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

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

XXXX XXXXXXXX Open Date XX/XX/2013 XXXX : {$0.00}
Product: Checking or savings account

Im submitting this for the Wells Fargo settlement. I had an account with them during the time period stated but never received anything
Product: Credit reporting or other personal consumer reports

I use XXXX credit monitoring service. I received an alert that Capitol One had made a " hard inquiry '' on my credit report. This is not something I did so I called Capital One. Capitol One refusing to provide any information about why did this. Did someone open a credit card in my name or fraudulently apply for a loan? I would like to know and they will not give me any information because I " don't have an account. '' It's absurd. They are facilitating identity theft and fraud. 

Per my report : Lender : CAPITAL ONE Inquiry date : XX/XX/year> I have no understanding as to why they won't give me information about why this inquiry was made.
Product: Debt collection

My credit report recently had collection attempt for {$1900.00} from XXXX XXXX XXXX, first digits of account are XXXX. They claim on their records to have purchased this from Citibank. I have personally contacted Citibank and they have no records of my social security number being linked to this or any other account. I contacted the collection agency for any documentation what so ever and they have not contacted me back. They have never called me or emailed me before randomly appearing on my credit report this month
Product: Vehicle loan or lease

I ask for a arbitrator they did not give me one in a week like they said they would, they were only introduced to collect XXXX they repossessed by just sending a tow vehicle and thy took it and left called the police station automatically her responce was was it repossessed, well aware of but no not me I want them charged too. you dont take some one 's tool off them like that and treat someone like a child. I want my truck back and i want damages paid for now!
Product: Prepaid card

I have tried to use the prepaid gift card at many locations for much less than the remaining balance and all have been declined by AMEX - online and in-person. I have tried to use at least on 10 occasions with no success.
Product: Debt collection

So I called Albuquerque collections to find out what I owed and what payment plan I could get on to pay the debt off. The women was not understanding what I wanted and I was told it was common sense math and I should. I felt XXXX as I am the one that wanted to do the right thing. Then when I advised her I would not let her get a dime of commission off me. She then told me it did n't matter it was already her account. She also told me that accounts that where not repoting to my credit where. THAT IS ILLEGAL.
Product: Mortgage

This isnt a repeat complaint. The company never answered my original complaint so I called your office and was told to submit a new complaint and make it simpler and just include the part they never answered. I was told by Chase mortgage that if I deferred my payment with the Pandemic deferment that I would not have to pay it back in one lump sum. I was told this several times by Chase employees. I am now being told it is due in one lump sum. XXXX $ due immediately. I even have done a lot of research online and XXXX XXXX web site says you will never have to pay it back in one lump sum. I will attach screen shots. My prior complaint Chase answers and says they asked XXXX  XXXX for a modification and that I was denied because of prior modifications and income which they list my income as XXXX XXXX Either way Im not asking for a modification. Im just asking for what I was originally told several times that my deferred payment be put to the end of my mortgage.
Product: Debt collection

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( ( XXXX XXXX : ) XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has reported 3 accounts inaccurately after you claim to have verified these accounts. The accounts are showing 60 day late payments after the account was marked paid the month prior. An account can not be 60 days late if it was paid as agreed the month before. I have attached screen shots to prove you did not do a proper investigation of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint, is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized inquiries to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented disputes coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. The following are the fraudulent inquiries that I needed removed by this company : EXPERIAN XXXX XXXX, Inquiry Date XX/XX/2018 XXXX XXXX XXXX, Inquiry Date XX/XX/2018 XXXX, Inquiry Date XX/XX/2018 XXXX   XXXX, Inquiry Date XX/XX/2018 XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/2018 XXXX XXXX XXXXXXXX, Inquiry Date XX/XX/2018 I am attaching the dispute letter/documents I sent to this company on the XXXX of XXXX, 2018 in case they need to reference or review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  all of them online collections gravel are account resolution services XXXX XXXX XXXX XXXX filed to the ftc
Product: Debt collection

To whom it may concern a wrongful repossession occurred XXXX XXXX  at my residence i the request of West Lake Financial Services on the morning of XX/XX/XXXX actions was taking place no court order was given prior to the repossession at said residence and a letter was sent out to them to correspondence via registered mail in. Seeking validation of and stating that it was not refusal to pay off the account but notice sent to them seeking information also requesting that no calls may given to me nor third party requesting to speak to me until notice to cure which is another violation I also they have violated my consumer my rights and caused damages to me financially and emotionally towards me my XXXX and XXXX this is unethical practice towards me and XXXX. I purchased this vehicle back in XXXX with down payment {$1500.00} from XXXX I was told it would go towards the note which was false that is another Violation.
Product: Mortgage

I am trying to pay off an outstanding balance on my HELOC with Frost Bank. Every month, the app somehow has " technical issues '' that prevent me from transferring money from my external checking account to my Frost checking account ( which they require me to have ) so I can process the payment. 

First, I should not be required to have a checking account with Frost to make these payments. Second, the bank appears to be putting up roadblocks that keep me from paying off my balance at an amount and timeframe that I prefer to pay. Frost closed the checking account I am required to maintain earlier this year because it did not have enough money in it ( in their minds ), and I was required to go through an entire other process to have that reopened. Further, when I attempted to pay this month, the app shows a " {$0.00} '' transfer limit amount and send an error message telling me to " try again later. '' Second, I logged into the bank 's website from my computer, and even though my external checking account has been added to my profile, it does not appear as a transfer option when I try to use the web-based software to transfer money between the external and Frost account . The chat agent then tells me to go withdraw the cash from the other bank and deposit it with the local Frost branch. All of these apparent " errors '' make it harder for me to make timely payment. This causes me to accrue additional interest amounts that I would very much like to avoid. Frost should not be in a position to cause such delays to my payments. 

These roadblocks and impediments to making my payments appear to be calculated to ensure Frost makes me maintain a large outstanding balance so that the bank can continue to profit off of the interest amounts the bank is causing me to suffer. I know their software works just fine, as I've transferred and paid on this account in the past. The bank should be penalized for these predatory lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several certified letters to EXPERIAN advising that the bankruptcy that's showing on my public record is invalid and needs to be removed. An investigation was done and it came back verified. I then contacted the clerk of courts to ask them how do they verify information, especially incorrect, to EXPERIAN. I was advised that they ( XXXX XXXX XXXX ) do not verify information to credit bureaus. With this information, EXPERIAN still has not removed the bankruptcy.
Product: Credit reporting or other personal consumer reports

I want to file this please as my formal complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing in reference to the Transworld Systems # XXXX account that is listed on my credit as having gone to collections. Im writing to appeal that this be removed from my credit as it is hindering my ability to rent an apartment or obtain a credit card. I was XXXX living at home and under the care of my parents who were also responsible for my medical bills. I had XXXX XXXX XXXX XXXX on my XXXX. The original XXXX happened when I was XXXX and then some surgeries followed after I turned XXXX. Unknown to my parents at the time this bill slipped into collections. As soon as we were made aware it was paid. I hope that you can see that this should not be a reflection on my ability and to secure and pay credit or rent responsibility. Thank you very much for your consideration in removing this from my credit report.
Product: Mortgage

I have a XXXX and XXXX mortgage with Bank of America - they are Interest only balloon loans. The first expires this month - I have been working with BofA to get a new loan - which they said I have to go through a complete refinance with an appraisal. They set up the appraisal ( using a BofA company for this ) and charged me {$460.00} for the appraisal. The appraisal came back to low according to them so they had me contact an RE agent for comps in the neighborhood that reflected a higher price. I thought they could do that - but I did and he sent those in. Well no response from them so I requested an update and was told the value stayed where it was and the loan declined. 

I have good credit - not missed a payment in the entire life of the loan - 10 years - and am declined so they can charge me a higher interest rate for the exact loan they say I am not qualified to get ... .Oh and the extra money for their appraisal. 

I do not see any good faith or good consumer focus in any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to Experian, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am eligible for compensation because Wells Fargo foreclosed on my home and then sold it for {>= $1,000,000}. XXXX denied me my right to reorganize by blocking my application for chapter XXXX. Prior to this, they a modification by saying that my dti was too high. When I appealed the denial decision, which they said was my right to appeal, I showed them more income which brought my dti into acceptable range per the XXXX XXXX. They said I could appeal, but they said they didn't have to respond. They owe me {$400000.00} plus pain and suffering. I am entitled to part of the {$37.00} XXXX settlement from the fund that was set aside for people damanged by their illegal actions. 
The address of the property is XXXX XXXX XXXX, XXXX, PA XXXX. In addition to losing my house, my wife divorced me. I am now renting to the tune of {$36000.00} per year. During the pre-foreclosure process, I had the ability to bring the loan current. 
XXXX
Product: Credit reporting or other personal consumer reports

Majority of my accounts are not 100 % accurate. 

