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

I wasnt able to obtain my score, it also appeared as if I was deceased and then it all of a sudden disappeared this all happened between dates XXXX Ive called the customer service representatives kept hanging up the line and had no recollection of situation Also there was a auto installment loan that shouldve been removed it shows on the report but if you go to the dispute center your not even able to see the same information its blank and Im still not able to see the correct exact credit score and thats been that way since the begging of may and still going on
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is a major source of concern for me. I am deeply troubled by its potential adverse impact on my credit. It has already led to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial strain and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

My name is XXXX, I'm reaching out to request for assistance in matters pertaining apartment lease. 
At about the beginning of 2021, I was going back to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My mom and my grandma were trying to get a place for me. They happened to find this apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. Apparently they applied but we never got qualified. The requested we find a guarantor or else we would not qualify. unfortunately, were were not successful in getting a guarantor. For that reason we were disqualified. All this was carried out by my grandma. It was almost 2 years later i found out through my credit report that this complex had sent my information to a debt collector. I immediately contacted all the XXXX credit bureau to dispute it. XXXX of the credit bureau removed it. i kept disputing with the one that rejected the dispute, unfortunately it's been unsuccessful. 
This year i checked my credit again and found out that the debt collector posted this information on XXXX credit bureau. I have been very frustrated because it's damaging my credit. I'm subject to unfair treatment on something that was not in my control. I have tried everything until I decided to reach for this agency to help me out. I think this is crazy to be asked to pay almost XXXX for a place i never lived in while trying to pursue my education. 
I would like them to remove this information and clear my name because its pure absurd. 
Thanks and Hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

Ive identified unapproved hard inquiries on my credit report that harm my score. Please remove these errors in accordance with 15 USC 16c-2.
Product: Debt collection

I received a call from a company called XXXX XXXX XXXX XXXX ( XXXX ) alleging that I owed a debt to Santander Consumer USA for a vehicle that I owned and was totaled in 2006. The rep from XXXX XXXX XXXX XXXX ( Ms. XXXX ) threated to garnishee my bank account, sue me and summon me to court. 

I currently own a vehicle financed by Santander Consumer and I called them regarding this issue. Although there was a debt for the totaled vehicle as the insurance company did not pay the full amount, the Santander rep advised that XXXX XXXX XXXX XXXX is NOT the company I should contact. The debt was in the sole custody of XXXX XXXX XXXX which works for Santander. I contacted the company per Santander rep and paid an agreed amount not paid by the insurance company for the totaled vehicle. 

XXXX XXXX XXXX XXXX continues to call me though they are NOT affiliated with Santander in any form.
Product: Credit reporting or other personal consumer reports

I have became a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report.
Product: Credit reporting or other personal consumer reports

I am contacting you to address several issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and reporting inaccuracies. I would greatly appreciate your assistance in resolving these matters to maintain my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I submitted a dispute with Experian regarding two unauthorized inquiries on my credit report. As a recent victim of identity theft, multiple data breaches including hackers from the XXXX Government ( because I worked many years for a XXXX XXXX XXXX ), a former XXXX XXXX employee of XXXX years ( mostly XXXX ) and victim of XXXX XXXX by an XXXX XXXX XXXX making XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am understandably concerned when my information is accessed inappropriately. 
Experian dispute # XXXX. On XX/XX/XXXX Experian sent multiple emails indicating the dispute was completed, and to log in for results. Upon logging into the Experian website I was advised the results were NOT available online with no further explanation. On XX/XX/XXXX I contacted Experian by phone, the rep refused to provide his employee number or name and repeatedly said the disputed info had been removed. False. As of XX/XX/XXXX it still has not been removed. The Experian rep refused to provide additional information I had requested ( IP address of the requesting party, credentials/user ID and so forth ) which would help me determine/identify if my XXXX XXXX or other parties were responsible. 
At issue are the following inquiries : XX/XX/XXXX by XXXX XXXX XXXX, XXXX, California. Several phone calls with XXXX XXXX and they ALL denied having run my credit, meaning either an employee with nefarious intent did so XXXX XXXX 's network had been hacked. On XX/XX/XXXX XXXX finally sent a letter acknowledging they HAD run my credit for a pre-screen. I had not applied for credit, a loan nor had I attempted to open an account with XXXX. They had no right to run my credit, no right to access what should have been private info. 
The other inquiry is XX/XX/XXXX by XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX by Certified Mail which they received on XX/XX/XXXX but they have not yet responded. I had not applied for credit, a loan nor had I attempted to open any sort of account with XXXX XXXX XXXX. They had no right to run my credit, no right to access what should have been private info.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was told that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. As a regular user, this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Trans Union is showing two different collections on my account. One is from XXXX XXXX XXXX for XXXX XXXX  for {$610.00} ... This account was charged off and closed many years ago, and is being reported as current. 

Trans union is showing XXXX XXXX as a collection for {$25000.00}. This account was a voluntary repo from 2016 and is charged off and closed years ago also, and is being reported as current. It's open date is in 2016. 

XXXX XXXX  was removed from XXXX and shows as closed in XXXX. 
XXXX XXXX  is no longer reported on the XXXX  other bureaus. 

Thank you, XXXX XXXX
Product: Mortgage

A mortgage lender opened a credit card in my name without my permission. She did this during the process of my mortgage loan which we never closed on. She stopped responding to my phone calls and emails and when I asked her about the credit card via email, I never got a response from her. She stopped all communication and because of that, I lost my dream home, my money that I invested, time and money lost from taking off work to provide all the documentation that she needed. Now my credit report has a fraud alert on it and it is now causing me to pay deposits for things like my XXXX bill of {$250.00}.
Product: Mortgage

I have a loan with Planet Home Lending that has been fluctuating through outrageous totals from {$1300.00} to {$1900.00} for a little over two years. From having previous loans with other companies in various cities and states I've come to the conclusion that Planet Home Lending may be operating with nefarious intent of consumer accounts! 

When I lost my job due to XXXX, I was put under the XXXX  policy back in XX/XX/XXXX. I completed the phone interview and online paperwork and was notified I was accepted into the program. A few weeks later I had received notices that I was approved for forbearance into XX/XX/XXXX. Then another approval of forbearance into XXXX and then a final approval until XXXX of XXXX. It should be noted that during this time I paid what I could on the loan, my wife and I both got part-time jobs to survive with XXXX children. When I called in XXXX to inquire about my start-up payments an agent indicated that because I didn't call in XXXX of XXXX, my loan was in foreclosure! 

Is that correct, because I received paperwork in the mail stating that it was pushed back to XX/XX/XXXX. The agent then said the only way to resolve this is to refinance your current loan and add the delinquent payments to the backend of a new loan with a current over inflated mortgage percentage rate. 

Why? 

Was this because I didn't make a phone call back in XXXX? 

But I have a letter stating my forbearance was approved through XXXX with a start-up date in XX/XX/XXXX. 

Are these unruly practices the tactics that PHL uses to take a person 's home or move them into a higher interest mortgage rate? 

After some quick thinking, I exhausted my retirement savings to bring my status current but another problem arose on the account. I was informed a couple of weeks ago that my balance will be rising again to {$1700.00}. I began to inquire, and this was due to Planet Home Lending paying my home insurance twice, once with XXXX and a second to XXXX. However, when I called in XXXX of XXXX, I was instructed by a XXXX  agent that XXXX had already forwarded the documents and XXXX understood that XXXX would be taking over. However, XXXX made the payment to XXXX, thus depleting my escrow account. 

This gross negligence in accounting errors and compliance with the XXXX policy are unacceptable! Therefore, I will be reporting PHL to the Federal Trade Commission and filing an additional report with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX at XXXX I entered into a recorded verbal phone conversation with Capital One Auto Finance, known as COAF on my credit report. I informed them I was reviewing my credit report and noticed two inquiries that I did not recognize. I asked them if they could verify the inquiries as authorized or unauthorized, meaning in accordance with the FCRA laws they must have my signature. The male representative did verify they have no record of the inquiries listed on my credit report of the date of XX/XX/XXXX and XX/XX/XXXX. As well, he verified there is no signature that exist for those inquiries. I demanded that the company delete the inquiries then. So, he told me I could dispute it by mailing in certain information. I then explained to him I will not pay for mailing and out put my own money for disputing an inquiry that was never mine in the first place. So, when he refused to give me an email address that I could send all the information requested to, I then informed him I will be filing a complaint with the Consumer Finance Protection Bureau, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle and my personal property were wrongly repossessed as a result of not formally being notified of my right to redeem post-repossession. Herewith are the documents which will substantiate my claim.

* NYS VAT 425. POST REPOSSESSION PROCEDURES * VNB EXPLANATION OF CALCULATION OF DEFICIENCY LETTER DATED XX/XX/XXXX STATING I WAS PREVIOUSLY NOTIFIED ABOUT THE SALE ON XX/XX/XXXX * VNB PAID LOAN LETTER * WHAT CONSTITUTES A WRONGFUL REPOSSESSION ON-LINE DOCUMENT * RETAIL INSTALLMENT CONTRACT REMEDIES ON DEFAULT. IF THE VEHICLE IS REPOSSESSED I MAY HAVE A RIGHT TO REDEEM IT IN ACCORDANCE WITH APPLICABLE LAW.

* XXXX  REPORT DATED XX/XX/XXXX LISTING THE REPOSSESSION.
Product: Debt collection

Requested debt validation multiple times from ACT, and XXXX XXXX, which were all ignored. Validation of Debt was never provided as legally required. In response to my last CFPB dispute ACT 's Compliance Representative for Account Control Technology , Inc. ( ACT ) stated this debt was recalled and should no longer be showing up on my credit report as ofXXXX. Yet this is still showing up on my credit report and negatively impacted my score.
Product: Mortgage

Ameris Bank 's XX/XX/XXXX XXXX XXXX Account Disclosure Statement miscalculates the escrow balance. The analysis includes : 12 months of " Account History '' for the period XX/XX/XXXX thru XX/XX/XXXX ( see page 2 of the " Annual Escrow Account Disclosure Statement XXXX '' ), and 12 months of " Escrow Projections '' for the period XX/XX/XXXX thru XX/XX/XXXX ( see page 1 the " Annual Escrow Account Disclosure Statement XXXX '' ). 

The analysis was done in XXXX, in the Account History section it includes : a " projected escrow disbursement '' of {$1400.00} for Homeowners Insurance for XXXX, but does NOT include a " projected escrow payment '' of {$830.00} for XXXX. 

So the 12 months of Account History ( XX/XX/XXXX thru XX/XX/XXXX ) includes 12 months of escrow disbursements, but only 11 months of escrow payments. No escrow payment for XXXX is included either in " Account History " or in " Escrow Projections ''. 

The result is that the " Payments to Esc. Acct. Actual balance at the end of the " Account History '' section is missing XXXX month of escrow payment. Therefore the new/revised required monthly escrow payment is higher than it should be. 

I've previously called and written Ameris but haven't achieved any correction, they just re-run the analysis with the same result.
Product: Debt collection

