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

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

This is against Ditech ... 

Payment in the amount of {$28000.00} was received on XX/XX/2018 for APN : XXXX ; XXXX  ID : XXXX  ; XXXX XXXX ; XXXX, XXXX, CA XXXX. The payoff is considered incomplete because payment was received after the XX/XX/2018 valid though date shown on the previously issued payoff statement and the amount was less than what appears on the current payoff statement valid through XX/XX/2018. 

Enclosed is an updated prepayment calculation showing the remaining amount due of {$210.00} to complete the payoff by XX/XX/2018. If the HERO Assessment is not paid off, the remaining balance will be re-amortized and collected via the property tax bill. 

As the consumer I was not made aware that the Hero  Loan was not paid in full, I was under the impression as per the T & C of the refinance that the Hero Load was paid in full, which it was not. Ditech then sold my loan to a loan holder who I did not even make a payment to as they sold it to XXXX XXXX, when I contact XXXX XXXX they informed me that they had nothing to do with this re-fi, that I would have to contact Ditech, Ditech told me that there was nothing they could do about it. I have now requested a payoff amount from XXXX  XXXX to find out what my current balance is on this loan that should have been paid off per the T & C of my re-fi by Ditech.
Product: Mortgage

On XX/XX/XXXX, I began to refinance my home with Amerisave.com, an online mortgage company. This lender provided an appraisal of my property within 1 week, after which the customer service dropped off dramatically. I have provided them with every document they have requested within 48 hours of their request. It is now XX/XX/XXXX. Although I have asked multiple times for an estimated closing date, the lender has refused to provide one. They have refused to lock my rate, which has changed considerably since I began my application 4 months ago. They have refused to re-appraise the value of my property which has changed considerably due to the erratic nature of the real estate market nationwide. I can not get them to return my calls. There does not appear to be an end to this process.
Product: Credit reporting or other personal consumer reports

I sent in letters regarding inaccurate and unknown things on my credit report on XX/XX/2023. To this day, almost 60 days later, I have not received a response yet. My information was included in the Equifax Data Breach. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. According to 15 U.S Code 1681s-2, 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. According to the law, a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting or other personal consumer reports

Debt Validation Request for XXXX XXXX  Under 15 U.S. Code 1692c, 1692g, 1681e ( b ) I am writing to formally request a debt validation for the account reported by XXXXXXXX XXXX on my Equifax credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692c, 1692g, and 1681e ( b ), I am requesting that XXXXXXXX XXXX provide the following : Verification of the Debt Provide documentation proving that this debt belongs to me and that the reported balance of {$1800.00} is accurate. 

Complete Payment History A full breakdown of payments, including any fees or interest charged. 

Original Creditor Agreement A signed agreement or contract confirming my obligation to this debt. 

Accuracy of Reporting A detailed explanation of why this account remains on my report despite discrepancies in payment and delinquency reporting. 

Disputed Account Details : Creditor : XXXXXXXX XXXX Account Number : [ Last 4 digits : XXXX ] Balance Reported : {$1800.00} Charge-Off Date : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into a chargeoff from XXXX XXXX on my credit report. I contacted XXXX XXXX who forwarded me to a collection company FCBS inc. That company at first started that they did not own the debt and they were collectors of and on behalf of XXXX XXXX . I then contacted XXXX XXXX  who stated they had sold the debt and no longer owned it. When I contacted the collection company ( FCBS, INC ) again, they stated that they were not a part of XXXX XXXX and I owed then the debt. I told them without verification there would be no payment arrangements etc until I had validation of who owned the debt. ( Recorded phone conversations ). Because it was inaccurately reported, I asked experian to remove this chargeoff. They did not and changed it to updated file which made my FICO score drop 54 points. I believe my rights under fcra are being violated and I am being punished for filing a dispute on inaccurate information on my credit report. This collection company is now dating I entered into a payment agreement with them which I have not. This is a violation of my rights!
Product: Credit reporting or other personal consumer reports

I am formally disputing an unauthorized account that only TransUnion continues to report under XXXX XXXX Partial Account : XXXX ), ** despite multiple disputes. This account does not belong to me, and I never gave written consent for it to be reported. On XX/XX/2024, I successfully disputed this account with XXXX, which removed it after confirming it was unauthorized and improperly reported without my knowledge or consent. XXXX never reported this account to begin with, leaving TransUnion as the only bureau irresponsibly keeping it on my file. This is not a minor oversightit is a serious violation of my rights under the Fair Credit Reporting Act. TransUnion is knowingly violating multiple provisions, including 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy, 15 USC 1681b for reporting an account without a permissible purpose, 15 USC 1681i ( a ) for failing to conduct a reasonable reinvestigation, and 15 USC 1681c ( a ) ( 4 ) for reporting inaccurate and outdated information. This unauthorized account is actively damaging my creditworthiness, financial stability, and personal reputation. TransUnions refusal to act despite repeated disputes shows a complete disregard for legal compliance and consumer protection. The fact that XXXX promptly removed this account after investigating, and XXXX never reported it, further proves that TransUnion is failing to uphold its legal obligations. Every day this fraudulent account remains on my credit report, I suffer the consequences of TransUnions reckless and willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among XXXX, XXXX and TransUnion. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>
Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

On XX/XX/XXXX I noticed a charge on my account I didnt make. I called the bank on that day to dispute the transaction. I spoke to an agent named XXXX. I told her that the payment in question was for my car insurance payment which I made with a different card at the same bank. I have XXXX accounts with Wells Fargo bank i.e. a checking account and a credit card. I was charged for the same amount {$120.00} on both accounts. I told the bank that the insurance company should have only charged the checking account and that the credit card payment should be voided or cancelled. XXXX said fine and that she would take care of it. When I checked my credit card statement on XX/XX/XXXX it was still showing the payment of {$120.00} on XX/XX/XXXX as being completed and not pending. When I called the bank back that day, I was transferred to the Claims Department and spoke to XXXX. When I explained my problem to him after waiting 45min, he said the only thing he could do was wait for the payment to post on my checking account ( It already did ) before he could dispute it and that would be on Friday XX/XX/XXXX. That would mean Id have to wait a total of nine days before they would investigate it. Most banks just put a hold on your card until they are able to resolve the problem and they dont keep the item on your account or show it as pending. This waiting 9 days before anything can be done is just inconvenient. The fact that one agent said it was taken care of and the other one said it was not is very confusing and sounds like double talk. Please investigate and issue any violations if possible. Thank you.
Product: Credit card

On XX/XX/XXXX-XX/XX/XXXX someone made a purchase at XXXX store at the address XXXX XXXX XXXX, XXXX, ny for amount of XXXX , On XX/XX/XXXX I file a fraud claim on my account with the Bank of America. After a month of investigation BOfA took back a credit from my account and closed the case with explanamiton that in was a chiped card and the chip was insert. And based on this information all the charges was put on me. When I asked them to give me more information about this purchase such as copy of the signature, they was not able to. So they made a decision only on the information that the chip was insert. XX/XX/XXXX I filed a police report about it and based on my actions, BofA reopened the case. I also checked the address of the XXXX store and the address has no relarionships to the XXXX store, there are no connections with this building related to XXXX at all. As of now I am waiting for a detective from the police department to contact me and maybe give me some additional information about my case. I also waiting for the actions from the BofA investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 Section XXXX A, States I have the right to privacy. 
15 U.S.C 1681 Section XXXX A, Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Debt collection

I filed a complaint with the CFPB for harassing phone calls by PRA during the pendency of a lawsuit they filed against me.

The company responded by telling both the CFPB and me that they had a judgment against me.

They directed me to contact their attorney to pay the judgment. I am in a vulnerable group, I am totally and profoundly deaf. They are saying pay them now for a judgment they dont have?

THEY DO NOT HAVE A JUDGEMENT.

This is in violation of 18 U.S.C. Section 1001 for Lying to Government Agents, the FDCPA and Ohio statutes ( Ohio consumer sales practices act ).

I am aware PRA is under investigation for violations of its XXXX  consent decree, and I wanted to alert you that they are blatantly lying to both you and me. 

I need you to intervene on my behalf and contact Judge XXXX XXXX XXXX referencing case # XXXX ( XXXX XXXX XXXX. 

At : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Courtroom # XXXX XXXX XXXX XXXX, OH XXXX Civil Bailiff ( XXXX ) XXXX To alert her that PRA has decided the care for her, has not stopped calling, and now, in order to close complaint # XXXX ( attached as a file ), lied to a Federal agency so they can get me to pay a judgment they dont have! 

Their response was so detailed, specific and granular, this is a blatant lie. 

This all started bc PRA engaged in a practice called parking on my credit report, that was my first contact with them. In response to a credit report dispute, the next day, they referred it for a lawsuit without validating the debt! Help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my letter requesting Transunion to tell me of the source/furnisher of XXXX bankruptcies appearing on my credit report, Transunion instead chose to respond stating it was verified, please see the attached results. My inquiry letter NEVER DISPUTED the ownership or accuracy of the information. Transunion has violated : The Fair Credit Reporting Act 609 ( a ) ( 2 ) states ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

In addition, under 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER gave written consented to having any such items displayed on my credit report.

In 15 U.S. Code 1681e ( b ) Accuracy of report 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. A credit reporting agency that can not tell the source within the 15 day time limit is not in compliance of this law.

And lastly under 15 U.S. Code 1681 section 2 ( a ) I have the right to privacy.

At this time Im requesting the permanent deletion of both bankruptcies and $ XXXX fine for every violation.
Product: Debt collection

XX/XX/XXXX Received call from Kia Finance, rep XXXX XXXX, indicating I was 11 days overdue with payment of {$500.00}. I indicated not only did I not not owe any payments I was ahead of schedule on payments. I indicated to rep that XXXX statement that stated it was printed on XX/XX/XXXX did not arrive until XX/XX/XXXX. I mailed a check on XX/XX/XXXX, followed up on XX/XX/XXXX to verify if received by Kia and indicated to them untimely receipt of mail ( even though it shows it was mailed from California where I am located ). As due date was XX/XX/XXXX again checked to see if check received it was not went onto web site and payment made with confirmation number received for effective payment on XX/XX/XXXX due date. On XX/XX/XXXX an additional payment was received by Kia Finance as check dated XX/XX/XXXX was cashed, confirmed this with XXXX XXXX and XXXX. I received a statement from Kia on XX/XX/XXXX spoke to XXXX XXXX and XXXX requesting a new statement be sent as the statement dated XX/XX/XXXX only indicated one payment on XX/XX/XXXX - I confirmed on that phone call that Kia Finance had cashed check on XX/XX/XXXX and that money was received I asked for an updated statement with correct amount and was advised by rep that it would be generated in 3-5 business days. On XX/XX/XXXX additional payment sent for {$500.00} which was cashed at our bank on XX/XX/XXXX. To this date I have not received any confirmations from Kia Finance in writing that they have received. Speaking with XXXX I was told amounts were listed in suspended payments category?? and that I WOULD NEED TO TALK TO CUSTOMER ASSISTANCE TEAM. Since this was listed in my account why should I have to make any calls plus they had payments. Needless to say aggravating. I have called numerous times to KIA Finance today attempting to reach this team and have been placed on endless holds, 52 minutes, 26 minute, 35 minutes, 24 minutes, spoke with numerous!! representatives today with being sent to a different individual each time. I too have matters that I need to take care of and can not spend this endless amount of my day trying to correct a situation that isn't even my fault and THERE IS NO DEBT OWED.
Product: Credit card

I previously filed Complaint ID : XXXX against Synchrony Bank XXXX Since that time, they have committed another seemingly unethical practice. 

I am submitting a follow-up complaint regarding Synchrony Banks recurring issues with their payment allocation and autopay processes, which I believe are deceptive and designed to generate deferred interest charges. 

After successfully paying off the first promotion balance in full prior to its end date to avoid retroactive interest ( see prior complaint ), I carefully calculated the minimum payment necessary to pay off my second promotion balance in full before the promotional period ends in XX/XX/XXXX. Based on this, I set up autopay to deduct {$60.00} per month from my checking account. 

On XX/XX/XXXX, Synchrony Bank 's online account details explicitly stated : Autopay of {$60.00} will occur in 7 days. I have a screen capture to prove this. However, on XX/XX/XXXX, only {$30.00} was deducted from my checking account instead of the {$60.00} I had scheduled. Synchrony Bank 's online portal confirms this deduction of {$30.00}. 

By failing to deduct the full {$60.00} amount I had scheduled, Synchrony Bank is jeopardizing my ability to pay off the promotion in full before its end date. This underpayment, if left unresolved, would result in retroactive interest charges on the deferred balancecharges I am actively trying to avoid. 

It is also important to note that Synchrony Bank sent me an email stating that they had adjusted my autopay amount to {$30.00}, despite my explicit action to set the autopay deduction at {$60.00}. This is not only misleading but raises serious concerns about Synchrony Banks autopay functionality and its transparency with customers. 

In my strong opinion, this is not a simple oversight. Synchrony Banks autopay system appears to be manipulated in a way that undermines customers ' efforts to avoid retroactive interest. Their failure to follow customer-directed payment schedules is both unethical and financially damaging. 

Given my prior experience documented in Complaint ID XXXX, I believe this incident reflects a pattern of behavior by Synchrony Bank to exploit 0 % promotional financing terms. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Synchrony Banks autopay processes, as well as their intentional underpayment practices that result in deferred interest charges for customers attempting to meet promotional deadlines. 

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

I went to XXXX and selected Equifax as the bureau for the report. Upon being transferred to Equifax 's website, it asked me to log into my account, which I did. I selected the option to obtain my annual credit report. However, after going through the prompts, Equifax is only providing a one-page summary of total liabilities. I logged out and went to Equifax 's website directly and attempted to obtain the annual credit report, but received the same one-page summary. Instead, I went to XXXX and obtained my credit report, which consisted of over XXXX pages ( which appears to be exactly what I should have received from Equifax ). 

As a federal statute, Equifax is required to at least provide consumers one free credit report annually. The " report '' that Equifax is providing is not a report, instead just a list of total liabilities.
Product: Credit card

On XX/XX/year> approximately XXXXXXXX XXXX I received a call from Aspire Credit card, regarding missed payments. I explained my Situation with the caller why I didnt make my required payments how ever I have made smaller payments that I can afford. I explained to her that I have some serious XXXX issues right now, and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are very costly, and Im on a fixed income, so therefore I can not make the payments they are asking, I intend though to make payments of what I can afford to pay. This is the 5th time I mentioned this to them, yet they keep calling and asking for my regular payment to get the acct current. I mentioned again that Im on these much needed XXXX andCANNOT afford to make my reg payments, however I can make smaller ones that I can afford. What part dont they understand? Its not that Im not intending or have not to make my smaller payments, I will pay them what I can afford
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions