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

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681(e)B . I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME.

Account name  XXXX XXXX
Account number XXXX
Account type   Note Loan
Responsibility  Individual
Date openeXXXX XXXX
Status   Closed. XXXX written off.
Status updated XXXX XXXX
Product: Mortgage

ISSUE # XXXX : In XX/XX/2022, my loan was sold by XXXXXXXX XXXX XXXX XXXX XXXX / XXXX. The XXXX payment was auto-debited from my bank account by XXXXXXXX XXXX  They took their sweet time transferring that money to evil XXXX XXXX / XXXX. When evil XXXX XXXX / XXXX received that money in XX/XX/2022, they said it was all my fault! They reported me to the credit agencies and charged me an outrageous late fee of {$180.00}. I WANT THAT REMOVED FROM MY CREDIT AND THE MONEY RETURNED! If anyone should pay a late fee, it should be XXXX XXXX for taking their sweet time transferring the money. 

ISSUE # XXXX : In XX/XX/2022, I was hit with another late fee of {$180.00} in spite of making my normal payment! Apparently, evil XXXX XXXX / XXXX screwed up big time. They did an escrow analysis which they admitted was wrong. So, I kept making my usual payment. But their frame of reference was the incorrect escrow analysis. So, they felt my usual payment was short ~ {$200.00}. So they hit me with a bogus late fee of {$180.00} when it was truly their incorrect math, and reported me to the credit agencies! I WANT THAT REMOVED FROM MY CREDIT AND THE MONEY RETURNED! In XX/XX/2022, they did another escrow analysis which I still don't think is correct. How dare they charge me fees for their incorrect calculations while I am continuing to make normal payments? 

PLEASE SHUT THIS COMPANY DOWN, OR LIMIT THEIR LICENSE AND FINE THEM FOR SCAMMING MILLIONS OF POWERLESS CUSTOMERS LIKE ME,
Product: Student loan

My loan was suppose to stay in deferment until I graduated from my current program and then payments were suppose to start six months after graduation. I completed my program XX/XX/2016. on XXXX XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Wells Fargo stating that my XXXX loan is now in default and is due in full immediately. When I called them they told me that there was no way they could reverse anything and they would like me to allow them access to my checking account so that they can charge me {$310.00} a month on automatic withdraws. If I had known that the loan payments were required I could have made arrangements to pay them without the account going into default and now my options are limited. As a new graduate I am still trying to make my way and earn funds necessary to pay off the loans I have.
Product: Credit reporting or other personal consumer reports

Please note that the FDCPA has been violated by mischaracterizing this alleged debt in your attempts to collect. 
You referenced a loan balance in your letter derelict letter sent to me previously ( I suppose as your attempt to validate debt? ) when in fact the laws governing the alleged contract clearly state this as a credit sale. No loan has taken place between anyone involved in the alleged agreement. The alleged debtor is not a borrower nor have they been loaned any goods or advanced any money by the alleged creditor. Your reporting is not only deceptively misleading it is also substantially absent requisite conditional verifiability, validity ( as related to document evidence in support of physical proof of truth, correctness, and completeness of claim ), and certifiability
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to rectify this matter, I am dismayed to find myself addressing it for the fourth time.

Despite my efforts and the assurances I have received, the fraudulent items persist, causing me undue stress and financial hardship.

The continued failure to address this issue reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization.

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted this collection company and disputed this charge many times. The collection agency has no right to place this on my credit report due to the Insurance paying this bill directly to the original creditor. I want the item removed immediately.
Product: Credit card or prepaid card

USAA REFUSES TO RESOLVE TRANSACTIONS OF 
XXXX XXXX - XXXX XXXX   FOR TWO YEARS NOW see Attatched USAA statement XXXX XXXX transactions card end XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TOTAL XXXX DUPLICATE TRANSACTIONS XXXX XXXX XXXX  card end XXXX   TOTAL XXXX 2XS ????
Product: Debt collection

