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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

You have successfully submitted your complaint! 
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ID FOR COMPLAINT SENT TO XXXXXXXX XXXX XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXXXXXX ID FOR COMPLAINT SENT TO EXPERIAN LEGAL DEPARTMENT XXXX Listed below are the Personal Information that are being challenged Incorrect Name - XXXX XXXX Incorrect DOB - XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Listed XXXX are XXXX Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( XXXX ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

The response is regarding the {$2900.00} I didnt receive. The response from the company was it not there fault its the bank problem. The information on the check is incorrect. I never signed for it. I signed for the {$2200.00} for the dirt bike. I never gave anyone my banking information. Its been XXXX years and this is my first time seeing a check. I never left the facility wit a check. At this point this is fraud and OneMain kept the XXXX to them selves. I have proof that. The money never made it to my account. Plus there is no proof of you guying giving me a check or taking notes of me getting the check on the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account with XXXX XXXX closed in XX/XX/2020 that I have no knowledge of. I have never been contacted by this company regarding any said account via XX/XX/. This company is reporting false debt balances, information, or re-aging ... or a combination of all and Experian is illegally reporting false info and thus ruining my credit by not verifying properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

States that a potential creditor or employer pulled my credit file because of an application, this was not done or authorized by myself, would like the hard credit pull removed please.
Product: Credit card

XX/XX/year> my credit card balance jumped from XXXX to XXXX overnight, without me making any purchases. I called the day after I received my statement. They were very rude and stated this was a fee due to my balance. 
I was never informed of this fee or penalty. I had never missed a payment and had been steadily paying my balance down to a manageable number. With my steady payments would have been paid off by now. With this extra {$2200.00} increase they essential stole all the money I had paid as if I never paid a cent. When I called for assistance XX/XX/year>, they said I had not paid anything. I told them to shut my account down so they did that raised my interest even higher and reported me to the Credit Bureaus as a risk. 

From this date forward, after never missing a payment they continued to raise my interest rates, so whatever payment I made made little or no difference to my balance. 
I can not keep up, I pay XXXX they come back demanding a XXXX dollar payment and my balance never does down. 

They have ruined my credit and continue to harass me for more money without consideration. I have called several times to find alternatives so we could work this out but they refuse to help.
Product: Debt collection

I received letter from American coradius international llc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} This is not my debt I never used this one. 
Account # XXXX Reference XXXX XXXXXXXX
Product: Mortgage

I am a XXXX XXXX and I XXXX for the State of Oregon as a XXXX XXXX XXXX. I am not making too much money and I work very hard for every cent I have ever made since I started working. I am not making the same money I was making with my previous corporate job, but I love my XXXX XXXX with XXXX XXXX  XXXX XXXX. 

In the process of attempting to refinance my loan, I found out that a Home Equity Line of Credit was taken out in the amount of about {$50000.00}. The loan office asked me if I did, I said No. I told him I had applied for this back in XXXX XXXX when I refinanced with XXXX XXXX XXXXXXXX XXXX I was approved for {$55000.00} but I was later told that there is no such account. I told them I was approved, and I have the documents to prove it. I was simply dismissed. 

I held on to these documents and I have over 175 pages of document for both the Refinance and the Home Equity line of Credit. I started to encounter issues with my mortgage last year and struggling to make payments because my mortgage keeps increasing. It started from {$1100.00} in XXXX and now is at {$1600.00} as of XXXX. I have inquired from all the loan servicing companies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX RushMore ) to explain to me why a fixed rate loan payment keeps increasing and nothing made sense when they explained that it is because of taxes. And I told them that should not happen. 

I have contacted all the loan servicing companies via phone and requested for the loan transfer documents. Last week, I went to the County Deed office and retrieved copies of all activities pertaining to the deed for this house. I have also contacted XXXX XXXX XXXX. Last week, I physically went there on to speak to an officer. I was there from XXXX XXXX because I was getting transferred from one place to the other. I was told that they see an account that was applied for in XXXX but not the Home Equity Line of Credit. I was also told by another person that accounts that are more than 7 years old, get purged/archived. No one in the " archived/historical accounts '' division could find this Home Equity Line of Credit. What is puzzling is that if accounts are purged every 7 days, why do they still see the Refinance account and not the HEL? These two accounts were created and approved the same day. 

I have reported this to the Oregon Financial Division, and I am now reporting to your department. I am a minority and I suspect that XXXX XXXX XXXX  has taken advantage of me as a woman and a minority and I hope something can be done and for someone to be held accountable for withholding {$55000.00} and then adding it back to my loan as if I took the money, when I did not!!! The account was established as a variable rate disclosable account which means I have been paying interest on this account when I did not benefit nor was ever able to utilize this line of credit. 

I have documents from XXXX XXXX XXXXXXXX that speaks to the two accounts. How one exists ( existed ) and the other does not I can not fathom.
Product: Checking or savings account

Greetings, I was trying to get money from my account. My stylist was trying to cash a check I gave him and he was not able to do so. Sun Trust Bank called me. I did not get the call, my ringer was off. I called my stylist and he informed me that the bank would not cash my check. I have had several problems with Sun Trust as I am used to banking at a credit union and the bank has fees and poor communication about the rules. I have had financial problems. However, in this case my balance was more than 50k on XXXX XXXX, 2017. I go into the XXXX Sun Trust and give the teller my federal id and an expired NC license with a current bank card. The teller does not accept my ids so I go to a desk and empty my purse to locate my license and the bank manager gets upset and tells me to leave. I remain calm and try to locate my license, I do. The bank manager tells me to get out of his bank. I call the police. The police mediates. I explain to the bank manager that I am checking everything he is doing against another bank and he stops the transaction. I want him at the least written up and at the most fired!
Product: Debt collection

I settled with portfolio recovery for a XXXX XXXX credit card debt and its still reporting a balance. This account is legally settled and is still affecting my credit because its reporting an inaccurate balance. The balance should be reporting {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the following fraudulent accounts from my credit report, as I have been a victim of a data breach. These accounts were opened without my consent or authorization, and as such, I am requesting their removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XX/XX/XXXX {$220.00} XXXX. XXXX XXXX  XXXX XX/XX/XXXX {$110.00} XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX  XXXX XX/XX/XXXX {$00.00} These accounts were either fraudulently opened or incorrectly reported, and they are not associated with any actions or agreements I have made. I am requesting that all of the above accounts be blocked from my credit report, and any associated negative information be deleted in compliance with the Fair Credit Reporting Act. 
Inquiries to be Investigated : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Consumer Loan

I bought an educational package from XXXX in 2014 and got enrolled into a payment plan which was to continue for a period of 12 months, the educational service was to continue for 12 months. I was making the payments on time but decided to stop making payments due to the violation of Contract by XXXX. Part of the services which was weekly support call and were deemed an important part of the services by XXXX and XXXX who was the individual who signed up. 
Those services were not delivered and due to the lack of delivery of the important part of the program and services which were mentioned while I was being lured into the program, my condition has not changed and I do not see any impact on my development in the area. 
This issue was discussed by XXXX one of your supervisors end of XX/XX/XXXX. XXXX understood my resentment towards XXXX and advised that if I bring the payment up to date till XXXX then he will try to resolve my issue. I brought my payments upto date.After that he left a message on XX/XX/XXXX as he promised and told me that he tried Contacting XXXX but XXXX never responded back to him. This is how XXXX is they want to take people 's money and do not want to deliver the services. Their contract is pretty generic and does not mention any details. They just want to rip people off. Also I tried contacting XXXX 4 times and left him 4 voice messages to follow up but he never returned my calls. 

At this point I do not think I owe anything to XXXX untill and unless they straighten up their act and start delivering their services as XXXX assured. If I keep making monthly payments with out getting any services then it does not make sense. Also to charge individuals around {$2500.00} dollars just for 4 30 mins sessions and not deliver on the following weekly calls do not make sense and is a rip off. At this time Moterey has started charging me interest on the balance and this is affecting my credit. I seriously need help and need CFPB to intervene and help me out.
Product: Mortgage

Our Mortgage service company LoanCare is delinquent in paying our flood and property insurance from escrow resulting in the policy being cancelled. We have called Loancare at least 4 times over the last 6 weeks and they have promised 3 times promised to overnight the payment to the Insurance company, but that has not been done. We have also submitted inquiries via their web portal. 

LoanCare , LLC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, XXXX XXXX XXXXXXXX and XXXX XXXX  are reporting XXXX different account numbers : -XXXX XXXX XXXX account # XXXX in Equifax and XXXX in XXXX and XXXX XXXX XXXX account # XXXX in XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here is the updated list of bank accounts with the close dates and current statuses 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted a dispute to TransUnion for multiple hard inquiries on my report that I did not recognize nor authorize. 
On XX/XX/22 TransUnion responded and stated that each company does not require my authorization to pull my credit report and I must call them directly. 
On XX/XX/22 I contacted each unauthorized inquiry creditor and was transferred to multiple departments each time with no representative able to find any record of my information, authorization for a credit application, or an application on file. 
On XX/XX/22 I contacted TransUnion via phone to confirm that each creditor has no record of my information on file. I was told by XXXX that they will not remove the dispute and my only course of action was to contact the creditor although they do not have any record of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus stated that my account was properly investigated this can not be fact at as as the account listed are all reporting inaccurate across all three bureaus. 
15 USC 1681 section 602 A. states i have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account with out my written permission 15 USC 1681e compliance procedures 15 USC 1681b accuracy of report when ever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates, 15 USC 1681a ( 5 ) if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or unverifiable the consumer agency SHALL promptly delete that item from the file of then consumer these accounts are all being reported wrong across all three bureaus account name : XXXX XXXX XXXX account number : XXXX  account name : XXXX XXXXXXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX account number : XXXX these accounts have been disputed and re disputed with no change or fixes to my report under the laws that govern these credit bureaus my rights as a consumer have been greatly violated
Product: Vehicle loan or lease

My name is XXXX XXXX, I am who I say I am. First I want to start off by saying there is no such thing as a " loan '' so that is already false and misleading pursuant to 15 usc 1611. I have already reached out to Santander Consumer USA on several occasions and have proof in the attachments that I will provide. They already have received my cease and desist and have continued to violate it by not giving me the specified remedy within the cease and desist which I know that I am entitled to pursuant to 15 usc 1692c ( c ) ( 2 ) because I am the consumer, original creditor and the natural person pursuant to 15 usc 1692a ( 3 ). I have also sent them 2 separate affidavits of truth which they have ignored and not replied to. within the attachments you will see that Santander Consumer USA continuously and deliberately violate my federally protected consumer rights and currently owe me {$85000.00} usd for each of these individual actions against me pursuant to 15 usc 1692k. I have used exhibits ( which will be attached ) to show PROOF that they are deliberately violating my federally protected consumer rights and I am reaching out o the CFPB to help me receive the remedy that I am entitled to as a consumer.
Product: Student loan

I have been on income based payments for the last 2 years. However, the income based payments have to be renewed yearly, but I never receive a notification warning me that my payment plan is changing and I am enrolled in automatic payments. There is no email or correspondence guiding me to renew my income based plan. So 2 years in a row I have found that Navient goes from taking my income based payment, which is around {$35.00}, to my original payment, which last year was roughly {$300.00}, to this year 's, which was {$510.00}. Not only am I struggling financially to pay that amount, as I didn't even have the funds in my bank account, but I have a 5 month old child to take care of now. Last year I played telephone tag with Navient in hopes that they would reverse the payment, and never successfully got in touch with someone, so I gave up. I just attempted to contact them this morning regarding the {$510.00} and got disconnected both times without the option of leaving a voicemail message.
Product: Credit reporting or other personal consumer reports

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the XXXX XXXX XXXX. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Product: Debt collection

On XXXX XXXX XXXX I paid XXXX XXXX XXXX in full for the balance of {$560.00} on XXXX XXXX I received a letter stating that I owe {$14.00}. XXXX when I try to call to ask about this outstanding amount I was given three different telephone numbers and on each number I had to wait a minimum of 15 minutes before someone arrived to tell me that I had to call yet another number. 

1. XXXX told to call MCM direct 2. XXXX told to call the collection department 3. XXXX Seems like they are not being forthcoming in resolving my account. I can see them adding fees and interest to this charge.
Product: Mortgage

We challenged the alleged debt from Ocwen. We sent numerous debt validation letters to Ocwen Loan Servicing on XX/XX/XXXX. We received correspondence back from Ocwen on XX/XX/XXXX stating that they are still researching and they will respond within 10 business days. The following nine days, we received a second notice on XX/XX/XXXX showing an Escrow printout. We received a third notice dated XX/XX/XXXX showing that the loan originated on XX/XX/XXXX by XXXX XXXX XXXX, a Delaware corporation, for the amount of {$340000.00}, which is no longer in business. According to my research pertaining to Ocwen Loan Servicing, they are now listed as a third party debt collector and have numerous lawsuits filed against them, so therefore, they need to be fully investigated before initiating foreclosure. In regards to Ocwen Loan Servicing we  received a copy of the Deed of Trust, the 1003 Uniform Loan Application and the HUD1 Settlement Statement and the alleged Note. So according to the documents received, we noticed that the loan is in a predatory, truth in lending and RESPA violation according to the real estate laws. This loan is an adjustable rate mortgage which falls under predatory RESPA and truth in lending.