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

Its absolutely ridiculous that this issue is still unresolved. Ive been trying to get these pending litigation accounts removed from my credit report for months. Ive contacted you more times than I can count, and each time, Im left without a solution. These accounts are completely inaccurate and damaging my credit score, and Im done waiting for someone to fix this.
Product: Mortgage

Just want to document with you, bring to your awareness... frequency of PROBLEMS associated with Nation Star Mortgage dba MR Cooper 's online difficulties, since their security breach of 2023. 

This morning, XXXX, I went through all the normal steps to enter my payment info -- only to be met with a 'problem ' AFTER submitting the payment info. AND after initiating this complaint, I received an email, with a confirmation number, that my payment was processed and scheduled for payment with my bank. 

This firm has a history of complaints, and I have refrained from adding to it, until now! They post too many crooked schemes, and UNWANTED 'offers ' all over their website -- MORE THAN NECESSARY to conduct fair practice business, ( in my humble opinion ). 

Frankly, I don't require a mortgage servicer, and would love the option to 'opt-out ', and conduct my own affairs!
Product: Credit reporting or other personal consumer reports

I have an accumulation of 14 credit inquiries that I didn't authorize, I have been traveling and living abroad on and off for the last 10 years.
Product: Debt or credit management

Freedom Debt Relief ( FDR ) is a debt settlement company that has been handling my debt settlements since the summer of XXXX. During that time, they have settled more than {$100000.00} in accounts on my behalf. However, I discovered numerous problems with those settlements and terminated the agreement with FDR. 

On XX/XX/XXXX, XXXX represented that they had settled a debt on my behalf originally owed to XXXX XXXX XXXX  ( Account XXXX ) and subsequently sold to XXXX XXXX XXXX FDR provided me with a settlement letter detailing a payment plan to settle the debt in full, referencing XXXX as the owner of the debt from XXXX. I funded my account with FDR to cover this settlement amount. 

However, upon inquiring with XXXX for debt validation under 15 U.S. Code 1692g ( b ), I was informed that they have no record of the referenced debt and categorically stated that they do not sell or transfer debts to third parties, including XXXX. This discrepancy indicates that FDR has structured a settlement with an entity that does not hold the debt, which raises serious concerns about the validity of the settlement and the payments made under it. XXXX said on XX/XX/XXXX in Response to CFPB Complaint XXXX : " Our records do not reflect any current orprevious accounts ending in XXXX, nor do we transfer or sell our accounts to external banks. Therefore, we are unable to substantiate your claim that we previously held an account ending in XXXX. '' See CFPB Complaint XXXX. 

According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must cease collection efforts until they have validated the debt. Moreover, no law or principle would allow a company like FDR to enter into settlements for debts that are claimed to be sold to a third party ( e.g., XXXX ) if the bank has a practice of not selling debt ( e.g., XXXX ). 

I demand that FDR provide evidence of how they concluded that XXXX  owns the debt originally owed to XXXX and validate that the payments made towards this debt settlement are legitimate and correctly applied. FDRs potential misrepresentation and failure to verify the validity of the debt settlement raise issues of compliance with both federal and state debt collection laws, including the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ) and the California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ). 

I have multiple complaints with FDR. This arises from one of the debts that FDR settled on my behalf, which XXXX, the original creditor, denies having sold. The information from XXXX that they do not sell debt is new ( because of XXXXXXXX XXXX Response today ), and the questions here are also new. Please treat this as a separate complaint for response.
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a source of great distress. I'm extremely concerned about its effects on my credit standing. It has already led to the rejection of a recent loan application and higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until this matter is resolved.
Product: Vehicle loan or lease

When the vehicle was purchased, we were not clear as to how "simple interest" would be calculated.  We are paying 22% interest in a vehicle that should be more than half way paid off by now.  We have made 72 payments of XXXX on the initial purchase of $XXXX.  We were told that $XXXX  of each payment went to the principal balance.  That would leave a balance of around $XXXX remaining.  However, the payoff for the loan is $XXXX    That's a difference of about $XXXXWhen we purchased the vehicle this was not explained to us.  It is a fraud to tell people that they are paying money toward the principal and then not apply the funds to that balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information, account not mine
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion/ XXXX  Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I have an account with XXXX that has now been closed for over 2 years. Ive attempted to contact XXXX and pay the outstanding balance, to no avail I was told that the account was moved to collections. So I contacted the collection agencys phone number XXXX once I got ahold of a rep for this agency I was told that the account is so old that I can not pay the balance and he can not help me pay off the XXXX $ balance. After that I filed a dispute with XXXX  and they did nothing to help my report or the situation. Ive tired every route.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax initially some time in XXXX, advising that I did not recall opening an account with XXXX/XXXX XXXX which is listed on my credit report. I received a notice advising that the account was accurate. In XX/XX/XXXX, I sent another letter requesting information regarding this validation that was done. In response, Equifax sent me a letter stating that the account was investigated and proven accurate. Shortly after that, I received another notice stating the account was listed as " not specified '' That's not what I asked for. The creditor in questions is currently being sued by my state attorney generals office for predatory business practices. As requested, I need the physical proof that I had business with the company.
Product: Mortgage

I recently refinanced with Loan Depot in XX/XX/2020. Loan Depot was supposed to deposit {$6900.00} into my escrow account upon closing. That didn't happen. Instead they only deposited {$520.00} into my escrow account. That means my escrow account is {$6300.00} short. Loan Depot is well aware that they owe this money to me because I have brought this error to their attention a multitude of times over the last 2 months or so. They have acknowledged the error. Nevertheless Loan Depot has continued to ignore their obligations under this mortgage agreement. They still have not deposited my money into my escrow account.
Product: Credit reporting or other personal consumer reports

I noticed that some of my personal details on my credit report are incorrect, and I suspect it might be due to a clerical mistake.
Product: Credit card or prepaid card

Capital One provides virtual credit card numbers so that the customer doesn't need to use their actual credit card account number when making online purchases. This enhances security and the service is called eno. 

