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

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I have many complaints about BetterXXXX But I will start with the monetary one. I closed refinancing a loan on XXXX. The consummation closing disclosure statement said I was to get back {$1200.00} wired to my bank account. I was wired {$1100.00}. That would have been correct if I had closed on XXXX. I brought this to their managers attention and I was told that I was wrong. 
My closing agent would not take my calls. She was always not available and would not call me back. I went on line and scheduled phone times for someone to call me. No one called. I tried calling them after 15 min of waiting for a call. Still no one would talk to me. 
My whole process of refinancing was a nightmare. I thought that if I used one company for all 3 of my refi 's, it would be simpler. It was not. I had to answer the many, many same questions 3 times. I should have quit months ago. I started in XX/XX/2021. I finally closed on XXXX. There were multiple delays. One 3 week delay I was told was because their title company could not figure out how to write in our names for the title. The only change required was for one person who got married and therefore changed her name. Finally I found this out and told them how to write the names for the title. 
I asked that the costs at closing be as close to zero as possible. I got big refunds. 
It took so very, very long for them to close my loans that my new loan amount was very high compared to the amount of my payoff XXXX about {$2000.00} on each loan ) and I had to pay for 3 payoff statements. I am still waiting to get that money back from my old mortgage holders. I closed on XXXX today is XXXX and I have not received word from them. 
Lack of communication and accountability were numerous.
Product: Mortgage

. I am writing to express my concerns regarding the current state of my mortgage account with PHH Mortgage Services, bearing the account number XXXX. I kindly request a thorough review of the account in question. 
The mortgage account in question was initiated in XX/XX/XXXX by XXXX XXXX XXXX, with a XXXX term loan agreement. The original principal balance of {$160000.00} was established at that time. Since its inception, the account has undergone several transitions, including transfers to XXXX XXXX XXXX, XXXX, and Ocwen, before ultimately being serviced by PHH Mortgage Services. 
One significant event in the history of this account was a loan modification in XXXX, necessitated by financial difficulties that led to a shortfall in payments during my tenure with Ocwen. Despite this modification, which aimed to facilitate smoother repayment terms, I have encountered persistent challenges in understanding the dynamics of my mortgage account. 
As of today, after diligently fulfilling payments for 20 years, the outstanding balance on the account stands at {$140000.00}. Given the passage of time and my consistent efforts to meet my financial obligations, I find it disconcerting that the balance remains considerably high, especially considering the initial principal amount and the duration of payments made thus far. 
Despite my attempts to seek clarification from the lender, I have been unable to obtain a satisfactory explanation for the discrepancies in the account. As a senior citizen nearing retirement, this uncertainty regarding the mortgage 's status and the significant financial investment it represents is deeply concerning. 
Therefore, I humbly request a comprehensive review of my mortgage account by your institution. I seek clarity regarding any factors contributing to the deviation from the initially agreed-upon terms, as well as any potential avenues for resolution or adjustment that may be available. 
Furthermore, I would appreciate timely communication regarding the progress of this review and any subsequent actions that may be taken to address the concerns raised.
Product: Debt collection

That account has been opened fraudulently without my knowledge. The company has not provided the original application/agreement with my signature like I have requested on XX/XX/2022 and XX/XX/2022. The billing statements that were sent have inaccurate information. Therefore, I have requested from the company a copy of the original application/agreement with my signature along with the company 's original purchase agreement. I have asked on two different occasions to send other information that does not include billing statements and I have not been provided that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

AmeriCredit is reporting unauthorized credit inquiries on my XXXX  credit report. There are two inquiries both dated for XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my Credit file. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. 
I discovered unauthorized and fraudulent transactions on my account, and I promptly contacted your institution to report the fraudulent activities. Since then, I have made several attempts to rectify this situation, including reaching out to your customer service department, submitting detailed reports, and following the prescribed procedures for disputing unauthorized charges. 

Regrettably, my experiences thus far have been marked by a series of setbacks and a lack of progress in removing the fraudulent items. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. 

