23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I HAVE SENT OVER 5 DISPUTES TO EQUIFAX AND THEY HAVE NOT BEEN PROPERLY INVESTIGATED. I AM A VICTIM OF XXXX XXXX AND PER SECTION 605C-XXXX XXXX REQUEST TO BLOCK ADVERSE INFORMATION, THEY HAVE NOT COMPLIED.
Product: Mortgage

Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX GA XXXX This company bought my two duplex loans about a year ago and it has been a NIGHTMARE since day one. Even though we pay both our mortgages every month because we are currently in active bankruptcy we have NO way to look at our account. I get no statement, can not see anything online and the ONLY way to pay the bill is to either mail it and hope it get credited correctly or call and be on hold for about an hour and pay over the phone. I am told the only way to get a statement, escrow balance or ANY information about my loan is to FAX my request to them AND I have to send a separate FAX for each statement or piece of information I want to know. I have a right to the information about my loan!! How do I know what my balance is or if my payments are being credited or it I am being changed 'unknown ' fees. I want access to my loan information without jumping through any hoops to get it!
Product: Checking or savings account

On XX/XX/XXXX, I opened Valley National Bank Premier Checking account ending on XXXX because the bank was offering a {$200.00} bonus for just setting up a direct deposit. 
On XX/XX/XXXX, I got the {$200.00} advertised bonus after a {$100.00} direct deposit from XXXX. 
However, on XX/XX/XXXX, Valley National Bank clawed back the {$200.00} bonus. The transaction description was Rewards Credited in Error. This unexpected transaction caused a {$36.00} overdraft fee. 
On XX/XX/XXXX, I closed the checking account after they reversed the {$36.00} overdraft fee. 
On XX/XX/XXXX, I erroneously got a {$200.00} XXXXINT Form from Valley National Bank.
Product: Debt collection

I received a letter ( Dated XX/XX/XXXX ) from National Credit Systems out of XXXX XX/XX/XXXX about an alledged debt I owed to XXXX XXXX XXXX. I respoded with a certified letter on XX/XX/XXXX disputing the debt, I asked them for proof of the debt, and I also asked them for information about their company ( are they a licensed debt collector, do they have a license to collect debts in the state of XX/XX/XXXX and if not what state are the licensed in and what authority do they have to collect in the State of XX/XX/XXXX) To this date they have not answered my requests for information about their company. They have proceeded to make multiple calls to me ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) even after the first phone call I informed them I would talk to them only once every 30 days and that I am requesting any correspondence be in writing. I have now sent 4 certified letters to their company requesting the information and they have not answered my request for company information. I have disputed the debt with every letter they have sent me and I have informed them I will not provide any information until I know they are a licensed collector authorized to collect in the state of XX/XX/XXXX They have refused to provide this information and have now reported to the credit bureaus, even though this is in dispute.
Product: Debt collection

My wife and I both had XXXX accounts with XXXX XXXX. I am listed as the primary on my XXXX and my wife is listed as an authorized user. My wife 's account list her as the primary and I am listed as an authorized user. My wife XXXX XXXX X/XX/17. I notified XXXX of her XXXX and asked that they close the account. XXXX made an un-authorized change to my wife 's account changing me from an authorized user to the primary. I have asked multiple XXXX representative how this has happened without any explanation. I have also requested for a copy of the application and they claimed they may not have it. My wife XXXX XXXX  without an estate to pay her debt. Since I am not a co-signer to the debt and only an authorized user I can not be held responsible for her debt. To date XXXX has removed my wife 's name from her account which shows they recognized her XXXX and wanted to quickly change responsibility to someone else. They had closed the account and within the last month they re-opened the account to an open status. My account still has my wife 's name as an authorized user but it has a closed status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE this damaging information from my file right away! 

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

I submitted a dispute with EQUIFAX over XXXX day ago concerning a fraudulent account on my credit report from XXXX XXXX XXXX XXXX XXXX. The original creditor XXXX XXXX XXXX XXXXXXXX XXXX, SUBMITTED THIS COLLECTION TO THEM. I called both parties about this and neither of them found record of me. I submitted my Identity theft report and police report to EQUIFAX and have been waiting for a response. I called the XXXX XXXX XXXX XXXX today to see if any information came in about me, they said nothing has been sent over from the credit agency.XXXX XXXX said it had to be and error from EQUIFAX to put this on my credit report. I am unable to rent an apartment because of this. They are dragging their feet about this matter and its costing me my lively hood. They have the wrong address on file even though I have updated it XXXX times, so I am unable to call and pass the identity questions to speak with a live representative. I am living with friend because this rental debt on my credit report has me stuck on someones couch, because I keep getting denied for rentals. PLEASE HELP ME CONCERNING THIS ISSUE. 
amount owed- {$6800.00} date assigned to collection-XX/XX/2020 actions taken by me-files police report and identity theft report
Product: Checking or savings account

I purchased a net spend card putting XXXX on it to be told I cant register it that my money would be send my by check. I had a net spend card in the past that was stolen and used which I never got the money back on they just closed my XXXX taking my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires
Product: Mortgage

I applied for a loan modification from Ditech Financial. They keep putting me through the ringer. They continue to ask me to send them the same paperwork over and over again. Now they are asking me to send them XXXX before they can give me a loan modification. Now DITECH is telling me that they are about to report a late payment for this month while I am in the process of the loan modification with them. I have tracking of the documentations that I sent to them. My account is XXXX ACCOUNT. I requested a copy of the recording of the sale and original contract. They never sent it because it does not exist. Ditech does not have a Bond to collect in the STATE XXXX FROM THE ADDRESS THEY ARE LOCATED XXXX.
Product: Credit reporting

XXXX recent credit inquiries appear on my credit report with Equifax without my knowledge or authorization. XXXX and XXXX did not have any verbal or written authorization to check my credit.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint concerning the inaccurate reporting of a XXXX XXXX  account on my Experian credit report. My efforts to resolve this issue directly with Experian have been unsuccessful, and I am seeking the CFPBs assistance to ensure compliance with federal and state laws governing credit reporting practices. 

Account Details : Account Name : XXXX XXXX  Account Number : XXXX Nature of the Complaint : The balance reported for this account is inaccurate, and I have been unable to obtain verification or access to the account in question to resolve or dispute the alleged debt. This lack of transparency constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that consumer reporting agencies ensure the maximum possible accuracy of information in consumer reports. 

Furthermore, my attempts to resolve this matter through Experians dispute process have not resulted in any meaningful correction or investigation of the inaccuracies. The continued reporting of unverifiable and inaccurate information on my credit report directly impacts my financial standing and violates the statutory obligations of both Experian and the original creditor under the FCRA and Uniform Commercial Code ( UCC ) 9-210 ( Request for Accounting ).

Legal Basis for Complaint : FCRA Violations : Experian has failed to ensure the accuracy of the information reported and has not adequately investigated my dispute.

UCC Compliance : The creditor has failed to provide me with the required accounting or any means to address or resolve the alleged balance. 
Negligence and Noncompliance : The lack of accessibility to this account constitutes a barrier to my legal right to dispute or resolve the matter effectively. 
Requested Actions : Immediate Deletion : Remove the inaccurate and unverifiable account from my Experian credit report.

Thorough Investigation : Conduct an independent investigation into the reporting practices of both Experian and XXXX  to ensure compliance with FCRA and UCC requirements. 
Written Confirmation : Provide written confirmation of all actions taken to resolve this matter. 
I trust that the CFPB will address this matter with the seriousness it warrants, ensuring that my rights as a consumer are protected under the applicable laws. 

Should you require any additional information or documentation to facilitate your investigation, I am prepared to provide it promptly. I look forward to your swift response and resolution.
Product: Mortgage

The handling of my mortgage by ServiceMac , LLC and XXXX XXXX XXXX XXXXXXXX has raised significant concerns regarding flood insurance and escrow management. ServiceMac 's purchase of flood insurance without notification, despite my existing coverage through my condo owners association ( COA ) from XX/XX/XXXX to XX/XX/XXXX, was done without my consent or knowledge. Additionally, the lack of disclosure regarding the inclusion of the insurance premium in escrow and any increase in monthly payments is troubling. Furthermore, upon the transfer of my mortgage to XXXXXXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, the existence of an escrow account was only revealed then, which ServiceMac had failed to disclose. This lack of transparency and communication has left me feeling misled and frustrated.

