23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I acquired a " mortgage '' loan from Wachovia in XXXX XXXX. In XXXX, we found out that our mortgage agent ( XXXX XXXX XXXX ) was arrested and charged by the FBI for mortgage fraud. 
XXXXXXXXRecently, I went back to view and calculate our mortgage payments and found out that this loan is not like your traditional loan and we have been paying ridiculous interest charges for almost 8 years. 
This is a loan that pays on principal and interest ; however, interest accrues daily. Here are the issues. 
- XXXX XXXX, we had and still have great credit. Per the Wachovia loan officer, this loan was similar to a VA loan but " less paperwork ''. We got a mortgage loan for in the branch office with this agent ( she was the closer to ). We also got an equity loan on the same day. She pushed this loan into our lap. Home appraisal was at more than what we borrowed. Plenty of equity to get a VA loan with favorable terms for us. This loan is no longer available and there was know real estate attorney involved. 
- XXXX my wife requested a copy of the appraisal. Per the mortgage agent " file was thrown away '' - XXXX We have XXXX auto loans, XXXX checking accounts, XXXX different mortgages at Wells Fargo and no one will assist us with fixing the loan which they did not follow the law. After researching, we feel that they have violated the Home Ownership and Equity Protection Act of XXXX. This loan is no longer available ; hence, a type of predatory loan. I was told that the loan is an entire home equity loan. The front of the mortgage states that the payments are for 360 months. I just made a payment and our entire amount went to interest. So the 360 months is not true. As this is definitely deceptive and unfair, this violates the law. 
- As a veteran, as she knew, we should have been offered a VA loan or other loans with sensible financial terms and not this predatory loan which was sold to us from a crooked mortgage agent who lied to us. Now, we also think that we had a fraudulent appraisal. 
I have requested Wells Fargo to do their due diligence and go back and review our files. They are not willing to assist nor do they care. We are not looking for a bail out but expect them to be held accountable and fix which was done illegally. 
Thank you for your time,
Product: Debt collection

I got a notification on my credit report from eastern account systems in XX/XX/year> saying I owed {$340.00} from XXXX XXXX but never recieved any notice I owed anything before claiming it on my credit report. I do not have any knowledge of what this is even about. When asked the company for information they had no record of my name owing anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 20 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XXXX XXXX 3. XXXX, XX/XX/XXXX 4. XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 6XXXX XXXX, XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX, XXXX XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX/ XXXX, XXXX XXXX 11.XXXX XXXX  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX- XXXX  XXXX, XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX  XX/XX/XXXX 18. XXXX - XXXX XXXX, XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX, XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims.

Thank you for your prompt assistance with this matter.

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

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

XXXX Account Number : XXXX Please remove it from my credit report. 

Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute. 
5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance
Product: Student loan

I could not afford the monthly payment and I called multiple times asking for help. They said I had no deferment and I explained I wanted to pay but I could n't afford the amount. They told me there was nothing that could be done i had to pay that amount and I could not speak to a supervisor because they would just say the same thing. I called almost 10 times asking for help. Finally on the last call, the representative told me to " just pay what you can and it 'll be fine as long as you pay something " I was paying between XXXX-XXXX a month the whole time ... in good faith. Finally I get a call my loan had been defaulted and was sent to collection agency. America education services is a money sucking leech. They do not want to assist and keep reporting me to my credit even after it was sent to collections. Now my credit is horrible and shows default which is usually assumes non payment when I was paying every month and the would not do a thing to help lower my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting.

FCRA 15 USC Sec 1681i ( a ) states ; where any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in an inaccurate account.

Im requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX  ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX XXXXXXXX XXXX  # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly.

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company that shows up on my XXXX credit report is XXXX. This collection was supposed to fall off by now as its older than 7 years. It keeps re showing up on my credit profile. Secondly, I sent them a debit validation letter, because I have no knowledge of this account ( I have never even had sprint as a phone carrier ) they sent me the validation but the address wasnt even correct on the paperwork that they sent me. I disputed with XXXX, but they still said it was valid. Is is 100 % not valid for two reasons.
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Product: Debt collection

On XX/XX/2021, I noticed unauthorized charges from my PayPal account and reported to PayPal right away as well as to my credit card company XXXX XXXX XXXX ). 

Starting from XX/XX/2021, PayPal sent me 17 emails telling me I got double credits for the disputes I filed and put {$530.00} into my PayPal balance negatively.

I called PayPal right away upon seeing these emails and charges placed by PayPal and asking for getting the issue resolved. None of my 10 calls get the problem settled. 

Now I start receiving debt collection calls and mails.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in the national data breach. Upon reviewing my credit reports I noticed accounts that I do not recognize I requested debt validation from the credit reporting agencies under 15 U.S.C1692G but they have failed to provide the necessary information likely due to my compromise data as a result I have filed a complaint with the FTC regarding these unfamiliar accounts.
Product: Debt collection

XXXX made a mistake many years ago not finding equipment I returned. It went to collections. I fought it and won. I never owed any of this. It came off credit & was resolved. Now Transworld opened a collection on me & are affecting my score & calling me non stop. Emailing, etc. I dont even owe this & they cant just decide I have a new debt open that was from like 5 or so years ago & was resolved that I dont owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$91.00} XXXX XXXX Balance Owed : {$31.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}
Product: Credit reporting or other personal consumer reports

Re : Dispute of Credit Report Information Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information contained in my credit report is incorrect and has caused harm to my creditworthiness.

I request that you promptly investigate the matter and correct or remove the erroneous information as required by law. Under 15 U.S. Code 1681o, a consumer may seek damages for negligent violations of the FCRA, including any damages caused by inaccurate information reported to consumer reporting agencies. I am requesting that you conduct a thorough investigation of the information in question and provide me with a copy of the results. 

Please be advised that, according to FCRA guidelines, you are required to conduct a timely and reasonable investigation of any disputes, typically within 30 days of receiving this letter. If you determine that the information is inaccurate, I request that it be corrected or deleted from my credit report. I also ask that you provide me with a written response indicating the actions taken regarding my dispute. 

In addition to the above, I would like to remind you of your legal responsibility to ensure the accuracy and integrity of the information reported to consumer credit agencies. Should you fail to resolve this dispute in a timely and accurate manner, I may seek legal remedies available under 15 U.S. Code 1681o, including pursuing damages for any harm caused by the negligent reporting of incorrect information.

Please notify me as soon as your investigation is complete. I look forward to your prompt resolution of this matter.
Product: Debt or credit management

It was back in 2013 but I just remembered giving money to have me and my wife debt cleared. Only to still have debt that wasn't paid off. The woman that took the money seemed to not be as involved once itnran out.Very disappointed time for us then.
Product: Debt collection

I received a letter in the mail from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX It alleges I had a debt in XXXX with LVNV Funding LLC in the amount of {$7200.00} of which I allegedly owe {$16.00}, XXXX. TWENTY TWO YEARS AGO, ARE YOU KIDDING ME. 

I have never had a debt with this company. I pay all bills on time every time. I have lived at the same residence for the last 12 years and not ever received this sort of notification, and my credit report as of XXXX of XXXX does not reflect this debt. 

I do not want to communicate with this company because I think it is a scam of some sort, and want your guidance and/or assistance in this matter. 

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

I am in review of my credit report and found a fraudulent account from XXXX XXXX XXXX account number XXXX that was opened XX/XX/XXXX, for the amount of {$2900.00}. I sent a letter to XXXX XXXX on XX/XX/XXXX and they received it on XX/XX/XXXX. In my letter to XXXX, I dispute the debt and ask for a copy of the purchase agreement to validate the debt. I also file a complaint with the XXXX and request a copy of the purchase agreement and XXXX did not respond to my request for the purchase agreement. I did not sign a contact or authorize XXXX XXXX  company to open an account on my credit report. Please remove this account from my credit report. It is hurting my ability to obtain credit and degrading to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in 2017. Equifax is still the only credit bureau listed on my credit report while XXXX and XXXX  has since deleted this collection/charge-off from my report the first time around. The account has a balance of {$0.00}. It is well over 30 days and the account still hasn't been updated or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter out to transunion, XXXX and XXXX. here my tracking XXXX however its been 30 days and the credit bureaus failed to send my investigastion back. this is not making any since.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 and XX/XX/2021 I sent some letters regarding inaccurates and unknown things on my credit report. this is over 30 days I have not received a response yet they not follow the guidelines I feel being ignored by my disputes. section 611 ( a ). it is plainly stated that failure to investigate these items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately OR I will file for ligations
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B a creditor may not treat payment on pa credit card account under an open end consumer credit plan as late any purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by a bank I am in the middle of securing a loan with that XXXX XXXX XXXX XXXX has marked a discharged account into a charge off status illegally. The accounts they reported with balances of {$15000.00} and {$450.00}. They flagged my Equifax and XXXX illegally and reported charge offs after being discharged in a chapter XXXX bankruptcy back in 2017. If all accounts are not removed I will be moving forward in a lawsuit to sue them for illegally reporting to the credit bureaus inaccurate information. They are no longer to even check my credit report by law and its being flagged by them. This has negatively affected my credit and my loan I was in the middle of obtaining. They refreshed the account which made my credit drop nearly 100 points. It is unlawful and very illegal and had caused my family and I great hardship during a pandemic.
Product: Debt collection

There is an auto loan on my credit report from Westlake financial services and I have not been supplied all the necessary documentation in regards to this auto loan contract
Product: Credit reporting or other personal consumer reports

On XXXX, I contacted all three credit bureau ( Transunion, Equifax, Experian ) each by phone informing them that there are numerous inquiries on my credit report from companies that I did not give permission to run a credit check. I informed all XXXX credit bureaus that I recently sort an equity loan on my mortgage and was denied. XXXX of the main reasons for the denial was the amount of inquiries on my credit report. I informed the credit agencies that the majority of those inquiries I did not give authorization and I want them removed immediately. I ran off a list of inquiries that I did not authorized. I received an email from the credit bureaus indicating an important message is awaiting for me and that I should log into my account. I logged into my account and read a message stating that inquiries have to remain on my credit report for up to XXXX  years. I found this message upsetting especially after i informed the credit bureaus that I did not authorized these inquiries. 
The companies that did not have authorization to run my credit are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Companies - non specific XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax