23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am not familiar with this item and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

* 1 ) XXXX - NO BALANCE LISTED- there is also 2 different open dates on different bureaus from XX/XX/XXXX - XX/XX/2017 this is therefore inaccurate information as well.
Product: Mortgage

XX/XX/2018 - I was provided a link to a website to pay for an appraisal. I paid {$830.00} to appraisal service.

XX/XX/2018 - Appraiser came to home I have repeatedly called appraiser company asking for a copy of the appraisal and I have been told I must obtain that through Ally. I have repeated emailed and called loan officer Ally who states that the loan is still being worked on and will not provide me a copy of the appraisal.
Product: Credit reporting or other personal consumer reports

I have disputed items on my credit report that are incorrect through Experian Equifax and Transunion XX/XX/year>, XX/XX/year> and XX/XX/year>. Id like copies of the documents they used to verify accounts on my credit report. There are also items on my account that are over XXXX XXXX XXXX and should be removed.
Product: Credit reporting or other personal consumer reports

Trying to dispute old addresses phone numbers old dispute. Update on some of my students loans as current instead of past due saying it was done but got nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I entered the Bank to close my account. The girl at the desk said she would help. So as she's talking to me she keeps asking me if I'd like to speak with a banker. I said no, I simply want to close my bank account. She asked why, I told her, So she kept trying to ask me financial questions. Are you looking to buy a home? What are your financial goals. Again, I told her JUST CLOSE MY ACCOUNT. After 15 minutes of probing questions she finally closed my account.

I find out later that day by XXXX  that she did a credit inquiry without my consent. I went back to the bank to get her information.

It was completely deceptive to run my credit without my consent. ALL I asked her to do was close my account which only takes 2 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I going through my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response and the response is saying about verification that I keep sending in. These accounts are hindering it are keeping getting a loa? Please remove these items from my credit this my third letter Im resending
Product: Mortgage

I have sent a request to recast after paying off {$69000.00} off XXXX mortgage since XX/XX/XXXX. Sun Trust came up different reasons to delay the process and changed the criteria of what can be and can't be changed. For example, SunTrust can't get the principal correct in the recast after I have contacted them few times. After few contacts, I decided to send in one additional payment and hope that they will come up with the right principal amount to recast. I was told that we can send in recast request if we pay additional {$5000.00} in the principal but last XX/XX/XXXX they told me that I have to send in at least 10 % of the outstanding loan to request any recast. When I came up with 10 % of the outstanding payment to recast and requested to remove the escrow account at the same time, I was told that I can't remove my escrow account because the investor has changed the criteria of escrow accounts removal. The escrow account can only been removed after opening the account for two years and my account has only been open for one year. I told them that I was told that escrow account can be removed after one year when I first refinanced and was able to do so with my first Sun Trust account before I refinanced. They told me that the investor has changed the rules last XX/XX/XXXX. I asked them why I have never received any information about the changes. Particularly, I sent in the request about XX/XX/XXXX and I have paid off all of taxes for XX/XX/XXXX at the end of XX/XX/XXXX. Sun Trust never bothers to tell me that I can't remove escrow account until I paid off the rest of XX/XX/XXXX taxes and called them back to ask them to apply the escrow amount to the principal. I never got any answer. All they do is asking me to pay additional XXXX for something that I already paid. 

After recast, Suntrust requested me to send in {$4900.00} for XX/XX/XXXX and it also shows that I am past due {$2400.00}. I have contacted SunTrust and asked them to recalculate the payment and also reinstate the fact that I have never received any changes about escrow accounts. They contacted me twice via the phone. When I called back on XX/XX/XXXX around noon, I got cut off. I called them again today ( XX/XX/XXXX ) and got cut off first time after speaking with the first representative. I called back again at the number that was left at my phone and spoke to the second representative. He was not aware of escrow account issue but he told me that they have a lot of information on my account about me not being able to pay and need assistance on my payment. I still can't get any answer about escrow accounts.
Product: Mortgage

I have been a SunTrust mortgage client for almost 7 years and was looking to refinance my loan to get a lower rate. I thought my years of on time payments and 800+ credit score would make this process easy, boy was I wrong. They changed documentation requirements several times due to Covid ...? When I finally got feed up and started looking around it turns out that I was able to get much better terms, APR 2.776 vs. 3.125 on 30 year refinance. Once I notified SunTrust that I was using another lender they issued a " statement of credit denial '' due to inability to verify income. I am retired and can make my income whatever I need to. They would not return calls or e-mails. I will payoff this SunTrust this week and will never do business with this organization again.
Product: Credit card

