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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

I have recently been unfairly denied credit because of information that has been included in my file. I have recently reviewed the copy my Credit Report report and I have found information that I believe to be inaccurate. The letter stated it was due to SERIOUS DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH I have worked really hard to raise up my credit score and feel this information is not right and is inaccurate. Also all my accounts have never been paid late nor have they ever been delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent / unauthorized inquiries from XXXX XXXXXXXX XXXX on XX/XX/2022 and XX/XX/2022 or provide proof in writing within 30 days.
Product: Debt collection

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : 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: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( Trans Union, XXXX and XXXX ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )
Product: Vehicle loan or lease

I first contacted TD Auto Finance on XXXX XXXX, 2023 to get a lien release that we have never received. They told me it would take 7-10 business days. Never received the lien release. I contacted them on XXXX XXXX and they said to give it a few more days. On XXXX XXXX, I called again and got a run around. Here is a list of every time I called. 
XXXX XXXX asked for status XXXX XXXX they told me it was escalated and I should have it in 5-7 business days XXXX XXXX status, they are working on it. 
XXXX XXXX status, escalated again, this time to next day mail, also asked for a fax along with mail. 
XXXX XXXX called for status. I was told it would take 3-5 days for processing XXXX XXXX status, they are working on it XXXX XXXX status, they are working on it XXXX XXXX status, they claim they will have a tracking number by XX/XX/XXXX or XXXX. 
It is now costing money for fines and penalties.
Product: Mortgage

thursday, XX/XX/2020 regarding : Loan Number : XXXX rearding : Shellpoint Mortgage Servicing ( Is An Illegal Company! ) dear XXXX XXXX, this is Illegal! 
this is FRAUD! 

they ILLEGALLY added {$4000.00} interest since the covid virus started on to myaccount without informing ME! 

furthermore, i am on a payment plan that was approved of ( during the coronavirus pandemic ) to pay those payments back in 3 payments as Double Payments and now YOU do this to me which is FRAUD! 

they are NOT supposed to be charging or adding on any ILLEGAL LATE FEES/PENALTIES due to being Approved for a CoronaVirus Payment Plan Program! 

{$4000.00} = interest and {$54.00} Per Diem they Now Added thesefraudulentamounts since the covid virus started on to MY Account and Mortgage Behind MY Back! 

https : //www.shellpointmortgageservicing.com/ # XXXX they EITHER need to SPEAK TO ME ABOUT THIS and solve the problem! 
OR I AM STOPPING THE PAYMENTS AND CONTACTING THE CONSUMER FINANCIAL PROTECTION BUREAU AGAIN and XXXX XXXX XXXX again! 

this is a Big Scam! 

i have taken pictures as well! 
YOU have the Worst Mortgage Company Ever! 

XXXX XXXX XXXX enclosed, please find the attachments from your website showing YOU the NEW, ILLEGAL FEES that YOU have ADDED ON recently! 

cc : Consumer Financial Protection Bureau cc : XXXX XXXX XXXX
Product: Checking or savings account

There is a person in my account I can not control what he does. He is not with me, he is overseas, I do not know him, I am not on his side. He took my money, $ XXXX total. I filed disputes, reports with XXXX.XXXX, FTC, XXXX XXXX, and filed claims with AIG and XXXX because I am supposed to be protected as a member of XXXX XXXX  and XXXX but nobody has helped me. I dont know how to do anything that has been done for you to close my account, it was the last of several I lost because of this. I waited to report it because I did not want this to happen because now I have no accounts. I am not a hacker, I am not a suspect, I do not do fraud, and I dont prey on other people. Thats what they do to me all my life. 

I am sitting in the dark because my utilities turned off, my ten+ vehicles and trailers are stolen by landlords or are in impound now, my insurance has lapsed, I have no food to eat, Im locked out of my storage units, and my move to Kansas has been stopped in its tracks. Years of planning destroyed by a foreign hacker and XXXX banks that couldnt have my back and just return my stolen money so none of this would be happening to me. I didnt want any of this to happen, I was so close to my goal of making it out of XXXX XXXX XXXX but I have been stopped in my tracks and all my hope has now been shattered. You dont understand what I have been through to come this far and I have been waiting patiently for that claim money to be returned to me in spite of everything around me falling apart so I could have a chance to survive but you have taken that hope now completely
Product: Debt collection

I have tried to contact the debt collector to ask questions the number is not in service, I have tried checking the account online and it says I dont have an account with them. I have never had power through XXXX XXXX. From the research I did online XXXXXXXX XXXX  is known for scams and the recently filed for bankruptcy. I was very shocked to see this collection on my report. I have tried to dispute the charge with XXXX  and XXXX XXXX XXXXm waiting back to hear about that. However, this is definitely a fraudulent abd I want it off my account. 
The account was opened on XX/XX/2022, amount : {$150.00}, Trident.
Product: Mortgage

Recently, I received notice from the state of NJ that my homestead rebate was sent directly to my mortgage service provider, Wells Fargo. I called Wells Fargo several times and they finally told me that I had to provide proof that the state of NJ sent them the money. It was never applied to my taxes ( as my taxes are included in the mortgage payment ). Please help I do n't know how I can prove they received the homestead rebate in the amount of {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased windows for our home XXXX a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you XXXX XXXX
Product: Debt collection

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : URGENT Dispute and Removal Request - Erroneous Account and Missing Payment History Dear Equifax, I am writing to express my extreme frustration and concern regarding the inclusion of an erroneous account on my credit report ( XXXX XXXX  ) maintained by Equifax. The presence of this account, coupled with the significant omission of payment history dating back to 2015, not only fails to provide a true reflection of my credit report but also violates relevant sections of the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account and the necessary steps to rectify the missing payment history. 

I wish to highlight the following issues : 1. Erroneous Account : Equifax is reporting an account on my credit report that is completely inaccurate and misleading. This egregious error is tarnishing my credit history and causing significant harm to my financial standing. Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand the immediate removal of this erroneous account from my credit report. Failure to comply will result in legal action being taken against Equifax.

2. Missing Payment History : Equally concerning is the omission of payment history dating back to 2015. The absence of this vital information further distorts the accurate portrayal of my creditworthiness. Equifax is in violation of section 605A ( a ) of the FCRA, which requires accurate and complete reporting of payment history. I demand that Equifax promptly updates my credit report to include the missing payment history, ensuring a true reflection of my creditworthiness.

Given the severity of these issues, I demand that Equifax takes the following immediate actions : 1. Account Removal : Equifax must remove the erroneous account from my credit report within 15 days from the receipt of this letter. Failure to do so will be seen as a willful violation of the FCRA, subject to legal consequences.

2. Payment History Update : Equifax must diligently investigate and update my credit report to include the missing payment history from 2015 onwards. This information is critical in assessing my creditworthiness, and its omission is unacceptable.

I expect a written response within 10 days from the date of this letter, confirming the removal of the erroneous account and outlining the steps taken to rectify the missing payment history. Additionally, Equifax must provide an updated credit report that accurately reflects my credit history, in compliance with the FCRA.

Please be advised that I am prepared to take further legal action, including filing a complaint with the appropriate regulatory authorities, should Equifax fail to rectify these issues promptly. I trust that Equifax will prioritize this matter and take the necessary steps to resolve it in a timely and satisfactory manner. 

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

On XX/XX/XXXX, I ordered a article from XXXX and used the flex pay option to pay with my credit card. It was denied. Today I received a letter stating that they did a credit check using that credit card. I called customer service today and they stated they did not run a credit check on me. I disagree and I never authorized XXXX to run any type of credit check.It does not say anywhere on this site that this would be done. It improper use of my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX
Product: Checking or savings account

after submitting complaint - i have noticed that i was given a XXXX monetary relief - that does not take care of all the other charges still leaving my account negative. this is not right .... overdraft charges of over XXXX and all i get is XXXX relief after banking with wells fargo for over 5 years - and i have tried to make arrangements with bank with no success. several phone calls - and emails and no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cr furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat cik payment on a credit card account under an open end consumer credit plan as late for Purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally noticed a hard inquiry on my credit report on XX/XX/2019. Called Issuing bank and requested to have the account closed due to identity theft. 

Noticed on XX/XX/2019 that the account now has a balance of {$890.00}. Called Synchrony again on XX/XX/2019 at XXXX PST. Spoke with XXXX, and was told no one ever documented that I wanted the account closed or that it was fraudulent. Explained I called before, and XXXX stated he would close the account and take care of the issue and I would not be responsible for the outstanding balance due to it being fraudulent. 

Since then, I have put a fraud alert on my 3 credit bureau accounts, as well as freezing my credit files. 

I received a letter in the mail on XX/XX/2019 from Synchrony bank with a NEW credit card. I called on XX/XX/2019 at XXXX and spoke to XXXX . He stated that they decided to open a new credit card to pay for the amount due on the account that was previously closed, because they determined it was " my account ''.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent out 3 despite letters to all 3 credit unions along with proof of the settlement agreement with an account. XXXX removed the account and experian is refusing to remove the account they only decreased the balance. On XX/XX/XXXX experian adjusting the balance insted of removed the account. On XX/XX/XXXX I received the mail return that that had got all my paperwork. 
I settled in court with the company on a agreement that I sent in to experian with the proof from the court that the obligations of the agreement on my half were fulfilled. 

