23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I traded my car the new company that was supposed to pay off the old loan did not pay accordingly so now it shows late payments on my credit reports which in fact are not my fault I asked for them to be removed multiple times from the company and Credit bureaus with no success also I wrote to the credit bureaus about removals of unauthorized inquiries without success these problems are hindering me from accomplishing my goals
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Security Credit Services though XXXX XXXX, filed a police report with XXXX PD, called them requested copies of proof of debt, received the account information sent copy of the XXXX report to them, showing they got the wrong person. Yet still they refuse to remove from my credit report. Been disputing this on my credit report XX/XX/2018. Still no removal.
Product: Credit reporting or other personal consumer reports

I had a collection account on my credit report that was not mine ( XXXX XXXX ) and I paid the negotiated amount in which they agreed to delete it from my report and they have not.
Product: Credit reporting or other personal consumer reports

I Filled A Dispute On XXXX XXXX Creditor Due To The Account Being Sold To Harris & Harris , LTD . XXXX Denied to follow up with the investigation And it was applied to XXXX. I recently was notified that CFPB has filed a lawsuit against the company XXXX .They alleged the company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my credit score tremendously XXXX and XXXX violated my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I have made several attempts in requesting help from Equifax in regards to two collection accounts on my credit report. XXXX XXXX is the owner of these alleged accounts and they have only supplied proof of these debts existence in the form of " printed-out '' statements and bills, although i have requested legal proof such as a contract, promissory note or agreement bearing my signature .I have submitted all documents supporting my dispute to Equifax and they have failed to respond. Equifax has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing XXXX XXXX to continue to report negative, inaccurate information that they have not proven to be legally mine.
Product: Bank account or service

First Bank refused to give back or honor my Promissory Note created in accordance with XXXX, Federal Reserve Act section 13, 31 U.S.Code 5103, 18 U.S.XXXX 8. This dishonor is covered by XXXX XXXX. The Note was supposed to go to XXXX XXXX it was dropped there by mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Product: Mortgage

Newrez Mortgage I have XXXX yr mortgage and have a long history of making additional " principal payments '' with my balance payment each month. I have never requested the additional/over funds payment to be applied to following monthly payment - Newrez has appropriately applied the overpayment to my " principal '' ever since they purchased/assumed loan from prior company. 

XX/XX/2023 - My monthy payment posted to my account. I included large overpayment ( exceeding XXXX  due amount- of which I have done before ). 
XX/XX/2023 - XXXX  payment posted to Pay off the Loan including Daily interest amount. 

Upon of review of these postings. Newrez applied the XX/XX/XXXX posing for XXXX monthly payments - Current and following month- then remaining balance for principal. On XX/XX/XXXX they repeated this same processes. 

Newrez received my payments and " booked them '' in a manner to a future payment not requested - these transactions were in Newrez Best Interest and My Worst Interest - MOVING MY LOAN payemt out XXXX  MONTHS WITHOUT CONSEST and Financial Considerations of my money to a unknow holding account. 

XX/XX/2023 Contacted/ requested resolution. Representative said will forward to Department to Correct, but left me without any follow-up or contact information after requesting.

In Summary, No Mortgage Company should be allowed to " manipulate customer funds '' in their best interest without consent of consumer/borrower. As a borrower I should be able to speak and have professional follow-up with a Lender - just like ALL Consumer Purchases - " not check back in XXXX  days ''. I believe the actions of this Company were intent to Defraud me of my payments which may have resulted in a Balance Owed to Me- choosing to defer payments and resulting in More Money Owed to Them.
Product: Debt collection

I XXXX XXXX am filing this complaint on my own accord and will. There is no third party present in or helping in the creation of this complaint I XXXX XXXX consumer, natural person, and original creditor of an open end credit plan was harmed by XXXX XXXX Santander XXXX XXXX XXXX Santander consumer USA specifically under XXXX XXXX XXXX consumer awareness, when i called to ask why my substitute check attached to my statement for remittance purposes was not clearing for deposit at the FDIC institution i bank with. I was immediately disconnected from the call after the XXXX from another department waited almost an hour with me on hold to get me to the XXXX of customer service and explain the issue i was having. A deposit in fact was made with their institution via my credit card and open end credit plan pursuit to 15 U.S.C. 1602 - Truth In Lending Act in which they are required to issue remittance coupons with periodic statements to consumers to show credits due to that said consumer. The adverse actions taken against me are seen as willfully noncompliance with the federal law as well as negligence towards a consumer. XXXX XXXX Santander XXXX XXXX. is now civilly liable to me pursuit to XXXX Cfr XXXX as well as 15 U.S.C. 1611 up to { {$5000.00} }.
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. 

Accounts : XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX  XXXX 15 USC 1681 section 602A which states that I have the right to privacy 15 USC 1681 section 604A states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 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

I am writing to bring to your attention a matter of significant concern regarding deceptive practices by Academy Mortgage, relating to my recent home loan experience. I completed the loan process and closed on XX/XX/XXXX, only to discover undisclosed charges for buy-down rates just three days before the closing date. The loan officer was aware that there was a cost for the interest rate that was presented to me and failed to disclose the cost. 

The lack of transparency surrounding these additional costs, left me in a vulnerable position. The decision between accepting unexpected expenses or facing homelessness was forced upon me due to the loan officer 's unethical actions. Attempts to address my concerns were met with a dismissive response, indicating a lack of willingness to address the issues at hand. 

Numerous attempts to contact the loan officer and management have proven unsuccessful. The rate was only locked in at the last minute, despite my request 30 days prior and I am left uncertain about the details of the rate buy down. This situation raises serious concerns about how many others may have closed on loans under similarly pressured circumstances. 

They presented the seller to increase the sale price of the home to the appraised value. Then they used {$9000.00} of that amount to pay their down fees. I came out of pocket with the other XXXX. 

I implore the CFPB to investigate this matter thoroughly. Your attention to the deceptive practices employed by Academy Mortgage and their potential impact on consumers is crucial. I believe that such actions should not go unchecked, and the responsible parties should be held accountable for their unethical behavior. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to safeguard consumers and uphold fair and transparent lending practices.
Product: Debt collection

I get several scam calls about Credit card debt, they harassed me at a difficult time I make payments and its like I never made a payment. Im tired of the scams and high interest I told them I never have certain credit cards before, they still harassed everyone report to my landlord Im stuck and cant get rental due to their reports..
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against several credit reporting agencies for what I believe to be violations of federal laws concerning the reporting and disclosure of my credit information. My concerns are based on violations of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, the Gramm-Leach-Bliley Act as well as 15 USC 1681 where the credit that is reporting should be 100 % accurate.

The credit bureaus are in violation because all three bureaus are not reporting the same information for one specific company.

1. Violation of 15 U.S.C. 1681a Exclusions : According to 15 U.S.C. 1681a ( 2 ) Exclusions ( A ) ( i ), credit reports should not contain information solely about transactions or experiences between the consumer and the reporting entity. I have observed that my credit report contains detailed transaction history, which appears to be in violation of this provision. This inclusion of transaction history is not only contrary to the FCRA but also impinges on the accuracy and fairness of my credit report.

2. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : Under 5 U.S.C. 552a, no agency shall disclose any record contained in a system of records by any means of communication to any person or to another agency without prior written consent from the individual concerned. Specifically : Student Loans Reporting : My credit report contains information regarding my student loans that appears to be disclosed without my written consent. This disclosure is a potential violation of the Privacy Act unless it falls under specific exceptions such as routine uses or needs for the record by agency employees performing their duties. 
The law provides exceptions for disclosures, including : To officers or employees of the agency who need the record for their duties.

Required under Section 552 of this title.

Routine uses as defined under the Privacy Act.

Census or survey-related activities.

Statistical research or reporting records that are not individually identifiable.

3. Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Under 15 U.S.C. 6802, financial institutions are prohibited from disclosing nonpublic personal information to third parties without proper authorization. I have noticed collections on my credit report that appear to have been shared with third parties without my consent, thereby violating this statutory requirement. The unauthorized sharing of my information is a serious concern and warrants immediate review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a debt validation request via USPS certified mail to Franklin Collection Services. The company received it on XX/XX/XXXX. A copy of the letter will be attached. Franklin Collection Services NEVER validated this alleged debt but still reported it to the credit bureaus. On XX/XX/XXXX, I sent a None Response letter to them, and it was received on XX/XX/XXXX. To this day, Franklin Collection Services is still reporting this unverified, erroneous item on my report and have not validated it. They are illegally placing it on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, there were XXXX separate XXXX withdrawals of {$5000.00} each from the nonprofit XXXXXXXX XXXX  Children 's Relief Endeavor account while I was on the phone with B of A fraud division. It all started when I received a call from someone claiming to be in the fraud department of Bank of America asking about possible fraudulent activity on the sacred account. The phone caller id was from B of A and the caller was able to ask me about charges on our sacred checking account. As we talked, he was sending me text messages about our account confirming his identity and the text messages came on the same text stream as my previous B of A messages. He asked me about a XXXX transfer of {$5000.00} that was occurring, of which I had no knowledge. I became suspicious so I asked my wife to call B of A to see if he was really their representative and to make sure this was not a fraudulent call. I kept the original caller on the line while we contacted B of A. I informed the B of A representative what was happening, and the representative thought it was suspicious and locked my account. She then transferred me to sales to open a new account and close my current account. The fraudulent caller then dropped off the call. 
After opening a new account, they transferred me to the XXXX team because, while I was on the phone with B of A, and the account was being closed, XXXX more {$5000.00} transfers came out of my account. The XXXX fraud team asked me to submit a claim. XXXX weeks later, the claim was denied. I called and appealed, and they requested a police report, which I forwarded. Again, my claim was denied. 
I called again and was told that I authorized the XXXX transfers, and I approved the text authorizing them, which I did not. The rep said all she could do was reopen the claim, but I would most likely get the same answer. I have not heard anything since. 
I am at a complete loss because I reported the fraud while on the phone with B of A fraud and, although the account was locked, the withdrawals were still processed. The breakdown occurred, in my opinion, because the B of A representative sent me to sales to close and reopen my account rather than directly to XXXX fraud. The block they put on my account did not stop the additional {$10000.00} in XXXX withdrawals. Bank of America has not borne any responsibility in this matter, and they should. My claim was denied on XX/XX/XXXX. I appealed and it was again denied on XX/XX/XXXX. I wrote to the CEO and again, his response on XX/XX/XXXX was the claim was again denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am a victim of identity theift since 2012 I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was deported out of the country for identity theift but he 's been gone 7yrs now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were 44 credit inquires in 2 yrs and 5 delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not XXXX XXXX because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since 2012 and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX  because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can breath and be comfortable I thank you for taking the time to read this. I truly believe in God and that somehow the true will be seen.
Product: Checking or savings account

In the previous report XXXX. 
They should not be allowed to say there was no fraud then hide the proof of fraud from me after closing the account out. Give me the phone number in their files they said I could not get over the phone. 
The company keeps denying me access to the information and reimbursement for someone who took over my account twice. In their last explanation they have incorrectly stated that the problem was reported two weeks after. Thats not the case as of XX/XX/year> my account was on hold due to suspicious transactions done on a day I was not in any bank XX/XX/year> ( it had been skimmed prior ). If I withdrew from XXXXXXXX XXXX before this incident that would make sense that the skimmer was there when another transaction was done. Someone at XXXXXXXX XXXX XXXX XXXX XXXX did something to my account and withdrew an amount after skimming my card information and changed my XXXX XXXX account twice using another Phone Number that was not from my information. When XX/XX/year> hit and this happened again. Thats why they closed out my account and had me file a fraud report in the first place. Every previous response from this company has been a lie and I will be saving for civil court along with letting the Attorney General know about this company. There excuse this time is that there was a chip, however those can be copied as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan reporting in my credit report for {$170000.00} from XXXX, account number XXXX .... The issue is that I never went to college and never applied for any student loans or co-signed for anyone. I have been disputing this account with Equifax, XXXX, and XXXX  since XX/XX/2020 - requesting that they contact XXXX and have them provide me with documentation proving this debt is mine ( a copy of the original contract with my information and signature on it ). I have yet to receive one response back from any of the credit bureaus or XXXX. I sent dispute letters for this account to the 3 credit bureaus and section 609 request letters to XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 but, still no response. This is crazy!
Product: Credit reporting or other personal consumer reports

THIS A FOLLOW UP. THE LETTER HAS FTC REPORT ATTACHED. 

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have been paying in my private loan that was originally through XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX. The loan is being serviced by navient now. XXXX XXXX has been found guilty for fraud and settled out many cases and so has navient. I have struggled to pay this long since XXXX. All of my federal loans have been forgiven through the borrowers defense program due to fraud and i was refunded by the department of education. This loan should also be forgiven because it was for the a school that was found guilty for fraud. I can no longer make the payments and the option to defer or put in forebearance is not allowed. I am currently going to file for bankruptcy and adversary for this loan because i feel that it should be forgiven like the others. I make under XXXX dollars a year and i have a dependent. I cant afford to pay this loan for a company that was found guilty of fraud. 
I only borrowed XXXX and the loan amount has doubled. I have paid anywhere from XXXX to XXXX dollars a month on this loan and the principal has not went down. XXXX said that i would have to pay XXXX $ dollars or more to actually touch the principal of the loan that is now XXXX. XXXX also stated that they can now lower the interest rate for me. I dont understand how this loan has doubled. I would like for this loan to be XXXX, removed from my credit report, and Id like to be refunded for every XXXX i paid just like my federal loans. XXXX XXXX and navient have been found guilty for misleading and mishandling loans of many students. Navient and XXXX XXXX have settled cases for millions of dollars and i think i she be included.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


EQUIFAX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.