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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$XXXX} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

XXXX I started a refinance load with Auto Approve to reduce my XXXX XXXX to more reasonable XXXX XXXX I refused gap insurance. XXXX XXXX assured me that he got me XXXX XXXX ( never saw it on contract ). Last Friday I received my first contact from XXXX XXXX XXXX and saw {$1100.00} added to the loan and the Interest Rate was XXXX!! HIGHER than the loan that was paid off. I now had a loan that was now higher interest and {$1100.00} higher?! Being a retired XXXX XXXX XXXX here in Florida,, I realized I had been taken advantage of and lied to and possibly a victim of a Predatory Scam. XXXX and on fixed income this is devastating to me.
Product: Credit card or prepaid card

Had an XXXX credit card which was recently bought out by ALLY, noticed the payments went from {$210.00} due a month XXXX for XXXX based on balance of {$5700.00} at XXXX XXXX with interest fee of {$1500.00}. 
THEN, in XXXX when ALLY sent a bill with {$310.00} due for month based on balance of {$8400.00} with interest fee of {$220.00} and balance on bill shows {$5700.00}? That is {$2600.00} over balance? When I called she said " it's was due to transfer but he would send to credit office to report back. First of all I never wanted an Ally credit card. Now I feel like they are doing something totally unethical. How do I transfer my balance to another credit card?
Product: Credit reporting or other personal consumer reports

The creditor knowingly approved a loan for me despite being fully aware that my income was insufficient to meet the repayment obligations, anticipating that I would default and they could repossess the vehicle. This predatory tactic has been a recurring pattern for them, leading to multiple lawsuits. Thos same tactic caused a financial strain has adversely impacted both myself and my family, significantly damaging my credit. After enduring this situation for several years, I eventually settled with them to resolve the matter. However, the lingering negative reporting continues to cast a shadow over my credit history.
Product: Debt collection

I sent a letter to Resurgent Capital Services as they are doing business as LVNV funding on XX/XX/2022 on a request to cease and desist all communication and collection on a debt that I do not owe. On XXXX, XXXXXXXX XXXX the letter was received and signed verifying the acknowledgment and confirmation that the request was received. A few months later on XX/XX/2022, I received a credit alert that LVNV funding appeared on my credit report without my writing consent because I do not have a written agreement with them, and also LVNV funding collection violated FDCPA 15 usc 1692c ( c ) and 15 usc 1692g ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello I have called twice XXXX XXXX to request a copy of the original email that was allegedly sent to my email on XX/XX/2023 notifying me about the debt. If it was indeed sent on XX/XX/2023 I was not given the 30 day window for me to dispute, verify or pay the debt before it was reported to the credit bureaus. I am requesting a copy of the original email containing the notice with the to and from sections.
Product: Mortgage

On the date XXXX XXXX XXXX, I XXXX XXXX exercised my right of rescission on a refinance mortgage credit transaction by mail and fax pursuant to the Truth in Lending Act 15 USC 1635 ( a ) and C.F.R. section 226.23 ( a ) ( 2 ) within 72 hours of the date of consummation with Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I exercised my right of rescission As a result of XXXX XXXX failure to provide me the following mandatory T.I.L.A required disclosures below and such rights in accordance with the regulations of the Consumer Financial Protection Bureau : 1. the creditor must deliver the notice of right to rescind to each consumer in the transaction 12 C.F.R. section 226.23 ( b ) ( 1 ) ( i ) - ( v ). 
2. the notice must disclose the requisite information clearly and conspicuously 3. The requisite information comprises the retention or acquisition of a security interest in the consumer 's principal dwelling. 
4. The consumer 's right to rescind the transaction 5. Information on how to exercise the right to rescind 6. the effects of rescission 7 the expiration date of rescission ( 3 days-3 years ) 8 to satisfy the notice requirement, the creditor is required to use model form in Appendix XXXX form or the one substantially similar. 
none of the above did i receive from Lakeview Loan Servicing violating 12. C.F.R. section 226.23 ( b ) ( 2 ). 
Lakeview Loan Servicing are ignoring and refusing to execute my rescission rights thereby, being non compliant to the regulations of the Bureau 12 C.F.R section 226.23 ( d ) ( 1 ) and 12 C.F.R. section 226.23 ( d ) ( 2 ). 
It appears Lakeview Loan Servicing and XXXX XXXX XXXX and its officers XXXX and XXXX XXXX XXXX XXXX are intentionally refusing to comply with the regulations of the Consumer Financial Protection Bureau, T.I.L.A. Regulation Z, and the U.S. Supreme Court Order and Decree on XXXX XXXX XXXX ( XXXX XXXX XXXX, v. XXXX XXXX XXXX, XXXX No. XXXX.whereby borrower need only provide written notice to a lender in order to exercise right of rescind. 
Furthermore, ( 1 ). " XXXX XXXX XXXX/Lakeview Loan Servicing claims for incomplete credit application ''. How do you set a closing date, sign closing documents, cash my settlement fees check but claim my application is incomplete and leave me a closing package with the HUD 1. ( 2 ) " Claims Application Approved but not accepted ''. How do you set a closing date, sign closing documents, cash my settlement fees check but claim my application is incomplete and leave me a closing package with the HUD1. It is customary for the Lender to give the Closing Attorney the " Clear to Close '' in order to close a loan. ( 3 ) You can not have an incomplete application and an approved application at the same time. ( 4 ) How do you assign a loan number with an incomplete/not accepted application?
Product: Checking or savings account

