23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a va loan on my home at XXXX XXXX XXXX in XXXX XXXX, serviced by Loancare LLC. 
Loan number XXXX I made all my payments on time and have proof of this in the form of electronic records with payment verification and canceled and cleared checks. ( attached ) In XXXX of XXXX they sent me a notice that I was in default and they were beginning foreclosure. 
I sent them a 'notice of error ' with proof every payment was made on time on XX/XX/21, by certified mail to the executive vice president. ( copy attached ) I have proof that she got it as she signed for it. I got back a letter showing my payment history that was incomprehensible and shows basically that every payment was received ( it is shown on the history ) but it was 'miscredited. ' ( copy attached ). I can't reach anyone who has any idea what the entries mean, what it means for the payments to be 'micredited, ' or where the money went. They say their computers still show the payments have not been made even though their payment history clearly shows I did make them, they got the money, they simply 'micredited it. ' The payment history also shows the account is in forebarance. I never approved of this and I wouldn't have known if it hadn't been on the records. This is a bad mark on my credit and they shouldn't be allowed to say it if it isn't true. 

I have called many times. Their phone reps claim that there is no record of my letter or proof of payment history, which I sent them three times by snail mail and twice by email. I can conform all of this. But they tell me it doesn't matter because they don't have any authority to make any changes even to make it match their own payment history. No one can give me anyone who knows anything. 

As of XX/XX/2121, They are still reporting me as in default on my loan to all three credit reporting agencies, so they have ruined my credit. This is important because I run a XXXX XXXX  and I back my business credit with my personal credit. Because of their reporting, I have been turned down for a critical loan for equipment that my business needs to operate. This is causing extreme hardship for me. 

I have numerous other complaints about the company regarding the way they do business. They have a computer that makes robocalls every hour, all day and all night, but doesn't say anything except give a recorded message to call the company. As soon as their records showed I was late ( even though I wasn't ) they cut off my access to the website so now when I try to log in a get a message the account is frozen and I need to call in. i feel it is extremely dangerous to call the company because they require you to punch in enough informatoin that anyone who is monitoring calls can steal my identity from this information ( including full ssan, address, phone, email, and a large amount of confidential information ). This doens't go to a person, it is just punched in and if you don't do it, it won't let you talk to anyone. This makes it impossible to do anything with the company except by mail and they don't appear to respond to mail correspondence..
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by TransUnion Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/year> is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information and ensure maximum accuracy of consumer files. Additionally, the FCRA provides for civil liability under 15 USC 1681n and 1681o for willful and negligent noncompliance.

Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment for XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. Here are the accounts that needs to be correct : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$29000.00} ; IXXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$320.00}.
Product: Debt collection

On this date, XX/XX/2018 company opened a collection. 
Account # XXXX {$260.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

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

I opened an account with XXXX XXXX on XX/XX/XXXX, for {$410.00}. I consistently made timely payments until the XXXX pandemic and subsequent lockdowns disrupted my ability to work. Due to these circumstances, the company sent the account to collections and marked it as a charge-off. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX I took out a loan with XXXX XXXX on or around XX/XX/XXXX, for {$670.00}. I made timely payments until I was laid off and could no longer continue making payments. I attempted to set up a payment arrangement with the company, but they refused and instead sent the account to collections, marking it as a charge-off. 

Additionally, there is a discrepancy in my credit report, as different account numbers appear for this creditor across the credit bureaus, which invalidates the debt. 

Security Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

The loan with this company was paid in full in XXXX of XXXX. They have tried multiple times to take payments from my checking account since then. I called them on XX/XX/XXXX to try to resolve the issue. I was told I needed to email proof that the loan was paid in full and that I would receive a response once the email was received. I emailed them immediately after this conversation with the statement showing the loan had been paid in full. I did not receive a response from them, and they tried to pull funds from my account once again on XX/XX/XXXX. I sent them a second email regarding the account already being paid in full and stating that I do not give them authorization to take any payments from my account. I still have not received a response from them.
Product: Checking or savings account

Friday the XXXXXXXX XXXX XXXXXXXX I deposited my check and was told I would have credits available to me the next day and the rest will be held for 7 days since account was new. Went in the next day after checking account I had the credits stated to me available. Went to make a withdrawal. Was asked a whole bunch of questions by the teller. Stated she needed to look at the check why did I have the check where was it from. Then she told me she couldnt give me any funds because the check was deposited wrong by whoever deposited my check and I shouldnt have any funds released. Went out and called customer service to the bank. I was told there was nothing wrong with my account and the credits that show on my available balance. I have access to and I should be able to make withdrawal from the teller for whatever mount I would like, and if I have my debit card that I could take out to up XXXX. I went back in the bank and asked to speak to Manager. Manager came in and then stated I shouldnt have any funds available. They did something wrong and he would fix it and he couldnt give me any money because he would be held responsible If my check didnt clear so to go back to the bank where I made the deposit, but as Im leaving, says that he will fix my account because I shouldnt be able to have an available balance, or make a withdrawal, and he would contact the other bank. Arrived at the bank where I made the deposit. Then Ill tell me. I dont have access to my credits. All I have is credits and I cant use them. Then another teller comes to The. Tell her Im speaking with and says there was a problem with my account yesterday that theyre back team had And I would have to wait. They found something and there was an error and I would receive this notice in the mail and 14 days I asked for The noticed that they are saying, or if they can show me what happened and they said no. Just to wait for the 14 days in the mail. Called customer service again. Now theyre telling me. Theres a fraud alert on my account. I asked why they said they have no reason it can take up to an hour or so, and to call back. I called the bank back. They still had no reason I asked to speak to the fraud department. They gave me the fraud, Number. I speak to fraud department. Now theyre telling me. There is no fraud. Alert. What happened? Was the other The XXXXXXXX XXXX through an extra security because they didnt for whatever reason that my account was due that in good faith, I shouldnt be able to have those credits because they dont think that my check would clear. So Ive been told multiple different reasons as to why I wasnt able to use my available credits by the bank and customer service line. then the following business day on Tuesday XX/XX/year>, my available balance shows XXXX. Now I have to wait 9 days instead of 7 for my funds. Feel very XXXX XXXX by the XXXX bank I tried to withdraw from XXXX XXXX XXXX XXXX and how I was treated and looked at and questioned. I have recordings of different reasons and statements I was told about my account and what was happening.
Product: Credit reporting or other personal consumer reports