Given these concerns, I am requesting that the Consumer Financial Protection Bureau conduct an investigation into this matter. I believe it is necessary to thoroughly examine the actions taken by ServiceMac , LLC and XXXX XXXX XXXX XXXX particularly regarding the handling of flood insurance and escrow accounts. This investigation should aim to provide clarity on the situation, identify any regulatory violations, and ensure appropriate measures are taken to rectify any discrepancies. It is crucial that consumers are protected and that such oversights are addressed promptly and effectively.
Product: Debt collection

Ability Recovery Services put a collection note on my credit report. I never received any notification from the original creditor or ARS about an y debt being owed. My address and phone number are public and listed on all three of my credit reports. The address and phone numbers listed on the credit report for this debt collection agency are not valid.
Product: Student loan

I asked American Educational Services and US Department of Education for a sworn affidavit testifying to the validity of the purported " loan ''. The verification of an account requires " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. Affidavit of truth of matters stated and object of verification is to assure good faith in averments or statements of party. '' ( XXXX XXXX XXXX, XXXX XXXX ). Both AES and US Dept of Education have failed to provide the affidavit to verify the alleged debt.
Product: Student loan

I was granted a discharge from the debt owed to the US DOE. The DOS was informed by the collection company to NOT take any further payments from my bank account from XX/XX/XXXX-XX/XX/XXXX. The Department ignored the demand and withdrew payments totaling, {$870.00} ( {$170.00} per month during the period ). I have attempted to reach out to the DOE regarding my refund and I keep getting the response from agents that a refund will be issued in " 45 days ''. The 45 days started XX/XX/XXXX. I have yet to receive the refund and the DOE keeps tagging an additional 45 days each time I call, assuring me I am not going to get my money back that was illegally taken.
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

1

5 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 othe
r 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: Credit reporting or other personal consumer reports

I am contacting you regarding the recent investigation. I disagree with your findings and insist on complete accuracy. I am not satisfied with the efforts made to contact the creditor/agency reporting this information on my report. Consequently, I am requesting more information about this specific account : XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00}. As previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Provide me with the names and addresses of the individuals contacted. You have fifteen ( 15 ) days from the receipt of this correspondence, as per 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless I am notified otherwise. Failure to verify within this timeframe constitutes non-verification, requiring the prompt update of the account as per Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the account has been updated. After this is completed, kindly send me an updated copy of my credit report to the address provided.
Product: Checking or savings account

Suntrust bank froze my account without any explanation and they told my account would only be frozen for 7 days for review it has now been 10 days and they are telling me that the freeze status has been extended but could not provide me a timeframe as to when the matter will be resolved. The supervisor is stating they are closing my account but cant tell me when. I opened this account a month ago, I received a deposit because per there promotion if you received direct deposit of XXXX $ or more for two consecutive months you get XXXX . Which is why I allowed my check to be deposited into the account and they have done nothing but screwed me over. After reading several complaints I doubt that this matter will even be resolved on a timely manner. Which is why I am submitting this complaint, there needs to be a class action lawsuit against suntrust! This is very stressful situation and this situation definitely triggered my XXXX and XXXX
Product: Debt collection

I was called yesterday regarding a debt, had no prior knowledge about it. Lady was rude and threaten to take me to jail and garnish my wages. I asked for a written letter before making payments and was refused. They called again and was rude yet again, I was threaten again with jail and wage garnishment. I again asked for this in writing and was told they couldnt and have mailed things before. I have not gotten anything. Was called a liar as well and hung up on
Product: Mortgage

Rocket Mortgage ( Quicken Loans ) charged me {$500.00} for my consent to proceed 3 days after I applied. They changed the loan amount from {$81000.00} to {$86000.00} without my knowledge or approval. Are they allowed to do that? Can I get that back?
Product: Credit reporting or other personal consumer reports

Over the last 24 months I have been trying to be a responsible consumer and correct the inaccurate and inconsistence reported by the three Credit Reporting Bureaus. I have already requested verifications multiple times and for the most part the incorrect and or inconsistent reporting has been corrected, removed and lastly stated by the Bureaus that they did and investigation and that the remaining items where verified, yet there remain extreme amounts of inconsistent and inaccurate reporting. 

I am enclosing a screenshot of my most recent credit report highlighting the inaccurate inconsistence still remaining after the Bureaus claim to have verified that the item has been 100 % accurate and investigated timely. The Fair Credit Reporting Act requires that the Bureaus complete their reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received any reply because the Bureaus have been unable to verify this information. 

I would like the item removed immediately. By law the Bureaus are required to removing any inconsistent and persistent error and inaccurate information after a 30 day investigation has been completed. So, I request that they remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.