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

In accordance with the fair credit reporting act Kikoff Lending LLC XXXX XXXX has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I ask that you investigate this information and verify this information and that you please provide me your method of verification, also the description of that procedure, and all the documentation that you retrieved to run your investigation that proves that this information is being reported accurately per 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;. Please provide this information in a timely matter thank you. If you are unable to provide this information as proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer laws.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about an ongoing issue I have been facing with Equifax, specifically their refusal over the past six months to remove an unauthorized inquiry from my credit report. Despite numerous attempts via phone to rectify this situation, Equifax has persistently maintained their stance, displaying a dismissive attitude and failing to comply with my request to remove this inquiry. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I want to emphasize that I did not authorize these inquiries and firmly believe they were made in error or without my knowledge or consent. On XX/XX/XXXX, I sent Equifax a detailed letter requesting the friendly removal of this inquiry. I enclosed with that letter a package sent via USPS, which included a copy of my identity theft report, a copy of my social security card, and a copy of my identification. 

Furthermore, I wish to assert my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I am not obligated to provide an FTC report or a police report to dispute inaccuracies on my credit report. The law mandates that credit reporting agencies conduct a reasonable investigation upon receiving a dispute from a consumer, without imposing undue burdens on the consumer. Requiring additional reports from me, such as an FTC report or a police report, as a prerequisite for investigating my dispute, is not only unnecessary but also places an undue burden on me as a consumer. 

I have reported the identity theft to the Federal Trade Commission ( FTC ), and the reference number for my report is XXXX. 

Should Equifax persist in refusing to remove this incorrect information from my report, I will be compelled to hire legal representation and pursue legal action against Equifax to ensure my rights under the FCRA are upheld. 

I trust that the Consumer Financial Protection Bureau will ensure Equifax strictly adheres to the guidelines set forth in the FCRA and conducts a thorough investigation into the unauthorized inquiries without requiring any additional documentation from my end. Failure to comply with these legal obligations may necessitate further action on my part to ensure my rights under the FCRA are fully protected and respected. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this issue.
Product: Credit reporting or other personal consumer reports

I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from TransUnion, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.
Product: Debt collection

Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it.   They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''.   They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer.   I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option.   I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.
Product: Mortgage

I have monster mortgage servicer and a monster private invester And I am stock They dont want to work with me because the thief invester doesnt care What should I do loose my Home thats not an option It is disgusting thats government has no resources broker who got this garbage loan and the invester chested and I have to loose my Home
Product: Credit reporting or other personal consumer reports

Transunion has not received written instruction to furnish a consumer report on my behalf in doing so Transunion is actively committing identity theft
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately.

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The
allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and METRO 2 standards. Handle this matter with care and diligence.
Product: Bank account or service

Please inform status of check # XXXX. The funds were sent on XX/XX/2016 through XXXX account to Banco Popular .The payment appears to be completed, and the funds were withdrawn from the Pended account in the amount of {$720.00} on XX/XX/2016. The funds were supposed to be applied to the checking account # xxx-xx XXXX with Banco Popular. The check was cashed by Banco Popular and has n't been deposited yet. 

Attached is a copy of check # XXXX on both sides cashed by Banco Popular. 

Sra. XXXX
Product: Student loan

Salle May has been calling XXXX 8 times a day trying to collect payment on my sons student loan. Even after making a payment they continue to call non stop. I was told by them that the student loan is through a private insurer which happens to be Salle May and is not secured by the federal government.
Product: Checking or savings account

This is a complaint against Truist/Suntrust Bank. 

I opened an account onXX/XX/XXXX it was closed on XX/XX/2020 without explanation. 

The initial letter indicated that I had initiated the closure of my own volition. This was obviously not true. I called immediately that morning and essentially got an unclear answer from a rep named XXXX. First I was told that this was due to me not funding the account, however at this point the account had been only open a week. Then when I confronted the rep with the letter she stated, she could not see it. She then contacted the back office who said my account was closed due to their terms and conditions. When asked for which specific terms none could be cited. I again asked about the letter and how me not asking to close the account could be a case of fraud. The bank refused to even investigate At this point I became suspicious. The account had been opened without issue ( no XXXX XXXX or XXXX  denial as such ) and why would there be I have never bounced a check or been delinquent on anything in my entire life. I had one letter stating I had initiated the closure and another stating I violated terms and conditions of the bank without citing what terms I had violated. This was exceptionally strange since again the account had been open a week and not funded. 

I called back after receiving the letter, and was transferred to Client Solutions  and spoke to a woman named XXXX. I brought up concerns that this closure could have been discriminatory in a nature ( given that there was no activity in the account itself and the conflicting reasons now for closure ), however she could not say with certainty this was not the case. I still have no explanation as to why the account was closed. I told her that I was going to file a CFPB complaint and she encouraged me to do so. 

I do believe Suntrust has a legal obligation to accurately report a reason for the closure. I have 2 reasons for the closure at this time - neither of which make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I sent requests to the credit bureaus questioning the accuracy of the information reported on my credit report. information not the most accurate. Reached out multiple times regarding this matter over the course of XXXX, and the matter still has not been attended to.
Product: Credit card

i opened a dispute with a credit card for the charges on my statement for XXXX/XXXX/2015 from the XXXX hotel which i booked, but never used due to hotel did not have clean sheets. ( the sheets had big XXXX stain on them ). credit card refused to credit me due to they said " its falls under Quality of services ''. the rep from credit card told me hotel is not obligated to provide with clean sheetsi strongly disagree, why i have to pay for hotel that i never used in the first place
Product: Debt collection

The company XXXX XXXX said they sent certified mail and made numerous attempts to collect a debt and thats not true I tried returning their equipment they wont except it and trying to make me pay {$4000.00} for a debt that is {$400.00} they said after the attempts to contact they sent the debt to collections but they never contact by mail at all so they forwarded they account to collections without proper notification and have violated my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry made today on my credit report from XXXX XXXX bank. I was not aware of it nor did I authorize this. I was notified by 2 of my credit monitoring companies.
Product: Credit reporting or other personal consumer reports

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Product: Student loan

XX/XX/XXXX Federal tax offset amount {$1000.00} XX/XX/XXXX Federal tax offset amount {$4800.00} XX/XX/XXXX Federal tax offset amount {$5600.00} XX/XX/XXXX Federal Tax offset amount {$3700.00} XX/XX/XXXX Federal Tax offset amount {$4600.00} XX/XX/XXXX loans were consolidated by XXXX no business was done with XXXX prior to those dates. 
Payments were made during that time low interest rates occurred. Due to hardship loans were written off in XX/XX/XXXX. XXXX claimed they did no more reporting to the 3 Credit Bureaus after XX/XX/XXXX. Information was altered after that date per all 3 Credit Bureaus. What was once a signature loans made with a Bank was changed into XXXX as far back to a from XX/XX/XXXX During the Tax Years from XXXX XXXX- XX/XX/XXXX there has been a federal Tax Offsets. Totaling the amount {$19000.00}. I have contacted the Company Educational Credit Management Corp for any proof or a copy of Judgement that was ordered by a court. I have never received no response. Per XXXX Credit report it states the amount {$25000.00} that Educational Credit Management claims is closed and hasn't been updated since XX/XX/XXXX. Per XXXX   it states Loan ( 1 ) with XXXX is 100 % paid and closed and Loan ( 2 ) with XXXX is 100 % paid and closed. 

Due to recent events of Someone ( s ) attempting to use my personal information to apply for loans ( fraud ). I have received documentation in XX/XX/XXXX from XXXX XXXX and XXXX  that there are no outstanding credit card debt or outstanding loans owed. As well as a falsified Address being used in another State ( XXXX XXXX AR ). But yet Educational Credit Management Corp continues to take my Federal Tax return just as recent as XX/XX/XXXX. When I spoke to a Representive/Supervisor after XX/XX/XXXX she said I will never get my money back and she said I still owed well over {$26000.00} I am also sending a link of complaints filed with the XXXX XXXX XXXX from other consumers. 

XXXX XXXX XXXX Resolutions is I have made request for documentation for any Court Ordered Judgement, dates of proceedings and amounts which I have never received. 

I have requested the amount of {$19000.00} to be repayed to me which I was told I would never get my money back. 

I would also request that the other consumers complaints be investigated as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

SERIOUSLY DELINQUENT STATEMENT ON REPORT BY XXXX XXXX
Product: Mortgage

I originated my XXXX with XXXX XXXX with no restrictions or requirements regarding the use of an XXXX account. I did choose to use XXXX when we closed in XXXX XXXX XXXX but i would not like to manage my home owners insurance and property tax payments my self. 

XXXX XXXX purchased the mortgage and is no permitting me to cancel the escrow because of their policy of VA loans being in escrow for the first 24 months. This is a requirement that was not part of my closing documents and i never agreed to it. 

I have called XXXX XXXX XXXX different times on this issue and been on hold for well over an hour waiting for responses when I have called. The first call the hold was so long I had to hang up, the second, I was on the phone for nearly XXXX hours and was first offered to have the limit changed to 1 year but declined. I have a high yield savings account that I will be using as my own escrow and want to start depositing right away. XXXX minutes later I was told they would send me documents to sign to cancel the escrow. 

2 days later I got a letter in the mail stating that my request was denied, I called back to ask what happened and they just said its not their policy to allow that an did not even check to see if there were notes regarding the last conversation I had. 

They are trying to impose a policy that changes closed contract for mortgage between my self and XXXX united that they purchased and I believe can not be enforced. I have expressed the same to XXXX XXXX in each of my calls and they agreed once but have since reneged. 

The exact wording from my closing documents regarding keeping my escrow account states : " For now, your loan will have an escrow account ( also called an impound or trust account ) to pay the property costs listed below. Without an escrow account, you would pay them directly, possibly in XXXX or XXXX large payments a year. Your lender may be liable for penalties and interest for failing to make a payment.

In the future, Your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account, but if you do, you must pay your property costs directly. If you fail to pay your property taxes, your state or local government may ( 1 ) impose fines and penalties or ( 2 ) place a tax lien on this property. If you fail to pay any of your property costs, your lender may ( 1 ) add the amounts to your loan balance, ( 2 ) add an escrow account to your loan, or ( XXXX ) require you to pay for property insurance that the lender buys on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. '' The page of my closing documents this is from is attached to this complaint. 

My taxes are paid, and I have just paid my home owners insurance in full when switching to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XX/XX/2021 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY