23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I came out of Forbearance from XXXX XXXX  and ended up with Mr. Cooper ( Acct. XXXX ). They never called me to set up anything. On the phone with Mr. Cooper on XX/XX/XXXX and also on XX/XX/XXXX. It took two days because the representative could not find my account. I only knew from talking to XXXX XXXX  to start paying Mr. Cooper on XX/XX/XXXX. XXXX XXXX  told me that my monthly payments would be actually less than pre-forbearance. I started paying Mr. Cooper {$1500.00} monthly until they told me to stop paying them when my XX/XX/XXXX payment was not accepted. The reason is that my payments were messing up with their arbitrators. They told me that it will take them up to three months before a set payment amount is made. In XX/XX/XXXX Mr. Cooper sent me a mortgage contract that I had to sign and notarized. That was completed and mailed to them. I have not received my signed copy back and have requested it numerous times. It appears that I do not have a mortgage contract, which they started to this day. They send bills through XXXXXXXX XXXX for the entire forbearance period with XXXX XXXX. They just dinged my credit score by saying i am 180 days late for payments which is untrue. Documents will show monthly payments from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I an entitled a free credit disclosure file, due to a credit denial. I tried getting disclosure file by phone, but Equifax is requiring me to get my credit score also with my free disclosure file, therefore eanting to charge me for my credit score. So I try it online, give all the info they requested and then tell me " at this time they can not give me my credit disclosure file ''. Then want me to use the robo phone line to get it. Its just one vicious circle they have sent me in. Reason I m pursuing this is I have false info on my credit denial. I m wanting to verify this info is in fact in my credit file. 
Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Santander a formal notice to cease a unauthorized hard inquiries into my credit report and, a formal demand that they immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have a illegal inquiries removed. I also made the aware that I did not sign any documents authorizing their organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
However, I ask them to forward documents that they believe authorizes Santander to make inquires into my credit report, I respectfully request a copy of this documents be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests within 15 business days. Also I will forward a copy of this letter to the Creditor Bureau 's.
Product: Money transfer, virtual currency, or money service

They let this XXXX XXXX take money from my account after I showed them he had hacked my account and changed my phone number he kept changing my password, my email and my phone numbers I even sent a screen shot of all this to confirm all this to to customer service representative they still let him take the money didnt do nonthing about it! I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied to several entities that required credit verification and Equifax has continued to show an accurate report or nothing at all. I have submitted the documents two times at their request to unfreeze and report correctly. This has been an ongoing issue that has caused a great deal of stress.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of 30-Day Late Payment from Credit Report Dear XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally dispute the 30-day late payment status that has been reported to the credit bureaus and is currently appearing on my credit report. The details of the account are as follows : Account Holder : XXXX XXXX Number : XXXX Paid in Full / Account Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that XXXX XXXX XXXX remove this negative mark from my credit report for the following reasons : 1. Good Payment History : I have been a loyal and responsible customer of XXXX XXXX XXXX, maintaining a good payment history with timely payments over the duration of my account. This isolated incident does not accurately reflect my overall payment behavior. 
2. Unforeseen Circumstances : The late payment in question was due to unforeseen circumstances beyond my control. I am an XXXX XXXX member and was on official travel when the late payment occurred. I have since taken corrective measures to ensure such a delay does not occur again. 
3. Consumer Goodwill : As a gesture of goodwill, I kindly request your understanding and assistance in removing this late payment from my credit report. The negative remark is adversely affecting my credit score and financial stability, despite my overall positive payment history with your institution.

4. Potential Reporting Error : There may have been an error in reporting this late payment to the credit bureaus. I request that you review your records and verify the accuracy of this information.

I also request a written confirmation from your company stating that the late payment has been removed from my credit report once the correction has been made. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the resolution of this issue. Should you require any additional information, please do not hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX
Product: Student loan

On Saturday, XX/XX/XXXX I received a bill through my email of a new company who apparently bought my student loan. I did not sign on to their agreements and my account was sold without my knowledge. I am a single parent trying to get ahead. I owe more than I took out. I am back in school doing my best to support my children. I received my emails on Saturday and I am behind a payment now. Apparently I had a bill due already. I set up the online account to try to get help. I did not get any help. I called today and was transferred more than 3 times. Each time I was repeating myself. I was on the phone for over 30 minutes. They offered me deferments on my account for 3 months as long as I pay {$100.00} today. Well if I had the {$100.00} I would pay the account up but I do not. Then the lady decided to remind me I was being recorded. I was told this every few minutes. I reminded her to listen to the records. I never agreed for my account to be sold and now I have to restart again. After I told her I was trying to better my career and in school again, the lady made me feel as if I was lying since the school did not report it. I can't support my kids and pay {$300.00} in student loans. They do not have any options to help me. How can my loan continue to be sold and I have to deal with different interest rates and more debt that I did not take out? I have attached screenshots of the date and time I received notice about my new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt From XXXX XXXX XXXX appeared on my credit report XXXX of this year. It was disputed and found not to be mine on XX/XX/XXXX. It was deleted from my credit report on XXXX as well. Today XX/XX/XXXX almost two months later is was reported again by XXXX XXXX XXXX and place back on my credit report but with a different account number. It also appeared on my XXXX with a totally different account number from the two that was reported to Experian. This is NOT my account. XXXX XXXX XXXX won't even give me the address to the account the are trying to collect this debt from. I have already disputed this with Experian and had it removed and now its back again and found to be accurate after I disputed it again. They see its XXXX different account numbers. I don't understand how they don't get what is happening. 
I Also have a hospital debt that was on my credit report that was removed and now its back on my credit report but with a different collection agency by the Name of XXXX XXXX I have had it deleted and the agency resold it and it was place right back. These are not mine. I have impeccable payment history. I have never been late on a payment or had a collection. This is Fraud
Product: Credit reporting or other personal consumer reports

I took out a small short-term online loan with Essential Lending DBA Wise Loan XX/XX/XXXX. The loan amount was {$800.00}, and the repayment was {$260.00} per month for a period of 6 months. 

I fell behind on the payments of this loan after making the first payment. 

There are XXXX issues that I have had with this account. The first being the inaccurate/false credit reporting information throughout this process, and the second being that I paid off the account through XXXX in XXXX of XXXX, and Essential Lending continues to report this account with an open balance. 

The first issue is the inaccurate reporting. This account reports as an open account XXXX days late, This reporting is false, and it is done to maximize the damage to my credit score. The date of last payment per the credit report is XX/XX/XXXX, yet the reporting as of XX/XX/XXXX on my XXXX and XXXX report the account XXXX days late with a balance of {$2300.00}. 

The second and most important issue is that this account was paid off XX/XX/XXXX in the amount of {$810.00}. This account was paid through InDebted on behalf of XXXX, XXXX, with the original creditor being Essential Lending DBA Wise Loan. I have attached the confirmation of payment as well as emailed correspondence with XXXX. 

I expected the account to be updated to reflect the payment, but it has not been. I disputed this information with the credit bureaus, and Essential Lending has refused to correct. I have made multiple attempts to resolve through InDebted and Essential Lending through email and phone calls, but I have been unable to get any type of resolution. Essential Lending is reporting this account open and unpaid, yet I have provided all of the documented proof of payment. I have been requesting this correction for over a year. 

Essential Lending is doing a great deal of my harm to my credit, This company is not working in good faith, I have satisfied this debt.
Product: Credit reporting or other personal consumer reports

i found inquiries on my credit report that arent mine
Product: Money transfer, virtual currency, or money service

XXXX Bank of America there was {$100.00} deducted from my XXXX XXXX  account on XX/XX/XXXX paid to XXXX XXXX of XXXX VA I have never heard of this person.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. Account : Axcess Financial is reporting an updated status on my XXXX credit report as ( PAANL ) paid as agreed never late but its not reflecting on my XXXX credit report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am requesting that this account be updated immediately for complete accuracy or remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$990.00} XXXX XXXX  XXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX
Product: Checking or savings account

Capital One received my paycheck and is meant to direct deposit it into my account. Capital One is now over one day late witho it any indication of when I will receive my paycheck.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear GFS INC., I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under XXXX, Missouri, state laws. 

It has unequivocally come to my attention that GFS INC. has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for GFS INC. to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that GFS INC. immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that GFS INC. will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Vehicle loan or lease

I've filed a complaint with this company before on XX/XX/2021 SETF/Wofc Ive sent proof police reports thats my identity was stolen Ive never obtained a loan from this company they keep verifying my loan this loan is fraud Ive never did business with this company I want this item deleted its affecting my credit negatively and causing me serious distress. This company will not accept my police report from my local agency I'm not understanding why I've sent in over 5 fraud packets, and they are ignoring me this is illegal this has been going on for 5 years I'm prepared to sue them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Back in XX/XX/2015, I initiated the XXXX XXXX Internet / TV / Phone connection for my home and I was promised a internet speed of 150-MBPS speed. 
XXXX installed the equipment and I never ever received the internet speed of 150 MBPS. ( Checked using internet speed checking utilities available online ). The max speed that I ever received that I measured was 70 or so MBPS. 
After numerous customer service phone calls and numerous techniques trips to home to fix the problem, XXXX was never able to provide me the internet speed of 150-MBPS. 
I had no other choice other than to cancel the connection. 
XXXX comes back to me saying that I still owe them money for internet services that were not provided to me as promised. Attached are last two monthly statements. 
XXXX sold this debt to a company called XXXX XXXX XXXX and this debt ( {$110.00} ) is being reflected on my credit history. 
I have contact the credit bureaus to remove this debt form my credit history and was un-success doing so. Need help to remove this debt from my credit history.
Product: Money transfer, virtual currency, or money service

I transfer money from my XXXX XXXX XXXXXXXX account to my Pentagon Federal Credit Union account on XXXXXXXX XXXX XXXX, but on XXXX it was still in PROCESSING. They are using my money for 6 days or more for their use ... .why?
Product: Credit reporting or other personal consumer reports

I would like to request the removal of several unauthorized inquiries from my credit report. These inquiries were made without my consent and are negatively affecting my credit score. I have carefully reviewed my credit report and identified these inquiries as being inaccurate. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report, and I kindly ask for your assistance in resolving this matter by having these inquiries removed promptly. I appreciate your attention to this issue and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent inquires, I've disputed the inquiries with letters from the furnishers INQUIRY NAMES AND DATES, XXXX  XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX  FROM XX/XX/XXXX DISPUTES WERE SENT AND RETURNED AS VERIFIED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.