I checked my credit report and found an account in collections that is not mine. The original lender for the account is XXXX XXXX XXXX XXXX opened 1 Years, 4 Months ago. The collections company is PARAMOUNT RECOVERY. I lived in Arizona years ago but have not been in the state since XX/XX/2016there is no way this account is mine. It is fraud and terribly hurting my credit file.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I made a {$100.00} payment to my XXXX XXXX, brining my balance down to {$1100.00}, however, they continued reporting the previous balance of {$1200.00} through the entire month after XXXX, despite the close date being XX/XX/XXXX and the payment being posted to my account. I filed a dispute with Transunion and they corrected the balance to {$1100.00}. On XX/XX/year>, I made a payment f {$150.00}, followed by an additional payment of {$300.00} on XX/XX/year>, bringing my statement balance down to {$760.00} which displays on my XXXX statement. They reported the balance of {$760.00} to Transunion on XX/XX/year>, however, on XX/XX/year>, they re-reported the balance to Transunion, increasing it to {$1100.00}. 
Their actions have caused me harm. The continued yo-yo reporting , week-by-weeXXXX, falsifying balances and payment history has made it impossible for me to secure a home loan and placing me in a position of being homeless by the end of the year. 
Furthering frustrations- XXXX XXXX system doesn't allow you to set-up autopay. Their system has been " down '' for more than 2 years. I have called their customer service line for assistance several times with no action being taken. This is my only bill NOT on auto pay. They do not send out payment reminders or invoices. I have multiple commenity cards and this is the only card that can not accept auto pay.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and the company conducted them without my knowledge. Please remove them.
Product: Debt collection

I recently started to look into my credit back in XXXX, and saw a lot of inaccurate information being reported to all three credit bureaus for two separate accounts, I requested for items to be deleted due to the FCRA laws, the two accounts came back verified, but without any proof? At this point with all these inaccuracies I just want the accounts removed from my credit I am willing to to settle both these accounts for them to be deleted off my reports since they are negatively effecting me more than they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was paid by debt consolidation company XXXX. XXXX XXXX reported a XXXX balance to XXXX in XX/XX/2022. This company started sending a bill to an old address and I never received a balance on the account until it showed XXXX days past due on my credit which then alerted me to an issue.
Product: Mortgage

We have attempted to cancel our PMI several times and have followed all the requirements that Wells Fargo has instructed us. Our LTV Ratio was 79 % and XX/XX/2017 we requested that our PMI be removed because we had got below the 80 % mark and Wells Fargo required that we pay {$200.00} for a Broker 's Price Opinion ( BPO ).

We complied and Wells Fargo sent XXXX XXXX of XXXX XXXX XXXX in XXXX Texas. XXXX devalued our property just below the required minimum so that we would have to continue to pay PMI to Wells Fargo. Base on our appraisals and another BPO performed by another relater in XXXX, we believe that the agent acted in the benefit of Wells Fargo and that we have paid in more than required to cancel the PMI. We have also disputed the case using the guidelines at Wells Fargo providing evidence that out home is worth {$210000.00} and they denied the request. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I suppose allow me to just start out by saying thankyou for clearing up the situation. These past 2 months have been extremely stressful trying to figure what was really going on, Between going back forth between you guys and the credit bureaus ( needless to say ) is a fight in itself. Now that I fully understand situation I believe in the spirit of good faith we can come to a mutual agreement. Please understand that during the time period this account was established I had was very happy with the service, I was XXXXyrs old and just got my dream car. I was also very young and made financial mistakes, and I take full responsibility for that. During that time my mom was very sick and I often had to skip work in order to care for her, which inevitably lead to me becoming late on my payments. These past few months ive been cleaning up my credit to help my mom and I have a chance at a better financial future. This account is the only thing left on my credit report holding me back from financial freedom. I Pray twice a day everyday, for XXXX to give me the wisdom I need to get this acct removed from my report. I dont know whomever is going to be reading this response, but im asking you to please help me. I dont mind paying the {$8900.00} owed to you. I know that payment was my responsibility and I am not attempting to justify this breach of user agreement, I was however hoping under certain conditions you might review the circumstances under which this nonpayment occurred and consider removing ( or suppressing ) the negative trade line associated with this account from my three credit reports. im currently in the process of consolidating my debt owed to you so that I can PAY IT IN FULL. However I require your assistance in doing this. If you could just not report my acct to the bureaus for just 1 month, 2 at the most ; but really 1 should be enough. I would be able to gather the funds needed to payoff the debt IN FULL. I am simply asking TOYOTA MOTOR CREDIT for a courtesy gesture of goodwill in having the credit bureaus remove ( or suppress ) this account from my report. I do recognize that this request is unique and that it may not be normal policy. But please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that TOYOTA MOTOR CREDIT will do that in my case for this account. Im sure that there is some type of simple agreement you can send me in response to this request ; if need be I will sign it and send it right back to you. Please whomever is reading this, just give me one chance. Just one chance to fix this problem. I believe it serves both of our interests. You want my money, and I want to give it to you so I can fix my credit and help my mom out. Please. 
Your kind consideration in this matter is greatly appreciated. 
Best Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : Incorrect Names : XXXX XXXXXXXX XXXX. 

Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Current Employer : Ohio XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ), it is emphasized that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy rights. XXXX, Equifax, and XXXX fall under this category as consumer reporting agency, and I, as the Consumer, have the right to ensure that my private information remains protected, as supported by 15 USC 6801. This statute affirms Congress ' stance that financial institutions must actively safeguard customer privacy and confidentiality. Entities furnishing information to credit agencies, defined as financial institutions, are subject to this obligation. 

