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

In XXXX of XXXX I secured a mortgage through XXXX in the amount of XXXX. I never missed a payment and this account is not being reported by Equifax. They refuse the properly report my credit worthiness. 

This is the XXXX account that has never been late and was in perfect standing they refuse to report. XXXX has reported it but I pay for the XXXX service. I dont pay Equifax maybe thats why they dont report my credit properly. 

They need to report my previous mortgage immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX XXXX XXXX and XXXX XXXX XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to XXXX XXXX XXXX, I assert that I do not owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX XXXX XXXX and XXXX XXXX XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management Account # XXXX After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt.

I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need.

Please provide me with the name of the original creditor, signed contract, the money
owed, and license number. Pretty simple items to ask for.

If you can not provide this information or fail to reply to this validation request within 30 days upon receiving the notice, this account must be deleted completely from my credit report.

I look forward hearing from you to resolve this concern. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Mortgage

Submitted multiple requests to XXXX XXXX XXXX report VA Mortgage to XXXX and all Credit Bureaus.
Product: Credit reporting or other personal consumer reports

In XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding inconsistencies on my credit report. I asked them to investigate and never received a response, and the information was never taken off of my credit report. I have sent several requests since XXXX, and with no luck. This is a direct violation of my rights according to the Fair Credit Reporting Act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a mortgage account that is closed asd has been paid in full as opened and with an outstanding balance on my credit report. I have notified them multiple times now this account is paid and closed and they have not corrected the issue. I have reached out now over a dozer time and for over a month or two now. they have ignored my requests and still show the account opened with a balance and that is incorrect. this account is closed and paid in fill parkside lending has been paid and in full and show show a XXXX balance an closed please properly update the accurately
Product: Vehicle loan or lease

I am writing to file a formal complaint regarding Chase Banks failure to release a lien on my vehicle, which was fully paid off in XX/XX/year>. Despite repeated requests to Chase Bank, they have not taken the necessary steps to release the lien, preventing me from obtaining the vehicles title and causing significant financial hardship. 

Background : XXXX XXXX : I had an auto loan with Chase Bank, with loan number XXXX, which was fully paid off on XX/XX/year>. 
Chase Complaint Reference : I have submitted a complaint to Chase regarding this issue, under complaint number XXXX. 
Lien Issue : Since the loan has been paid in full, Chase Bank should have released the lien on the vehicle, but they have not done so.

Issues Arising from the Lien : 1. Inability to Sell the Vehicle : Due to the lack of title and the unresolved lien, I am unable to sell
my vehicle, which has prevented me from capitalizing on its value.

2. Insurance Costs : I am continuing to incur expenses by paying for car insurance on this vehicle, as I am legally obligated to do so as long as I hold ownership.

3. Additional Financial Hardship : The inability to sell the vehicle has led to additional financial stress, as I am deprived of funds that could be available to me.

Actions Taken : I have contacted Chase Bank multiple times to resolve this issue, but they have failed to provide a solution or confirm when the lien will be released.

Request for Resolution : I am requesting that Chase Bank immediately take the necessary steps to release the lien on my vehicle so
Product: Student loan

I really just had a question to whether I was being mislead or was it legal. I filed bankruptcy in   XXXX   XXXX  . I soon received a letter from sallie mae saying that I was in default of my loan. I told them that my loan was in deferment. They told me that when you file bankrupt the promissory note was no good. I asked for a copy of the promissory note because I could n't print it. They locked me out of my account because they said I did n't have access since I filed bankruptcy. I asked them can I get someone else to buy the loan they said no because I defaulted. I called my bankruptcy lawyer, he asked for a copy of the promissory note, I told him I could n't get it. He told me that the best thing to do was she what type of payment plan they have because I am responsible, in which I knew this. Sallie mae told me I had to pay  XXXX  dollar down by   XXXX   XXXX   XXXX   and thereafter  XXXX  and it had to be automatic withdrawal. The contract ends every  two year s and you have to renew it. So in   XXXX   XXXX  , I noticed the money was still on the card so I called to see why they have n't took the payment, I was told that I did n't renew the contract. I told them no one informed me that it had to be renewed every  two years . They told me a guy supposed to had called. I have n't received no calls but anyway, I just wanted to know can they do that. I was also told that default would be on my credit for at least  10years. That i s n't fair, just because you file bankrupt does n't mean that should go on your credit especially if I 'm paying in a timely manner as agreed. Also why is my account still lock?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$990.00} Original Creditor : XXXX XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX XXXX this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$160.00} Original Creditor : XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

On XXXX XXXX XXXX there was a collection account added to my consumer report. Causing my XXXX  score to decrease by XXXX. 
Caine & Weiner has violated my privacy. Due to not having any acknowledgment or debt collection letter sent to me within the allotted time ( XXXX ) there was no notice or any communication between myself and the third party debt collector. Violation of FCRA.

There was no communication at all.

Not only no communication but Ive never done any business with this corporation. Ive never been to California.

