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

There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

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

On all three of my credit reports, it shows incorrect name, address, and phone. I have tried to correct the information with each of the credit reporting agencies, and they refuse to make the correction. My credit has been severely damaged by information that does not belong to me or has my correct name. I have also been denied new credit and turned away from a job because of this false information. I am at the end of my rope and thought the best thing to do is to come to your agency for help. I am asking for assistance in forcing the agencies, Equifax, XXXX XXXX, and XXXX to immediately correct this information so that my credit score can be greatly improved.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$640.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. 

According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. 

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. 

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. 

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Mortgage

I am seeking your help to resolve my problem with Seterus Inc before my home goes into foreclosure. 

In XX/XX/2018, I made my mortgage payment of {$1100.00}. Unfortunately, my account was {$11.00} short and my mortgage payment was returned to Seterus for insufficient funds. 

I have made deposits into our XXXX XXXX account, to cover my mortgage payment of {$1100.00}. Seterus Inc has been refusing my payment via online and insisting that I must go to a XXXX XXXX or mail my payment via money order. 

In order for me to accommodate this payment method, I would need to take a day off from work, or go into work late which will cause me a penalty on my job. 
When I inquired to Seterus Inc. why are they refusing my on-line payment, I was told that I had four returned payments for insufficient funds in the past year. This is absolutely untrue.

Seterus Inc. is forcing me to go into foreclosure, by refusing my payment. I am seeking your intervention before my home goes into foreclosure. I can not afford to take a day off from work every month to make my mortgage payment.

I am currently working seven days per week, not only to accommodate my needs but the needs of my family members who are living in XXXX, who depends on my check each month to buy their food. Nothing that I expect Seterus to understand, as they have no idea what it is like to be in need.

Please, I am asking you to stop Seterus Inc. from forcing our homes into foreclosure. They are tyrants who have no care for us, other than to abuse their power, leaving homeowners homeless. 

Respectfully, XXXX XXXX
Product: Mortgage

ON XX/XX/XXXX WE VACATED A PROPERTY LOCATED AT XXXX XXXX XXXX XXXX IN XXXX XXXX NJ. ON THIS DATE IT WAS INSPECTED AND PHOTOGRAPHED AND MET WITH THE STANDARDS OF XXXX FOR A DEED IN LIEU. 
THE SERVICER WAS SETARUS AND THE RELOCATION AMOUNT WAS XXXX. 
THIS WAS THE AMOUNT OFFERED AS THE PROPERTY WAS LOCATED IN NJ AND WAS CONSIDERED A HARDEST HIT STATE. THE FINAL TRANSFER PAPERWORK WAS EXECUTED ON XX/XX/XXXX. WE WERE SUPPOSED TO RECEIVE THE XXXX CHECK WITHIN 30 DAYS. TODAY IS XX/XX/XXXX WE STILL HAVE NOT RECEIVED THE CHECK. I CALLED SETARUS TODAY AND WAS TOLD THEY MAILED A CHECK FOR XXXX YESTERDAY. WE WERE PROMISED XXXX NOT XXXX. I FEEL SETERUS DEFRAUDED US OUT OF XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, Experian and XXXX credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Product: Student loan

I have requested a refund of all payments made during the COVID-19 pandemic forbearance. Thus far, I have received a small portion of payments made. 
I have multiple attempts to contact MOHELA regarding this. I am unable to get ahold of anyone my telephone and have received no response through the web messenger. 
The only response I have received is that XXXX XXXX has to process the request as my account was transferred from them. I have contacted XXXX XXXX and they have said that all inquiries must be directed to you. 
I am again requesting a full refund of all payments made to both MOHELA and XXXX XXXX during the COVID-19 pandemic forbearance. Respectfully, I demand that MOHELA fulfills its new responsibilities as the servicer of this loan, and properly coordinates with XXXX XXXX to expeditiously facilitate the processing of this request as soon as possible.
Product: Vehicle loan or lease

I purchased my car at the end of my lease from Toyota Financial Services. I financed through my bank XXXX. The check for the amount of the car was sent to them and cashed closing the account, but there was an error on XXXX 's part sending the sales tax amount. Toyota Financial reported to the credit bureaus that I had not made my car payment which was not true. This dropped my credit score over 30 points.
Product: Debt collection

Before XX/XX/XXXX I tried to communicate with this company multiple times and ask them to send me a bill for the " XXXX '' They have failed numerous times, and I have asked them for a bill sent in email, mail, or access to an online account to verify this information. 
Nothing has been done. This has been going on for XXXX months now, and they are not able to provide me with a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc or FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fcra violations names are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.
Product: Debt collection

I have requested several times that this debt be validated the information that was sent to me was not proper validation. There is no contract that I ever signed with XXXX XXXX XXXX.I was notified today that this account has been closed but in my correspondence I asked that this be removed from my credit file.
Product: Mortgage

I have achieved 80 % LTV on my primary residence base don the valuation at the time I purchased/financed it in 2010. My mortgage servicer, Wells Fargo, notified me as required by law, that I have options for dropping my PMI insurance. It is my desire to have my property re-appraised to demonstrate it has appreciated in value so I can immediately drop PMI. 

Unfortunately, despite having followed the directions provided in the letter to contact and schedule the appraisal with the " Wells Fargo PMI department. '' Despite numerous attempts, I have not been able to reach the PMI I have called Wells several times and each time they either claim that the PMI department is unavailable. On my last call about 2 weeks ago, they finally said they would notify the PMI department of my intentions and someone would call me back. 

I have not heard back from them. At this point I assume they are incompetent, indifferent or crooks trying to minimize their risk at my expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed bankruptcy on XX/XX/XXXX and all of our debts were discharged. Citibank is reporting that my account is late every month to the credit bureaus and is ruining my credit score. They started doing this in XXXX of XXXX and have been reporting it late every month yet my balance is showing that {$0.00} is owed. This debt was discharged along with the others. I called them but they couldn't even find the account and said it was probably sold to a collection agency yet I haven't got a single phone call or letter from any collection agency. I would love to get this removed from my credit report because it is making me pay more in finance charges by lowering my credit scorXXXX. Any help you could give me would be appreciated! Thank you!
Product: Debt collection

In XXXX of XXXX, I signed a lease agreement with XXXX XXXX XXXX XXXX. This is an off campus apartment complex for college students who attend XXXX XXXX XXXX. When I signed this lease, I fully anticipated to be living there for the full term of the lease which was from XXXX XXXX XX/XX/XXXX. However, as you may know, there was a world wide pandemic that arose rapidly and was the cause of many deaths globally. This pandemic not only caused many deaths, but it also was the reason for world-wide shut-downs, unemployment, evictions, etc. With this disease widely threatening the population of the globe, XXXX took initiative to continue classes fully remote and shut down the in-person functions of the school. When I was aware of the university 's decision, I immediately contacted the leasing office and was told that there would be accommodations made for students who had signed this deceitful lease agreement. Months after speaking to one of the office managers over the phone, I followed up with the management again and had no luck in reaching anyone to answer my questions about the pandemic. When I was finally contacted, I was told that I would be responsible for the full amount of the lease. I found this to be extremely unjust, but was willing to negotiate with this apartment complex in order to fulfill the terms of the lease. I offered to pay up to 6 months rent in order to break the contract, and even offered to postpone my move in date until the school resumed in-person classes ; they did not accept any if these options. Recently, the apartment office sold the debt to PROCOLLECT. Upon receiving the notice of this transaction, I quickly disputed it as it was stated to do so if I disagreed with the debt in the collections notice letter. However, instead of conducting an investigation, the debt collectors reported it to the credit bureaus and it has severely impacted my credit score. I have disputed this collections account on all impacted credit bureaus and XXXX still finds this debt to be valid while XXXX has completely removed this report. I have contacted a lawyer and am in the process of sending PROCOLLECT and The ONE a demand letter to have this debt removed, or to come to some sort of agreement in order to remove this report from my credit history. The pandemic was an act of XXXX, or vis majeure clause, and could not have been predicted. This clause explains that in the events that are beyond the control of the party invoking the clause cause performance to become impossible or impractical or otherwise frustrates the purpose of the contract. In addition, PRO COLLECT violated the The Fair Credit Reporting Act, 15 U.S.C. 1681 by failing to handle the dispute I submitted in a timely manner. Not only this, but this collections agency has failed to send notifications about my credit report. With all this given information, and the advice given to me by my lawyer, I believe that this situation should be reviewed and reported because of the violations that have occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a XXXX XXXX that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.
Product: Credit reporting or other personal consumer reports

