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

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

They are continuously reporting me delinquent and pass due to credit reporting agencies saying that I am 30 days delinquent when I have made a payment every month since XXXX XXXX, 2015. XXXX 2015 I starting a Loan Modification trial. I completed 3 successful payments for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX On XX/XX/XXXX, my loan was modified and I made my first payment XX/XX/XXXX for XX/XX/XXXX payment. I paid XX/XX/XXXX payment of XX/XX/XXXX and have made every payment since then. With an IDPROTECT representative on the line with me ; XXXX XXXX XXXX, at XXXX, said my XXXX XXXX and XXXX XXXX Payments got " wrapped up in the loan modification '' and were not applied to XX/XX/XXXX or XX/XX/XXXX even though I signed the loan modification papers in XX/XX/XXXX and the Loan modification was official XX/XX/XXXX. This is why they are showing me past due in error. We are in need of a new car and this error is seriously affecting my credit score and my ability to obtain credit and other financial services. We have been battling this inaccuracy since XX/XX/XXXX when we started receiving collection calls that we were past due and I kept telling them we are not and provided proof. All the representatives that I have spoken with, Including XXXX XXXX today, have agreed I have paid all my payments on time and that there is an error in their system. Yet, it still does n't get fixed and I am being punished and damaged with bad credit reporting. I feel I am left with no choice but to seek legal action and sue for damages to recover my losses.
Product: Mortgage

There was a major tornado in XXXX Ohio on XX/XX/XXXX. My husband and I have a mortgage through Roundpoint Loan Services. We had a fire in our home in XXXX, a flood in XXXX and our homeowner insurance dropped us. We were not insured so the mortgage company placed forced insurance. 
We filed a claim and the forced placed insurance issued a claim for {$83000.00} to the mortgage company for repairs with {$10000.00} for recoverables. Our mortgage owed, not payoff was around {$93000.00} give or take. Our XXXX square foot home is a total loss. We have verbal quotes around {$200000.00} to fix and every contractor states easier to tear down and rebuild than to fix. 
I requested that Roundpoint uses the funds received to payoff the loan and eat the {$15000.00} since they under insured the forced placed coverage AND the property has PMI coverage, they will get their money but I dont feel we have to pay {$15000.00} because they under insured their forced placed coverage that we paid for. They called and told us no they will not use the funds to pay off the mortgage and has started sending foreclosure documents. Also we are actively seeking help from XXXX and the XXXX however this has been a slow process. 
Now the home is full of XXXX mold, they didnt tarp the home when we called the mortgage company. We called countless times asking for their insurance to help and our home is in worse shape. There should be no issue with them using the money in the escrow/ suspense account, pay off the loan while we are trying to get help with a loan to repair with the XXXX XXXX They are tearing up my credit by not using the funds to pay off the loan and I do not understand why my loan can not be paid off. Any assistance would be helpful
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase mortgage company is reporting account incorrectly. The account info ... mortgage number and balance is inaccurate, and the status is showing 120 plus days late. Someone else 's account. My mortgage was always current and is now paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft due to the XXXX data breach KAY JEWELERS - {$1000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX - {$830.00} - XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This is in regard to Ally Bank. 

My partner and I moved back from XXXX, XXXX to the US ( Friday XX/XX/2023 ) and we were looking for a home to rent. We found one and signed the contract ( Friday XX/XX/2023 ), which required us to wire funds to the listing agent 's company ( first months rent of {$4100.00} ) and the new landlord ( security deposit {$4100.00}, last months rent of {$4100.00}, and a pet deposit of {$1500.00} for a total of {$9800.00} ) within two business days. We then initiated the wire from our Ally savings account early that afternoon ( between XXXXXXXX XXXX and XXXXXXXX XXXX ) Ally allowed the first wire but then denied the second. Ally sent me an email to " Call [ them ] to verify some information. '' I called Ally, verified everything they asked ( SS #, name, phone number, both security questions ), and then they said the account was under review and they locked us out of our only savings account. I asked to speak with a supervisor to explain the situation further and said I could send over anything they needed to verify I am who I am ( e.g., video of myself + SS card, driver 's license, passport, contract of new lease, etc. ) Ally said none of that mattered and there was no way they could unlock my account as the process was now going through its motions which would take weeks, but said I can leave a message for the supervisor to call me back within 24-48 hours ( XXXX ). I called again after 40 hours ( Sunday XX/XX/2023 ), asking if I was to receive a call back and the women I spoke to said it's unlikely as supervisors don't work weekends (? ). I informed Ally of the urgency of this request and how us having a place to live was at stake- they said that didn't matter. 

We have been treated in such a cold and un-empathetic manner. Every time I speak with a representative their top concern comes across as getting me off the phone. This bank has verified all of our information and they are more concerned with protecting themselves from a potential < $ XXXX fraudulent wire ( which it isn't ) than having their 4+ yr member go without a home. In our most stressful moments, Ally Bank has proven their unwillingness to look after their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I o  btained my Transunion credit report on line. There were U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
The County Recorder of Deeds and the Bankruptcy Courts have also reviewed the Public Record section youre your Transunion Credit Bureau. They both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
The Transunion Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).       See document attached from the courts.     Transunion File #  XXXX   XXXX   XXXX   XXXX  Little  XXXX   XXXX   XXXX , GA  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax approximately 5 times regarding a collection account from Outsource Receivables because of inaccurate information that is being reported about me. Outsource Receivables has not been able to validate the debt because I do not have a contractual obligation with them to pay any such debt. Equifax has allowed this credit file to remain on my file despite the lack of debt validation. Also, there is no " date of XXXX delinquency '' being reported by Outsource Receivables. I complained to Equifax on XX/XX/21 that this field can not be blank. Rather than removing an ill reported collection file, Equifax chose to make a notation on the account in paragraph form making my file " appear '' as though the reported " date of 1st delinquency '' matches the date that the collection agency reported the account to Equifax. Not furnishing a date of 1st delinquency will force the account to be reportable into infinity. It is against the law to report negative information into infinity. The date of 1st delinquency field can not be blank. I don't feel that Equifax truly reaches out to the date furnisher for their information. They just modify the account the way they see fit which is against the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I was notified by email from XXXX that someone opened a credit card with my social security number with Bank of America.
Product: Vehicle loan or lease

Since XX/XX/XXXX last night of XXXX Westlake financial has been charging me an interest rate of 24.49 %. this is illegal in the state of Florida it's illegal to charge annually over 18 %. So they have been overcharging me 6.49 % interest rate for a year now. I told him I refuse to pay them any more payments until they fix the issue because they're saying I'm late on payments when in all actuality the law states if a finance company overcharges the customer they are required to pay back the interest charges and they forfeit any future interest charges the customer me is only required to pay the principal loan amount. The reporting that my payments are late my next two payments or last two payments are not late because they owe me money as of right now they can apply the money that they overcharged me and interest to the two payments apply to my loan I'm not giving them more money when they're illegally overcharging me and it seems like they're getting away with it
Product: Checking or savings account

I noticed some unauthorized charges appear on my bank account, I checked my wallet and noticed my card was still in my possession but these charges were made online, with my regions card. I also had credit cards that were stolen from my wallet. I immediately alerted the bank and tried to dispute these charges. After a couple days I received an email saying that they had completed their investigation and would not honor my request of refunding me my money. I did not receive any explanation as to how they determined this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon : My name is XXXX. XXXX XXXX XXXX, and since XXXX, I have consistently disputing two payday loans taken out in my name. After years of being turned down for mortgages and credit, I have finally given in and paid one of the payday loans off. However, one credit bureau improved my credit and wiped the slate clean of BOTH delinquent accounts, while the other two refuse to remove the PAID IN FULL account with clear proof from the agency with a letter. I have suffered enough as an XXXX who can not afford to even apply over and over to be denied a home because of fraudulent and inaccurate information. Then, when I put in for a dispute, magically the amount of the account goes up by a dollar and causes my credit score to decrease XXXX points each month. I want not only to have these issues rectified, but I want my credit score to go back to the XXXX it was in XXXX of this year or better because I am debt free except the college loans that remain as I am in XXXX XXXX working on my XXXX XXXX  know my rights, and under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), I could be owed damages for unfair practices.
Product: Debt collection

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 )
Product: Money transfer, virtual currency, or money service

Subject : Complaint Against Square , Inc. for Withholding Funds and Business Loss To Whom It May Concern, I am filing this complaint against Square , Inc. for withholding {$2700.00} from my merchant account, causing significant harm to my small business, XXXX XXXX XXXX. As both the merchant and customer for these transactions, the withheld funds are tied to a closed account. XXXXXXXX XXXX  actions directly led to the loss of a {$7000.00} contract, as I could not fulfill payroll obligations without access to these funds. 

XXXX XXXX Account XXXX : XXXX initially verified my identity and business during account setup but later flagged my account as high-risk and closed it after requesting re-verification. This re-verification was unnecessary, as my information had already been approved. 

Withheld Funds : The {$2700.00}, including fees and taxes, can not be returned to the original XXXX XXXX account, as it is closed. XXXX must transfer the funds to the external bank account linked to my XXXX account. 

Customer Service Failures : Square representatives were unhelpful, rude, and failed to respond to my email with documentation proving I was both the merchant and customer for all transactions. 


Legal Considerations XXXX XXXX  XXXX XXXX XXXX XXXX : This statute prohibits deceptive business practices. XXXXXXXX XXXX lack of transparency and failure to provide clear communication regarding the withholding of funds may constitute a violation of this law. 