The original bill was {$930.00} from XXXX XXXX group. I paid {$500.00} to XXXX XXXX group then paid {$100.00} then they sent me to collection and charge me {$240.00} collection agency fee. Then I paid XXXX XXXX group {$160.00} that is when I found out I was in collection and they also charge me this collection agency fee. I contacted the collection agency and submitted all my records and the still refuse to listen. I called again to try and settle and have them adjust the fee they refused
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX up my credit profile and showed bad attitude on assisting me solving the problem. 
On XX/XX/XXXX, I applied Chase Southwest Credit Card from JP Morgan Chase. Chase pulled my credit report from XXXX  then denied my application given the reason of " too many ( >5 ) accounts opened within last 24 months ''. I then telephoned Chase customer support and found out that the credit history Chase got from XXXX was not accurate at all. In the report provided by XXXX XXXXo Chase, I found there are several accounts that were not opened by me. Then I telephoned XXXX  customer service and requested a dispute of those accounts against my Credit profile. 
I was offended by the process of how XXXX handled my dispute request. Here are my primary complaints : 1. Dereliction of duty XXXX XXXXequired me to submit a lot of supporting documents ( W-2, pay-stub, SSN Card, Drivers License, Address, Rental Agreement, Utility Bill, etc ) to validate my identity, which in my opinion exposed their failure to protect users ' credit info but to return the responsibility to the user to prove his identity. 
2. Processing speed very slow Despite XXXX XXXX dereliction of duty, I still submitted those docs accordingly. However, it took XXXX nearly a month only to be able to verify my identity, not even mentioning investigating the inaccurate info requested in my dispute request against the credit report they provided. Interestingly, their call center representative told me this process only takes no more than a week in general. 
3. Unresponsive customer call center representatives During the processing time, I telephoned their call center quite a few times tracking the updates. However, none of them was useful. Every time what I can only hear was their emphasis on they couldn't see anything from their database, so I had to either wait or to re-submit again. They even suspected me mailing the docs to the wrong place. Ironically, the mailing address was provided by XXXX. I believe it was because of their internal miscommunications which caused the delay, however, what I felt about the attitude from the representative was " We can't do anything from our XXXX  side. If you want us to process the dispute, you have to provide this and this, that and that ... '', even forgetting the cause of this inconvenience may possibly be the recent data exposure to the hacker, in which XXXX was the one at fault, not us customers. 
4. Problem still unresolved Now I received their full credit report, but still notice lots of wrong information recorded on the report which are not relevant to me at all ( wrong former name, non-existing accounts opened by me, invalid credit inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was reported by XXXX, and got proof from them those accounts don't exist. Therefore, I believe ( a ) my credit profile was screwed up by XXXX  entirely ; ( b ) XXXX didn't demonstrate well attitude on supporting me getting this cleared up. I got tired calling XXXX again and again. I'd like to come here for additional help from you.
Product: Checking or savings account

Checking Account at Bank of America-XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, an unincorporated voluntary association. On or about XXXX XXXX, XXXX a Bank of America Officer closed the account and credited the funds to another association, based on their claim that " the owner/signers of the account resigned, left town and ca n't be located ''. They had no account number, check book, debit card or any account documents. The Bank made no attempt to contact the signers/owners. The closure and money disbursement was UNAUTHORIZED. The Bank sent no notice or closing statement. To this day we have not received a statement. We went to the Bank in person only to be told that another account now had the funds and told us of the " left town '' claim. We filed a complaint on XX/XX/XXXX, copying XXXX XXXX, Retail Banking President, and Audit in North Carolina. Their response on XXXX XXXX was that we contact the other party and resolve our dispute!! or they would file an interpleader action in court and charge us for legal fees. Our dispute is with the Bank for failing to secure our account, following no customary procedures for account closure, conversion, and negligence. On XXXX XXXX we wrote yet another letter to XXXX XXXX and the XXXX XXXX XXXX asking where their disclosure agreement gives them authority to close our account based on the deceptive claims of outsiders and without authorization or consent of the account owners ; they have yet to respond. When an unauthorized charge is reported on a credit card, funds are replaced almost immediately. I have never heard of a Bank asking the account holder to go " work it out '' with the scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, I DID NOT AUTHORIZE ANY TRANSACTIONS TO THIS ACCOUNT. PLEASE IF YOU CAN KINDLY CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE DEROGATORY ITEM DELETED OFF MY CREDIT.
Product: Checking or savings account

XX/XX/2023 I send XXXX to a friend it came back canceled cash app was suppose to refund it that Monday and never did.
Product: Credit reporting or other personal consumer reports

Accountsk and Acct # 's : XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TRansUnion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.