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

I submitted a complaint on XXXX XXXX on SYNCHRONY BANK/XXXX  XXXX XXXX XXXX Results came back as verified. I strongly disagree with results as account is factually inaccurate accounts status is closed with a balance of {$2200.00} payment status of charge off with date last active reporting as XX/XX/XXXX by XXXX XXXX while XXXX is reporting to XX/XX/XXXX and XXXX reports XX/XX/XXXX. Payment history reports last payment being done XX/XX/XXXX that is impossible and not acceptable as date of last payment is unknown. How can creditor be reporting account with missing data?! I am showing proof that account is reporting factually inaccurate. Synchrony Bank provided a letter stating that SYNCHRONY BANK did not receive payment after XX/XX/XXXX. If you look at payment history on credit report, you will see that payments are still being reported! So, how the XXXX is creditor stating that they havent received any payment after XX/XX/XXXX when payment history reports different? Creditor is not providing any documentation showing information is accurate. Account has been disputed multiple times and it has not been reported on credit report that account has been disputed by consumer, nor that investigation has started yet. Updates have been done without notifying me.The Letter that was attached to CFPB Complain does not make sense with what is reported on credit report.
Product: Mortgage

I submitted a complaint # XXXX regarding an error on my title. I recently applied for a home equity loan and during a title search found an error from a previous lender. I refinanced a first mortgage and home equity line of credit with XXXX in XX/XX/XXXX. Both the first mortgage and home equity ( +closing costs ) were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, XXXX submitted a lien for the mortgage and another lien for the additional money extended to me to satisfy the old HELOC and closing costs. 

There must have been some confusion, my complaint did not refer to my current HELOC that now belongs to XXXX. This loan was recorded correctly and is current. My complaint is with the new mortgage dated XX/XX/XXXX described in the Consolidation, Extension and Modification Agreement. XXXX not only recorded the new HELOC, they recorded the refinanced mortgage and {$11000.00}, the portion of the new mortgage as a separate lien. I am disputing the recording of {$11000.00} lien, it is not valid. It was consolidated into a new mortgage {$120000.00}. This loan now belongs to Ditech and they have not been helpful in aiding me to remove the error. I am looking for a letter that states that the {$11000.00} was recorded in error to submit to the XXXX County Clerk 's office to have the lien removed. If you refer to the response from the previous complaint I submitted, this same conclusion was made. 

I am submitting the Clerk 's recording page dated XX/XX/XXXX to prove this lien exists.
Product: Mortgage

Hi, I have contacted SPS servicing about my mortgage due to COVID displacement. They approved a forbearance. As time progressed and things still hadnt improved with COVID I contacted them to request they place the arrears at the end of my loan term. 
I was told they would get back to me because the large number of people in the identical circumstances. 
In the interim they asked that I submit my monthly bank statement and let them know if anything changed. 
To date XXXX havent heard back with an affirmative to help me. 
As soon as the moratorium was set to end-I received a statement from SPS with a demand for fill payment, a deed in lieu of foreclosure or telling me they will consider me for a refinance. 
I have contacted SPS multiple times and still havent been helped. 
I need help thats tangible and realistic as Ive been in this situation for almost a year. 
I can not make a balloon payment for the full amt without income ; I havent received my tax returns because State and a federal have essentially been closed, understaffed or incompetent in follow through. 
I need SPS to please place the arrears in the back of the loan term so I can realistically catch up with my entire life. 
Thank you for your help.
Product: Credit reporting

I sent Transunion a letter on XXXX/XXXX/17 to investigate XXXX # XXXX, a collection agency because I know for a fact that this account should not be on my reports for many reasons, plus, I never done any business with that company. I received a result letter from Transunion stating that the account was verifed. On XXXX/XXXX/2017, I responded to their letter asking them for method of verification since I personally contacted that company reporting that account on my report on XXXX/XXXX/17 and received a response from them on XXXX/XXXX/17 stating that they do not own this alleged debt therefore was unable to validate it. On XXXX/XXXX/2017, I received a result letter from Transunion stating that the account is verified as accurate. I specifically requested on XXXX/XXXX/17 for them to provide me their method of verification, and they bluntly failed to do so, therefore they need to remove this account off my credit report. The credit agency are to report only accurate information on my credit reports, and Transunion keeps failing to do so per law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$210.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Resurgent Capital Services L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Follow-Up Request for Debt Validation Account Number : XXXX CFPB Case # : XXXX Reference Number : XXXX Dear Resurgent Capital Services, I am writing to follow up on my original request dated XX/XX/year>, regarding validation of the debt referenced above. 
After reviewing your response dated XX/XX/year>, I have identified several deficiencies. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request full compliance in providing the required documentation to validate the debt. Specifically, I requested : 1. Verification of the Debt Amount : While you provided a summary balance of {$870.00}, you did not provide any evidence of a signed contract or binding agreement that establishes the legitimacy of this debt. Please supply proper documentation proving the validity of the amount owed.

2. Documentation of All Assignments : You failed to provide evidence showing the transfer of this debt from XXXX XXXX  to LVNV Funding LLC. Kindly provide copies of the assignment or bill of sale proving the legal transfer. 
3. Proof of Securitization : I requested evidence that the original creditor securitized the debt. This was not addressed in your response. Please provide the necessary documentation if applicable. 
4. Cease and Desist Collection Efforts : Despite my clear request, your letter does not acknowledge that collection efforts should cease until this debt is validated. I expect all collection efforts to stop immediately until this matter is resolved. 
5. Permissible Purpose : You did not provide a reason for accessing my credit information. Please state the permissible purpose under the Fair Credit Reporting Act ( FCRA ) for doing so without sufficient validation of the debt. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to cease reporting this debt to any credit reporting agencies until you have provided full validation. If this debt has already been reported, I request that you update my file to reflect that it is disputed. 
Additionally, please acknowledge in writing that you will cease all collection efforts until the requested validation is provided, as required by law. 
Failure to comply with my request within 30 days will result in immediate escalation, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for violations of the FDCPA and FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have repeated advised these people to stop calling me. They continue to keep me on the robo calls and continue to call me every day almost twice a day.
Product: Mortgage

About 15 months ago, we obtained a loan for a primary residence purchase for the home next door. My cousin moved here to be next to me. Our lender- despite the appraisal coming in at $ XXXX and the loan amount being $ XXXX charged PMI. Thats 70 % of value, well below the 80 % for PMI. It seems we should never have been charged PMI. I have asked for weeks to resolve this and receive a refund ( see email correspondence below ) but so far Im not getting any positive responses and only encounter delays and deferrals to other contacts within HPC. First, was it legal to charge PMI given the circumstances? Second, we ask the PMI immediately cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I seen accounts on my credit profile and it is a violation of my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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.days I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am not sure who this company is I never signed any loan and pay agreements with this company. I never even received anything in the mail prior to this account being put on my credit report and a debt or a charge off. DUVERA has violated my rights by not sending proper documentation via mail not giving me an opportunity to dispute debt. I never received written notification of debt via mail. And this is a Fair Credit Report violation. 1006.34 Notice for validation of debts. This company never mailed or sent me anything. I will be contacting an attorney in regards ti this company. Nothing only did this company damage my credit rating this company did not follow the guidelines of the Fair Credit reporting Act. XXXX is at fault as well for allowing this company to report false inaccurate information. I will be filing a complaint with the state of California and the state of Georgia. You will be hearing from my attorney. I am going to sue you for several Fait Credit reporting violations. Each violation is worth {$1500.00} and you committed at least three ( 3 )
Product: Vehicle loan or lease

XX/XX/20 I called Volkswagen Credit to buy my car out of the lease since it is terming. After waiting 32 minutes, the representative said that I have to go through the XXXX XXXX XXXX to do that. I called numerous times to talk to the finance department without success. 
XX/XX/20 I called the dealership again and made a complaint. They transferred me to the sales manager who told me that he would have to run my credit to buy it out of the lease. I did that, but Volkswagen Credit unfairly offered a loan at 11.5 % apr. I reached out to the sales manager about this, but he did not respond. I ended up working a deal with my own bank. 
XX/XX/20 I tried to get the Lease Buyout Package spending 4 hours on the phone without an answer. I tried contacting the corporate office, but they just transferred me to hold an additional 30 minutes. I still can not get what I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

