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

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 



XXXX XXXX account number 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 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Mortgage

Filing Complaint about Seterus, Inc. tricking me, harassing me and not living up to what their Hardship Customer Service representatives told me. 

I contacted my mortgage company in early XXXX, XXXX to let them know I was having difficulty keeping up with my mortgage payments. I had been looking for work for over 7 months and was still unemployed. My husband had recently passed away and at that time we had to deal with exorbitant medical bills from his 11 year long term illness with XXXX The last XXXX were XXXX as he was almost completely XXXX except for very limited XXXX. Our care for him was 24 hours a day 7 days a week and all his care fell to our XXXX daughters and myself, so I could not work during this time. 
I explained my situation and that my brother-in-law had offered to teach me XXXX and he felt I could be working by XXXX, XXXX. I believe the first person of contact with Seterus, Inc. who directed me to the Forbearance due to extreme hardship was a Supervisor by the name of XXXX XXXX. I do not have all the names of those I 've spoken with but each time I 'm told I can not get back to XXXX and that I have to speak with whoever answers my call. I have spoken with more than a few which has caused me to have to repeat my situation over and over. That tells me their notes on my mortgage and issues are not documented. Each time I waste time getting the new person up to speed. I followed XXXX express directions ... filled out their form, had documentation of my husband 's illness and death, and a letter explaining my situation and what I was doing to work my way out of it. I was told that there should be no issue with my getting the forbearance but that I would have to make a payment of {$4800.00} before they could approve my forbearance. I borrowed the money and made the payment. 
I found out within weeks that the forbearance had not been approved. I was told by the newest representative of Seterus that I needed to change XXXX things on the forms they required. I did so and within an hour had the new forms to them. That was XXXX XXXX, XXXX and I have been harassed continuously since. 
Twice I have filled out the paperwork as they directed. Twice I gave them exactly what they required. I was told this would not be an issue and that Seterus, Inc. would work with me since I had been paying my mortgage payments on time and was a good customer, and with consideration to the hardship our family has been through. 
I am trying to save my home after some very hard times for our family. Please help. I just require Seterus, Inc. to live up to what I was told would happen .... I would make the lump sum payment and they would leave me alone to learn programming and get employed until sometime in XXXX XXXX. 
Thank you for any and all help you can give me to save my home.
Product: Vehicle loan or lease

To whom this may concern : I am having an issue with XXXX XXXX requesting my title, I contacted them and spoke to XXXX whom stated to fill out online email that I need copy of the title to do state to state title transfer. I submitted it and now called a month later and was told it was rejected. Now I need do start the process over with another set of guidelines and only have a couple weeks to get this resolved since my vehicle reg. expires. No one called or emailed to let me know the issues. I just spoke to XXXX a supervisor who stated good luck here is another set of documents needed. I asked to speak to a manager over titles to advise of my situation she refused said no. No customer service .....
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is on XXXX XXXX XXXX 
this company has closed my account. in XX/XX/2021 i tried calling to settle this debt with them but was informed that the debt was sold to a collection agency.my complaint is that they have not listed the debt collector 's information. they continue to report negative remarks on my credit report every month. 
they have listed this account as charged off as bad debt profit and loss write off. 
who is the company that now holds this debt? I've checked my credit report with all 3 bureaus and there's no collection agency being listed. but on my credit report XXXX XXXX has it as its in collection .i am trying to repair my damaged credit and i can't do that if i don't know who the collection agency is
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Mortgage

I started the process of trying to refinance my home on XX/XX/XXXX with amerisave mortgage company. From the very first time I spoke with them I told them I have a manufactured home on a brick foundation on my own land. I have been talking to XXXX XXXX the entire time and he told me when he looks up my home on XXXX and other such sites it comes up as a single family home and therefore they should have no problem financing my home. I was told all I would have to pay upfront would be {$500.00} and the rest of the closing cost could be rolled into the loan. Within 3 days from starting this process I authorized them to take {$500.00} from my checking account. After multiple conversations and being told over and over for weeks that an appraiser would contact me within 48hrs to set up a date to come look at my home, finally on XX/XX/XXXX an appraiser came and looked at my house. I was told within 2 business days the appraisal would be done. On Monday XX/XX/XXXX I received an email from XXXX that he did not think they would be able to refinance my home because the appraiser said that my home was a manufactured home on a permanent foundation. As I said from the beginning I told them that. I have not heard anything else from XXXX or anyone else from Amerisave. Because of this I feel like they used me just to get my {$500.00} and they knew they would not be able to finance my home. I have tried to call, email, and text them multiple times since reveling that email and I have gotten no response. Also when I log onto my account at Amerisave it  does not even say they have received the appraisal.
Product: Mortgage

