23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my XXXX complaint against this company in the past 2 weeks. After I made contact with them on Thursday XXXX XXXX and verified my contact information information, they still proceeded to contact my cousins today ( whom I have n't talked to in years ) looking for me and even left XXXX of them a message stating that she is from Northstar and trying to collect a debt. Is n't this ALL illegal? This company is relentlessly breaking the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an identity theft dispute on three credit cards in XX/XX/2017. Two accounts were with XXXX XXXX, one was with State Farm Bank. I submitted the identity theft disputes through the CFPB. It was my father who used my personal information to open three credit cards, run them up to the maximum, they default on paying them. I had no idea that my father has done this act until it was too late. As you can see from the attached deletion pages from every credit bureau, XXXX XXXX has deleted the fraudulent accounts from every credit bureau. For that matter, I am attaching copies of every updated credit bureau, showing that XXXX XXXX and XXXX  confirmed the identity theft criteria, and XXXX  has removed the XXXX  XXXX accounts. XXXX XXXX and XXXX  confirmed the identity theft and deleted the State Farm Bank account as well. Both XXXX  and XXXX XXXX show my credit history as excellent. XXXX  is being duped by State Farm Bank as they state that the fraudulent account is valid, which is a joke. State Farm Bank is in violation of the subscriber agreement they have with XXXX  pertaining to accurate reporting. Each day that State Farm Bank carries this item on my XXXX  report is an FCRA violation as well as a FDCPA violation. This financial institution must be fined and sanctioned for these violations. This account must be deleted permanently. I will seek legal counsel to sue if State Farm Bank continues to hold my credit hostage for not validating the original procurement of a credit card that was obtained fraudulently. This reference to a charged off account must be deleted immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX bankruptcy was discharged on XX/XX/XXXX. XXXX and XXXX updated my credit file to reflect the discharge. Equifax did not so I disputed with Equifax on XXXX. Equifax reported that they verified the information as correct with a third party, XXXX. I contacted XXXX on XX/XX/XXXX and XXXX stated that they show the XXXX  XXXX disposition as discharged and their file was updated on XXXX. Since the information was incorrect still on my Equifax credit report, I disputed again with Equifax. This dispute was XX/XX/XXXX. With both of my disputes I provided the court document showing the discharge. 

On XX/XX/XXXX, I received the dispute results and again Equifax claimed they contacted XXXX to verify the data and that the information was being reported correctly. I contacted XXXX again on XX/XX/XXXX and again they stated that they show the discharge. XXXX stated to call Equifax again. 

This is unacceptable. I provided information to Equifax twice showing the discharge and the third party verifies the discharge in their records. Equifax is not meeting their requirements under the FCRA to report a consumer 's information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/2017 account # XXXX and # XXXX was opened at Suntrust address associated with account was XXXX XXXX XXXX XXXX FL XXXX XXXX I have never stay at this address and didnt give anyone permission to use my social security number
Product: Debt collection

Hello, A collections account has been inaccurately reporting to my credit report from midland credit management since XX/XX/2021 & the balance has recently been updated the updated amount of {$2600.00}. I believe this has been negatively updated due to the CFPB breach. This is in violation of code 1680i. I kindly request the removal of this collections account from my credit report as it is adversely affecting my financial situation.
Product: Bank account or service

Deposited a cashiers check to Wells Fargo from XXXX on XX/XX/2016 Received email on XX/XX/2016 staring the funds were going to be held until XX/XX/2016. Called Wells Fargo and they stated that the person that account held had returned checks..impossible as A ) Its written on the XXXX Account..NOT my husbands account. B My husband does n't have checks..the whole reason that required us getting a cashiers check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, XXXX XXXX XXXX XXXX   started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The XXXX Preservation Departement reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date.

To my surprise, I reviewed my CRA noting XXXX delinquent report for 9months.

I addressed this information with the bank, stating unaware of the report to the bureaus.

This false report is badly reflecting my score while rebuilding my score and hard work.

Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the AGO, City Hall Mayor 's office, and my Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, DEPT OF EDXXXX  : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX XXXX Bankruptcy : Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX Joined XXXX XXXX on a month to month promotion XXXX XXXX Returned key fab to owner, XXXX of gym and got his hand written receipt. 
XXXX XXXX Began receiving threatening phone calls and emails from debt collector, XXXX XXXX XXXX telling me I owed {$470.00} for an annual membership. Told them I did not owe any annual membership fees. I asked them to provide PROOF of any such debt or membership agreement. They never did. I sent CERTIFIED letter to XXXX XXXX and asked them to cease any further actions. 

XX/XX/XXXX, again began receiving threatening phone calls that this would damage my credit and they would report me to credit bureaus. Again I asked them for proof I owned any such debt, which I disputed in XXXX and again in XXXX. They did not provide any documentation. 

XX/XX/XXXX, I pulled my credit report and saw my credit score damaged by XXXX points with a collection item. I again contacted XXXX XXXX, spoke with XXXX who told me that they have a new owner, I told her I do not owe XXXX XXXX anything. I also contacted XXXX  and they told me to contact FTC for harassment and bullying by a collection agency that has three times now persisted to collect on a debt NOT owed and which is disputed each time. They have never showed me proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Capital Auto loan both ran my credit on XX/XX/2019. My twin sister was applying for an auto loan XXXX both these companies ran a check on my credit instead
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Cashnetusa high interest rate during pandemic
Product: Credit reporting

Items were not investigated. Contacted court house stated they do not report information to credit bureaus. Transunion stated they verified the information and it is not factual and is inaccurate.
Product: Credit reporting or other personal consumer reports

Bank of America has been reporting nonpublic personal information such as transaction history and much more to third-party non-affiliate companies including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without my written or verbal consent  or any notification prior to doing so. This is a violation of my privacy under the Privacy Act of 1974 and 15 USC 6802-6805.
Product: Mortgage

On XX/XX/2018, my outstanding loan balance was {$650.00}. A payment of {$650.00} was due on XXXX XXXX and was received by PHH mortgage onXX/XX/XXXX. I  received a letter from PHH, dated XX/XX/XXXX, stating that a payment of {$700.00} was due by XX/XX/XXXX. I called PHH customer service and received the following additional information : 1 ) My payment from XX/XX/XXXX was not credited to my account because it was not received in the form of a certified payment ( wire transfer or bank check ) and did not cover the full amount of the loan which now included a Recording Fee. 
2 ) My payment from XX/XX/XXXX would be refunded to me after I paid the loan balance in full ( e.g. {$700.00} ). 
In response, I would provide the following : 1 ) I was never informed of and hold no correspondence from PHH prior to XX/XX/XXXX, including the original loan paperwork, indicating the amount of the Recording Fee nor of any requirement as to the form of the final payment. I was basically informed on XX/XX/XXXX what my payment amount due on XX/XX/XXXX was and because I didn't pay the correct amount they are still charging me interest on the loan. How can that be legal? 
2 ) If I had not made my regularly schedule loan payment as required by XX/XX/XXXX, I  would have been subject to an additional late payment fee. 
Given the procedures implemented by PHH to notify borrowers of these requirements after the maturity date of the loan it is impossible for the borrower not to incur additional interest charges and fees or to be required double remit their final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found unauthorized inquiries on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit reporting agencies to review these inquiries ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to deleted the following inquiries information on my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this has been the worst experience i have ever had when you complain to wells they do nothing now this loan has been paid off for almost 60 days and they are still reporting as open i went to log in as i thought i was going to have problem with wells par for the course and my log in would not allow me to after spending two hrs on phone getting bounced from place to place they finally told me they shut down my online access because the loan is paid off basically oh well no notice nothing wasted my time yet again now its almost 60 days and i havent received anything from them showing in paid in full no release nothing and its still showing open on my credit reports this is typical of wells when they incorrectly report lates they put them on quickly then never remove them but when its paid in full they do nothing unacceptable
Product: Credit reporting or other personal consumer reports

C/O XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Experian - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ca XXXX Subject : Dispute of Improper Reinserted Inaccurate Information and Sham Investigations Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the improper reinsertion of inaccurate information onto my consumer credit report and the handling of my recent dispute. It is my understanding that your company is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of the information provided in consumer reports, and that any disputes raised must be investigated thoroughly and promptly. 

I have recently noticed that inaccurate information that was previously removed from my credit report has been wrongfully reintegrated. This includes [ insert brief description of inaccurate item ( XXXX ) and dates ], which I had successfully disputed and were removed in prior reports. However, these items have reappeared without proper notification, violating the FCRA 's rules regarding reinsertion of disputed information. 

Additionally, my recent experience with the dispute process has shown that it was handled in a manner that can only be described as a " sham investigation. '' Specifically, I believe that Experian failed to conduct a proper investigation into my dispute, as there was no meaningful review of the evidence I provided, nor did I receive a comprehensive response outlining the outcome or justification for the decision. I was left with no clear indication of how or why the inaccurate information was left intact. 

I urge Experian to conduct a thorough, fair, and detailed reinvestigation of my dispute and to permanently remove any erroneous information from my report. I also request a full explanation of how this process was carried out and the specific reasons the disputed information was reinserted. 

Under the FCRA, you are required to investigate any dispute thoroughly, correct any inaccuracies, and ensure that consumer reports remain a true and fair representation of an individual 's credit history. Please confirm in writing the steps you are taking to resolve this issue and ensure compliance with applicable laws. 

