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

This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 

" XXXX XXXX XXXX XXXX '' " 2 Year Payment Description : '' " History Account '' '' XXXX XXXX XXXX XXXX XXXX '' '' Account # : Account Status : '' '' XXXX Open '' " Account Type : '' '' Mortgage '' '' Balance Owed : '' XXXX " Credit Limit : '' XXXX '' Creditor Remarks : '' '' - '' " Creditor Type : '' '' XXXX XXXX XXXX XXXX '' '' Date Opened : '' XXXX " Date Reported : '' XXXX '' Date of Last '' XXXX " High Balance : '' XXXX '' Last Payment : '' XXXX " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : '' " XXXX XXXX '' " 2 Year Payment Description : '' " History Account Account Type : Credit Limit : '' '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} '' '' Account # : Account Status : Balance Owed : Creditor Remarks : '' '' XXXX Open {$39000.00} - '' " Creditor Type : '' '' Auto Loan '' '' Date Opened : '' '' XX/XX/XXXX '' " Date Reported : '' '' XX/XX/XXXX '' '' Date of Last '' '' XX/XX/XXXX '' " High Balance : '' XXXX '' Last Payment : '' '' XX/XX/XXXX '' " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was on CarMax looking for a vehicle. Just LOOKING As of today, XX/XX/XXXX, there are SEVEN hard inquiries on my credit report all submitted on XX/XX/XXXX by CarMax. I DID NOT enter my social security number on CarMax.com, NOR did I authorize this company to run my credit SEVEN times with SEVEN different banks. I called CarMax corporate today XX/XX/XXXX after receiving two out of seven letters from auto loan bank companies and one of the representatives had the audacity to ask me for my social security number!! I asked the woman " why do you need my social security number if your company already ran the inquiries without my permission '' and to that, she did not have an answer. I told her I did not feel comfortable giving CarMax my social security number at that point. This should be a quick fix! There is no reason why the company made me jump through hoops and hurdles for an issue that they could fix with the press of a button. I'm a young single mother who is in the midst of repairing her credit. I had a goal to BUY a vehicle in XXXX. But due to CarMax malicious intent, I don't see myself being able to accomplish my dreams sadly. I am completely and utterly devastated at the hit my score has taken because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX
Product: Mortgage

I applied for a mortgage modification in XXXX, 2016 under XXXX. On XXXX XXXX, 2016 I spoke to a representative from my mortgage company ( Ocwen ) about the terms they were offering to me. I was told that the interest rate would be 2.0 %, the payment would be {$740.00}, the principal was {$160000.00}, and from the principal {$50000.00} would be forgiven, lowering the principal to {$110000.00}. I was also told that these figures would change SLIGHTLY after my XXXX trial payments were made and that I would get the final amounts after I had made XXXX out of the XXXX payments. They said they were unable to give me anything in writing until the trial payments were made. So I entered into the modification trial period. 
When I received my final modification documents, the slight change was that only about {$5000.00} would be forgiven each year for the first 3 years, and that {$33000.00} would be held in reserve and added to the principal upon sale or refinance. When I asked about this, I was told that the representative must have given me the wrong information and they were sorry. 
I feel that Ocwen deceived me and falsely enticed me to enter into XXXX set of terms, then after I agreed to the modification, they changed the terms. I believe this is a violation of XXXX XXXX, unfair and deceptive business practices, as well as a violation of my rights under the CFPB.
Product: Debt collection

