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

Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( XXXX, Transunion, XXXX, XXXX ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( Myself/XXXX XXXX ) had concluded, one of the changes were being done from the one of the credit bureaus that I previously listed. For instance, attached is a screenshot from our XXXX  XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the XXXX account is only showing the current payments. These are also XXXX differences between the other bureaus as well. And for the Transunion, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to XXXX, but has gone up XXXX point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not honored. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.
Product: Debt collection

On XX/XX/2021 I sent a letter to H & R ACCOUNTS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I have asked multiple times for validation. They call me at all hours. This has seriously inhibited my life.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate these negative accounts on my credit report I have disputed these accounts multiple times and I have received no verification as to why these accounts are on my report plus it has been more then thirty days
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXX XXXX Date Generated :XX/XX/2019 Account Name TOYOTA MOTOR CREDIT CORP Account Number XXXXXXXX Toyota has me listed as an account holder on this account, i was not an account holder of this account and am formally requesting this account be removed of of all 3 bureaus thank you
Product: Debt collection

I received notification on my credit report that I had an account in collections from XXXX XXXX 2 weeks ago. Until this point I had no idea there was any owed balances to XXXX. When I called I found out the debt is supposedly from 2013 for {$460.00}. I was unaware of this balance and have not received any notification about this matter. I never received anything from the collection agency XXXX XXXX   notifying me they were trying to collect a debt, it just showed up on my credit. The only way I found out what agency reported the debt was by contacting XXXX XXXX. This debt is supposedly from 2013 but is just now showing up on my credit report after 5 years. With no notification from the debt collector I wasnt even aware there was a collection or had the chance to rectify if there was.
Product: Credit reporting or other personal consumer reports

I always make sure to pay my bills on time, so I dont understand why this company claims I was late in some months. As stated in USC 1666b, any billing errors should be corrected and properly marked as paid on time.
Product: Payday loan, title loan, or personal loan

I'm currently working with a solar rooftop installer that is offering financing by service finance company LLC. The solar installer is saying that if I would like to have financing through this company, that they have to add on 26 % of the total cost of the system as an upfront fee. This is a fee that the service finance company LLC retains, and not the dealer fee, although it is called a " dealer fee ''. I confirmed this through many different solar installers that utilized this finance company. 
I called the company directly to ask for the APR and they said they do not have one. Normally when I eat apply for or inquire about any loan, the federal government requires the percentage rate be listed, as well as the APR which is the percentage rate plus any fees or charges in relation to the loan. This federal requirement is so that the consumer will know exactly what they are spending on debt service. Service finance company LLC refused to provide the APR, and instead, they stated that their APR was the interest rate. This meant that they were saying that the interest rate was 1.99 %, and that the APR interest rate was also 1.99 % for a 25 year loan. Mathematically this can not be possible when they are charging a 26 % upfront fee, again called the dealer fee.

I am asking the Consumer Financial Protection Bureau investigate this company for illegal practices I am asking the consumer finance protection Bureau to please investigate this company for illegal practices. They are not living up to the spirit or letter of the law and are blatantly lying to the consumer.

I am not disclosing the rooftop solar installation company that I'm working with as I do not want them to be negatively affected by this complaint. When I talked with the service finance company LLC, their managerial representation was very angry that I was even asking these questions and seemed shady.
Product: Checking or savings account

I am once again the victim of magic math at Citizens Bank. As of Yesterday all of the same payments that show today had cleared and I had been overdraft by my automatic payment to XXXX XXXX. I had almost {$7.00} in the account so I was only in the red for almost {$16.00}. Moments ago, I opened the app to see if my IRS refund went in today. No refund ... no new payments and {$50.00} in the red. This seems to be an epidemic with this bank. How many people in the poverty bracket are they taking advantage of daily? 

XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX DOB XXXX SSN XXXX Citizens Bank Routing number XXXX My Account # XXXX
Product: Checking or savings account

Company put a hold on my sons account..called they told me to fax documents..said it would take 2 to 3 business days..waited almost 2 weeks..called back company said they needed more information emailed information from my phone..while on phone with them..was told to send thru email so they said I had to call right back so I did they had me on hold for 25 minutes..finally got someone on the phone was told they were closed then she hung up the phone on me
Product: Credit card or prepaid card

We contact the company and let them know that we have an account for {$9.00} and stop charging us for {$100.00}. 
I disputed it with my bank after XXXX made three attempts to draw the money ( capital one ), I was told by capital one that theres a block is made and for us the change our card. We did that and was informed by capital one the the dispute was resolved and that to notify them of any more problems. In less than 24hrs XXXX  withdrew the money from my account when contact capital one I was transferred from departments to departments. After spoken to someone whom I thought was from the fraud department told me that the block to my card will take two billing circle and that they are not responsible for my card being charged every month for the {$100.00}. I let them know that thats a new card being shipped and is already being billed and its not in our possession. Capital one stated that it out of their control, that XXXX contact master card for our new card number
Product: Credit reporting or other personal consumer reports

I am writing to express grave concerns regarding the derogatory rating on my account. This negative rating has already had severe consequences, including the denial of a recent loan application and increased interest rates on my existing credit accounts. The financial and emotional distress caused by this derogatory rating has been substantial, and it will continue to adversely affect me until the issue is resolved.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX XXXX XXXX XXXX, and they appear to have sold it to CMRE Financial Services, there are XXXX accounts XXXX that was opened on XX/XX/2016 and the other XX/XX/2016 therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.
Product: Debt collection

On XX/XX/XXXX Zarzaur & Schwartz, P.C. reported a debt to my credit score. On XX/XX/XXXX they contacted me by mail. By doing so they committed Aggravated Identity Theft because I do not know them and it is illegal in the United States to collect without a contract. I originally owed XXXXXXXX XXXX, but now ZarZaur & Schwartz, P.C. who Ive never contracted with has my personal information and is now trying to collect on a defaulted security. They are attempting to extort me and commit theft by deception by ruining my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity of this, and any alleged debts until Zarzaur & Schwartz, P.C. can provide me with sufficient documentary evidence that I have legal obligation to pay them. If this documentary evidence can not be produced and Zarzaur & Schwartz, P.C continue its collection efforts, I will file for litigation for actual damages caused and Zarzaur & Schwartz, P.C. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 dispute letters to Experian in concern of my student loan account, not reporting the correct payment history on my credit report. Experian credit bureau has told me that they have checked information but has not yet to send me any proof, By not being transparent is hurting my personal life. I have also contacted them numerous times by phone the last TWO dates where XX/XX/2021 an XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma offering pre-approved credit cards and every time I fill out the form for a pre-approved credit card or loan I get denied which lowers my credit score an it says it doesn't lower my credit score but it leaves negative marks on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing on all 3 credit bureaus ( XXXX, XXXX   and XXXX ) that I was 30 days late 2 times and 60 days late 1 time. I have never been late. I have always been on time. It is my belief that they are reporting the wrong information to my credit report in which it is hurting my credit score. I request that this information be corrected to reflect current for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dealership allowed many lenders to pull my credit at once And I wasnt aware
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX noticed on our credit report a Convergent Outsourcing on behalf of XXXX XXXX past due outstanding payment of {$1400.00}. for equipment. XXXXwe moved into a community that has XXXX internet and cable services, previously we were with XXXX all our services for 21 years. XXXXI contacted Convergent regarding this collection and told it was for unreturned moblie equipment. We never received any mobile phone equipment from XXXX. XX/XX/XXXX they offered us phone service but declined because they changed our 3 phone numbers. XXXX I deactivated the 3 accounts and was given a credit for charges they added to our bundled acct. in the amt. of {$100.00} ( doc. attached ). Speaking with XXXX agent, he told me collection notices were sent to an address in XXXX, ID, which we have never lived/resided in that state. We have never recieved or accepted any XXXX XXXX equipment nor recieved any notices at our courrent address or aware of any outstanding balances owed.
Product: Mortgage

Nationstar Mortgage breached our contract by ( 1 ) making tax payments when no escrow account existed, and ( 2 ) increased the monthly payment when the contract states this can not occur. ( see HUD-1 page XXXX ) Nationstar declined my request to remove the escrow account they applied after more than a year of no escrow ( see XXXX XXXX letter in attached Payment Docs ). 

Nationstar claims I owe them {$6900.00} for a tax payment in XXXX. Their employee XXXX XXXX confirmed my payment was received first and that Nationstar will receive a payment refund for being second payment made. ( see cashed checked in Payment Docs ) Nationstar has not accounted for a {$15000.00} Escrow payment made at closing ( see page XXXX of HUD-1 ). 

Nationstar did make the XXXX Tax Payment of {$6900.00} before me. My check was returned by the state ( see Payment Docs ). This means Nationstar still holds {$8400.00} of my escrow funds ( {$15000.00} - {$6900.00} ). 

Nationstar demonstrates gross accounting negligence with inconsistent monthly payments. Payments XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX {$62000.00} Yes, they billed me $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXThe attached resolution letter was provided by Nationstar to my initial compliant to the CFPB. They closed the dispute as resolved. 

I continue to make the contracted payment of {$1500.00} on-time each month. Nationstar claims I am over 49 days past due and have submitted my name to debt collections. 

In summary, I am seeking a return to no escrow and a {$1500.00} monthly payment as agreed upon in the contract.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Previously I had been dealing with XXXX and XXXX ( I believe that was the name of the other woman ), and both were very nice and cordial. This past week, I have been receiving phone call after phone call from a man whose name is XXXX. He has been very rude and hostile on the phone, and calling 7-8 times a day, plus calling my work, even after I had told him he can not contact me on the work line ( Tuesday, XXXX ). It is not to be used for personal phone calls, and yesterday afternoon ( Friday, XXXX ), he called my work yet again, and was disrespectful, and threatening the individual who answered the phone. He was hostile and using profanity, and threatening him and would not identify the name of the company he was calling from. This is by far unacceptable, and every phone call received and outbound is recorded. I would be happy to provide the recorded conversation if necessary. I am now possibly going to have to face consequences for him continuing to call the work lines, and his hostile behavior towards another employee. I have never had any issue with anyone other than XXXX, and nobody else has behaved in this way until now. It could possibly jeopardize my employment with my fairly new job. How does he expect me to catch up on my payments if I were to lose my job due to his behavior, and continuing to call the work lines. This is unacceptable and I am not comfortable discussing anything further with him.
Product: Mortgage

Complaint about Mr Coopers field insperctor, XXXX XXXX, XXXX XXXX, said came to house and was VACANT SEE FORM i was in back, saw him taking pictures trash cans in front! THIS IS HARRASMENT AND LIARS!!! ( have been trying to mofify loan )
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.