I changed hazard insurance providers on XX/XX/2020 and my insurance agent faxed the new policy information to my mortgage servicer, Loancare ( XXXX ), on XX/XX/2020. I then received two letters saying they did not have the new insurance information and they would potentially be purchasing very expensive hazard insurance for me. I contacted my agent and he showed them that he had faxed them the new policy information on XX/XX/2020. They told him that I had to call and verbally confirm that I had changed insurance providers ( I have never heard of this and believe this to be a business practice in bad-faith, trying to make it harder for me to prove I have hazard insurance ). I tried to call the " XXXX XXXX '' that XXXX said needed the information several times the week of XX/XX/2020. There is no way to get a person on the phone when I called the " XXXX XXXX. '' None. The automated system is so XXXX  and there is not a choice to speak to a customer service person. The automated system continued to say that they did not have hazard insurance information for me on file. Loancare/XXXX  appears to be deliberating making it impossible for me to update my insurance information, presumably so they can 'buy ' me insurance from a company at an exorbitant rate. I consider them to be acting in bad-faith by requiring me to verbally confirm a change in the policy, when the policy is obviously in my name and on the home that I own.
Product: Debt collection

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you please review the documents? Several of the listed accounts contain inaccuracies, causing me considerable unease.
Product: Credit reporting or other personal consumer reports

I modified my mortgage through XXXX XXXX XXXXy on XX/XX/XXXX and received a cancel debt for {$58000.00} which don't state it nowhere in the mortgage note, I've called serval times  and talked to an XXXX XXXX about the balance and canceled debt, she stated that the balance shouldn't be that amount and also told me that mortgage had been sold to XXXX XXXX XXXX, I have been emailed XXXX for them to explain but the only them they explain is the note. I have not been late or behind in mortgage since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and have some fraudulent inquiries on my credit profile. I filed an Identity theft report with the Federal trade commission. I've attached it along with my identification. Equifax contacted me and stated that they don't have my profile. I have attached the FTC report and my ID. Please remove the fraudulent inquiries ASPAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 

Furthermore, I do not live at the address which is being disputed. 
I have included proof of my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, my name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I request to be removed are listed in this file and my statement below. 
Accounts to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have had several issues with Wells fargo bank. First when they switched over they said that I signed up for things like checking account overdraft and some other programs which I did not. Then they were charging me isf by readjusting the way monies were posted to make it a isf. I have talk to so many representative about these issues and got a different answer are no answers at all. XXXX representative was so disrespectful and unprofessional that I ask for the complaint address. I also believe that they took monies out of my account between XXXX and XXXX. They sent me about XXXX different atm cards at one time said disregard the first ones and sent another set then another set. I was so confused and I never got any straight answers with this bank. I had been with them since XXXX XXXX so I was trying to work with them but I knew they were doing some under handed illegal things. I 'm just glad now that somebody else caught it and did something about it. Please help me with all that you can. I do n't have documents but i can get a print out from the bank from my history. I just want this investigated to see if it was any wrong doing to my account. I always felt it and I knew something was n't right. Please help to to see if i was part of their scam. Thank you for your kind attention to this matter.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

XXXX XXXX XXXX had contacted me 4x on Monday, XX/XX/XXXX18. Once at XXXX and thrice at XXXX. I took a screenshot of the 4 calls made on my XXXX. I consider this harassment as far as a debt collection tactic goes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an accident on XX/XX/2018 my insurance company payed to have my vehicle fixed the dealership which I bought the truck from receive my truck to fix it or to give me a new one. Unfortunately my truck was sold from under me and now Chrysler capital its reporting I still owe on a vehicle I dont have. The vehicle was never repossessed or voluntarily returned. This account is saying open but it should be closed and off of my credit.
Product: Debt collection

