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

CREDIT REPORTING AGENCY DISPUTE - I've disputed an account on my credit report for proof of ownership with the XXXX and Equifax and every time they come back VERIFIED! with no explanation of WHO they spoke to, and WHAT method they took to obtain verification ( Method of Verification ). They've ever only updated the balance on the account every single dispute i send out. 

DEBT COLLECTOR ( XXXX  XXXX ) - I've sent out a debt validation letter to XXXX  XXXX for proof of ownership on the debt of a credit card that XXXX XXXX claims is mine but their response to my debt validation letter was that they don't have a paper copy to send me of verifiable proof of an original consumer contract with my signature on it. After disputing the debt with the credit reporting agencies and the creditor ( XXXX  XXXX ) in cause of desperate measures to get this erroneous item off my credit report i decided to make arrangements to settle the debt with XXXX  XXXX. However when i attempted to make arrangements to make payment in immediate exchange for the " Original instrument of indebtedness in its original form. '' via certified mail to XXXX XXXX they didn't respond in a timely manner to settle this matter. I sent out a non response letter and they didn't respond to that either.
Product: Mortgage

Bank of America trustee filed NOD on XX/XX/2017 and immediately accelerated the full balance without the required 30 days notice per the DOT contract section 22.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Mortgage

Banco Popular is using an unlawful loan-to-value ratio of 75 % to cancel our private mortgage insurance requirement, instead of the 80 % LTV required by the Homeowners Protection Act. 

After receiving notice of their rejection of our PMI cancellation request, we called them to point out the error and they would not fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 )  SW CREDIT SYSTEMS L.P ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is reporting as a closed account on my report. This account was sold to XXXX XXXX which gives XXXX/XXXX  no merit to still be reporting. This has cause me to be unable to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

SLS loan servicing is escrowing my home owners insurance. 
My insurance company stopped writing in the state of Florida and I was notified by SLS on XX/XX/XXXX via a letter stating that I had to provide proof of insurance immediately or they would have to force place insurance on my property. 
I immediately found out what had happened and secured a policy with a new insurance company and I send proof of insurance on the XXXXXXXX XXXX XXXX XXXXXXXX. My agent also provided this t

o SLS as well. SLS still force plac
ed the insurance on me and has continued to take an extra thousand dollars a month out of my checking account since XXXX. 

Despite emails, several phone calls and a complaint to the XXXX XXXX XXXX SLS is still withdrawing the extra money from my account. 

I cal and call and keep getting the same answers that they are reviewing it and will take 10 to 15 days to get back to me. 
Yet I keep getting letter that I need to provide proof. 

They are completely incompetent or just fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX originally XXXX XXXX XXXX XXXX reported false information by writing off {$19000.00} when it was originally $ XXXX for 60 months after filing a XXXX XXXX XXXX XXXX XXXX sold the account to XXXX XXXX in which you can not contact them by phone and the address is not a real address. I have requested this be removed from my credit report but I was told it takes approximately 30 days. XXXX XXXX is the same company that originally went by the name XXXX XXXX XXXX XXXX checked my credit on XXXX XXXX without my consent. I called XXXX and spoke with someone by the name of XXXX and he stated they could not do anything about inquiries that I will have to contact the company myself. XXXX XXXX XXXX XXXX is operating under the name XXXX XXXX and phone number ( XXXX ) XXXX and address. I attempted to call the company and the phone rings then give a busy signal and the phone hangs up automatically. I have no way of fighting this on my own. XXXX XXXX XXXX XXXX is operating illegally. Please Help me. I have supporting documents for proof. I just found out after investigating further that XXXX XXXX is also the same company as XXXX XXXX XXXX and XXXX XXXX XXXX so how was it sold to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

