23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have requested now FOUR times to explain what a {$340.00} payment is that is coming from my account each month. It is isted as " XXXX XXXX XXXX ''. My homeowner 's insurance policy was paid XXXX XXXX on XX/XX/XXXX in the amount of {$2300.00}, so it's not my homeowners. Additionally, I've spoken with my homeowner insurance agent, and this is not something they are receiving, and they have no idea what this would even be. It should not be a PMI payment as our XXXX is well over XXXXXXXX XXXX. The only other payment from my escrow account should be property taxes which are paid XXXX, and this is. not for taxes. They were paid ( XXXX ) on XX/XX/XXXX, and will be paid again in XXXX. This " mystery payment '' started being paid in XXXX, when they began servicing our account instead of hte prior servicer, SLS. They have now paid - to someone, we have no idea who - a total of five payments in the amount of {$1700.00}. I have repeatedly requested information from them about WHAT this is, WHO they are paying and WHY this only began when they started servicing myu loan. Additionally, I requested a full refund ( not to my escrow, but directly to me ) for the overpayment, as well as an adjustment to the escrow payment, if needed. I keep getting their canned response : " we're working on this request and will get back with you ''. I started contacting them in late XXXX when I discovered this error, and I'm tired of waiting as I've made two payments since then, and am due to make a third. I'm hoping you can assist. 
( Attached a photo showing all payments highlighted in yellow )
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report, Please remove this account from my report, its hurting my ability to obtain credit
Product: Debt collection

In 2019, I had signed up for an online XXXX XXXX XXXX and was going to pay for said coure utilizing a loan from a company called Launch Servicing ; however, prior to even starting this XXXX XXXX XXXX, I ended up CANCELING my enrollment due to the fact that the school repeatedly failed to send me the proper course materials that would be needed to successfully work on and complete this course. I then conducted extended research on this " school '' and found through many other student reviews that this school was a scam and MANY people have had extensive problems with this school. Honestly, it has been so long that I do not even remember the name of the school, but what I DO know for a FACT is that I did NOT take this course, did not even begin it, and immediately CANCELED my enrollment and CANCELED my financing through Launch Servicing. 

Fast forward to just a few months ago, I was examing my consumer credit reports and disocvered a collection account from Launch Servicing, claiming that I owe {$3600.00}. This is ENTIRELY INCORRECT. I EXPLICITLY CANCELED MY ENROLLMENT AND CANCELED MY LOAN PRIOR TO EVEN BEGINNING THIS COURSE! I immediately contacted Launch Servicing via email and did not receive any sort of response. Finally, after an ENTIRE MONTH of emailing these people, I received a response from Launch Servicing, claiming that I DID NOT cancel my enrollment in this course. This is ABSOLUTELY FALSE. I never even STARTED this course and CONTACTED BOTH LAUNCH AND THE SCHOOL TO CANCEL BOTH MY ENROLLMENT AND MY FINANCING. Therefore, Launch Servicing is SLANDERING and ASSAULTING my good credit with this ENTIRELY FALSE information, claiming that I owe them nearly {$4000.00} for a course that I NEVER EVEN TOOK. To make matters EVEN WORSE, since contacting these people, I am now receiving MULTIPLE HARASSING PHONE CALLS PER DAY as well as letters via mail from a collection agency by the name of XXXX XXXX out of XXXX, DE. So, not only is my credit being slandered by Launch Servicing, but their collection agency is now constantly harassing me and blowing up my phone multiple times per day. I will NOT stand for this behavior and I will NOT allow my otherwise SPOTLESS credit reports to be tarnished by LIES.

For the sake of context, I have conducted further research on Launch Servicing and found that they are currently being sued by another indivudal for their unscurpulous debt collection practices, which may be found via this link : XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

In XX/XX/2020 I, like many others, was financially impacted by the COVID-19 pandemic. I proactively reached out to BMW Financial to request a lease deferral. On XX/XX/2020 I received both verbal and written confirmation from BMW Financial Services that my lease would be deferred for the months of XXXX and XXXX and that the automatic recurring payment withdrawals linked to my checking account would be placed on hold until after the delay period. 

On XX/XX/XXXX I went to the purchase groceries and to my shock my card was declined. When I checked my account balance, I learned that BMW Financial used my previously stored checking account information that they had on file to withdraw the entire balance owed without any warning or my consent. This fraudulent withdrawal is in direct breach of their verbal and written agreements to defer my car payments for the months of XXXX and XXXX. This fraudulent charge has resulted in numerous overdrafts fees, bounced checks and has left me with no money for food, rent or utilities. 

