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

In accordance with the Fair Credit Reporting act. 

The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Mortgage

MORTGAGE LOAN SERVICER - SELECT PROFOLIO SERVICING ( SPS ) My loan was transferred to this company from another servicer between XX/XX/2022 - XX/XX/2022. I have major concerns on the fees this company charges to make payments online, via phone and on their website. This doesn't include the late fees that are access if a payment is not made by the XXXX - XXXX on the month. I have expressed my concerns with SPS and depending on the circumstance they have waived a few pay by phone fees. However, SPS charges all consumers for making payments via phone & online. 

SPS charges {$10.00} - {$15.00} dollars or so between methods of payments. I am inquiring if CFPB and regulatory agencies can explore miscellaneous fees to consumers? They are making millions in fees as consumers are struggling to make payment their payments by the second week of the month. 

I also need information on how all mortgage companies calculate late charges and where the money goes.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Company : XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX  XXXX XXXX  XXXX XXXX, Account # XXXX Company : XXXXXXXX XXXX, Account # XXXX Company : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/year>, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. 

As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted personal request about ongoing issues of multiple inaccuracies on my credit report. I have asked for proof of validation of debt with my original documentation. I have provided direct discrepancies from reportings of late payments. I have asked for a collection item to be removed off my credit. Experian has deflected by sending me this email, even though my request was signed by me personally with my identification. 

My request is as follows Correction to my name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX No Employment history I requested to have multiple late payments removed off my credit report from the department of education that went from on time payment and then to 90 days late on six accounts. 

I asked to dispute late payment reporting on XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 

I asked for proof of verification and also requested validation of debt. 


This is not my first request this is my last and final request before I bring forth action.
Product: Credit reporting or other personal consumer reports

In XXXX, when I received this payment, I was going through a tough divorce and struggling with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Because of this, I decided to resign from my job after nearly 11 years. During this time, I was expecting some funds to be deposited into my bank account. Once I received the money, I paid off most of my debts, but I only made a partial payment on my XXXX XXXX loan. My plan was to continue paying it on time each month to improve my credit score. Unfortunately, XXXX XXXX did not report my on-time payments over the last six months. As a result, my credit score didnt improve as I had hoped. A few months later, I was unable to find a job for about six months, and my savings ran out, which led to me being unable to continue making payments. I contacted XXXX XXXX to discuss a possible settlement to reduce my monthly payment, but the representative was unwilling to offer any solution. As a result, I couldnt keep up with the payments. However, the company was quick to report my missed payments to the credit bureaus, even though they had failed to report the on-time payments I made over the previous XXXX months. Due to this negligence, my credit report has suffered, and I have been denied jobs and credit. I am now in a difficult situation. Just to let you know, I receive XXXX and XXXX XXXX because my current salary of {$42000.00} annually isnt enough to cover my immediate expenses, such as rent, utilities, and car payments and food. I'm also a single mom supporting a teenager. Right now, I'm taking a few courses through XXXX to improve my skills and increase my chances of landing a higher-paying job.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card to receive a {$150.00} signup bonus and start earning points. After looking into the account they pulled my information as a hard pull so I requested to have the account canceled over the phone and inquired about removing the hard inquiry since the bonus was, not linked either. The representative from XXXX insisted he could not help, but was sorry. While reading his script, I paid down my balance and then he said we ( XXXX XXXX ) can not take care of this which led him to give me information to sum it up with Experian. After calling Experian, they insisted that XXXX XXXX would have to write a request to Experian on behalf of the incident. I already have a secured account with XXXX XXXX as well as a 3 year relationship. In hindsight, I recently applied for a XXXX XXXX unlimited account and received no hard pull as well as a higher credit limit! Lastly, After relaying over the phone for 1.5 hours with XXXX XXXX the gentlemen either hung up or the call was disrupted which led to me calling again for another 30 minutes with no real results. After receiving information to speak to Experian I still had XXXX XXXX one pointing the finger saying we can not help you and I was left with a new credit card to which I canceled, a hard pull on my credit score, and a lowered score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a loan modification a few years ago and i still paid the minimum payment on my account. The company reported that i was late on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/24 XXXX inquired my credit score and gave me a hard inquiry for a credit line increase i did not request. Tried contacting XXXXXXXX XXXX to report it as fraudulent and was told nothing can be done.
Product: Money transfer, virtual currency, or money service

I Ms XXXX XXXX XXXX, Contacted Citibank XX/XX/20 at XXXX on using XXXX line XXXX and requested to speak with Supervisor regarding misplaced check by Citibank . XXXX picked up the line again stating that they had not received it. It was sent two Fridays over XX/XX/20 by XXXX  and it took them " 5 to 7 business days '' and " 2 weeks for it to be on his desk. '' Moreover, XXXX stated that they receive mail twice a week, Tuesdays and Thursdays. XXXX requested I contact him again on Wednesday or Thursday of this week. I Ms. XXXX XXXX XXXX contacted Citibank today XX/XX/20 and a representative named XXXX picked up the line stating that " where you provided a tracking number? '' " Do you know if its an envelope? '' " Do you know that to us you are the XXXX XXXX? '' " Am not going to be colored XXXX? '' " Oh we could not locate the check -- -we dont have it. '' I Ms. XXXX XXXX XXXX do not recognize XXXX and do not know whom she is. XXXX stated that she corresponds with XXXX ( XXXX ) whom also works for Citibank but could not locate myXXXX Retirement check with a valid trace number. 

Second Call to Citibank via XXXX XXXX today XX/XX/20 a representative named XXXX responded to the line call to Citibank. XXXX stated am going to transfer the Citibank call to a real representative " they are about to close all the banks if they can not find your retirement check. '' XXXX was picking up the call from outside. Call was transferred to Ms. XXXX XXXX member with ( XXXX ) with XXXX. XXXX took my social security number again over the phone and looked into their system and stated that they ONLY received a retirement check from XXXX in the amount of XXXX even but it was not under my social security number. XXXX stated that the USPS was SLOW in delivering mail and thus they blamed USPS for the negligence and apparently not being able to locate check even with a trace number. 

On XX/XX/20 Ms. XXXX, representative claiming to work for Citibank under Ms. XXXX stated that I should once again correspond with the XXXX XXXX XXXX XXXX XXXX XXXX, for which when I contacted them via XXXX from XXXX Florida from my moms trailer home, the entire XXXX XXXX XXXX was DOWN. Ms. XXXX, the XXXX  XXXX XXXX representative stated that the system " may be available tomorrow, '' but that they could not view any XXXX  member information online as it was unavailable to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

GIVING MY INFORMATION WITHOUT MY PERMISSION AND GIVING WRONG INFORMATION... THESE ARE NOT MY XXXX ... XXXX ... XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX AND XXXX XXXX # XXXX ... I DIDN'T MAKE ANY OF THEM
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block inc ) Due to inadequate customer service and unfair practices. Terrible service. Which violates the CFPA. Cashapp failed to take timely and effective matters to prevent and address fraud on their side. Leaving my account easy to access for others, vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive. As they did not comply with error resolution requirements under the Electronic fund Transfer Act. And regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress of these violations.
Product: Credit card or prepaid card

I opened an Apple credit card account on XX/XX/2021. Apple never provided me with the Truth in Lending Disclosures in the correct tabular format. I am financing 2 items from their company. Pursuant to 12 CFR 1026.6 ( b ) ( 2 ) and 15 US Code 1632a, Apple has failed to disclose this information to me, the consumer. I have spoken to an agent via support through text messaging and she assured me that these disclosures can be accessed in the " terms and conditions '' in the " Wallet ''. After doing my own due diligence I have found no TILA disclosures under Apple 's terms and conditions. I have also reached out to Goldman Sachs, and they have also stated that the TILA disclosures can be found there as well. In addition to all of this, there is no option for the consumer to auto receive periodic statements through the post office mail for their account. The same agent told me that I would have to call or text them every month to get periodic statements mailed. So, I can't have physical periodic statements mailed to me, I have not been provided with required material disclosures, and those will not be mailed either. Apple is trying to collect on a debt that I was never informed properly about, never given the required disclosures to inform me about the use of credit or what amounts are being subject to the APR.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the CFRA law. 

This account ( XXXX XXXX # XXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/24 }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.
Product: Credit reporting or other personal consumer reports

I recently learned it was inaccurate installment loan on my credit report with late payments so I reach out to XXXX Equifax XXXX they are still not verifying
Product: Credit reporting, credit repair services, or other personal consumer reports

New Res-Shellpoint MTG has repeatedly during the servicing of my account misallocated payments. I filed a complaint with the South Carolina Attorney General that explains and documents my ordeal/nightmare with this company lack of professionalism. Please see the included pdf attachment. After paying of this account XXXX XX/XX/2020 I noticed on my credit bureau reports New Res-Shellpoint MTG classified my Mortgage Loan as a Home Equity Loan which was inaccurate. Upon attempting to have them change the classification to the correct one Mortgage Loan they changed my XXXX payment to 30 days late which is inaccurate. My problem with New Res-Shellpoint MTG has been documented via email complaints see they acquired my loan from XXXX XXXX. I truly believe I'm not the first and I won't be the last person dealing with this New Res-Shellpoint MTG company that has displayed in my humble opinion true deceptive practices.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$2300.00} XXXX XXXX  - XXXX {$2300.00} XXXX XXXX  - XXXX XXXX {$5800.00} XXXX XXXX - XXXX XXXX - XXXX {$8100.00}
Product: Vehicle loan or lease

On XX/XX/XXXX the vehicle was turned in. Hyundai XXXX XXXX stated they covered all excess wear and tear plus excess miles on vehicle. I was given a check of {$1000.00} to send to Hyundai motor finance. The check was received by them and the account was closed. However, XX/XX/XXXX I received a credit alert of a collection from Hyundai of {$480.00}. When speaking with them it states of excess miles. When Ive spoken with Hyundai customer service they keep stating its excess miles and the mathematics doesnt add up. Ive shown all the info to Hyundai of XXXX which they reviewed and stated the account was taken care of and there were no fees due to be paid. I have all the information of proof of the vehicle payments as well as vehicle inspection. Ive never received any letter or notice of owed payment in which Hyundai stated it probably got lost in the mail. How is it in 3 years Ive never received any notices or anything from Hyundai and all of a sudden this pops up. Ive leased two other vehicles from Hyundai since turning in this vehicle. Ive tried resolving this and I have not gotten any answers. Due to this issue it effected my credit score negatively in which its delaying my opportunity in trying to purchase my first home. I need help in resolving this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A trade in was done, deal closed and signed and the trade off vehicle was reported as paid in full and a refund of overpayment was received from the lender. Weeks after the deal was made, XXXX XXXX identified a mistake on THEIR side of the deal. I was unwilling to personally co sign behind the car, which was what their resolution was. I also returned the car to them. They " reinstated '' the original loan of the vehicle I traded in, which is and is still in their possession, and then reported the loan delinquent. I never authorized the loan to be reinstated, they never returned the vehicle either. I have requested multiple times documentation showing they are legally allowed to do this which they never provided ( because they knew they were outside their time frame ). The mark on my credit report dropped my score nearly XXXX points. All contact made with XXXX and XXXX XXXX has been ignored.
Product: Credit reporting or other personal consumer reports

I have filed with the Federal trade commission about this issues the case number is FTC XXXX. I keep explaining over and over this account was opened with identity theft and they failed to investigate the issues the police report number GO # XXXX XXXX was filed in the XXXX XXXX XXXX XXXX. I have given this company copies after copies and they failed to remove this off my report. I have even reached out to them personally and they still fail to acknowledge this is not mines but insists that my address is on the documents they have and my signature. But have failed to provide me with this information and have yet to see that the address they have is not the address on this so called contract. Therefore this is not even legal according to FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors reporting I am deceased and old accounts still showing on my credit report. I would call the credit bureau to resolve the issue. They would say they would but when I would apply for credit I would get denied than later receive a letter stating I am deceased. I now have many inquiries that are affecting my credit score even more. This issue is preventing me from establishing good credit.
Product: Credit reporting or other personal consumer reports

According to my credit report I have student loans on my credit report and the amounts are inaccurate. Im not anywhere near over {$60000.00} in debt and I want this issue taken care of. I would like to resolve this issue by removing the inquiry from my credit report well inaccurate debt and account balance from student loans.
Product: Credit reporting or other personal consumer reports

My credit card account was unexpectedly closed by my credit card company without any prior notice, despite my account being in good standing. I have consistently made payments on time and never exceeded my credit limit. I received no notification about the closure, either by mail or electronically. As a result of this closure, my credit score has dropped by XXXX points. 

When I contacted a representative, I was informed that my account was closed because my credit card had expired. However, I never received a new card from the bank. Although they have offered to reopen the account, they have not provided a valid explanation for why it was closed in the first place. This makes no sense that they would close my account and then in less than a month offer to reopen it! 

I am requesting a written letter from the bank confirming that this account was inadvertently closed. I intend to submit this letter to the credit agencies to have this issue corrected and removed from my credit report. As you are aware, this error impacts my credit score, borrowing power, and future interest rates with other lenders.
Product: Mortgage

I am still having a problem with the servicer of my mortgage loan, Select Portfolio Servicing. I filed  a complaint against them a couple of months ago because they were not working with me and refused to conduct a review of my current financial circumstances to determine if my family qualified for modification help. After I filed the complaint they conducted a review, but they recently sent a letter saying we did not fill out one form, the XXXX properly so the review is cancelled and we are denied and now we are going to sell your house. They have set a sale date for XXXX XXXX. We have appealed the denial and dont understand why the failure to complete one form properly means we are kicked out of review and told we have to start over. It is unconscionable and it is an example of how SPS treats their customers and their unethical foreclosure practices.
This is a predatory high interest ( 8.6 % ) adjustable rate loan. I have been trying to negotiate a modification or restructured loan for quite some t
ime and thought that SPS was finally going to work with us until we received this letter. We are back on our feet ; my fiance lives with me and is working and my son who lives with us is also gainfully employed. We submitted all of our paperwork several months ago with the expectation that there would be a review of our financial information. But nothing happened until we filed complaints and got our Congressman involved. SPS acted like this was a priority and then sent us a letter that our application had been denied because we did not properly complete the XXXX form. I sent in a written appeal and the form but they have not reactivated our review and have set a foreclosure sale date for XXXX XXXX. This is outrageous.