Per 15 USC 1681 section 604, consumer reporting agencies may only furnish consumer reports upon the consumer 's written instructions. XXXX, Equifax, XXXX, and the financial institution furnishing information do not possess my consent to share this data, either written or otherwise. By invoking 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing consumers an explanation of their nondisclosure options. This provision was not communicated to me by the financial institution. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information. XXXX, Equifax, and XXXX are not adhering to these regulations by reporting adverse information without consent and potentially inaccurate data. 

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of consumer reporting laws. XXXX, Equifax, and XXXX are failing to uphold these reasonable procedures. 

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services.
Product: Mortgage

For the last four years my mortgage company has refused to send me monthly statements which had put me almost in foreclosure they have raised my mortgage every month with no statement of explanation or any information they have never sent me out any tax forms or anything I have never been able to access any of this information on their website either. I have called for the last three years asking for a monthly statement and all I get is yelled at told I am ignorant because they dont have to send it to me Ive been verbally abused and assaulted over the phone by this company with denial still to this day of my monthly statements the only monthly statement Ive ever received from this company was my XX/XX/2017 statement. I have asked numerous times why am I not receiving my monthly statement they keep telling me its the post office but yet all my other bills have had no troubles coming through I have tried to talk to this company Ive emailed this company for answers and Ive gotten nothing they keep trying to say that this went up this went up this went up but yet when I called the auditor and my insurance company they have no idea what Im talking about because nothing has changed I want this mortgage company to either prove to me all this nonstop racing my mortgage every year and then when I bought the house I did not know but there was delinquent taxes that I was forced to pay on this home instead of the seller paying it that was automatically thrown into my account to the point of where I was forced to pay or lose my home. I have jump through hoops to get this loan and to have a home this company had to invade every atmosphere of my life from if I was married single divorced to XXXXXXXX XXXX XXXX  XXXX XXXX  nothing was private everything they had to know including my medical background all for one statement and four years I bought this house XX/XX/2017 and Ive only received one statement out of them for years Ive never received any escrow paperwork or any other information and they have almost made me lose my house a number of times because of their refusal to send me monthly statements the refusal to allow me any access to pay shortages in escrow or anything because I knew nothing about it. This mortgage company is lakeview loan servicing LCC also known as XXXX. They have not complied with the federal or the state laws of requiring mortgage statements to be sent out. I have received two emails from this company in the last two years about my mortgage withdrawals
Product: Mortgage

I was a Tenant in a home Serviced by Ocwen. The Homeowner had Health Challenges and Ocwen refused Modification. His family had to move his possessions by XX/XX/2019. The Property Preservation Team told me " Move your belongings and Ocwen would contact you ''. I put most of my personal possessions in Storage. I changed the locks and moved back in because Ocwen did not contact me. Ocwen had Utilities Turned off.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following hard inquiries on my Transunion and XXXX credit report. Everything listed below are unknown and not authorized by me. 

Transunion : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX BANK : 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 : XX/XX/XXXX XXXX XXXX : XX/XX/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: Mortgage

This is related to complaint number : XXXX XXXX XXXX has completed or I believe to have completed/ fulfilled their obligations by locating and finding the missing funds. LoanCare has not. LoanCare received the check on XX/XX/XXXX confirmed by XXXXXXXX XXXX as they provided the XXXX tracking information and delivery confirmation. That check was received by Loancare on XX/XX/XXXX. As of today XX/XX/XXXX over a month later the funds have not been credited to my account. Has Loancare just decided to keep my {$3000.00}? What takes a month to process a deposit?
Product: Bank account or service

They would not open bank account because of report form XXXX XXXX bank.meaning.c Chase XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Regarding previous CFPB complaint # XXXX. Capital One states in it's XX/XX/2021 letter that I have been credited for the entire transaction however the math does not indicate that as true. Initial merchant charge : XXXX. Merchant credit : XXXX. Capital One provisional credit : XXXX. Capital One debit in error : XXXX. Capital One credit : XXXX. XXXX still due cardholder : XXXX Capital One still owes me the {$230.00}.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus on multiple occasions most recently XX/XX/year> in regard to inquires, addresses and accounts that don't belong to me. The requests are being ignored and not being responded to although they have no proof of this/ these debts or inaccuracies being mine. I am requesting that the inquiries be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following addresses are NOT mine nor have I ever lived at nor had any affiliations. I've lived on XXXX XXXX XXXX XXXX 6 years : XXXX XXXX XXXX XXXX tx XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX tx XXXX. PLEASE REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Also Known As : XXXX XXXX, Also Known As : XXXX XXXX, Former : XXXX XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.