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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXXK # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX 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 a 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

Ford Motor Credit has denied financing that I qualify for. Over 10 years ago I filed a bankruptcy and was under order of the court to surrender a car. They sold the car to recover some of the loss. They continue to " hold it against me '' even though I clearly qualify. I was told that because of that I will never be able to get financing through them.
Product: Credit card or prepaid card

I am a card member of a Sam 's Club XXXX XXXX XXXX. XXXX of the main reasons I signed up was because they offered XXXX XXXX XXXX XXXX as stated on Synchronys website ( pages 3-4 ) https : //samsclub.syf.com/essimages/cs/groups/ess_webasset/dualcard/@sams/en/pdf/ess034819.pdf The benefit states : Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone You must charge your monthly Eligible XXXX XXXX XXXX bill to your Covered Card. 

Coverage for a Stolen or damaged Eligible XXXX XXXX XXXX is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is {$800.00} per claim I fulfilled my part to charge my monthly mobile XXXX service payments to this credit card. Therefore, I was under the impression that I was insured by XXXX so I canceled my insurance with my carrier. 

However, when I tried filing a lost phone claim on XX/XX/2022, I called XXXX claims department and they denied my benefits because they said the issuing bank, Sychrony Financial canceled this benefit and to direct the claim to them. When I reached out to Synchrony on XX/XX/2022 they pointed the finger back to XXXX for canceling this benefit. Both parties said they cant do anything about this. 

When I escalated this call to a manager at XXXX on XX/XX/2022 and explained my predicament, she hung up on me. As a consumer I feel deceived, frustrated and defaulted of a valid claim of {$800.00}. 

On the on the lost phone coverage even though it was clearly stated on the benefit guide. Both sides claimed that the other party should cover it. After long waiting and calling time, it remains unresolved. Synchrony call agent hang up on me. I am very disappointed about the advertised benefit and how it was handled when it is needed. 

The benefits are still currently posted on Synchronys website as of XX/XX/2022 for this coverage. They did not send me any communications to notify me this benefit is no longer provided. This is deceptive advertising and hurts consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous credit cards listed on my credit report that I did not authorize. These accounts were not opened or initiated by me and was a result of identity theft or malpractice.
Product: Credit card or prepaid card

I went to check on my credit history and I noticed that several credit cards have been opened under my name. I called the credit cards and I have no recollection of ever having these cards. I need this accounts to be removed off my credit report history from all three credit reporting agencies immediately. I'm in the process of applying for a mortgage and this will ruin my chances of getting the home that I need for my family.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX  - Account XXXX XXXX  - Account XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX
Product: Debt collection

AFNI Collections has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

I was hacked and scammed out of XXXX and Chime/XXXX  does not believe me and has denied my claim of fraud they did not ask for my phone.documents or any other documents in determining their decision to deny my claim and refuses to back my money which FDIC insured XXXX I have opened a rebuttal but there is no one I can speak to in their investigation department about my claim and their call center does not care about my wellbeing or the fact tha I was robbed of my savings. The frauders hacked my account shut down my credit builder and saving account transferred money into a pay to pay person and also attached an apple pay to my account. I would like to hold responsible on my lost funds as I did not authorize this transaction and called immediately when I was notified my email things where happening to my account.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX BANKRUTCY IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Experian I am writing to formally dispute the continued reporting of inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681. I have previously brought these inaccuracies to your attention, yet you have either verified or updated the disputed items without properly investigating or correcting them. 
The specific item I dispute are as follows : XXXX ACCOUNT # XXXX reporting inaccurate Despite my repeated efforts, these accounts remain incorrect. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation of disputed information. Failure to comply with this requirement is a violation of federal law.

Additionally, by continuing to report inaccurate or information, you are in violation of 15 U.S.C. 
XXXX681e ( b ), which mandates that consumer reporting agencies maintain accurate and fair credit reports.

If this matter is not resolved within 15 days from the receipt of this letter, I will have no choice but to pursue legal action against Experian XXXX XXXX and XXXX for all damages resulting from these violations, including but not limited to : Damage to my credit reputation Denial of credit opportunities Emotional distress As part of this legal action, I will also seek to recover attorney fees and court costs under 15 U.S.C.

1681n and 1681o. 
I request that you : Immediately delete the inaccurate information from my credit report. 
Provide me with the results of your investigation in writing.