My debit card was lost/stolen and many unauthorized transactions appeared on my account. I disputed these charges and they were denied. I called Suntrust and they said they were denied because of inconsistencies. The only possible inconsistency was the date I lost the card. I said it was XXXX XXXX, XXXX because that was the date they had for a transaction at XXXX for {$53.00}. This was the last I used the card. It turns out that was the posting date, not the transaction date of XXXX XXXX, XXXX. So when I faxed the affidavit to them I put XXXX XXXX, XXXX as the last time I had my card. That is the only inconsistency and it can be explained. Ive been waiting over two weeks now for my stolen money to be returned. Also, theyve charged me two overdraft fees as a result of this fraud. The can look up the claims with claim numbers XXXX and XXXX. There are about {$2800.00} in fraudulent transactions. Im not going to lie down and let them help these crooks take my money.
Product: Debt collection

Incorrect and unauthorized changes on XXXX account. Spoke to multiple different people on different occasions to follow up on status, theyd all say that the account was sent to escalation department to audit and investigate and someone will contact you to discuss. Never heard anything from anyone, this happened repeatedly. 
There was a lot of miscommunication due to language barriers and non-stop transferring of calls along with disconnects aka dropped calls. Account was closed to eliminate future discrepancies. I would greatly appreciate this account be investigated and audited as there is numerous inaccuracies and unexplainable charges, even XXXX management could not figure it out. I was continuously being told that the account was sent to escalations to investigate. I requested an itemized statement of account and explanation of charges. As of today I have not received any information provided by XXXX, no outstanding balanced provided, no itemized state or explanation received. XXXX needs to be investigated upon, there is way too much unexplained charges and discrepancies.
Product: Debt collection

I have been battling a debt that is being reported on my credit report which I do not owe. I have always had insurance and have provided proof of that to XXXX XXXX XXXX ; as well as XXXX  XXXX XXXX  ; the collection agency who's collecting on behalf of the credit. They have not done anything about it. I have contacted XXXX XXXX XXXX via fax with proof of insurance. I have faxed it on XX/XX/XXXX with proof of delivery. They stated that it takes 21 days to investigate. I have called back on XX/XX/XXXX for a status update, and they claim that they didn't receive anything. 

These companies do not want to take ownership of their negligence to correctly bill my insurance provider ; XXXX ; after I have done everything to show proof of the error. The burden of proof and accuracy of billing is with the medical staff and not me. XXXX XXXX XXXX is equally at fault as they haven't provided any validation of how this debt is my responsibility after I have cooperated with them diligently to provide them with everything they need. 

I spoke with XXXX on multiple occasions and they have confirmed that they were billed for other services on the same date of service ; XX/XX/XXXX, however never received a request for billing for this procedure in which I'm being punished for. 

This item is not my debt to bear and something needs to be done about it. 

I have enclosed a copy of the following : 1. Proof of Insurance during the Date of Incident 2. Letter faxed to XXXX XXXX XXXX 3. Proof of fax delivery
Product: Credit reporting or other personal consumer reports

Unfortunately, I have been a victim of identity theft which has led to inaccuracies in my credit reports and driving records. 

I have sent checker important information that needs to get updated before I lose the opportunity to drive for XXXX. 

