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

**************LOAN VALUE REQUEST FOR THE XXXX XXXX XXXX **************** On XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX IL . Financed by Santander USA. I am a victim of PREDATORY LENDING! 
I am requesting the LOAN VALUE on this XXXX XXXX  XXXX. I have attempted several times to reach your underwriting Dept. I have been hung up on twice by your office. 
Your office states you Santander USA does not have an Underwriting Dept or a Compliance Dept. Santander per your response back to CFPB You do have an underwriting Dept but NOT available for customers by phone. Please have your UNDERWRITING DEPT contact me by Email, written correspondence, Phone with a LOAN VALUE ASAP! 
THIS REQUEST IS FOR THE LOAN VALUE OF THE XXXX XXXX XXXX  THAT I HAVE BEEN CHARGED {$26000.00}. Who approved this loan? Who is managing the underwriting dept? 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Even my social security is inadequate in their system I tried to dispute it. It didnt let me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Product: Mortgage

On or about XX/XX/2022, I submitted an appraisal for my house that I had a mortgage with Gateway mortgage. The appraisal was for {$190000.00}. This was to evince that I had more than the necessary equity to eliminate the private mortgage insurance ( PMI ). They refused to do so even though I had over 80 % equity in the property.
Product: Mortgage

XXXX XXXX and XXXX XXXX of Fairway Mortgage have refused to process my loan application. I am XXXX XXXX XXXX. They denied me verbally on XX/XX/XXXX and I requested the denial and reason in writing. They have refused. Today I requested a lower loan amount and they refused to even process the application. XXXX stayed, you dont qualify for any amount. I have mortgage credit scores of XXXX and XXXX. I have worked for the state of XXXX for 18 years and I make more than XXXX. I have a debt to income ratio of less than 15 % and I was asking for XXXX loan. I have no bankruptcies, foreclosures, or any late payments on anything in the last couple years and I pay rent of XXXX and have XXXX to put down. But I am XXXX and they refuse to process my application for either an fha or conventional. This would be the first home I have bought and it is very discouraging to be refused to even be considered because of my age.
Product: Credit reporting or other personal consumer reports

I am writing to let the 3 credit bureaus that I was the victim of identity theft. I looked up how to get rid of the bogus accounts on my report and discovered that I had to file a report with the Federal Trade Commission or go to https : //www.ftc.gov. Additionally, according to FCRA section 605b, credit reporting agencies have to remove or ban any accounts that are included on an identity theft report. on help with the banning of the inaccurate information being uploaded on my report, kindly refer to the documents that are attached. 

The list of items and accounts that are not mine or were opened without my consent is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX , 60 days  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted twice to Experian to have a closed XXXX XXXX account updated to show it closed in XX/XX/2018. Both times they updated it to show charged off at a later date. This account should show closed and no further activity after XX/XX/2018 when it was paid in full and closed. Experian has failed to update this account properly and continues to make errors on my report.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND HAVE BEEN FOR YEARS .CHECKING MY CREDIT REPORT, I NOTICED NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON OR PERSONS USING MY IDENTITY, WITHOUT MY AUTHORIZATION, KNOWLEDGE OR PERMISSION. MY WALLET CONTAINING MY, ID, DRIVER LICENSE, AND SS CARD WERE LOST DURING MY CELEBRATION AT MY HOME AND NEVER RECOVERED OR RETURNED. THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT ACHIEVE PERSONAL LOANS/ XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX / XXXX XXXX XX/XX/XXXX {$7300.00} ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX Balance : {$3000.00}
Product: Student loan

I have attempted since XX/XX/XXXX  to submit payments for my federal student loans. When I reached out to Edfinancial, they were not able to provide any details as to why my payments keep getting reversed. Interest continues to accrue on the full loan amount, despite attempting to payback the loans.
Product: Debt collection

First I received a alert through XXXX XXXX XXXX stating a debt collection. By the name of Dynamic Recovery Solutions never hear of it. So I called the number that XXXX had listed in the alert, mind you I didn't have to type the phone number in. It was a linked number in the report, the number sent me to an employee XXXX help line. I told them what was going on and that this was the number provided as a linked number. They told me to call XXXX I did and it explained it to them, they looked into my credit history and was able to find supposedly the origin of the debt collection. A company called XXXX XXXX called the number provided by XXXX. They immediately started asking for personal information, I explained I wouldn't give them anything until they first confirmed their address provided by the XXXX  alert. They gave me a completely different address, then when I explained how I called the number that is linked in the XXXX  alert and it went to the employee XXXX help line, the lady hung up. So I called XXXX back and let them know this is definitely a fraud case.
Product: Mortgage