Multiple fraudulent inquiries were on my credit report that I did not authorize.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and I have requested validation and verification of erroneous accounts that are listed on my credit profile that's reporting to XXXX, XXXX and Experian. I've provided proof of my police report to them all. After 30 days I received a response that it was deleted and then placed back onto my credit profile and I was not notified within the XXXX business days for reinsertion. They did not give me the method in which they used. According to the FCRA credit reporting agencies are required to provide proof and the method of verification as well as validation upon request. This includes the name, address and phone number of the verifying individual. These credit bureaus violated the FCRA by not complying with its guidelines. This is direct infringement of my rights under the FCRA. I'm asking that the following accounts be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per XXXX, This item XXXX, U.S. Bankruptcy Court, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per Experian, and This item XXXX, U.S. Bankruptcy Court, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my XXXX report as being filed on XX/XX/XXXX, on my XXXX report as being filed on XX/XX/XXXX, and on my Experian report as being filed on XX/XX/XXXX. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX - Account Number:XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. CXXXXe XXXXe ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. CXXXXe XXXXi ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted Equifax numerous times to tell them the inquiries on my credit file with them are erroneous and a violation of the 15 usc 1681 ( B ). I notified them that inquires can only be on my personal credit file by '' permissible purpose '' and the consumer is the only one that can give permissible purpose and consent to their credit file.

I the consumer did not give " permissible purpose '' according to federal law 15 usc 1681 ( B ) therefore this is a violation of federal law and a violation of my consumer rights. This erroneous info on Equifax consumer file has caused great stress in my and my families life. i contacted them 3 times and now i am contacting the C.F.P.B who was put in place to protect the consumer rights. i will be seeking damages for the violation of my rights that the company Equifax has caused. i demand the following inquiries be removed from my consumer file. 
XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX These are a violation of federal law 15 usc 1681 ( b ) Thank you Mr XXXX
Product: Mortgage

we have a home equity line of credit loan with CIT bank was Indy mac the loan is a XXXX part loan first 10 years is a draw period then the next 10 years is repayment period so in are scenario we took a one time draw the bank set the minimum payment an we have made payments I looked at are loan an found out that there is no money going to the principle except what little extra more we paid so I called the bank an they said the first 10 years is interest only so I went back an reread are contract an no where does it say in the draw period or in the disclosure part that it is a 100 % interest only an know we also get a letter from cit bank that come XXXX 2017 that are payment will go up 3 times the amount so I called the bank back an the sent the complaint to a XXXX XXXX who looked in to it an after she did she sent us the same copy of the contract with a part highlighted that states during the draw period the minimum payment may not repay the principle that is outstanding on your line of credit well we new that ten years would have not payed the loan off but it does not say 100 % interest only so there should be a good pat of the loan paid to the principle an when I asked where in the contract or send me a letter stating this 100 % ten year payment i was told that quote I understand that the wording can be confusing its not they are playing with words are contract is very clear an easy to read an understand an are disclosure explains the payments an other ways to pay loan
Product: Credit card or prepaid card

On Wednesday, XX/XX/XXXX, I contacted Apple Support after receiving a message that my account had been " restricted '' and I was unable to make purchases. After speaking with customer service, I updated my password, and I was asked to confirm a transaction I made. I confirmed the purchase - a SIM card from XXXX, so I can use my phone while traveling this month in the XXXX. They told me I would need to confirm a verification code sent to my device. I did not receive the code, and I told them this was probably because I had changed SIMs and can not receive calls or texts to my primary number since I am abroad. I was connected to another supervisor who said they would help me get the restriction lifted. I explained the situation, but yet again, the rep asked for me to provide a verification code that I can not receive. I was then connected to yet another " Specialist, '' who transferred me to another " Specialist. '' I explained the situation yet again, and was told that another " Specialist '' would reach out but that they did not have a timeframe on when I would be contacted. At this point, the " restricted account '' was changed to a " locked account. '' On XX/XX/XXXX, I contacted Apple customer service again and was connected to a " Specialist '' who reiterated that they could not provide a timeframe for the account 's review and apologized for the inconvenience. I lodged a complaint which the " Specialist '' filed on my behalf. On XX/XX/XXXX, I reached out to Apple customer service again because I received my paycheck and realized that I was unable to make card payments using the app due to my account being " locked. '' I was told that my account will continue to accrue interest despite it being locked. The specialist said I can still make payments via the phone, but I explained for the millionth time that I am out of the country and I am unable to make calls from my primary number. The specialist apologized and told me they would try to find a way to get " everything worked out for me. '' Then, without a further reply, I was transferred to ANOTHER specialist. I explained the saga again. I was told yet again that they could not provide a date or timeframe for my account 's review. I told them that I would be filing a complaint with CFPB and warning anyone against opening an Apple Card account. They made note of the complaint and my XXXX number. I have heard nothing since this final communication, and my account and card remain locked. I can not use my card or make payments on my current balance.