Elan Credit services will not allow me access t o my account. They wont send my statements and they have locked me out my on line account. I do n't know what charges are being charged. I do n't know if I have late charges etc.
Product: Debt collection

I applied for a personal loan to find out that a debt collector named Zion Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> - Invoice # : XXXX was collecting an outstanding debt from a company named XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Phone : XXXX. The person used the name XXXX XXXX instead of XXXX XXXX ; used the address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; used the phone number : ( XXXX ) XXXX ; and used the email address : XXXX. None of the information is my personal information nor my place of residence.
Product: Debt collection

XXXX XXXX XXXX on XX/XX/XXXX sent notice regarding XXXX XXXX  @ XXXX claiming {$510.00} as sums due. XX/XX/XXXX I sent dispute letter via certified mail requesting validation for said sums and informed them I was represented by legal counsel. XXXX XXXX XXXX received said correspondence on XX/XX/XXXX. Correspondence dated XX/XX/XXXX from XXXX XXXX XXXX claiming same amount, {$510.00} with itemization of charges. XX/XX/XXXX I sent dispute letter via certified mail which was received XX/XX/XXXX by XXXX XXXX XXXX. As of today, XX/XX/XXXX XXXX XXXX XXXX has failed to respond to the dispute letter. Correspondence dated XX/XX/XXXX was received from Wakefield and Associates regarding XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX sent correspondence claiming {$860.00} as sums due for the very same account XXXX XXXX XXXX . In that correspondence they claimed to be responding to my correspondence to them. I had no correspondence with them regarding this or any other matter at the time. What they failed to disclose is that Wakfield and Associates and XXXX XXXX XXXX are one and the same - as per discussions with XXXX XXXX XXXX XXXX their client. XX/XX/XXXX I sent dispute letter via certified mail which was received XX/XX/XXXX by Wakefield and Associates. As of todays date Wakefield and Associates XX/XX/XXXX has failed to respond to said dispute letter. Each sum claimed was in contradiction with XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX statement of account. the On XX/XX/XXXX I was notified by XXXX of collection activity reported on my credit profile by XXXX XXXX XXXX for yet another differing sum of {$330.00} for the XXXX XXXX XXXX XXXX XXXX XXXXXXXX @ XXXX account. XX/XX/XXXX I was notified by XXXX of collection activity reported on my credit profile By Wakefield and Associates for yet another differing sum 0f {$330.00} for the XXXX XXXX XXXX XXXX XXXX XXXX @ XXXXXXXX . account. Further both of these entities disregarded the fact I was represented by legal counsel on this matter and never contacted my legal counsel - which was requested of them to do in each and every correspondence with them. The same company under different names acting as a third party attempting to collect a debt ; submitting claims with differing amounts for the same account, unable to disseminate the actual amount due and ts client 's billing, refuses to contact legal counsel, fails to respond to dispute letters and then files collection activity on credit profile with yet another differing amount violating Federal Fair Debt Collection Practices Act, and fails to dislcose that XXXX XXXX XXXX and Wakefiled and Associates are one and the same.
Product: Credit reporting or other personal consumer reports

" I previously challenged the erroneous and incomplete information on my credit report, yet [ XXXX ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies.

- A formal dispute letter outlining the errors and specifying the necessary corrections.

- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a XXXX XXXXXXXX XXXX from a Dealership called XXXX XXXX in XXXX Maine. I was financed through Credit Acceptance Corporation. They neglected to tell me that the XXXX was used as a plow truck prior to my purchase and they also had put an illegal state inspection sticker on it. After 6 months of having the vehicle I was experiencing a lot of issues with the electrical and was made aware of the plow harness that was still attached and that it was causing multiple issues, as well as spending over {$4000.00} just to keep it running. I had taken the truck to get a new inspection sticker and an oil change after having it for a year at the mechanic I use because he specializes in XXXX and he refused to do the oil change and refused to put a sticker on it. He then proceeded to show me the under carriage of the truck and to show me how badly rusty and deteriorated it was and told me it was not a safe vehicle. He also explained that the amount of damage on the vehicle did not happen within the year of me owning it. I explained my issue and concerns to the finance company Credit Acceptance and they were unwilling to work with me so ultimately I told them I needed to surrender the vehicle because the payments I was making monthly was {$750.00}. Which at that time I had never missed a payment. I stopped making the payments and parked the vehicle in my yard for them to tow it away. The truck sat In my yard for 11 months which during this time they proceeded to try to take money from my account plus added late fees. They accused me of me of trying to hide the vehicle which was not at all true I voluntarily surrendered the vehicle. Because of Credit Acceptance and the dealership XXXX XXXX my credit has been destroyed and left me in a very vulnerable situation. I feel very taken advantage and consider them a highly predatory lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy Chapter XXXX listed on my XXXX, Trans Union and XXXX  reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.
Product: Debt collection

In early XXXX, I successfully disputed a {$58.00} collection account from XXXX that I did not owe. The servicing collection agency at the time was XXXX XXXX, XXXX. This collection agency could not validate the debt and removed the account from my XXXX report. 

In XXXX XXXX, I received a phone call from a collection agent from Diversified Consultants on behalf of XXXX claiming that the {$58.00} was still owed. I demanded that they not contact me by phone again and to send a written validation of the debt within 30 days. The agent agreed to do so and said that a representative from XXXX would be contacting me. I never heard from anyone again about this matter. 

Diversified Consultants has now begun reporting the {$58.00} collection on my credit report. I have filed disputes with XXXX, XXXX, and XXXX. I have no knowledge of this debt and will not be paying unless it is fully validated.
Product: Mortgage

My Home mortgage was transferred from XXXX XXXX to Mr. Cooper. We have tried to call them at all the numbers they provided and all we got were more computer menu options that did not apply to our issue. We paid our mortgage on XX/XX/year> using their automated system with a conformation code XXXX XXXX  Since then, we received a bill for the XX/XX/year> mortgage payment that shows we own two payments since we had not paid for XXXX. Again, we have tied to contact a human being to address the issue but with no luck. Perhaps you can help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter opened a credit card account with XXXX XXXX XXXX XXXX XX/XX/XXXX and added me as an authorized used. I asked her to remove me and she did effective XX/XX/XXXX. She was 30+ days late on a payment XX/XX/XXXX. The account is showing up on my credit report, complete with delinquency as of XX/XX/XXXX. I have asked Equifax to remove this from my credit report as it is affecting my score and the delinquency is glaring!
Product: Credit reporting or other personal consumer reports

These accounts below are fraudulent and needs to be removed immediately XXXX XXXX XXXX XXXX XXXX during XXXX XXXXXXXX had a data breach and unfortunately I was a part of it and my identity was stolen along with XXXX XXXX other people and due to that is now causing fraudulent accounts reporting on my credit report shown above that dose not belong on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute on the XXXX of XXXX the wrong information still remains.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off on my credit report I have identified a charge-off associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Under IRS guidelines, a charge-off is treated as income for tax purposes. As a result, it should not be reported as a negative item on my credit report, as it is effectively considered settled debt rather than an outstanding obligation. Reporting it as a charge-off misrepresents my financial status and has a negative impact on my creditworthiness. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and not misleading. Since the charge-off reflects a settled debt that the IRS considers XXXX income, it should not be listed as a negative item on my credit report. 
I kindly request that you investigate this matter and remove the charge-off from my credit report if it is determined to be inaccurately reported. Please provide me with written confirmation of your findings and the results of your investigation within the XXXX  days required by the FCRA This is violation of my rights under 15 USC 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account that was in collections. this was paid in full on  XXXX . This item continues to remain as an open collection even though i have supplied info to equifax showing that this has been paid and needs to be adjusted and they continue to claim that they are " verifying the debt '' which is impossible as i have a letter that shows this incorrect
Product: Credit reporting or other personal consumer reports

As of my XXXX credit report on XXXX Equifax and XXXX. Never open a XXXX credit card don't know anything about XXXX credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. File a complaint with attorney general 's office consumer protection as well. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze setup with Experian. I can not get a temporary lift applied online or in writing from Experian using the security PIN code they provided or when I mail all the requested materials to them in writing. 

I have been refused loans 4 times in the last 18 months because they could not pull a report from Experian including the most recent with XXXX XXXX on XX/XX/XXXX. 

I have written Experian about the problem three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have not received a response or a remedy to the problem. 

Their online credit freeze lift doesn't work. Mailing them the requested materials doesn't work. There is no phone number to reach them ... I am just told to send the request in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my Experian credit report that is not mine and is adversely affecting my credit score. I have disputed the Item several times with Experian and they have not removed it from my credit file. The account is not mine I never authorized this account, I never signed for this account and I never received any goods or services from this debtor. The creditor, is a bank called XXXX, which I never had any dealings with. This account was opened by my ex husband without my authorization and I have filed an identity theft report with the FTC that outlines this account. The Bank will not talk to me about this account because it is not in my name, so why do they continue to repot it to my credit file? It is over 7 years old and should be removed from my file permanently.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year> & XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Credit reporting

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

XXXX XXXX