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

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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, states a consumer reporting agency can not furnish an account without my written.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 and crimes which antedates the report by 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 has reasonable cause to believe that the
Product: Mortgage

I requested a 6 month forbearance from Home Point Financial back in XX/XX/XXXX which they granted. I knew that at the end of my forbearance that I would be given one of two options, either to pay back the past due payments in one lump sum or have the past due amount paid off at the end of the term of our loan. 

At the beginning of XXXX, my wife contacted Home Point Financial to discuss our options as the forbearance was set to end at the end of XXXX. We were then advised that we would need to apply for a loan modification for which Home Point Financial requested us to submit documents to them including, payroll statements, bank statements, tax records, etc. I emailed back the loan modification request to Home Point Financial on XX/XX/XXXX. I never received any form of confirmation from Home Point Financial that they received our request. 

My wife called Home Point Financial on XX/XX/XXXX to inquire about the status of our request upon which Home Point Financial advised her that they required additional paperwork from us to complete our loan modification request. Much of the paperwork that Home Point Financial was requesting had already been sent on XX/XX/XXXX. However, Home Point Financial failed to act upon our loan modification request in a timely manner and was now asking for us to send updated bank and payroll statements which we did not mind doing. 

Home Point Financial advised us that the paperwork needed to be received by XX/XX/XXXX. Beginning on XX/XX/XXXX, I began receiving daily phone calls during weekdays from a man named XXXX from Home Point Financial. The purpose of XXXX 's calls were to remind me that Home Point Financial still needed additional paperwork from us to complete our loan modification request. I acknowledged this fact on XX/XX/XXXX when XXXX originally called me. I also advised him that my wife had already spoke to someone at Home Point Financial two days earlier and we would get them the paperwork before XX/XX/XXXX. 

Every time XXXX from Home Point Financial calls, he tells me the same thing, that he needs the paperwork by XX/XX/XXXX, XXXX has called me six times beginning on XX/XX/XXXX. I have repeatedly told XXXX that we will send the paperwork in before XX/XX/XXXX. Despite this, XXXX continues to call me every weekday to tell me the same thing. I advised XXXX that I found his calls to be hairdressing and hypocritical considering that it took Home Point Financial so long to get to our loan modification request that they needed updated bank and payroll statements.
Product: Mortgage

I XXXX went to my mortgage company wanting a modification they give me XXXX saying it was in house I could afford my mortgage then they came back saying the house mortgage is over an give me permanent modification that was to high I ask for a lower interest rate other than the 6 % they give me they said they do n't have to I could not afford the mortgage an it got me behind in my payments. I had to go to my XXXX to get money to try an make those payments an that got me in trouble with the IRS an trying to make the house note left no money for anything else
Product: Debt collection

I was under the impression that they were going to remove it off my reports. They said after it was paid that they would remove it. But its still reporting on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amsher Collection Services has provided information to XXXX and the other reporting companies. They can not find me in their system by my social Security number, or my name. 

They indicated that they did not know whom reported to them that I owed them money and I was not in their system. 

i spoke with XXXX at XXXX in the afternoon on XX/XX/XXXX, It is scary to me that a company can report on my credit information that they can not only NOT back up, they do not even have my name in their system????????? The amount billed to my was {$310.00} XX/XX/XXXX XXXX XXXX XXXX did the same thing to my Credit report after 4 months and several filed complaints it was found that a women in another state with a completely different name and social ( which they would not disclose ) was the person they were attempting to collect from.
Product: Credit reporting or other personal consumer reports

Someone attempted to use my identity and purchase a vehicle. This resulted in the dealership running my credit report and then sending it to dozens of lenders who ran my report resulting in dozens of inquiries that I did not authorize or have knowledge of.
Product: Debt collection

I had a business insurance policy with XXXX for 1 year that was paid in full. After a year, they invoiced me a bill for a renewal policy without my agreement or signature. After contacting them regarding this mistake, they said, to send documentation of my current policy with another company for the period questioned and they would look into reviewing it to cancel. If not, it is automatically renewed. I contacted them 3 time regarding this mistake. They have now referred invoice to a collection agency for none payment of {$100.00}. I did not request for this renewal policy or sign any documents. This is unfair practices.
Product: Vehicle loan or lease

i have no knowledge of this company I did not give this company my consent to run or look into my credit report PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

GLOBAL LENDING SERVICE Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have attached a confirmation from XXXX themselves stating that the account is incorrect, yet the account still remains on my credit report. I have also attached proof of the account being marked as closed, however the account still remains and reflects as open on all credit reports.
Product: Debt collection

I am a XXXX XXXX for XXXX XXXX XXXX XXXX. For 10 years, I have been garnished for an uncollected debt which I have not received any information about the status of payments to terminate the debt nor what the debt is about. 

When contacting XXXX XXXX XXXX XXXX, I was given the following phone number XXXX. When I called this number earlier today it was disconnected. I then called XXXX the original debt collector XXXX and was told to try again as the number is now working. XXXX also gave me the names of XXXX XXXX and XXXX XXXX. When I called XXXX XXXX, he hung up on me. 

XXXX XXXX XXXX XXXX has closed this case and will be refund the last garnishment ; however, I am trying to receive a refund of any monies overpaid. This debt does not appear on my current credit report. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act, XXXX Bank Account # XXXX has violated my rights 15 U.S.C 1618 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balanced : {$1200.00} XXXX BANK XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Debt collection

XX/XX/XXXX. Company called my place of employment trying to collect on a debt during a pandemic. I'm not sure how much longer I will be employed because of this pandemic and quite honestly not sure how I will pay bills needed to sustain life at this point. My significant other is out of work, as I type this message, struggling to file unemployment. We have young children at home as well and they call and want me to pay this bill that has been owed since XXXX. This is now XXXX and they decide that now is the time to contact me regarding a 6 year old debt? NOT OKAY!!! This is the 1st communication from them in the last 6 years, please let me note that as well. This is very unacceptable, especially since the world is in chaos.
Product: Checking or savings account

I have been trying to dispute four charges to my checking account. They closed the disputes before I was able to get them information that they requested. After multiple attempts talking to bank representatives, I have not been able to get anyone to reopen the disputes. I can not submit the information they requested, and every time I try to send them a document, every person has come up with a different excuse as to why it isn't good enough.
Product: Vehicle loan or lease

I submitted an application to refinance my auto loan from XXXX XXXX XXXX Navy federal credit union on XX/XX/2024. The same day they told us we got approve and I asked when will our payment be. The first rep told us it will be XX/XX/XXXX but if we waited until XX/XX/XXXX to signed it a new month will reset and our payment wouldnt be until XX/XX/XXXX which would give us additional time for XXXX payment. I agree to signed the papers on the XXXX to get the additional time. Being a little hesitant I called again before the XXXX, I believe the day of my XXXX call was XX/XX/XXXX or XXXX. XXXX rep gave me the SAME EXACT information! Which was if I waited until XX/XX/XXXX to signed my paper work I will get that additional time until my next payment. Finally XX/XX/XXXX came around and I called XXXX thing in the morning. I was told the SAME EXACT information by this XXXX rep that by signing today my payment will be on XX/XX/XXXX. So we signed on XX/XX/XXXX and did all the proper steps! Once my loan was generated on my XXXX app it showed my XXXX payment being XX/XX/XXXX so I email them about this mistake. Not only did XXXX acknowledged their MISTAKE but also said they couldnt do nothing about it! Back and forth a few times through email until XXXX supervisor from loan department contact me pretty much saying the same thing that they couldnt do nothing and contract was signed already and she also acknowledged that XXXX rep made a mistake as she try to downplayed the situation! I told her it wasnt XXXX rep it was XXXX different loan officers giving me the same exact information and I know calls are being recorded so they can back track! How did 3 people mess up?? No knowledge of the products they offer or how it works! Im very upset at this situation, as also my husband is a veteran and being a bank for veterans we were treated poorly and no true solution was giving to us but have our payment increase if we wanted to make a payment on XXXX!!! I seriously super upset at the false information giving by the loan officers/reps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX - {$1700.00} XXXX XXXX  XXXX XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Debt collection

On XX/XX/2021, I called Velo collection attorneys to resolve a {$1400.00} debt I have with XXXX XXXX. The unprofessional woman I spoke to adv me that I now owe over {$1700.00} for all accounts attached to my social security # ... I do not have any other debts and after I had to press her to explain where the extra accounts are coming from she then stated the the extra fees are from their office. I said ok I would like to pay the {$1400.00} and settle this debt TODAY to be done with it. The agent then stated that they would be more than willing to take my payment but that will not settle the debt. She stated I would still have to go through 'settle process '. My question to her was then so why would I pay you all {$1400.00} today if the debt may not be settled? I then asked for a supervisor and she told me I would have to put the request in writing to have a supervisor to call me back. ( what established reputable company is actually requesting written requests for a supervisor call back not to mention hand writing a letter during a pandemic ) At this point I asked what is the settlement process and after she advised me I then advised so now my settlement offer will now be {$500.00}!!! I tried to pay what I owe since I have the money, thanks to the stimulus money, but this company is totally full of it and now I can only pay according to my expenses because I am sure something else will come along for me to use the money for. 
So to sum it all up I want to resolve/settle this debt on the same day because I think we can all agree that it can take up to 10 business days for a this company to get my written request via the mail
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Late Payment Reporting Under FCRA from Edfinancial. 
Dear XXXX I am writing to formally dispute the reporting of XXXX instances of XXXX day late payments on my student loan account serviced by Edfinancial , which had a highest balance of {$5500.00} and is now fully paid off as of XX/XX/XXXX. The information reported is inaccurate and does not align with my payment history. 
Legal Basis for Dispute : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. 2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The late payments listed for my account are inaccurate and need verification or removal.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information, such as Edfinancial, are prohibited from reporting information they know or reasonably should know to be inaccurate. 4. 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Furnishers are obligated to correct and update information that is incomplete or inaccurate after becoming aware of the issue. Details of the Dispute : Loan Servicer : Edfinancial Accoun
t Information : Student loan opened XX/XX/XXXX. 
Disputed Information : XXXX instances of being XXXX days late are inaccurately reported. Based on my payment records, I believe these entries are incorrect.