Uniform Commercial Code ( XXXX ) Article XXXX : Governing funds transfers, this article outlines the rights and obligations of parties involved in electronic funds transfers. XXXXXXXX XXXX withholding of my funds without proper justification may violate these provisions. 


XXXXXXXX XXXX  lack of transparency and mishandling of this issue has caused financial and operational harm. I urge the XXXX to investigate and hold them accountable. 

The funds being held are my own funds for my own debit card they're indicating that they are unable to release it because it could be disputed I am the merchant and the customer Thank you for your attention. Supporting documents are attached for review. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Phone : XXXX
Product: Checking or savings account

I had a debit card transaction on XX/XX/XXXX that posted on XX/XX/XXXX that I am disputing for {$290.00}. This was for a service I never received, but SunTrust is not issuing a provisional credit after 10 business days. I have contacted SunTrust twice about this. First time they said after 10 business days they would issue a provisional credit. Today they are stating that they do not issue provisional credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose.
Product: Mortgage

My Mortgage Contract states that I have the right to request Primary Mortgage Insurance ( PMI ) be eliminated once the principal balance is XXXX scheduled to reach 80 % of the original value of the property ( the lesser of the contract sales price or the appraised value of the property ). Ocwen Loan Servicing , LLC who is currently servicing my mortgage, has also provided written documentation ( see attached copy ) that once my principal balance reached 80 % l can eliminate the PMI. As of XXXX XXXX, 2015, my mortgage principal balance will hit the trigger of being below 80 % ( 79.9 % ) as the attached supporting documents detail. Ocwen Loan Servicing , LLC has XXXX denied the elimination of PMI and is now stating an arbitrary percentage of 75 % loan to value must now be met. This is in sharp contrast to the written Mortgage Contract and contrary to Ocwen 's own stated provisions. 
Property Value : Contract Purchase Price - {$430000.00} Appraisal from Licensed NJ Appraiser dated XXXX XXXX/XXXX/2015 - {$430000.00} 80 % of lesser of Purchase or Appraisal ( {$430000.00} x 80 % ) - {$340000.00} Principal Balance of Mortgage after XXXX XXXX, 2015 Mortgage Payment - {$340000.00} Loan to Value percentage after XXXX XXXX, 2015 - 79.91 % Since my principal mortgage balance is below 80 % of the property value according to Ocwen 's own requirements, there should be no question that PMI should be eliminated after XXXX XXXX, 2015. 
I have documented this and sent XXXX letters and E-mails to Ocwen and all have been outright denied, even after I complied fully with all requests from Ocwen, even obtaining a current Appraisal from a Licensed and certified appraiser at my own cost. Your assistance in this matter is greatly appreciated as Ocwen does not provide telephone numbers to reach anyone at their Headquarters facility to discuss directly any issues/concerns. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX  and XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX  and XXXX  are reporting inaccurate information on ERC ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

I just found out about this settlement offer. But my account was with BOA in the late XXXX and early XXXX. The bank would process my bank drafts in the order of largest to smallest transaction no matter what the dates on the check or debits the account came in. Some times totaling more than XXXX XXXX in overdraft fees. This happened many times over the years and complained multiple times the transaction orders were not correct and would hold my check hostage and take the fees out before I could process any other transactions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a purchase for a toilet from home depot for a toilet totaling {$370.00} including installation and shipping fee. However, the toilet was never delivered. I made XXXX XXXX aware of this and they had started a refund for me. They initiated the refund in XXXX payments, the first for {$130.00} and I received this on XX/XX/XXXX, the second payment was {$170.00} on XXXX XXXX that I never received, and the third was for {$59.00} and I received this on XXXX XXXX. All three receipts are attached. The purchase was made online through my paypal account that is connected to my credit card with XXXX. Since then, I've tried contacting both XXXX and XXXX of which both deny knowing where the money is. They refuse to help me any further and made me liable for a toilet that I've never seen. I'm a struggling student trying to make ends meet and I saved for along time to have enough for this purchase. I now have {$170.00} disappear into thin air because they somehow lost my money through their online process. I wish there was something we as consumers could do to protect ourselves from companies that use these receipts to basically deny us of any claim.
Product: Debt collection

Ive sent validation letters to this company and I received no response. Theyre ruining my credit & its affecting my life. Theyre violating The Fair Credit Reporting Act, 15 U.S.C .
Product: Debt collection

A debt collection company named LVNV Funding LLC sued me in court. Before court I sent a written request asking for a signed contract. I never received a signed contract. We went to court on XX/XX/2021. I told the judge I asked for a signed contract and I never received it. Consumers have rights. This is the second company that the debt was sold too. I didnt authorize them to purchase the debt and my personal information. The judge ruled in the debt collector favor but Im going to appeal. They didnt have the correct address in court. Its illegal for a collection agency to buy debt and come after the consumer. I need a signed contract.