23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company loan ( XXXX loan # XXXX ) was sold to ( green tree loan # XXXX ). XX/XX/XXXX. Which has now turned into Ditech XXXX # XXXX. 
They ( Green Tree/Ditech ) Claim that I missed a payment. I have not and sent them the proof a couple of times. And they still claim I missed one payment and are charging me late fees on top of the regular payments. I have ALL the bank statements and copies of checks to show that I paid every payment. As well as a Expense Detail Statement from XXXX XXXX showing they released {$1800.00} to Green Tree on XX/XX/XXXX. I need to know how to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfair practice by GM Finanical. Please help! 
I had a lease with them on a XXXX XXXX  that was turned in on around XX/XX/XXXX. I also bought a new XXXX truck from the XXXX dealership. I was alerted by my mortgage company ( that I am trying to get a mortgage through ) that my credit score just dropped over 100 points due to GM Financial. I called GM Financial today XX/XX/XXXX and spent over 90 minutes getting transferred 4 times to different areas and sitting on hold over 15-20 minutes on each transfer. Only for them to tell me that they sent one ( only one letter ) letter about the additonal charges ( mileage overages, extra wear and tear ). Which I never received. How could you ruin my credit without alerting/billing me of the problem? They then said they called me numerous times on this debt. I then asked what phone # they called and they told me my old office number from my old home. Obviously, I never received a call. They proceeded to tell me it was my fault because I never updated my phone number. 
First, I turned in my lease and bought a new XXXX from the dealership and gave them all my new information. Why would it ever even cross my mind to update the information ... when I turned in the leased truck in and gave them all my new information on the new truck? 
I have no problem paying my bill, but need them to be fair and remove this from credit report. My mortgage agent said GM Financial has done this to many customers! This is not fair that they do this to good customers ... I have tried to resolve fairly! Need help with GM Financial, as this is not right that they can ruin my credit, without alerting me! 
I can pay the bill ... Any help you can give is appreciated!
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. 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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I demand the following accounts be verified or deleted immediately. 



1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 3. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX 4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please delete immediately. 

6. Please verify or delete. 
XXXX XXXX XXXX  Account Number : XXXX Please delete immediately. 

7. Please explain how you verified this account to remain on my report when it has already been sold and transferred to another lender. 
XXXX Account Number : XXXX If unable to explain then please delete immediately. 

8. Please verify or delete. 
XXXX XXXX XXXX Account Number : XXXX Please delete. 

9. How are you reporting this account on my report when it is a MEDICAL collection and a HIPPA violation XXXX XXXX XXXX Account Number : XXXX Please delete immediately. 

10. How are you reporting this account on my report when it is a MEDICAL collection and a HIPPA violation XXXX XXXX XXXX XXXX Account Number : XXXX Please delete immediately.
Product: Debt collection

Despite multiple notifications to Equifax regarding the constant reporting of an incorrect amount owed by XXXX XXXX - XXXX, the issue persists. I have repeatedly informed Equifax that I have never made direct payments to XXXX XXXX. Instead, I make payments to the original creditor, XXXX XXXX, for which I owe only {$300.00}. Any medical debt under {$500.00} should be promptly removed from my credit report. Please refer to the attached recent bill from XXXX, which clearly indicates a balance of {$300.00}. 

Failing to rectify this account after being informed of its inaccuracy would be a violation of my rights under the FCRA. Enclosed, you will find copies of the bill showing a {$300.00} balance owed. 

I'm also attaching proof that Equifax is allowing the reporting of the balance owed to constantly be increased and decreased. It is now increased to showing over {$600.00}.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I applied for extension of credit. Atlas Credit Company , Inc. immediately denied an extension of my credit. This is 2 violations of the ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.
Product: Debt collection

SOUTHWEST CREDIT CALLS FROM 3 NUMBE RS  XXXX ,  XXXX ,  XXXX . I WANT THE CALLS STOPPED. THIS HAS BEEN GOING ON FOR MORE THAN 2 MONTHS. MULTIPLE CALLS A DAY FROM DIFFERENT NUMBERS.  BILL POSSIBLY  ABOUT A  XXXX  PHONE BILL DEBT. THEY PURCHASED FROM  XXXX . I OWE  XXXX  NOTHING!!!!! THEY ARE CALLING MY HOME PHONE  XXXX  - PLEASE HAVE THE HARASSING PHONE CALLS STOPPED. THANK YOU.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 SECTION 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b 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: Credit reporting or other personal consumer reports

I reported fraudulent activity on my credit report to XXXX Regarding them reporting a fraudulent account that was opened in my name along with a police report showing proof and its still on my credit report negatively affecting my credit and inability to obtain credit. Which is in violation of my rights from XXXX under the FCRA law.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a line of credit. I was approved for {$2000.00}, and initially took out {$1000.00}. after a few days I took out {$500.00} more. I went to check the payment schedule, and there was not one, only one for the most recent payment of {$65.00} due on XX/XX/year>. I spoke with customer service, a woman names " XXXX '' who was unhelpful and refused to answer questions about a payment schedule, following the payment on XX/XX/year>. She refused to give me any information, staying that there are not payment dates or payment estimates, as it is a line of credit. After threatening to take legal action she " offered '' estimates. She was purposefully hiding this information, and I am unsure if I can believe it at this point. She is still refusing to give me a time payment schedule, repeatedly saying, " this is a line of credit, there are no payments ''. Despite my contract saying " You're set up for recurring pre-authorized Automated Clearing House ( ACH ) payments. Any scheduled payments will be automatically debited from your bank account on your due dates. '' So there are payments available and a schedule for that matter, but she is refusing to give them, and now I feel like I am being scammed. Biggest regret was using this company. I have taken out line of credit with high interest places before, and was always given at least an estimated payment schedule. They are straight up refusing to give you any information.
Product: Debt collection