They claim I was sent the loan offer online which is a lie, I wouldnt apply for a loan if I cant pay it back. My information has been compromised over 4 years. It doesnt matter if they have my correct address. I would like to see the paperwork where I signed this loan or applied. With my signature. They did no investigation. 
I DO NOT WANT A EMAIL FROM THEM. I WANT THEM TO MAIL A COPY OF THESE 2 CREDIT CHECKS AND I WANT THEM TO STOP EMAILING ME
Product: Debt collection

Credit Center of XXXX XXXX XXXX, XXXX CT XXXX are claiming that I owe XXXX to an company named XXXX XXXX. I have requested that the verify the amount of the debt and the name of the creditor. They have not provided me with any information and have continued to send notices to my address demanding payment. The third letter is dated XXXX XXXX, 2016 and yet have never provided any verification that the debt is truly owed by me. 
The first letter from them is dated XXXX XXXX, 2016 and my response letter was dated XXXX, 2016. Subsequent to this I have received two additional notices demanding payment.
Product: Debt collection

Capital One has continued to call after multiple requests asking for them to Cease and Desist. Every time they call, Im told that there is no note or no record of anyone entering a cease and desist. Im still getting calls almost two months after the initial request was completed. Each person says theyre going to file it, but no one does. Ive told them of my hardships and they continue to send me notices saying they will help with payment options, but when I try to, I dont ever qualify for anything that will help. What they are trying to do is make sure that I dont eat or lose my electricity or anything they can do to get their money back. They lie to consumers about abilities to reduce APR and other customers get APR reductions when asked, but anytime I call, they say that it is not something that Capital One does. They have also violated CFPB regulations by refusing to escalate complaints on these things to their Level 3 escalation team or their Executive Office. Im told that I cant speak with those levels and they dont take complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files.

I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.
Product: Credit reporting or other personal consumer reports

Just to give some base information : Our home Mortgage is through XXXX XXXX which is a brand name for XXXX XXXX XXXX. XXXX is who are bills are addressed from which is subserviced by XXXX. For several months we have had issues with the payments being applied incorrectly to the account. The issue continues to happen even as recently as XX/XX/year>. Our credit report pulled today shows issues with XXXX and XXXX payment. I called and spoke with XXXX at XXXX XXXX sharing our confusion and concern. I explained we have set up auto pay and our bank is showing the money was sent. She also confirmed she showed our payments current and the XXXX was received on XX/XX/year>. I will also attach a statement showing XXXX payment on XX/XX/year> and the movement of funds at XXXX. It also shows the removal of a late fee due to the payment being applied to the account incorrectly.
Product: Student loan

I am being harassed by XXXX ( XXXX XXXX XXXX XXXX XXXX ). I have told them that I am dealing with the forbearance request and to stop calling me. They call me on my cell phone 3-4 times per day after I told them to stop. Sometimes when I answer the call they just hang up on me. I am very frustrated with this distraction in my life and wish they would stop harassing me. Please help.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and became aware that there are 9 fraudulent hard inquiries on my credit report. I did not apply for anything. There is no way possible I should have any hard inquires when the law states that they should only remain on a persons report for only 2 years, this inaccurate information is hindering my credit report. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a hard inquiry on my XXXX XXXX  account that i did not athourize wich is fraud from a company called syncb or sync bank that i would like removed from my XXXX XXXX score so there info is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX zip code XXXX phome number XXXX thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer and natural woman, was denied housing and credit by several companies due to the inaccurate and unverified information Credit Collection Services are furnishing onto my consumer report. Credit Collection Services is reporting onto my consumer report, the status of account XXXX is open via XXXX XXXX This information is inaccurate. The account status is closed. The balance for this account is {$0.00}. 
The account was paid and settled. The banking system is dependent upon my consumer report being fair, and accurate. After looking at my consumer report, I realized that my report is unfair to me because I was never notified when this inaccurate information was furnished. 
This mishap has ruined my reputation, and adversely affected my credit worthiness. XXXX, XXXX and XXXX assumed this role and assumed this information was valid. These credit reporting agencies failed in the initial investigation of this information. Which is a violation of my consumer rights. 
This account needs to be investigated and deleted from my consumer reports. Thank you for your time.