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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting

I have the same XXXX loans appearing as duplicates on my credit report. XXXX XXXX and then XXXX XXXX. XXXX XXXX report d these loans as late XX/XX/XXXX. Assigned my loans to XXXX and they too reported the same loans on XXXX/XXXXThese are the same XXXX loans same dates I was granted them. Same amounts. Same late dates. But rather than have the XXXX loans reflecting I have duplicates and they are XXXX items. The amounts of the loans are XXXX and XXXX. Just because they were later handled by XXXX does n't mean I have to have them duplicated. I need the duplicates deleted because this is an untrue reflection as each appears as a XXXX account I defaulted on when it should only be XXXX
Product: Student loan

I have been trying for YEARS to get Fedloan servicing to set up a income based repayment ... For some reason it is always stalled out, or can't be processed, or needs more documents, or a signature is missing, even though I am doing everything they ask or tell me. I keep having to put my loans in forbearance which accrues interest and nothing is ever resolved. I have spent hours on the phone, I've tried the website, it just never works. This is the most ridiculous process I have ever seen. I am certain I am not the only person having this problem. Please help
Product: Credit card or prepaid card

The company is discover card and they already know the problem because I reported it to them immediately the first time it happen and then it happen a second time and now they are working on my account to try to fix it as it was agreed upon. Do not know if there is something else that could or needs to be done. That is why I am writing your organization now about my discover card issues. This company keeps submitting my whole balance despite the fact it is on a Monthly agreement payment plan.
Product: Debt collection

ERC added a collection to my credit report without a verification letter in XXXX XXXX. They did the same thing in XXXX. I mailed them a letter to verify the debt so I could research it. Instead of sending me information about the debt, they removed it from my credit report. I have asked them for verification of the debt again and they have not provided anything. I believe it to be fraud!
Product: Vehicle loan or lease

In XXXX - I was new to the USA with no credit history. Santander Consumer USA offered me a loan at an APR of 27 % for a {$14000.00} XXXX XXXX. I was paying on the car, never missed a payment. In XXXX I had to move out of the country full time due to a family emergency which had me living overseas for 3 years. I voluntary surrendered the car in XXXX and the car was sold for {$8000.00}. I also up until then had paid almost {$5000.00} which was primarily in interest fees with a 27 % APR. In total they had made over {$13000.00} on a XXXX XXXX XXXX. 

I am currently back in the USA and am looking into purchasing a new car and was denied due to Santander Consumer USA 's charge off on my credit report. I then read that they are in a XXXX dollar settlement and are required to remove and forgive all debts from consumer 's credit reports. I sent a letter to have the debt validated and they did not validate the debt, I sent a letter trying to settle the account and did not receive a response and yet they still continue to report a balance to the credit bureaus on an account that has been charged off since XXXX. I resided in a state that is included in the settlement and have yet to receive any documentation regarding the removal of the account from my credit report. 

I have called Santander executive offices and have just been passed around, I have sent letters to the credit bureaus requesting to have the debt validated and to no avail. 

This is my last resort in getting Santander Consumer USA to make a move. I live in a state with extremely harsh winters and I do not have a reliable car. I do not have the luxury of waiting on Santander to make a move. Santander has literally financially scarred me and I am just now realizing how inhumane a 27 % interest rate is. 
I have offered to settle this alleged debt and they neither denied or accepted the offer. Not even a response validating this debt. 

I would like this removed from my credit report on the sole basis of what was agreed upon in the settlement offer. I am not asking for money from the settlement, I am simply wanting this removed from my credit report and the alleged debt forgiven due to their unfair credit practices. 

You have made money on this XXXX car. Why do you insist on keep punishing me?? Why do you insist on practicing unfair business practices despite having a lawsuit against you? The market is saturated why do you insist on collecting on a charged off account?
Product: Student loan

I received a number to call in regards to the student loan forgiveness bill XXXX passed. This contact is The Student Loan Relief Department ( TSLRD ), XXXX XXXX, XXXX. XXXX XXXX has told me that I would have my loans forgiven after tens years of minimum payments and for the first year I 'd be paying a XXXX dollar payment. When I spoke with XXXX XXXX XXXX ( my lender for student loans ) regarding a customer call back. XXXX stated that these kind of loan forgiveness companies are frauds charging money for free services and falsifying information on the loan forgiveness application. XXXX instructed me to call Consumer Finance to make a federal complaint in regards to this situation. The Student Loan Relief Department had me sign some documentations to process my loans for consolidation and charge me approximately XXXX XXXX dollars. The XXXX XXXX dollars was given to TSLRD by Manhattan Beach Ventures, LLC which is a bank that authorized the loan or credit for XXXX XXXX dollars. I do not wish to consolidate my loans nor do I wish to do any further business with TSLRD or Manhattan Beach Ventures, LLC. I spoke XXXX XXXX from TSLRD via phone and told her that I planned to file a complaint with Consumer Services, if we could not come to an agreement of to stop the process and cancel the credit for the XXXX XXXX dollars. She laughed and said that I would be paying the XXXX XXXX dollars back weather TSLRD processed to loans or not. I feel helpless, scammed and afraid of having my credit ruined. If my credit is ruined I could potentially lose my job with the Federal Government as a XXXX XXXX XXXX XXXX.
Product: Mortgage