Action Requested : I request a reinvestigation of this account and removal of any inaccurate late payment entries. Please provide detailed evidence, including payment records and timelines, to support any claims of delinquency. 
XXXX XXXX social Security XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 140 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I call Preferred Credit to pay off my remaining loan balance early. It was listed on my credit report owing {$170.00}. I call and advise I wanted to pay it off. I was told I couldn't and would have to allow my payment due on XX/XX/XXXX to process and then I could call after and make the payment to pay it off. This did not make sense to me, so I question a supervisor who approved the payoff to be completed on XX/XX/XXXX I was advised that to payoff the balance I would need to pay {$170.00}. I provided my bank information and a payment of {$170.00} cleared my bank on XX/XX/XXXX. On the evening on XX/XX/XXXX I received a notice of my credit score changes. When reviewing the changes I notice I was still being reported of a {$2.00} balance with a minimum payment of {$5.00} being due. I called the automated system and it stated I had a payment due on XX/XX/XXXX. I questioned a representative about this and she stated I was given an incorrect pay off amount. I told her that is not my fault that it was wrong because they did not process the payment until 4 days after I authorized the payment. I asked for a supervisor and the supervisor refused to take the call. I then stated that for the small amount of {$3.00} that they say I owe in order to fully payoff the loan, to satisfy the issue and correct the error on there behalf they should adjust the balance to {$0.00}. They refused. To be done with the company I gave my payment information again and was told the payoff balance was {$3.00}. When the agent went to submit my payment on XX/XX/XXXX she stated that I only need to pay {$2.00} and they would process the payment that day. Then she stated the payment will process on XX/XX/XXXX. She assured me the payment will pay the account in full this time. I would expect a company that provides a payoff amount to take that payment as payment in full. Due to the error on the company behalf the small balance should have been adjusted and an apology provided. Instead I am told I have to pay the amount and didn't even get an apology of any kind for a company error. For working for a XXXX   XXXX  myself I am truly disappointed with the customer service provided and would hope that Preferred Credit gets it together and stops XXXX people over. I would have never known I owed anything if it wasn't for a credit monitoring alert.
Product: Prepaid card

On Saturday XX/XX/year> I was trying to use my Serve card from Amex, for the amount of XXXX with XXXX XXXX, I was told that I was restricted from using the card with XXXX XXXX for 30 days because I have made excessive amount of purchases with them. A representative at Amex told me that it was XXXX XXXX that is restricting me from making a purchase which I find absurd. When I changed to a different card to make the purchase I was able to complete my purchase without any issues, which confirmed that it was Amex that restricted my card on how many purchases I am able to make with XXXX company if they find it to be excessive. I tried to explain to the rep that what I was purchasing was for a game I am playing and I shouldn't be told how I can spend my money, how often with the same company. Nevertheless, I have been restricted for making any further purchases with XXXX XXXX which includes XXXX Play and XXXX Pay for 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - XXXX XXXX XXXX XXXX sent me an email saying that my online application for a bank account was not approved because of inconsistencies. This is when I became aware my identity had been stolen. I immediately had a fraud alert placed on the XXXX credit reporting companies. Unfortunately the damage was already done. XXXX XXXX XXXX XXXX said I need to solve the problem of removing the hard inquiry with Transunion. Transunion says I need to file a FCA report then paper mail the report along with other documents to dispute this fraudulent hard inquiry and remove the negative impact on my credit report. Online disputing is not permissible according to Transunion. I was instructed by Transunion to https : //reportfraud.ftc.gov/ which has then forwarded me to Consumer Financial Protection Bureau XXXX The goal is to have some sort of report that I can print and paper mail to Transunion.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent XXXX XXXX and experian more letters requesting the inaccurate information they are reporting on my credit report that is in violation of 15 usc 1681e ( b ) and needs to be deleted and i will attach a copy of my credit reports outlines the inaccurate information reporting. 

see attachments
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX  in regards to false reporting to the XXXX credit bureaus. I requested a dispute and they denied my request as if the reporting was accurate on my credit card utilization. I have proof of my minimal payment being paid on the due date and also paying additional money before statement date making my utilization below 102 % which they reported. In XXXX XXXX still refuses to correct the inaccuracy. Because of this my credit score decreased by XXXX points.