23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a long story that started with a Ch.  XXXX  BK in  XX/XX/XXXX . BK ended in   XX/XX/XXXX . My original mortgage was in  XX/XX/XXXX  just before collapse of r eal estate market with  XXXX . The mortgage moved to  XXXX , then to   XXXX   XXXX   XXXX  , then to  XXXX  and now with Shellpoint. the   XXXX   later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When   XXXX   transferred it to   XXXX   XXXX   XXXX  , they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In  XX/XX/XXXX . Yet, after BK was over and  XXXX  took over they kept claiming I owed anywhere from $  12K  to  $ 25K  in unpaid mortgages they couldnt quite get their numbers straight in  XX/XX/XXXX , they started cashing my checks electronically fr om  XX/XX/XXXX  whi ch somehow, I never got credit for, so when Shellpoint took over in   XX/XX/XXXX , t hey claimed I owed {$15.00} K approximately. even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XX/XX/XXXX . I do not get any statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owE over {$7000.00} since   XX/XX/XXXX  ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in  XX/XX/XXXX  due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it.. Every check I pay with I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink.
I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my {$15.00} K back or at least applied to principal.
During   XX/XX/XXXX   i did n't even get a  XXXX  Tax form credit of mortgage interest payments to use against my taxes ...
Product: Debt collection

A debt appeared on my credit report with no notification. When I contacted the company for verification they said they would send it. I did not receive anything. Then when I reached out again they said they would settle for 50 %. I explained that I had no idea where the debt came from and was told that I would receive a email. I still havent received anything from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Experian. I have attempted multiple times to dispute 14 late payments that appear on my credit report by XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I submitted dispute letters to Experian with copies of my XXXX and XXXX credit reports, showing the inaccuracies they were reporting. The other 2 bureaus showed exceptional payment history with no late payments for all of the XXXX accounts. 

Experian responded that they information they were reporting was correct. I then responded and asked them to provide the method in which they verified the information, they never responded. I spoke with a representative over the phone and submitted an dispute over the phone and explained the inaccuracies and they again came back that the information was verified accurate. I again requested the method of verification and Experian has deliberately not responded and have not corrected the accounts or mailed me the information I have requested from them as to how they verified the late payments. 

This has been going on for well over a year and Experian has not removed the late payments. How can 2 bureaus report the same information and Experian report something totally different, then refuse to correct what they have reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the employment data below be removed because XXXX XXXX XXXX Employer Code XXXX Employer Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Employer Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer Code XXXX Employer Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Employer Code XXXX Employer Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these employment data.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized use of my name and I noticed that the other information is incorrect
Product: Credit reporting

Experian has been delivered XXXX deletion requests XXXX, XXXX being with XXXX # XXXX for an improper collection. I 've also submitted documentation showing the previous lawsuit against the collector and outcome of them agreeing to delete. 

I was told the investigation department was going to contact me within 5 days. This did not happen. When I contacted Experian again 7 days later, I was told they had n't investigated this yet. I was also told I could not speak with a supervisor and was also given a non-working number to contact after the representative refused to assist further. 

Now, with proper documentation, a binding agreement to delete, and XXXX NUMBERS requesting deletion, it 's now clear that Experian is now ( and has been for some time as the first request was filed in XXXX 2015 XXXX violating the FDCPA 15 USC 1692e. 

The only logical recourse now is immediate deletion. If this is unacceptable, I have already spoken with my attorney and we will pursue action against Experian as this has cause both monetary and reputation damage to myself as well as an immense amount of emotional stress and difficulty.
Product: Credit reporting or other personal consumer reports

These problems with the reporting accounts started back in XX/XX/XXXX where I disputed these accounts with all XXXX credit bureaus. This led me to file a report regarding Identity Theft. I understand that TransUnion has not verified and validated information from disputed accounts. I am asking that all information in dispute be removed from my credit report. The bureaus have not removed the listed accounts or personal information, also under the 605 ( b ) FCRA the bureaus had only 4 days to correct these errors. These are the accounts previously disputed with TransUnion. 

XXXX XXXX Acct XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX  Acct XXXX Start XX/XX/XXXX {$930.00} XXXX XXXX XXXX Acct XXXX XXXX XXXXXX/XX/XXXX {$430.00} XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX {$910.00} XXXX XXXX XXXX XXXX Acct XXXX XX/XX/XXXX {$1400.00} XXXX Acct XXXX Start XX/XX/XXXX {$9600.00} Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

There are three attachments that should be reviewed here. 
1. Attached letter for hardship sent to servicer 2. Copy of conversation with servicer that shows something got approved on XXXX  3. Letter to CrossCountry Mortgage about issues with their servicing company XXXX and lack of transparency for loss mitigation, it's a black box.
Product: Credit card

I am supposed to be covered under XXXX credit card for travel cancellations if something happens. My uncle died and I cancelled my flight and sent them the documents they asked for ; they have done nothing except tell me they ca n't find the paperwork to now, we need more AFTER I left the country and now have no way of proving he 's my uncle, I provided the funeral paperwork I even sent them the cancellation emails from the travel agency it 's disgusting they are being fraudulent I would n't have bought the tickets with that card if they did n't cover it I could have got cheaper tickets and bought coverage elsewhere. What am I supposed to do ask my grieving aunt for her marriage certificate and then how do I prove she 's my aunt? It 's ridiculous and XXXX card benefits said I did n't need all of that??
Product: Credit reporting or other personal consumer reports

Dear CFPB and Equifax Regarding FCRA violation as it pertains to two XXXX XXXX  charge off accounts This is not a duplicate complaint and each issue is put on a new complaint because Equifax is failing to read the complaints 15 USC 1681 ( I ) 1 ( A ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Equifax failed to do a properly investigation on the two XXXX XXXX  charge off accounts. The account with the balance of {$520.00} has a different date of last activity that is inconsistent with the other credit reporting agencies and the balance of {$2400.00} has an entirely different year of birth that is different on the account with XXXX XXXX  than it is on my Equifax account On XX/XX/XXXX Equifax was asked to do an investigation on these two XXXX XXXX  charge offs due to inaccuracies. Because the inaccuracies remained a further investigation was requested of Equifax in XX/XX/XXXX however, the same inaccuracies remain. It was clear that they didnt do an investigation or they wouldve found these inaccuracies. 
In XX/XX/XXXX after a four hour hold to speak to an agent and investigation was conducted and it was found that no dispute was ever filed with Equifax for the XXXX XXXX  charge offs. This is a violation of USC 1681 ( I ) 1 ( 1 ) furthermore Equifax misrepresented that they had done an investigation when they had not. They claim that they checked the balance. I didnt need them to check the balance. I needed them to do a dispute.

I have wasted substantial amount of time trying to get Equifax to obey the law, but they have willful misconduct and not only did not do the investigation but instead lied about it Based on the above, I am demanding that the two XXXX XXXX  charges be deleted from my credit report immediately
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting 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 confidentially under 15 USC 1681. The account numbers reported to XXXX, Experian and XXXX are not the same for ( XXXX XXXX XXXX XXXX ) The account number listed for XXXX is # XXXX, Experian is # XXXX and XXXX is # XXXX, ( XXXX is different ) XXXX is listing a Collection Account for ( XXXX  ) in the amount of {$210.00}, this account ( XXXX  ) is not listed on XXXX or Experian. 