Not only have this corporation violated my rights and the FCRA but theyve also violated 15 usc 6801 due to having my non- public private information.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Alliance Acceptance Corp is reporting an incorrect payment history to XXXX. I got on a payment plan with Alliance and they agreed to report my account to the bureaus as current as long as I am making my payments which I am. XXXX from Alliance emailed me this to confirm. Please see attached our email thread. I also attached a copy of how XXXX is reporting this account. XXXX and XXXX are reporting correctly and XXXX needs to do the same.
Product: Payday loan, title loan, or personal loan

I acquired a service for my home in XXXX ( XX/XX/XXXX ). The work order form noted what service we received and that it would be {$7900.00}. I was informed that the loan would be facilitated through the Castle Credit Finance company who would send a letter that would go into more detail of what the loan entailed, the payment process, account number, etc. In XXXX, I called the company, inquiring on my account since I never received a packet, any letter, or email regarding my loan. And given that the work order noted my first payment was in XXXX  months, I wanted to check. 
Discussing with a representative named XXXX, from XXXXastle Credit, I learned what my account number was and that they had written my XXXX # incorrectly. I was assured that I would receive the packet. I never did, nor an email. In addition, and most importantly, XXXX assured me that the payment was not due until XX/XX/XXXX. I was dubious and asked for clarification, particularly if it meant " no interest being accrued. '' She confirmed that XX/XX/XXXX was due date and no interest would be charged. 
I received a letter on XX/XX/XXXX notifying of my new balance ( {$8100.00} ) and was bewildered but also annoyed. Why is it going up if I was informed, by a member of the company, that no interest would be accrued until after the due date passes? I wasn't pass due and I have had no fees. Since I never got a welcome letter, I was not informed in writing how the interest was determined. Their online account bears none of that information. No documents or terms and conditions. 
Castle Credit prefers complaints to be written in writing. After no response for 2 days and noticing that my balance is going up, I called the company ( XX/XX/XXXX around XXXX ). I spoke with XXXX and expressed my frustrations. I felt patronized as he informed me of " how loans work '', even though I had emphasized that a member of their company misinformed me and that the company failed to be transparent about their process. He said he can't do anything, I have to just pay the monthly. Further demonstrating to me that he isn't listening to me-I can pay the entire balance but waited with the impression that it was not due until XX/XX/XXXX. This company needs to be held accountable-particularly with being sure that there workers are not misinforming clients with information that can have financial repercussions ( but of course it benefits the company ) and also with clearly providing documentation to clients ( whether it is online or through the mail ). As I mentioned, I only ever received a work order and XXXX summary of my account which I read and noted how interest is accrued. But this letter came in XXXX and I had an account with the company since XXXX.
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 : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 have a mortgage with Mr.Cooper. I was told back in XXXX of XXXX that my PMI would fall off in XXXX of XXXX, because I will reach 20 % of the loan and no longer be responsible to have PMI. Its now XXXX and my PMI did not come off. I called Mr.Cooper ( XX/XX/XXXX ) to see why this is and they told me its because I have a rural housing loan and that it will be on there until the loan is paid back in full. This is not true, I have a conventional loan. When I confronted XXXX that this was not true he said I must of been mistaken when I purchased my home and this in fact was true. I told him I want to see what he is looking at and show me where I signed because I have proof that I have a conventional loan. He said he would send it to me but never did. I asked to speak with his supervisor and he sent me to one of their specialists. I then spoke with the specialist XXXX and she apologized to me that XXXX must of miss spoke. I told her I find it shady, that this sounds like fraud and should have never been confusing for him to miss speak on. She agreed with me and told me how sorry she was. I asked her why hasnt my PMI been released, she said it because I havent sent in the proper paperwork yet and there is between $ XXXX {$200.00} service fee. She will email me and send me the release in the mail. That this is their process. Which sounds even more shady. This morning XX/XX/XXXX I went to access my loan and it says there is no loan to be found. Both individuals would not share their last names and said it was policy as well. Please investigate this, this has fraud all over it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day threshold and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to properly delete all information which can not be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Mortgage

Good Afternoon, I am a homeowner in XXXX XXXX and need help with my lender. I bought my house in XX/XX/XXXX with an FHA XXXX loan program. At the time I was working at a XXXX XXXX as an XXXX XXXXXXXX. In XXXX of XXXX I lost my job due to the COVID pandemic. My lender offered a forbearance during the time I was not able to be employed. When the pandemic was abating, my lender then asked me to pay back all of the missed payments in a lump sum or offered to refinance which would also give me a lower monthly payment. I did not have the money to pay the lump sum and was not able to resume working as an event manager at that time so I chose the refinance option. However, I now have paperwork saying that in addition to the missed payments, I owe an additional {$27000.00} over and above the missed payments due to the refinance. I was never informed about the additional money that would be owed and would not have been able to avoid it anyway as I did not have the money to pay the lump sum of the missed payments. Now due to escrow and the rising costs of everything, my monthly payment is higher than it was before the refinance in XXXX. Is there anything I can do about my monthly payment and/or the additional {$27000.00} that has been added to my amount due. 

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

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish a account without my written instructions.

15 USB 1666B : A creditor may not treat a payment on a credit card account under an a open end consumer creditor for this purpose.
Product: Credit reporting

Fraudulent attempt to open a credit card in my name - Called and stopped application. 
However, it took XXXX XXXX 6 months to have removed This time on XXXX XXXX, XXXX the same event occurred again. I called and stopped the application but XXXX XXXX failed to call me first ( Had a credit alert in place at the time of application ) and as of today XXXX/XXXX/XXXX failed to removed the hard hit from my credit report. I have spent over 8 hours over a 5 month period and have complied with their directions and faxes. 
I need help with XXXX XXXX to comply with the 90 day limit for removal.
Product: Credit reporting or other personal consumer reports

The amount of {$730.00} collection was placed on my credit report. With no letters or calls to state debt owed. A debt validation letter was sent out after the collection was placed onto the credit report on XX/XX/2024, and have received no response back after 30 days. I also have disputed this with credit bureaus as an invalidated debt.