Supply me with the name, address, and telephone number of the information provider for the disputed items. 
Please find enclosed supporting documentation, including copies of prior dispute letters, relevant correspondence. and documentation proving the inaccuracies of the disputed items. 
This letter serves as your final opportunity to comply with federal law. Failure to act will result in legal proceedings. [ XXXX XXXX XXXX. I look forward to your prompt resolution of this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i disputed a charge with  XXXX   XXXX    XXXX   in  XXXX  .i re ceived a call on  XXXX / XXXX /  XXXX   at  XXXX  am from someone who only identified himself as an  investigator  who was going to be serving me with a summons.when i told him to go ahead and serve the summons he said you are going to get  XXXX  in the  XXXX  with an american flag.i  hung  up the phone and blocked the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that I had a capital one credit card in my name..I never applied for credit card
Product: Mortgage

We had a mortgage with a company named XXXX acct. # XXXX. We have an approved loan modification with them. They sold the mortgage to a company named PHH Mortgage. PHH is not accepting the loan modification. They sent us a check for the amount of our first trial payment to XXXX. XXXX cashed our check for the first payment.We are attaching a copy of that check as we have not deposited it as we are not accepting it. Why would XXXX cash our check for the payment then sell the mortgage and the new company not accept the terms of the modification. We have filed a complaint on XXXX # XXXX.We are now filing this complaint on PHH Mortgage . We are not acceptiong the check from PHH as we have an approved modification plan and have complied as the terms specified. We have sent our second payment to PHH as specified by XXXX. They still have not cashed our check which we have a signed receipt that they received it on XX/XX/2016. PHH Mortgage has sent numerous letters ( approx. XXXX letters ) of impending foreclosure, this is very stressful to say the least. It is harassment to spend as much on trying to straighten this out and get nowhere. I have many hours on this that I could be working to make money to pay the mortgage. CFPB guideline are being ignored in this. My wife 's health has been affected as well as mine. My business has suffered as I am spending hours on this. I the new PHH Mortgage account # XXXX. I am attaching the signed and approved loan modification, a copy of our check to XXXX for the first trial payment XX/XX/XXXX, a copy of our check to PHH Mortgage for our second trial payment due XX/XX/XXXX they received XX/XX/XXXX, letter from XXXX saying to make payments to PHH Mortgage which is also Mortgage Services I guess. Sending letters from PHH threatening foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for XXXX delivery driver and was denied to get hired just today XX/XX/XXXX by XXXX XXXX XXXX. I understand the reason why I got denied for but because of my drivers history of just one Incident I had back in XXXX but again that was XXXX I was young at the time and made my mistakes. I feel like I deserve I should be allowed to work for XXXX because Im not the kid I was before, I know better and will not do the same mistake over again, Ive learned from my lesson. I just really need this job so if you guys can please give me a chance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX with Volvo has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer report to furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open ended consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

. 
In 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 XXXX XXXX  Account name : XXXX XXXX, Account name : XXXX Account name : All other negative accounts 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 a 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 to any consumer reporting agency if the15 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

***IC SYSTEMS IS INEPT- THEY MUST BE HELD ACCOUNTABLE TO CONSUMERS*** IC Systems continues to report a debt that was paid years ago. I have called more than 10 times in XX/XX/XXXX and XX/XX/XXXX to have it sorted out but THEY CAN NOT FIND ME IN THEIR SYSTEM even using my full name SS number, past XXXX addresses etc. Yet, they continue to report this to the credit bureau. 

They do n't call or write letters- I only see it on my credit report and then I call them. I asked them what are we to do in this situation as it 's not fair to continue reporting it if IC Systems ca n't find it in their system to even discuss with me! 

When I call- they all say the same thing- sorry I ca n't help you, we can not find you in our system! And yet they are reporting every month to the credit bureau. 

I informed them I would have my lawyer take it from here but it seems very unfair the burden and expense is on me for doing so. I do n't know how else I can force them to get this corrected and hold them accountable for this error and the time, energy and effort I 've had to put into sorting it out. Not to mention the effect it 's had on my credit score and likely the interest rates I 've been on offered on my mortgage for example. 

IC Systems should n't be allowed to give consumers the run around like this and punish us for their ineptness. 

# #
Product: Checking or savings account

on XX/XX/XXXX a hold was placed on my account for XXXX i immediately contacted bank of america when i noticed the hold on my account i was transfer to a financial investigator who told me there was no information and he would contact me back in about a hour which he did when we spoke he said i had received a electronic transfer for {$150.00} and the person that sent me the transfer claimed they didn't receive the item from me which they did the financial investigator told me i had two claims against me one for {$150.00} and one for {$550.00} which i later found was a lie there was only one claim against me for {$150.00} but i continued to call him throughout that day because i honestly didn't understand what was going on he let me know that i was basically annoying him and for me to stop calling and he would contact me on XX/XX/XXXX which is today and i have heard nothing from him nor have i heard anything from the bank so this was my next option because i am fed up
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello! On the date XX/XX/year> I deposited 2 money orders that the bank took as 2 checks one for {$200.00} and another for {$1000.00} and the one for {$200.00} was released quickly and the one for {$1000.00} was retained and almost 2 months have passed and they have not been able to verify it every time I call customer service they tell lies and something different that has caused emotional damage because I am not currently working and the bank is acting abusive and dishonest.
Product: Mortgage

XX/XX/XXXX : My loan was transferred from XXXX to PHH Mortgage Services. 
XX/XX/XXXX : Talked with XXXX re : setting up a new on-line banking account. I was told to wait until the loan was officially transferred before we proceeded. 
XX/XX/XXXX : Received a letter stating that my XX/XX/XXXX unpaid debt was {$2200.00} XX/XX/XXXX : Called and no one answered XX/XX/XXXX : Talked with Agent XXXX, XXXX, XXXX and finally transferred to XXXX XXXX at XXXX. 
On-line account was set up and I noticed that my account was showing that I still owed my XX/XX/XXXX mortgage payment and the amount was incorrect. Talked with XXXX and he suggested that I wait until all files had been properly transferred to make sure that PHH system had the correct information. 
XX/XX/XXXX : Received two SCRA Notification letters regarding saving my home and applying for service-members assistance program. 
XX/XX/XXXX : Called XXXX and discussed the discrepancies in my accounts for over an hour with no resolution. He suggested that I send my payment history to PHH Research Dept., to bring my account current. 
XX/XX/XXXX : I submitted all payment history information to PHH as well as talked with XXXX ( XXXX ) for almost another hour. Mr. XXXX did nothing more than repeat information on PHH system. Informed me that I was missing a XX/XX/XXXX mortgage payment, did not acknowledge receipt of my payment history to PHH Research Dept and became upset when I began to challenge the competency of their organization and XXXX 's past lawsuits and legal entanglements. Mr. XXXX stated that he had sent me letter on the XX/XX/XXXX about the status of my account. 
When I got home on XX/XX/XXXX, I had two SCRA Notification letters from PHH regarding the delinquent status of my loan. In Mr. XXXX, Case Manager letter, there is a paragraph that states that " ... if a payment of {$720.00} is not received on or before the last business day of the month, that this situation would be reported to the credit bureaus ''. 
After reading this threatening and illegal language from an organization that has only had my account for 21 days, I knew that I and anyone else doing business with PHH is in trouble. As a matter of fact, there is a 60-day grace period during the transitioning of this account when no late charges can be applied according to their correspondence to me. It is obvious that PHH is an extension of XXXX and doing business with this organization is a detriment to any average working family or anyone period! 
Resolution : To bring my Account XXXX current ; To remove all late charges, collection cost, NSF fees and properly apply funds being held in a suspense account to my mortgage payment history ; PHH to stop sending harassing and threatening letters without factual information and within the policy and guidelines of best business practices ; and Remove MrXXXX XXXX as my Case Manager. 

If anyone can help me transfer, refinance or assign my loan to a normal, credible lending institution in America, my life and those like me who are experiencing this same never ending nightmare would be forever grateful!
Product: Mortgage

Loan servicer committed multiples breach of contract acts, fraud by deception, Assignment of Mortgage is fraudulent and bogus, securing nothing. The Note and Mortgage were separated at settlement when XXXX XXXX XXXX XXXX XXXX XXXXXXXX  nominated MERS as Mortgagee, while the beneficiary under the note remained. Fraudulent Assignment voids the Mortgage. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which sold the unauthenticated promissory note to Nationstar mortgage d/b/a Mr. Cooper Mortgage have no authority to foreclose on my property by filing titled Records of Releases and Other Actions. The crime in continuation and theft by deception included the Warranty Deed, Deed of Trust, Appointment of Substitute Trustee, all filed fraudulently to give XXXX XXXX XXXX XXXX XXXX XXXX/Nationstar mortgage d/b/a Mr. Cooper the appearance of authority to enforce the power of sale clause in the deed of trust. However, the bifurcated mortgage separated the paper promissory note from the paper security instrument rendering the Deed dead. The Deed of Trust was rendered a nullity the instance MERS was named as the beneficiary because there was no lawful method to perfect the lien in another partys name without that party being the owner/holder of the promissory note regardless of how many times they attempted assignments or transfer of the property I own, through their own actions they voided the Deed of Trust XXXX the only enforcement tool to legally foreclose on the property. 

XXXX XXXX XXXX XXXX XXXX XXXX /Nationstar d/b/a Mr. Cooper Mortgage is nothing more than a third-party debt collector masquerading as the note holder and forcing sale of property not legally entitled to foreclosure doing so committed fraud upon the court and filed fraudulent financial statements in public records. 






CC : Sheriff, Police department , County Attorney , County Recorder