Shellpoint Mortgage Company Keeps Harassing Me No Matter What I Tell They Sending Letters They Said To I Was Dead Then They Send Me A Letter Talking About I Have To Go To Court Then They Turn Around And Send Me A Letter Talking About I Owe Them {$100000.00} Dollars And I Don't Know What They Talking About
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 XXXXXXXX, 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: Credit card or prepaid card

In XXXX XXXX 2018 Citi decided to take it upon themselves to be able to decide what kind of legal firearms components I could purchase. This is an invasion of my privacy and personal rights. They way over stepped their role and how they insert themselves into our private lives.They are bullying us legal creditcard holders that have the citi double cash back card. My citi mastercard number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, XXXX & EQUIFAX see attached ;
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 : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

In accordance with the Fair credit reporting act convergent Accounts CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR  : XXXX XXXX XXXX XXXX Account:XXXX  : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account.

CREDITOR / COLLECTOR  : XXXX XXXXXXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX XXXX Account:XXXX  : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX AccountXXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX Account:XXXX : BALANCE : {$310.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 


The Credit bureaus stated that my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is accurate. This ground for removal the also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation.
Product: Consumer Loan

This company is Castle Payday, It goes and has gone under multiple names, Red Rock Lending, and has now changed its name to Big Picture Loans. Avoid at all costs I made the mistake of taking a loan out with these scam artists, I was approved for a {$800.00} loan, but only borrowed {$350.00}. I was told by the Rep on the phone that there would be a finance charge, steep, but I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, over 750 % and that the total repayment amount for my {$800.00} loan would be a well over XXXX. 

Payments were {$350.00}. Even with high interest I figured XXXX or XXXX payments would do it. 

My bank looked into it. Agreed it was outrageous. Now, they tell me theat Castle has come back with legitimate paperwork. 

Well of course they have paperwork. I signed it. At the time it WAS NOT REVEALED that payments were interest only - the loan just builds and builds!!!!!
Product: Credit card or prepaid card

Best Buy credit card, was XXXX when opened, now Citi bank. 

I just found out that I have been charged a " debt protection '' or " credit life insurance '' fee on my Best Buy credit card every month since I have had the card. I was told that I opted for this " service '' when I opened the account in XXXX, XXXX. I disagree as I would not willingly pay a fee for credit life insurance. My wife and I have enough savings to pay for something like this and we both also have life insurance policies. 

I have attached my statement from XXXX XXXX because that's as far back as I can access through my account. Also attached is the most recent statement form XXXX XXXX. The fee was charged every month since the account has been open.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America sent us a notice that they were revoking our credit and closing all my business and my personal bank accounts and credit cards. This is XXXX accounts total that they closed. We didn't receive any notice at all, we found out on Friday the XXXX, that it was closed when all our cards were declined and we got a notice via e-mail. 

Here 's the issue, I had banked up {$6300.00} in rewards. I know that their policy says that upon termination these rewards are null and void, but I don't think it was fair for them to close without any kind of notice. I could have used those to clear out those balances a bit before finding a new bank. 

As a practice, this seems suspect if we were in good standing, hadn't had any major issues recently and have had a relationship with them for about 20 years. I know they owe us nothing, this just seems a bit predatory. 

I contacted them multiple times on the XXXX and today the XXXX as I was overseas and all they could tell me are the dates when things were going to end. There was no leniency, explanation or flexibility given that this would massively impact my business and since I'm currently overseas on business, really forces my hand into another potentially bad situation because I don't have the time to come back and interview another bank appropriately.
Product: Debt collection

On XX/XX/XXXX I received the first phone call from XXXX. The caller identified them self as calling from Commonwealth Financial. I advised I do not have any business with Commonwealth Financial.  The caller hung up. I returned the phone call asking to speak with a manager. I advised I do not have business with them and to stop calling my cell phone. Agent hung up. 
On XX/XX/XXXX I received another phone call XXXX. The caller again identified from Commonwealth Financial calling about a business matter. I advised the caller I do not have any business matters with them. I asked the caller to stop calling my cell phone. The caller hung up. I called the # on their website XXXX and the answering party hung up when I asked to have my cell phone number removed from calls. 

I went on their website in an attempt to see if any " accounts '' exist. They have a look-up system. Based on their search criteria, I do not have an account with them.
Product: Credit card or prepaid card

I make a payment and the balance of the credit card Never goes Down it stays practically in what I owe I have complained and they lowered it to XXXX then after 2 months it jumped up again to XXXX this is unacceptable they gave no help with Coronavirus! Another XXXX thing they did is while having a High balance on the card they lowered the credit limit leaving me over the credit limit and damaging my credit.
Product: Checking or savings account

CHASE bank XXXX proceeded to buy an insurance policy without my consent which is an XXXX  action given the fact that I already have insurance covered by property management in my condominium and given the fact the I provided such information to them, including the documents supporting such insurance policy.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to the dispute resolution center to file a claim about a transaction from a fraud merchant. I was sold a product with no box that was defective and full price. The merchant scammed me which is appalling considering it was a business in XXXX XXXX airport. My credit union did little to nothing to investigate the company or the dispute and simply said they could not help me any further which is untrue and very complacent for an establishment that I trust my money with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my recent credit reports online and noticed on my Equifax report, there are several accounts in collections but no information on who the collector or agency is. I have no information stating where these accounts are coming and unsure how it was verified to be mine. I have no original creditor listed nor a collection agency. From my understanding, if an account has the ability to be listed as a negative account, I have to right to know who the original creditor is, and also who is trying to collect in the account. I have no information to go by to verify these accounts. This is clearly a violation. These accounts are hurting my file negatively and I would like for them to be removed immediately. I have included a screenshot of each account listed.