23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint on behalf of Equifax. This is in fact me, XXXX, and no authorized party is sending this complaint so please do not send that back as a stall tactic! I have become very frustrated with this reporting agency. I have fraudulent student loans that have been sitting on my consumer report. When speaking to someone at Equifax, I was told that the FTC Report was required in order to have these accounts deleted. When I submitted in the appropriate information, I was then told the FTC Report could not be honored and that I needed something from the creditors stating that the accounts were in fact fraud. I have now received proper documentation to support dealing with those accounts and demanding that Equifax remove these student loans from my consumer report. As a consumer, I am highly aware that I shouldn't even be dragged through all this due to the responsibility that this consumer reporting agency has to uphold fair and accurate reporting! I am coming to the CFPB now because it seems that Equifax has continuously failed to do anything about this. I am pleading that this issue be resolved and that these student loans be deleted!!!!!!!!! This has become very draining at this point and is causing me a great deal of stress!!! I really don't know what else to do after this besides file a suit!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XX/XX/XXXXAcct Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX on : XXXX Made with : Transunion Made by : XXXX XX/XX/XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XX/XX/XXXXXXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXX Made on : XXXX Made with : Transunion
Product: Mortgage

My mortgage loan holder is Specialized Mortgage Services of XXXX XXXX. My loan number is XXXX. A bank draft from my personal checking account with XXXX XXXX of XXXX was sent directly to XXXX, sent in time to arrive on or prior to XXXX XXXX, 2016. Due to the fact that I check my bank balances every morning, I noticed that the payment to my mortgage loan account was never credited nor deposited. After several phone calls to SLS, it was mutually determined that I would stop payment on the first draft and issue a second one. A bank draft from my personal checking account reached SLS on XXXX XXXX and was deposited on that date as well. XXXX XXXX was, according to SLS the last day that payment received by SLS would be credited to the account as " payment made on time. '' A stop payment on the first draft was issued on XXXX XXXX, 2016. I was subsequently served with a letter by SLS stating that my payment was refused due to a stop payment. On XXXX XXXX 2016 I received another letter dated XXXX XXXX 2016 from SLS stating that my mortgage loan was delinquent by more than 30 days, and they had not received my XXXX payment. A cursory review of my checking account shows both the XXXX and XXXX payment deposited by SLS. I have never been late with am mortgage loan payment in the 23 years I have been a home owner. How can I get XXXX to respond and stop their bad behavior?
Product: Mortgage

Shellpoint Mortgage Servicing took over my mortgage in XXXX, XXXX. In XXXX, XXXX, I received a letter requiring me to show proof of flood insurance. I had never been asked this by any other mortgage servicing company since I purchased my home in XXXX. I reached out to our XXXX 's insurance company and was told that we were not required to have flood insurance. The insurance company sent a Standard Flood Hazard Determination dated XX/XX/XXXX to Shellpoint stating that we are not in a flood zone on my behalf ; however, the person I spoke with at Shellpoint told me that they only way I would not be required to have flood insurance is if they had a letter from XXXX stating that we are not in a flood zone. It took a while, but I was finally able to track down a XXXX letter, and submitted it via email to Shellpoint on XX/XX/XXXX. I received a letter from Shellpoint dated XX/XX/XXXX stating that " We were recently advised due to a XXXX flood map revision that the above property is no longer in a zone that requires flood insurance. As a result, we will not require you to continue to provide proof of flood insurance coverage for the above property pursuant to our loan agreement. '' However, they only partially refunded the money that had taken from my escrow account for flood insurance. When I called them on XX/XX/XXXX, I was told by the agent that the document had expired. I said that I had a copy of the XXXX letter and that it does not expire. She said she would email the document to me. First she emailed some other customer 's confidential document to me by mistake. Then she emailed the document that pertained to my home. It was the determination that my XXXX 's insurance had sent back in XXXX. She claimed that it expired on XX/XX/XXXX, and I would have to provide new proof that I'm not in a flood zone. I told her that it didn't expire on XX/XX/XXXX, it was simply dated XX/XX/XXXX and the only thing that could override the XXXX letter was a new XXXX letter. I sent her the XXXX letter again, along with a copy of their own letter stating that I was no longer required to prove that I had flood insurance. I received no response. On XX/XX/XXXX, I sent a letter using the template found on this website, explaining the situation again, with all documentation attached, requesting that my funds be returned by XX/XX/XXXX. I again received no response whatsoever. I did receive a new escrow statement showing that they are planning on increasing my monthly escrow payment based on my expenses, including the flood insurance that I do not need.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is A Ongoing Dispute With TRANSUNION and XXXX XXXX XXXX ( Bank ) .there was a unauthorized hard inquiry placed on my credit report XX/XX/2023 from XXXX XXXX XXXX ( Bank ) and notified both the bank and Transunion , The bank as soon as I seen it, I talked to the banks fraud department and they determined that it was fraudulent and I was told I would receive a letter and transunion will be notified, I havent received the letterXXXX transunion reps told me they havent received anything either but now I cant contact a transunion rep, or use the app anymore and its been 90 days I always asked the bank to resend the information but I got hung up on, on two different occasions. They both said Ive reported the problem of the fraudulent inquiry. I didnt apply for anything and I dont plan to until fall
Product: Debt collection

