23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has come to my attention upon checking my consumer report that inaccurate information has been furnished. Per the FCRA as a federally protected consumer I have the right to accuracy [ 15 USC 1681e ( b ) ], as well as privacy according to the Privacy Act of 1974, and the option to opt out of any reporting on my consumer report [ 15 USC 6802 ( b ), 16 CFR 313.1, 16 CFR 313.7. ] My rights have been violated. My closed account with XXXX XXXX XXXX  is reported as charged off inXX/XX/XXXX my consumer report. A charge off is considered a certificate of indebtedness which is INCOME.

Income does not get reported on the consumer report which in fact makes the reporting of this account inaccurate! It is prohibited by law to have inaccurate information on your consumer report and this information is indeed inaccurate.

As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The continued reporting of this inaccurate information is a clear violation of the law. 

In addition to this inaccuracy, this charge off report of this account is only showing as such on to one consumer reporting agency and still showing as an open account on the others as XX/XX/XXXX The balance on each report is different also. On one consumer report it states a {$20000.00} balance versus a {$20000.00} on the others. This is another inaccurate reporting and must be removed from my credit profile! 

This has caused me and my family severe harm due to this negligence and inaccurate reporting. This has caused damage to my reputation, my character, and my general mode of living and my ability to obtain credit for personal and house purposes. 

I am now opting out of any and all authorizations that I, the consumer, may have given you written or non-written, verbal or non-verbal for the reporting of this closed XXXX XXXX XXXX account from the date the account opened until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XX/XX/XXXX credit card which I paid in full by XX/XX/2020, I chose not to have automatic payments since I owe nothing. They charged the annual fee and I didn't notice because I no longer use the credit card and then in XXXX they reported the bar credit to the bureau without a late payment notice by mail or phone and even worst they didn't care about the covid forbearance on act by then. The amount why they filled the negative report it was just {$40.00} and if you check my finance history I never missed a payment in any of my credit or loans to have such a small amount affecting my credit score. I hope you can help me ask them to get back in reason and regularize my credit score which is the more important for me
Product: Credit reporting or other personal consumer reports

I am filing a complain against Experian for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions my also contravene the Consumer Financial Protection Act, ( CFPA ), 12 U.S.C 5356 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.8:25-cv-00024 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that are inaccurate : XXXX XXXX XXXX -- {$2400.00} XXXX XXXX XXXX {$140.00}
Product: Mortgage

I purchased on home in XX/XX/XXXX that had a 1st and 2nd mortgage. In XX/XX/XXXX unfortunately we tried to do a deed in lieu of foreclosure. It was approved by the first mortgage holder XXXX XXXX XXXX and they offered Green Tree Servicing XXXX XXXX XXXX XXXX XXXX {$6000.00} to release the lien. They requested documentation and all requested bank statements, etc was sent over multiple months. Eventually XXXX cancelled the Deed in lieu because of the delay with Green Tree and ended up foreclosing on the property. I received a phone call from Green Tree months after the foreclosure saying they would like to settle the account for {$6500.00} with no need to send in any documentation. I did not have the funds to settle and I asked why they did not take the offer when XXXX made it to settle and the response was that Green Tree is slow in responding ( which should be unacceptable in these situations XXXX. I submitted a letter to Green Tree offering to settle the account for {$3000.00} which my daughter was providing to me. I sent 2 cashier 's checks ( {$2000.00} and {$1000.00} XXXX at different intervals ( back to back months XXXX. We did not hear from Green Treee after that until recently when I am being sued for the full amount. These practices should not be allowed to occur. Because I had to retire from work, I lost my house. XXXX offered to pay the settlement to Green Tree and because of the procrastination by Green Tree, I ended up having to foreclose.
Product: Debt collection

