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

INVESTIGATION RESULTS - VERIFIED AS ACCURATE The disputed item was verified as accurate. 
CREDIT BUREAU SERVICES # : XXXX XXXX  XXXX XXXX , XXXX XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : >PAID COLLECTION< I had made {$100.00} payments per month and more when available. on XX/XX/XXXX I made the finale payment of {$880.00} with confirmation # XXXX. the whole time I was making the payment I was under the assumption from Credit Bureau Services that this would be marked for deletion off of my credit report once paid in full. on the day that I had made the finale payment I had called to make sure that that was still the case. I was then informed that once it hits my credit report as paid in full that I would then need to file a dispute with XXXX XXXX to have it deleted off of my credit report. I filed this dispute on XX/XX/XXXX and got the above report back today XX/XX/XXXX. I then called XXXX XXXX and asked why it was not deleted as I was informed from Credit Bureau Services that was the way to do so. XXXX XXXX informed me that they do not do the deletion and that Credit Bureau has to do the deletion. I then called Credit Bureau and they said they don't do the deletion on accounts as they only report paid and not paid to XXXX XXXX. This is very frustrating for me since neither one seems to know what is going on or how to handle this and I was lied to through this whole process of paying the amount back and am trying to rebuild my credit score from this and start a family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX consumer credit bureaus. I would like the following fraudulent accounts and inquiries removed from my credit report immediately. 

XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry XXXX XX/XX/XXXX 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 an account without my handwritten instructions.
Product: Debt collection

wages are garnished as of XX/XX/2015. was not aware until that day. contacted employer and they sent me the court order. all conversations are recorded.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate things on my credit report til this day over 60 days later. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that a failure to investigate these items with 30 days give a reason to immediately remove those item from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress you cause me. My information was also impacted by XXXX and Experian data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

XX/XX/21 - my chime bank account was fraudulently charged more that {$500.00} in charges at an XXXX in XXXX. I called bank right away and informed them the charges we not mine and they automatically deactivated the debit card and issued a new one stating that they could not dispute the charges until they had actually posted onto my account instead of just in the pending status. They assured me that they would do everything they could to help me and I transferred out what little bit of money I had from my spending account into my chime credit builder account which was {$380.00}. I changed my passwords and everything I could to try to protect my account once more. 
XX/XX/21 - I receive a email from Chime saying that they have closed all of my accounts and no reason why besides they didnt like the activity that was on my account. I tried calling the one 800 service number and the service number said since my account was closed I had to email chain support. Email try support and Chime support said I need to call the one 800 number. I emailed back and said I couldnt call the number because I couldnt past the your account is closed please email XXXX I tried hitting all kinds of other prompts but I still got the same response. I emailed the child support back back-and-forth for five times asking them to please call me I wanted to know where my money was why my account was closed and what was going on with the fraudulent charges I need to be reimbursed for those those were not my doing. 
The very last email I got stated Thanks for reaching out to Chime Member Services. XXXX here again, I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. 

Please let me know if I can assist you with anything else. 

Thanks, Chime Member Services And I can not get a response since then so not only did chime close my accounts they also have all of my money and wont communicate with me about it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX XXXX XXXXXXXX at XXXX In accordance with fair credit reporting and XXXX  account XXXXXXXX XXXX XXXX XXXXXXXX at XXXX as violated my right. 
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 furnished an account my written instructions. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with fair credit reporting and XXXX  account XXXX XXXX XXXX XXXXXXXX at XXXX as violated my right. 
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 furnished an account my written instructions.
Product: Debt collection

I am disputing the validity of a debt being reported and collected as I do not owe it or have knowledge of its origin. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I have the right to dispute this debt and demand validation. Specifically : 1. 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection efforts until they validate the debt by providing documentation proving the debt is legitimate, the amount is accurate, and I am responsible for it.

2. 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of a debt is prohibited. Without proper validation, attempting to collect this debt is a violation of federal law.

3. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 : Furnishers of credit information are required to report accurate information. Reporting or attempting to collect a false debt violates this law. 

