23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I received an email indicating that a loan application with Spotloan using my information had been denied. 

I responded to the email that I had not applied for a loan, and was told by Spotloan that someone had done so using my information. I asked them to void the application and remove any inquiries on my credit report, but they refused to do so unless I gave them personal information and " proved '' that I did not apply for the loan. 

The company has so far refused to provide any information about the loan, and what information was used to apply for it. They have also refused to void the application, saying that unless I proved to them that I didn't apply, they will assume that I did.
Product: Bank account or service

Electronic transfer from my XXXX XXXX XXXX savings account to my Everbank checking account, executed on XXXX/XXXX/XXXX. Everbank sent me an email later that day saying the transfer had been completed. As of today XX/XX/XXXX, they still have not made this deposit of XXXX, available to me to write a check on. Now they say funds will be available XX/XX/XXXX, 6 days after the transfer date. 

This is ridiculous and abusive. Zero reason to hold normal, small US funds that long. None, except for Everbank to skim extra interest off them. It 's unlikely this is not a serial practice, affecting many or all depositors. Here is the email correspondence below - ====== -- -- -- -- -- -- -Original Message -- -- -- -- -- -- -- - From : EverBank To : XXXX Subject : Responding to Your Inquiry Date:XX/XX/XXXX Message : Dear XXXX, Thank you for your recent inquiry. Per your request, I 'm pleased to provide you with the following information. 

All funds will be available tomorrow XXXX/XXXX/XXXX. 

We know you want access to your cash, fast. To determine how quickly your funds will be available after your specific type of deposit has been made, please read the Funds Availability information, which can be found online at everbank.com/terms. 

We look forward to serving all of your financial needs, so please get in touch if you have any additional questions or need further assistance. 


GET IN TOUCH XXXX XXXXXXXXXXXX EverBank is an Equal Housing Lender, Member FDIC ( c ) XX/XX/XXXX EverBank. All rights reserved.AP -- -- -Original Message -- -- - From : XXXXXXXXXXXX XXXXXXXXXXXX Sent : Tuesday, XXXX XXXX, XXXX XXXX To : EverBank Service Requests @ Subject : Checking/Money Market/CD Question User ID : XXXX CIS Number : XXXX Branch : XXXX Account number : XXXX Deposit posted XX/XX/XXXX for XXXX Everbank sends me an email that day, " transfer completed '' No it 's not. At close of business today XX/XX/XXXX, these funds are still not available. Why? 

Transferred between banks in USA. 

- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This electronic communication and any files transmitted with it, or attached to it, are confidential and are intended solely for the use of the individual or entity to who it is addressed and may contain information that is confidential, legally privileged, protected by privacy laws, or otherwise restricted from disclosure to anyone else. If you are not the intended recipient or the person responsible for delivering the e-mail to the intended recipient, be advised that you have received this e-mail in error, and that any use, dissemination, forwarding, printing, or copying of this e-mail is strictly prohibited. If you received this e-mail in error, please return the e-mail to the sender, delete it from your computer and destroy any printed copy of it. Although our company attempts to sweep e-mail and attachments for viruses, it does not guarantee that either are virus-free and accepts no liability for any damage sustained as a result of viruses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : XXXX XXXX XXXX XXXX  XX/XX/XXXX, Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX ally financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Networks is discriminating against me because I am a XXXX XXXXn Female and not updating my " Payment Status '' on each Credit Report to show the Synchrony Account ending in XXXX was " Paid In Full '' as of XX/XX/2022, after I made the payment to XXXX, XXXX, XXXX XXXX who stated they, in turn, reported it to Synchrony Networks regarding the -XXXX  Account ending in XXXX. 

They are now making the consumer suffer with incorrect and inaccurate information showing on my Credit Reports. The Account was " Paid in Full '' for {$3100.00} which is reflecting on my Credit Reports.
Product: Debt collection

Under federal law, there are several provisions that prevent a creditor or debt collector from unfairly reporting a debt to your credit report or from continuing to report inaccurate information. Some of the key laws include : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 The FCRA regulates the accuracy and privacy of information on your credit report. Some relevant provisions include : Accuracy Requirement : Creditors and debt collectors must report accurate information. Under the FCRA, if a debt is disputed by the consumer, the reporting agency must investigate and correct any inaccuracies. 
Notification of Negative Information : If a debt is reported, the creditor or debt collector must provide timely notification. They can not report outdated debts ( e.g., debts older than seven years for most negative marks ) under the FCRAs statute of limitations.