On XX/XX/2018 I attempted to make two online purchases using eno numbers and they were declined on the merchant websites. I was able to make those purchases immediately afterwards using my actual credit card account number. This negates the benefit of eno and exposes me to an increased risk of fraud and is reckless behavior on the part of Capital One. 

I spent over an hour on multiple phone calls with Capital One, yet their representatives were unable to tell me why those two specific transactions were declined. I requested a call back from a manager but never received one. 

Obviously Capital One is recklessly disregarding customer concerns and should be penalized in some way.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX ( XXXX  ) XXXX. However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX  XXXX XXXX ( XXXX ), XXXX. legal counsels, and was fighting the cases. Then the courts were shut down inXX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. 
A few days ago ; the collections agencies made new reportings to XXXX   about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX SC XXXX lawsuit ; Pollack & Rosen , P.A . brought this old credit card from XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. ; They are a debt collections agency that buys old charge-off debt from major companies then sues the debtor by pretending to be the original creditor. ( see attachments )
Product: Credit reporting

XXXX XXXX XXXX erroneously reports the payment made in the last month reported on the credit hx was late. We traded this vehicle in on another in XXXX 2012 & payment was current. The car dealer sent the payoff for this vehicle LATE to XXXX XXXX XXXX. XXXX XXXX check records for date of vehicle trade, refinance of new vehicle versus date the dealer sent the payoff in, & confirm payment was late as a result of the dealership handling & not the customer. Our payments were on time. I received late notices from XXXX XXXX & contacted them at least 2 times as well as XXXX of XXXX requesting they get this taken care of because I do not like being accused of being late when I am not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate XXXX times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my XXXX  to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( XXXX, experian, and XXXX ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the XXXX data breach as well. THIS IS RIDICULOUS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported : XXXX. Balance {$250.00} XXXX XXXX XXXXXXXX XXXX Reported XXXX. Balance {$700.00} XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Reported : XXXX. Balance {$3100.00} 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian Company does not appear to have an accessable online customer service center or link to one. 
I could not reply to a false statement on their website about the status of My credit usage. 
My credit usage is XXXX because I am not employed at present. 
Yet the statement on the Experian website " says '' My usage is 395 % " and '' maybe I should apply for more credit. Which would be an obvious fraudulent approach.
Product: Student loan

My personal and financial information was compromised without my authorization.

The Family Education Rights and privacy Act ( FERPA ) protects the confidentiality of my student records. This breach is a clear violation of FERPA and your responsibility safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX  have overused their assumed position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.
Product: Checking or savings account

near the end of XXXX ( unsure exact date ) I got an email saying Wells Fargo updated my phone number. As I did not do this, I called them on XX/XX/2022 was told a checking account had been opened in my name, I also did not do that, so I requested it be closed. I was told that I would be getting a fraud from to fill out, never did get said form. 

Now, XXXX weeks later, I get a statement for this fraudulent account ( thankfully a zero balance ) and this lady on the phone today says it will be another 30-45 days to close account. 

Tired of the games they are playing, so I told them I was forwarding the matter to you since it seems Wells Fargo likes to play games copy of statement from fraudulent account attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX   XXXX - partial account number XXXX. ( Please see page 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Debt collection

I live in the country of XXXX for the last five years and I have XXXX cel phone bills on my credit report XXXX has no us cel phone co
Product: Student loan

Im on the SAVE plan. In XXXX I was told that my loans would be in forbearance and no interest would be accruing. Today I got a letter that my loans were accruing interest but in that letter it reflected my interest rates as XXXX XXXX.
Product: Student loan

The information on this website is misleading. 
https : //www.navient.com/loan-customers/interest-and-taxes/how-to-calculate-your-interest/ # Your current principal balance The number of days since your last payment Interest rate factor = interest rate 365.25 ( number of days in a year ) = Your daily interest rate It should read ( Interest rate / 365.25 ) x current principal balance = your daily interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit Reporting act, my rights have been violated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have 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 permission.

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent 2 hours on the phone with a FTC help desk agent today who confirmed the reporting for FTC theft reports are broken after realizing if a customer statement is lengthy and or has tax fraud that the formatting is spreading across pages. They included notes on the internal system but would not contact the credit bureaus to validate the reports and said it could be 60 days or more for a correction and theres nothing they can do for me and that the credit bureaus can check their internal system for the validation or call the help desk number. 

Credit bureaus ( XXXX  and Transunion XXXX will not accept mine or my husband XXXX XXXX FTC Theft report for identity theft rights to enact FCRA XXXX blocking. They are stating they are fake because the formatting is wrong. Ive talked to them, uploaded and received the same response multiple times that they wont accept it even though Ive told them its coming straight from the FTC website. I uploaded the information to verify the reports with the FTC and they said they dont and wont do anything like that and Ill just have to wait. 

The two will not communicate with each other to allow me and my husband to enact our FCRA 605 rights and have just disputed the items instead of blocking. We cant get an auto loan because of these fraud accounts being listed and not removed and Ive been working on this for a month. Please, please help.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681eb I reviewed my consumer reports and noticed that I have late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never late on payments for the accounts that I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late and this account is paid in full. This company is not reporting my payments and have inaccurate dates and inaccurate reporting across the board. Please see screenshots attached :