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

I am XXXX XXXX XXXX, and I am a federally protected consumer, and I am very disturbed and that XXXX XXXX XXXX  has been consistently getting away with fraud and willingly and knowingly lying and violating my consumer laws. 

I am writing this letter in regards to the account XXXX XXXX XXXX  OPENED XX/XX/2019 BALANCE {$36000.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX. This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC.

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

I sent notice to XXXX, Equifax, and XXXX and nothing has been done about this and they are ignoring my letters and breaking consumer laws.The illegally reposed my vehicle in after I sent cease and desist letters twice. Also, this account is not reporting on my Consumer reports as a Repo so that a violation also. It is reporting as a charge-off. Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. XXXX XXXX XXXX is basically debt parking this account and this is illegal. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. 

The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I never received any of the documents listed below : Contract before the sale Deficiency Documents Redemption Documents Finance Documents This is illegal and they continue to do whatever they want and ignore letter that I sent them. As a result, there are so many VIOLATIONS & FRAUD that XXXX XXXX  XXXX have committed fraud willingly and knowingly. Also, this automobile was taken without my PERMISSION, that is GRAND THEFT AUTO. These credit reporting agencies need to be held accountable. Please take this matter serious and I look forward to your respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account in collection in XX/XX/XXXX. It was for a little over {$300.00}. I paid it off in XX/XX/XXXX. On my credit report it shows as paid in full, but I want it completely taken off my report. I called NCC Business Services but they refuse to take it off. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   2016, an hard inquiry pull was made on my credit report. To my knowledge of this unknown agency who I DID NOT give con sent to, I will like see valid validation of my consent and signature to have my credit pull from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and discovered there were inquiries that were never authorized. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Closed Credit Account 's. Closed for reason that are against Terms and Regulations. Incorrectly reporting History and Changing Information between Disputes that is inaccurate and Fraudulent. 

XXXX ) XXXX XXXX XXXX XXXX - Account Paid In Full. 
- Account Never Paid Late.

- Balance, Credit Limit, Payment Dates and More Reported Incorrectly -Fraudulent Changes and Reporting of Credit Reports . Numerous Changes From Reporting Late Payments to Never Late/Closed between Disputes. 
- Closer Of account Went Against Terms and Conditions XXXX ) Capital One Platinum Card - Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed.

- No Notice Of Returned Payment - No Notice Given For Anything Regarding Terms I went Against - Balance is Reported Incorrectly - Account Never Late - Account Always paid on Time/ As Agreed 3 ) Capital One Rewards Card -Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed. 
-Closer Of account Went Against Terms and Conditions -Account Always paid on Time/ As Agreed -Fraudulent and Incorrect Reporting on Credit Reports For Credit Limit , Balance History, High Credit Balance, Payment Dates and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late Between Disputes. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account Always paid on Time/ As Agreed - Closer Of account Went Against Terms and Conditions -Fraudulent and Inaccurate Reporting of Credit Reports of Credit Limit , Payment Dates and Amounts, and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late - Credit Report Shows Past Due Balance of {$0.00} on Months Claimed as Late, but still Shows 2 Late Payments XXXX ) XXXX XXXX XXXX - Paid Off in Full and Closed. 
-Always Paid On Time.

- Account Was Closed By Me, Not Creditor.

- Fraudulent Changes and Reporting of Credit Reports. Numerous Changes From Saying Late Payments, to Never Late/Closed between Disputes. 

XXXX ) XXXX XXXX XXXX - Change of Late Payment Date - No Report of Credit Limit that Negatively Effects Credit Utilization
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of certain accounts and inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts and inquiries were impacted by the breach, and I assert that they were opened or made without my authorization : Accounts to be Blocked and Deleted : 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
Product: Vehicle loan or lease

I have sent this company 4 letters asking for, copy of contract, the accounting log any addendum of contract, sales documents. Every time I get no response. I think the total purchase price was XXXX  with a 7 or 9,000 trade. The loan had fallen behind and called company and got payments caught up but I was supposed to have a lower revised monthly payment as I was a victim of XXXX and at times had to hide and I feared for my life. I called finance company to explain and send proof of my fleeing for safety, they refused to work with me, refused to send me anything on new arrangements and said there were non. I explained I was going thru divorce, that I am XXXX on XXXX  and this is a fixed monthly income. I also asked to show me how I could owe more for a car than the sales price especially when I had a trade in of 7 to 9000. I was informed they would not adjust, or send me anything until payments were current I again explained I was a victim on a fixed income and my spouse wasnt paying support and stoped paying on home that my spouse left two days after my mom passed stopping direct deposit leaving me a home in bad shape a XXXX  parent to an infant and knew I was to pay to bury my mother. This company then just ignore me and refuse to respond to my request to validate money owed. This is now creating a major heartache that I am looking to buy a home and this truck constantly breaks down and no money to fix it and cant purchase another car without a huge deposit. I need to get to my doctors and take my 6 year old for her doctors but this company will not respond.
Product: Credit card