Reinsertion of Deleted Information : If a debt was disputed and removed from your report, the creditor can not reinsert it without proper verification.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 The FDCPA protects consumers from abusive, deceptive, and unfair debt collection practices, including reporting incorrect or unverified debts to credit bureaus : Debt Validation : If a consumer disputes a debt, the debt collector must cease collection efforts, including reporting the debt, until they validate it ( within 30 days of receiving the dispute ).

No False Reporting : Debt collectors can not report a debt to the credit bureaus that they can not verify or that is invalid.

3. Credit Repair Organizations Act ( CROA ) - 15 U.S.C. 1679 While the CROA mainly targets credit repair agencies, it also reinforces the principle that false information can not be reported on your credit. If a company or individual is attempting to repair your credit by removing valid debt, they are in violation of the law. 

4. State Laws ( Varies by State ) Some states have their own consumer protection laws that offer additional safeguards against creditors and debt collectors wrongly reporting debts. These laws can provide further protections beyond what is offered federally, such as limiting the types of debts that can be reported, extending the time frame for reporting, or requiring more stringent verification practices.

Key Points to Keep in Mind : Debt Validation : A creditor or debt collector can not add a debt to your credit report if they can not validate it upon request. 
Time Limits : Debts can not remain on your credit report indefinitely. Most negative information must be removed after seven years, including late payments and collections.

Disputed Debts : If you dispute a debt, it should not be reported as valid unless the creditor can verify it. This includes ensuring they provide the correct documentation to support their claim.

If a creditor violates these laws, you have the right to dispute the debt with the credit bureaus, seek damages, or even file a complaint with the Consumer Financial Protection Bureau ( CFPB ). The creditor didnt follow none of these steps
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I am 100 percent sure I paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/23. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting

I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. XXXX, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting to my XXXX credit report. The bankruptcy is not showing on XXXX or XXXX. My name is also spelled wrong with the bankruptcy reporting to my credit report I have also reached out to the courts filed disputes and reached out to lexis nexis they also are stating I do not have any public records.
Product: Prepaid card

Tried to use the card XXXX insurance online for the exact amount, and it was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$1700.00} XXXX XXXX {$54.00} XXXX   XXXX {$98.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$210.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1400.00} XXXX XXXX {$450.00} XXXX XXXX {$710.00} XXXX XXXX {$120.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} DEPTEDXXXX   XXXX {$5500.00}
Product: Credit reporting or other personal consumer reports

**Subject : Violation of Federally Protected Consumer Rights Under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) ** To Whom It May Concern, I am writing to formally notify you that the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : - ** XXXX Department of revenue** : Account Number XXXX - *XXXX XXXX : Account Number XXXX - **IXXXX XXXX XXXX XXXX** : Account Number XXXX - **XXXX XXXX** : Account Number XXXX According to 15 U.S.C. 1681, Section 602 ( a ), I have the right to privacy. Further, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include in a consumer report any adverse item of information, other than records of convictions of crimes, that predates the report by more than seven years.

Finally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is prohibited for any person to furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I request that you immediately investigate this matter and take appropriate corrective action. Please provide me with written confirmation of your actions within 30 days of the date of this letter. If these violations are not promptly resolved, I will consider further legal action to protect my rights.

Thank you for your prompt attention to this matter.
Product: Debt collection

Starting XX/XX/XXXX XXXX started charging me XXXX XXXXXXXXmonth despite the fact that original bill that was promised to me at the time of opening the contract was {$170.00}. On XXXX XX/XX/XXXX I went to the store location listed above. The representative named XXXX called a customer service in front of me, applied a discount and said it going to be fixed and starting next month it should be lowered to {$150.00} till the end of the contract. They charged me this amount only once on XX/XX/XXXX and then it went back to {$280.00}. I filed a complaint with the Federal Communications Commission on XX/XX/XXXX and shortly after I received a call from XXXX representative saying that XXXX is not responsible for the misleading information provided by the store employee and they're going to continue charging the same amount that I'm disputing. I have cancelled my service with XXXX XXXX and switched to another provider. Today on XX/XX/XXXX I received a phone call from someone claiming to be XXXX, saying that I owe {$2300.00} and they want to settle it down to {$1800.00}. After I made a payment I saw on the receipt that this was a Amsher Collection service and wasn't notified of that.
Product: Debt collection

Midland Funding LLC listed inaccurate information on XXXX credit records stating an account was opened XX/XX/2013 which I did not and there is no record. Any account I would have opened is past statutes. I have requested in writing documentation of debt which I did not receive. In addition, it listed the debt on XXXX under the name XXXX XXXX XXXX using Midland Funding physical address in XXXX XXXX, which is hardly the banks location. On XXXX they list themselves as a Factoring Company. I believe these are unfair practices under the FCRA and FDCPA. Is Midland Funding a bank, a collection agency or a factoring company?
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024 I reached out to dispute the info to make the credit bureaus aware of balances that were incorrectly showing I am accruing interest on my XXXX  loan accounts in addition to erroneous late payments on my XXXX XXXX XXXX account. I submitted proof of the payments made via XXXX XXXX for my XXXX XXXX XXXX account, and cited the fact that I can not accrue interest while in school for my XXXX  loans. 

The credit bureaus proceeded to update very minimally the late payments to only a few for my XXXX XXXX XXXX and update the balance as XXXX. Instead of correcting all of the erroneous late payments. 
For my XXXX  loans they only updated the balance to show the amount without accruing interest until XX/XX/2024, still allowing the balance owed to be incorrect.
Product: Debt collection

I called XXXX XXXX XXXX on XX/XX/XXXX about a collections from Enhanced Recovery Company. XXXX put out a fraud alert on my credit profile. I called ( ERC ) and they said the dont have an account for me in collections. The account was opened on XX/XX/XXXX XXXX  XXXX. I dont live in the city or state now or during the time of account opening. I then called XXXX XXXX the company issuing the collection. They also dont have an account with my name or anything issued by me. So no one has any account with my name in collection or accounts and its burdening my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Finance Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX 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: Checking or savings account

These overdraft fees have cause my account to go negative so far and eventually cause bank account closure they wont reopen until all fees are paid back
Product: Money transfer, virtual currency, or money service

Zelle was not sent to the correct person multiple times even though it was correct info
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a copy of my consumer report was obtained under false pretenses by Advantage Credit Inc whom I did not grant permissible purpose, nor consent and such action is deem unauthorized by me the consumer. 

Advantages Credit Inc has subsequently shared my private consumer financial credit information with a third party ( XXXX ) after obtaining my consumer file under false pretenses. 

No extension of credit or firm offer or insurance has been provided to me as consumer nor appropriate evidence that granted Advantage Credit Inc with my express written consent and permissible purpose to obtain my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  TransUnion they would not take nothing off I gave police report identity theft report you're not paying me no attention I've been going through this the last two years
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX has violated my rights XXXX XXXX  Account number 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: Mortgage

We issued Ocwen Loan Servicing a notice of void/rescission demand of a refinance for our principal dwelling, that was done in XX/XX/XXXX. We found out that the entire transaction was a sham. We agreed to an FHA Negative Equity Refinance loan. At the time we had no knowledge and were being pressured by XXXX to pay XXXX a month even though our payment was around $XXXX a month. While into our 3rd month of making these payments, Mortgage Services XXXX, offered us an unsolicited refi, at the bequest XXXX for the FHA loan. 
    We were told, that the loan would reduce our principal balance and lower our monthly payment. According to our final XXXX statement, our principal was listed at XXXX and our payment was listed as XXXX. According to the appraisal, our home's value was listed as XXXX. To qualify for an FHA negative equity loan, we had to owe more on the home than it was worth. According to the attachments, you can see this was not the case.
    On the Hud-1 It shows our principal balance as XXXX and our monthly was listed as XXXX. All of this information is blatantly false. The payoff statement from XXXX listed the payoff amount as XXXX with no information to explain why it was so much because the XXXX statement the month before stated our principal balance was  XXXX. 
   The Supreme Court Ruled that all a consumer must do to rescind a refi on a principal dwelling is to send the creditor notice. We sent Ocwen several and Ocwen is noncompliant on all of them. We sent the first demand to void the loan on  XX/XX/XXXX Ocwen sent us a denial and they did not file anything in court to declare they are the creditors within the 20 days they had to dispute the rescission. It has been almost 2 years and Ocwen did not file anything in the Court for a declaratory action, and because of this they have no recourse, the loan has been void since XX/XX/XXXX, as are the note and the debt. They are time barred to do anything at this point, they are in no way entitled to relief, and they still have not begun the process to unwound our loan, they have ruined our credit illegally, and they are going against the very thing Congress and the CFPB laws that are used to help the consumers. We had only to send them notice for rescission and from that point forward the security instrument Ocwen has is null and void. They have not given us any of our money, they have illegally ruined our creditor and they have been engrossing in improper litigation for almost 2 years, when a rescission is instantaneous. 
    The ruination of our credit has caused us many hardships, due to costly repairs that we have needed for our home, auto and healthcare. We went the entire XXXX with a broken heat-pump and now it is the XXXX and our A/C is broken and we can not get financing because of Ocwen and we can afford to replace it because our daughter has to XXXX.