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

After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. According to 15 U.S.C 1681s-2 ( a ) on ( XX/XX/XXXX ) this company then closed the account and furnished an account on my consumer report without my consent. 15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 15 U.S.C 6802 ( d ) This company disclosed five late payments to nonaffiliated third parties which still reflects on my consumer reports. 15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).
Product: Mortgage

Mr. Cooper aka Nationstar Mortgage sold my loan to XXXX but never forwarded my last payment to XXXX causing a default in my mortgage and false negative payment history on my credit report.
Product: Credit card

There is a fraudulent charge on my account that occurred during the time my account was serviced by XXXX. However, XXXX has been very helpful each time I have spoken with them and verified that the information and duties are now with XXXX for my XXXX XXXX XXXX card. XXXX was about to put me on a 3 way call with XXXX twice and helped me explain the situation, both of these times the representative looked at the account and then informed me that I needed to be transferred to another department. During both of these calls, as soon as the XXXX rep left the line the Synchrony rep became rude, then one of them transfered be back to XXXX customer service instead of the Synchrony fraud department as they said they were doing, the other said they were transfering me to the Synchrony fraud department and instead just hung up. They refuse to allow me to report the fraud that happened in the amount of {$3600.00} on XXXX/XXXX/14.
Product: Credit card or prepaid card

I XXXX XXXX am natural person, and consumer. I am aware of my consumer rights and the laws set in place to protect consumers against unethical debt collection practices. I contacted PayPal Credit on XX/XX/2021 I spoke with XXXX XXXX # XXXX she stated to me my credit card payment was being partially applied because Synchrony bank has the right to violate my consumer rights and hold any and all payments and apply them to my credit balance whenever they deem fit. This egregious behavior is a direct violation of 12CFR part 226 truth in lending ( regulation Z ).
Product: Debt collection

On Thursday XX/XX/18. I received a notification from my XXXX credit report that there was a collection filed against me by dynamic recovery solutions for the amount of {$800.00}. I have no knowledge of the debt nor have I received any paperwork stating owed the debt prior to the collection being posted on my credit report. I had reached out to dynamic recovery solutions in an attempt to verify what the debt was for. The company was supposed to get back to me 48 hours later with proof of the debt. However, I have not seen any communication on the debt. They did not produce the documents to support that I had owed the debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report.However despite my submission XXXX responds within a couple days stating that account is accurate without providing any evidence after the investigation.This is truly in violation the Fair Credit Reporting ( FCRA ), 15 U.S.C 1681iwhich mandates a reasonable investigation of disputes .Furthermore Experian actions may also contravene with the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I am requesting for CFPB to take action and ensure XXXX complies with the federal law and provide consumer with proper complete and necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed approximately {$730.00} to XXXX XXXX, {$4000.00} to Prosper Market Place and {$2200.00} to XXXX XXXX. The account ( s ) were closed, charged off and sold to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. After I paid the account ( s ) in full I was told that the three mentioned companies would change the status on my credit reports to " Charged Off, paid in full '' after XXXX XXXX reported to XXXX XXXX, XXXX XXXX XXXX reported to XXXX XXXX and XXXX XXXX reported to Prosper Marketplace the account ( s ) as paid in full to them. It has been over six months in one case and an approximate month on the others and no change has occurred.I have contacted XXXX XXXX, Prosper Marketplace and XXXX XXXX and no action has been taken. I have disputed the accounts via the three credit bureaus ( XXXX, XXXX and XXXX ) and still nothing. Attached are the Paid in Full letter ( s ) for your review.
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX ( 11 years )
Product: Debt collection

Received a call on XX/XX/year> @ XXXX from Reliant Capital . I immediate returned the call and got XXXX, XXXX. Immediately XXXX would not allow me to get his information. He kept cutting me off without knowing what I was asking. 

Then he proceded to ask personal information like SS #. When I asked what was the reason for this he would not tell me. 

I do not know their reason for calling.
Product: Credit card or prepaid card

Carecredit through synchrony bank. Got it because my vet was partners with them and my cat needed XXXX, all was good until actually paying them back, they have bumped almost every payment i have made while giving me conformation numbers for all the charges, did not tell me they bumped them, charged a fee without telling me, canceled my account without telling me, charging me more interest rates because of nonpayment because they bump every payment thus knocking my credit score down XXXX points. On top of that you'll receive calls, texts, emails that are very unprofessional from them telling you to pay your account months after they bumped all your payments. Their explanation " your bank canceled the payments '', bank says they were there and just dropped off for no reason.
Product: Mortgage

Purpose : Out of forbearance to refinance with lower rate to lower the payment My mortgage lender is Caliber Home Loans. I previously was enrolled in forbearance plan due to my family was impacted of XXXX. I stopped the payment since XX/XX/XXXX and resume the payment on XX/XX/XXXX. I made five satisfaction payment ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) which should qualify to refinance. 

After resuming the payment, I was enrolled with load modification to pay the due amount during the forbearance period. The loan modification rate is 3.0 % and I was working toward to the end to send back the document. During this time, I also seeking refinance as an option with XXXX XXXX XXXX  which offer 2.5 % rate and to the final stage. I intend to get out of forbearance to refinance with XXXX XXXXXXXX XXXX to lower interest rate to lower the monthly payment including the due amount in the forbearance period. The refinance underwriter have concern regarding to I am still under forbearance and have loan modification hence request the statement. In order to proceed further, I request the statement from my current mortgage lender ( Caliber Home Loan ) to provide that I am not in forbearance nor moving toward loan modification with them.

We had a discussion with the ( Caliber Home Loan ) manager XXXX ( not sure the spelling ) with agent number XXXX to request the requirement on XX/XX/XXXX or XX/XX/XXXX. I inform that I do NOT want to move forward with the loan modification but refinancing with due amount to pay off then move on. But the agent keep repeat that I would need to sign the loan modification or pay full amount to be released which seems misleading and limit my option. It was brought up that this would also report and hurt my credit for the past due hence I have to keep it ( loan modification ) for now to protect my credit score while we working through this process. 

For the current process that we will need to document be ready before XX/XX/XXXX to meet the deadline but this keep holding it.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX since XX/XX/year> when I discovered an account in my name with their company and at the time of incident I was XXXX XXXX XXXX XXXX. I sent letter on XX/XX/year> after contacting them and disputed all claims The items was removed from my credit report XXXX XXXX XXXX on all credit bureaus and now has been reinserted and I have not received no letter from them indicating why this happened. Ive sent email numerous of times and they keep reinserting and it's no way this info should be verified when all supporting documents I gave does not support this account on my credit. the news article and my XXXX  XXXX  is included in attachments 15 U.S.C. 1681, ET SEQ. 
FAIR CREDIT REPORTING ACT ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
and email numerous of times and they keep reinserting and its no way this info should be verified when all supporting documents I gave does not support this account on my credit.
Product: Mortgage

Trying to get a loan modification since XX/XX/XXXX after the birth of my son and loss of come from my late husband and myself being on maternity leave. Ive received miss-guided and missed leading information from the mortgage company which continues to delay my process. Ive struggling to get the mortgage to hear me out as I want to make things right. XX/XX/XXXX I was able to prove I can afford the mortgage and pay the mortgage but my non-owner occupied co-borrower ( who is my uncle in law ) refuses to comply so I could move forward with a modification. Prior to my husband passing away I was asked to get a quick claim deed ( XX/XX/XXXX ) only to be told that doesnt support my case, I was approved for a variance ( XX/XX/XXXX ) and I was approved for a modification and I completed my three month trial period ( XX/XX/XXXX ) only to be told in my final process of the modification my co-borrower would not be removed after being promised he would be removed with every phone call and conversation I had with representatives.XX/XX/XXXX I was told the reason my modification was not processed and completed is because I neglected to submit a copy of the variance approved by HUD. Is my understanding the mortgage company is typically supposed to request a copy of the variance. As of XX/XX/XXXX I was told the removal of a co-borrower is a case by case situation but my case does not grant that and I was also told it is to the discretion of the mortgage company to obtain a variance. I was told they are not obligated to obtain one especially because they dont feel my case was a necessary situation where they would have to remove my co-borrower. 
I asked why was I approved, why did they make me go through the trial period And pay money knowing my co-borrower was noncompliant from the very start of me requesting a modification ( in XX/XX/XXXX ) only to be told the company felt bad for me for two years and unfortunately that led to me being misinformed and miss guided throughout this process. I have made countless calls and requests to get answers and understand why am I receiving this type of treatment only to be told I could not speak with a manager or a supervisor and they could not provide me with appropriate information to file a complaint. To date I struggle with finding out how to reach out to corporate because I was told that is not something they have to share with me. I need help as Ive struggled to get help or accurate information well trying to file for a mortgage modification. My husband passed away XX/XX/XXXX and it has been my desire as well as my families to keep our home. Im determined to make things right and to pay but Im finding difficulty working with my mortgage company.
Product: Credit card or prepaid card

Citi XXXX, the issuer of my Citi credit card, failed to resolve an overcharge on my credit card placed there by a merchant with whom overcharged for a service provided. Prior to the transaction date, XX/XX/2019, I called the merchant and they gave me a quote for some car repair work. That amount would have totaled about {$50.00} with tax included, so I dropped off my car overnight on the XXXX. When I went to pick-up the car, the bill was $ XXXX. I said, " you quoted me {$50.00}. '' They basically said either pay the bill or we will keep your car. So, I paid the bill, and contacted Citi about the overcharge. Citi decided that " bait-and-switch '' was legal, I do not think it is.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX have all reported my credit score wrong some of injuries, My credit score never goes up only goes down I've had a XXXX score for A year and a half now That's all the keep reporting my score yet
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 Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a 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: Checking or savings account

On numerous occasions with Wells Fargo Bank I have asked them how can they show a payment as approved in my transaction list and then later something else hits and they do not pay the previous item. I was charged fees by Wells Fargo and also the entity that I had no idea was placing a charge to my account. I stated I do not think it was fair for them to approve something that I was aware of and reverse it after the fact. Why would they pick and choose instead of giving a notification to me because they have called me to verify a charge before by calling me. I started taking screen shots and also turning my card off when I do not make purchases for people who attempt to take payments without my permission but did have my card. Wells Fargo even paid things from my account when my card was turned off and I have asked them how can they do that when I have a screenshot of the date the card was off and when it got turned on. I was told if I gave the card out to a company they can use it when they chose to at will. I replied each time if the card is turned off you are still not supposed to allow the charge to take place. They said it was not true. I was told that a charge can transpire if they had my routing and account number only and that was why I started assumingly protecting the account from charges that could make my account go into negative status like a banker told me there before and turn it off. They keep changing on me. It is not fair and I am struggling to survive as is. Help me please.
Product: Mortgage

Our account was assessed an additional {$120.00} fee for post-bankruptcy fees from Selene Finance. We do not dispute this. However, we wanted to pay it online and also pay additional principal. When we logged in to do so, there website would not allow you to pay additional principal nor pay the {$120.00} fee. It only allows you to pay your set mortgage ; which our mortgage agreement allows us to pay more towards principal without being punished. So upon calling Selene ; they stated we had to make these payments by phone and pay an additional {$12.00} to do so. This is not part of the mortgage agreement if their website won't allow an additional payment. You shouldn't be charged to do so.
Product: Debt collection

The information thats being reported is not mine I had no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian to remove the inquires. I have even place a Fraud alert on my report and Experian refuses to remove them.The request that I submitted included XXXX hard inquires that were not factual and received the same response for ALL inquires which was inquiries are factual record on file access. If you I believe this was unauthorized. Please contact creditor. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 7 days after the receipt of my letter one can assume that there was no investigation into the matter. I plan to purchase a home in a few months and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.Kindly investigate my claim in accordance with Fair Credit Reporting Act.
Product: Credit card

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time, yet they are being reported as late.
Product: Debt collection

Over the last 2 months of XXXX and XXXX I have been receiving numerous harassment of calls every 5-10mins a day! They are using fake numbers that are not in service as well as their own company phone.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX of XXXX, FL reported to XXXX  and other reporting credit beueaus that a debt in the amount of {$2200.00} was owed from an old XXXX account. Several months eariler XXXX sent this debt to another collections agency called XXXX  XXXX in XX/XX/XXXX. I contacted them and proivded documenation showing I do not owe the debt and that it was paid off well before the account with XXXX was closed. XXXX XXXX confirmed and corrected the reporting inforamtion. Now, XXXX has resold this inaccurate debt to XXXX XXXX XXXX who refuses to remove the inaccurate debt dispute providing documentation showing the account does not belong to me. On XX/XX/XXXX, I noticed a collection debt reporting on my credit report. I reached out to XXXX XXXX XXXX to investigate the debt. They did not have any accurate contact information on file for me, so I never was notified about the debt, it just went straight to the credit report. I was told to submit a dispute to email my request to XXXX and reference # XXXX. Shortly I recieved an email stating they can not delete the account from credit bureaus. I asked CFPB honor its mandate and protect this consumer of unpair and illegal reporting of false debt.