23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

NEW : I called XX/XX/2024. Flagship denied my deferment again. The customer service rep stated it was denied due to no income this time. I've attached the record call and transcription. 
You will hear based on the recorded phone call/transcription that this was not the case. The customer service rep read off the notes that I did request a deferment, informed them that I started work XX/XX/2024 and will be able to make a payment XX/XX/2024. I made XXXX payment of {$670.00} early, XX/XX/2024. I requested the rep to resubmit request for deferment. Flagship keeps changing the reason for denial. They are aware of my situation. I told them when I started work and when I get paid. They do not send out denial letters. I should be able to receive information on my account for any disclosures regarding transactions, requests, approvals/denials, etc. That is very deceitful for a financial institution. They should disclose in writing why I was denied. Not tell me they can only say over the phone. I have a right as a consumer to receive this information in writing. I've asked numerous times since beginning of XXXX and received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report I noticed unauthorized inquiries on my report. 

I am DISTRESSED as a result of these reportings as they could hurt my ability to obtain credit. 

Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the PHYSICAL verification of the original signed consumer contract, or an inquiry initiation confirmed through PHYSICAL Identity verification on ANY and ALL accounts that you post on a credit report. Otherwise ANYONE paying for your reporting services could fax, mail or email in a fraudulent account or initiate applications for credit by using stolen identity information. 

I demand that the following inquiries be removed IMMEDIATELY as these were not inquiries initiated by me and are not mine : XXXX | XX/XX/2022 XXXX XXXX | XX/XX/2022
Product: Mortgage

After bankruptcy XXXX XXXX XXXX sold the servicing of my heloc to specialized loan services. This company refuses to send me statements even after I have asked multiple times. Also, I am up to date on my payments and they just stopped applying the payments to my account. They sent me a letter to the mail that I was behind. When I called after a 45 minute wait they said.. woops we have not been applying your payments to the account. The goal of sending this mortgage to specialized loan services was to make it very difficult for me to get information so that they can take this home that I have allot of equity in
Product: Mortgage

I was looking to purchase a home, and a friend referred me to the Real Estate Agent. He told me he could help me buy the house. I explained to him that I was self-employed and had money in my bank to make the home purchase transactions. He told me I had to pay 20 %, and I agreed. I submitted all the required documents to make the home purchase. He introduced me to his wife as the XXXX XXXX. He never looked for a home for me. I was the one who went to XXXX XXXX XXXX almost every day to find a home. One day, I found a house that I decided to purchase. I called him to let him know. Finally, he agreed to meet me in XXXX XXXX XXXX. The builder told me I would receive a {$50000.00} incentive if I decided to purchase the home, and I agreed. 

The home was {$430000.00}. With the Incentive, the house came to {$380.00}, XXXX. The home inspection and appraisal have been done. I provided all the documents the realtor and the loan originator needed to submit to the lender and builder. The home was supposed to be closed on XX/XX/XXXX. The builder told me and my realtor that I we did not close on that specific date, I would lose the Incentive. My realtor knew I was unable to afford the previous home price. I asked the realtor what the builder told him regarding the closing. He said to me that we would close on time. One week before the closing date, he told me he could not contact the builder. I told him he needed to speak with the builder because time was running out. He told me I did not need to worry about the closing date. Everything was going to be okay. When XX/XX/XXXX, arrived, the builder closed the home without my knowledge. When I asked the realtor what was happening, he told me we would close on the XXXX, which was a lie. Finally, he contacted the builder and was told that I was no longer qualified for the Incentive because we did not close on time. 

I was devastated, and I did not know what to do. I proceed with the transaction since I already gave the builder my earnest money. The realtor connected me with the title company. The title company told me the date the house would be closed. I always told the realtor and the loan originator that my monthly mortgage payment should be at most {$3000.00}. They told me that I did not need to worry because all the numbers I saw on the documents were estimates. I did not doubt them because I trusted them. I learned I would pay {$3800.00} when I went to the title company to sign my mortgage closing paperwork on XX/XX/XXXX. The realtor and loan originator lied about everything. They even made me pay both the buying and selling closing costs. 
The total home costs were {$450000.00}. Those individuals really messed me up. They took advantage.
Product: Credit reporting or other personal consumer reports

100 % XXXX Loves Launch Nuclear Missals only means Relief 15 Years try to remove Fraud Alert on Credit File sending XXXX Forms ID and XXXX says there still Fraud Alert on my File 15 Years no Bank can verify me with XXXX XXXX XXXX violate XXXX XXXX Code XXXX Genocide Laws ICC, Alien Tort Claims Act XXXX XXXX. XXXX war crimes, crimes against humanity and aggression CAHWCA, Common torts assault, battery, damage to personal property, conversion of personal property, and intentional infliction of emotional distresXXXX 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 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: Debt collection