My husband and I refinanced our mortgage with XXXX XXXX XXXX. After the refinance was complete, the mortgage was transferred to XXXX XXXX for servicing. Having made 3 payments ( on time ) to XXXX, I was completely frustrated to receive a letter dated XX/XX/XXXX that my home owner 's insurance policy had expired. The letter stated that they would be " buying '' insurance for us. To the best of my knowledge the insurance information provided to XXXX XXXX XXXX when the refinance was completed should have been transferred with the loan. I contacted XXXX XXXX  on XX/XX/XXXX and was told that a payment had been made for our home owners ' insurance but no one could provide me with a check number to confirm the payment. The representative that I spoke to told me at that time she could see that the payment had been disbursed but could not confirm where it was sent. She transferred me to XXXX in " the insurance department '' only to be told they DIDN'T have our insurance information on file. I proceeded to give her the information and the phone number to contact XXXX XXXX to make sure further billing would indeed be going to the correct address. I emailed them the information that day as well with a request of a response that the issue had been resolved. I checked our mortgage account on XX/XX/XXXX and saw that it appeared that a disbursement had taken place for insurance. On XX/XX/XXXX the payment that appeared to have been made was reversed and NO payment had been made for my home owner 's insurance policy. I contacted XXXX again on XX/XX/XXXX and spoke to XXXX and was told a check had been mailed so I asked for the check number of the disbursement. After researching, she told me she was unable to provide a check number and would have to transfer me back to customer service. After being transferred back to customer service and speaking to XXXX I was finally given a check number for the insurance disbursement. ( Ck # XXXX payable to the order of XXXX XXXX ) Having read all of the horrible reviews online for XXXX XXXX, I too want to file a complaint about the companies inability to " service '' any loan in a timely manner. I have huge concerns for my upcoming property tax bill being paid on time. It is completely unfair for a consumer to have to make sure the " loan servicing '' company is actually doing their job. If they continually fail to pay home owner 's insurance and property taxes on time I wish to have them stop escrowing our account and we will be responsible for paying our own insurance and property taxes.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have responded to this companys debt collection and ask d them to validate band provide any evidence of indebtedness to which they have a signed contract with me. They have failed to respond and/or furnish any evidence. They have violated my consumer rights and civil rights by making false and negligent claims against my public consumer report. Therefore, I am seeking compensation from Radius Global Solutions. The fact they are third party debt collectors I have not granted or given away any of me permission for public disclosure of my financial information. I dont owe any debt nor am I responsible for payment of any alleged debt owed. 

I want them to remove all reporting in regards to this account XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Skrill.com has my account restricted and will not allow me to remove my money from my account. They will not let me transfer the money to my bank account. They started by saying I needed to reverify my address. I sent them a copy of a recent court document, a copy of a recent letter from a government office, multiple pictures of my driver 's license, copies of my bank statements, copies of my debit cards and account information and they still won't release my money to me. They are requesting I send them a photo copy of my credit card and an account statement from my credit card provider providing my credit card number on the statement. I don't own a credit card. Even if I did, this sounds really suspicious. I have {$87.00} I just want transferred to my bank or for them to mail me a paper check and then I want this account closed. I have tried speaking to them but they just consistently keep asking for a copy of my credit card I do not have and I have told them I do not have one multiple times. I can not get a real person to talk to me. I am XXXX with a XXXX XXXX I feel like they are playing on my XXXX to keep my money for some unknown reason. I just want my money and no further interaction with Skrill.com ever. This has been ongoing for more than a week. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax credit report and found some unauthorized inquiries on my credit report. I reached out to the companies and they didn't have any information on why the inquiries were filed on my report. Then I reached out to Equifax to correct my report and they said I have to file a report with the FTC. the FTC referred me to go to the cfpb because they are responsible for credit reporting fraud. I would like these inquiries removed off of my report immediately. 

XXXX. XXXX BANK XX/XX/2022 XXXX. XXXX XX/XX/2022 2022
Product: Debt collection

Spoke to a member of this collection agency. Informed him that I have not received notice of the debt. The debt was sent to the wrong location and requested proof of debt with copy of my lease in which he said he was reading. Informed him that I am not saying I will not pay nor I will pay I'm requesting proof to sent to the correct location. The representative said they did their due diligence and by contacting them I am refusing to pay the debt today they would be taking legal action against me.
Product: Debt collection

They keep calling me for a alleged debt for a hospital bill. They had been told multiple times not to call me and send me a itemized invoice for this alleged debt from the hospital. They called XXXX and I advised them again not to call and a certified letter was sent to their company in regards to this matter. My insurance carrier also told me the bill was paid in accordance to the law and that this would fall under the Federal Law of The No Surprises Act. They then called on XXXX from XXXX after they were told not to call. This is a clear violation of the FDPCA when they were told again on XXXX do not call me and to only contact me via mail and that I had sent them a certified letter in the mail as well.
Product: Debt collection

Credit Bureaus XXXX XXXX XXXX XXXX XXXX Santander Consumer is showing inaccurate and erroneous information. It has labeled my account as a charge off. Accountbwas current and used as a trade in witbanother auto company. Would like this deleted. 