I request that the CFPB investigate this matter and hold the collector accountable for compliance with federal laws. Any attempts to collect or report an invalid debt without sufficient documentation are unlawful.
Product: Mortgage

Seterus will not send me a monthly statement on our Mortgage despite several phone calls. 
I have also asked them to fax statement and they state that they can not send to e fax. 
I can not access information online. I have sent a letter requesting statement and received a non responsive answer to my request. 
I need monthly statement for another Bank ( XXXX ) that I am trying to work out a loan modification on. They will not move forward on my modification until I obtain Seterus 's statement.
Product: Credit reporting or other personal consumer reports

This account should not be reporting on my consumer report it as I am a victim of identity theft I have never had an account with this company and do not owe this debt. I am a victim from the XXXX XXXX XXXX and have had my identity/information breached and stolen I have a settlement administrative helping me recover from the Breach and has had help from the IRS. Also you are in violation of the reporting status as well by showing alleged account number with the letter x's.Also for reporting a closed account that's in collections as open and not providing the alleged monthly payments.Also by law no closed account in collections by law can not be reported as a late payment. There are multiple violations being reported here on this fraudulent account violating my consumer rights for multiple reasons. This account should not be furnished on my consumer report as they are in violation!!! Per U.S code 1681 b permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a PROTECTED consumer. NO CONSENT IS IDENTITY THEFT. 15 USC 1681 section 602 ( a ) states I have the rights to privacy and again 15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account without my written instructions As a consumer I am demanding the deletion of the account listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX Account XXXX 15U.S code 1681 c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than 4 business days after the date of receipt. PLEASE DELETE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following item ( s ) has violated my rights : 1 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 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
Product: Credit reporting or other personal consumer reports

I am having identity fraud an someone is using my info to apply for credit cards loans cars and more they have put 24 hard inquiries on my credit report took out 2 loans an phone accounts. They have changed my passwords to hack emails and changed phone numbers putting a bunch of notes in my credit report. Ruined my credit I was fixing an had almost a XXXX score and rebuilding on XXXX now it's XXXX I need help no one is helping fix this an now using my government account I don't know the phone number an email passwords to the accounts because I have been hacked how do I fix this an change my account with all proper information and rid the incorrect information on my report do to fraud I have dispute over an over they even stolen my XXXX account information but XXXX won't shut the fraud account down an XXXX XXXX was hacked and they wasted about 5 hours an still can't access it please help getting back in my accounts an rid inquirys 24 fraud an repeated attempts for same credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian twice in the past & I filed a complaint XXXX XXXX and told them that XXXX  is a FRAUD account and needs to be delete from my credit report. I have not received anything from this company or give them permission to access my credit report. There are inquries that I didn't give permission to have reviewed my credit either for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX. Please delete this FRAUD information. I have sent a copy of my ID and everything I feel that this is not right and against the law to report information that you know is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern all of the following I never ever applied for. I have no knowledge of. Was never authored by me, Today 's date is XX/XX/XXXX. Over the past few months I have tried to get these this inaccurate on my credit report off my file. XXXX  - Card Service Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX XXXX Inquiry from XX/XX/XXXX, XXXX - XXXX XXXX  Inquiry from XX/XX/XXXX, XXXX/XXXX  XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX
Product: Mortgage

With Loan Depot, I had set up automatic payment and these payments were working. Then randomly they stopped doing automatic payments without notice. I missed two payments as a result. Once I realized I got current immediately and re-set up the auto payment. 

Once I got below 80 % loan to value, my PMI should have stopped, but they refused to stop it due to the loan payment issue. 

I had a literally perfect credit score, had mortgages since I was XXXX without missing a single payment or being late. Thats over 24 years of solid never missing payments and now they required me to pay more PMI. 

Its a total cost of {$270.00}, like them to refund this or else I will take them to court, but would like assistance pushing them to do the right thing and avoid court.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXXXXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$150.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$98.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$94.00} ), XXXX XXXX ( Origination Date : XX/XX/XXXX, Current Balance {$260.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were recently or previously reported on my credit report and are not my accounts. 
Bank of AmericaXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am filing this complaint against Lendbuzz Funding LLC for failure to provide proof of loan ownership, misleading contract language, and potential violations of the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1641 ( f ) ( 2 ) ). Their actions raise serious concerns regarding unauthorized collection practices, breach of contract, and failure to disclose essential ownership information as required by law.

1. Failure to Provide Proof of Loan Ownership ( Potential TILA Violation 15 U.S.C. 1641 ( f ) ( 2 ) ) - I submitted a written request to Lendbuzz requesting documentation of loan ownership.

- TILA ( 15 U.S.C. 1641 ( f ) ( 2 ) ) requires them to disclose the name, address, and contact information of the loan owner upon request.

- Lendbuzz failed to provide this information, which may constitute a violation of federal law.

2. Contradictions Regarding Loan Ownership and Collection of Payments - Lendbuzz is collecting payments from me while simultaneously claiming that the loan is owned by a wholly owned subsidiary. 

This raises serious concerns about : - Lendbuzzs legal standing to collect payments. If they do not own the loan, they must prove they have authorization to collect on behalf of the true owner. 
- Possible misrepresentation. If they lack legal authority, their collection actions may constitute fraudulent collection practices.

3. Failure to Maintain and Disclose Ownership Records ( Breach of Contract Section 19 of the Agreement ) The agreement designates Lendbuzz as the Registrar, responsible for maintaining a Register of ownership interests.

Lendbuzz refused to provide the Register, despite my request, violating their own contractual obligation.

4. Ambiguous and Misleading Contract Language - The agreement refers to the transaction as both a consumer credit transaction and a loan, creating confusion regarding my rights and obligations.

- This ambiguity affects transparency and enforceability of the agreement.

5. Conflict of Interest and Question of Standing -Lendbuzz asserts that the loan is owned by another entity but continues collecting payments, creating a potential conflict of interest.

- If they lack the legal authority to collect payments, this may violate federal debt collection laws.
Product: Mortgage

Last year on XX/XX/2023 I spoke to Loancare loss mitigation department after they determined there was an error by the trustee the instructed me to send a check to them for full and final settlement. The check was tendered to the loss mitigation department along with a written agreement that the loan was settled and payment was considered in full. The check was installed by someone in Loss mitigation next to the statement paid in full. To me this indicates that they acknowledged the check and cashed. if they rejected it they should have sent it back to me. however they cashed the check and then proceeded to still attempt to collect on the mortgage. Attempts to solve this with them directly has resulted in nothing but canned responses to even the simplest of inquiries. Now LoanCare refuses to release the lien on my mortgage and are wrongfully holding the title to my property.
Product: Mortgage

Over and over, Nationstar Mortgage fails to send me a monthly bill for my mortgage.  I repeatedly asked them by phone to send me a bill, and sometimes I will get a bill, but usually no bill will come. I think they intentionally want me to forget to make my monthly payment so they can collect the late fee.
Considering the how many times I have called them to ask for a bill and they have assured me one would be sent immediately but it never comes, it must be intentional.
I realize that it is my obligation to keep up with when a payment is due and I generally do, but it is also their obligation to bill me which they have repeatedly and flagrantly refused to do.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Account Status Original CreditoXXXX XXXX XXXX XXXX XXXXXXXX is not on my credit report This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX, XXXX. I do not have any contract with XXXX XXXX XXXX. 
XXXX is not reporting this According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to Assure Maximum Possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I received a letter from Consumer Portfolio stating they were willing to settle the debt for half of what they stated the balance was. If this is possible, why are they still reporting the entire balance of {$15000.00}. The letter stated I owed them {$8000.00}. The vehicle was paid on time for 3 years. Once I voluntarily surrendered it, they started reporting it late and waited 3 months to pick it up. I had a previous debt with XXXX which they stated I owed {$7000.00}, which they agreed to settle for {$700.00}. If one company can agree to take such a reduced offer, I am sure they all can. I know these companies rip off consumers with these high interest rates. After 3 years of paying {$680.00} a month, the money had paid for vehicle twice. These companies have insurance as well which pays them for default. This is why our Country is the dire shape it is in because of Corporate greed. Please help fix this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Remove unauthorized inquires on Experian Credit Report XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX