23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received a letter form Mr Cooper saying that they had purchased my loan. When I called in to authenticate the agent said they could not proceed with out me revealing my personal information. I told them I did not have a loan with them and that I could not trust the letter nor the person at the other end because public records showed that both XXXX  ( my current servicer ) and Mr Cooper were breached. 

The agent said they could not proceed as the process was rigid. I reminded her that the artifical agent had verified me already but she would not yield. Asking for someone with authority to by pass the process or use a different method did not help. At the end the agent cut off the call.
Product: Student loan

On XX/XX/XXXX, I reached out to Navient to request an application for their School Misconduct Discharge Application for Private Loans. In a few days I received a response that I am not eligible to receive this application due to repaying these loans, but I have seen that others have received reimbursement for money paid towards those loans due to the nature of the misconduct. 

I am part of the XXXX XXXX XXXX XXXX  with a pending discharge for my federal loans through an approved Borrowers Defense application in the XXXX XXXX which is expected to receive disbursement this year. I have also had several private loans through Navient, and I would like to be able to apply for this discharge/reimbursement as my diligent repayment over nearly two decades should not disqualify me from being part of this application. These loans were taken out XXXX while attending XXXX XXXX XXXX a school with recorded misconduct charges. My Borrowers Defense was applied for in XXXX and resulted in the XXXX XXXX XXXX settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX XXXX, and XXXX  ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX reports as well so in order to correct the inconsistencies between the XXXX XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX XXXX XXXX credit reports. 

The information for this account listed on my credit report is : CREDITOR : TD BANK USA/TARGETCRED, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my FICO score ( good ) very much lower than XXXX ( Excellent ) and XXXX XXXX ( Excellent ) due to incorrect reasons ( late Payments ) in their fico score information. 
I have never paid late on anything but they have me being late 30+ days and 60+ days. 
This is incorrect. They say they can not change it even though there is no evidence of late payments.
Product: Checking or savings account

I'm a tenured Chase customer. I Attempted to open a Trust account after the passing of a family member. XXXX was helpful & pleasant, apologetic & knowledgeable of a very recently outdated process. For the new process she worked hard for me yet was overwhelmed in completing the current process. In addition to not being supported ( my observation ) by her branch manager in escalation who was replaced and not supported by her back office. XXXX told me that she could not document anything in in writing as to what the problems were but would be happy to speak with me. The forms had to be completed by another family member in a different county in NY and those simple processes took a visit to three separate branches to properly complete an internal Chase bank form. I delivered 100 % and beyond of the requested information including notarized attorney generated documents that were more than sufficient to open a simple banking trust account. I began the process XX/XX/XXXX, I had to drive the process forward several times including weeks of zero communication after I filed a complaint ( after a month of frustration ) with XXXX at the beginning of XXXX where I had to follow up. On XX/XX/XXXX I was told that it came back denied again with one of the many reasons that the deceased family member didn't properly complete a form during the period after they were deceased. I opened a Trust account with the exact same documentation at other major banks with zero problems and prompt account creation. A non savvy consumer without resources could be placed in a dangerous position in both XXXX XXXX of unnecessary XXXX and stress during the period when a family member has passed as well and financial duress by not having time critical banking needs met which could prevent deposits and disbursements.
Product: Vehicle loan or lease

My wife and I traded in two vehicles at lease termination and leased a new XXXX XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX, FL. Incredibly, the salesperson neglected to pay off either of the two vehicles. Hyundai Motor Finance, the lender, started making robo calls about the payment was late. When we called, we were assured the payments were up to date. We discovered the problem when a payoff letter was sent that had late fees on the XXXX XXXX and two payments remaining. The dealership admitted their error and finally corrected the credit reporting issue on that vehicle. 
The second vehicle, a Hyundai XXXX, was paid off in XX/XX/2020. Then, the account was found to have late fees of {$190.00}. Hyundai Motor Finance reported us 30 and then 60 days late on a PAID OFF loan. I paid the late fees when notified in XX/XX/2020 ; however, at that point the dealership should have taken responsibility for not including all fees in the payoff and not passed that charge on to the customer. 
This is for a customer who has a nine year history with the dealership and finance company. Now, 18 months after the fact, we are refinancing and the two late payments are affecting our ability to get a low interest rate. Repeated attempts to get the dealership to provide a letter stating the facts and how the error was their fault have gone unanswered. I have the original documentation to prove this but the credit bureaus want the creditor to verify the account history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear investigator, In a communication I recently received from Equifax ( Exhibit # 1 ), the company alleges that ( 1 ) I have not applied for credit recently, ( 2 ) I have not used credit in the past 10 years, ( 3 ) I have not lived in the United States and ( 4 ) I do not have an Assigned Social Security number. 

ALL THESE ALLEGATIONS ARE COMPLETELY FALSE. I have an account with Equifax company, as well as XXXX XXXX and XXXX credit reporting companies. To correct this very serious error, I include a copy of my credit file with the Equifax company ( See Exhibits 2, 3, 4, 5, 6 and 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on WORLD FIN XXXX Balance Owed : {$550.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my credit report that I did not authorize and i sent letters to Transunion plenty of times to have them removed but NO RESPONSE! letters were sent on XX/XX/XXXX  and XX/XX/
Product: Debt collection

I've tried explaining to this company, the information that is reporting on my credit report isn't mine and I sign my name as XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report with Experian, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/2019 XXXX  on XXXX XXXX, and XXXX on XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Equifax. It is over many months that they refuse to correct MULTIPLE items on my report that have significant adverse affect to me for NOTHING that I did. I have 3 separate accounts ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX ) that report me as 60 days past due. It is IMPOSSIBLE. They should only be 30 days and they are CURRENT now. They refuse to delete a collection despite multiple notifications and email from the collection agency to delete the account. They are showing another account ( XXXX ) as having a 60 & 90 day late payment in XXXX when it was IMPOSSIBLE. In addition they are impossible to get on the phone, when you do connect they are rude, dismissive and obviously of no help. Whenever I do try to get a resolve I get a monotone response that it is you must wait 30-45 days. My concern is this could go on for 9 months until it is corrected and at an expense to me. I am being held accountable for NOTHING I did wrong and at a time that I need this to report correctly.
Product: Checking or savings account

I opened my Upgrade checking account on XX/XX/XXXX. In XX/XX/XXXX, they froze my account and would not allow any checking transactions or debit transactions. I completed a verification call with Upgrade to verify ownership of two linked external banks in XXXX and XX/XX/XXXX. Since then, Upgrade has not communicated the status of my checking account, and the account is frozen. I've contacted the company in XXXX, XXXX, XX/XX/XXXX. In XXXX, they told me that they'd finalize closing my account on XX/XX/XXXX. In XXXX, they said the account was still 'in review '. I called again in XX/XX/XXXX and they still show the account as 'in review. I have {$4500.00} in this checking account and can not access it. 8 months is a long time to hold my funds without communicating the status of my account to me. I would like to have my account closed and my funds returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and i am trying to have items removed from my credit report that do not belong to me. Every year i am required by the IRS to file my taxes with a security code due to this issue. There were tax refunds issued out to certain individuals under my name which the IRS themselves made me aware of. I sent a the items that i want disputed including a legal letter from FTC to all 3 credit bureaus. Experian is stating that they did not recieve it however i have proof that the certified package was indeed recieved and signed for by their organization. It has been over a month and i havent gotten any feedback or resolutions to these items. These items are causing my credit score to drop drastically and has been the reason for me not to qualify for a home ro certain job opportunities. I need these items removed immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 a FRAUDULENT purchase came through on my cash App account. 
Ok did not make this purchase for {$56.00}. 
I immediately advised cash app about this transaction. They refused to cancel the transaction. This transaction was {$160.00} but cash app states they declined the purchase however this purchase withdrew all the funds I had on the card which was {$56.00}. 
Cash app told me they opened a claim for this transaction but they did not provide credit to extend their investigation past 10 days and they refuse to provide me any documentation or information regarding my claim. And I don't know if the claim is still even open. It's been XXXX weeks and my money has not been returned.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries listed on my credit report. Upon reviewing my report, I found the following entries that I did not authorize : 1. Inquiry : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX 2. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX 3. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX 4. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX I want to bring to your attention that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies may only furnish consumer reports for permissible purposes. Since I did not authorize these inquiries, they violate my rights under the FCRA.

Please conduct a thorough investigation into this matter and remove these unauthorized inquiries from my credit report immediately. I would appreciate written confirmation of the results of your investigation and an updated copy of my credit report reflecting the removal of these inquiries.
Product: Debt collection

The debt that this company has sent to collections was paid by my insurance company ( XXXX ). Below is a letter I am sending to them detailing the actions I am taking. I have contacted them dozens of times with no resolution. They have sent my account to collections and have refused to retract it. I am at my wits end and will be initiating legal action if they persist in tearing up my credit. 

XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL. XXXX RE : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim that I owe {$1900.00} for dates of service XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have spoke with your agents several times about this issue. XXXX has claimed that they have paid these accounts in full. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation : that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I do not owe, is a violation of the FCRA & FDCPA : therefore if you can not validate this debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for Defamation Violation of the Fail Debt Collection Practices Act ( Including but not limited to section 807 8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623 b ) Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

At the request of a horse owner, I called the  XXXX  out to a barn where I was assisting. I signed a form confirming that services were performed for the owner 's horse. I have never had an account with this provider, but the horse owner did. I have asked numerous times for them to show some proof that I am responsible for this debt, and never get a response. Obviously because I have never signed a contract with them or had an account with them. I want this removed from my credit report as it is not, nor has it ever been my responsibility. I did not own the horse, and was simply doing a favor for the owner. I can not get any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 these 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 XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}.
Product: Mortgage

I have XXXX mortgage loans with Nationstar Mortgage. XXXX of the loans was paid in full because I sold the home. Nationstar Mortgage withdrew a XXXX payment from my bank account for the property that was already paid off from my bank account. Therefore my primary residence loan that I have with them was unable to be paid because of insufficient funds in my bank account. I contacted them as soon as I realized what happened. I spoke to several representatives regarding this issue. I was transeferred to a manager and she said they would send a check to me. After 2 weeks i contacted the manager and she said they would transfer the funds to my primary mortgage. I received a letter stating that my loan was 35 days past due and was going to be sent to the credit bureau. 3 weeks later and I just received a check from them and it is short {$1000.00} from the payment they withdrew from the account. I have been unable to get into contact with the manager at this time to see why the account is short. I would like to get the remaining balance of {$1000.00}. I need this to pay my mortgage. I do not want my credit to be affected by their discrepency. I have phone records and emails that show how many times i tried contacting them regarding this issue. 

Please contact me regarding this issue ASAP. I can not afford to have a delinquent payment on my credit. 

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

In accordance with the Fair Credit Reporting act XXXX ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX  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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$160.00} XXXX XXXX Balance : {$32.00}
Product: Debt collection

I have asked First Fed Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Payday loan, title loan, or personal loan

On XX/XX/2016 NetCredit allowed someone to fraudulently apply and receive a loan in my name in the amount of {$5800.00}. When I found out about the loan I called the company and informed them as well as filled a police report. I have filed a Identity Theft Report with the Federal Trade Commission and reported it to the credit bureau 's. Netcredit would not do anything about the fraudulent charges and has since sold the debt, which was still in my name to other debt collectors.