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

XXXX   XXXX   is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that   XXXX   XXXX   is reporting on my credit report. If   XXXX   XXXX   can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to   XXXX   XXXX   in regards to this issue but have yet to receive a response.
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  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , PA  XXXX  This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
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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 account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, 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 this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
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I demand the following account be properly verified or removed immediately.
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NameofAccount : Date Reported : ProvidePhysicalProofofVerification :   XXXX   XXXX    {$46000.00}   XXXX   XXXX  , 2011 Unverified Account
Product: Bank account or service

I accidentally made an online transfer in the amount of {$500.00} via Bank of America online to an account which I thought it 's my wife 's on XX/XX/XXXX. I found out the problem next morning and called BOA right away. But BOA claims they were unsuccessful at contacting the recipient and refused to take further action. 

My wife and I have a joint account with BOA, but for some reason, my wife can not access the joint account online, hence I can not do a self transfer to the joint account. My wife reported this online account access issue to BOA several times in the past but that never got resolved. Because of that, I had to transfer fund to my wife 's own account every time I need to send money to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was leasing car XXXX XXXX leaf model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XXXX XXXX. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send XXXX of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per XXXX agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as XXXX payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
Product: Credit reporting or other personal consumer reports

Experian has been updating and refusing to remove false information from my credit report which has resulted in major financial hardship for me and my family for years. Their investigations have proved ineffective.
Product: Mortgage

Mortgage was obtained in XXXX of XXXX. Documents were signed to pay property taxes annually and escrow was calculated to pay property taxes and insurance annually.The property tax bill was received by Mr Cooper and was not paid in full for the annual amount. 

I contacted Mr. Cooper Mortgage and was told they only pay semiannually and that XXXX XXXX does not accept annual payments. This is not correct and XXXX XXXX, MD will verify this is incorrect as they do accept payments annually. 

I sent a letter to Mr. Cooper, dated XX/XX/XXXX to terminate my escrow account since they did not pay the correct amount according to the loan documents. 

On XX/XX/XXXX, I received a letter stating escrow is cancelled and I should receive my escrow funds within XXXX days. I am still waiting on my funds and this is causing a hardship because I had to pay the remaining balance on my taxes due at the end of XXXX because Mr Cooper did not follow the signed loan documents. 

This has now been more than XXXX weeks waiting for the return of funds! I want my funds returned to me that are being held in escrow.
Product: Payday loan, title loan, personal loan, or advance loan

I asked several employees from this company if I pay off my principal, will I still be charged interest on the balance. I was told no by every employee I encountered. In fact, they tried to make me feel XXXX for asking such a question. My purpose for paying just the principle at the time was to stop the high interest I was accumulating. Once I paid the principal, I would then just focus on the balance without having to worry about interest. Once the principal was paid which was XXXX dollars, about a week or XXXX later, I received a letter in the mail stating my balance plus INTEREST! The interest was approximately the same amount as it was before I paid off my principal.
Product: Debt collection

On XX/XX/XXXX my debt was paid to XXXX XXXX XXXX. They advised once i paid my collection I would receive a release letter as a pay to delete and that it was my responsibility to call XXXX of the Credit Beureus and advise that I paid my Commenity XXXX  account to XXXX XXXX. Ive done so both by phone call XX/XX/XXXX and by several disputes through XXXX and XXXX XXXX. My payment /rating still appears as Charged off and or changes to purchased by another lender I understand the standard XXXX year rule but Again I was told to pay these guys and it has not been deleted or even updated on my Credit Report. I have submitted all documents to XXXX  and there are XXXX changes to my pay status on this collection account.
Product: Student loan

To Whom It May Concern, I am writing to express my concern and seek assistance regarding a discrepancy with my loan repayment plan. On XX/XX/2024, I applied for both loan reconsolidation and the SAVE income-driven repayment plan. My loan was successfully reconsolidated with Aidvantage, and under the SAVE plan, my monthly payment was expected to be approximately {$320.00}. 

However, on XX/XX/2024, I received an email notification indicating that I have a payment due on XX/XX/2024, in the amount of {$3200.00}. This amount significantly exceeds the expected monthly payment under the SAVE plan. 

I contacted Aidvantage on XX/XX/2024, via phone and email to inquire why my account had not been placed on administrative forbearance, as I understand is standard for other accounts applying for or enrolled in the

SAVE plan. The representative I spoke with was unable to provide an explanation and confirmed that the due date for the payment would remain unchanged. I am requesting that my account be placed on SAVE administrative forbearance since I applied for the SAVE income-driven repayment plan ( which is currently on hold ). The current payment amount is unaffordable for me, and I have not received any decision or alternative regarding my application for the income-driven repayment plan. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. Attached are the documents of : 1 ) SAVE application submitted in student aid.gov on XX/XX/XXXX 2 ) Confirmation of loan reconsolidation 3 ) Billing statement of {$3200.00}
Product: Mortgage

I have received a past due notice on my mortgage from, Ocwen mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
My Bank, XXXX XXXX, sends my payment automatically at the beginning of each month between the XXXX and the XXXX. 
My XXXX XXXX payment was sent on XX/XX/XXXX. Ocwen has not cashed it yet. I called and talked with XXXX, customer service number XXXX. He insinuated my Bank was at fault because they are the senders. 
I had the same problem XX/XX/XXXX with Ocwen and I wrote a complaint you people because of a similar complaint in XXXX of XXXX with Ocwen. The difference in XX/XX/XXXX the mortgage payment was sent on XX/XX/XXXX and cashed on XX/XX/XXXX by Ocwen causing a late fee. XXXX and XXXX were resolved pursuant to a complaint made to your agency in XX/XX/XXXX, except for an erroneous late fee they keep sticking on my bill, which I was told would be taken care of, but never was. I do n't know what happens in XX/XX/XXXX, at Ocwen. The other 11 months seem to work sort of, the only problem that continues is an arbitrary late fee that appears from nowhere. This situation is getting extremely aggravating. I have through my bank very detailed documentation if needed. I hope this can be taken care of permanently at this level. I thank you for your past help and your patience for doing this line of work.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was in XXXX XXXX XXXX on vacation when my ex boyfriend XXXX. I was admitted into the hospital there and treated but I 'm on medicaid out of XXXX this should of been all covered. I contacted this collection agency and informed them of this.I 've been medically covered every since XXXX of 2005. I 'm at a loss as to what they want me to do. I have verification from social security that I 've been covered this whole time.please help me. I 'm trying my hardest to bring my credit score up and this is the only thing bad on my credit
Product: Debt collection

I checked my credit report on XX/XX/year> and found out there was a collection account placed on my credit report from a company named Vance and Huffman LLC that was reported on XX/XX/year> at least that is what it said on my report. According to the FDCPA it's illegal for a debt collector to report a debt to your credit report without first sending you a debt validation letter. 

I did not receive no debt validation letter from this company at all and do not recognize this debt. 

When you report to credit bureaus that is considered an act of trying to collect. 

If a debt collector fails to validate the debt but continues to go after you for payment, you can sue that debt collector in federal or state court. You might be able to get {$1000.00} per lawsuit plus actual damages, attorneys ' fees, and court costs. ( 15 U.S.C.

The XXXX  Consumer Collection Practices Act ( FCCPA ) supplements the federal Fair Debt Collection Practices Act ( FDCPA ) to protect consumers from abusive debt collection practices. 

This has cause my credit report damage I ask that they pay me for violating my rights and to removed this account immediately as my resolution. 

The company is located at ( that is trying to collect ) VANCE AND HUFFMAN LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided.

CAPITAL ONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require thi accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX # XXXX
Product: Credit card or prepaid card

I, the consumer, natural person and original creditor have come to the understan that Equifax, XXXX and XXXX have placed inquiries on my consumer report without my knowledge and authorization. This also tells me that transactions took place without my knowledge. Seeing as though I have no received any benefit regarding this violation, they should not have been placed on my account. Not only have my rights to privacy been breached but I also did not give these companies permission to furnish this information. This is a violation of the Credit Reporting Act Section 1681 b ( c ). Also 15 USC 1681 b, 15 USC 1681b ( c ) ( 3 ) and 15 USC 6802. I am well aware of how consumer reports work. It troubles me to know that you relied on my ignorance to think that I would not recognize these violations being committed to not only me, but countless other consumers!! As a consumer, natural person and original creditor protected by the FDCPA Title 15 Chapter 41, Pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding validation of this information showing documentation with any of these accounts bearing my signature authorizing an inquiry. I also demand that these inquiries be blocked and removed from my consumer report immediately! I also demand Equifax, XXXX and XXXX to provide documentation of me providing them permission to furnish my information. I am attached a copy of the inquiries I am requesting to be removed. 

Best regards XXXX : XXXX All XXXX inalienable rights reserved
Product: Debt collection

I received a phone call from XXXX management informing me that they were a collections agency and I owed a loan from easy money in XXXX. I told them I never did a loan and the lady dismissed what I said and did not listen to what I was saying. They had all my information and an email I made in XXXX I never used when in another state. She then hung up on me because I kept telling her that I didn't get a loan. She said I must have forgotten. When asked for the signed documents she would not give them to me. I called easy money and they didn't have a complete profile of me on file.
Product: Mortgage

Hello! My name is XXXX XXXX and I was working with XXXX XXXX XXXX with Amercian Fincial Network out of XXXX. We started working on the mortgage loan process at the end of XXXX! I have a car that I am paying a note on and I had to put that info on the application! I have a text message where I told him about my car note on XXXX XXXX. We got to the final part of the underwriting process ( XXXX XXXX-underwriter in California with the same company ) to tell me that my car note popped up! XXXX told me this on XXXX XXXX! The car company been on my credit since XXXX! Of course, since he didn't factor this in, h it my debt to income go higher! I understand that, but he should of stopped it at the beginning! When I reported this to his supervisor, XXXX, he statement was, I will tell XXXX to stop the deal because we do not need the headache, we close billion dollar deals ''! This was very unprofessional! Due to this horrible process, I lost almost {$3000.00}, displaced from my home! I am a single parent with XXXX kids and now have to figure this out since he made a very huge mistake! I do have the text message when I told him about the car note
Product: Credit reporting or other personal consumer reports

I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAWI HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX, XXXX, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against TransUnion, XXXX, and XXXX for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. Said errors are : XXXX. TransUnion XXXX report reports this account as open.This is a closed account and in collections. XXXX. XXXX report also shows this account as open. This account is closed and in collections. XXXX. Both XXXX and XXXX reports are missing date account opened. XXXX. Both XXXX and XXXX reports are missing date last verified. XXXX. TransUnion reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both TransUnion and XXXX are missing date of last payment. XXXX. TransUnion report under dispute status shows account not disputed. Contrary on same report under XXXX 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. TransUnion report under Creditor 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which TransUnion failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. XXXX. Espirian report says under Dispute status that account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. Espirian reportsays account disputed under Creditor 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. XXXX failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint to verify al errors and discrepancies.once all XXXX reports are side by side there is no way all XXXX bureaus verified different information from same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real and natural person who is submitting this complaint. On XXXX XXXX, XXXX, I wrote a letter to the credit bureaus asking them to verify every piece of information reported on my credit report. Transunion sent me a letter in the mail on XXXX XXXX, XXXX, stating all information has been verified and updated on XXXX XXXX XXXX account # XXXX. According to my credit report, which I looked at on XX/XX/2022 there are still existing inaccuracies that are showing the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C. 1681 section 602 A. States I have rights to my privacy.

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

I have had a TJMaxx Mastercard via Synchrony bank for several years. Without warning, they decreased my credit limit by approximately {$500.00}, citing reasons that are untrue. While they mentioned " Too many revolving accounts with high balance compared to credit limit, '' they are skipping over the fact that I have never had even XXXX late payment with any of my accounts. They also cited too many inquiries which I do not have. Them lowering my credit limit actually places my credit in a very bad situation, and possibly places my account with them over the limit. I am requesting that increase my limit back to what it was as assumed credit worthiness is not the same as a person 's actual history of paying their bills without issue.
Product: Mortgage

I was on payment Deferral agreement from XX/XX/XXXX until XX/XX/XXXX for 6 months. After that I was making payment every month with out missing on time. I Agreed with the company to add the amount of XXXX unpaid COVID forbearance in my principal. Received a statement dated XX/XX/XXXX that I own them past due payments of XXXX and results in fees and foreclosure. I never missed any payment. Blocked me to refinance my current loans by putting wrong information in my account. My current interest rate is 5.1.