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

I have sent several letters to the three reporting agencies and to AES/PHEAA about this account. I have asked for original paperwork to support the loan. All I have received is a promissory note. I asked for all paperwork with my ID attached. Never received what I asked for. As I periodically checked my credit report, I noticed the account was closed and transferred. I filed my taxes and found out the day that I was to receive my refund that it went to the Department of Education. How can they collect when they closed out the accounts and transferred to what I found out is XXXX XXXX XXXX? I called AES/PHEAA on XX/XX/XXXX and they told me they closed out the loan and transferred to the collection agency. Again, how can they collect on a debt when they no longer own? The lady I spoke with on XX/XX/XXXX told me that a letter was sent to me dated XX/XX/XXXX stating that I had 65 days to take action. I told her that I never received it. She stated she could send me another letter. The lady also stated that she will contact my employer to garnish my wages. I spoke with an attorney and that is not legal in Pennsylvania or Texas. What good will that do? They already took my money and as far as I am concern, the letter comes after my tax refund was taken. The problem is collecting on a debt that they no longer own. If I had received the letter, I would have taken action. I never mess with the IRS or let anyone take my tax refund. And if XXXX owns this loan now, what happened to them contacting me, why does it not show on my credit report? AES/PHEAA should not be able to collect on debts they stated that they no longer own. On my credit report, these items show as closed/transferred. They should not be an exception to the rule when it comes to collecting a debt. They should be held to the same standards as all creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and 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 my file at Experian and XXXX are 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 item 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX Inquiry Date XX/XX/2021
Product: Debt or credit management

In XXXX of XXXX  I signed up to the company that goes by the name Northstar Legal Group which claimed to settle debts. The idea was to consolidate outstanding loans and make it one payment. They gave me strict instructions to NOT talk to the credit card companies or any of the places I had a debt with. They instructed me to ignore the phone calls or any threatening letters I may get from the people I owe money to. They instructed me to STOP all payments to any of the companies I owe money to. Ive paid them {$370.00} every month since XX/XX/year> and to date Northstar Legal Group have done absolutely nothing to pay any of my debts. They keep collecting money on a monthly basis with little to no communication about any debt relief. Ive only gotten BAD credit with creditors even though Northstar Legal Group assured me my credit would be very good if I let them deal with the creditors which they said typically is about 6 months. Its been over a year and I can only imagine the people who Ive now ignored for over a year at the behest of Northstar Legal Group will be sending me dates for me to appear in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA Inc. is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with  PROOF was on XX/XX/2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I noticed unauthorized and fraudulent credit inquiries on my credit profile across multiple bureaus, including XXXX, Equifax, and XXXX. These inquiries include a XXXX dealership inquiry, even though I am not currently shopping for a car and never initiated this request. Additionally, I did not authorize the XXXX XXXX credit inquiry, which occurred over the weekend. I believe I am a victim of identity theft and request the immediate removal of these unauthorized inquiries. Please confirm receipt of this dispute and provide updates on the resolution.
Product: Mortgage

I would like to submit a formal complaint about Nationstar Mortgage LLC. I have been attempting to work with them for the past several months to bring my account current. They are unwilling to help or assist in anyway. I made a double payment on XX/XX/2017 only to have it refused and sent back. I contacted Nationstar and was told my house was set to foreclose and go up for auction XX/XX/2017 and I could no longer make payments unless it was in full. I was never notified of any foreclosure and certainly never notified of an auction date. I immediately engaged a non-profit, XXXX specializing in these matters and supplied them with all the info and documents required to work out a repayment. They never heard back from Nationstar and neither did I. In a state of panic I listed my home for sale and received a contract within a few days. The contract and sellers agreement was given to Nationstar and also to XXXX. I got confirmation that they did in fact receive it twice by both parties. Still Nationstar did nothing to postpone the auction or provide me with any formal communication of postponement. My closing was scheduled for XX/XX/XXXX and Nationstar still would not communicate with me nor the non-profit helping me, only to say " you have to wire payment in full to stop the XX/XX/XXXX auction. '' Title search was completed by closing attorneys and they could not find any evidence that the house was in foreclosure and set for auction. To this day I still have not received and formal notification from Nationstar telling me my house is in foreclosure and set for auction. I only found out verbally in XX/XX/2017 because I called them about the returned payment. I am in shock that they could act this way and just take my home without any notice and a refusal to work with me or the non-profit I engaged for help. I have googled my address and some sites indicate that my house is set for Auction on XX/XX/XXXX even though I have a binding sale in process. Nationstar has ruined my credit, tried and still are trying to take my home but will not put anything formal in writing. They are horrible!!!. In light of their what I believe to be illegal actions, my realtor, buyer, and closing Attorney managed to pull off a miracle and closed my home on XX/XX/2017. Insult to injury, Nationstar would not provide a pay-off for my home to the closing attorney nor would the attorneys representing Nationstar. I fortunately had requested a pay off statement on my own and that is what we used to close with. Included in the closing statement are a bunch of erroneous charges that the closing attorney questioned, one was for {$45000.00} just listed as Lender Paid Expenses. What is this? I can never get any answers or explanations or even the same person on the phone when I call Nationstar. Please help! I am afraid that even though my house has been sold and I have confirmation that they received the wire of all funds paying off the loan, That they will still put it up for Auction on XX/XX/XXXX. I ca n't let that happen to the new homeowners. I am begging for help here ... I have never received any notice of sale or order setting sale.
Product: Checking or savings account

I've been trying to get a copy of bank statements from XX/XX/2015, XXXX to XXXX to be exact, there is a charge from XXXX in the amount of XXXX which I need to find. This information is for a fraud claim and reimbursement of it. The statement showing the charge is needed to provide to the claim administrator. The account with TD Bank is now closed, however, I do need said statements to find this charge.
Product: Checking or savings account

A XXXX transfer was initiated in XXXX from Ally Bank for {$500.00} to XXXX XXXX. When the funds were not received I asked what happened and was provided a tracking number. The receiving bank indicated that they had not received and the transferring bank should make a request to the receiving bank to reverse the transaction. The transferring bank refused indicating it was my error and tough luck, I verified the account but that was not where it was sent. and they sent me to the portal which does not provide the detail. I asked for a supervisor call back 2 weeks ago, still waiting.
Product: Mortgage

During the underwriting around XX/XX/XXXX we were informed that the builder could not pay our closing cost because we owned the land the house would be built on. I was told that if we didnt own the land out right that the builder was allowed to pay the closing. Furthermore the bank has a lean on our land. When I inquired I was only allowed to speak to the branch manager they would not allow me to talk to anybody higher. I was told they would communicate it up and get back with me. As of today XX/XX/XXXX one body has given me an explanation. We had to pay a full years insurance, buy three surveys which the last one was only a copy of the first house survey with a driveway and different date. I have inquired an explanation on this as well at the same time. Still no explanation or response. The North Carolina State Employees Credit Union seems to have a short chain of command. I am disgusted that a state funded organization doesnt allow a member to address issues higher than the branch manager.. 

Copy of email from underwriting : The construction Loan Underwriter sent me whats below. Basically, they are requesting that the surveyor revise the foundation survey to reflect the completed home and indicate the driveway along with the survey stamped, dated and signed. 

I paid for the same survey twice ...
Product: Debt collection

I am writing to lodge a formal complaint against XXXX XXXX XXXX, CKS Financial and CKS Prime Investments , LLC, an entity operating under the holding company Velocity Investments , LLC, spearheaded by XXXX XXXX XXXX XXXX. 

Over the past few months, I have received multiple unsolicited calls from a number associated with these organizations. On each occasion, the callers have been reticent about their identities and their company 's purpose. This includes not properly identifying themselves, abruptly ending the call when asked for identification, and insisting on personal confirmation before disclosing any information. 

Specifically, the dates and times of the calls are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All but the last were unanswered as I was unable to while working. On the day of the final call, I decided to answer the phone. During this interaction, the representative asked for my name without properly identifying himself or stating the purpose of the call. After multiple attempts to ask for his identity and company representation, he abruptly hung up. This call lasted a mere XXXX seconds. 

Immediately following this, I called back, hoping to gain clarity about the nature of these continuous calls. However, the representative I reached, again, refused to identify himself or the company he represented, and immediately asked if I was " <my name> '' This call ended after XXXX seconds, with little progress made. 

I called back one more time and I was able to speak with a female representative who informed me that they were calling from " XXXX XXXX XXXX '' on behalf of their client, CKS Prime Investments , LLC. I was told that I owed a debt significantly higher than what has ever been reported on my credit report. The representative claimed that such increases were normal, and cited an example of a consumer who had a {$200.00} XXXX card but had to pay {$700.00}. I was shocked at this admission. I inquired about how to remove this from my credit report, but was informed that even if I paid in full, CKS Prime Investments would not remove the mark from my credit history, only label it as " paid in full. '' There are inconsistencies with the debt amount these companies claim I owe. Not only is the amount higher than the original credit limit of the card, but I was also informed that even if the debt were to be paid in full, it would not be removed from my credit report. Furthermore, the debt is being reported twice, once by XXXX XXXX XXXX and again by CKS Prime Investments. This claim appears to be part of a pattern of trading debt among affiliated companies to maximize profits or evade regulatory scrutiny.
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$46000.00}
Product: Money transfer, virtual currency, or money service

I traded in my XXXX  bmw XXXX that I had for 2 years. I had extended warranty on it that didnt even start yet cause I was under factory warranty and I traded car in over year ago and have been waiting for my refund the entire time and bmw says they called dealership in Cali where I bought car and are waiting. Ive emailed and called. Over and over for the entire uear talked to manager at dealership where I bought car. Still no refund. The dealership where I bought the car who owns me the refund for extended warranty is in California. New century bmw in XXXX, California. And I traded the truck in to bmw dealership in nj called XXXX bmw. I think Im owed like 4-6k I payed for extended warranty.when I called bmw financial about it they said the dealer has to refund me and they cant help me
Product: Mortgage

Our mortgage was transferred to BSI Financial and they are awful. It took them over six months to update our credit reports with the new account. They are incredibly difficult to get service from and frequently provide contradictory advice when we call them.

Our most recent issue is trying to get PMI removed from our loan, as the balance is less than 80 % of original value. When we first inquired about this, we were told to order our own appraisal as the lender could not order it for us. We consulted with local appraisal companies and were told that if the order didn't come from the lender, it would not be appropriate. So we decided to wait until the loan fell under 80 %.

When the loan fell under 80 %, we got a letter from BSI saying that we needed to submit a written request to cancel PMI. We submitted a written request on their website, which was ignored. When we called back, we were told to write a letter, but not where to send it. When I called a third time, I was given a form to fill out, which required a charge to order an appraisal - something we were told we had to handle ourselves. We ordered and performed our own appraisal already. When we asked to speak to a supervisor to find resolution, we were placed on hold indefinitely.
Product: Credit card or prepaid card

I have tried numerous times to contact the company in regard to my issues. 

My first issue was needing to change my linked bank account since the one on file was in the process of being closed.I reached out on XX/XX/22, XX/XX/22, XX/XX/22 requesting the link and permission to change my bank account. I received automated messages stating id be contacted in 2 business days. I received no response. Payments were still being taken from my bank account. Out of no where the terms and services changed and I was charged an {$80.00} annual fee. It wasnt until XX/XX/22 and after you all reported to the Credit bureau that I was able to finally receive the link to link my new other account. 

My current issue is I was randomly asked to submit verification of my identify to the company via the app. I was asked for a picture of my social security number, front and back photos of my government I.D, and a photo of myself by XX/XX/22 or I would be unable to access my money. I felt uneasy but still submitted this to you on XX/XX/22. I was told it would be a 5 day verification process. Today I write to you on XX/XX/22, 11 business days later, because I am still waiting to be verified. I am in dire need of access to my credit. Please understand the inconveniences has put on myself and others!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/1994. I reviewed my consumer reports and noticed that there was an inaccurate account ( s ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX I contacted Experian and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.
Product: Checking or savings account

Late XXXX-early XXXX, I get a notice my savings account is going to be closed XX/XX/XXXX I called about 10 day closure notice XX/XX/XXXX tries to talk In person about closure. I was told the closure is already in process, and can't be stopped XX/XX/XXXX called again to try to get the funds from the account. 

XX/XX/XXXX scheduled meeting about the funds I never got. Told they would get back to me and they havent.
Product: Payday loan, title loan, personal loan, or advance loan

The consumer and natural person was denied credit by UPSTART when she applied for a personal loan, XX/XX/2023, Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 c and is pursuant to civil liability under 15 U.S.C 1692k.

They are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by UPSTART due to the response I received.

UPSTART is in violation of 15 U.S Code 1642 U.S.C 1681m and 12 cfr 1002 because I the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and received NO benefit. This proof of fraudulent activity ( unauthorized use of credit card ) on behalf of UPSTART