23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX I did apply for a loan # XXXX with Citibank on XX/XX/XXXX before I apply fir the loan they gave me a pre-approval letter stating they will approve XXXX anyway I did find a condo I did want to buy in XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX.with the closing day in XX/XX/XXXX the bank requested a lot of documents with I did provide they did have long time to decide to approve or denied but this took that long either they did not responded about the loan was declined until XXXX/XXXX/XXXX with the expectation that was going to be approved but was denied.that caused me to the seller get upset and try to keep the earned money which was so unfair to me after expending so much money I had to hire a lawyer just to get my money, lawyers expenses {$500.00} earnest money the seller kept {$900.00} extra expenses homeowner application {$150.00} inspection {$190.00} papers {$150.00} I want to the bank be responsible for all damages caused me plus stress and waisted my time The people who worked with me were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with Experian trying to remove old accounts that should not be on my report. I called and had the worst experience today. The person did not understand my request. She kept asking what I what. Then I asked where she was from and she replied XXXX XXXX. Asked for a USA rep and she said " no '' then I hung up. 

However there is two accounts that need to be removed per a payment agreement that was done 3 years ago since I paid them out. 
These two account should be delete or remove- XXXX , XXXX XXXX XXXX, XXXX XXXX, MN XXXX, phone ( XXXX ) XXXX and XXXX  XXXX XXXX  , XXXX XXXX XXXX, XXXX XXXX , NV XXXX Phone ( XXXX ) XXXX. 
If Experian had better works that know what they are doing, then I would not be going through this. This about my 5th request to remove these. They are not on my other two reports, so why can Experian make sure the reports are updated?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX
Product: Consumer Loan

I never agreed or signed any document to have a loan taken out on my name for solar panels, nor do I live at the property where the solar panels were installed. A sales man told my elderly mother that they can use my name to take out a loan for solar panels at her home if she did not qualify. I never knew the loan existed nor did I ever sign or agree to any such loan. My mother is elderly and was taken advantage of. Now the finance company is calling and harassing me for payment. I called them to ask them what this is regarding as I never knew such a loan existed and that was the first time me hearing that this loan existed. When I spoke to Greensky Loan Services they said if they obtain my information the loan is valid. I could not understand how a {$27000.00} loan can be taken out in my name without my knowledge or signature, that is complete fraud! There are other lawsuits against this company as well for scams!
Product: Debt collection

In XX/XX/XXXX I contacted XXXX to file a dispute that the XXXX XXXX XXXX collections was not mine as I was an active employee for XXXX XXXX XXXX for XXXX years in management and we were not allowed to let our accounts go into default. XXXX removed the address on my file that was not mine but did not remove the collections. I have been waiting for a response from them since XX/XX/XXXX. 

On XX/XX/XXXX, I again tried to contact XXXX and the number I dialed XXXX kept disconnecting. And the online dispute form with XXXX kept giving me an error. 

On XX/XX/XXXX, I attempted to contacted Radial Global Solutions LLC there was no phone number to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/20 I am uploading additional information in regards to my XXXX XXXX XXXX  card. I received this letter yesterday its confirming that this account is NOT reporting to the 3 credit reporting agencys. I have requested several times to please REPORT this account. I have a XXXX balance now with a {$4800.00} credit line having this information report would help my credit score significantly.
Product: Credit reporting or other personal consumer reports

MOHELA has been double-reporting my student loan balance to XXXX. I provided documentation of my correct account balance to XXXX, but XXXX declined to remove the incorrect information. I am unsure as to why this would be the case as XXXX stated they verified this as accurate with MOHELA, which it is not. MOHELA has been aware of this issue for several months now, and they have failed on their promise to resolve the duplicate reporting issue.
Product: Credit reporting or other personal consumer reports

I have just got a copy of my consumer report and it looks like I have been violated once again by XXXX XXXX and Equifax. The accounts XXXX does not belong on my report and I have been notifying XXXX for years about these accounts. I have filed a police report for theft I even had it removed from Equifax and XXXX but XXXX never removed the account even though I provided them with evidence. 15 USC 1681I ( A ) ( 1 ) Reinvestigations of disputed information. They never noticed me regarding these accounts ever being verified they just kept sending an automated computer generated response. Here are the accounts I am referring to : XXXX different XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was younger, someone broke into my parent 's house and stole a lot of items from our home but the most important item was a safe that contained personal information like our Social Security Number, Birth certificate, other personal information. A police report was filed but unfortunately, the safe was never returned or found. 

Now, almost 20 years later something that happen when I was a child is affecting my adult life i don't understand how this is happening over 20 years later. 

Items below are items I did not authorize or did NOT open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Accounts I did NOT OPEN & now they are in collections. When I tried to dispute these accounts & I always received no reply back after months of waiting. The bureaus never were able to send me any type of validation for these accounts after over 5 times of mailing letters. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Date Open XX/XX/XXXX Also they have many addresses listed on my report that i never lived in & this needs to be updated
Product: Debt collection

What about 2 years ago I noticed that it came back up on my credit report so I went through the steps of having it disputed the last time it just kind of disappeared I didn't hear anything from the company and then last year under a new name they reached out to me saying that I owe this money and I told them it was paid in full when I received my income tax a few years ago she could not find the information at that time asked for my payment history and I never received it so I started another dispute on XXXX this month.
Product: Credit reporting or other personal consumer reports

Portfolio recovery is currently under litigations as a result of the company mailing missing statements from original debtor failing to prove the claimed amount of {$1600.00}. The original debtor XXXX XXXX XXXX XXXX  credit limit was {$300.00} therefore, portfolio recovery has XXXX added fees to increase the amount due. I have filed several disputes with XXXX and they have failed to remove this collection due to false information being reported on my credit report.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries Account Name : XXXX XXXX XXXX Account Number : Date Opened : XXXX. XXXX, XXXX Balance : {$710.00} Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$1400.00} Account Name : XXXX Account Number : Date Opened : XXXX. XXXX, XXXX Balance : {$710.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX MB XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  OF XXXX XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX XXXX Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed
to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a loan for a used XXXX XXXX XXXX with Wells Fargo Dealer Services. On XX/XX/XXXX WFDS wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with Wells Fargo regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at Wells Fargo Dealer Services, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and Wells Fargo, have proved futile. What Wells Fargo has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XX/XX/XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.
Product: Debt collection

XXXX XXXX needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that ONLINE COLLECTIONS SERVICES Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX 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 ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The status is incorrect for the following account XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the XXXX credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it
Product: Credit reporting or other personal consumer reports

I have an fha loan and this mortgage company XXXX has not provided proof of my mortgage note that if I am late less than 15 days that I have authorized a late payment.
Product: Debt collection

I finished a 2 year contract with XXXX and switched to another phone company where the balance was to be paid by the new company for making a change to them. The balance was sent to collections while I was unaware and they claim they are unable to delete the item from credit report even after I pay the full balance.