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

I recwntly purchused a XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX in XXXX XXXX Colorado. I am a fist time car buyer so I used their in house finance company " XXXX XXXX ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, XXXX is contractually bound to report payments to the two major credit agency 's, XXXX  and Equifax. This loan was opened on XX/XX/2019 and only one payment so far has been reported on XX/XX/2019 and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with XXXX   but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the  American XXXX so I can begin litigation if these credit issues are not resolved. I believe XXXX is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, XXXX needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/2019 tells a different story.
Product: Credit card or prepaid card

I have filed a number of complaints against American Express. I have also submitted a request with the XXXX to stop marketing of credit cards to me. I also specifically made a request to American Express to discontinue marketing to me. I have tried to use their advertisement and was unfairly denied for their business card. My business XXXX XXXX XXXX XXXX is registered in my name and likewise i have requested American Express stop marketing to me. I have a XXXX credit score and otherwise qualify for my credit cards. I do not want to be part of marketing where i am denied credit. As such, i have made every effort to stop marketing material from American Express. I was sent another marketing today, this time to my email for American Express. I was again not approved and i have multiple times told American Express to stop sending me more advertisements, which they deny me for. I am not interested in the material and i have made multiple requests for these communications to stop. I do not want any more of these advertisements or promotions. I was promised by American Express in writing that i would not receive any additional marketing and i still get marketing. I chose to unsubscribe and expect the communications to stop from American Express.
Product: Debt collection

Despite my written request to them, the company has failed to provide me with validation of an account they had reported on my credit report, They have persevered with reporting the account on my credit report in violation of the FDCPA.
Product: Mortgage

I am in a loan modification trial that was approved by XXXX XXXX not Seterus ( the servicer ). I am receiving statements that my loan is behind and the payment I made on XXXX is being held in a suspense acct. So now I am going to show late on my credit report which should be corrected.
Product: Mortgage

I have flawless credit except one negative mark from XXXX 2013. BofA has sold my loan since then and I am looking to buy my second house but they wo n't remove this blemish. This was my only late in 7 years. I have disputed until I could n't dispute anymore and even contacted them directly. No luck. Can you help please?
Product: Credit reporting or other personal consumer reports

Somebody associated their email with my account and opened up an Experian bank account in my name. I had to fax them a picture of my card with my address leaving me incredibly exposed - never a good idea to fax a picture of your social security card. And yet my account remains open in somebody else 's name. This is a crazy system. This should have been resolved months ago. 

To make mattesr worse, I did not have a copy of my SS card so the process just dragged on. I first contacted Experian on XX/XX/year> and faxed the information they requested ( after receiving a new SS card ) on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my account went delinquent. However, I have been paying XXXX XXXX XXXX XXXX XXXX dollars a month every XX/XX/XXXX of the month since XX/XX/XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate addresses are reporting on my personal credit file with Equifax, XXXX and XXXX credit reporting agency. There are no name associated with this file, I don't think these inaccurate addresses are 100 % accurate because I don't even connected in these stated addresses. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my credit fileXXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with Ally Financial previously which was investigated by Ally Financial. Ally Financial DELETED the account on the XXXX  credit report and the XXXX credit report but DID NOT DELETE the account from the XXXX  credit report. I again disputed the account with Ally Financial to delete the account from my XXXX   credit report but they just verified the account even though Ally Financial deleted the account from the other two credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Product: Credit reporting 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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I asked transunion to investigate a derogatory remark off my credit report. They have not provided me with my debt validation as required by law. Nor have they took off the wrong information.
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well - being. Kindly help me remove the following items immediately : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} ; XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 XXXX XXXX XXXX FOR {$680.00} XXXX XXXX XXXX XXXX {$550.00} XXXX  FOR {$680.00}
Product: Credit reporting

have never lived in XXXX XXXX XXXX XXXX XXXX. I have lived in XXXX all my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under XXXX  XXXX and requested information on the company right to collect under fair credit and billing act. I have not heard back from Experian. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the XXXX and XXXX. 

disputed account : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$560.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX
Product: Debt collection

This debt company is trying to collect a debt from a payday lender called XXXX  XXXX and I dont recall ever getting a loan from them and disputed and asked for verification. I have since learned that I was a victim of the XXXX data breach and that is where my information was leaked, see attached id theft report and related data. Please stop trying to collect this disputed and inaccurate debt and remove from my credit report. Thanks
Product: Debt collection

I have received a debt collection letter from Nationwide Credit Inc in the amount of {$92.00} I do not owe this debt and have no idea what it's for. 

I have contacted the XXXX XXXX XXXX XXXX and they did not provide any information about the debt on XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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 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: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I logged into my Equifax credit report and notice they still have my pay history incorrect with XXXX XXXX. They keep showing for the month of XXXX I was late, however in the remarks section it shows I'm current. I was not late for my XXXX, XXXX, or XXXX payments. The XXXX payment was made with a Cashier Check, the XXXX payment was made with a direct deduction from my XXXX XXXX  Account ( 20 days before the payment was actually due ), and the XXXX payment was made with a direct deduction from my XXXX XXXX XXXX XXXX account ( XXXX  days before the scheduled payment was due ). All these payments have been made on time and the money has been successfully deducted from all my accounts. These petty mistakes and mishandling of my credit report is not only causing me problems with my credit score, but also affecting my ability to get credit.
Product: Mortgage

On XX/XX/2022, I submitted and was pre-approved for a loan with Movement Mortgage , LLC XXXX ID # XXXX I have not received a federal form Loan Estimate. 

On XX/XX/2022, the following email series was recorded : Applicant : Is my application submitted? I haven't seen an official Loan Estimate on the federal form yet and more than 3 days have passed since I submitted documents. 

Am I missing something? 

https : //www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/ # : ~ : text=A % 20Loan % 20Estimate % 20is % 20a, that % 20took % 20effect % 20on % 20Oct.

Loan Officer :
No sir - I dont submit your application until youve confirmed youre going with us. Its extra work for my disclosure team and processing team. 

Applicant : You received my application but neither denied the application nor provided me a loan estimate? 

I won't confirm I'm going with ANY lender without the loan estimate. I thought that's what the loan estimate was for. 

Loan Officer : Thats what I have provided. Let me know if you have any questions. If youd like move forward with Movement let me know and I will send over a lock in agreement and formal disclosures. 

Applicant : I will not move forward without the federal form loan estimate. 

End of email series What was actually provided was an lender internal document titled " APPROXIMATE LOAN COST ILLUSTRATION '' that did not comply with the form described at https : //www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/ See attachments ( personal information redacted )
Product: Mortgage

I am an authorized party on the mortgage for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their mortgage loan was with XXXX XXXX until XX/XX/XXXX. Prior to that date, XXXX XXXX approved a loan modification for XXXX and XXXX after they had made 3 required mortgage payments. XXXX XXXX sent the Loan Modification papers which are dated XX/XX/XXXX and then sold the servicing of the loan to Specialized Loan Servicing ( SLS ). 

I have called SLS on five separate occasions to talk to them about the incorrect information they have in their system for XXXX and XXXX 's loan. The claim they have no record of me being authorized on the loan even though I faxed them the authorization along with power of attorney for both XXXX and XXXX, and the modification documents. After they stated they never received the fax, I emailed the documents. They claim they still don't have them and will not contact XXXX XXXX to obtain the authorization. I have confirmation of receipt for both the fax and the email. 

Today when I called again to speak with someone and was told for the fifth time that I was not authorized I asked to speak with a supervisor. XXXX, the woman I spoke with said a supervisor would not be able to help me either. I told her I wanted to speak with a supervisor anyway. She transferred me to someone's voicemail. 

SLS is violating the terms of the modification that was approved by XXXX XXXX and also violating XXXX and XXXX 's authorization to allow me to handle their financial obligations. 

They are sending statements which have incorrect payment amounts and are also sending statements that XXXX and XXXX are past due, which is incorrect according to documentation received from XXXX XXXX prior to the transfer of the loan. 

The SLS loan number is XXXX The XXXX XXXX loan number is XXXX
Product: Mortgage

U.S. Bank Top loan officer - XXXX XXXX is quoting rate on XXXX XXXX, which is forbidden by all banks. and he quoted rate without APR, which is against regulation, when I asked him for APR, he refused to disclose
Product: Debt collection

I have never missed a payment beyond 30 days. However, M & T calls me when my mortgage is not late, after the XXXX of the month. Also, if I am late for that month payment, ( not over 30 days ) I pay the late fee of {$12.00}. 

I had explained to them that I have been out of work for over 2 years. Because of my finanical situation I need to split my payments during the month. Half at the beginning of the month and other half later in the month. 

I have told them this but I still receive hassling phone calls.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a transfer was initiated via the online merchant money center known as Venmo. The transfer was sent willingly and knowingly from XXXX XXXX and XXXX XXXX. The amount of the transfer was {$370.00}. During the period of this transfer my Venmo account had just been made. I am a divorced woman in my XXXX XXXX and have very little knowledge of these types of technology however it was the only option to receive the funds from the employer of XXXX XXXX XXXX XXXX XXXX XXXX I verified my identification with no isssues on the first day of the account being created, XX/XX/XXXX. Successfully. I uploaded sensitive info along with photographed documentation of said sensitive info to prove my identification. Now, as I mentioned- I am not particularly tech savvy. Whilst attempting to enter info regarding my bank and where I needed MY funds to be transferred out of this service- I received an error message. I am human. It appears I accidentally entered my daughters bank info instead of mine as I have all of this info in a notebook I keep for records for our family in case of an emergency and an app fails, etc needless to say I can not explain to you in the best detail the horrific experience I have gone through since this has happened. I have had corresponded with Venmo on the following dates : pleading and pathetically begging for money that is MINE : XXXX XXXX twice XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX twice ( todays date ) over TWO months after what was meant to be a simple and swift exchange and sorely needed throughout this time. I have submitted every single document you can imagine that would prove my identification, multiple times, FRONT AND BACK and today, the pies de resistance I received a final email stating that even after all of my tireless efforts to retrieve MY funds- VENMO PERMANENTLY DEACTIVATED MY ACCOUNT!! They have arbitrarily held my money for almost 100 days now. Money my family needs. I am recently divorced and this added stress has admitted me to the XXXX where I was diagnosed with XXXX XXXX XXXX. I explained this to Venmo. They are inhumane and do not care about their consumers. I was told that from TODAYS DATE XXXX they are allowed to hold my money for an additional XXXX at which SHOULD THEY DECIDE I am allowed to have it they will contact me via email..?????? How is this legal????? Please help me. Complaint also filed with FCC as well as Federal Trade Commission. 

XXXX XXXX XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.