Hello I have received a notification of a debt owed to XXXX XXXXXXXX  by a Debt collection Agency, for debts from XXXX {$320.00} but I have never heard from XXXX XXXX  about this before. This is very odd that they took six years to initiate this action. According to ACI, the last payment l made to XXXX XXXX was in XX/XX/XXXX ; the charge is from XX/XX/XXXX, and I closed the account sometime in XXXX. I asked for a summary of the debts but what I got does not tell me anything. I have tried to contact XXXX XXXX directly but they are not accepting calls at this moment. The Debt Collector is American Coradius International LLC. Account Number XXXX, Reference Number XXXX. 
What I need is to verify that I really owe this debt, since, as far as my knowledge goes, I keep my bills in good stand, and this is really inexplicable that XXXX XXXX would take this long to initiate this action without having ever contacted me. I need to know that this debt is legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit company won't delete a Bankruptcy that is on my report. It has been removed from my other two credit reports and they agreed to remove it from this report and haven't. Its holding my credit score down and costing me more money in credit due to this problem. Can we please have them erase this Bankruptcy on my Experian report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play on XX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XX/XX/XXXX and XX/XX/XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please

be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my
thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX XXXX XXXX : {$390.00} ; XXXX XXXX Balance : {$11000.00} ; SXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid a debt with the Law Office of Brett M Borland on XX/XX/2021. They were collecting on behalf of XXXX XXXX XXXX. Original creditor was : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the amount paid was {$1500.00}. They refuse to either report the debt as paid in full
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Without my knowledge a XXXX XXXX credit card was issued. The XXXX XXXX XXXX XXXX was created without speaking to me. A fake email address and my old address was used. As soon as I found out I have contacted XXXX XXXX multiple times, XXXX XXXX and all the credit bureaus. I have disputed with credit bureaus and have not received accurate results. TransUnion have violated 15 u.s.c 1681 code. I will speak to them over the phone and they won't do thorough investigation and send me result but based on what. I want to know what investigation was done to verify that fraudulent account as accurate. They removed that account from my credit report just to put it back again.

I am in process of buying an apartment I desperately need my credit fixed. I am a very responsible consumer.

Please remove this inaccurate information TransUnion as you are in violation. 

Provide me with a proof that I used up XXXX us dollars. Why should I be responsible for something that was done fraudulently. I am a victim here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX  Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Money transfer, virtual currency, or money service

These two charges appeared on my account as pending one was for {$150.00} and the other was for {$500.00}. I contacted the Fraud Department immediately upon noticing these two transactions pending on my account which were as follows : XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX* XXXX XXXX XXXX CA XXXX XXXX  XXXX {$150.00} XX/XX/XXXX XXXX  TO XXXX XXXX ON XX/XX/XXXX REF # XXXX {$500.00} I was told by the Fraud Department I needed to change my account number and go into a branch. They would investigate and the money would be returned to my account as these transactions were not authorized or done by me. On XX/XX/XXXX, a final credit of {$150.00} was given to me but nothing on the {$500.00}. I called to see where my {$500.00} credit was prior to opening todays mail with a letter stating I made the transaction or someone who had my authorization did it and I was not going to receive my money. 
Please be advised I have had my account for approximately 29 years through XXXX then Wells Fargo. I recently put the Wells Fargo app on my cellphone only to get access codes for my XXXXyear-old son, XXXX, to withdraw money. At no point in time have I ever signed up for a XXXX account or know a XXXX XXXX. I am extremely upset as this is not chump change this is {$500.00} someone hacked into my account and fraudulently took money from me. I notified the FBI with regards to these transactions as well. I have since deleted the Wells Fargo app from my phone and am still awaiting my appointment with the XXXX store to review my cellphone. 
I would appreciate all your assistance in this matter and am willing to have prosecuted whoever hacked my account. All I want is {$500.00} to be credited back to my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/2023 To Whom It May Concern : HF HOLDINGS with account number XXXX I cant figure out how you verified this late payment, when the only legal form of verification is the actual bank statement belonging to the company ( XXXX XXXX ) remove lates immediately. 
The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 
This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Your State ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 
I intend to take all legal steps available to me if I do not hear back from you. 

Sincerely, XXXX XXXX
Product: Debt collection

This company is attempting to collect extra interest on an account. Interest that is not stated in the original contract.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and Equifax to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.