I have student loans through Navient from when I attended and graduated from XXXX University. My mother was my co-signer. In XX/XX/XXXX, my mother sadly passed away. My loans are in good standing and I have always paid on time. Navient is trying to take the full amount paid on the loans approximately {$27000.00} from my mothers Estate. I have made every attempt to continue to pay my loans. I am a survivor of XXXX  XXXX and a single mom of XXXX young boys. I recently fled my home in XXXX XXXX to come to hide in NJ from my abusive husband on XX/XX/2018. I can not afford to give them all of my mothers estate as I need it to live. I will continue to pay my loans as promised and on time. Please help.
Product: Checking or savings account

Bank of America closed all my accounts ( checking, savings, business ) without any notice before, or an explanation after, they were closed. I have had my checking account for over 20 years with them.
Product: Vehicle loan or lease

I purchased a replacement vehicle through XXXX XXXX in XXXX of XXXX for XXXX. Vehicle had check engine light on and I brought it back twice as I had 30 day warranty. I was told both times that it was a fuse that caused back lights/brake lights to malfunction and cause the check engine light to stay on. Fuse was replaced but check engine light stayed on. Car was not running properly and overheating. I brought the car back within the 30 days and the car stopped overheating for a few weeks and the check engine light never went away staying on since I the day XXXX bought it. The car started overheating and I was forced to take it to different mechanics in XXXX, XXXX, until I took it to a XXXX XXXX dealership and was advised that to repair the car it would cost more than XXXX and I couldnt afford to pay that. Throughout this time I placed numerous calls to XXXX and fell behind immediately on payments due every 2 weeks due to repairs done by non XXXX mechanics. The mechanic that looked at my car twice at the location I purchased it from was not a mechanic he detailed cars that were bought at auctions and sold to consumers like me that due to a divorce destroying my credit. I was told that I had purchased a warranty when I call to surrender the vehicle due to it breaking down and repair costs were over XXXX, but I couldnt use it because I was over the mileage by XXXX miles. I was also told that I financed this warranty that cost over XXXX. I was shocked and called the location I purchased it from to ask the manager about it and he told me that he would get back with me and never did. Before I purchased this vehicle Id purchased a XXXX that unfortunately was totaled due to a car accident and I came back to them due to the first experience purchasing a vehicle from them. 
As of today they continue to report on a monthly basis false information such as balance, term, balance due when the car was sold and they charged off account. The information provided to XXXX XXXX and XXXX  do not match and Ive disputed the inaccuracies with all 3 credit bureau and when I called to get a copy of the agreement I was told that due to XXXX being bought out by Bridgecrest they couldnt find it. I continued to dispute the inaccuracies for 6 yrs and after reviewing the updated information I called Bridgecrest again today to ask why they continue to report incorrect information and advised that I would be contacting the credit agencies to advise on their abusive tactics and that they refuse to provide me any documentation or agreement and their response was verbatim prove it and call was terminated. I dont know what to do and feel that this has gone on for way to long and I should have some sort of right to defend myself and my credit from their abusive in house financing which they say this will never go away.
Product: Debt collection

This company ( Credit Service Company IncXXXX, XXXX XXXX XXXX, XXXX XXXX, CO XXXX, XXXX XXXX XXXX ) has called me hundreds of times after I have asked them not to especially during work hours. I have called them numerous times and left voice mail messages and they have not called me back. They have never provided VOD verification of debt from my health provider, including in the summons that they recently sent me. I had a XXXX  over 2 years ago that was covered by my medical insurance and I belive a clerical error was made. I have recently confirmed with my provider that I do not owe them. This company also sent a process server to my residence yelling my name throughout the complex. This company is unprofessional and has threatened to affect my credit and has forced me to file a response in XXXX XXXX, CO court. Please let me know what I can do. They continue to call me. Thank you.
Product: Credit card or prepaid card

I applied and was approved for a Home Depot credit card through Citi on X/XX/2017. The credit limit was {$8000.00}. Within 3 hours of being approved, I called Home Depot and cancelled the credit card. When I applied for the credit card, a credit check through the CRAs was conducted - which was fine - but a month later I got a notification that it hit my credit report as an open account. The initial credit check for purposes of checking my credit worthiness was fine, but it should not have hit my credit report a month later as an open account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection at ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under electronic fraud transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience in financial laws and I speak appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : BANK OF XXXX I request that you contact BK of XXXX because you do not show address on your credit report Nor no account number document enclosed. I request from BK of XXXX  to send myself a copy of date of last activity date of last payment, account number, bal. as for your reporting this should be remove from my report for inaccurate incomplete reporting by you
Product: Debt collection

CONTACTED COMPANY REGARDING OUTSTANDING ACCOUNT ON CONSUMER REPORT, SPOKE WITH AGENT REGARDING SETTLEMENT OF ACCOUNT, WAS ADVISED IN THE BEGINNING OF THE CONVERSATION THAT THE PHONE CALL WAS BEING RECORDED AND THAT THE ACCOUNT WAS OUT OF STATUTE AND THAT THEY WERE NOT LEGALLY ALLOWED TO SUE REGARDING THE DEBT SINCE IT IS OUT OF STATUTE. AS THE PHONE CALL PROCEEDED THE COLLECTOR WOULD NOT ALLOW ME TO SPEAK WAS CUTTING ME OFF AND WOULD NOT ALLOW ANY NEGOTATIONS AND WAS USING SCARE TACTICS MAKING STATEMENTS ABOUT HOW IF I DIDNT PAY THAT MY CREDIT WOULD CONTINUE TO BE EFFECTED AND THAT THE ONLY WAY FOR THEM TO REMOVE WAS TO PAY THE FULL AMOUNT THEY WERE REQUESTING ON AN OUT OF STATUTE DEBT. THEN THE COLLECTOR PROCEEDED TO TELL ME THAT I WAS LEGALLY REQUIRED TO PAY THE DEBT IN FULL AFTER I HAD OFFERED A REDUCED SETTLEMENT OFFER TO RESOLVE THE OUT OF STATUTE DEBT. I ASKED TO SPEAK TO A SUPERVISOR SINCE THE COLLECTOR STATING THAT I WAS LEGALLY OBLIGATED TO PAY WAS A VIOLATION OF THE FDCPA SINCE THE ACCOUNT WAS OUT OF STATUTE. WAS THEN TOLD THAT THEY DID NOT CARE AND THAT IF I DIDNT PAY IN FULL WHAT THEY WANTED THAT MY CREDIT WOULD BE AFFECTED AND THERE WAS NOTHING THAT THEY WERE GOING TO DO.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX I am writing to bring to your attention that a fraudulent unauthorized account has appeared on my credit report. This account was made by entities I am unfamiliar with, and I have no record of initiating any business or financial transactions with them. This isnt my account I have no knowledge of it as it is fraudulent. Below are the details of the fraudulent collection account : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent and I have no knowledge of this account I take my credit very serious would never go into debt over {$200.00} remove this account as soon as possible as it is messing with my livelihood. 

XXXX : XXXX This is I, XXXX XXXX , disputing n

o one is representing me this is me. 15 U.S.C. 16815-2 ( a ) ( 1 ) A person shall not furnish any information relating so a consumer to any consumer reporting agency if the person knows or h
as reasonable cause to believe that the information is inaccurate.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX XXXX XXXX, a for-profit school, from XX/XX/XXXX-XX/XX/XXXX and graduated with a XXXX degree in XXXX. Well during that time no information was available about for-profit schools, accreditation, etc, so I had no idea what I was getting myself into. My student loan payments have always been estimated over $ XXXX/month because I was n't working and the of course the 10 % variable interest rate kept my interest growing rapidly during the time I was in deferment ( my balance has now doubled ). I am now an adult with a steady job ( no career because my degree is n't worth anything ) and I am trying to get financed to purchase a home. My private loan payment is now $ XXXX/month which based on my income makes me ineligible for an fha loan, I even looked at applying for an interest only payment which reduces my payment to {$800.00} which does not help me because I still will not be able to afford a house or an apartment in a decent area. I called Navient today to see what is the lowest payment I could potentially get and they left me on hold for an hour and 20 minutes, basically a waste of my time because no one ever picked up. These private student loan companies are ridiculous and I 'm not sure how anyone is ever expected to pay their loans back when they can get a high paying job with a worthless degree that the Department of ED allows students to receive funding for whether it be title IV funds or a private lender. 

