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

I made a dispute with Equifax and XXXX XXXX regarding having two open mortgages on my report for the same home loan. My loan was transferred from XXXX XXXX XXXX to XXXX XXXX in XXXX of 2017. I have made numerous attempts to dispute this item and the status remains the same when the account has been closed/transferred and there 's no outstanding balance with XXXX, or its other subsidiaries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX  without any success and still this 30-day late notice is a huge negative placement on my record.

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX XXXX, and Experian requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1800.00} began reporting on my credit report on XXXX XXXX, 2013. Despite constantly disputing this debt with TransUnion, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active loan with GM Financial that began in XX/XX/2016. I filed bankruptcy but had this loan excluded from the bankruptcy and made/making all payments. Court papers were filed and are on file with GM Financial that this loan was excluded and remains active. 
I spoke on the phone with a customer service rep who acknowledged that GM Financial had the court information. 
GM Financial continues to report that the loan is in bankruptcy, reports late payments, and won't provide monthly statements.
Product: Credit reporting or other personal consumer reports

CFPB This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/2024, XXXX XXXX XX/XX/2024. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I applied for a mortgage with Academy Mortgage in XXXX 2015 in the State of XXXX as a first time homebuyer. I was given a good faith estimate along with my loan application which included loan origination fees and an estimate of all the fees and funds that I should anticipate to cover upon closing. The last communication I received from my loan officer, XXXX XXXX, was in XXXX when she verified that she had all of the documents required for underwriting and gave me an estimated cash to close which was around {$24000.00}. My original closing date was scheduled for XXXX XXXX, 2015. My closing was delayed until XXXX XXXX, 2015 and it was n't until XXXX XXXX that I received any additional communication from Academy Mortgage. A different loan officer/loan processor, XXXX XXXX, from XXXX contacted me and started requesting essentially all of the same documents which I had already provided to XXXX XXXX in the month of XXXX. On XXXX XXXX, 2015, I was given notice after inquiring with XXXX XXXX that my cash to close had increased by approximately {$2000.00} dollars with no real explanation as to the difference from my original GFE. I was told that she was assigned to close my file and was merely doing her job as a processor of my loan. The morning of the closing, XXXX XXXX, 2015 I finally received the HUD-1 which detailed how my loan origination fee increased and my tax escrow increased from XXXX months escrow to XXXX months escrow. This increased my amount to close by another {$500.00} dollars the morning of the closing. At the closing in the afternoon, the HUD-1 presented at the table showed another increase of an additional {$1000.00} required of the buyer to close due to a processing error. I later found out that Academy Mortgage broke apart early XXXX and all of the loans processed in XXXX by my original loan officer, XXXX XXXX, and sent up to the XXXX office of Academy Mortgage to be closed. I was not given any notice, I was left in the dark and ultimately had to place my household in financial distress in order to close on this home a few days later. According to my contract I had to either come up with the additional loan funds or risk default on the contract and forfeiture of my security deposit of {$10000.00}. Academy. My loan processor did not work on the day of either of the closings ( XXXX XXXX or XXXX XXXX ) and since I went from having a local officer to having an offer in XXXX, I had no representation from the mortgage company at the closing table and all concerns that were raised related to the mortgage were left unanswered. Mortgage was very unprofessional and unethical in the manner in which they handled me and made the home buying process very XXXX for me and my family. Our attorney estimates that Academy Mortgage held in excess of {$4000.00} of property tax escrow that is not required by the State of XXXX for home loans. This money in addition to the added loan origination fees took away my ability to buy things for my new home and pay for various utility connections after closing.
Product: Debt collection

On XX/XX/2021, I sent in a request for validation to said Company AMERI COLLECT. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Product: Debt collection

I have an unverified account from MEADE & ASSOC. I had previously disputed this account. I have never done business with MEADE & ASSOC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card or prepaid card

I received my Credit card statement from BarClay Credit with the following information : Ending balance as of XXXX : $ XXXX/received payment on XXXX of {$210.00}. The remaining balance is noted as {$7100.00}. My Interest rate is 24.40 % APR. Based on Barclay customer service agent on XXXX phone call, the formula to calculate how much interest is due for the next bill would be {$7100.00} x 0.2124 =1525.58424 which then is divided by 365 days ( 4.17968285 ) and multiplied by 30 days in the current cycle bill for a total of 125.39 ( interest ), however my bill notes my statement notes they are calculating the interest of {$7400.00}. I asked where they got the XXXX from as this number does not match my previous ending balance or my current balance. The customer service agent noted they round up in their calculations, however I went step by step and asked him to tell me where they rounded up so I could add this my calculations. The customer service agent could not provide an accurate response and he himself could not explain why where the {$7400.00} amount was derived to calculate by interest rate. This amount is even higher than my ending balance on XXXX or my balance after my payment. I have not paid a single purchase during the period of time.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made an online payment through E-Bill - PNC Banks Cash Insight for business : XXXX XXXX XXXX XXXX. The money was withdrawn from my XXXX XXXX XXXX checking account successfully on XX/XX/year>. 

The owner of XXXX XXXX XXXX XXXX contacted me to tell me that PNC Bank told her that the money was never received and it was rejected back to her. PNC Bank told her that I needed to call my bank to resolve. 

