23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports in XX/XX/XXXX from XXXX, Equifax, and XXXX am disputing some items that need to be deleted. There are inaccurate accounts and information listed on reports that I did not authorize anyone to open neither these companies to report on my history. I am assuming my information is at high risk of identity theft and fraud which is prohibiting me from acquiring a new home. 

Equifax Dispute Center received letter on XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Its been well over 30 days with no response from any companies. According to the provisions of the Fair Credit Reporting Act these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please see attached USPS Certified Mail Receipts of Dispute Letters sent to credit bureaus agencies.
Product: Mortgage

Need assistance or help with Truist bank where I am not able to get any help for last two years. 
Currently I have loan with Truist Bank in loan modification since XX/XX/XXXX ; making my monthly payments on time as requested. I have been calling every month and asking for status update to get this issue resolved since this caused me lot of trouble for not able to refinance or borrow the money which I needed when the interest rate was very low last year. Have contacted multiple times via emails, phone and other ways to get this issue address. Only the response I get from client service rep that your loan in modification and we will contact you. This is going on for last two years.. Now I have been trying to get 1098 form to file IRS tax for XXXX. I did not receive any 1098 form as well called few times again, no action taken and no status update after calling multiple times for last few weeks. I would appreciate if I can get some support on this issue or guidance to get this matter resolved asap with bank. I'd appreciate very much for the help. If you need personal info about the account and details, please feel free to contact me via email : XXXX or cell : XXXX Will appreciate a lot and thanks for looking into this matter! 

Rgds, XXXX
Product: Credit card or prepaid card

I filed a complaint to CFPB about  US Bank a nd without any proof provided by company ( records, bills any proof ) you closed account agreeing with Bank while not basing your closing on any evidence which I alone provided. The company lied as proved by my attachment which showed that account was n't closed and still listed as open with credit available to this day. This immoral acts done against consumers always happen wh en GOP in  power. It 's too bad that the CFPB has been housed with people who do n't believe consumers should have any power versus banks.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally complain about the handling of my disputes by the three major credit reporting agencies : XXXX, TransUnion, and XXXX. I believe that these agencies have not conducted thorough and proper investigations into the disputes I have submitted, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

To provide some context, I have submitted multiple disputes regarding inaccuracies on my credit report across all three agencies. Despite following the necessary procedures and providing supporting documentation, I have received responses that lack detail and fail to address the specific inaccuracies I raised. This has caused significant confusion and distress, as well as potential harm to my credit score and financial well-being. 

Here are the key points regarding my situation : Responses Received : The responses I received from XXXX, TransUnion, and XXXX were inadequate, lacking the necessary investigation and not providing clarification or justification for the inaccuracies. 

Impact : The unresolved inaccuracies have adversely affected my credit score and my ability to obtain credit. This situation has caused me financial strain and emotional distress. 

I respectfully request that the CFPB investigate the practices of these credit reporting agencies concerning my disputes and ensure they adhere to the legal requirements for investigating consumer disputes. I believe it is vital for consumers like myself to receive fair and accurate credit reporting. 

Thank you for your attention to this matter. I look forward to your response and resolution of this issue.
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 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 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage is serviced by LoanCare and from the beginning it has been an absolute nightmare. Our monthly payment should have been around {$1800.00} however our first payment and every one thereafter for 3 years was {$1700.00} according to the statements they sent us. I inquired about it and was told that was the correct amount due, {$1700.00}. SO that is what we paid, every month, on time for 3 years. Now all of a sudden our payment has jumped to over {$2000.00} because they realized they were not charging us PMI as they should have been all of this time. We have continued to pay our {$1700.00} because we were not notified of the change. Now our loan is in default and we are getting warning letters. I do not feel that because loancare screwed up for 3 years that is now our fault. I do n't mind paying the new payment amount of {$1800.00} going forward but I should not be responsible for their error for the past 3 years and be made to catch up immediately. Futhermore, they are no longer posting our payments. I made my XX/XX/XXXX payment and it cleared my checking account, they cashed the check but they will not apply it to the loan! Now my credit is affected poorly. A quick XXXX search of loancare will provide you with numerous other customers in my same situation.
Product: Credit card

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Former : XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXX Santander number : XXXX
Product: Debt collection

XXXX XXXX sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Product: Checking or savings account

I have been a user of CIT bank and they are not allowing me to transfer funds by wire despite authorizing me though phone call. I am in the process of purchasing a house and now my funds are stuck in my bank account. They say the reason I can not transfer is because my phone number can not be verified, even though they send me one time codes. I think this bank needs to be investigated for delaying and making it hard for consumers to access their funds so they can continue to invest the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed a few items to be in error. this item i paid in full and should have never been in collection. I even have an account with this same bank now. I dont think you would offer someone your services again who owe you money.
Product: Mortgage

I own a site condominium in Texas in which a lot has been subdivided into two discrete parcels that are entirely responsible for our own, fenced off areas of the land. We then carry a $XXXX   policy for the shared driveway which ends at separate driveways for each unit. My property was incorrectly entered into Specialized Loan Servicing's system as a standard, shared property condominium which would require an HOA master policy along with each unit carrying condo insurance. This would lower each individual's unit burden while shifting much of the liability to a master policy, it would end up being cheaper for me.Back in XX/XX/XXXX however, I received a notice that I didn't have adequate insurance coverage and that if I did not upload my policy, SLS would buy more expensive insurance that would potentially cover less than my own policy. I was terrified at the thought of having to pay for double insurance after legal, my insurance agent, and the underwriter reviewers approved of my policy (and required me to obtain homeowner's insurance) with the loan originator. I uploaded the shared property plan and my own insurance plan to the given insurance website and thought the issue was resolved as the website said I would hear back in ten days with a resolution. I never heard back. I got a second warning a few weeks later that I still had not uploaded the documents even though I obviously had -- when I went to the website, they showed the policy documents I had previously uploaded and didn't even offer the opportunity to upload additional supporting documentation. I called SLS the next day, explained the issue, and was told not to worry and the agent would resolve the case; it was just a system issue and she would take care of it.Two weeks later, I received another notice that I didn't have insurance and SLS would be purchasing insurance for me. I have now repeated this process six times. I have received six letters. I have called SLS six times, and each time their agents have been incredibly kind, quickly recognized the issue, and made me feel like my property was updated in their system once and for all. I even got policy cancellation notices for the policy that SLS purchased on my behalf and the money was refunded to my escrow account, I felt like I was finally in the clear. Today I came home and opened my mail to find another letter stating I did not have the proper insurance on my property and SLS will be purchasing insurance on my behalf. This is a stressful, tedious issue that isn't amusing to me anymore. I appreciate that systems go haywire, I've written software for major tech companies for a decade now and appreciate that enterprise systems are fickle but this is driving me insane. I have recordings of most of the phone calls and just want this to be updated once and for all. I'm angry at my originator for working with SLS if this is the type of company they are.I'm missing two of the letters but have uploaded seven that I received. I also have recordings of most of the calls but SLS has their own copies which are likely better quality.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  acct # XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Statesa consumer reporting agency can not furnish a account without my written agreement or instructions. thank you much for reviewing this matter. XXXX
Product: Debt collection

Focus Receivables Management calls every day and often more than once. I have asked them several times to please send me proof of the original debt, they deny this being available and continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I received my credit report information from experienwas breached Ive been trying to fix this situation out my own pocket since XX/XX/2021 {$830.00} credit repairs that have failed Im making official report Experian has failed to keep my information from getting breached and has effected my life tremendously financially.
Product: Debt collection

The issue stems from a traffic violation that supposedly occurred during XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXXXXXX sent me a letter stating that I had a violation in a school zone in XXXX. They sent me a letter stating that I owed money for this traffic violation. 
I called them and told them that the picture they have on the violation is not my vehicle. I had a XXXX XXXX XXXX. The picture shows a newer XXXX XXXX ( looks like the XXXX version ). The license plate is a New York license plate and I lived in Pennsylvania and had a PA license plate. The only thing the same is the numbers. Also my license plate was changed over in XXXX of XXXX because I gave my ex-boyfriend my car because I purchased an new one. 
They told me to not worry about this violation because many people got sent the wrong ones. I didn't worry about it, and now I have a debt collector trying to recover the debt. I also explained to them that this is not my car but nothing has been done about it.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CLARO 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

Creditone bank did not update for a long time, it gives a bad impact to me and my children.
Product: Student loan

I've requested to have someone call me to talk about a possible settlement option. 
I've been paying on this loan for years/decades faithfully and came into some money that could possible pay off the loan. I received an email from their customer service department that they won't be able to make any kind of offer. 

I've heard that Navient ( Sallie Mae ) will only talk to borrowers if they're account is in a default status. I believe this is very backwards. I want to pay the majority but not the entire thing since they've been capitalizing on interest with me for years/decades. 

If someone could please help me get an offer settlement on this loan, I'd greatly appreciate it. 

XXXX XXXX
Product: Debt collection

Call XXXX calls both numbers at same time! Talked to them, told them I could n't pay as required They call XXXX times a day, on both phone numbers!
Product: Student loan

I requested an Income-Driven Repayment Plan with XXXX on XX/XX/year>. It was received by MOHELA on XX/XX/year>. It has not been processed yet. This is preventing me from making payments towards my student loans that can be counted towards Public Service Loan Forgiveness.
Product: Debt collection

I have sent numerous emails and request for the file to set up a resolution to resolve the XXXX balance that is claimed I owe. I have not received a response. I have sent a request via their website to make payment arrangements and no response. I do not have a file number because they refuse to contact me regarding this matter to get it settle.
Product: Checking or savings account

On XX/XX/2022 I expected a direct deposit in my business checking account of {$3800.00}. Last month there was no problem with the direct deposit. I called the bank and was told there was no pending deposits, check with the sender. I got confirmation from the XXXX bank the deposit cleared their bank. Called Truist back and was told to keeping checking online because they dont show a pending deposit. It is now XX/XX/2022 and no deposit showing.
Product: Mortgage

First My name is XXXX XXXX and I am a victim of fraud from Seterus a company expert i lying and defrauding people. I am not on any mortgage note and the mortgage on my property is a fraud and Seterus is a Plaintiff that organized the vandalize the fraud the looting, theft of my property totaling {$260000.00} that they will pay one way or another. The confirmed that they reply but they are lairs with no respect for law and humanity. They never respond to any question and they are an embarrassment for our society. The biggest lair of this company is a cover-up artist luck a person with no knowledge of banking a person so confused that he can never make the difference between a fraud an a real mortgage I am a banker and the knowledge of this cover-up artist is only on how to lie to people and defraud them What is next they will put contract XXXX to XXXX my family too and reply toXX/XX/XXXX that they reply and the case is closed This company defraud people and lie without any shame. I will never stop until I get back my property Is the obligation of CFPB to close down such mortgage service provider since more people will lose their property to lies provided by this horrible service provider.??? Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. 3. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XX/XX/XXXX. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded