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

XXXX  XXXX failed to precise proof of contract or an application with my signature for service. 
They have my credit and use it from time to time it seems once a year Ive contacted each company thats using they service and they all fail to produce proof of this action and declined use of my ssn more then once in complete violation of fair credit reporting act 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.
Product: Debt collection

Back in XX/XX/XXXX I noticed a collection on my credit report, I sent a debt validation request to Americollect at XXXX XXXX XXXX XXXX XXXX, WI. XXXX on XX/XX/XXXX and was received by collection agency on XX/XX/XXXX. XXXX. They did not validate the debt, instead they sent me a bill. That is not validation of a debt. Thats why I want to file a report. They are still reporting this on all XXXX credit bureaus. There violating my consumer rights. So Im requesting help to get this issue resolved. Also I sent them a second debt validation letter on XX/XX/XXXX and was delivered on XX/XX/XXXX. They still haven done anything to resolve the problem. Im attaching all documents that Ive sent Americollect.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The XXXX XXXX, calls me at least 3 times a day to tell me my payments are behind, the last time I spoke with them I told them I don't have lots of time during the day to discuss this and I would like to be granted access to view my account history or payment history or either emailed or mailed the payment history to compare what they have to my bill pay history. I always use bill pay through my bank to make payments, they refused to provide me with access or written proof of my payment history and rudely told me I needed to start making my payments via XXXX XXXX or XXXX XXXX  or they would always report my payment as late regardless of when it is received, the representative told me for their company the received is when they begin processing the payment not what is on the check from your bank sent via bill pay. They have since that conversation began reporting to the credit bureau 's late payments of. 30 and 60 days, those reports have drastically effected my credit score. They refused to reply to any of my emails or letters.
Product: Credit card

I presently have a credit card with XXXX XXXX in XXXX, Kansas at a fixed rate of 6.90 %. XXXX is no longer going to service the card, but instead is having the card serviced by Elan. I received a letter with the following clarification statement : " Will my interest rate change? 
No, your current rates and terms will transfer to your new account. '' Today I received a letter from Elan stating that the rate would be a 6.90 % variable rate. I have contacted both XXXX and Elan and both state that they can not do anything about that rate change. 
As there are a significant number of cardholders impacted by this change, and many will likely have similar rates, this is going to have a negative impact on a large number of consumers.
Product: Credit reporting or other personal consumer reports

Your company is in violation of the FCRA and XXXX Compliance And reporting violation. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i )
Product: Checking or savings account

I received an alert from XXXX that a checking account was opened in my name through Bank of America. I contacted Bank of America and they closed the account, but they advised me to put a complaint in with the FTC to help with tracking of these incidents.
Product: Mortgage

I have been trying to resolve this matter with a loan modification or other loss mitigation options. I submitted a loan modification package and have n't received a response as yet. My home was tied up from a divorce matter and my initial hardship came from an illness that left me physically incapacitated for awhile. I was unemployed for some time as well. I have recovered and can workout this matter. 
In XXXX, my home was damaged significantly from Hurricane Irma and I have a pending Insurance claim that my lender is aware of and I 'm not able to have fair, due process if there 's a pending foreclosure sale date. I also have a pending FEMA application open. I want to resolve my situation, but there are so many inaccuracies with the accounting and even escrow balance/transaction history on my account. I sent out a Qualified Written Request letter and have n't received a response as yet. Their attorneys are n't forthright and I 'm fighting several battles that could be resolved if I can have my lender actively involved with the resolutions. Instead their attorneys are making claims that there is no insurance or FEMA claim open and it was closed out in XXXX-when this is n't true. 
I 'm also fighting against the attorney 's unscrupulous tactics to close a file. This is my homestead. If I could gt the lender involved to engage in the workout/mitigation process then I am sure, we can have a mutual resolve. When there 's a constant sale date rescheduled every 30 days, it 's impossible to have the lender review my paperwork because of their internal procedures and timeline required for the State of Florida.
Product: Credit card

XXXX XXXX {$650.00} XXXX Hold {$100.00} XXXX. XXXX {$86.00} As I looked at my account these transactions was not authorized by me. I have canceled my card soon as I have recognized these charges. I am making a dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a certified letter to LexisNexis Consumer Reporting agency. The letter included my personal dispute with the bankruptcy information that they are reporting. Included with my personal dispute, was a letter from the US Bankruptcy Court of Northern Illinois. The letter states the US Bankruptcy Court of Northern Illinois, does not report any information to any consumer reporting agencies or any consumer monitoring companies. I submitted these findings to LexisNexis, and they sent me a letter stating that they verified the information that they are reporting as accurate. This is a violation of my consumer rights and a violation of the Fair Credit Reporting Act
Product: Student loan

On XX/XX/XXXX, I filed a short-term forbearance request with Nelnet, my loan service provider. I received an auto-confirmation on the same day that the forbearance was filed and it would take XXXX business days for approval. At that time, on XX/XX/XXXX, I had not been enrolled in their auto-debit system nor did I receive any notification that I would be enrolled. On XX/XX/XXXX, I was granted the forbearance for each of my loans for XXXX months, with payments resuming in XX/XX/XXXX. However, on Friday, XX/XX/XXXX, I checked my online banking account to find that a loan payment had still been taken out. As a result, I logged on to my Nelnet account to find that I had been enrolled in their auto-debit program without my consent nor notice provided. Once seeing this, I unenrolled myself from their auto debit and received an auto confirmation from Nelnet, via email, that this was done. On Sunday, XX/XX/XXXX, I called XXXX, my bank, to file a dispute and provided all the information to the customer representative. On that same day, I sent a complaint, via email, to Nelnet regarding this issue. On XX/XX/XXXX, I sent XXXX 's dispute center each of my loan forbearance notices as well as the email confirming I had unenrolled from their auto debit program. On XX/XX/XXXX, I received a reply back from Nelnet encouraging me to call as the matter may be too " complicated '' to discuss via email. I attempted to call twice on Tuesday, XX/XX/XXXX and received wait time estimates of up to XXXX minutes. Because I work full time, I am unable to wait this long to speak with a representative. On Wednesday, XX/XX/XXXX, XXXX denied my dispute citing the fact that I did not make it within XXXX hours. XXXX did not address my enrollment into Nelnet 's auto-debit program without my consent nor did they address the fact that my forbearance was in effect when the transaction was made. XXXX told me that I need to address this with the merchant, i.e. Nelnet, if I want to any further discussion on this matter ; however, due to my inability to get a customer service representative on the phone at Nelnet, this is not possible.
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. 

XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Product: Checking or savings account

bank of america decieed to close my checking account and did nit notify me at all by phone, email, text message So i went to branch and they told me my mother might of closed it ut that wasnt the case i went agian to a different branch and was told its stilll pending and it was closed due o misabuse so i dont no how long i have to wait for my remaining funds but can access my funds until its finalize close and they said i will recieve a check but i have bills to pay and its affecting my livelyhood ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX Sunday, XX/XX/XXXXXXXX  Federal Trade Commission Consumer Response Center XXXX XXXX XXXX , XXXX XXXX , DC XXXX Re : Incorrect Listing of XXXX  XXXX Bankruptcy on Credit Report Dear Sir/Madam , I am writing to formally request the removal of an inaccurate XXXX  XXXX Bankruptcy listing from my credit report. 

According to my personal records and as confirmed by the USBK Court XXXX California, my bankruptcy was dismissed in XXXX of XXXX. Here are the relevant details of the court : USBK Court XXXX California XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Upon realizing the complications of my financial situation, I consulted my legal representative and decided not to proceed with the bankruptcy. He subsequently dismissed the filing, for which I was billed. However, to my surprise, this bankruptcy still reflects on my credit report, even after its dismissal over five years ago. 

The implications of this error are significant. Im XXXX XXXX XXXX fXXXX and just recently, while trying to secure rental accommodations alongside my son, I became keenly aware of how this incorrect listing is hampering my ability to secure credit at reasonable terms. It is adversely affecting my credit score, undermining my financial reputation, and creating undue challenges in my personal and professional endeavors. 

I kindly request your assistance in investigating and rectifying this matter as a matter of urgency. I am more than willing to provide any documentation or additional information you may need to expedite the process. The correction of this error is paramount to ensuring the accuracy and fairness of my credit report, which is integral to many aspects of my life. 

I look forward to a prompt resolution of this matter and thank you in advance for your attention to this serious issue. 

Please feel free to contact me at XXXX should you need further information. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX and XXXX and also transunion a detailed police report to make them aware I was a Id theft victim for XXXX XXXXXXXX and XXXX XXXX  XXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back XXXX failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX several times I have 2 accounts showing as duplicate account and affecting twice. the original accounts are being disputed every possible way and I will continue disputing for as long as I see it on my report indecently until it goes away. They just don't care and give a XXXX XXXX about what's on your report. The XXXX*** accounts appears twice. So XXXX*** do your job and fix it.
Product: Credit card or prepaid card

J.P. Morgan Chase Bank has improperly used and accessed my XXXX XXXX XXXX reports- They took less than 3 days to send denial letters in the mail & hit my account with over 7 inquiries within a 10 day period They deny that they have discriminated against me as an applicant & " uphold their actions '' and completely inappropriate behavior of abusing my credit reports given they had pulled my files in XXXX & told me to reapply from XX/XX/XXXX to XX/XX/XXXX I was disrespected over the phone initially about this issue by a " XXXX '' & again by a XXXX XXXX XXXX within these 5 days I have been declined for any type of card for absolutely no reason other than having a good credit score, decent amount of revolving tradelines & I believe based on the color of my skin. Audio recordings for quality training purposes were obtained & I was spoken down to, as if I had XXXX XXXX XXXX Peasant Insurance XX/XX/XXXX I was told to reapply again by the executive relations office after unlocking my XXXX report which was what I was told was requested by JPMCB- I had my XXXX pulled that day & as well as on XX/XX/XXXX - JPMCB denies wrongdoing I have spoken to " XXXX '' who appeared to be concerned about my case in particular however after lodging a complaint on XX/XX/XXXX & following up continually it is known that JPMCB is not taking this type of corporate culture related abuse seriously
Product: Mortgage

Hi! I do not need help solving an ongoing issue personally but feel this needs to be reported for benefit of other consumers. This lender participates in some misleading/deceptive practices, and in my interaction with them had the following occur : 1. Attempted to compel me to pay an " advance application fee '' before agreeing to terms of the loan. The fee was ( intentionally? ) mislabeled as an " Appraisal Fee '' in the process menu but the document itself and corresponding content made it clear it was an advance application junk fee. 

2. I was sent a preliminary estimate but the terms were subject to change at any time. The lender made no effort to clarify whether or not the rate and terms were locked or if they would change after paying the advance fee. 

3. The company 's agent made no effort to explain the fundamental mortgage loan aspects, such as changing rates, rate locks, closing cost overview etc before asking for the advance fee. 

4. Hides fees so that in effect the actual terms are higher than those advertised online. 

5. The company did not respond to me when I reported these concerns via phone or email. I suspect they are well aware of the nature of their process. 

6. I see this company has a previous judgement for similar behavior and suspect they are straddling the lines of legality at best and have likely crossed them several times advertently or inadvertently.
Product: Debt collection

In XX/XX/2018, XXXX XXXX address received a bill from a Payroll service ADP for a fraudulent business. The business had the name XXXX XXXX, XXXX XXXX at my address of XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX. I immediately contacted ADP in XXXX of 2018 and told them to close the account ; it was fraudulent and at no time was there ever a business at my residential address of XXXX XXXX XXXX XXXX XXXX, XXXX Pa. It was very difficult to explain to them about the fraud and they gave me to customer service, and eventually their fraud department department. I talked to XXXX, their security person, and she assured me that the fraud business account would be closed after they did their investigation. The FBI agent XXXX XXXX and IRS Agent XXXX were also involved because of fraudulent EIN numbers. Finally in XXXX of 2018 we received a letter from ADP Fraud division that the account was closed. Just one month ago I started receiving letters from a collection agency in Louisiana to pay {$3800.00} for the XXXX XXXX XXXX XXXX company at my residential address. We are being continually harassed by ADP 's collection agency even after we sent them a letter regarding ADP and the online fraud it caused by not identifying a legitimate company. I am approaching XXXX years of age and can not believe the brashness and lack of responsibility of these companies. Thanks for letting me vent and contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on three previous occasions requested copies of the information you used to authenticate the claims of debt against me certified received on XX/XX/XXXX, XX/XX/XXXX and a third attempt was made on XX/XX/XXXX proof is attached. 

Pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681g ( a ), I have a right to copies of all of the documents and information that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. If you are unable to provide validation, verifiable proof such as signed contracts or agreements within 30 days of receiving the first certified letter which was received on XX/XX/XXXX you must remove the unverifiable and incorrect information To assist you as best I can, I have again enclosed a copy of my drivers license and passport as proof of my identity and below the accounts in question. 



Company Account Balance Company Account Balance XXXX XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$500.00} XXXX  XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXX {$500.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} XXXX XXXX XXXX {$20000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Your immediate attention to this matter is greatly appreciated. Upon correction please provide me with an updated copy of my report. 


Regards, XXXX XXXX
Product: Mortgage

There was a miscalculation on my account by the mortgage company therefore my mortgage went up. When I called to ask about payment the amount off therefore my mortgage payment wouldnt increase monthly they informed me of how to pay it however it would not allow me to pay it separately from the monthly payment. When I asked about making partial payments to assist me with managing my monthly finances they told me that it was not possible. Also informed me that the partial payment that I was sending on XXXX23 would be returned or held and not applied to my account. I am just trying to budget and set up my payments to make life less stressful with me as this is a new experience for me and my family and it has made me feel the decision was the wrong one to make. I do not remember the supervisor who called me back but she was not at all helpful nor did she care as to what I was asking. I feel she only called because my concern was placed on her desk and it had to be done since she is on shift at the time. This is very frustrating and I feel should not be allowed. 

My loan was purchased or sold to Essex from XXXX XXXXXXXX XXXX and the supervisor informed me that they follow the same terms therefore in the document it says that if I have a concern or experience any challenges to contact them immediately for options and this is what I am attempting to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry on credit report, company should have placed soft hit not hard, I did not recieve credit from this company