I used a link to their website from the doctor 's office. The website asked me to prefill my application with my mobile number, last 4 ssn, and zip code. After I clicked continue, they automatically opened an account under my name. Nothing on the website said that this would be the final step in opening up an account and that this would be a hard credit pull. I thought this would be a pre-qualification to see if I could be pre-approved. Nothing on the screen showed me that an account was created. I can't login to their site either but I did get notifications from my credit monitoring that an account was opened under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access my equifax score for months and have been denied for credit several times because of this. I call equifax and they say somehow my DOB is incorrect in their system but they can not tell me how it was changed. I have sent in the information that they have requested twice and each time have been told they didn't recieve it. This is affecting my life and my ability to move forward in life.
Product: Mortgage

Situation : Our Florida Townhouse ( XXXX ) was put on sale in XXXX, so we could be with Family in XXXX, they didn't want us living in XXXX  alone after my husband XXXX 's sudden passing away on XX/XX/2023. 

Lot of potential clients for XXXX kept asking if mortgage is assumable. 

Thus, I called my PHH mortgage. They said they will review and communicate back in writing. 

XX/XX/XXXX, XXXX weeks later, they sent a letter saying yes it is assumable based on .... see attached letter. 

I was pleased to hear assumable mortgage. In light of interest rates being so high, it eased the possibility to secure a sale. 

It had no mention of blood relatives, cousin, friend, family stranger etc..as long as financial obligations were met for party that wanted to assume the mortgage. 

We had family friends come in to buy, they went in escrow for XXXX. Purchase price XXXX. My mortgage owed is XXXX for 2.6 % for XXXX yrs. They got appraisal and home inspection all went OK. Financially strong family. 

On XX/XX/XXXX, we got on phone with new buyers and our real estate agent and spoke for an hour on phone that we want an application sent to us so paper work for assumable mortgage can begin. Teleconference all went ok. 

On XX/XX/XXXX, they sent a letter saying mortgage is NOT Assumable. Which shocked all of us for them to go back on XXXX letter that said mortgage is assumable. 

Last 3 days have been on multiple phone calls with PHH about it. They agree their letter was misleading. But as they are mortgage servicer and mortgage provider is XXXX XXXX and XXXX XXXX  is saying it is not assumable. 

I said their assumable department review made a mistake. From the very begining should have not told me it's assumable. I would be ok with that. As very rarely they are. They led me down the wrong path. A rabbit hole, promising path. I could be sued for wrong false advertisement by clients advertising my property as assumable mortgages. As my agent went around saying it's assumable and said that in good faith. PHH has been misleading confusing to us now. 

The sellers were in for the deal as it was assumable. The sellers have backed out on sale now. 

So after all these months the sale is lost. Got to know this loss of sale today. 

House has been put on sale again today. 

Interest rates are worse. Property in good location. Thus still challenging. 

PHH erroneous stance and misleading wrongly issued letter has costed me the sale. Caused stress to the agent, to the buyers, to me at my time of grief I have this undue stress from PHH. 

I have repeatedly asked them to honor their first letter as they sent the assumable letter or I will seek legal recourse. And that is where we are at, they say they cant honor their first letter. 

Please review XXXX letter saying it is assumable. And XXXX letter it is not assumable. 

I am serous about pursuing legal actions. 

They keep saying sorry for the mistake but they can't honor their first letter approving it to be an assumable mortgage. 

Please let me know your thoughts. 

Thank you. 

XXXX
Product: Mortgage

I live in an area that was a federally declared disaster area because of hurricane Irma. After the hurricane, my mortgage company told me that I could defer payment of the mortgage for 3 months ( until XX/XX/XXXX ) since I was recovering from the hurricane and that the deferred payments would be placed at the back of my loan. At the end of the 3 months, when I contacted the mortgage company, they told me that the program was extended for an additional 3 months ( until XX/XX/XXXX ). In XX/XX/XXXX, I was told that the loan would be modified and the deferred payments would be placed at the back of the loan. I contacted the mortgage company in XX/XX/XXXX to find out what the process was for modification ; I was told to send in multiple documents which I did. After submitting all the required documentation, I checked the status of my modification online every day for the next month. I called on numerous occasions to inquire about the status of the modification and to inquire about the payment. I was told that they were working on the modification. I was told not to send in a payment for XX/XX/XXXX because it would be rolled up into the modification. In XX/XX/XXXX, I was told that my modification was denied because the payment would go up from approximately $ 2000/month to approximately $ 2120/month and that they were not allowed to modify a payment if it increased the payment. I was then told that I could get on a payment plan that would require me to pay approximately $ 4000/month for 6 months which could be extended another 6 months until my account was current, but that the denial was not complete and that they were still working on the modification. I received an email notification that there was a new document on the loan and when I logged into the website, I saw that there was a modification denial letter. I called back the mortgage company to inquire about the payment plan again since the modification had been completely denied and I was told that I am not eligible for the payment plan any longer because they had sent out a demand letter for the total monies past due on the loan which is {$16000.00} within 30 days. I told that mortgage company that I do not have the money and I would not have it within 30 days. I asked what would happen if I didn't pay it in the 30 days and the mortgage company told me that they would foreclose the very next day and sell my house. I can not lose my house because I am a single mother of XXXX and I am caring for my sick mother as well who is on XXXX. I really need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX Missouri is reporting a monthly payment for a charged off account Please verify and delete all inaccurate accounts
Product: Credit reporting or other personal consumer reports

I request persuant to FCRA 605B ( 15 U.S..C & 1681 C-2 ) that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identify in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding ths CFPB complaint be sent to me via email to the email address
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Both my Performance Savings and Rewards Checking Plus  accounts have been " suspended '' for over a month now, for no reason and I am unable to access my funds at all. On the account, it says " Your deposit account ( s ) are suspended. Please call us at XXXX XXXX XXXX XXXX  for more information. ''. I called the number on XXXX XX/XX/2024 and submitted any information they needed online, and rep on the phone said they had no visibility into the situation and no details as to why my account was suspended and I just have to wait. It is now XXXX and I still do not have access to my money, with XXXX explanation. This is the second time Upgrade has suspended me without reason.
Product: Credit reporting or other personal consumer reports

Hello, My mortgage account XXXX was transferred from XXXX XXXX to Shellpoint. 
I found out about the transfer upon logging into my XXXX XXXX  account and seeing the loan was transferred notification with no any further information. 

Ive made MULTIPLE attempts to reach out to Mr.Cooper via phone, app and email to find out who the new company was in order to make the payments and no such information was provided. 

XXXX point failed to send a customer notification to inform me that they are in a possession of my loan. 

They failed to send me any information AND any of the invoices. No any communications were received even though customer service rep confirmed over the phone they had my email and phone number all along yet no attempts were made to contact me. 
Instead they falsely reported my account to credit bureau while failing to send an invoice. 

I found out my account is past due yesterday upon receiving email from XXXX credit services. 

As a result of failure to follow legal requirements and promptly inform the consumer of the loan transfer and send timely invoices, XXXX XXXX caused my XXXX XXXX to drop from XXXX to XXXX. 

I expect company to take responsibility and remedy the damages they have caused.

Im looking forward to your timely response. 

Kind regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/23 XXXX XXXX  XX/XX/23 XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I demanded a debt Validation with the third party debt collection agency XXXX XXXX Which I received thanks to consumer financial protection bureau. Upon review of the the paperwork I received, it shows the wrong balance because GAP paid the financing company and the financing company did not report the payment to the third party debt collector.
Product: Bank account or service

TCF overdraft fees. I have accumulated tons of over draft fees due to one day all checks are posted and the next day they are pending. Also, A SMALL CHECK COMES IN FIRST AND SOMEHOW THE LARGER 2nd checks gets paid so an overdraft is charged on the 2nd smaller check. complaint to them do no good and each time there is a new explanation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Hameroff Law Group, P.C conducted a Hard Inquiry on my credit report with XXXX credit bureau. This was unauthorized as I have not spoke to this company nor know who or what they are. Hard inquires are only supposed to be done at the request of the individual. This appears to be a Law Group based upon a XXXX search. I find it disturbing that they were able to obtain my social security number and run a hard inquiry on my credit without my consent or knowledge. I would like to have this issue resolved as this appears to be a fraudulent act. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

These in injuries are unauthorized I have no knowledge of them. I have identity theft case going on as I text this message. My identity XXXX case started in the XX/XX/XXXX. 
The police report number is XXXX The officers name : XXXX XXXX XXXX : XXXX XXXX police department XXXX, ny phone number : XXXX. 

On the specific dates below are unauthorized Inquiries. Someone is still using my name there trying to get a XX/XX/XXXX car. Pardon my XXXX. But these Inquiries are hurting me when I try to get funding. 

XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a piece of different information from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please correct this damaging data immediately. 
DEPT OF EDUCATIONXXXX XXXX Balance : {$6500.00}, XXXX XXXX Balance : -, XXXX XXXX Balance : {$7600.00}
Product: Vehicle loan or lease

I purchased an auto back in XXXX at a contracted monthly payment amount of {$570.00}. Loan number XXXX. I go online to look at account and I am seeing my monthly payment amount is now {$660.00}. I did not receive any documentation of contracted payment change from {$570.00}, the last time I see online statement of contractual amount of {$570.00} is back XX/XX/XXXX. I have asked for over 11 extensions due to various hardships overtime of which I do understand the final payment at the end of contract in XXXX would be significant to be paid. I am wanting to know being my contract monthly payment is {$570.00} since XXXX and I pay this original contracted agreed amount instead, would I incur additional fees being it would be less than {$660.00}, putting me in more of a hardship??