MY HUSBAND XXXX XXXX XXXXPURCHASED A MOBILE HOME IN XXXX XXXX XXXX { NOW OWNED BY YES COMMUNITIES ] IN XXXX/XXXX/2010 THE CONTRACT WAS THAT WE STAYED IN THE COMMUNITY FOR 4 YRS. WE ASKED ABOUT MOVING A LITTLE BEFORE THE FOUR YEARS WERE UP AND WE ASKED WHAT WOLD BE THE CHARGE TO MOVE OUT EARLY. I RECIEVED AN E- MAIL OF THAT PART OF THE CONTRACT FROM AN XXXX EMPLOYEE NAMED XXXX . WHEN I GOT THE COPIES I NOTICED THAT MY HUSBAND SIGNATURE WAS FORGED BY XXXX XXXX I HAVE THE COPY. SHE SIGNED MY HUSBANDS NAME ON THIS DOCUMENT, AND WE NEVER HAD THE COPIES IN OUR ORIGANAL PAPERS. WHEN WE CINTACTED XXXX XXXX THEY WOULD NOT RESPOND. WE WENT TO A LAWYER AND FOUND SOMEONE TO TAKE IT ON A CONTINGENCY. 
IT HAS NOW BEEN OVER 2 YRS AND THEY STILL HAVE NOT COMPLETED. MY HUSBAND AND I WANT TO MOVE FROM THIS COMMUNITY, BUT I HAVE BEEN TOLD WE CAN NOT MOVE THIS TRAILER NOW UNLESS WE PAY IT OF????? THIS WAS TOLD TO ME BY 21ST MORTGAGE OUT OF KNOXVILE TN.. WE WANT JUSTICE FOR THIS AND NEED AS SOON AS WE CAN TO RESOLVE THIS ISSUE
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report with TransUnion, XXXX  and XXXX  it states that USBK COURT XXXX WISCONSIN bankruptcy court is the one reporting a bankruptcy to them, in which the Bankruptcy court does not report anything to the credit agencies. I was also notified by TransUnion that it was verified as accurate.I also sent them a certified letters asking the big 3 to send me something verifying with the courts that the bankruptcy is accurate as Transunion states thats the reporting individuals.I also have a credit freeze with multiple agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

How is this charged off when there is no late remarks on it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to ignore a consumers requests for the removal of the fraudulent information from my Credit Report. Again, I was a victim of identity theft and this is another CFPB compalint requesting to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I need the disputed items removed completely from my Credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

In XX/XX/2020, I was forced to move out of my apartment cause the person I lived with was not following the rules set by the state government regarding covid health and safety. I have an XXXX  XXXX and XXXX so getting XXXX prior to any known treatment or vaccine being available was dangerous. I explained this situation and the risks my roommate was making to my health and asked that they release me from the lease. They stated that they would not and that only my roommate who was causing the risk to my health could. I contacted a lawyer and they assisted with requesting a reasonable accommodation from my lease under the ADA and Michigan law. Despite this, the XXXX sold the account to Procollect stating that a debt was owed by me and my roommate even though I had given proper 30-day notice to end my lease in addition to the reasonable accommodation. Procollect has since continued to harass me exclusively, they have not contacted the actual owner of the debt, to repay this debt I am not obligated to pay. I have contacted Procollect to resolve this debt and they refuse to discuss the matter with me because I dispute legal obligation and ownership. The agent assigned to the case hang up on me in response to my requests. I have disputed this account for years explaining the above and submitting the letter from my attorney as supporting documentation. The company along with another responded to my disputes by removing the collection from my account for around 4-6 months before adding it back to my credit report. This is not the first time this company has done this as over the years they have removed it when disputed for a span of time and then added back. This account was properly removed elsewhere but because of XXXX 's loose rules regarding reporting they continue to add and remove it from my account at will.
Product: Mortgage

Currently because of covid I am on a forbearance plan which expires at the end of XX/XX/XXXX. My mortgage was sold by XXXX XXXX to Selene Financial. At the beginning of XXXX I received a letter from Selene stating that my mortgage was in default because I was six months in arrears. I immediately called them and the woman I spoke to told me that the terms I had in XXXX XXXX would be honoured. A couple of weeks later I got another letter from Selene telling me that unless I paid them {$14000.00} my home would be foreclosed on. Again, I immediately called them and told them I had spoken to someone before and the situation was resolved. He told me there was no record of the call. I do have a record of the call. The man told me that I needed to fill out a form which he would send me and the {$14000.00} would be added to the end of the mortgage term. Instead I received a letter from Selene which told me they were pursuing foreclosure. Then today I got certified letters from them stating that unless I pay the {$14000.00} by XX/XX/XXXX which represent the amount I'm in default for, my home would be foreclosed on. I can not understand how when Congress passes a law allowing homeowners who are affected by covid to have their mortgages go into forbearance, that companies can ignore it and try to foreclose on properties.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts should be removed from my credit file as soon as possible, please remove this account. I have provided a hard copy of my police report.
Product: Credit card or prepaid card