There has been a lack of clear and consistent communication throughout this process. Timely updates on the status of the investigation and the actions being taken would have provided some reassurance during this stressful situation. 

To my dismay, the fraudulent items persist on my account, leading me to question the effectiveness of the measures taken to address the issue. 

I understand that addressing fraud cases is a complex matter, but as a concerned customer, I expect a higher level of diligence and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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: Checking or savings account

This is Capital One third time posting the charge of {$460.00} to my account and Ive provided them with how the company didnt not fulfill the services and how the services was not fully rendered as instructed. Capital one keeps posting this to my account without my consent and as a consumer I do not appreciate this at all when I have done my part and they believing a corporation over a consumer
Product: Debt collection

On XXXX XXXX, 2018, I received a call and a voicemail from someone identifying themselves as an " authorized representative of the Ohio Attorney General. '' He represented that he was " with Reliant Capital Solutions ''. Obviously a state Attorney General would not authorize a debt collection company to contact people on its behalf. This tactic is deceptive and undermines the both the role of the Attorney General as upholding the law, as well as undermining the rule of law in general.
Product: Debt collection

I haven't been to a doctor in almost 7 years, so it is impossible that I owe a medical debt from 4 years ago as they are alleging. They claimed to have provided proof of the debt to the credit bureau, but that's impossible because they would need a HIPAA release form that I have never signed nor provided. This is medical fraud, and they are either lying, or providing falsified documents.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX Program Attention : Disputes XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer may have given you whether written, unwritten, verbal and non-verbal per XXXX XXXX XXXX. 
GreenSky is in violation of the following : 15 USC 1681b 604 ( a ) ( 2 ) 15 USC 6801 15 USC 1691 ( a ) 12 cfr 1002.2 ( c ) ( 1 ) ( ii ) EQUAL CREDIT OPPORTUNITY ACT ( Regulation B ) Per Internal Revenue Service publication 4681, canceled debts are considered income. A charge off is a debt that has been canceled, therefore the placement of this debt directly violates the FCRA which does not include income as permissible information.

The Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

According to 15 USC 1692k, it is my right to pursue damages for civil liability for every instance of violation for this debt established in 2020. I intend to pursue it. 



XXXX XXXX XXXX
Product: Mortgage

Ditech Financial did not notify me of any change in my required mortgage payment, as required by my mortgage agreement. I sent timely payments in for XXXX & XXXX 2016 & these checks were cashed by Ditech. There was an adjustment in my adjustable mortgage ( {$16.00} increase per month ) which Ditech failed to notify me of at any time. Ditech reported these XXXX payments as " 30 days past due '', thereby ruining my XXXX score, and failed to correct their error when I requested that they do so. ( Ditech at no time ever sent me any coupon books or monthly mortgage statements, or invoices, despite my request for these ). 
Ditech also refused to refund an over payment I made to them relative to a payment which they deposited some time after my mortgage was paid off in full in XXXX 2016, and to return these funds which legally belong to me
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$5500.00} Date Opened XXXX XXXX, XXXX TransUnion XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several letters to XXXX XXXX last letter ( XX/XX/2022 ) to verified Security Credit Services acct # XXXX XXXX reply back ( XX/XX/2022 ) Verified. 15 U.S.C 1681G I received a letter from Security Credit Services ( XX/XX/2022 ) as notice that the account was closed in there office. When I requested Debt Validation.
Product: Credit reporting or other personal consumer reports

