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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This 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 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

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XX/XX/XXXX, XX/XX/XXXX or Equifax to resolve anything. Data has also been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus ;XX/XX/XXXX, XX/XX/XXXXand Equifax, must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt collection

Portfolio Recovery has failed more than 3 times to provide me with the original instrument of indeptedness is its original form. i have contacted them repeatedly but all i received was a generic answer using their e oscar and not the proper documentation.
Product: Debt collection

To whom it may concern, I was recently advised of appearing on a collection agency report due to an unpaid balance of {$950.00}. I would like to dispute this collection off my credit report as I have paid the full amount due to Apartment Complex : XXXX Apartments, as of XX/XX/year>. 

On XX/XX/year>, a money order check was created in the amount of {$950.00} paid to XXXX. 
On the same day, the money order was mailed from postal office using the XXXX XXXX + Sign Off on retrieval. 

On XX/XX/year>, XXXX states that the check was received and signed off for. 

On XX/XX/year>, I was called by ProCollection advising of the false claim of an unpaid balance. After speaking to the representative, I reached out to the apartment complex requesting for an account balance update as well as requesting a XXXX XXXX letter. The apartment complex stated my account in fact was at a {$0.00} balance and that my account should have not been transferred to a collection agency. They also stated they have a direct line with XXXX Collections making it sound like this is a reoccurring issue.
Product: Debt collection

They are sending out robotic messages to not only myself but two other references that they may have in regards to me implying that they are some type of legal entity by the messages that they leave. Demanding that the people report to them about my whereabouts. I have contacted them 3 times already. I have refused to validate my social security number but I did give them my name. They assured me they would continue to keep calling until I verified it. I told them to cease and desist and I have sent them a written cease-and-desist order.
Product: Mortgage

Received a deceptive letter in the mail. Header of the letter states : " Understanding FNMA Enhancements ''. This letter includes misleading header of " Your Economic Benefits '' from the " aggressive enhancements '' made to XXXX XXXX eligibility? This letter gives the reader the impression that the XXXX ( XXXX ) are providing some " economic benefits ''. This letter is a ploy for a refinancing solicitation from JFQ lending, Inc. NMLS ID # XXXX a Mortgage Broker, XXXX AZ . I believe this has the potential to fall under UDAAP regulation as a potential violation of deceptive and abusive solicitation practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX  ARE DEPICTING XXXX XXXX, ACCT # XXXX .... 
WRONGFULLY ON MY BUREAU REPORTS. 
THE ACCOUNT DEPICTED IS INACCURATE AND INCOMPLETE.THE REPORTS TO NOT SHOW THE MONTHLY PAYMENT WHICH I PAID BRIEFLY ON THIS FRAUDULENT LOAN. 
THE LOAN APR WAS NOT EXPLAINED TO ME WITHIN THE 72 HOUR RECISSION PERIOD SO THAT I COULD UNDERSTAND THAT THE UNMENTIONABLE UNCONSCIONABLE OVER 100 PER CENT APR LOAN AND DECLINE IT.ATTACHED IS THE COURT ORDER REQUIRING THIS AS A PERMANENT INJUNCTION.I HAVE ATTACHED THE CFPB COMPLAINT AGAINST THE CREDITOR WHO UNSIGNED THE RESPONSE AND REFUSES TO MENTION THE APR RATE OR THE CA SUPREME COURT CASE THAT DETERMINED THE 100 PER CENT PLUS APR LOANS VIOLATE THE CA BUSINESS AND PROFESSIONS CODE. 
I HAVE ATTACHED DE LA TORRE VRS CASHCALL, THE CASE THAT THE SUPREME COURT CONCLUDED IN 2018. 
ADDITIONALLY IF THIS HAD BEEN A LEGIT LOAN XXXX SLEPT ON THEIR RIGHTS TO SUE TO COLLECT.THE STATUTE OF LIMITATIONS FOR THIS IS 4 YEARS ... HAS BEEN 6 YEARS. 
XXXX IS DEFUNCT YET STILL FIGHTING IN COURT TO KEEP THE MONEY THEY DEFRAUDED THE PUBLIC. 
THEY ARE DOING A FANTASTIC JOB WITH THE WORLDS BEST LAWYERS. 
IN BOTH CREDIT FILES THE MONTHLY PAYMENT IS NOT REPORTED INTENTIONALLY AND IS A VIOLATION OF THE FCRA.THIS IS DONE INTENTIONALLY SO THAT THERE IS NO RECORD OF THE INTEREST RATE ON FILE ... THE MATHEMATICAL COMPUTATION CAN NOT BE DONE AND THE EVIDENCE IS HIDDEN ... BUT THIS ALONE IS SUFFICIENT FOR XXXX AND EXPERIAN TO DELETE THE ACCOUNT IN ENFORCEMENT OF THE FCRA THAT THEIR DEPICTIONS MUST BE ACCURATE AND COMPLETE HIDING NO IMPORTANT SUBSTANTIVE INFORMATION SUCH AS THE MONTHLY PAYMENT, PAYMENT TERM AND DATE OF FIRST DELINQUENCY. 
I HAVE ATTACHED THE VIOLATED INJUNCTION, THE SUPREME COURT CASE, THE CFPB RECENT UNSIGNED RESPONSE OF XXXX HAVE ALSO ATTACHED MY MEDICAL RECORDS OF MY 4 XXXX. 
THE XXXX CAUSED XXXX AND XXXX XXXX PRIOR TO THE INCEPTION OF THI S LOAN AND MADE IT MUCH EASIER FOR THIS PREDATORY LENDER TO DUPE ME INTO SIGNING WHAT THEY WANTED.
Product: Student loan

Mohela is coming up with a loan amount over double what their calculator states it should be. I have requested multiple times what they are using to determine this number and they aren't responding with this information. They are giving a lot of nothing in their response letters. I would like this to be escalated to the ombudsman. This has been months. I have also asked them to call me to discuss, but they just want me to call and spend hours on the phone on hold, or get disconnected when it should be transferred to a rep and then have to call all over again. Also there is nowhere on their website that has the numbers they are using to determine this inflated amount of monthly payment, this isn't transparent and fraudulent.
Product: Mortgage

I did a modification with my prior loan company XXXX XXXX back in XX/XX/XXXX. The modification 's effective date was XX/XX/XXXX. The first payment due was on XX/XX/XXXX. As soon as the modification process was complete and before the XX/XX/XXXX effective date, the loan was sold to Carrington Mortgage Services. Lower LLC did not send copies of the modification to Carrington Mortgage Services. I made contact with Carrington and they told me that my load n was in forbearance and it would not end until XX/XX/XXXX. I called back to them on several occasions to make sure nothing was due because I wanted to make sure nothing went wrong with the mortgage. I also sent Carrington a copy of the modification from XXXX XXXX by uploading it to the customer portal so they could see what the terms were. I sent the copies by email again in XX/XX/XXXX. No one from Carrington contacted me until XX/XX/XXXX to let me know that I owe for XXXX and XXXX on my mortgage. I called Carrington several times to make sure I didn't owe anything and all they told me was to wait until the forbearance was up on XX/XX/XXXX. They told me that they appreciated my calling in to check on the mortgage. 
I do not blame anyone but myself for putting my mortgage at risk financially but thought i could get the help I needed without finding myself almost back where I started. Carrington gave me a couple of options that were not at all beneficial for the customer. One was to redo the modification which meant that my APR would jump probably 3 to 4 percentage points because of the current rates. The other was to pay all 3 payments and get caught up. I just felt some of this responsibility should fall back on Carrington because I repeatedly called in to check so something like this wouldn't happen and obviously it did. There just seemed to be no giving from Carrington making me believe that they are not accepting any responsibility for the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

BYL Sevices furnished derogatory information to XXXX XXXX and XXXX. BYL Services did so without notifying me 30 days prior to, or no later than 30 days after such furnishing. BYL Services violated a statue of the Fair Credit Reporting Act, section 623, subsection ( 7 ) ( A ).
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit card

I have a 30-day missed payment from my two credit cards that have been issued from Genesis Financial Services . Indigo and Milestone credit cards I have had these credit cards for over 3 years. This is the first time I missed the payment due to unexpected events. Since the past due date of the payments, they started to keep calling my wife and harassing her with phone calls from different phone numbers. Neither she is a co-signer nor an additional card owner from this financial institution. Although my wife has no information about whether these payments have been made to them or not and politely requested that she not be called about this issue, calls are still received from different numbers from the same creditor.
Product: Checking or savings account

On XX/XX/2021, I attempted to make a ATM cash deposit at the branch located at XXXX XXXX XXXX, XXXX XXXX NY in the total amount of {$900.00}. I inserted XXXX ( {$20.00} ) bills, the ATM machine rejected the deposit and only return XXXX bills ( {$580.00} ). I am missing XXXX ( {$20.00} ) bills which equates to {$320.00}. I called customer service while still in the branch and provided all the pertinent info ( ATM ID # and location ). The customer representative XXXX created a claim ( ID # XXXX ). I was informed that a technician will be onsite by XXXX to open up the machine and perform an investigation by counting all the funds to determine the discrepancy. I called the following day on XX/XX/XXXX, and were advised that the claim is still pending and it can take XXXX hours for a conclusion. I called the following day on XX/XX/XXXX and was informed that it can take up to 45 days but would have some information within 10 business days. I express my concern with my financial situation and that the money is needed for food for my children. The representative submitted a hardship request for a credit to be applied until a resolution is officially made. I called again on XX/XX/XXXX, and was informed that the hardship request was only documented on the claim and will be taken into consideration for approval. The hardship approval request takes approximately 10 days. I requested to speak to a manager, no one was available so the representative requested my phone number and advised that I should receive a call by end of business day. Today is XX/XX/2021 and I have not receive a phone call and my claim is still pending. My children are still without the funds needed to put food in the refrigerator. Please help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX I set up auto pay for my Bank Of America credit card. All payments were made and came out on time until I got a call in XXXX saying that I was 30 days late for a payment. I questioned why the payment was not automatically taken out since the funds were in my account. I was told that I was set up on " scheduled payments '' and not autopay. I immediately paid the entire amount due followed by setting up true autopay. After about another week I paid the balance in full. 
Bank of America reported this to the credit bureau which I was not aware of until much later. 
On or about XX/XX/XXXX I disputed this through XXXX XXXX and also with BOA to rectify the situation as it was not my fault this payment was late. Had the bank taken the payment or notified me sooner that they did not take the payment automatically I would have corrected this issue immediately. 
It is also my understanding that due to the XXXX  ( XXXX   XXXX XXXX XXXX ) that if I am on XXXX XXXX orders then they can not default or negatively report to any agency. I am a Missouri XXXX XXXX member and I am on active XXXX orders ( which can be provided ). I was on these orders at the time of this incident, and I remain on these orders still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am repeatedly seeing incorrect information in my credit reports that is either not updated continuously, or incorrect information is constantly being reported. It is not fair to be held to a standard to information in your credit report, but the information being reported continues to be reported inaccurately. For example, there is information that was reported on an auto loan that I just paid off beginning of month of XXXX, that was just reported showing that it " changed accounts '', and was included in the Chapter XXXX bankruptcy. This bankruptcy was discharged many many years ago and has nothing to do with this auto loan, that has now been paid off. Further more, information from this same company reported a late for the month of XX/XX/2020, when I was waiting for them to confirm my new monthly payments, as my previous contract had expired even though I still had a large balance of {$3500.00}. Someone needs to look into this because obviously no one is really managing this, but the information is quick to be uploaded to your account to affect your history. This is unfair and I think I need to get my lawyer involved so that he can review what is going on with these credit bureau companies, and these Creditors that are reporting inaccurate information constantly. This is my first step. My next step is to get my lawyers involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has a bunch of incorrect address, names and phone numbers that I have never been associated with, this I consider to be slanderous or offensive. the AKA names are both incorrect and either mesh my name with my siblings name or just outright misspell it. On top of all of this I have never signed an XXXX XXXX form with this XXXX XXXX XXXXXXXX XXXX, this form is to prevent or limit the misuse of anyone 's social security numbers.
Product: Credit reporting or other personal consumer reports