I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I found out that the account XXXX still on my credit file which are appeared as late, the fact is, I've been paid it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned accounts are incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these accounts XXXX  XXXX Balance : {$12000.00}, and XXXX  XXXX Balance : {$12000.00} should be corrected by the 3 credit bureaus right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax because of the results of their investigation with a dispute I have with XXXX XXXX XXXX, Complaint # XXXX-XXXX. I have provide numerous documents to support my claim that XXXX XXXX is not reliable with their information. I have proved that they have told over 14 completely different versions of this debt. Despite this I get a letter from Equifax today saying they are not going to re-investigate my dispute. They know that XXXX XXXX is reporting false information. I have proved that XXXX XXXX is reporting false information. They have told XXXX, XXXX and Equifax completely different versions of this debt. XXXX XXXX told three different versions of this debt on the same day to Equifax, XXXX and XXXX. I proved this to Equifax yet they say they are not re-investigating ( See attached letter from Equifax. ) If the CFPB refuse to do anything about this my next complaint against Equifax will be with the CA Attorney Generals office because what Equifax is doing is illegal. They are knowingly allowing XXXX XXXX to report false information. I have proved beyond all doubt that XXXX XXXX is not credible yet Equifax continues to let them report their trade line on my credit report. XXXX XXXX told Equifax 6 completely different versions of this debt and yet Equifax continues to let them report their trade line on my credit report. The CFPB is also aware of this proof and they have done nothing about it. I have uploaded document after document with my complaints that prove what I say yet the CFPB has taken no action against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

TRANSUNION XXXX : XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/2023 Prestige Accounting Financial Consultants debited {$500.00} from my checking account unauthorized. They've done this to me several times and I've explicitly requested that they don't auto draft from my account and that I will make payments by contacting them instead. My updated phone number is XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I applied for XXXX balance transfer requests. The first request was balance transfer from XXXX Bank in the amount of {$750.00} to XXXX XXXX XXXXe Bank. The second was for {$320.00} from XXXX XXXX to XXXXXXXX XXXX XXXX Bank. 

On XX/XX/2023 both balance transfer amounts showed up on my XXXX XXXX ( XXXX ) so I assumed both transfers were complete. 
On Friday XX/XX/2023, I received a check in the US mail that was for XXXX Bank in the amount of {$320.00} however it used my address as their place of business ( see attached check ). At yhat point I checked my balances at XXXX and XXXX which both indicated a transfer had not occurred and I still owed them the balance transfer amounts. 
I then called XXXX and spoke to a representative and explained my confusion on receiving an invalid check and my concern for being charged on my XXXX account for transfers that they had not yet paid resulting in me now owing Mercury, XXXX, and XXXX for the same charges. She understood my concerns but stated there was nothing she could do to personally fix the problem and would have to send my concerns to the fraud section. I expressed that wasn't acceptable to me and asked to speak to her supervisor. She transferred me to XXXX, employee # XXXX. I explained the scenario and she offered a resolution that was not acceptable at first. She then cancelled the balance transfer for the check amount and said that would show up on my XXXX account XXXX to 5 days which I accepted. However, I was still concerned about the other transfer.. To the poinXXXX I do not believe it is legal or ethical to charge for XXXX to bill for a transfer that has not been completed, which has happened in both XXXX and XXXX scenarios above. The credit for check has not shown up on my account to date and I still owe XXXX, XXXX and XXXX for the charges.