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

I am writing to formally file a complaint against the XXXX XXXX  credit reporting agenciesExperian, XXXX, and XXXX their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of collection and charged-off accounts with inaccuracies and improper balances. The CRAs are not investigating these accounts. They are just coming back saying the account is verified accurate. I have requested a " Forward Flow Agreement '' from XXXX XXXX XXXX, a third party Debt Collector who purchase this account in a bundle. they are reporting an incorrect balance. I have requested 1099Cs from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  for updating my taxes. They received insurance on this charged off account so it should not be reporting a balance. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. These errors directly violate this obligation. Charged-off accounts are being reported with remaining balances, despite federal regulations stipulating that once charged off, written off balances should reflect the true amount owed or XXXX if forgiven. These inaccuracies are negatively impacting my creditworthiness and ability to access financial opportunities.
Product: Debt collection

I 'm continually getting calls from an agency called XXXX collection. I 've told them repeatedly that the person they are calling for does n't live here that they have the wrong number. They assure me they will remove my number then they will call back the next day. They call very early in the morning, weekends, and it 's really causing me XXXX. A few of the representatives have been extremely rude and and insinuated that I was lying about it being a wrong number. This has been going on for almost.a year.
Product: Debt collection

They did not provide me with initial notifications about the alleged debts and failed to provide me with my federally mandated right to dispute and validate the alleged debt. This debt was added to my credit reports on XX/XX/2023 and I didn't receive notice until XX/XX/2023. They took adverse action against my person and furnished an alleged unvalidated debt on my consumer report, which has caused irreparable damage to my reputation. By their malicious actions they are in violation of the Fair Debt Collections Practices Acts : 15 USC 1692c ( a ) ( 1 ) 15 USC 1692 ( d ) ( 1 ) 15 USC 1692e ( 8 ) 15 USC 1692e ( 10 ) 15 USC 1692 ( 11 ) 15 USC 1692g ( 3 ) 15 USC 1692g ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

I recently reviewed my credit report and say that Commonwealth Financial Systems is negatively reporting a debt that was previously removed by the credit bureaus for the past year. Now Common Wealth Financial Systems is reporting the {$200.00} debt again stating that it was just opened on XXXX XXXX, 2017. This is a common illegal practice of to try to re-age old or removed debts and I have become their victim again. I was not properly notified by mail five days before Commonwealth Financial Systems about the debt before reinserting this onto my credit report and I would like it removed immediately. My XXXX credit score has been drastically reduced because of their ill practices and its all because Commonwealth Finanical Systems is practicing unjust collection attempts. This is not fair that I have had to send countless of letters to the bureaus and even recently to remove this erroneous dent and I decided to use my consumers rights and ask for the assistance of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to review my credit report as I periodically do through XXXX and XXXX XXXX. I noticed that I had a new collection account for {$90.00} that I wasn't aware of which had negatively affected my credit. It looked like it was from XXXX, but I have been and am current on all of my XXXX payments. I contacted XXXX, and after doing some research, they discovered that it was a past due payment from XXXX although on my report it stated that it was opened XX/XX/XXXX. I asked XXXX why they had never mentioned a past due amount since I have current accounts with them, but the representative wasn't sure. She was able to tell me that the collection was through a company called Enhanced Recovery Company or Enhanced Resource Centers ( ERC ), and she gave me their number. I contacted them and made the payment through an automated service. Upon further investigation, I realized I had never received any notification of this debt. When I went through the automated service they had the wrong address on file. I never received a phone call or letter regarding this matter or I would have addressed it. In addition, the information on my report was wrong because it stated that it had been opened on XX/XX/XXXX, and listed it as one month old instead of 12 years. I called ERC back to explain this, and they disputed what I was trying to explain to them. I filed a dispute with XXXX and XXXX ( it didn't appear on XXXX ), and the dispute has been granted and the collection item has been removed. 

My complaint is the unfair and inaccurate tactics used by ERC, and I am hoping that they do not continue this practice of reporting old debts as new debts on credit reports, especially without any notification to the alleged person that owes the debt.
Product: Student loan

I have been paying this loan over 15 years. My payments are not being applied correctly, each statement I pay the amount due but my balance doesnt appear to go down. I just happen to review my account online and find that interest was capatilized on XX/XX/XXXX and XX/XX/XXXX but I dont k ow why. My payments were set up on auto payments so there should not be any capitalized payments. 

I will never pay this loan off if my payments are not applied correctly. Please investigate and make sure that my payments are applied correctly and the balance corrected.
Product: Debt collection

I sent a debt validation letter twice XXXX XXXX and they responded with an invoice of charges and on XX/XX/2022 a failure to validate letter was sent again to validate this debt and they responded by sending a letter saying this debt is irrelevant. The invoice of charges does not directly reflect that this debt belongs to me and does not reflect the requested documents I requested in order to validate this debt. Please delete this information from my credit file and cease all collection activities immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

On XX/XX/23 I called the collection agency " MRO PPO LCC '' about a account in the amojunt of XXXX, that is not mine. I then called them to verify and they told me that, it was opened in XXXX, TN and they could not give me the rest of the infomration. I never lived or drove though XXXX, so they recommend that I call the orginal credior " XXXX XXXX XXXX  and XXXX XXXX '', so I called them. Both companies verified that I did not have a account with them and that it looks like someone has been using my information and I keep hearing a name " XXXX XXXX '', who is attached to my new cell phone number. I changed my number to my new one, which is XXXX, 6 months ago and ever since I did, I have been getting calls asking for XXXX about debt. As soon as I got my new number, I think XXXX sold my information.
Product: Bank account or service

I was contacted by bank of america on XXXX XXXX, 2015 asking me if i spent money at certain places. I told them i havent used that card in awhile. So they gave me the next steps to get my money back. I recieved a letter in the mail stating that they concluded that the charges were authorized. I called them to see exactly how they came to this conclusion because i didnt authorize any charges. They told me that since person who charged the card had my address and the security code from the back that they had the card in their possession. That was not possible because i had the card the whole time. I asked for the information from the company that i supposedly bought the items from. When I called said company a kid answered the phone and seemed very timid when i asked about the company and asked if it was a business. Not wanting to give to much information i hung up and called the bank back to tell them they obviously didnt research the fraudulent charge since I had come to the conclusion in 5 minutes that there wasnt a company by that name. They told me that the case had been closed and i was not getting my money back. I since then have filed a report with the police. This is a state issued card that is for child support.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased 4 tickets to the XXXX  vs. XXXX game. I paid the seller the agreed amount of {$500.00} via XXXX through my Wells Fargo app. As soon as I sent the money via XXXX the seller came back and said I owed an additional {$100.00}. I immediately contacted my bank to notify them of the fraudulent transaction. They opened a case ( Claim # XXXX ) and assured me they would handle it and I would hear back within 10 business days. This morning I followed up to check on the status and was told my claim was rejected. I find this extremely disheartening especially since I called Wells Fargo within minutes of making the transaction. XXXX must have a record of the sellers bank account and should be able to recoup these funds. It's horrible that these predators are able to take money without any repercussions. It is illegal and should be handled appropriately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted XXXX XXXX regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) XXXX reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, XXXX reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and XXXX records their calls - so the rep 's statements can be confirmed.
Product: Mortgage

BEWARE of this TERRIBLE mortgage company with EXTREMELY poor customer service. It is impossible to get anything resolved by a human, let alone a series of emails with proof to their various departments. They do not care about customers or try to help them once they are unknowingly stuck with them. Unfortunately, our mortgage was transferred to them by XXXX XXXX and we did not have a choice. We have been homeowners for over 40 years, have excellent credit ratings, always pay our bills on time, and since XXXX XXXX sold our loan to Mr. Cooper we have experienced nothing but problems. They are intentionally holding our money hostage, probably to collect interest on it and to have the audacity to charge us late fees. The first loan payment was paid almost 2 months ago and they have no record of it. We paid this loan payment to XXXX XXXX as we were instructed to do, and it was wired to mrcooper.com 2 days later. XXXX  XXXX XXXX debited our account on the same day. Mr. Cooper has had the money all of this time and can not find it. We provided proof to Mr. Cooper three times via email and wire tracking numbers, but guess what? They have no record of the payment! How is this even possible? I set up automatic payments for the following months when I was able to do so ( after much trouble ), but the auto payment information has mysteriously disappeared and now we are two months past due. XXXX XXXX is having problems with this company as well, because this has been happening frequently with refinance customers like ourselves. Why in the world do they use Mr. Cooper to sell their loans to? This was supposed to be an exciting time for us, our final home loan ( are in our 60s ), enabling us to stay in our home of 20 years without having to downsize. This has caused us so much stress, not to mention hours of precious time, and with no resolution in sight. From reading all of the negative reviews, it looks like were in for a long and painful ride with this unscrupulous company.. After numerous phone calls trying to get this resolved, the last customer service rep told me that the reason for the name change was because of the horrible reputation they had under the old name and that they were trying to do better. Ha! I have been reading horror stories about suddenly inflated or missing escrow payments for no reason, unjust late fees, and hidden fees not disclosed to the customer in their statements. I hope that with all of these burned customers we can come together in a class action law suit against Mr. Cooper so that we can sue them for illegal practices. I intend to file every complaint that I can, warn as many people as I can, and fight this company until I get this resolved. It is a shame that what was supposed to be a happy decision to refinance our beloved home in order to live out our final days here has turned into this nightmare. Shame on them. There has to be a way to get out from under them ... they shouldnt be allowed to do this to people.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.XXXX  XXXX XXXX, and XXXX XXXX  XXXX XXXX as these items were showing late payments on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to EQUIFAX and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.
Product: Debt collection

Company has sought civil action but they seem to not respond when I try contacting them about the issue.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on this XXXX  XXXX account. This account is in litigation and this company has also been sued by the cfpb. 
Misled consumers about high interest accounts : XXXX XXXX illegally deceived consumers and XXXX XXXX, XXXX. violated the XXXX in XXXX XXXX by representing that XXXX XXXX provided a variable interest rate that was XXXX of the nations top, best, '' and highest, and would earn much more interest than the average savings account. 
Kept consumers in the dark to maintain a two-tier system : XXXX  XXXX misrepresented to existing customers that its XXXX Savings account was and would be its only XXXX high-interest savings product with the features, terms, and conditions of XXXX Savings and obscured from those customers its newer, much-higher-interest XXXX Performance Savings accounts, which otherwise had all the same terms, conditions, and features of XXXX Savings. XXXX XXXX used XXXX XXXX XXXX to attract new depositors without paying existing depositors the interest they were promised. XXXX XXXX avoided paying more than {$2.00} XXXX in additional interest to millions of customers because of these actions. 
Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the Truth in Savings Act. It also has the authority to enforce the Consumer Financial Protection Acts prohibitions on unfair, deceptive, or abusive acts or practices. The CFPB seeks to stop XXXX XXXX unlawful conduct, provide redress for harmed consumers, and impose civil money penalties, which would be paid into the CFPBs victims relief fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Checking or savings account

TD Bank does not appear to have a process to remedy returned deposits. I submitted an EFT before closing an account. Unfortunately the receiving institution returned the funds to TD. The funds were received back by TD after I had closed the account. TD customer service center and local branch office are unable and unwilling to assist. I have called on multiple occasions and no one seems to know how to resolve this. I have been promised call backs but have never received one. I was lied to that a check would be sent to my home. Instead they continue to attempt an EFT to the other institution unsuccessfully. The funds in question are stuck in an endless loop. {$140.00} is in suspense and has been unresolved since XX/XX/2023. Please help!
Product: Debt collection

I once stayed in XXXX XXXX XXXX XXXX Apartments in XXXX XXXX, Texas. After I informed the apartment manager that I was moving out due to crime in the area and apartment complex. I gave them a written notice that I was moving out. The apartment complex was going up for sale to a new owner and the tenants were given a chance to move out based on the crime and things that took place in the complex. I took them up on the offer that I wouldn't be responsible for the remaining balance due to the sale of the complex. After moving out of the complex I got a bill from a collection company. Everything I owe was put on the loan of the sale of the complex and the complex is not trying to collect any funds. So, I don't know why I have this collection company calling me.I like to provide my credit report to show that they are on my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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.
Product: Debt collection

There is a collection listed that I do not agree with and requested several times validation and disputed with no actual evidence of what is being collected for and proof the debt is mine ( signed contract ). Can your agency help?