23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Threatened me by stating they were going to place a judgment, garnish wages, and freeze my account on me for a credit card from 2001 if I did not pay off. They had incorrect information about me this is not my account and even if it were they are not within the statutes of limitation.
Product: Mortgage

shellpoint mtg is attempting to collect flood insurance for the entire XXXX  building from me. they admit mistake but have not corrected. this is 5 months wrong. i have made my principal and interedt payments but the will not apply the payments and are now sending me default paperwork.
Product: Money transfer, virtual currency, or money service

Pay Pal allowed a company called XXXX charged me {$89.00} on XX/XX/XXXX. I never authorized this payment. Per Pay Pals policies, processes and procedures I have to contact XXXX and tell them I never authorized this payment. 

Pay Pal subsequently took {$89.00} from a payment that I had received from XXXX XXXX on XX/XX/XXXX. The payment was for {$230.00}. I never authorize Pay Pal to deduct a payment from a payment that I had received.
Product: Consumer Loan

Collector Spotlaon called threatening appearance before a Judge and an arrest warrant.
Product: Money transfer, virtual currency, or money service

I use my app bank of America to sent they money via XXXX and the person never received the money ... 
I call the bank several time .we go at the bank too ... they review the third part account and the know that he never received that money But the bank don't want to give me my money back
Product: Credit reporting or other personal consumer reports

After reviewing my credit report on XX/XX/2024, I noticed personal information that was not furnished by me to the credit reporting agencies : Experian, XXXX, and XXXX. After calling to correct the information and update it, they failed to removed non-mailable addresses and incorrect names on my credit report. They also refused to provide the names of the furnishers of the information found on my credit report. 
According to the Fair Credit Reporting Act, 15 USC 168 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Consumer reporting agencies Experian, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, and Experian are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize hard inquiries on my account affecting my credit score.

This company keeps pulling my credit score for no reason. 

XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I did not give them permission at all. 

Quicken Loan XXXX, MI XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Funding a debt collection agency has been reporting inaccurate information to the XXXX major credit bureaus. Years ago I received phone calls harassing me to pay off a collection debt. I simply explained that I 'm not able to pay, due to rough times. I asked them to please stop calling me. They never stopped calling so i changed my number. During the harassing phone calls they threatened me that they will report inaccurate info to prolong the 7 year fall off, until paid. It has been 8 years already and i recently paid the collection. Unfortunately, due to the inaccurate information they reported of being a collection account opened at a false date, is prolonging deletion. The original credit account was closed out and handed over in XX/XX/XXXX. 
Midland Funding is reporting, opened in XX/XX/XXXX. Simply to extend the 7 year mark. 
I contact XXXX, which is the original creditor. 
Being a very old charge off account, they do n't have record. 
Midland Funding is basically reporting whatever they find damaging towards consumers. Midland Funding is n't reporting actual dates from time of original close out event. 
Not only do they call and harass me back in XX/XX/XXXX. They literally made life difficult on getting approval of any loan. Its been 8 years and I still have them reporting inaccuracies to the credit bureaus. Despite paying them off, they still are a shady collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached information as I need your company to verify your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment reported by lending club during this coronavirus pandemic. As soon as I learned of this, I called to make payments to make my account current. I also re enrolled in autopay to avoid ever happening again. I have never been late prior. I had kindly written a goodwill adjustment letter and was denied the removal of the late payment. A remark was added to the report after my follow up phone call. A remark stating -affected by natural disaster.. If that remark can be added, why cant my late payment be removed. My credit score dropped 50 points. This all happened as soon as I was about to obtain a mortgage commitment for my home which I have been working on for the last year. I no longer qualify for my mortgage due to the late payment report. My new score is too low due to the 30 day late reporting. I have gotten a short extension to XXXX for the mortgage commitment. I am still trying to work with the lender about having the late removed and have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed being OPEN, but also having a past due. BALANCE of {$3500.00} This is a violation of the FCRA and is in violation of requisite XXXX XXXX reporting standards. 
According to the Fair credit reporting act. I have a right to completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please Immediately remove this account from my credit report and send me an updated report with all XXXX XXXX reporting standards and this account removed upon completion. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has messed up my credit report and because of them my credit score went down 15 points today. I have student loans on my credit report that were discharged due to a total and permanent XXXX, experian is reporting these loans duplicated on my credit report, there are two of  each of these accounts which are exactly the same accounts, the other thing is that they are reporting a balance on these student loans and there should not be a balance on a closed account, I checked all of my closed accounts and the balance are on {$0.00}, student loans are the only ones showing a balance. fix my credit now
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00}.
Product: Checking or savings account

Over 3 months ago, capital one made the decision to close both my accounts ( checking and savings ) with them and end our banking relationship just because I authorized the transactions I made using my debit card with them. I had {$82000.00} left in my checking account and {$50.00} in my savings account. The account was going to be closed and a check will be mailed out to me for the funds they said and it's been over 3 months now and I still haven't gotten my check or heard back from them. Each time I called they never have any information about it nor is there someone I can talk to from their supposed " back-office ''. I have called severally and it's the same XXXX  every time. It's annoying. I couldn't get gifts for my family over the holidays and now I'm struggling to pay my bills or even feed my family. I remember calling capital one to ask them to release a portion of the funds to me so I can pay some of my bills and they took down my information that they already had and said someone would call me. That was over a month ago and still nothing. I have no means to get my bills paid and racking up loads of credit card debt to stay afloat. This is beyond ridiculous at this point. There's no way it's taking over 3 months to close out an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It 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: Debt collection

Attempting to collect invalid debt that is unverified. Calling multiple times a day after asked to be put on a DNC list
Product: Credit card or prepaid card

My balance on XX/XX/XXXXon my Capital One credit card was {$490.00}, credit limit on the card is {$500.00}. I made a payment of {$490.00} on XX/XX/XXXX prior to the end of my billing statement to pay the entire balance off. Later that evening I confirmed with my bank that the payment was made. On XX/XX/XXXX I checked my bank account and it stated processed and had cleared payment to Capital One. I then received an email from Capital One on XX/XX/XXXX at XXXX thanking me for my payment that stated that my payment has been posted. On XX/XX/XXXX at XXXX I contacted Capital One because my account stated a {$0.00} balance but also stated {$0.00} available credit. When I called the recording stated the same information about my account and that they have received and posted my payment on XX/XX/XXXX for {$490.00}. I spoke with two people one named XXXX XXXX and both stated that they can release the available hold once payment had cleared and when I told them its cleared through my bank and they emailed me stating its posted I was told that they would call my bank and be on the line as I confirmed my information on who I was and then ask my bank for banking information to confirm the payment has been processed. When I told them I would not allow them to contact my bank and be on the line as I went through the security process to prove who I was and I would not allow them to hear my personal banking information they stated the credit would not be available until Saturday XX/XX/XXXX. I brought up all my paperwork I had received from Capital One about the credit agreement, that I have paid on time each month for over 6 months being with them, I have never had a payment returned, and that the agreement states when the payment is posted the available credit is then available. My issue is they are holding the balance payment until the end of the cycle which will then report to the credit bureau that I utilized 98 % of my available credit and it will charge me 24 % interest on a balance of {$490.00} next month because he said the balance would not have cleared prior to end of billing cycle. How can they hold my payment once out of my account for 5 days until after the billing cycle ends, zero out my balance for the next billing cycle, charge me interest when they payment was removed from my account 4 days before end of billing cycle, report the high credit utilization to the credit bureaus, and breach the credit contract of available credit when they have the payment in their system days before. When I make the minimum payment or anything under full payoff they have never withheld it or the available credit for 5 days.
Product: Credit reporting or other personal consumer reports

Notice of Intent to Sue Under FCRA Violations and Privacy Act and Truth and lending Act Violations for Willful Negligence. ( XXXX XXXX XXXX XXXX XXXX XXXX ) Stated My Claim had no Merit Who is she to say what has merit in a legal claim her Document is untrue and misleading. ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has to provide Necessary Disclosures of how they share my Private Non public Information and Give me Reasonable time to opt out of them Sharing Information to Non Affiliated third parties In which ( XXXX XXXX XXXX XXXX XXXX XXXX ) furnished information to the Consumer reporting agencies ( XXXX, XXXX XXXX and Equifax ) Im demanding this trade line be Delete from my credit file immediately. Its order ( XXXX XXXX XXXX XXXX XXXX XXXX ) Shall make the Necessary Changes within XXXX Calendar Days. Also update the Consumer reporting agencies of this legal Dispute. I am expressing all my Consumer Rights and Opting out Also I Direct the Consumer Protection agency to Remove all Dispute Statement from my Consumer File, I also Direct the Consumer Protection Bureau to communicate with XXXX XXXX, Equifax and XXXX for compliance
Product: Credit card

I am writing to formally dispute unauthorized transactions that have been charged to my credit card. Below are the details of the issue : On XX/XX/year>, several cash advance transactions were made in XXXX XXXX, California, while I was in XXXX, XXXX. I have bank statements that clearly reflect these transactions, and I can provide additional proof of my location during this time, including travel records and receipts from XXXX. 

Upon discovering these unauthorized transactions, I contacted the Wells Fargo Fraud Department, and I was informed that a claim would be initiated. I was also assured that my old card would be canceled and a new card issued. However, by XX/XX/year>, I noticed that the fraudulent cash advance transactions from my old card still appeared on my new card. 

When I called the fraud department again, I was told that the transactions might have been made using my debit card and PIN number. This is incorrect, as I am in possession of both my debit and credit cards, and I did not authorize or perform any of the disputed transactions. Despite explaining my situation, I was informed that these transactions were attributed to me. 

I followed up again on XX/XX/year>, and received the same response from another representative. I find it extremely concerning and unfair that these transactions are being considered valid despite clear evidence to the contrary. It is disappointing that a bank as reputable as Wells Fargo is unable to protect its customers from this type of fraud. 

I kindly request that you re-investigate this matter thoroughly and reverse the unauthorized charges immediately. Additionally, I ask for a written explanation of the investigation 's outcome and the basis for any decision made. 

I look forward to your prompt response. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my consumer credit report, as referenced below. I believe these inquiries are the result of identity theft or fraudulent activity, and they were made without my consent. I request verifiable proof of their legitimacy, including documentation bearing my signature or electronic signature.

As I did not authorize any of these inquiries, their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ) related to the blocking of information resulting from identity theft, and Section 604 ( 15 U.S.C. 1681b ) regarding permissible purposes for consumer reports.

I have already contacted the companies involved and discovered that these inquiries were initiated without proper validation or original proof from the reporting entities. As a result, these inquiries are inaccurate and appear to be the result of identity theft or unlawful reporting by creditors or third-party data furnishers.

I request a thorough investigation into these unauthorized inquiries. If no legitimate proof can be provided, I request that they be removed from my credit report in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I financed my pool with a company called XXXX XXXX. They used Aqua Financial for the funding in XX/XX/XXXX. Original amount was {$80000.00}, monthly payment of {$1000.00} for 20 years. I have been making {$1000.00} payments every month and not a XXXX has come off my principal. I am only able to go back to XXXX of XXXX  since Aqua is now using a new online payment portal and they do not offer you all of you loan info. 
My daily interest accrual is {$30.00}. So every 31 day I accrue {$930.00}. I pay {$1000.00} on the XXXX of every month and they are not taking a XXXX off of my principal. I made an additional {$200.00} payment on XX/XX/XXXX since my monthly payment had been removed so that the {$200.00} would go towards the principal. I looked online and it said I still owed {$180.00} in interest even after my monthly payment. I called and they said my {$200.00} will first go to pay off the {$180.00} and the remaining will go to principal. So, I cancelled the payment. Also starting in XXXX they started lowering my monthly payment by {$1.00}. Started as {$1000.00} in XXXX, then {$1000.00} in XXXX, {$1000.00} in XXXX, {$1000.00} in XXXX, {$990.00} in XXXX, {$990.00} in XXXX and XXXX is the same at {$990.00}. So why would you lower my monthly due when supposedly I am not even paying enough now to cover interest. Their statements do not show principal balance. 
I currently show owing {$78000.00}. By the time my next bill is due I will owe {$79000.00} with interest. So in over 2 years {$1100.00} has come off of my principal. {$1000.00} of that is because they posted a payment to my principal by mistake. So technically only {$110.00} has actually came off my principal. That is less than {$4.00} a month being taken off my principal. This is not right and probably illegal.
Product: Mortgage

SPS Loan # XXXX XXXX XXXX XXXX, XXXX CA XXXXSPS has never offered the homeowner any alternatives to foreclosure, and is refusing to entertain the possibility of a short sale. There is an upcoming foreclosure date and we have submitted a short sale package with an offer. We are requesting the auction to be postponed and allow time for short sale review. 

1 ) Valuation fraud XXXX all properties with SPS are mysteriously {$75.00} - $ XXXX higher valued than market value when a file is submitted. NO ONE hired by SPS has been in this property recently to review the homes value. 

2 ) SPS violated that Home Owners Bill of Rights in California and likely violated the agreement that the Keep Your Homes California loan placed on the property. The home owner applied for and obtained federal money from the Keep Your Homes California program that was paid to bring this loan current. The initial default on the loan was due to her husband passing away. Once the money was received to bring the loan current, a further hardship was realized when she was laid off from her job. At no time has SPS attempted to reach out to her and attempt any type of workout. 

3 ) As we have come accustomed to .... We expect that the CFPB will get the form letter canned response from SPS that we have seen over and over again. If the CFPB tracks SPS ' response they will notice that they are all exactly the same .... it is interesting that at no time did SPS comply with California 's Home Owners Bill of rights. I also find it very interesting that on ALL of our files with SPS we have had to file CFPB complaints to get them to work on them. We have been told by employees in your company that you are extremely understaffed ... which raises the question ... is SPS simply a foreclosure mill in violation of state and federal law ( as well as defrauding their investors -- which they are doing ). Only giving cash for keys instead of doing a work out is a great way to not have to hire employees to do work outs ... I will hand it to SPS, they believe that they have found a way to circumvent both State and Federal Mandates -- - I would request that the CFPB pull all servicing and correspondence records on this file ... We will be happy to submit address and loan numbers for all of our current and past SPS files to help build a case against SPS. I am sure that if the investors ... who by the way end up paying cash for keys offers to the home owners, would be appalled to know that SPS continually violates State and Federal Statues that may one day result in increased losses to them. I also find it odd that SPS is the ONLY lender that we are current having this issue with non-compliance with State and Federal laws.