Should this matter remain unresolved, I will have no choice but to consider further actions, including lodging complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available to me under the FCRA.
Product: Credit reporting or other personal consumer reports

I filed a police report because someone illegally obtained my old social security card from before I was married. The loan was obtained in my maiden last name in XXXX. Ive disputed it multiple times and even with my police report I have to still deal with this being on my report.
Product: Mortgage

On XXXX XXXX XXXX XXXX XXXX XXXX by Nationwide Title Clearing Inc. its attorney-in-fact assigned mortgage to XXXX XXXX XXXX  with XXXX XXXX signing as Vice President. 
I would like to file a complaint against NTC and demand they disclose who autorized them to prepare assignment to XXXX XXXX XXXX  On XX/XX/XXXX XXXX XXXX XXXX then assigned mortgage to XXXX XXXX XXXX XXXX For XXXX XXXX XXXX XXXX by XXXX XXXX XXXX  XXXX with XXXX XXXX signing as Assistant Secretary. 
I would like to file a complaint against XXXX XXXX XXXX  XXXX and demand they disclose who autorized them to prepare assignment to XXXX XXXX  XXXX XXXX for XXXX XXXX SC XXXX ( even though XXXX XXXX states in letter attached that they do not own the loan or mortgage nor service the account ).
Product: Debt collection

Opened XX/XX/2018 ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 12 XXXX XXXX XXXX
Product: Debt collection

Zombie Loans were prepared, organized, aided, designed and brokered by unlicensed community association attorneys, bankruptcy attorneys, and bank attorneys licensed in Florida with aggravated identity theft for no less than one decade.

The organized embezzlement and laundering of zombie loans are direct contempt of CFPB sanctions and orders against XXXX XXXX and subsidiaries for no less than XXXX decade. Squatters enjoined falsifications under aggravated identity theft. 

Aggravated Identity Theft 18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. 

Attached documents show the organization of zombie loan embezzlement, laundering, perjury, and language that is in contempt of CFPB sanctions, orders and conditional civil penalty relief, in obstructions of victims relief from zombie, sham loans.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a transfer of {$72.00} once I realize I call and cancel the transaction XX/XX/XXXX. once is wasn't returned with in the 7 business day. I contact them once again and they stated that it was not cancel until until XX/XX/XXXX with additional 7 business then when it was not refund by XX/XX/XXXX that the 7 business date. I contact the executive team that didn't email me back.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$770.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00}.
Product: Credit reporting or other personal consumer reports

I am reaching out in regards to a XXXX XXXX XXXX XXXX account that is on my report being reported by XXXX, Experian, XXXX inaccurately & without my consent or authorization. which is a violation of the FCRA & Privacy Act Of 1974 under codes to name a few 15 USC 1681 & 15 USC 6802 ( b ). I also never gave the authorization for my non-public personal information to be shared & I have the right to opt out at anytime under codes 15 USC 6802 & 16 CFR 313.7 subsection ( f ). I have already reached out to XXXX XXXX XXXX XXXX in regards to this situation expressing how I never gave them the authorization to share my non-public personal with non-affiliates, XXXX, XXXX & Experian are non-affiliate third parties, which shows violation. 
I am opting out of the XXXX XXXX  account as I never gave the authorization to be reported & it is being reported inaccurately I am confident that this issue would be fixed immediately due to the extreme inconvenience.
Product: Debt collection

I filed for bankruptcy in XX/XX/XXXX and the creditor was notified. After my bankruptcy discharged in XX/XX/XXXX I checked my credit report to make sure all my debits were showing as included in my bankruptcy one creditor Capital One was still showing my account in Charge-Off status. I disputed the item on my credit report through XXXX and received a response that the debit was valid. I contacted Capital One directly on XX/XX/XXXX was told by XXXX agent # XXXX XXXX that the debit was exempt from bankruptcy. According my bankruptcy filing only taxes, federal student loans and child support are exempt from bankruptcy proceedings with a few other exceptions but unsecure credit cards are not the exception. At my creditors meeting during my bankruptcy proceedings Capital One did not dispute the debit. All debits prior to XX/XX/XXXX are discharged as of XX/XX/XXXX per bankruptcy discharge papers from the court system. I am asking for you assistance in resolving this matter as it is negatively affecting my credit. I am trying to rebuilt my credit and having bankruptcy is difficult without have a discharged debit being considered twice.
Product: Checking or savings account

My company XXXX, XXXX acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) in XXXX of 2021. 

I opened an account with Suntrust and informed them of the acquisition and that we would need to be able to accept checks from the acquisition. 

We deposited {$7400.00} ( 3 checks ). Within two weeks, sun trust closed the account XXXX XX/XX/2021 ). 

Since then, we have provided all documents suntrust has requested except our customer 's bank statements. We do not have access to our customer 's bank statements and that is very unprofessional for us to ask of our clients. 

We provided Suntrust with our registered DBA with the florida division of corporation and the purchase agreements and all relevant documents that clearly identify XXXX as the owner of the business. They refuse to provide us the funds until we give them our customer 's bank statements which has nothing to do with whether the funds are ours, which is clearly identified with the documents we have.