XXXX XXXX IS ACTIVE AND CURRENT XXXX XXXX  IS CURRENT XXXX XXXX XXXX IS CLOSED AND PAID IN FULL XXXX XXXX IS CLOSED AND PAID IN FULL XXXX XXXX I AM NO LONGER AN AUTHORIZED USER ON XXXX XXXX ACCOUNT WITH LINE OF CREDIT OF {$600.00}
Product: Student loan

MY BALANCES FROM MY STUDENT LOANS ARE BEING REPORTED ON ALL MY CREDIT REPORTS WITH A HIGH BALANCE BUT MY CURRENT PAYMENT IS XXXX DOLLARS, BASED OFF THE INCOME DRIVEN PAYMENT PLAN. BANKS KEEP QUESTIONING ME ABOUT THIS AND IT IS MAKING IT MORE DIFFICULT FOR ME TO GET A LOAN BECAUSE OF IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( XXXX, XXXX and XXXX ) have not responded back to me about my investigation. I sent a letter stating Kia Finance XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.
Product: Mortgage

After I refinanced my mortgage, I got notification that my loan would be serviced by SLS. On XX/XX/, I received a letter in the mail saying that my loan was transferred to XXXX XXXX  XXXX and that any payment due on or after XX/XX/XXXX  should be directed to XXXX XXXX XXXX. This letter was generated XX/XX/XXXX, 1 day before the effective transfer date, and didn't get to me until 2 weeks after transfer date. By that time, I have already submitted my payment to SLS online on XX/XX/XXXX which already drafted from my bank account. 

According to SLS eStatement, the amount I have due for XX/XX/XXXX  ( when mortgage was not yet transferred to XXXX ) is {$0.00}. There was no option for me to pay anything online bc nothing was due on XX/XX/XXXX. 

On SLS eStatement for XXXX, the amount due was {$5500.00}. This payment was submitted via XXXX website on XX/XX/. 

When I called XXXX on XX/XX/XXXX, the representative on the phone said she did not have any record of payment. After I sent the proof of draft from my bank, she just said we dont have it. She said everything was transferred over to XXXX. 

I called XXXX who said they did not receive any payment from SLS. 

According to XXXX  statement, I now owe them 3 months worth of mortgage by XX/XX/XXXX - {$5500.00} for outstanding XXXX payment ( even though SLS statement said I owe {$0.00} and the loan was not transferred to XXXX yet at that time. XXXX said that this amount came from the fact that SLS forwarded the loan over as XXXX being overdue ) - {$5500.00} for outstanding XXXX payment ( even though I already paid SLS ) - {$5500.00} for upcoming XXXX payment This is obviously not a non-trivial amount. 

I contacted SLS via email and received no response. 

I contacted SLS via phone, waited on hold for 30 minutes, then got to an agent, who then disconnected my call. 
I called back on the same day, got through to an agent who was unable to help. I asked to be transferred to a supervisor, the agent said she would do so, only to then again disconnect my call. 

SLS has made no attempt to take responsibility for the inaccurate eStatement generated or to help the consumer reconcile the discrepancies.
Product: Debt collection

Texts to family members and previous roommates never listed on any documentation addressing them with my name. Exact text : XXXX, pay your COVINGTON CREDIT account your way. Make your choice at https : XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out
Product: Credit card or prepaid card

Fifth Third Bank offered me a balance transfer offer that included a 3 % balance transfer fee and 12 months of 0 % APR. I was given a check to use to take advantage of the balance transfer offer. The check expired   XXXX    XXXX , 2017. I issued the check to another creditor to resolve a balance before the check expiration date. Fifth Third Bank claims the check was processed by the other creditor after   XXXX    XXXX , 2017. They did not offer me the balance transfer offer and ultimately charged me a 4 % balance transfer fee and standard 19 % interest charges on the balance transferred to my account, resulting in {$250.00} in interest. I have a credit score of over  XXXX  and earn enough to pay off the entire balance. I would n't have taken their offer if the marketing was clear and I knew they would make every attempt to postpone the processing of their balance transfer offer check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Sagestream Stated in the response to my previous complaint that The documents I sent them via Fax did Not match my identity documents that were sent. I am attaching the SAME documents that I sent Via fax to this complaint so that the record shows they were correct, seems like they are toying with me at this point and I am frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

**Dear governor, My name is " XXXX XXXX XXXX. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX REPORTED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Product: Mortgage

SN SERVICING CORPORATION ( servicer ) is filing foreclosure on my home on behalf of XXXX XXXX XXXX TRUST a nonexistent trust/entity according to Securities and Exchange Commission records. They are perpetuating fraud on the court to claim ownership on my home as this alleged trust was never formed/created with no Pool and Servicing Agreements to show that they are a party of interest.