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

The credit bureaus are violating my rights not obeying the laws in place by the fair credit reporting act. Ive sent Transunion, XXXX and XXXX certified mail 3 times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining i have not had a proper investigation performed and how they are violating the fair credit reporting act. These consumer report agencies are in violation.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to consumer to any consumer reporting agency If ( i ) the person has been notified by the consumer, at the address, specified by the person for such notices, that specific information is it accurate; and ( ii ) the information is, in fact, inaccurate.

They also didnt even record the current status of the disputed information which is another violation.

I can go on and on. 

The credit bureaus have no respect for the laws. 

Somebody needs to be held accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXXXXXX XXXX who my Mortgage was with through Mortgage Solutions today on XXXX XXXX and spent over 2 hours trying to get to the right person to help with the situation. The associate XXXX hung up on me after XXXX mins of working. 

I was in forbearance from XXXX - XXXX of XXXX  and then approved on XXXX XXXXXX/XX/XXXXXXXX  for a partial claim after receiving a bill for ~ {$36000.00}. I am now trying to finance a home and can not due to a single 120 day late charge reported on my credit. 

XXXX stated on a recorded line that she could see that there were corrections reported to in the past and that it was put into the system for correction and never completed. This is unacceptable and needs to be corrected immediately as the lack of action from the company is causing financial damages to my family and life. 

This single 120 day late payment reported is impossible as there are no XXXX or 90 day lates prior to that. XXXX of XXXX  my mortgage was bought by XXXX XXXX and the late payments were reported in error by them as well. Please reference CFPB Complaint ID XXXX. 

There were issues with XXXX  XXXX at the time of the reported late charges and according to the XXXX XXXX  claim, that is what caused the reporting issue. I do not know if Mortgage Solutions have the same system as XXXX XXXX  but the open ticket number if recorded correctly by XXXX is XXXX.
Product: Payday loan, title loan, or personal loan

I have recently faced the unfortunate situation of losing my job, which has caused financial strain and difficulty in meeting my bill payments. During this time, I encountered an advertisement from OneMain Financial offering a short-term loan. Without thoroughly reading the fine print, I proceeded to obtain the loan. However, I soon found myself falling behind on payments and struggling to afford both the loan and the company 's charges. 

To my dismay, OneMain Financial offered me another loan with a slightly higher amount to assist in paying off the initial loan. However, this came with additional fees and an increased interest rate. As a result, I am now burdened with the obligation of paying {$230.00}, and failure to do so would lead to my account being sent to collections. 

In my attempts to find a solution, I reached out to the company to negotiate a smaller payment. They agreed to accept {$110.00} on XXXX occasions, but after that, they expressed their inability to assist further. Compounding the issue, each day I am unable to pay the full amount, the interest continues to accrue, similar to a car loan. 

Had I been aware of these unfavorable terms, I would have never taken out the loan. It is clear to me that OneMain Financial has put me in a difficult situation without showing any concern for my well-being. I am in desperate need of assistance. Any help you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2015 XXXX XXXX : {$23000.00}
Product: Vehicle loan or lease

From XXXX XXXX Pac Auto Finance has been charging me gap insurance even though I have provided them with insurance on several occasion. They reported this to my credit bureaus for a year causing false reporting to the credit bureaus. Even though I paid my monthly bill due to the extra fees it reported for a year only {$1.00} to the principal. The additional fees cause my credit to spiral in repetitive false reporting. I forward my insurance on several occasions and has the insurance company to forward via mail and fax since XX/XX/XXXX. 

I forward the company a letter XX/XX/22 requesting all fees to be removed and was meet with threats of non removal of fees for requesting all contract and removal in writing via mail. I have yet to receive this information and now the car in in default with the threat of repossession. I am low income and this has cause an extreme hardship to my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted XXXX  and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed
Product: Debt collection

need validation showing my signature and not just a bill that's not proving that its mine..show me something with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your email Experian, you seem to be confused about my request to have negative items removed from my credit report. you Experian are committing fraud! According to chapter 15 U.S code section 1681 states a consumer report should not include a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. to put in layman terms the experiences reported on my credit report like utilization is not permitted. all accounts on my report showing balances should be removed immediately! my accounts should show zero balances. all inquires should be removed. furthermore it also states that my report ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. you have all my personal information shown to the public and this violates my rights to privacy. this puts me in harms way and in danger. have all my information removed as soon as possible. Adding on ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. this is self explanatory i did not ever gave you consent or permission orally or written to furnish my personal information. this is IDENTITY THEFT! XXXX XXXX XXXX XXXX. 
The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection. Experian why are posing as cfpb. you are a third party. reseller of my information. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. 
XXXX XXXX XXXX XXXXXXXX. 
show me proof of any agreement that allows you to do this. if not you admit to knowingly breaking my federal laws and putting my life in danger.
Product: Money transfer, virtual currency, or money service

I made a wire transfer on the XXXX of XX/XX/2022 of {$17000.00} through TD BANK to XXXX XXXX XXXXXXXX XXXX  account of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has received the funds but the recipient has not received any funds yet. XXXX XXXX is still holding the money without sending me a refund nor sending it to the intended recipient. TD bank says they can not recall the money since it has already been transferred. Kindly help me to retrieve my money bank. Thank you
Product: Mortgage

Again, I received a letter from Nationstar Mortgage on XXXX XXXX, XXXX dated XXXX XXXX, XXXX. In the letter they claimed that my HAMP Tier 1 and Tier 2 were declined based on XXXX eligibility requirements. Secondly, they claimed that I did not send them all the documents requested from me, and also I did not send them promptly. These claims are lies and not true. Every time they requested documents I faxed the documents to them ASP same day through the fax number provided in their request letter. I have boxes full of the documents faxed to Nationstar Mortgage. Attached are the XXXX letters I received from Nationstar, XXXX in XXXX XXXX, XXXX, and the other I just received in XXXX XXXX, XXXX. The reasons for the denial of my HAMPs Tier1 and Tier 2 are totally different in both letters. Attached are the XXXX letters. They are not consistent with the reasons for the denial of my HAMPS Tier 1 and Tier 2 modification. Also, attached is the letter I received on XXXX XXXX, XXXX for your perusal.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint against Uplift, due to reporting my account 30-59 days late. The company stated my due date was XX/XX/XXXX but I received a text and email stating final payment was due XX/XX/XXXX, which the payment was made XX/XX/XXXX. The company agreed that caused confusion, therefore, they decided to remove the negative reporting completely from my credit report. A few weeks ago it was removed but was added back on XX/XX/XXXX to my credit reports. I hope this matter can be resolved.
Product: Credit reporting or other personal consumer reports

I have collection accounts on my credit report and late payments that do not belong to me. I want the accounts removed from my credit report. Here is my FTC report as well. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, both my debit card and phone were lost and stolen, along with my girlfriends phone and cards, from her purse. The thief or thieves made multiple fraudulent and unauthorized charges, totaling over {$1000.00}. I had deposited money into an ATM around the same time the fraud began, but I did this because I had an upcoming payment of approximately {$1200.00}. Despite this, my bank claims it was obvious I was involved due to the ATM deposit, which is not true. 

The bank also pointed out that purchases were made from my phone, but I was able to track and recover it. They argued that XXXX XXXX requires Face ID or a passcode, but this is incorrect. My phone did not have those features enabled, which made it easy for the thieves to access XXXX XXXX. I also filed a police report and have the case number as evidence. 

Unfortunately, my bank has not been helpful in resolving the situation, leaving me behind on my payments and with little recourse. I am seeking assistance in addressing the fraud and recovering the funds.
Product: Credit card or prepaid card

I have been a member with USAA for over 25 years. Have always had excellent credit. I have been late on a credit card payment by only a few days maybe XXXX times in 20 years. NEVER multiple billing cycles. I set up automatic payment in late XXXX or early XXXX of 2022. USAA never contacted me to let me know it was not set up correctly. They claim they sent XXXX letters in XXXX and XXXX notifying me of an outstanding balance - I never received this. However, I have received multiple emails and letters from my insurance through USAA - nothing that there was something amiss with my credit card. 
I have spoke with USAA for over XXXX hours today- they tell me there is nothing they are willing do to do rectify this. I am requesting I set up automatic payment correctly, USAA did not notify me there was a problem with my account or a deliquincy, I need this rectified. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off as well
Product: Vehicle loan or lease

MAS Financial stated over XXXX was charged off and our balance was a little over XXXX. Now theyre reporting that we owe over XXXX. This company is FRAUD and they keep adding unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a two week span dating from XX/XX/XXXX to XX/XX/XXXX, I was looking to buy a new car since my old one is due for a severe amount of repairs. I had several hard inquiries into my credit but since the payments offered were so high, I decided to not buy a car.
Product: Mortgage

Was emailed by my current mortgage lender about a HELOC back in XX/XX/2022. I contacted the company SunWest Mortgage to inquire about this program and they assigned me a loan originator, they collected some information and explained that I would receive documents to sign. I did complete that and then waited for further instruction. I was not contacted again until I initiated the status update. They indicated they could not pull credit because of a lock on my account. I explained the lock had been removed and they were ok to proceed. Another week or so went by and never heard a word. I followed up again and he explained I still had a lock on my file. That again was not true. They finally pulled credit and the process continued. I then received disclosures however upon review everything was filled out for a property I have not owned in XXXX years. I received an invoice to pay for an appraisal for that same property which was not my current owned property that I was applying for the HELOC on. I was assured that all would be fixed and disclosures etc would be resent. I never received anything. Continued to not hear any updates at all. I sent several emails and phone calls and never received any responses until I started inquiring to speak to managers. I was finally contacted back and said they were getting it all fixed. Still have not heard anything back. This is going on a XXXX month process now and the whole situation has been messed up from the beginning. I would like this to be resolved as soon as possible or my credit report repaired and the inquiries they caused removed.
Product: Credit reporting or other personal consumer reports

My information was leaked in the data breach in identity theft. I contacted companies and asked for verification letters and I asked for them to remove the reports. Under section XXXX they should have removed them. Can you please help me get these reports removed
Product: Mortgage

I received a letter stating I owed {$24000.00} last year. This year they show I owe {$61000.00}. They are adding all the interest at 11 % since XXXX. They said the loan matured in XXXX.
Product: Debt collection

I am filing this CFPB complaint against the Professional Bureau of Collections of Maryland because they reported to my credit reports an account without contacting me first upon receipt of the account. I showed a missed phone call on XXXX, XX/XX/2021, and then I received a letter on XXXX, XX/XX/2021. Upon receiving the letter, I called and paid the {$73.00} that day. 
They should have contacted me first to give me a chance to pay prior to putting it on my credit bureau report. The original party, XXXX XXXX XXXX XXXX did not report this to the CRAs, but upon receiving this they PBC of Maryland did. Per the FCRA, they should have notified me of the change of ownership prior to reporting to the CRAs under their name.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I recently noticed that there recorded on my credit report that there were late payments on the following XXXX XXXX account numbers : XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. 
Your company is in clear violation of the law. Under 15 USC 1681B permissible purpose of a consumer report the law clearly states in general subject to subsection C. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( No. 2 ) In accordance with the written instruction of the consumer to whom it relates. Did I give written instructions for this to be on my credit report? No, I didnt give permission for this to be on my credit report.

Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ). Exclusions from a consumer report clearly states : ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term consumer report does not include : Subject to section 1681 ( S ) 3 of this title any : - Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete this late payment and these accounts from my credit report immediately. This agency is in clear violation of 15 USC 1681. Failure to respond gives me the legal right to take legal action against your company as you are in clear violation of the law. And the law clearly states that under civil liability based on 15 USC 1681N that I can and will seek a {$1000.00} per violation if the matter is addressed based on my requests.

If you fail to delete the late payments and update the account to pay as agreed and delete these accounts from my credit report then I will be forced to file a lawsuit against your company and seek a {$1000.00} compensation for each violation.

The violations that I will seek compensation for or as follows : - Defamation of character ( Pr Se ) Negligent enablement of identity fraud Fair Debt Collections Practice Act Fair Credit Reporting Act -violation for willful non -compliance.

It is my hope that we can resolve this matter amicably and that I won't have to take the matter to court so as to get you to abide by federal consumer laws. Kindly inform me in writing when the adjustments that I have requested have been carried out. 
Thanks in Advance Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

equifax has taken more than 30 days to investigate my dispute it has been more than 2 months and they are stiill investigating my dispute and have not responded to my dispute or removed the infomation that i disputed i demand that the disputed world finance accounts be removed as it has been more than 30 days it ha been more than 60 days and they still have not completed my disputes for the world finance accounts i demand that they are removed since it has been more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with New York State Consumer Protection Department for your biased and illogical methodology in scoring my credit rating. I have no debt, I pay my credit card bills in full every month on time. Your tracking system is incorrectly assessing my credit card purchases that do not reflect that they are mostly used in my businesses. 

I have a " Good '' credit card rating. In two years I've had FOUR inquiries and yet you give me a XXXX score. I have no mortgages, no lawsuits, no outstanding debt. I have no college loans, I have no uncollected bills. I have a high six-figure annual income. High worth stock portfolios and a manufacturing business started in XXXX I have an annual revenue stream from real estate investments of over {$1.00} XXXX. There is something wrong with your rating system and it needs to be fixed. 

No debt, no outstanding loans, high net worth, high annual income and you somehow classify me with a XXXX score. 

My complaint to New York State is that your system is dramatically faulty and inaccurate. I want this to be addressed and expedited to your executive management staff. 

If I have to turn this into a lawsuit I can assure you it will prove my point.
Product: Mortgage

I have been trying to apply for a modification for the last three years. The required documents that the lender needs was requested by the lender every month for 12 months and then in the 13th month I would be denied for incomplete documents. The lender stated that in several of the 12 months that the documents were complete. I and my Hud counselor are having this problem.