I have all the paperwork ready to go to be sent to the cfpb in full details on the matter.
Product: Mortgage

3 1/2 years ago I move to XXXX from XXXX XXXX XXXX. I was trying to sell the house in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on a short sale. My realtor and the broker were working with the mortgage company ( Green Tree Financial ) to try to sell the house. Several buyers were rejected by the mortgage company until two years ago in XXXX 2014 when I received a court order for what appears to be a foreclosure notice. In the court order it names XXXX, DBA XXXX as the note holder. After that I started receiving monthly bills for the mortgage from another company named DITEQ. At this point I do n't know if the foreclosure still ongoing. I have no idea who is handling the foreclosure notice ( either Green Tree financial or DITEQ ). Bottom line I need the foreclosure to be completed and stop this suspense that is causing nothing but health problems for me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves
Product: Credit card

My XXXX  opened a credit card account with discover bank on XX/XX/2021. The account was then closed and charged off with a balance of {$860.00}. I had no idea or knowledge of this account. I was in college at the time attending XXXX XXXX XXXX in XXXX, South Carolina. I confronted her about this account and she denied having anything to do with it. I questioned her again asking how did her old apartment address appear on my credit report and she said that she doesn't knhgow. I called Discover Bank numerous time to try to get this resolved however, nothing was disputed. When I spoke with Discover Bank they told me that the account was opened in my name however, my sister added herself on as an authorized user. I had no knowledge of this at all.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX my husband and I purchased new windows from XXXX XXXX. The sales representative for this window company offered us interest-free financing for 18-months through them. We agreed that this was a good deal, made a down-payment and signed up for the financing. 

There were production delays and the windows were installed in XX/XX/XXXX. A few weeks later Greensky called us to say our account was about to be past due. We explained that we hadn't received a statement. Immediately made a payment over the phone and signed up for automatic payments. We called XXXX XXXX to report that we were about to be charged a late fee even though we didn't have a bill. At the time that we made the payment I confirmed with the Greensky representative that we had 0 % interest on our loan until XXXX. I asked what the balance was, divided that by the number of payments between that date and XX/XX/XXXX and set up automatic payments in that amount so that we could get the maximum benefit from the promotion. 

In XX/XX/XXXX I saw a statement for our loan from Greensky indicating we had paid {$52.00} in interest this month and {$200.00} since the loan originated. It listed an APR of 24.99 % while also saying in bold that we have a promotion until XX/XX/XXXX. I called Greensky on XX/XX/XXXX and a representative explained that to this company " promotional rate of 0 % '' means that we will pay interest for 18-months and then the interest will be refunded to us at the end of the promotional period if we have paid our loan in full before then. 

This is obviously not what 0 % interest means. No-interest does not mean that a company will charge you, invest your money, and then return you that money minus any profit they made off it. This is an unethical and irresponsible business practice. 

I appreciate your efforts to look into this and to stop irresponsible lending by this company.
Product: Credit reporting or other personal consumer reports

Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I was never late, this is against TILA US Code 1666B. 

I discovered an inaccurate late payment record on my XXXXXXXX XXXX account [ XXXX ] when I just looked over my consumer report. I have consistently made my account payments on schedule. " Under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ), ''
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect a PayPal debt of {$860.00}, which is a fee that I never incurred.
Product: Credit reporting or other personal consumer reports

I have sent out certified letter and had a company send out letters XXXX times and, on each occasion, I have not received anything from either credit bureau to settle the situation. I have disputed negative accounts that are in collections and have not received word about any of the accounts nor have any of the accounts been deleted after multiple attempts.
Product: Debt collection

I sent a certified letter to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX on XX/XX/2019 asking for specific validation regarding an alleged debt. ( Letter enclosed ) On or about XX/XX/2019 I received a generic account summary report. ( Letter enclosed ) Prior to XX/XX/2019, I did not receive a dunning letter. I was also not given notice before/after of negative information being reported to all 3 credit bureaus.
Product: Debt collection

I am making a formal complaint about this debt from the University XXXX XXXX in the amount of XXXX, I have not received any notification about this debt since 2013 I have spoke to XXXX about this bill, with no response about a resolution. I am now being inform that the debt has been sold to a credit collection agency States Recovery System, Inc whom i have know contact information for or a written contract with.