I am with XXXX XXXX as we speak the very phone I am using now ..the debt collectors say I owe {$1400.00} dollars when my phone I have is payed down to {$590.00} and I am Currently with the XXXX company I have no clue or I dont not know anything about this debt it is sounding like a scam Im with the company they are trying to collect for I have no knowledge of theyre claim
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX - XXXX - {$5800.00} XXXXXXXX XXXX  XXXX - XXXX - {$6700.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Pull my credit Report because credit repair company contacted me told. I had delinquentcys missing payments late payment showin on my Credit records reason why my Home Loan was Denied. l make these payments All on time Never Late l dispute information sent copies of. Printout from The company ( Get it now ) on all 3 credit bureaus showing month of. XXXX also month XXXX was late or missing.l provided information notice my account hasn't been updated or changed on credit reports. Not understanding why it take over 30 days. to be given to resolve these dispute instead 30 days to make ness change errors been below show that report to 3 credit bureau
Product: Checking or savings account

I am writing to file a second complaint against Citibank related to the ongoing issue with the handling of my accounts. After the closure of my initial account, as detailed in my previous complaint, I opened a new account with Citibank in order to provide an alternative method for depositing my funds. This was done in an attempt to find a resolution to the distressing situation of a significant ACH payment being held in limbo due to the unexpected closure of my first account. 

However, I am now facing a new, serious issue : Citibank has unexpectedly closed my newly opened account, without any clear explanation or warning. This action took place after I had transferred approximately {$1000.00} into the account. Moreover, Citibank has locked me out of all my associated accounts including my checking, savings, and brokerage accounts, essentially seizing my funds without my consent. 

This action by Citibank has not only disrupted my access to a significant amount of my personal funds, but it has also hampered my ability to manage my daily financial activities and investments. The inability to access my own money is causing me emergency financial hardship. 

Upon contacting Citibank multiple times on XX/XX/XXXX at XXXX EST ( with XXXX XXXX and XXXX EST ( with Fiel ), again on XX/XX/XXXX and XX/XX/XXXX, and through their online support panel ( with XXXX ) on XX/XX/XXXX, I consistently informed Citibank about my new account. Despite these interactions, at no point did they express any concern or provide warning that the new account would also be shut down. 

This escalation is completely unjustified, especially given that the initial misunderstanding that led to the closure of my first account was clearly explained and earnest efforts were made to rectify it. Citibank 's actions have caused significant stress and inconvenience. 

I kindly request your assistance in investigating this matter and helping to restore access to my funds and accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 XXXX XXXX XXXX reported an unauthorized inquiry to transunion and XXXX. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies and XXXX XXXX XXXX on XX/XX/2021. no response.
Product: Debt collection

Military star card has violated my consumer rights and damaged my consumer report rating and as a consumer/natural person I have recently learned my rights under title 15 and would like the account removed pursuant to 15 usc 1681c ( a ) ( 4 ) being thats it is a charge off and military star took a portion of my 2020 tax return and didnt notify me they would. I believe that action was illegal and unethical to take money entitled to me and my family and I would likely have the funds returned to me and the tradeline removed from my consumer report. Military star card has violated my rights by sending me deceptive forms leading me to believe that i owed an alleged debt that they never once verified. The account cant be verified because I am the original creditor according to title 15 an I do not validate this debt. This account has also been a deciding factor is the cancellation of my security clearance and stopped me from gettin a new security clearance with my job XXXX XXXX which has stopped my career advancement.
Product: Credit reporting or other personal consumer reports

after going over my credit report, I have discovered that I am victim of Identity theft due to fraudulent addresses, accounts, and inquiries that are reported to my Credit file. Pursuant to 15 US code 1681c-2 of the fair credit reporting act I am requesting immediate removal and for this account as well as the address to be blocked from my credit file immediately. under this law, the credit reporting agency is required to remove and block fraudulent information within four days upon receiving the proper documentation. 
Those accounts are : XXXX XXXX XXXX Account Number : XXXX Addresses : XXXX XXXX  XXXX XXXX. 
XXXX, Tx XXXX Attached are : Drivers License Identity Theft Report A Letter Requesting Blockage
Product: Payday loan, title loan, or personal loan

Ally Financial has been very aggressive trying to collect unpaid balance from GAP insurance. I am not liable for shortage, I was paid up to date with them at the time of loss. They are calling my house 15 times per day, and calling in late evening hours past XXXX when my children are asleep..