There is an account ( XXXX XXXX  ) listed on XXXX in the amount of {$180.00}, the address listed is XXXX XXXX XXXX XXXX, MA XXXX the reporting date is XX/XX/year>. This account is listed on XXXX as ( XXXX XXXX ) the address listed is XXXX XXXX XXXX. XXXX, MA XXXX, and the reporting date is XX/XX/year>, in the amount of {$180.00}, this account ( XXXX  XXXX ) or ( XXXX XXXX ) is not listed on Experian.
Product: Vehicle loan or lease

On XX/XX/XXXX, I took out an auto loan on a new vehicle with Santander Consumer USA. I was never given a written copy of my contract and the interest rate ended up being higher than what they initially offered. As it is, in the State of  California, the cap on auto loans is 10 % and I was paying 24.85 %. I was able to make all my payments on time until I lost my job as a result of the COVID-19 pandemic. Once that happened, they kept calling and harassing me up to 10 times a day, and regularly violated FDCPA ( Fair Debt Collection Practices Act XXXX rules. I complained on their XXXX page several times and instead of resolving the issue, they took it personally and blocked me from their XXXX page. I then repeatedly call customer service and I was on hold for several hours and once I was able to get a representative on the phone they repeatedly hung up on me. My loan was charged off as a bad debt on XX/XX/XXXX in the amount of {$22000.00} and I was never sent a right to cure notice or given any opportunity to make my loan current. Two months later, on XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX, again without receiving a right to cure notice from Santander Consumer USA 30 days prior. I inquired about payment deferrals and extensions and was never offered anything, nor was I sent anything in the mail stating their formal positions on the COVID-19 pandemic. I still havent received all the proper documentation after the repossession took place and as a result of their negligence during the worst global health crisis in history, I will be pursuing civil action to the fullest amount allowable, I am seeking the amount I was charged off on in the amount of {$22000.00}, redemption of my vehicle, and 10x the amount of the charge off in damages, in the amount of  {$220000.00}. I may seek further damages if necessary, and I may also pursue criminal charges as well for usury and wrongful repossession, given the fact that this company has put myself and my family in serious danger. I will also be contacting the news media and exposing this company at a time when people are the most vulnerable and many Americans are still financially struggling, especially being that unemployment benefits as a result of the pandemic are running out, businesses are still closed, and jobs are still not being created
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were posted to my credit report from the following companies that I did not make or authorize : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  XXXX  filed an eviction with an amount of {$4000.00} owed. The eviction was filed after I no longer lived there. I moved out of the apartment at the end of my lease in XX/XX/2018. I believe the eviction was filed in XXXX or XXXX. The debt is now held by National Credit Systems. 
Furthermore, I was not in any way notified of action being taken against me. I was unable to dispute the " eviction '' or amount they claimed I owed them. I did not know anything about this claim until a year later when I noticed it on my credit report. 

The money is not owed and I was not given a chance to dispute it or show evidence. I was not notified that any action was being taken.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( A ) ( 1 ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof.
Product: Checking or savings account

Fraud : Unauthorize person hacked in my 1st bank account and transfered {$2500.00} through XXXX. 

This happen on XX/XX/2020 1st Bank has open the dispute to try to recover the money, 1st Bank online department mention to me that it might take anywere between 10 to 90 days to solve this issuse. 

1st Bank manager was telling me that since someone hack my XXXX account they would probably not be able to refund the money. 

Bank has to resposible for this since I am using XXXX within the account. Even on XXXX website it says that in Fruad I am not resposinble for the unauthorize activities. 

I have to pay my bills and recoping that {$2500.00} fast is very important.
Product: Debt collection

On XXXX XXXX, XXXX I was evicted from my apartment at XXXX XXXX XXXX, XXXX, IL XXXX under Management of XXXX. I was given until XXXX/XXXX/XXXX to move out, and a judgement-XXXX was entered against me for {$1000.00}, which included attorney fees, and court cost. A sheriff notice was placed on my door on XXXX to move within 48 hrs before any sheriff came out I had moved out. On XXXX XXXX, XXXX, after finding another place I sent the landlord a notice regarding my deposit and when it will be refunded because it 's been over 45 days since the judgment. Instead XXXX XXXX XXXX, XXXX XXXX sent me ANOTHER bill-account XXXX which is separate from the judgment and is for rent for XXXX and XXXX, and some other charges that took my deposit. It totaled {$1600.00}. I disputed the bill on XXXX/XXXX/XXXX with XXXX XXXX XXXX, sending a certified letter to XXXX XXXX XXXX, XXXX XXXX, and their attorney and neither parties responded. Instead they sent the amount to the collection agency XXXX on XXXX/XXXX/XXXX. The collection notice did n't even give me a 30 day notice to dispute. Instead in a notice dated XXXX/XXXX/XXXX. They told me that they were reporting it to the credit bureau. I do not owe {$1600.00} this amount includes rent XXXX, XXXX and XXXX, XXXX that I was not made responsible to pay per court order, because I was evicted, and questionable charges that took my deposit of {$350.00} and the collection agency is not honoring the disputed letter sent to their client, XXXX XXXX XXXX, XXXX, nor did they send me a letter stating that I had 30 days to dispute the collection. I believe they have sent this to my credit report, I have n't received a copy of the credit reports yet. Please see documents.
Product: Credit card

My US Bank XXXX XXXX credit card offers 5 % cash back every quarter on categories that I choose. For the XXXX quarter of 2015, I choose electronics as XXXX of those categories and made a purchase in the amount of {$1900.00} at XXXX based on receiving 5 % cash back for this purchase. XXXX is specifically listed on the US Bank XXXX XXXX rewards site as " popular merchant in this category ''. On my recent statement, US Bank is only crediting me the standard 1 % cash back. Upon contacting US Bank, they explained that I was n't eligible for the additional 4 % because the merchant coded their transactions as Catalog Merchant rather than Electronics. While I understand that US Bank ca n't be held liable for how a random merchants codes their transaction, by listing them as an example of a merchant in that category, they are falsely implying that transactions with that merchant will receive the 5 % bonus ( despite the fine print that they ca n't guarantee a purchase will qualify for 5 % rebates ). US Bank has not done their due diligence to verify that their list of example merchants is accurate and as a result is deceiving their customers. This deception affected my purchasing decision. I would not have made this purchase without the promise of 5 % cash back and as a result have been injured in the amount of {$79.00} in lost rewards.
Product: Prepaid card

XXXX fraudulently opened a prime account and charged me for XXXX  years without my consent or knowledge. I contacted direct express immediately upon the discovery of the charges from XX/XX/XXXX to XX/XX/XXXX. XXXX fraudulently opened a prime account in my name using my bank card and charge me monthly. Direct express told me to deal with XXXX directly as the payment amount totaled over {$500.00}. I have fought with XXXX for XXXX years, trying to get a refund, which they agreed upon in XX/XX/XXXX up until the present time I have yet to receive my refund. So I went back to direct express and was told I had to file a dispute within XXXX  days which I tried to, but was directed back to XXXX to deal with. So I have upon proving that the charges were fraudulent and were made over the course of XXXX years and there were extenuating circumstances as to why the dispute was not made at the direct express within the 120 day period. I was denied my claim XXXX times they said it was because of the time window of XXXX  days. I called them immediately upon the discovery and was told to go and deal with XXXX who after XXXX years told me to deal with direct express who after months of fighting have now refused my claim so nobody has paid me the {$500.00} and changed that I am owed for XXXX years of charges that were fraudulently made against my direct express account. I proved extenuating circumstances my partner has been in and out of the hospital since XXXX and was in a terrible car accident in XXXX and I have been with her in and out of the hospital dozens of times and provided all of the claim paperwork. All of the charges were found in my statements and shown to be deducted from the account monthly, everything that the XXXX department needed was explained, proven and provided, including the extenuating circumstances of why the 120 day period has been lapsed. I have not received a refund from either company nor have I received any satisfactory conclusion or answers as to why I am not receiving my money back I would like my refund of {$500.00} from someone prefer preferably direct express as XXXX is now being sued by the FTC for this exact issue with millions of customers Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.