This company is trying to collect debt that is not owed. They say I owe XXXX on a loan and has called, texted and email me harassing messages many times about a {$12000.00} loan.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. The finance company was XXXX. After a few months, my loan was acquired by Santander. After paying for years, in XXXX Santander indicated that I still owed approximately {$8000.00} on the XXXX XXXX. My last payment to Santander was XX/XX/XXXX. I do believe at that time, I requested an audit of my account, because I was still paying for a vehicle 10 years later. I did not receive any additional information from Santander until XX/XX/XXXX, when they reposed the vehicle and stated that I owe them approximately {$10000.00} on the XXXX. I would greatly appreciate any assistance you can render. Thank you.
Product: Vehicle loan or lease

Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This account was openened on my credit report on XXXX XXXX, XXXX ( XXXX, XXXX ). The account closed on XXXX. XXXX, XXXX written as charges off as bad credit, profit, and loss write off. The amount owed on this account is {$24.00}, XXXX. Santander Consumer USA on a recorded line stated that they did not want the vehicle. The vehicle was suppose to be picked up from Santander Consumer USA, to be sold at the auction. The profits from the auction were to be added to my account balance. Santander Consumer USA stated that the car would be to expensive to fix, they got all of their information supposedly from the tow yard owner. Santander Consumer USA did not send their own adjuster that works for their company to see how much the damages were. They took word of mouth from somone who couldve been providing them false information, especially since Santander Consumer USA never laid eyes on the car to determine the damages. Despite this wrongful repossession that has been reported to my credit, I have also been harassed several times a day with phones calls concerning this account. When asked for specific information concerning this account, the customer service representative could not provide the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit - Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account   Original Creditor XXXX Company Sold-to - Original Amount {$440.00} Comments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point
Product: Credit reporting or other personal consumer reports

You failed to re-investigated and I am in disagreement with all the inaccuracies report to the credit agencies. You have violated my consumer rights in accordance with the Fair Credit Reporting Act. This XXXX XXXX account charged off as of XXXX 2020 and it is currently reporting as charged off XXXX consecutive months which falsely manipulates the statue of limitations. You failed my previous request to fix this issue. This account shows inaccurate status paid with Transunion, paid with XXXX and derogatory with XXXX. 
Again this account is not accurate among the XXXX bureaus, you failed to re-investigate this account properly and you neglect has violated my rights. I demand a deletion of the following account. XXXX XXXX XXXX
Product: Mortgage

I am writing about how Bank of New York Mellon violated my rights during the foreclosure of our property at XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX they failed to give notice when they secured the rights to the property in auction on XXXX/XXXX/2016 the first notice we were ever given was a notice to quit the property that was dated on XXXX XXXX XXXX and served to us on XXXX XXXX, 2016 Bank of New York Mellon NEVER sent ANY correspondence to ANY resident at the address they were forcing an illegal eviction because they failed to serve notice of ownership. My complaint is that Bank of New York Mellon is the acting in an illegal manor as the Trustee holder of the Certificate of the XXXX XXXX asset-backed certificates, series XXXX I am not sure I understand the legal terms but if I understand it correctly Bank of New York Mellon is a trustee for an asset backed security and they bought the dead of trust for this asset. It is very unethical and I feel that they violated our rights. I am seeking action against the Bank of New York Mellon
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed a letter to all three reporting agencies to reconcile my report. Since my last communication, I have waited 30 days for a response and at this time I can't get my current score or report. My main concern is that the bankruptcy from XXXX is still present on the credit report as well. I have sent copies of a letter from the Eastern District bankruptcy court in XXXX WI stating that this information was not supplied by them to any reporting agency. I have since asked the reporting agencies to submit the following. 

Please verify that this public record is reporting completely and accurately please verify that the complete and full court name is reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition dates, filed date, pay date and settle date. If you are unable to verify any of the information requested remove this bankruptcy immediately all dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a new credit card from XXXX XXXX. They gave me a TransUnion credit score of XXXX. Now according to XXXX XXXX my TransUnion score is XXXX. Now that is a 92 point difference. I dont know which score is accurate. Please let me know..
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a car but there were too many hard inquiries. 

BANK XXXX XXXX, XXXX, XXXX BANK, XXXX CARD, 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

Several companies have accessed my credit report without my authorization, negatively impacting both my credit and my score. I previously contacted Equifax regarding this issue, and a representative assured me that these unauthorized inquiries would be removed. However, I am still seeing them on my report. The presence of these inquiries is deeply concerning, as I am a victim of identity theft. This situation is causing me unnecessary stress and anxiety, on top of the XXXX it has already done to my credit.
Product: Credit card or prepaid card

On XX/XX/19 my Sears MasterCard was charged {$3600.00} by XXXX without my prior authorization. I called XXXX and they cancelled the subscription but imposed a " 6 % processing fee '' of {$350.00}. I filed a dispute with MasterCard. They concluded that XXXX was correct. MasterCard did not provide evidence that I had authorized the charge nor the 6 % processing fee.I also filed a dispute with XXXX. XXXX  also concluded the charge was correct without providing any rationale for their decision. 
I had used this card for 45 years and had paid all legitimate charges during that time. 
For MasterCard to conclude, without evidence, that I suddenly decided not to pay a legitimate charge is unreasonable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been affected and severely impacted by the XXXX Equifax data breach. I'm a natural person who's not only been victimized by the 3 major credit reporting agencies, but also the criminals in the underworld. I never gave permission or authorization for my personal data to be stored, collected, sold or traded by any credit reporting agency. I've contacted the 3 CRA 's to inform them of inaccuracies and errors on my consumer credit reports but only XXXX XXXX responded with a letter stating that they would not process my requests because they didn't think my letter came from me. The FCRA is pretty clear that credit reporting agencies have a legal obligation to ( re ) investigate ALL disputes and correct inaccuracies if they are made aware of such. I am deeply depressed and suicidal going back and forth with these XXXX dollar corporations. I am also writing to the Attorney General of Connecticut, and the XXXX, as I have no faith in the CFPB. I sent certified letters to all 3 CRA 's on XX/XX/XXXX and received only one response from XXXX XXXX on XXXX stating they weren't doing anything because they didn't believe I sent the letters. This is completely unacceptable.
Product: Debt collection

I have a delinquent account. I have made previous arrangements to pay the balance. The first payment cleared in XXXX, XXXX. I set up subsequent auto payments in the amount of XXXX for 5 months. I have the confirmations. They continue to call and continue to give me wrong information for transactions I did not authorize. They are calling to the point where I am being harassed. They have the payments set up, I do not understand why they continue to call or why they have the information wrong when they call me.
Product: Credit reporting

XXXX XXXX, 2016 To whom it may concern 1. I attest that I am XXXX XXXX, and the author of all verbiage within this complaint. On my Experian and XXXX reports I have accounts in collection, XXXX on XXXX and XXXX on Experian. 

2. This complaint is based on XXXX, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how XXXX and Experian are reporting this data within my report. 

3. XXXX XXXX XXXX and XXXX XXXX XXXX are debt collectors, file standards, and laws, prohibit XXXX to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual. 

XXXX. XXXX file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or Unpaid Collection pay status. 
Account Type Codes XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. 

6. XXXX, is designated as a " Open/Installment/Revolving '' ACCOUNT TYPE and can not be as this data is not expected to be sent by a debt collector on this industry standard file, and is in fact reporting as a Factoring Account and is included in my XXXX. 

7. XXXX and XXXX accounts have a PAY Status of past due, and can not according to XXXX - as this data is not expected to be sent by a debt collector on this industry standard file. I have never been late with XXXX nor XXXX 8. XXXX account on XXXX is reporting a creditor classification of " RETAIL '' and can not, as this data is not expected to be sent by a debt collector on this industry standard file XXXX. XXXX account on XXXX has a pay history, and can not - as this data is not expected to be sent by a debt collector on this industry standard file. I have never paid them anything nor ever agreed to. 

9. XXXX account is Medical and should be labeled as such. 

I request that these erroneous accounts be deleted from my reports and not reinserted as they have been damaging to me in monetary ways. I have been denied acredit due to these accounts showing as open/late, when in fact if they were showing as collections on both XXXX and EXP as per their sample reports show I would not have such a low score. 

I will be forwarding this complaint to XXXX, EXP, XXXX, CFPB and to the involved Collection agencies as these procedures are illegal under the FCPA and FDRA. 

THANK YOU.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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: Credit reporting

I have creditors XXXX XXXX XXXX account number XXXX, XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX and XXXX XXXX account number XXXX ... XX/XX/2005 which are 9 and 10 years old in which according to the FCRA, I can ask to me removed as they are too old to be on my credit report. Experian is refusing to delete and the company indicate that Experian did not dispute.