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

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain 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 mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) 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
Product: Vehicle loan or lease

Regional Acceptance Corp reported to XXXX  and XXXX  that I missed my XXXX car payment. 10x I called them n everytime I asked for supervisor I was hung up on.
Product: Debt collection

Account name MONTEREY COLLECTION SVCS XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX This company has filed a negative debt collection to credit bureaus about me. I do not owe any debt as they claimed, there is no creditor - no loan- no mortgage. 

creditor they refer to is a XXXX time share membership which was purchased all cash, no debt owed. more importantly I have not give my social security to them since I paid all cash upfront 15 years ago. How XXXX obtained my social security is questionable and perhaps illegal. I request an immediate action to be taken on Monterey Financial services and demand proof how they obtained my social security.
Product: Credit reporting or other personal consumer reports

I paid a debt to XXXX XXXX XXXX a month ago yet it's still showing on my Transunion credit report, I disputed this to Transunion, and they now say the dispute is being reviewed by the original creditor. 2 months ago, this debt was being collected from a different collection agency. Transunion has done absolutely nothing to attempt to clear this up.
Product: Mortgage

They mis-handled an extra payment I sent to cover for insurance rate increase. They were suppose to back it out, apply it correctly and then all would be fine. That was in XX/XX/2018. I have called every month after getting threatening letters, and they always say they will re-do it. The last time I called in early XXXX, they told me I was 2 months behind! My mtg pymts go out from auto-pay every month on the same day. I've never been late. They keep me on the phone for 2 hours, and then promise to fix it. But nothing changes, and I keep getting threatening letters. 
I'm a XXXX veteran [ 100 % ] and part of my XXXX is XXXX. They keep me on the phone for so long it wears me down. I also have XXXX XXXX XXXX   problems, so I can have a conversation and 10 minutes later I can't remember what was said. So I have tried to keep short notes of each of the last 3 months of calls. On XXXX XXXX, PennyMac responded to the Texas State Attorney Generals complaint I filed. Here is my note : XXXX : PennyMac called me XXXX XXXX. XXXX ext XXXX Dept : Priority Complaints. He advised me that he was recording the call, and when I told him I would do the same, he told me that XXXX would not talk on the phone with me if I recorded the call. I told him 3 times I would stop recording if he would answer my questions. He would not talk to me or answer any questions, and then hung up. I asked him if they were going to foreclose on my home and he would not answer that either. I asked him this question at least 3 times with me, and he would never answer. 
This produces great stress with me. I really don't know what to do at this point. I'm afraid of becoming homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes online through Experian Credit Reporting Agency, made calls to both Experian and the Department of Veterans Affairs concerning the account, and mailed Experian and the Dept. of VA a letter along with many documents that support my dispute about the account being wrongfully labeled as collection/fail to pay. 
They continue to disregard the documents that both show when the Dept. of VA made reference to my educational indebtedness of {$200.00} and the 30 days I have from the date of said letter ( XX/XX/XXXX ) to pay in full. I paid off the amount in full and received a conformation letter 23 days following the initial letter 's date ( XX/XX/XXXX ) that stated that they received the payment and the account is now PAID IN FULL. Despite having met the terms delegated in the letter, I was reported to consumer reporting agencies on XX/XX/XXXX, which is way before the 30-day deadline. To further support my claim of the Dept. of VA incompetence to provide valid information during the 4 times I've submitted a dispute/investigation against them for the same account ( the last one being by mail containing many documents and a hefty letter explaining the Federal Code of Regulations and the VAs inability to follow it explained under 1.916 ( c ), 1.916 ( d ) ( 1 ), and 1.916 ( d ) ( 1 ) ( i-iii ) ). The first 3 results of the dispute stated that I fail to pay/ '' collection '' for XXXX. The last and most recent dispute I submitted showed that they had changed their minds and moved the fail to pay to the month of XXXX, XXXX, instead of XXXX. However, I received a letter dated XX/XX/XXXX that the account is now PAID IN FULL. This clearly shows that the Dept. of VA has no idea what they are talking about, and have been feeding the consumer reporting agencies ( i.e. Experian ) false/undocumented information/lies. As for Experian, they failed to exert any effort in the MANY attempts to dispute said account, despite me handing them everything they need on a silver platter. Also, the times I called both the Dept. of VA and Experian, the associates were unable to provide an explanation for why the letters that were sent to me said one thing, and the actual outcome that transpired was not in the same ball park.
Product: Money transfer, virtual currency, or money service

On or about XXXX XXXX XXXX denied my wire transfer when I talked to approximately 7-8 different people on the phone to restore my funds that was frauded. This business was very very rude, however the conversation ended with one of the employees hanging up on me. I don't have any money to waste I definitely learned from this but to have a bank I trusted with my money to deny and talk to me crazy like that hurts for real.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

XXXX loans have been opened in my name and I did not apply for the loans, nor did I authorize anyone else to open accounts in my name. XXXX company is XXXX and the other is Lending Club. After submitting affidavits with XXXX to dispute the accounts, the debts are still showing up on my credit report. I have also received mail from a collection agency for the Lending Club loan. The inquiries also need to be removed.
Product: Debt collection

Repeatedly asked to provide validation of debt ( XX/XX/2021 & XX/XX/2021. No response has been received, to date
Product: Checking or savings account

On 2017 I opened up a bank account with Wells Fargo that was supposed to be free since, I had my home load as & the checking account was complementary. Months later, my account was at a negative because they had been charging banking fees, when it was supposed to be a free account all along. They closed the account without my notice.
Product: Checking or savings account

On Saturday XX/XX/2019 we had fraudulent activity on our savings account. Someone we do not know transferred {$2000.00} out of our savings account using XXXX into their account. We have never used XXXX and our account shows that the only time it was ever used was on XX/XX/2019 when the fraud took place. We contacted our bank ( Bank of America ) on XX/XX/2019 to report the fraud/transaction. The fraud department is not open on weekends and therefore B of A is saying that our claim was not entered into their system until that Monday XX/XX/2019 and that they could not stop the transaction. Bank of America is saying that they have closed our claim based on their investigation, but has failed as of today to send the information used to come to this conclusion to us the customer when we requested it be overnighted to us via XXXX or XXXX on Tuesday XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Equifax is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Equifax is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Equifax is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 5 letters to Equifax within the past 90 days, sinxe they were unable to identify me over the phone. They still havent responded to my letters, neither did my Dispute get resolved. I spoke with a representative on XXXX XXXX by the name of XXXX, Her employee ID was XXXX. I have been put on hold for 2 hours because I have asked to speak to a manager in charge, and again they completely ignored me continue to place me on hold. Never responded to my letters, nor can I see my actual disputes online. This company do not stand of their promises nor do they follow through on their customer service, nor do they listen to their customers.
Product: Mortgage

We were waiting for about two years to sell my house to a client and the bank keeps on telling me to renew my personal documents. This is due to us having another bank that they both ask me to renew my documents and after long periods of them asking me and me giving them everything they asked for, they got mad for no reason and told me that they don't want it anymore because apparently I took too long to send the documents that I always sent on time and they are putting the house under foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX  XXXX  denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX MI XXXX Certified mail receipt # : XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Right of Rescission Dear Ally, I, XXXX : XXXX XXXX XXXX Original XXXX and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement I entered with Ally Financial on XXXX XXXX. 
I entered into this contract agreement with Ally Financial without 1 ). Full disclosure of my right to rescind ( 15 USC 1635 ( a ) ( f ) ) 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Ally Financial willingly and knowingly took advantage of me and my consumer credit. 
I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately. 
In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$1000.00} } was needed to drive off of the lot. Pursuant to 15 USC 1605 a finance charge is sum of all charges. I was also charged incorrectly on the financed amount. If you use Retail Installment calculation you will see that an additional {$600.00} was included to the financed amount. The XXXX XXXX XXXX XXXX blatantly shows numerous items were included in the amount financed which is a violation. 

Reimbursement of all payments made {$22000.00} & Down Payment Reimbursement of {$1000.00} shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

I lost my job in XX/XX/XXXX. I was going thru a separation, but managed to make my full payments until about XX/XX/XXXX. I worked with Wells Fargo and got a forbearance and made my payments on time for a year when the forbearance was up. At that time some of my circumstances had changed, so I worked with Wells Fargo again to try to enter into a modification.
The separation from my husband is critical because though he had n't lived in the house since XX/XX/XXXX, his income, as well as his rent were still being considered as part of the " family income ''. When I tried to modify the loan in XX/XX/XXXX, he became unemployed. Wells Fargo determined circumstances had n't changed enough to enter modification.
I continued to talk to Wells Fargo throughout the summer. I let them know in XX/XX/XXXX that I had received a full time job offer, and I also had a renter and a rental agreement. Wells Fargo advised me that my separated husband and his income, and rent would still be considered. They advised me that I needed a quit claim deed.
So, for the past 2 months, I have been sending Wells Fargo document after document.
They have : An offer letter from my employer ; 1 months worth of check stubs from my full time job ( XXXX/year ), XXXX work ( XXXXyear ), rent received ( XXXX year ) child support ( XXXXyear ) ; Rental agreement ; Separation agreement with the amount of child support ( court sealed ) quit claim deed putting the house in my name ( court sealed ) Partial Property settlement awarding me the house, signed by my husband and me, as well as notarized. ( Not court sealed as it is not required to be by MD law. ) 2 pieces of documentation proving residence of the renter.
The one sticking point is that the partial property settlement is not court sealed.
We are proceeding with the divorce, it should be uncontested.
Product: Mortgage

My application XXXX application # XXXX XXXX to Bank of America to renew my Home Equity Line of Credit was denied. on XX/XX/XXXX. The reason stated was " Debt to Income ratio was too high. Here 's the information I provided to the bank. 
!. Credit Scores My score is XXXX my wife 's is XXXX 2. Estimated value of my house {$840000.00} 3.Loan balance of existing loan wit BofA {$170000.00} 4. Balance of my IRA accounts on XX/XX/XXXX ( date I submitted my application XXXX {$640000.00}. 
5 Our Social security income was {$26000.00} 6. 2 years of tax returns and my IRA distributions for XXXX I calculated my Debt to Income ratio as follows : Monthly Debt Mortgage XXXX Taxes XXXX Credit Card monthly minimum XXXX ( We always pay the complete credit balance to avoid high interest ) Home owners insurance XXXX Flood Insurance XXXX Car lease XXXX Car insurance XXXX Total monthly debt $ XXXX Monthly Income I use XXXX XXXX to calculate my taxes. Looking at my tax history from XXXX thru XXXX XXXX estimated XXXX the income averaged {$80000.00} per year or {$6600.00} per month. 
using those figures for monthly debt and income My DTI is XXXX = 30.6 % My research indicates a good DTI ratio is 36 % and 45 % is maximum. 

I can't understand based on this information how they can deny me for a high DTI ratio.This in spite of the fact that I already have a HELOC with Bof A and was just trying to lower the interest rate ( no increase in loan amount ). 
Perhaps they don't like to lend money to XXXX year olds. 
Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall XXXX XXXX. Multiple times I have contacted XXXX XXXX, XXXX, Transunion and XXXX to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. Reliable credit reports on XXXX a total balance of {$8400.00}. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX, Transunion and XXXX has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.
Product: Credit reporting or other personal consumer reports

This is a completely new complaint not previously mentioned or reported. 

XXXX, XXXX, and TRANSUNION are reporting the account of XXXX XXXXXXXX XXXX XXXX XXXXXXXX as being charged off for 10 consecutive months starting in XX/XX/2023. 

This account was charged off XXXX time. It was not charged off repeatedly for 10 months. This is a misrepresentation of the account information, and is completely inaccurate and incorrect. 

TRANSUNION, XXXX, and XXXX are refusing to remove the inaccurate information on this report. 

I have attached the reports that reflect these errors.
Product: Mortgage

Nationstar Mortagage proceeded to make late payments on my property taxes incurring fees that I am now being charged for. I have called them on numerous occasions and they will not give me any explanations. They re-analyzed my escrow mid year so that they would be able to place these fees on my account. They are now stating that my mortgage will increase XXXX % percent. I went from a mortgage of XXXX dollars to a XXXX dollar note. Customer Service XXXX and they are very rude and incompetent. The supervisors are worse and no one ever tells you the same story, everytime I have called it is a completely different explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been challenging this bankruptcy for a very long time with Experian and XXXX XXXX. 
XXXX removed it but XXXX XXXX and Experian keeps showing false information I thought that all 3 credit bureaus show show the same reporting as the other one this is stoping me from living my life just because it's false information on my report that's not far to me as a law, abiding American citizen
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my XXXX Account : XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX The Following was not authorized on my XXXX or Experian account. XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX