via USPS ), however, suggest an almost comical, concerted effort to do otherwise. 

What may seem comical to TransUnion, XXXX, XXXX, and/or others, however, may be criminal in the eyes of state and local law enforcement, so I need to alert the CFPB to the attached. 

In an abundance of caution, I am also attaching a report revealing a mistaken date of birth. Although I was conceived in XXXX, I was born in XXXX. Alerting the CFPB to this report seemed the easiest was to eliminate any Date Of Conception ( DOC ) XXXX constructs relying on the attached or similar documents.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 several accounts that are reporting incorrect on my credit some of the same accounts are reporting twice some have missing information. Some even have the wrong start dates or even 2 or more different start dates
Product: Debt collection

Cash-net USA keeps calling my phone trying to collect a debt that I do not owe. Have not even been in contact with CashNet USA for a loan. They called 6 times today and restricted their number once to leave a voicemail. I am asking them to not contact me period. I do not have any loans with CashNet USA. If they continue, I will seek legal counsel and pursue litigation. If they think I owe the debt, the MUST validate the debt and follow the laws.
Product: Debt collection

DATION AND CEASE AND DESIST Collection agency name : Midland credit Mgmt Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Prepaid card

I filed a dispute on XX/XX/2024 about fraud charges on my account due to a stolen card. This company have not responded, and I haven't been offered a provisional credit while an investigation be conducted. A due process investigation would take up to XXXX to complete, with sufficient documents I could submit to the police station I filed my police report with.