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

I sent them a letter asking them to make sure everything is complete and accurate. 

They sent my investigation back and said everything ans said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 

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. 
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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNTS according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

They didnt do this as well.
Product: Consumer Loan

In XXXX XXXX, I opened at auto loan with Regional Acceptance through XXXX XXXX XXXX in XXXX XXXX, Maryland. I received at loan in the amount of {$25000.00} with an interest rate of 29.9 % ( payments of XXXX monthly for 66 months ). After making on-time payments for over a year. I lost my XXXX position in which I notified Regional Acceptance and asked for a loan modification ( due to my current income and past on-time payment history ). At that time I was told that they do not do refinancing. In turn, I attempted to refinance the loan with my credit union and was told that the vehicle has too much negative equity and that they would n't help me. I also attempted to trade the car in at several dealership and was told the say thing. Over the years, after making payments to the loan, I asked Regional Acceptance to allocate the payments in a manner that would result in a credit towards the principal balance versus just the principal. After making payments for over 3 years, the account balance never dropped past {$20000.00}. In XXXX XXXX, the vehicle was stolen from my residence. It was later found was deemed totaled by XXXX. The value of the car at the time was {$13000.00} which was almost {$8000.00} less than was owned to Regional Acceptance. Regional Acceptance is still reporting late payments on my credit after the car was totaled in XXXX XXXX. The car was sent to their Insurance lot and they are still attempting to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX account # XXXX and 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 an account without my written instructions. 


XXXX XXXX XXXX Open balance {$710.00} Collection Account number : XXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX phone : ( XXXX ) XXXX XXXX  - Open balance {$390.00} Collection Account XXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : ( XXXX ) XXXX
Product: Bank account or service

I purchased the card for {$4.00} put {$25.00} on it. I then I find out I had to spend {$4.00} to activate this card. This is a bogus card. hidden fees
Product: Credit card

I have returned the watch and the sale associate confirmed the returned. I still did not receive my refund. The company responded saying I sent coffee and cup which was a surprise gift I even gave to the store personally. The XXXX label also says watch on my shipment.
Product: Debt collection

I logged onto Midland Credit 's website to make payment arrangements. After logging in and choosing my payment plan it says that a payment MUST be made today to be able to take advantage of this offer. Wanted a credit card or checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchants Credit Association keeps reporting to XXXX that their accounts are unpaid whereas I have already paid for those accounts in XXXX and XXXX. This has been going on for months. I have filed a complaint earlier ( # XXXX ) and Merchants Credit Association responded saying they will remove all the details from Credit Bureaus. Instead they reported again to XXXX on XX/XX/XXXX about an account I already paid but they keep reporting this account and keeps adding interest to increase the amount. 

I have disputed these many times with XXXX and it's not working out either. PLEASE HELP!
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/year> Balance : {$2100.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

Ceaseanddesistasap
Product: Debt collection

MIDLAND CREDIT MANAGEMENT MCM ARE VIOLATING MY RIGHTS BY CALLING AND SENDING ME LETTERS CONCERNING A DEBT THAT I DO NOT OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting a late payment for XX/XX/2017 on my XXXX XXXX account. I was not late I paid on XX/XX/2017. I have attached my payment receipt.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, New Jersey, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Incorrect Social Security Number on My Credit Report To Whom It May Concern, I am writing to bring to your attention an error I have discovered on my credit report. It appears that the Social Security Number associated with my file is incorrect. This issue was discovered when I reviewed my credit report, and I am concerned about the potential impact this error may have on my credit history. 

Please find enclosed a copy of my Social Security card, along with a copy of my government-issued identification, which confirm my correct Social Security Number. I respectfully request that you update my records to reflect the correct information as soon as possible. 

I would appreciate it if you could send me a confirmation once this correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

I'm am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial Instition and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB 's finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I checked my credit profile and noticed a credit card account for Lane Bryant Commenity Bank. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint in attempting to ensure the deletion of these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Assuming no one cares, either way, block the noteworthy of any information or items in my credit record that came about due to alleged fraud or extortion.
Product: Mortgage

we obtained a second mortgage ; at closing the loan officer had approved us for interest only with an adjustable rate ; which was fraudulently but once we were ready to close it was too late to change we made payments on time ; the loan servicer was in the midst of modifying the loan to a fixed rate with different terms when it was sent to Newrez for servicing We then sent in a pkg for modification in XX/XX/2024 ; thought the mod was being processed ; found out yesterday that it was closed and our credit was hit 113 because of the actions of Newrez called Newrez and spoke to XXXX who said we were up to date ; I questioned her ; she then sent me to a different rep Newrez should be fined for this and needs to correct our credit
Product: Debt collection

On XXXX/XXXX/2013 I received a 3 day pay or quit notice by mail from my apartment complex. I moved out on XXXX/XXXX/2013. The apartment complex never furnished me with receipts to cover the costs of the alleged debts I owed them resulting from damage and cleaning. Especially not within 21 days of my surrender of the unit. The apartment complex alleges that I owe them for unpaid rent and damages to the dwelling.
Product: Mortgage

In XX/XX/2020, WellsFargo bank approved my request to suspend mortgage payment for 3 months due to COVID-19 hardship at no interest and no credit missing payment report. My principal balance then was {$290000.00} and continued to the same until XX/XX/2020. 

On XX/XX/2020, I submitted a request to continue payment starting XX/XX/2020, and defer the missed 3 payment until the end of the mortgage period, again no interest. I had no reply to that request. 

On XX/XX/2020, I paid {$2100.00} for the XXXX payment on time. 

On XX/XX/2020, and after I continued to pay, I found an amount of {$5400.00} added under a category named " Unpaid Secondary Principal Balance '', and my total mortgage principal balance has gone up to {$300000.00} from {$290000.00} at payment suspension. 

I called the bank on XX/XX/2020, to ask why my principal balance increased. They said it was to compensate for the missed payments! I told them that didn't make any sense, they insisted that the amount was added to compensate for the missed payments. I asked to file a complaint and escalate the issue, they told me I will get a reply within 24 hours and I haven't got any reply yet. 

On XX/XX/2020, I called again and no one answered. 

I am attaching the loan statement sent to me by the bank on XX/XX/2020, highlighting the added amount. 

Now not only I have to pay my missed payments, but I have to pay {$5400.00} on top of that!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with First National Bank of Omaha became delinquent on late XXXX and was closed on XXXX XXXX. I since called and settled with them. 
While I was approaching seven years, they changed the closing date to XX/XX/XXXX, and now to XX/XX/XXXX. 
This morning I woke up to see that my close account has been reported late for the past 18 months. 
I called to report the issue, the representative decided to yell at me and hang up on me. 
Not only this is inaccurate, it is hurting my credit. I am asking that they send a deletion letter to all the reporting bureaus to make this right as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for two small medical collections from XX/XX/XXXX. They are duplicates so only one account should be reporting. Further, insurance paid the bill so it should not have gone to collection. Originally it showed up as two collections for XXXX dollars and showed paid and closed in XX/XX/XXXX. After dispute it now still shows as two collections for the same amount but makes it appear that they were just paid and closed on XX/XX/XXXX. When I call to discuss with equifax they tell me that my security answers do not match my profile so they can not discuss my report with me. I was reading the answers to their questions about my active accounts directly from a current Equifax credit report so not sure how it was not matching. So they not only botched the task of removing the collection, which the other two bureaus did in less than a week, but now they are giving me the run around by telling me they cant discuss their error with me over the phone and I have to mail in my information and drivers license to them. How could my information not match what is on my Equifax credit report? I am trying to purchase a home and those collections are the only blemish on my credit. By making them look like they are from a week ago it dropped my score 10 points. I need this resolved ASAP. At the very least remove the duplicate and put the date in the other back to closed in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This is extremely frustrating, It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Product: Checking or savings account

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information is going everywhere. finally, the IRS team notified me of what's going on. I don't open most accounts and fraud activities, and I therefore request that it be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

XX/XX/XXXX RE : Homeowner, XXXX XXXX - Property Address XXXX XXXX  XXXX XXXX, XXXX, GA To Whom It May Concern : This letter is to convey the economic hardship that I have experienced as a result of the pandemic. I am a small business owner and my day to day business operations were severely impacted. I am still recovering and have continued to be significantly and negatively affected by the pandemic resulting in the temporary inability to make mortgage payments. 

My family experienced previous recent pandemic economic hardship whereby we applied and received assistance through the GA HAF Grant in the amount of {$44000.00}. The payment from GA HAF was made to our mortgage company Everett Financial Inc. dba Supreme Lending. At the time of our original pandemic hardship, our monthly mortgage payment was {$2200.00}. When our regular payments were scheduled to resume, we were shocked to discover that our mortgage company said we owe escrow. Our understanding along with GA HAF understand was that all monies owed to our mortgage company included all ESCROW. Instead, our mortgage company adding it to our new monthly mortgage payment. The new amount of {$3100.00} includes escrow spread over a XXXX period effective XX/XX/XXXX. Unfortunately, paying an almost {$1000.00} monthly increase in our mortgage payment has further contributed to us experiencing hardship again. We also believe our mortgage company may be getting paid extra money because they are saying the money paid to them by GA HAF did not include the ESCROW. But, we all believe the monies our mortgage company received included the ESCROW. As ESCROW is included with each monthly payment. The monthly payment of {$2200.00} which was our normal monthly payment includes the ESCROW. How then can our mortgage company say we owe it when they asked us to pay up all missed monthly payments? Then when it is paid in full say we owe the ESCROW. But, the ESCROW has always been attached to the monthly payments. Seems like Everett Financial Inc. dba Supreme Lending are not doing right by my family, me and GA HAF.

As I continue to diversify my self-employment, Ive increase ride share driving. I intend to resume making monthly mortgage payments in full and on time as soon as possible. 

Thank you for your consideration. 

All the best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, XXXX and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, XXXX and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. 
I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$XXXX} ; XXXX XXXXXXXX XXXX Balance : {$XXXX} ; XXXX XXXX XXXXXXXX Balance : {$XXXX} ; XXXX XXXX Balance : {$XXXX} ; XXXX OF XXXX **** XXXX : {$XXXX} ; XXXX XXXX XXXX Balance : {$XXXX ; XXXX XXXX XXXX Balance : {$XXXX} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$XXXX} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$XXXX} XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; BRCLYSBANKDE XX/XX/XXXX ; CCBAXCESSFIN XX/XX/XXXX ; ALLY CARD XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

On XX/XX/21, a complaint ( XXXX ) was submitted on SANTANDER CONSUMER USA with attached Cease and Desist -- pursuant to 15 USC 1692c. ( c ) On XX/XX/21, a response was received from SANTANDER CONSUMER USA that confirmed verbatim, " We have submitted a request to place the above referenced account into cease and desist status and you will no longer receive any further communication regarding the account except for certain notices via mail required by applicable law ''. 

Meanwhile, the company, SANTANDER CONSUMER USA disregarded their own message. On XX/XX/21 and XX/XX/21 SANTANDER CONSUMER USA called repeatedly. 

Attached are the screenshots of the phone calls. 

Screenshots labeled as yesterday is in reference to XX/XX/21. 

The employee ID : XXXX ( XXXX ) called on yesterday, XX/XX/21.
Product: Debt collection

I received a call from an XXXX XXXX on XX/XX/22, who said she was from Global Trust Management & that she needed to talk to me before she signed off on my paperwork. I have never spoken to them before regarding this loan. I tried to advise her that I did not want her contacting me directly regarding this issue and did not wish to discuss it with her and to call my Attorney, but she would not take the information and kept trying to argue with me. I also told her I was currently under XXXX XXXX ( I will be glad to provide verification of current medical appointments ) & she was upsetting me by not simply taking the information per the Fair Debt Collections practices and call my attorney instead. I also had XXXX  in prior months. I am over the age of XXXX and need to focus on my health issues.