I am disgusted that BMW Financial has breached their customer agreements and they continue to illegally access checking account to withdrawal money from people who are in dire economic situations and who have applied for and been granted payment deferral by BMW Financial. They are predators who are taking advantage of their customers in the middle of a pandemic. 
I am happy to provide copies of all correspondence with BMW Financial including two separate letters stating my payments would be deferred along with documentation that BMW Financial accessed my checking account and withdrew the funds without my knowledge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Creddit Reporting act. The List of accounts below has violateds my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A.. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section z : It also states a consumer reporting agency can not furnish a accounts without my writtenn instruuctions

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

I am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Debt collection

Lvnv funding llc states that account was open with them for the amount {$470.00} on XX/XX/year> and I have no knowledge of it. I am in no contractual agreement with them and this goes against USC 15 262.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased one office chair in XXXX. XXXX sent two, then issued XXXX return. I got confirmation that they received return. However, they recharged me in XXXX for another chair. I had paid for the chair I bought, but their internal investigation keeps saying that my bill, now accumulating late charges for months, is correct. I got one chair and paid for it, but I am still Being reported as delinquent. The bank behind it, XXXX, sent me a letter stating that the investigation was closed and they were right. Please help.
Product: Mortgage

I have been applying for assistance since XX/XX/XXXX. My loan is an FHA loan and my lender Wells Fargo Home Mortgage has been refusing to review me for assistance since then. They keep having me send paperwork over and over and then block me from a review each time stating they can not review me without a new change of circumstance. My husband who was half of the income for the household moved out in XX/XX/XXXX. He moved back into property after we reconciled and this was our change in circumstance. My household income went from only XXXX source back to XXXX. Wells Fargo has only played games to buy time to be able to stall and get more for my house. They never had the intention of reviewing me for assistance. They only placated me by taking my paperwork, but never actually reviewing it for assistance since XX/XX/XXXX. They did this in order to buy time and now they are trying to push me out of my home without even reviewing me for assistance to save my home. I now have a sale date and I finally hired an attorney to get my financial packet complete and they now state I can not reapply without a change in circumstance. They have been using this excuse to turn me down since I started asking for assistance back in XX/XX/XXXX. My change in circumstance is that my husband moved back into the property with me so my household income has increased and our out of pocket expenses have decreased. They have never actually reviewed my file for assistance. They continually deny reviewing me for assistance stating that I have no change in circumstance. No matter how many times I tell them there is a change, they just refuse to actually review me for assistance. I only want to actually be reviewed for assistance. I am being told by my attorney that I do qualify for a standard recap modification now that my husband moved back into my house. That Wells Fargo blocks borrowers from assistance as their common practice. Please make them stop blocking me from an " actual '' review and help me save my home. They have never had the intention of reviewing me for assistance and are solely trying to just block and foreclose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX  I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. 
Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. 
Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. 
Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. 
There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. 
One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. 
Thank you for understanding. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on ENHANCED RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations.

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile.

3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report  accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



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

Alantic Bank which is formally known as XXXX XXXX XXXX has inaccurately reported incorrect information on my credit report and now my credit score went from XXXX to XXXX with high credit usage. And late payments now I have already tried multiple times to close my account and contacted them about this inaccurate illegal reporting inaccurate information and reporting of information that had impacted my credit and has impacted me financial and harmful to being able to get accepted for a home for me and my family therefore not able to get a home almost homeless because of thier actions and inaccurately information they are reporting and still reporting even after I have contacted them and told them yet again to close my account because I have not agreed upon having it open I have closed the account several times already. And this company is not following any laws or regulations and going against my civil rights and withholding my funds and it's a secured account no credit it's all my own money in my account therefore by law no reason to not do what is requested by the fundee and obey my civil rights and request for closing my account that is still open without my consent against my rights and obligation to make me pay for this account that is now fraudulently reporting false information on my credit report and still active and open yet not available to use. Ignoring my messages and calls. Won't respond and opening different accounts on my credit report and under my name fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text from XXXXOportun that my loan was ready ( I didn't apply for a loan ). Shortly after my employer sent an email informing employees there was a data breach had occured in the company and XXXX Oportun was sending employees notice of loans. On XX/XX/22 I called Oportun and made a fraud claim against a loan they created in my name Loan # XXXX. The caller advised me that there was a loan but, no funds had been disbursed. Oportun said they would send the claim to their fraud department. I called again XX/XX/22 and Oportun had no record of my initial call. I requested Oportun badge numbers they had none, Loan number, and the amount on loan. Oportun said they disbursed {$8000.00} to a XXXX prepaid card after telling me on XXXX that no funds had been disbursed. I ask to speak to a Manager or the fraud department and the call takers state that they WILL NOT transfer me to a manager or the fraud department ( because they don't exist ). Oportun issued me a fraud ticket number of XXXX. Update : XX/XX/22 I have called Oportun back multiple times, each call-taker has no record of my fraud ticket based on the REQ number they gave me. Oportun asks for 1 more piece of my personal information with each call. ITS FRAUD and I am not dealing with Oportun 's fraud call center.
Product: Credit card

I logged into my online banking account with TD Bank where I have a checking and savings account. I noticed there was also a credit card account attached to my accounts which I did not apply for. I called TD Bank and reported the credit card account. They transferred me to the credit card company where I closed the account. They then transferred me to the fraud department where I reported it. I was told by the credit card company that when I was at the bank on XXXX XXXX, in person, I applied for the account. I reported that though I was at the bank on XXXX XXXX I did not, nor did I authorized anyone to apply for an account.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting or other personal consumer reports

I recently receive my credit report and noticed that there is negative payment history on my file that inaccurately represents me. The accounts are XXXX student loans and late payments as far back as XXXX and XXXX. 

The dates that are reporting inaccurately XXXX - ( XXXX, XXXX, XXXX ) XXXX - ( XXXX, XXXX, XXXX, XXXX ) These accounts violate the FCRA laws and inaccurately represents my credit profile. 

Can you give me assistance with this?