23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I secured  a   XXXX   XXXX   home equity loa n   XX/XX/XXXX  fr om AmTrust Bank in  XXXX   XXXX , Fl. The loan was to be paid off within 15 years from the date of the loan. There was never a discussion or agreement or notification that the loan provided the bank the right to call for full payment anytime after the first year. The bank in possession of my loan is New York Community Ba nk (   NYCB   ) in   XXXX , Ohio.   I received a letter from  NYCB      XX/XX/XXXX    t elling me my loan was to be paid in full     XX/XX/XXXX   .  I responded by letter that there was no way I could repay the loan in full and reminded them that the loan was for 15 years no t 10. Many lette rs have been trad ed and NYCB insisted th ey were within their rights to call the loan   XX/XX/XXXX .    Their arbitrary due date has passed. I continued making payments and my   XX/XX/XXXX   payment was returned to my bank and I received a letter advising me that I owed over  18K a nd that it was past due.   The bank has sent me mortgage assistance forms to verify my inability to pay the loan. I am very uncomfortable returning documentation with my signature to a bank that operates in the manne r of NYCB..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Reported Late Payments and Request for Investigation Process Explanation Dear CFPB, I am contacting you regarding inaccuracies I identified in the reporting of late payments for my XXXX XXXX XXXX account. These errors negatively impact my credit profile, and I request an immediate investigation and correction. Below are the account details and specific discrepancies : Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$3100.00} Balance Owed : {$0.00} Credit Limit : {$2800.00} Account Status : Open Payment Status : Current Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) Date XXXX Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Discrepancies Identified : Late Payments Reported : XXXX : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
Experian : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
XXXX : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
Inconsistent Reporting : The payment history provided by the credit bureaus is inconsistent with my actual payment records, which confirm that all payments were made on time as per the terms of the account. 
The account status remains " Current '' across all three credit bureaus, which contradicts the reported late payments. 
Supporting Evidence : I have attached copies of my payment records along with the relevant sections of my credit report to highlight these discrepancies. These documents clearly demonstrate that I have fulfilled my payment obligations on time. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Additionally, credit reporting agencies are required to conduct a thorough investigation of disputed information and promptly correct any errors as per 15 USC 1681i. 
Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a detailed description of the investigation process conducted, including the steps taken to verify the accuracy of the reported late payments. 
Proof of Late Payments : If the late payments are found to be accurate, provide verifiable documentation supporting this claim, including dates, amounts, and communication records. 
Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to do so will be considered a violation of my consumer rights. I trust that you will handle this matter promptly and ensure the accuracy of my credit report. 
Thank you for your attention. Should you require any additional information, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As it has been over a year since I started this dispute but I am still waiting for PNC Bank to have the negative/derogatory remark remove for my credit profile. In their last response they requested a letter from XXXX bank, I sent XXXX letter on XXXX which I received via fax from XXXX. On a cover letter 's subject line it it Clearly says that I never had any deposit account ( s ) and on the letter head it shows my credit account detail but PNC bank refuse to accept it. I sent a second letter on XXXX that says I don't have any checking/savings account with XXXX  but PNC Bank representative XXXX XXXX still refused to accept the letter and requested a new letter stating that I Never had any account with XXXX Bank in order for them to process my request. I sent third letter that I received from XXXX bank on XXXX that says I Never had any checking/savings account with XXXX. I am still waiting for the response and relying on PNC Bank to resolve this issue and remove the the negative/derogatory remark from my credit profile. 
I have attach the email correspondence with PNC Bank representative XXXX XXXX that was working on this issue, in which she said in her last email that she will not have any update on his case. I am still waiting for the response but they have not responded back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and demand immediate rectification in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts are inaccurately reported on my credit report : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX I want to emphasize that I did not open these accounts, and they are a result of fraudulent activity. 

These inaccuracies are clear violations of the FCRA, which mandates that credit bureaus ensure the accuracy of information included in credit reports. Specifically, the FCRA ( 15 U.S. Code 1681i ) requires credit reporting agencies to investigate and correct inaccurate information within 30 days of receiving a dispute.

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) requires debt collectors to provide validation of debts and allows consumers to dispute debts that are not valid. I have disputed the validity of these debts, and the information remains incorrect on my credit report.

Furthermore, the Identity Theft and Assumption Deterrence Act ( ITADA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide protections for victims of identity theft, including the right to place fraud alerts and to have inaccurate information resulting from identity theft corrected.
Product: Student loan

Dept of ED/Financial shows duplicate accounts for all of my loans with DEPT OF EDUCATION/XXXX. The duplicates need to be removed
Product: Debt collection

Received a mail but didn't have account number to login and dispute. 

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

On XXXX I emailed XXXX XXXX, CEO XXXX XXXX, Operations Director ; XXXX XXXX, XXXX XXXX, President, XXXX XXXX XXXXs and XXXX XXXX, Chief Global Operations Offices informing them that my FCRA rights has been violated. I have requested on several occasions that Equifax investigate my credit report because they are incorrectly reporting that my account with XXXX XXXX is open and that I owe the creditor over {$60000.00}, which is not true. Each time I request an investigation Equifax sends me a response stating that my disputed item was verified. Also Equifax would not verify items I asked them to verify, for example I asked that they verify the " Status '' of the account they would verify and update the account " Status Date '' I've also repeatedly requested that they provide me with the method of verification, including the name and address of the contact person and I have never received the requested information. 

Shortly after I contacted XXXX XXXX, CEO I was contacted by a customer service rep from Equifax during our conversation she asked that I provide her with the name and contact information of the XXXX XXXX XXXX that helped me so that she can verify my account ; that statement from her seems to be clear evidence that Equifax has not investigated my account. I do not understand why I am being asked to provide your company with verification documentation? Especially after not being afforded the same courtesy after my several request.
Product: Credit reporting or other personal consumer reports

Im reaching out because Equifax is helping XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  put incorrect information on my credit report related to the account below. 

XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as a gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my credit report isnt accurate! 

Accourding to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. Im requesting that you delete this inaccurate information from my report right away. 

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. keeping this inaccurate info on my credit report is a violation of the FAIR CREDIT REPORT ACT and your role as a credit report agency. 

Please delete this incorrect information from my report immediately. 

Thank you
Product: Vehicle loan or lease

The name of the company is Santander consumer USA, and my car was flooded my insurance company issued a pay off and it didnt help at all. I owe more after paying an additional {$1800.00} Im a victim of hurricane XXXX, and I am still homeless and they want money I dont have. They charge 18 % interest rate even after the vehicle is just gone it would be different if I had the vehicle or the title or something because I could use a salvage title or have it salvaged or something to pay them off but no they have the vehicle It seems to me that Im going to be paying forever
Product: Vehicle loan or lease

Was having vehicle trouble and was told to bring it to them to have it fixed made a payment while it was there car+mart then called us and said they are keeping the vehicle wasn't anything we could do then they said they sold it at auction for less then what we owed, problem is they put it back on their lot and sold it for more then we owed on it to another friend of theirs this place is into dealership fraud well this classified as dealership fraud we have called and complained time and time again we did not voluntary surrender this vehicle we was mislead the whole time also told nothing was wrong with the vehicle but we took it to 4 separate mechanics who all said the computer was bad and all the motor mounts needed to be changed b cause of failure, they got mad at us for complaining to corporate car mart in Arkansas at that point I recorded all phone interactions and notified them of me recording cart mart stated they would fix this issue but so far my down payment of {$2000.00} dollars is gone a payment of {$630.00} also gone no one returns calls, a 100 hundred other customers have had similar or worst issues with car mart of XXXX, XXXX
Product: Credit reporting

XXXX account was previously deleted from my consumer reports. XXXX was reporting unsubstantiated information and was therefore removed. Upon checking my credit. I noticed that the credit reporting agencies also re-inserted the XXXX account. The fair credit act says that the reporting agency must notify my in writing 5 days before re-inserting the items on my credit. FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( CONTINUED ) I have not received any information from the reporting agency as to the steps taken to verify the validity of the account.
Product: Credit reporting or other personal consumer reports

I have a XXXX debt on my credit report that was legally discharged via IRS Form 1099-C in XXXX. Since then, I have filed multiple disputes with Experian regarding this discharged debt. Despite providing documentation of the 1099-C discharge, Experian continues to report this debt as active. Each time I dispute, they respond only with 'debt has been verified ' without providing any documentation or explanation of their verification process. This practice violates the Fair Credit Reporting Act, which requires credit bureaus to conduct reasonable investigations and provide results of their findings. They have failed to properly investigate or validate this debt, and have not addressed the specific evidence I provided regarding the 1099-C discharge. The continued reporting of this discharged debt is causing harm to my credit profile and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its Equifax job to provide maximum accuracy according to 15 usc 1681e ( b ). I sent them factual disputes a they failed to investigate. I sent them my correct address an denied ever living at the address they have on my report numerous times an they simply ignored my complaint. Same for the inaccurate accounts. 15 usc 1681s-2 prohibits reporting info with actual knowledge of errors. I also asked according to 15 usc 1681b ( 2 ) for Equifax to produce me to the written consent that I never gave them to furnish anything as I have a rite to privacy therefore be left alone.
Product: Student loan

My original debt was {$19000.00} in XXXX  after XXXX of paying the minimum payment of {$130.00} remaining balance is {$16000.00}. It shows a difference of {$2300.00} which only went to interest ... ( USURY ). 
On XX/XX/XXXX they raised the minimum payment to {$400.00} without notice of increase or phone call.

I called Navient customer service XX/XX/XXXX at XXXX XXXX eastern time and complained about the unannounced increase and only received offers to other payment plans that only lead to the same results of not ever paying down the principal.
Product: Debt collection

This debt was paid in full before it was reported as being in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Credit Card Fraud Questionnaire with Target Card Services on XX/XX/XXXX. However, Target continues to report this account as delinquent with the Nation 's 3 credit bureaus, the only delinquent account on my credit report, and they are still actively pursuing collections from me. My XXXX Credit Score was XXXX on XX/XX/XXXX. Due to this one small fraud account, my XXXX is now XXXX. I respectfully demand that Target 's derogatory reporting be rescinded so that my credit score may return to " VERY GOOD '' These are NOT my charges, my ID was stolen and an account was opened in my name.
Product: Credit card or prepaid card

I wrote a complaint about my Bluebird account being processed late. After my complaint was sent to you, the new owners of the Bluebird name have suspended my account in retaliation. My account is blocked from access online and wasn't resolved upon calling the customer service number. They wanted me to confirm that another card I use was allowed to send money to my Bluebird account. When we made the call to the other card company, the information they needed wasn't available from that card agency ( XXXX  XXXX XXXX ). There was a small balance of money that can no longer be accessed by me or anyone else without any resolution possible. The account was locked from the Bluebird side, and once this was confirmed with XXXX, Bluebird had no reasoning available to address my lack of access to my account.
Product: Debt collection

I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information regarding the alleged debt : 1. The name of the original creditor.

2. The amount of the debt, including a breakdown of all fees, interest, and charges.

3. Proof that you are authorized to collect this debt, either through assignment or ownership.

4. Verification of the debt, including copies of any contracts or documents that show I am legally obligated to pay the debt.

5. A detailed payment history showing how the alleged amount was calculated and whether payments have been applied.

Until I receive this information, I request that you cease all collection activities related to this debt, including reporting this account to credit bureaus or pursuing legal action.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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
Product: Student loan

-Stopped attending university ( XXXX University , XXXX XXXX , XXXX XXXX ) in XXXX of 2013 due to financial and mental health issues. 
-did not graduate -All Federal loans service by Sallie Mae `` sold '' to spin-off company Navient -Could not afford loan payments due to minimum wage income and monthly financial burden -Navient sent emails every 3 months offering to " Resolve your student loan payments '' by replying to emails with the word, " yes ''. 
-Interest ( between 4.5 to 6.8 % for 5 different loans ) has accrued for years without any suggestion to alternatives -interest accrual increases the amount of the loan, and thus the difficulty of paying off such a loan without a college degree-paying occupation -Original loan principle was {$16000.00} total for 5 loans, Now totaling {$31000.00} to be paid off in a 10-year period
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent account and information I found you report on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. I am in need of you to please rmeove hte following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX FIN XXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I am submitting this CFPB Complaint to request that you remove the fraudulent accounts and information off of my Credit File.
Product: Debt collection

It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

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

this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet
Product: Debt collection

MediCredit is calling me using pre-recorded messages on my cell phone and leaving voicemails. I never authorized this. Please read the attached letter. I want medicredit to contact my authorized representative. No lawsuits have been filed as of yet. 

XXXX XXXX XXXX XXXX. XXXX SBN XXXX ) XXXX XXXX XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX, XXXX in XXXX, Colorado has reported me late on my mortgage 120 days. 

This is not true. 

They also reported that my mortgage was restructured the first of this year. 

That is also not true. 

Their incompetence has cost me over 100 points on my credit and this is not the first time they tried this. They are trying to go legit but are so horribly incompetent that they can not handle mortgages. I will be reporting this story to whomever I can find in the government and also to the Oregon Department of Financial Regulation. 

I have never been late with a mortgage payment in reality but with this " company '' I have been twice. They reported me over 7 years ago for being late which I fought and was able to prove that they just did not post my mortgage payment. 

I called this morning after not sleeping all night and they have to have a manager call me back sometime today. Well I work for a living and why can not the manager that was texting with the person I was talking to call me back now? Great customer service SLS.
Product: Debt collection

Hunter Warfield is reporting a debt on my credit reports without giving any prior notification or validation of debt. I 've disputed this debt with the credit bureaus as I have no knowledge of it. Hunter Warfield has not given any validation of this debt and has not notified me of any rights I have as a consumer to dispute said debt.