I contacted XXXXXXXX XXXX, who advised that the money was sent, they provided the following trace # s : XXXX And XXXX XXXXXXXX XXXX  could not dispute the transaction, and stated that PNC Bank would have to fix the problem. I keep getting the run around for this transaction. The money was sent to XXXX XXXX XXXX XXXX, - PNC Bank.
Product: Debt collection

Im writing to report abuse of power this company has called and threatened me about amounts that I do no owe this company. They have called my family members and call me names very rude company, I have never signed any form of contract with this company at this point its harassment which I will be seeking compensation for if the harassment doesnt stop. I want this account removed immediately from my credit report. According to law 605 ( b ) fcra states it is illegal to report information on my credit report without my permission. As well as pursuant to 15 USC 1692g. FDCPA 15usc169 ( e ) 807 ( 8 ). I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF T MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this XXXX  is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer. This alleged debt is not mine and I have never signed any contract with company. This has caused so much anxiety that I will be taking this to a lawyer for damages, According to law.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights 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: Debt collection

Was contacted by XXXX XXXX and some other man named something XXXX, they threatened me with jail time, told me I needed to adjust a payment within the next two hours or authorities will be sent to my house. Me being scared, I immediately set up a payment plan. I later found out that their whole entire process was illegal and that it could not take affect to my credit. They also broke their own contract towards these new payments by refunding me my money in order for me to take my complaint off XXXX. This needs to be removed from my credit score for unlawful actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Last Name : XXXX Address : USA Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Affected by the Crime XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX Page 1 of 2 Company or Organization : Total fraudulent amount : {$0.00} Other Identity Theft Fraudulent Information on Credit Reports Credit Inquiries Discover Fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Page 2 of 2
Product: Debt collection

On XX/XX/2017 XXXX XXXX XXXX sued me in the amount of XXXXThey sent the paperwork to a home in Indiana and I never received noticed found out through my credit report that they sold the debt to KLS Financial and they are reporting {$28000.00} on my report but the original balance is {$21000.00} and the balance goes up every month. On the law suit paperwork original balance is XXXX XXXXXXXX.I 've never signed any paperwork giving KLS Financial any permission to place anything on my credit nor have I ever shared any personal information to this company. Ive reached out to the KLS debt collector requesting information regarding the account and matter and they never sent over anything. I reached out to XXXX XXXX and they were extremely rude and wouldnt tell me anything. This has affected me and my family from purchasing a home and it has really taken a toll on me trying to get credit due to this.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

WESTLAKE FIN XXXX Date Opened : XX/XX/2015 Balance : {$9100.00}
Product: Checking or savings account

XXXX  is holding my refund hostage, and my bank closed my claim even though I supplied them with an incredible amount of evidence because " too much time has gone by since I've opened the claim '' Mind you, I have been dealing with this since XXXX ( so 7+ months ), and have called XXXX and Chase Bank at least once a week since then and have been going around in circles. So yes, a lot of time has gone by..too much time for anyone to have to go through this. I feel as though I have been treated inhumanely and have broke down several times over this. I am at a loss, I don't know what to do, all I want is my refund. Chase Bank told me that " there was nothing they could do. '' I was a wreck after being told that, I feel as though I am being tortured for something that isn't even my fault.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, and Account Name : XXXX XXXX  Account # 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.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with US Bank and the vehicle was totaled back XXXX. XXXX XXXX issued a check for {$29000.00} to US Bank on XX/XX/2019, so I thought the loan had been paid off. In late XXXX I receive a statement from USB that my payment was late. I contacted USB and was told they never received the payment. I called XXXX and they cancelled the first check and sent another one. In XXXX I receive a statement showing the loan still outstanding and now I owed 2 month of payments. They also reported me 60 days late with the bureaus. This time I called XXXX first. They contacted USB and was told the 2nd check was never received. I called USB to inquire on why they keep losing the checks. I was told that the check had to go to the loss claim department so I let XXXX know and they issued a 3rd check on XX/XX/2019. They told XXXX that they would reduce the loan to the original payoff and report to the bureaus to correct my payment history to not reflect the late payment. I received a notice from USB on XX/XX/XXXX that they reported me late to the bureaus again. I decided to dispute with the bureaus and just learned that USB claimed the payment history is correct. None of this was my fault and they have hit my credit score by about 100 points  and I'm furious about it. US Bank is run by incompetents!
Product: Vehicle loan or lease

I was sold a powertrain warranty on a XXXX that had after market tires on it when I purchased the vehicle. My XXXX  is in the shop because of powertrain malfunction and half of the work was approved and performed prior to the inspector coming out for the claim when they found more wrong with the engine. The inspector denied my entire claim because of the modified tires that were sold to me with the warranty. The dealership I purchased the vehicle through did not mark the lift kit box when sent in to warranty company and on the warranty it says will not honor if modified before, after, or during sale. They sold me a modified vehicle with a bogus warranty added it to my loan and charged interest. My XXXX  is now stuck in the shop with XXXX worth of work. I denied the heater core work that needs to be fixed as well that is XXXX to fix. I took it first to the shop the dealership told me to always take it to 3 times and they told me nothing was wrong with my XXXX  after they installed my radiator incorrectly. I got a second opinion and multiple things were wrong. I was paying out of pocket for half of the work and the warranty was going to cover the rest. Now it is still in the shop while I come up with XXXX more after paying XXXX at the recommended shop who most likely knew my warranty was not any good being in cohorts with the dealership and their warrantys.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX XXXX  Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided.

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off.

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the Dodd-Frank Act, 12 U.S.C. 5531.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXXXXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.