Paid on XXXX XXXX totaled {$8800.00} the balance was {$1800.00}. It now should be {$1700.00} but not reported to the bureaus it still shows a balance of {$1800.00} on my reports, Ive spoken to several Macys representatives, they went to expedite the correct balance, but hung up the phone and never called back. Im working on building credit this happens all the time every month online it shows that Im due on XXXX XXXX but today is XX/XX/2024 There was also a purchase in XXXX for {$97.00} but not reflected in the transaction reports when I called to track
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no selection specifically for my issue. I recently had a large charge to an emergency credit card specifically for medical emergencies. Transunion negatively impacted my credit score by XXXX points. The other two credit reporting agencies negatively impacted my credit score by XXXX point. Transunion also never raises my score regardless of how much debt I pay off, or any other positive things to better my score. It very often will vary from the other two reporting agencies by XXXX points. This is a continual problem with Transunion and is a very serious issue when looking for safe housing and looking to buy a home. Transunion only ever raises my score or clears old things off my report if I continually contact them. 
I've tried to rectify this latest issue with Transunion but their website is terrible and it just tells me there was an error and my complaint wasn't filed. When you speak to someone on the phone they are incredibly rude and its clear they have no desire to actually help you. 
I've been having this Transunion issue for years. Please please please hold them accountable and make this stop. It shouldn't be a fulltime job to babysit Transunion when I already need to stay closely on top of my credit due to multiple security breaches from third party medical billers, disgruntled medical office workers and straight up ransom security issues companies don't rectify.
Product: Checking or savings account

The amount of XXXX was made on X/XX/2017 by me to the XXXX  accounnt of XXXXXXXXXXXX for a XXXX purse that she claimed she was selling. This account is her husband 's XXXX account. She told me to send money under friend and family because she did n't want to pay the fees. The order got canceled, I did not received what I paid for nor refunded even though I had asked for signature for confirmation. I have tons of proofs that this person was a scammer. I contacted XXXX, there was nothing they can do. I contacted Bank of America, they said there was nothing they could do because the way the payment was processed through my routing number and my checking number. I think it is not right how I got scammed for my money and theres literally nothing anyone can help me. BOA said if i used my debit card, it would have been a different story but how do I put my debit card info in XXXX. My card is linked with my account and thats how I believed it should be the same thing was used in XXXX. Please help.
Product: Credit reporting or other personal consumer reports

This morning, I discovered some incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser to see if it was a temporary error, but the inaccurate accounts remained. Because of this, I kindly request that the documents I provided be carefully reviewed so I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account Military star was closed and charged off on XX/XX/2019 Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not hav an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : This is a violation. Chargeoffs accounts should NOT report each month with active payment history. 

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

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$88.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$860.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The financing company repossessed my vehicle after EVERY single payment was made on time and then not even 24 hours of it being late they repossessed it for being Late. I had to pay repossession fees AND also hefty fees to the financing company ON TOP of my already HIGH payment. MY bank told me that they should have at least tried to bill my auto payment twice or three times before REPOSSESSING the vehicle. It was IN my bank account. NOW my credit report shows that I had a missed payment. 

Also CURRENTLY I have made EVERY SINGLE payment BEFORE the agreed upon date each month so my credit report SHOULD show the actual payments. I am NOT happy about the fact that the Equifax only shows I paid until XX/XX/XXXX when that is INCORRECT. I have paid EARLY every single month for this ENTIRE YEAR. I want the credit Bureaus to reflect the CORRECT payments. All it states on my credit reports is that it is current but only shows that I made payments through XX/XX/XXXX. It should be showing XXXX and XXXX both of XXXX as well. 

View all accounts XXXX XXXX XXXX XXXX Co - 2 Missed Currently on-time Overview You've paid off 10 % of the original amount. 






Balance {$19000.00} Highest Balance {$21000.00} Monthly payment $ 583OpenedXX/XX/XXXX ( 1 yr, XXXX mos ) Term66 months Payment History Youve made 88 % of payments for this account on time. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Current Current Current Current No Info XXXX No Info Current Current Current Current Current Current 30-59 Days Late Current 30-59 Days Late Current Last paymentXX/XX/XXXXCurrent Payment StatusCurrentWorst Payment StatusNo Info Account Details Account statusOpenTypeAutoResponsibilityIndividualRemarksConsumer disputes - reinvestigation in progressTimes 30/60/90 days late2/0/0 GO TO EQUIFAX Creditor Information XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, MI XXXX ( XXXX ) XXXX