Please have them send me an updated credit report once removed to the below address. 

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

Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX Equifax, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX Equifax and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights.

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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Misused by XXXX and understand the other party information was correct or not.
Product: Debt collection

On XX/XX/2019, a collections account, in the amount of {$1400.00}, was opened under my social security number. To date, I have received NO contact from this creditor or collections agency, notifying me of debt obligation. After becoming aware of this account on my credit report, I attempted to reach out to the original creditor and collections agency with no success.
Product: Credit card

I have had an in store Kohl 's card since 1994. Recently, I received in the mail a " Capital One-Kohl 's '' card. This was a VISA card and no longer just an in store card. I was never notified that this was going to happen, nor was I given the chance to " OPT OUT '' of receiving this card. I then proceeded to get DAILY nagging emails from Capital One to " activate '' my card. To sign up for an online account to " manage '' my card, etc... I attempted to contact both Kohl 's and Capital One, who basically blamed the other or stated that Kohl 's was switching its account management to Capital One. That is fine, except for the fact that it wasn't just managing the account, Capital One did a HARD INQUIRY on my credit that impacted my score, and then proceeded to send me a Visa branded card w/o my express permission to do either of those things. I have multiple Visa/Mastercards and did not want another. When I called Capital One to express my displeasure, the agent was completely clueless and kept trying to send me to the fraud department when all I wanted was my STORE card back. I finally ended up having to cancel the account and now no longer have a Kohl 's store card, yet I STILL continue to get emails from Capital One regarding the card I received but never asked for, activated, or used. I want Kohl 's and Capital One to be held accountable for doing hard inquiries on peoples ' credit without their EXPRESS PERMISSION and open communication about the intent or the ability to say " NO THANK YOU. ''
Product: Credit card or prepaid card

I am a victim of identity theft. I recently learned that my personal information was used to open an accounts at your company. I did not open or authorize these accounts. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft.
Product: Debt collection

A letter dated XX/XX/XXXX was received from XXXX that I was released from a debt where my name was forged. I had submitted their Forgery Questionnaire on XX/XX/XXXX. 

Since then two companies have contacted me. XXXX XXXX XXXX XXXX via Ms. XXXX XXXX contacted me XX/XX/XXXX. I promptly sent the letter that I had received from XXXX and she said that the letter clearly states that I was released from this debt. Most recently, I was contacted by XXXX XXXX from Vance and Huffman inquiring about this same debt from XXXX. As of today ( XX/XX/XXXX ), I forwarded the email that I sent to XXXX XXXX XXXX XXXX that includes the documentation that I was released from this debt. 

I feel harassed and I want these phone calls to stop.
Product: Mortgage

Property taxes have not been paid and are past due. This is the 2nd consecutive year in which property taxes were not paid. Insurance was not paid last year, either. Attempts to contact Citizens has resulted in disconnected calls and failure to speak with an agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

IN XXXX OF XXXX XXXX XXXX TOOK POSSESION OF MY MORTGAGE FROM XXXX XXXX. I REQUESTED FOR MY ACOUNT IN XX/XX/year> TO BE PUIT IN AUTO PAY IN WHICH XXXX CONFIRMED TO TAKE EFFECT IN XX/XX/year>. NO PAYMENT WAS TAKING OUT AS PROMISED. ONCE NOTIFIED THAT MY PAYENT WAS LATE I MADE PAYMENT. ROUNDPOINT THEN REPORTED ME AS 30 DAYS LATE HAVEING A NEGATIVE EFFORT ON MY CREDIT. IM CURRENTLY PURCHASING A HOME AND CHARGED MORE INTREST AAND LARGER DOWN PAYMNET.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two confirmation # 's from Equifax pertaining to disputes I filed with them about incorrect information on my credit report. They notified me my Equifax dispute has been completed. Confirmation # 's XXXX & XXXX. I have been unable to get the results because their online system continually gives an error message when requesting a copy of the results. I have made repeated calls to Equifax customer service and the call center workers also report that they too get error messages when entering in the confirmation # 's. I have called in to Equifax customer service asking for a member of management and I have been repeatedly placed on hold for long periods of time and eventually been disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX  account * has violated my rights. 
*-accounts 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 XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items immediately : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX  XXXX