First, you investigation took more then 30 days. Which I have attached proof of. I recently disputed these accounts on XX/XX/year> and I received notice that you have updated the accounts as verified. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. All accounts that have been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all the names and contact information of the employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. These accounts is not any of the above adjectives. Please delete these erroneous accounts immediately or I will be looking to legal options due to your lack of accuracy reporting. 
XXXX XXXX XXXXXXXX inaccuracies- high balance, last verified, date reported, date opened, closed date XXXX - XXXX Inaccuracies- Account number, high balance, last verified date of last activity, open date XXXX XXXX XXXX Inaccuracies- High balance, date reported, date open, closed date XXXX XXXX XXXXXXXX Inaccuracies High balance, date reported, last verified, date opened, closed date
Product: Credit card

XX/XX/2023 My account has been locked and Apple or Goldman Sacs has not provided a reasons why. 
I requested the reason after contacting support. They requested that I change my password and I did so. After this they claimed someone will contact me within 2 hours to resolve and no one has contacted me. Meanwhile my account remains locked, and I have not been provided any information related to the details of why it is locked.
Product: Student loan

XXXX XXXX XXXX has been deemed ineligible for public service student loan forgiveness however, I have documentation stating that it is a nonprofit organization under XXXX XXXX XXXX XXXX XXXX umbrella. I have also filed a PSLF reconsideration form along with documentation that I am providing here. XXXX XXXX XXXX as eligible employer for PSLF as other entities under the same umbrella have been eligible. For instance, XXXX XXXX XXXX XXXX XXXX has the identical organizational structure as other XXXX XXXX 's medical practices that have been approved for PSLF, an example of which is XXXX XXXX 's Physician Clinics. They are all Arkansas, nonprofit, taxable corporations. 

I have documentation that my employer has given me stating that we are nonprofit and they had deemed ineligible. 

I have been a XXXX  for many years and have work in the XXXX XXXX XXXX XXXX since XXXX  in two different facilities. Students loans were the only way for me to go to XXXX  and repayment with the high interest is very difficult in this economy. I need all the help I can get to get these paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Bank account or service

I previous had a account with Wells Fargo, I notice that they were charging fees on my account and my checking account balance was an amount one minute and another minute it was a different amount when I would log online to check my balances. I never used my checking account during this period. I was then instructed that I owed {$1500.00} in fees on my account which I am disputing and they sent my account to collections without any type of explanation of the fees. I am looking to have these fees waived and my account removed from the XXXX as they placed my loan in XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern I reached out to all three of the reporting credit agencies and no one has been able to provide me with proof that this account belongs to me. I also reached out to the merchant, who also couldnt provide information the account belonging to me. Please find the attached letterhead, indicating that I have no account with the company reporting on my credit report.

This account is 8 years old This is Hindering me from obtaining employment
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account from XXXX XXXX XXXX with amount of {$290.00} on my Experian credit report does not belong to me. Verified via multiple sources, it rather belongs to a person with same last name, similar first name, different date of birth and social security number, who happened to have lived in the same apartment community as I did. 

I disputed this account at Experian but they listed this person 's name and address as one of mine and indicated this collection is " verified as accurate '' as the result of this dispute. 

I also tried to contact XXXX XXXX XXXX. I don't have any account on their record but they refused to offer any help correcting the false report, instead their customer representatives tried multiple times to trick or mislead me to admit I owe the money and make a payment. 

Attached proof from the original creditor showing me having XXXX balance with them.
Product: Consumer Loan

Santander Consumer USA Inc. presented me with a " Limited Time Settlement Offer '' in which they clearly stated that if I were to pay 30 % of the principal balance due it would " settle your account in full. '' I had entered into a potential Class Action suit against SCUSA and when presented with this offer to " settle in full '' my account I paid the amount well before deadline and removed myself from the Class. The letter clearly implied that my account would be settled in full for paying the amount stated ( {$460.00} ) by XX/XX/2014. I paid the amount of {$460.00} on XX/XX/2014 with the understanding that my account would be shown as paid in full ( per SCUSA offer dated XX/XX/2014. I discovered that SCUSA was reporting my status as Collection/Charge Off and remarks showing that the account was settled less than full balance. This was not what they presented in their offer. I feel that SCUSA used deceptive tactics to get me to settle my account and did not fulfill their part of the offer they presented to me and that I accepted. Despite numerous attempts to get this corrected with the Credit Reporting Agencies, it has never been resolved to report as paid in full as offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies obtained a copy of my credit report without my authorization : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 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 XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX IN - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Commercial Acceptance continues to furnish negative information on credit file. Company tarnished my credit. Satisfactory of payment will not remove negative tradeline from account.
Product: Debt collection

On numerous occasions Credit Acceptance has used abusive, false and misleading collections practices, all in an effort to bully me into paying a debt I dont owe. Theyve refused verification of debt acknowledgment 's according to 15 USC 1692g. The process only verifies that Im the original creditor. Theyve slandered my name and posted negative information to my consumer report, which is a direct violation of 15 USC 1666b and 1666a.

Recently they tried to repossess my vehicle and force me to renter into the same alleged contract which contains blatant violations of TILA, FDCPA, FCRA and empty disclosure 's in an attempt to harm me financially the consumer/natural person. The most recent violation are Harassment and Abuse 15 USC 1692d ( 1 ) ( 2 ) ( 3 ) ( 5 ) 15 USC 1692f ( 5 ) ( 6 ) Unfair Practices all violation to federal consumer debt collections laws.
Product: Debt collection

Enhanced Recovery continued to report an false claim on my credit files. The debt is not mind
Product: Bank account or service

My complaint to XXXX about Bank Of America/MBNAas advised by XXXX XXXX XXXX and because the complaint was not undertheir jurisdiction. The XXXX actually referred the Bank OfAmerica/MBNA to my complaint which they did attended to but along the linethere was no further response from them. 

The Vice President of the Bank of America/MBNA XXXX XXXX XXXX wrote inin reply and other Customer services staff requesting for proof of my accountdetails and online account setup and it was sent to them appropriately, afterwardsthere was no reply to my submissions despite several reminder emails. 

Please, help to make them respond to my emails and reminder notes
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card account ( s ) and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.
Product: Mortgage

Last year we had a 6month forbearance on our Mortgage. Now we are trying to refinance in order to save money and move from a FHA loan to a conventional loan. I am told there is a FHA LEIN on mortgage to the tune of just over XXXX. We requested forbearance amount to be placed on back of loan - however by paying this amount back in full, ontop of refinancing principle balance will exceed the original amount of the loan to begin with. If this amount is repaid, it should reflect in principle loan amount decreasing not increasing by the XXXX. Currently mortgages is at XXXX, so paying this should reduce mortgage payoff amount, not add to total mortgage. This is paying the forbearance amount twice if refinanced - once to FHA and once to my current Lender, with out it ever impacting my actual loan amount. Please help resolve this issue! Thank you.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX my wife and I applied for credit at XXXXXXXX XXXX XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XXXX XXXX XXXX  I decided to try once more with the same company because I really wanted a XXXX and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XXXX XXXX XXXX I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon XXXXXXXX XXXX XXXX  XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have an open loan with United Auto Credit. I have been diagnosed with XXXX. I am struggling to pay my loan. I am in default. I understand that I am at risk for repossession. The company has not done that ... ... ..instead they call me 5 or 6 times a day sometimes 2 or 3 times in a row. They have been calling my employer the same way leaving messages on any line they can get and also with staff as well as on my direct line. I had asked that my work number be removed from the file last year and was told that it was removed. The tactics of this company are suspect to me accompanied by the fact that this company sent me a record of account holders names and account numbers by accident which definitely violates some laws I 'm sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing on my credit report that I have missed payments showing for the following dates : XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16 & XX/XX/16. 
I was never late on my Walmart credit card ... I had requested many times to have my due date moved to the beginning of the month and was never done. I called them before closing my credit card and paying in full and they agreed to remove late payments. They have not removed from my credit report and I am trying to buy a house and need these removed. 
Thank you