Until the DMV updates my files, I am allowed to use the Judges stamped court as a way prove my driving elegility.
Product: Student loan

I am filing another complaint against XXXX XXXX XXXX XXXX XXXX for the third time. My first and original complaint was on XXXX XXXX, XXXX and the case number is XXXX. My account had been submitted to XXXX XXXX and my complaint resulted with them ceasing all collection efforts. My second complaint filed was on XXXX XXXX, XXXX and the case number is XXXX, This time it was placed with XXXX XXXX XXXX XXXX. I became aware of them when a summons was placed against me and my mother. My complaint against them, through CFPB, resulted in a notice of discontinuance. 

In this third complaint, my account has/had been placed with Convergent. XXXX XXXX wants to settle XXXX percent of my total balance due. However, have they taken into consideration of the harassment, I have undergone for almost 10 years? They are asking me to settle for {$17.00}, XXXX! Never mind all the harassment I 've received as early as XXXX! Never mind that my first complaint resulted with XXXX XXXX ceasing all collections efforts! Never mind that my second complaint resulted with a notice of discontinuance on behalf of XXXX XXXX XXXX! In addition to having received this letter, I have been getting phone calls from ( XXXX ) XXXX. Most of the calls are sent to my voice mail and the person never leaves any messages. So. I am back to being harassed once again! 

Yesterday, I received a letter from XXXX of a " Notice of Acceleration. '' I do n't know if this is in reference to my account with XXXX XXXX XXXX or not. I do not recognize the account number from XXXX which is : XXXX while the XXXX XXXX XXXX account is : XXXX. These companies continues to switch things around and currently this account has been placed in default! I am sick and tired of this! What about my rights? What makes them think that I am obligated to make a settlement when they have been harassing me off and on for such a long time? If anything, I should be the one compensated for especially now since they have placed this loan in default!
Product: Mortgage

I first to out a mortgage loan with XXXX XXXX XXXX, then XXXX sold my loan to green tree, now the sold the loan to DITECH. I recently received a call from DITECH demanding a payment and harassing me about a late payment. I was not late on my payment. Ditech is harrassing for a mortgage payment that I was late on 2013. They have spoken to me with very bad language and demeanor. I have never been treated with such a bad attitude.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding a dispute I submitted concerning an incorrect address on my credit report. 

On XX/XX/year> at XXXX, I initiated a dispute with Experian requesting that an inaccurate address XXXX XXXX XXXX XXXX XXXX be investigated ( I was on the phone with representative and he confirmed he seen my request for dispute of address use time listed for reference of phone conversation ) Experian responded to my dispute, stating that they would change the address on my report to XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, upon reviewing my credit report, I found that this change has not been reflected. 

I contacted Experian for clarification, and they informed me that they will not make the update as indicated in the results of my dispute. Despite their initial response indicating they would change the address, they have refused to fulfill that commitment.They informed that the address must stay the same and they may have made a mistake because it is connected to a fraudulent accounts on my report XXXX XXXX XXXX and XXXX XXXX XXXX which I have let them know to be fraudulent ( Also asked for Proof of Authorization for each account in question, including signed documents or digital agreements. 
Proof of the Reporting Creditor 's Investigation confirming the accuracy and validity of the disputed items. 
Verification that the debt was reported which they failed to do ) and about the address change I stated that I understand that bureaus are adhere to 100 % accuracy and must abide to the address change which the representative said they refused to do I also asked to speak to supervisor which they refused to do This failure to correct the report as stated in their dispute results is causing ongoing issues for me, as the incorrect information continues to appear on my credit report. I am seeking assistance in resolving this matter and ensuring that Experian follows through with the correction and update address to address that they said that would/and or remove the fraudulent accounts because they did not send me the documentation requested to prove said account l I would appreciate your support in facilitating communication with Experian to ensure that the change is made as agreed. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Transunion and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, late payments and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am unaware of this Debt I didnt have the proper opportunity to Dispute this Debt. I didnt receive proper notification if in fact you believe I received proper notification please provide the proof of the Certified Mail With Receipt with my signature on there stating I received it You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act Please remove me from you files & computer systems ASAP.

Cease & desist all attempts to collect the above so called debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission, Better Business Bureau, as well with my State Attorney General 's Office. I will pursue all criminal & civil claims against you & your company.

Let this serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future. 
Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you & your organization, both personally & corporately to seek any & all legal remedies available to me by law. 
Since it's my policy neither to recognize nor deal with collection agencies, please. Please Stop calling me for different Area Codes VIA phone numbers harassing me I have told this company many times on different occasions to dispute this collection or send me certified proof with receipt that I have legally signed to take on this debt this company told me they will dispute this collection off my credit report but never seen any results
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXX, and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any XXXX. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

Incorrectly reporting a tax lien from the IRS which has been withdrawn.