The credit card account in question here - totaling {$17000.00} - was set up using my name and personal information that was shared with XXXX representatives of the XXXX XXXX XXXX. They ( names shown below ) had contacted me about money that I was to receive and I was told that they would cover all costs for the delivery of this money. There are so many fraudulent activities out there today that made me follow through in an attempt to verify the legality of their claim. Based on information I obtained, relative to this type of activity from competent sources, and multiple follow-up inquiries with the supposed representatives ( XXXX XXXX XXXX and XXXX XXXX XXXX ) I moved forward on their proposal. 
They were to take the information requested from me to set up accounts with XXXX banks necessary to deposit the required fees for the competition of all necessary payments prior to the release of the funds. Once the money was deposited into the accounts, I was to withdraw it and send it on to them for the payment of these required fees. 
When the money was deposited into the Capitol One bank account - that they had set up in my name - I sent it on to them as requested ( I was n't concerned at this point since this was their required fees and not my money ). As a security measure, I contacted the bank and talked to XXXX of their representatives to make sure that the money was legally on deposit and that it could be withdrawn. She informed me that it was okay to make the withdrawal. After my withdrawal, approved by XXXX XXXX, someone removed the deposit leaving the " supposed legal responsibility '' in my name. 
In multiple attempted follow-up calls to XXXX XXXX and XXXX XXXX I received messages that said : " This number is not receiving calls. '' After this occurred, I contacted Capitol One and talked to many representatives in a number of departments about the fraudulent action - all of whom would either not discuss it with me or said there was nothing they could do about it. 
I have submitted reports on this fraudulent activity to multiple federal agencies and my local police department and, as of this date, have gotten no resolution. Capitol One did agree to stop interest charges and at one time deposited that interest money back into the account. Since that time, they have begun making additional interest charges. 
The most recent contact with Capitol One was on XXXX XXXX, when I sent a " return receipt '' letter to the person in their fraud department. He had requested this and said that he would follow up with me after my written communication. That has not happened, even though I received the return receipt from the post office. 
Since I did not set up this account and they released the money following my request for verification, I do not think that I am accountable for this account and the charges being made to me. Not one cent of this money was kept by me.
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION.

15 USC 16819 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Mortgage

In early XXXX, 2016, my husband and I met with a XXXX, a broker at a PNC bank branch to go over our finances and get advice as we wanted to apply for a loan to make some repairs to our home. We went over some options, discussed our credit with her, and she went over some different rates with us for a secured and unsecured loan. After doing that, she advised us that we would be in a better position if we cleared up our delinquent accounts on our credit history, and the best way to do that would be to take out a loan against my XXXX and then wait approximately 30 days for the credit to update and return to apply for the loan. I in turn took out that loan, paid off the debt, and we waited approximately 30 days before coming back to PNC to initiate the loan application. We applied for the HELOC on XXXX XXXX, 2016 with XXXX. We went over the approximate value of our home, how much equity we thought we had in it, and determined that we had more than enough to apply for a {$25000.00} loan. We spent the better part of the morning with her, provided all the documentation she asked for, but when we left the bank that morning, she did not provide us with anything other than her contact information. Federal law states that the bank is to provide us with a booklet providing information about using the equity in our home and also, within 72 hours, they are required to give us a disclosure noting the amount of the loan and the approximate costs involved in getting a home equity loan. We did not receive any phone calls from her. We did receive a generic email from the bank simply stating that the bank received our application and if they needed further information they would contact us. It was signed by no one. The second day, I got the same thing. After that, I called XXXX, who informed me that the loan was rejected but, without our knowledge, she was writing an " appeal '' and she would let us know what happened with that. This was extremely upsetting to both my husband and myself, who took her advice and took out a loan against my XXXX to clean up our credit to be in a better position with the bank, and the bank still denied our application. XXXX informed us that the bank denied the appeal. So now here we sit with no loan, and no way to make the improvements we need to our home.
Product: Debt collection

XXXX XXXX XXXX I placed an order in XX/XX/2020 for two separate custom-made couches to XXXX XXXX XXXX I paid through my good standing affirm account with a perfect record. The order did not move forward by XXXX XXXX until end of XXXX and on XXXX the loan went onto my affirm account for both couches, though the confirmation email was showing the larger 3, + item on backorder. XXXX XXXX charged Affirm for only the {$2100.00} couch around the beginning of the year and I began the $ XXXX payments for both couches plus interest from the beginning of the loan because Affirm had included the full amount for both couches plus interest into the loan and payments. I got another ETA, further delayed for one couch and got the one couch months delayed around XXXX or XXXX. Ive paid off for the couch I received plus an excess of over {$1000.00}, not including interest or the fact that the delivery fee was for both couches, not just one. I called XXXX XXXX and Affirm regarding this in XXXX and after XXXX XXXX saying the fabric vendor was not confirming availability of fabric to make the couch. Affirm was notified and said to call back and dispute with management if they were not going to provide another XXXX or confirm production of the couch. I asked for an adjustment on my account for payments for time to get confirmation the couch was still available. Affirm gave me a delayed new payment date. I called XXXX XXXX countless times and hours hold time each time. Each time the new rep would see it was inquired about and noted in the system, yet each time there was no XXXX provided or confirmation of order production. There was no response from the vendor according to XXXX XXXX each time I called. They kept telling me to call back and check later and lead me on that they would follow up, escalate or get management to handle it they never did. 
Two letters I have from XXXX XXXX Management and Accounting show the item production was cancelled at some point as product unavailable. They show that Affirm was never charged the $ # XXXX for the second couch. 
Affirm has ignored my communications and the letters from XXXX XXXX and I have had to resend to them more that 5 times, getting a confirmation email that the item was disputed and a refund would be issued in 5-7 days. I kept calling back and they kept elevating to dispute department over and over each time, never moving it forward. Over the last few months I have had collections calls, texts, emails and notices of delinquent payment, after each rep said I should be getting a refund of the over {$1000.00} I paid toward the second couch that was never produced, shipped or delivered. 
They have now reported delinquency to the credit bureaus and ruined my credit a crash of XXXX points. I have attached numerous supportive emails, verifying evidence that my statements are true and correct. 
I demand {$5000.00} from Affirm for their crime and harassment and damage due to their fraud. 

XXXX XXXX XXXX
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 180 days past due as of XXXX 2013 150 days past due as of XXXX 2013 120 days past due as of XXXX 2013 90 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Debt collection

Received letter from Transworld Systems Inc. ( TSI ), claiming that I owe {$2600.00} to a XXXX account number XXXX, which TSI claims is now owned by XXXX XXXX XXXX XXXX. 

They claim the debt has existed since XX/XX/year>. 

I contacted the claimed original creditor, XXXX. 

This XXXX account is not now nor has ever been mine. I called XXXX to verify ; support agent says it is not even a XXXX account number. 

I am current on my actual XXXX bill in any case. 

Attempted to contact TSI, but declined when they wanted my SS #. 

TSI Address : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting

I sent several letters let Experian know that XXXX XXXX Bank, XXXX is not the owner ofthe debt any longer, they refused to remove it and stated that they will not investigateit any more, even thought XXXX is not the owner of the debt, I also sent a letter toXXXX XXXX Bank who sent a letter back stating that they are not the owner of the debt
Product: Mortgage

I went under forbearance because my spouse lost her job because of XXXX. The agreement was to postpone payments until we were better situated. During the forbearance period, random visitors showed up at our house asking " Is this house occupied ''? We were confused as to why these people were showing up and we warned them that we will call the police if they continued to invade our privacy. They were caught peeking through our windows and taking pictures of our home as if planning something. 

We contacted Pennymac and they informed us that they used a 3rd party to investigate and they will send a complaint for harassment. We had the same lady show up again a week after this conversation. Another representative said they were moving forward with a foreclosure anticipating that I would not be able to make payments in the future. This home was purchased under a VA loan which states that companies can not foreclose without appearing in court. 

Furthermore, the forbearance was not supposed to have an impact on my credit score. Because of the alleged delinquency, I have not been able to purchase a more reasonable vehicle and my security clearance is also at risk. 

I was also assigned a " Trustee '' that is NOT a legal resident of Tennessee, which is a requirement to be listed on a DEED OF TRUST in the state of Tennessee. We have had our rights violated on multiple occasions since XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to investigate and verify the alleged debt collection reported by XXXX XXXX XXXX and for inaccurately reporting this account on my credit report. Despite my dispute, Equifax has continued to report this debt as a collection, making critical errors in the process and violating the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681i ( a ) of the FCRA, credit bureaus like Equifax are required to conduct a reasonable investigation when a dispute is filed and to correct or delete inaccurate information. Equifax has failed to meet these obligations, infringing on my rights under the FCRA. 
Account Not Initially Reported : In XX/XX/XXXX, my Equifax credit report did not show any collection account from XXXX XXXX XXXX. However, a year later, I was surprised to see this collection account added to my report, despite having never been contacted by XXXX XXXX XXXX. 
After conducting my own investigation I was able to locate this alleged account. 
In XXXX. I contracted Freedom debt relief to assist with settling an account with LendingPoint.The agreed-upon settlement amount that Freedom Debt Relief negotiated with LendingPoint was {$12000.00}, Which was confirmed and agreed upon by both Parties. All payments were made and the debt was paid in full in XXXX. 
I have attached a document and statement as a proof. Despite the settlement agreement and full payment, XXXX XXXX XXXX which I have no contract with and never attempted to contact me before, theyt waited XXXX years and falsely reported a collection on my credit for the same settled account. They falsely reported that I owe {$26000.00} a significantly higher amount than the settlement agreement. 
This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verified information be reported to the credit bureaus. 
They falsely reported to Equifax by manipulating the dates for this account. 
A separate complaint against the collection agency XXXX XXXX XXXX will be filed for failure to validate this alleged debt as required by the FDCPA and for False Representation of debt amount ( Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e ( 2 ) ( A ) Errors in Equifaxs reporting shows the account in question lacks a last payment date and date of first delinquency, further indicating Equifaxs failure to properly investigate or verify the account.

Misclassification of Creditor Category : The account was misclassified under the wrong creditor category, which creates further confusion and inconsistency.
Product: Credit reporting, credit repair services, 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, 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 : 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

On my Equifax credit Report its showing that I have a closed child support account, the amount owed is incorrect, the date it was opened per Equifax was XX/XX/XXXX, I wasnt born until XX/XX/XXXX, I no longer live in Kansas, so they arent allowed by law to collect child support on my behalf. Its been dismissed since I left that state and Equifax will not remove this false info off of my report.
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/year> Last 4 SS # : XXXX XXXX XXXX XXXX : XXXX Experian XXXX To Whom it May Concern, Account name : XXXX XXXX  I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1600.00} while reflecting XXXX XXXX XXXX XXXX late payment. Additionally the utilization percentage is also inaccurate : 48 % of {$1100.00} = 0.48 x {$1100.00} = {$520.00} So the increase amount is {$520.00} Adding the increase of {$520.00} to the original {$1100.00} gives us : {$1100.00} + {$520.00} = XXXX Therefore, {$1100.00} plus a 48 % increase is {$1600.00}, not {$1600.00}. 

According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Product: Debt collection

JPMCB CARD SERVICES - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA.
Product: Credit card or prepaid card

I have a Bank of America ( BoA ) XXXX XXXX credit card. I have configured AutoPay in my online banking with payment amount set to " Amount Due ''. BoA has provided 4 options in their AutoPay config : Amount Due, Minimum Amount Due, Account Balance and Fixed Amount. 

In XX/XX/2019 statement, there was an annual fee charge of {$75.00}. The statement also shows a " Minimum Payment Due '' of {$25.00}. In XX/XX/2019 statement, I see that the AutoPay I have configured only paid the minimum amount of {$25.00}. This caused {$1.00} interest charge in the XX/XX/2019 statement. 

I called BoA 's customer service to ask why my AutoPay did not pay the full amount due of {$75.00} in XXXX. I was told that the " Amount Due '' and " Minimum Amount Due '' in the AutoPay settings are exactly the same - they both just pay the minimum amount of {$25.00}. To pay the full amount due, I needed to set it to " Account Balance ''. It is ridiculous to have XXXXwo different options for people to use, which actually means exactly the same thing. I feel I was cheated and BoA were doing this so they can charge people interests.