I checked my credit and I found that there are 3 accounts and multiple inquires that can't be verified as accurate this data on my credit report are not 100 % accurately reported and it is not 100 % correct as it should be according to the law! I'm aware from studying the fcra and the fdcpa that it is a clear violation of the law that are in place to protect each consumer like me that these credit reporting companies don't report any data or information that has not been proven 100 % accurate not 90 % or 95 % accurate no it has to be 100 % accurate or has to be deleted plain and simple! It says it in the FCRA that any and everything on my credit report has to be 100 % accurate on my credit report according to 15 use code 1681e ( b ) and 15 usc 1681i ( 5 ) this data on my credit is a huge violation of not reporting 100 % accurate this is ruining my perfectly good reputation! For this violation I can get {$3000.00} in a lawsuit against these companies {$1000.00} for each violation! I am educated on this matter as you can see so please stop treating me like a uneducated consumer because as you can see from this complaint I'm far from that!!! 
oh yeah and don't send no computer generated stall letters to my house like y'all did before this another violation come on now I know this stuff like the back of my hand!
Product: Credit card

On XX/XX/year>, I booked a car rental reservation with XXXX in XXXX, XXXX. The problem was that I later found out from the car rental company ( by calling locally and internationally and their website where the provided confirmation number didn't even exist ) that there were no rentals available ( none were available anywhere due to ski season ). When I reached out to XXXX about this concern, they refused to cancel and lied that they could not reach the rental company XXXX XXXX XXXX ). It was an endless runaround where they refused to provide any evidence that confirmation number even existed. In a dispute with the issuer of the card I used, I relayed all these concerns but they completely ignored them in adjudicating my dispute by letting XXXX to use a form response ( including that I canceled for a partial refund after fighting with them for hours but the transcript and email chains I provided clearly show I had no choice after my concerns were ignored ). American Express is facilitating the commission of fraud by the dishonest customer support of this website and failing to protect and help exercise my rights under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have disputed XXXX XXXX XXXX XXXX XXXX  with not favorable out come. 
I am wanting to buy a home and I am unable to do so because of the the damages on my credit report according to 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 



This is a defamation to my name.
Product: Mortgage

This complaint is an addendum to XX/XX/2022, " CFPB complaint # XXXX, requesting arbitration. 

" Shellpoint '' has since provided more information proving breach of contract, violating RESPA, and UDDAP in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Macys credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. Macys said they mailed me a letter however, I did not receive them and then my area was severely hit by hurricane XXXX. 
I spoke to Macys regarding this problem and paid the credit card off immediately. I have spoken to Macys several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. 
I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. 
Urgency is of the Essence. 
Macys told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to XXXX.
Product: Mortgage

I XX/XX/2018, I tried to close a XXXX balance HELOC with Bank of America. They did not close the account due to the charge of a XXXX dollar re-conveyance fee. After I was informed of the XXXX dollar fee, I paid the fee and they still will not close the account because they decided to impound flood insurance. I have an elevation certificate, so I do not pay flood insurance anymore. They started charging me flood insurance ( I do have a first mortgage on the home and they do not require flood insurance ) When I pressed the B of A flood department for more information, they lacked basic flood knowledge. The did not know what a LOMR was or what pre-firm meant on a flood map ... ( real experts ). They told me to call FEMA ( which I love to do during hurricane season because they have nothing to do ). I do not have time for their incompetence. I asked several times for a licensed individual to talk to or someone with an NMLS number that could be held accountable. They did not provide anyone who was licensed despite numerous requests. 

I asked them to close account in XXXX ... still not done
Product: Debt collection

XXXX XXXX I requested the proof of debt from XXXX XXXX and stated that I wanted to dispute the amount from the original debt owner as it was incorrect. They did not provide the information. The last phone call I received from them they stated they were going to sue me and I was going to jail. I also received multiple calls a day approx XXXX. XXXX XXXX shared my social security number and birthrate with various companies in XXXX. A civil action was filed and they never sent me the information or made an attempt to resolve the account.