I attended the XXXX XXXX XXXX XXXX XXXX XXXX - XXXX which I believe is now XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan Services sold my mortgage account to another company called PPH and I am on time with all of my payments. Ocwen Loan services is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe that Equifax and YES XXXX XXXX XXXX XXXX  have violated my rights as a consumer and incorrect information as far as addresses
Product: Debt collection

CAINE & WEINER - I contacted the company as I was told so. I have requested validation and they have not produced it. FDCPA 809b requires this to be deleted until they validate. Delete this now.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redrese for these violations.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account Number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

Several things reappear when have been paid or wrong information attached to that like late days which and showing negative impact on my credit my credit score doesnt go up when things have been paid and affect my life as a whole year after to try yo dispute inquiries and the negative the same reappear
Product: Mortgage

I have been trying to correct a home owners problem with my mortgage co Roundpoint I have been calling them XXXX months and getting no where. 
In XXXX they notified me that XXXX XXXX. listed me with Slide Ins. for my home ins., but I already contaced XXXX XXXX XXXX XXXX, Roundpoint paid both ins. companies from my escrow account. After receiving refund from XXXX I returned the check to Roundpoint but will not change my escrow account to reflect my returned check. 
MY problem is my escrow account is over stated, and I can not get them to send me a corrected statement with correct amount to pay. 
I call them and they keep telling me it's fixed but they keep mailing me the same amount due. can you please help me thanking you in advance XXXX
Product: Consumer Loan

I took out a loan with a local merchant that used Synchrony bank. It was XXXX of those 24-month promotion loans with no interest, and if you do n't pay it off within 24 months they charge you back interest at the rate of 29.99 %. I made a mistake and thought the promotion period was 24 months, so I set up my account to pay Synchrony {$300.00} per month so I would have the loan paid off in full in 21 months ( Original loan amount {$6100.00} ). The other mistake I made was setting the auto pmt of {$300.00} and not checking my statements each month because, as it turns out, the promotional period was 18 months, not 24 months. I just discovered Synchrony posted a one-time interest charge of {$3300.00} to my account in XXXX, and has been charging me {$110.00} interest per month. While I am at fault, I just can not accept the fact that ( with 3 months left to pay on the loan ) a finance company would penalize someone like they did. I realize I signed off on the terms and conditions, but you can never fully realize the extend of the penalty until it happens. My complaint, really, is that Synchrony should be able to see my intent to pay off inside of XXXX months. Particularly since I have XXXX loans with them. XXXX loans were taken out around the same time and for the same amount. The other loan does have a XXXXmonth promotional period, and I was ( also ) paying {$300.00} per month on this other loan. Also, I 've gone through my emails ( since I have my statements set to e-delivery ) and I 'm not finding any emails from them alerting me to the end of the 18-month promotion period. What they did to me seems truly egregious and inhumane, even given the fact that I signed off of the terms. I have written and called the company, but so far have gotten nowhere with them. I 've been a loyal customer with Synchrony and their predecessor GE Capital. I 've never missed a payment and feel sick about not just what happened to me, but what they must be doing to other unexpecting customers. To me, a positive outcome in this situation would be for Synchrony to recognize my error ( thinking it was a 24-month promotion ) and retroactively adjust they terms to 24 months. If this loan was 24 months as I originally thought I would have the loan paid off next month. As it stands, I still owe them {$4300.00} due to all the interest charges since XXXX ... on an original loan of {$6100.00}. Seems unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act 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 an account without my written instructions