On XX/XX/2020, I wanted to do a fund transfer from my Way2Go card ( GoProgram ) to my XXXX checking account. I wanted to transfer {$5300.00} to my checking account, but I was not able to due to the option of Fund Transfer being unavailable. I proceeded to call the customer service number provided on the back of the card but I was only able to get a hold of the automated system. This system also did not provide any option for Fund Transfer or to speak to a representative so I may resolve the situation. The website and the card did not provide a way to resolve this. I hope to get some information on to take steps to resolve this issue.
Product: Credit card

Experian credit bureau used an onslaught of advertising to truck me into taking a pre approved credit card. I decided after almost daily emails and internal pop ups to do it. XXXX XXXX XXXX XXXX XXXX '' Card was issued without the limit I was guaranteed for applying and they PRE CHARGED me from some other company for the fees charged. They adversely effected my credit in callusion with the Experian Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX etc is the president of a XXXX XXXX  entity known as XXXX  XXXX at the address used physically. This seems to be a XXXX  situation and there is no way of knowing who this person is. The affiliated XXXX XXXX XXXX is an INACTIVE company located in NB. 

I have not researched Experian for shell games and possible maphia fronts perhaps you should. 

There are multiple internet predator complaints about ALL 3 of the companies in question. Please help the other victims of the interactive predatory lending and data breaches. 

They have also yet to answer for the XXXX XXXX XXXX sole proprietorship breaches and alterations of my business file in their business division. Please don't hesitate to mention that.
Product: Debt collection

Yes I Purchased furniture from Conns in 2015.. When I made the purchase my limit was XXXX. I did use the line but now the line is showing on my credit report 2 x one for XXXX and one for XXXX. I could n't even purchase that much. I have made several attempts to dispute and I even informed the collector I would not make any payments until the XXXX $ was removed. I will accept the higher one. They also called me back into the store that same week to resign paper work which I thought was weird because they say the signatures did not match. How is that? this is crazy to me and it is going on 2 years now
Product: Debt collection

This company is attempting to collect a debt that has been closed and it not owed to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Inquiries XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX and its Account Managers several times, I have sent a cease and desist letter and although I paid this account off XX/XX/19 it still is reporting monthly as 60 days late with a {$610.00} balance to XXXX, XXXX  and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has reported on my TransUnion credit report on XXXX, XXXX, 2020. Ive NEVER done any business with this company. I dont know this company and I definitely believe this is Fraud. I want this company deleted from my TransUnion credit report immediately.
Product: Vehicle loan or lease

DBS financial had broken TILA laws by not fully disclosing to me at the time I signed the application that I also unbeknownst to me that I also gave them my POA to act in my behalf. I also wasn't told that by giving them my SS number that it then becomes a trust action because I am the XXXX of my SS XXXX XXXX XXXX  XXXX. They go and file a 1099A on my behalf with the Treasury to receive the funds to pay back the credit that they extended to me to buy my car. And instead of marking it paid in full like they should they monetize my app with the promissory note by taking app and the funds they receive from the trust fund and use those funds and invest in the stock market. Once they do they then the note then becomes the collateral so they unlawfully took my car when they repossessed XXXX  XX/XX/2023! I want restitution.
Product: Credit reporting

I have been in contact with Equifax for the past 2 weeks in regards to accessing my credit report. My bank, as well as myself am unable to pull the Equifax file and I am also unable to access my personal credit report through my paid monitoring service. I was informed that it is due to too many soft inquiries and was informed " nothing could be done ''. This is completely unacceptable. I need these soft inquiries purged in order to be able to access my report. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was informed that the bank denid my request to remove the delinquency charge. 

They admitted that the mail had bounced as I had not been able to receive mail due to the homeowner who sold me the home losing the keys, and that US Bank had the incorrect email on my file so I did not receive any email notifications about my delinquency as well. 

I thought my account was setup with XXXX and enrolled in autopay, so when I found out that my score dropped 150 points due to a delinquency charge ( unknowing that another bank had taken over my account ), I immediately found out whom owned my loan by searching XXXX and paid off the debt. 

Because there are a lot of phishing calls, when they called me to notify me of delinquency, I would immediately hangup because I thought it was a scam because in my head, I was auto enrolled in my mortgage payments and no bank would call me. I figured they just wanted my personal information because I had never heard of this bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my private property to a XXXX party intervenor without my consent to do so. Then the XXXX party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but XXXX XXXX is out for blood. 
XXXX XXXX never sent me the original contract I asked for. 
XXXX XXXX also never balanced there books with me. I believe they have evaded the tax when it comes to my XXXX XXXX.