23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$6000.00}
Product: Debt collection

XX/XX/2017 XXXX XXXX Call Length 9 Minutes 1 Second This was a verbal communication. Not a written communication. Spoke with XXXX XXXX at XXXX XXXX XXXX regarding my XXXX Account. She never told me she was a debt collector and she never stated the " mini miranda '' during the call. I never heard her say " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I dont even think she advised me that the call would be monitored and recorded for quality and training purposes ... Which I later found out through a manager that their calls are recorded. 

While speaking with her I attempted to resolve by mailing in a payment and she refused to provide a physical address for her company where I can mail my payment. She advised me the only way to resolve at this point was a card ; which I do n't believe to be true. She never provided an address. 

When I tried to call back to find out if they were an attorney office or a collection agency the person I spoke with told me that they have attorney 's there but she doesnt know if they called me. I feel like they violated my rights as a consumer as well as the FDCPA ; considering they were misleading ; unfair and deceptive in what she did and did not say to me during the course of the call. 

I do n't mind someone collecting a debt from me ; but I would hope that they would do it lawfully.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I am writing to dispute the accuracy of the information in my credit report, pursuant to 15 U.S. Code 1681s2 and 15 USC 1681s-2 ( a ) ( 7 ). I demand that you immediately investigate and remove the following items, which I believe are inaccurate and are harming my creditworthiness : I have absolutely no affiliation with of The address XXXX XXXX XXXX XXXX XXXX XXXX CA, Please remove this address as it is HIGHLY INACCURATE. 
XXXXXXXX XXXX XXXX  account that was added to my profile XX/XX/XXXX is a business account that is currently in good standing still and should be removed from my personal immediately. HIGHLY INACCURATE. 
XXXX : XX/XX/XXXX XXXX was a result of fraud and should immediately be removed from my credit.I gave creditor no authorization to run my credit and should be immediately removed. 
XXXX XXXX  XX/XX/XXXX is another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXXXXXX XXXX : XX/XX/XXXX s another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXX XXXX XXXX : XX/XX/XXXX is another inquiry that needs to be removed immediately. Institution had no authorization to pull my credit. 
XXXX is inaccurate, They are not my current employer and need to be removed immediately. 
These items have a negative impact on my credit as it dropped XXXX points in XXXX days. These negative items on my report are in direct violation of 15 USC 1681s-2 ( a ) ( 7 ) and U.S. Code 1681s2. These items have a severe impact on my credit as it dropped XXXX points in XXXX days and should be remedied immediately. 

If you do not correct these errors in my credit report, you are in direct violation of the Fair Credit Reporting Act ( FCRA ), which could subject you to civil liability and damages. 

Please note that I take this matter very seriously and will pursue all legal remedies available to me, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau, initiating legal action against you, and seeking punitive damages. 

I demand that you respond to my dispute within 30 days of receiving this letter, in accordance with the FCRA. Failure to do so will only serve to further demonstrate your deliberate and willful disregard for the law and your obligation to accurately report my credit information. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Accounts reporting as charged off, i requested the 1099-c in regards to this account and was never provided that document. The irs clearly defines charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes this reporting of this account inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 usc 1681s-2 of your responsibility as a furnisher of information.
Product: Debt collection

Procollect Collection agency reported a debt of {$870.00} by error to my credit report, I find out of that debt when I was trying to get a Home Loan and I was told that I needed to pay that first. Credit report was showing that balance was from Original creditor XXXX XXXX, I contacted that storage place and talked to a Supervisor, I faxed over my information over to them. They advised me that they did not reported anything under my SSN to credit report, and that the error is from the collection agency. 
I contacted Procollect on XXXX/XXXX/XXXX and talk to XXXX XXXX I told him that there was an error that account # XXXX with a debt of {$870.00} from original creditor Assured Self Storage was not mine. He advised me Fax my DL, SSN and a Police report. I faxed over My information and also contacted them back to make sure it was received. I was told account was going to under investigation. On XXXX/XXXX/XXXX I received a letter from Procollect stating that was a true debt and also they mailed me a contract of for a storage unit under the name of XXXX XXXX XXXX Last XXXX of SSN # XXXX, date of birth XXXX/XXXX/XXXX From XXXX. 
I contacted them back to dispute again because on the contract clearly stated that me and the person who signed the contract are XXXX different person because my name is XXXX XXXX XXXX last of my SSN XXXX, my date of birth XXXX/XXXX/XXXX I 'm not from XXXX. I told them this tells me that you did n't even took the time to review my case and resolved BIG MISTAKE ypu have made. I talked to Supervisors and they keep telling me that is my debt and that I need to pay. I called them so many times to fix issue and they are not listening. I think is unfair to charge me for some XXXX else debt and this company should not be running a business, because they charging to the wrong person, also this their employees are very rude that makes your life so difficulty. You can not imagine how much time and tears I have waste because of this company, I even had to go to the doctor and asked for medication because I was so stressed out about this issue and my XXXX XXXX, and the worse thing is not is not even my debt. I contacted local police dept. for help. Detective XXXX assisted me contacting them, they told her that it was going to be taking care, the next day this collection agency call me back again asking to pay that bill. After I faxed and email my proof they did nothing to fix the problem I called the XXXX and file a claim with them they told as well that it was going to take care. I contacted Procollect to ask for a letter stating that issue has been taking care and that balance has been removed from credit report, I 'm asking for the letter because I do n't trust them and I 'm scare that this is going to happen again. When I called they keep telling that they will give me a call back, but they are not returning my call back. Please help me with this issue and please do something about this abusive company.
Product: Vehicle loan or lease

We have repeatedly contacted bank for assistance with payments because of significant financial hardships including my XXXX  XXXX  pay being suspended in error by the XXXX XXXX and XXXX XXXX ( XXXX ). As a result, I lost more than half my pay and had to correct the issues to be paid which has put us significantly behind in many bills and payments including the car. 

We initially got two vehicle payments deferred and we were told at that time if we needed additional payments deferred it wa a simple phone call back to Santander to have additional payments if our hardship was ongoing and still causing issues. When we called back because the hardship has continued, we were told we do not qualify because once there is a deferred payment, in order to get a new deferral, we needed to make XXXX payments more... they never stated this in the beginning of the request for deferral. Further, it took them over 4 months to even notify us that they had a special deferral/default section/group called " XXXX. '' It took us over XXXX phone calls and various representatives in order to get the XXXX  department and they have been utterly useless refusing to review the account or work with us in any way. 

Further, Santander mailed my mother ( not an account holder ) information in her name regarding MY loan on a vehicle she is not a joint account holder and has nothing to do with our account. They literally sent private detailed information including account numbers to my mother in Washington state. 

We have paid every payment on time until the hardship and had another vehicle loan for over 5 years that NEVER missed a single payment and was paid off early yet this bank wants to offer ZERO assistance in the way of helping with literally TWO payments ( we have stated we would be able to make two full payments on XX/XX/2024 when my pay is received properly ) to be deferred. This is a vehicle worth XXXX with a balance owed of only XXXX. It is my belief they are attempting to take my vehicle knowing they will actually make a ton of money on it and that is why they are refusing to assist with payments for a hardship. 

We waited months and they refused to even call us back. We were told repeatedly we qualified for deferment and they would call us back to set it up then no call and when we called them they sent us to voicemail. 

I have messaged them on my account giving permission to speak about our account and we informed them today we were filing a complaint and they had permission to speak to CFPB in regards to our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus.I need these inquiries verified and proof provided for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed Here are the companies and dates of occurrences : XXXX : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Experian 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Most recently on XX/XX/2023 I received a settlement offer for a large lump sum with Foundation Finance to resolve my loan/account. This was for a rather large lump sum and I replied back to that email requesting other payment plans/options on resolving my account. I work 2nd shift and a lot of 12 hour days, so free time during normal business hours are limited. I did not receive a reply for other amounts/options, so I emailed their account recovery specialist again on XX/XX/2023 asking for payment plans/options to be EMAILED since I do not have a lot of time for phone calls. XX/XX/2023 I had a voicemail/missed call from Foundation Finance after requesting email communication in my email on the XXXX of XXXX. I also had a missed call/voicemail on Monday XX/XX/2023 after requesting EMAIL communication.
Product: Debt collection

Bayview Loan Servicing is uncooperative and has no courtesy on a mortgage loan that is under my name, but the house has been under my uncle for over a year now. I notice back in XX/XX/XXXX that there was a late mortgage payment on my credit score, but we've been paying it. I called the collection agency and they said that they need proof of insurance and escrow, that they've been charging for that because we don't have proof. I sent them proof and then they said it had to be under my name. It was under my uncle 's name because the house has been under his name since XX/XX/XXXX. I mentioned to them that the house is no longer under my name. Afer a month of going back and forth and delays on their end. I had to keep on following up and then they said I had to complete assumption forms to change the name over to him. I immediately completed and submitted these in XX/XX/XXXX when they told me to do so and received no response. I kept following up and they said they're still looking into it and that it takes time. Five months later, they're still working on this issue as the debt continues to grow monthly. They are charging us twice for escrow and insurance when it's already paid for on our end separately since XX/XX/XXXX. They will not accept our proof because it's under my uncle 's name, which is his house now. They requested assumption forms to be completed to switch the loan to my uncle, which we completed. However, as of XX/XX/XXXX, they just told us that they will not accept the assumption forms and that we have to pay the $ XXXX to reinstate the loan first and then they can look into the assumption forms after. With their months of delay and misinformation they expect us to pay over $ XXXX to reinstate the loan even though it was their fault for not informing us beforehand that the assumption forms would not be accepted? We are being penalized since XX/XX/XXXX for their delays which is not fair. If the assumption forms were not valid initially, they shouldn't have suggested that. Also, it's unfair we're being penalized for all the months of delay as we were waiting for them to get back to us. It is unfair that we have proof of everything, yet they expect us to pay the XXXX to reinstate the loan when it's their fault for the months of delays and misinformation. We submitted all the proof that they needed, yet they are still penalizing us for their mistake. It has been very difficult trying to resolve our issue when we keep getting transferred to multiple people at Bayview Loan Servicing and each person has something different to say and giving us the run around. No one has helped us resolve our issue at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX  XXXX XXXX Balanced {$1900.00} XXXX XXXX Balanced {$4400.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with XXXX reporting that I have or have had an account with LVNV FUNDING LLC.LVNV FUNDING LLC Account XXXX XXXX Verified and Updated the account but they did not resolve the issue Their results were that : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 


This company must have bought my account from some other source and I have no dealings with LVNV. This report is inappropriate and fraudulent. I want it removed from my report
Product: Mortgage

On XXXX XXXX, 2015 I received a phone call from my mortgage company Citifinancial. They told me that I was missing a payment for XXXX of 2015. When they took me through their payment history i had actually made the payment on XXXX XXXX. They told me they would credited that payment to XXXX. A couple of hours later I received another call this time they said I missing a payment from XXXX of 2015. I went through my bill pay for the month of XXXX and seen that it was deducted from my bank account on XXXX XXXX. When i relayed this information to them i was asked to fax a copy of the canceled cashiers check that my bank uses for bill pay. I did this. i received three calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. With each call I had to retell about the faxed copy of the alleged missing payment. On Wednesday XX/XX/XXXX I was informed that a ticket had been made to research the missing payment and they would have an answer for me on Monday XXXX XXXX. I have received calls twice daily Monday and Tuesday urging me to make a payment because my account is in collections. Tuesday XXXX at XXXX XXXX XXXX I received a call and immediately asked to speak to a manager her name is XXXX . She asked me for a payment also but this time it was for a missing payment in XX/XX/XXXX. I then asked how this payment keeps changing months so she suggested we backtrack through my payment history. We went through from XX/XX/XXXX to XX/XX/XXXX but this time she came up with that missing XX/XX/XXXX payment. I asked her to read the notes made and it says that this matter is being investigated.
Product: Mortgage

Citizen One Mortgage & Franklin American Mortgage company continued to draw funds through autopay on a loan that had been closed a few days prior. I have no ability to change this autopay now that the loan is paid off. I have no way of knowing if they will withdraw again. The Mortgage company is completely unreachable. There is no way to speak directly to a person, they have a call back feature which never actually calls you back. I've had two separate call backs scheduled that never happened. 

The mortgage was closed on XX/XX/XXXX. 

The company took {$1000.00} from my account on XX/XX/XXXX. 

There is no record from the loan information on their website of this draft. 

I have been trying for 2 weeks to reach the company. I had a call back scheduled for XX/XX/XXXX and one for XX/XX/XXXX. Neither time did the company call me back. 

I'm at their mercy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with Nissan/XXXX opened in XX/XX/XXXX always paid note on time never later, no issues.. in XX/XX/XXXX there was and incident with my car also in XX/XX/XXXX got a new car.. XXXX  paid off the old loan that I had originally opened in XX/XX/XXXX. InXX/XX/XXXX.. then nissan/ XX/XX/XXXX started reporting I was late in XX/XX/XXXX I disputed then they started reporting I was late in XXXX I disputed then XXXX I disputed that then they went bac to XX/XX/XXXX .. I'm currently disputing that and nissan also sent me a letter that I was late XXXX but reporting XXXX to credit bureaus..
Product: Debt collection

I contacted SEQUIUM ASSET SOLUTIONS. I provided my information I asked was this for because I don't have any accounts or utilities under my name they refused to assist me.