23daVinci/CFPB_Complaints huggingface dataset:
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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat
Product: Mortgage

Special Loan Servicing, my mortgage processing company, still after 7 months, has not corrected wrong late payment report on my credit bureaus records. This wrong report has been taking a big toll on my credit, my financial situation and my ability to get favorable rates on my revolving credit. 
I have been sending over 6 or 7 complaints regarding the abuses from Special Loan Servicing. Do I need to attach all my previous attachments proving that I started payment immediately after my forbearance ended. I never missed any payment and I never had any late payment. Still in my XXXX account it wrongly shows I have 1 30 day late, 1 60 day late and 4 90 day late payments. I never paid any payments late and I never missed any payments. Please help. I am sure I am not the only one complaining about Special Loan Servicing. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the Fair Credit Reporting Act by incorrectly reporting the XXXX XXXX partial account number XXXX - in the amount of {$4300.00} for two reasons. First this account is over 7 years old from the date of last activity, and Second - this account should have been XXXX out when it was transferred. ( Please see pages 3 and 4 of the attached credit report. ) This incorrect reporting is harming my credit score and this account needs to be either removed from my credit report, or corrected to reflect a {$0.00} balance.
Product: Credit reporting

XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score. XXXX IS CONTINUOUSLY RE-AGING THE ACCOUNT. THEY SHOULD BE FINED FOR THEIR ACTIONS PER FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : XXXX, XXXX, XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I was alerted by credit reporting agencies that there was a change to my credit report. I logged on to find that there was an added collection account for the amount of {$7000.00} from a XXXX At XXXXXXXX XXXX XXXX I was immediately concerned because I have never rented an apartment. I looked further into my credit report to find that there was a false address as well. Whoever did this was able to acquire an apartment fraudulently, using my information. They did not have my I.D . as my I.D . has been on my person, and has not been lost.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for failing to properly investigate and correct inaccurate information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite my disputes, TransUnion has continued reporting erroneous negative items, which have harmed my credit standing. 

Disputed Accounts : XXXX XXXX - XXXX XXXX  XXXX XXXX charge-off balance reported without proper verification. 

XXXX  XXXX XXXX Unverified balance inconsistency in violation of FCRA. 

XXXX XXXX XXXX  Misleading charge-off and repossession notation with a {$0.00} balance. 

XXXX XXXX  XXXX account with an outstanding balance lacking verification. 

XXXX XXXX  Repeated reporting of inaccurate charge-off despite prior disputes. 

XXXX XXXX XXXX XXXX account missing original creditor details. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to a proper reinvestigation. TransUnions failure to verify or remove these errors violates my consumer rights. I request the CFPBs assistance in compelling TransUnion to investigate and correct these inaccuracies promptly.
Product: Consumer Loan

I submitted a complaint to you all back in XXXX of 2015 n regards to myself and Mariner Finance please use my previous information to locate that complaint as it is vital to the complaint I making today- Mariner Finance hired a company by the name of XXXX XXXX . XXXX XXXX hired an employee by the name of XXXX XXXX. XXXX was hired to have me served in order to have a judgment by the court of law placed on me for the remaining balance of the car they sold after repossessing the car from me in XXXX of 2015. The cause of this repossession was not at all my fault I purchased a money order in the amount of {$430.00} on XXXX,2015. Mariner swore they never received the payment. I went as far as tracking the money order complaining to the post office raising XXXX, faxing proof to Mariner. On XXXX XXXX I received a call from " XXXX '' from Mariner Finance very rudely asking me what my intentions are? I begged his pardon and asked what are you talking about. He said to me a payment posted to my account XXXX XXXX for {$430.00}. I laughed so hard and said I have not sent you all a dime since you took my car that was the payment that you all claimed you never got. Just as I thought my payment set on someone 's desk the entire summer. It was probably mishandled for the week it came in was XXXX of XXXX. As you can see there are several issues here and this has caused a great deal of stress. For additional info please see previous complaint made back in XXXX. However this time we are dealing with Fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

my account is not being reported 100 % accurate under the 15 USC 1681e ( b ). The furnish name is US BANKRUPTCY COURT I have recently spoken with bankruptcy courts and they stated they never deal with credit bureaus under no circumstances so I don't understand where they obtained the information
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/year> **Subject : ** Dispute of Fraudulent Account Attempt No. XXXX Dear XXXX XXXX XXXX  I am writing to formally dispute the fraudulent account attempt made in my name, which marks the XXXX  such incident involving your company. I have not opened any accounts with your organization, nor have I authorized anyone to do so on my behalf. This is a case of identity theft, and I request that you immediately cease any and all actions related to this fraudulent account and remove any associated information from my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to several protections regarding identity theft and fraud. Specifically : XXXX. **Right to Block Information : ** Section 605B of the FCRA grants me the right to have fraudulent information resulting from identity theft blocked from my credit report. I am requesting that you take all necessary actions to ensure that this fraudulent account is not reported to any credit reporting agencies. If it has been reported, I demand that it be removed immediately. 

XXXX. **Right to Notification : ** Section 615 ( g ) of the FCRA requires that creditors provide notification when negative information is added to a consumers credit report. If this fraudulent account has resulted in negative information being added to my report, I request immediate notification and the subsequent removal of such information. 

XXXX. **Right to a Copy of Application : ** As provided by Section 609 ( e ) of the FCRA , I have the right to obtain copies of applications and business transactions relating to the fraudulent account. Please provide me with copies of any and all documents used to open or attempt to open this account. 

Enclosed are the following documents to support my claim : - A copy of my government-issued ID. 
- A copy of the police report regarding this identity theft. 
- The FTC Identity Theft Report. 

I urge you to investigate this matter thoroughly and take swift action to rectify this situation. Additionally, please confirm in writing that this account has been closed and that any derogatory information related to this account has been removed from my credit report. 

Failure to comply with this request may result in legal action, as I intend to fully exercise my rights under the FCRA to protect my credit and identity. 

Please respond within XXXX  days from the date of this letter to confirm that this matter has been resolved. 

Thank you for your prompt attention to this urgent issue. 

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

In accordance with the Fair Credit Reporting Everything has to be a 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported not accurate. This ground for removal they also violated my rights under 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 consumer reporting agency can not furnish an account without my written instructions Also, the Credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent accounts. it is stopping me from obtaining credit.
Product: Credit reporting or other personal consumer reports

XXXX, transunion and experian are reporting different dates on the last payment made on the XXXX XXXX  card of the closed accounts. 
Transunion shows the last transaction as of XXXX XXXX. 
XXXX states last payment was made on XX/XX/XXXX. 
XXXX reports a complete different date, experian reports last payment was made XXXX of XXXX. Please correct the inaccuracies or delete the account. 
Thank you
Product: Credit card or prepaid card

When closing my Victoria Secret Credit Card ( the reason was the unsatisfactory handling by XXXX  XXXX ) the representative wrote to me that my balance is XXXX when closing my account. 

However, my balance was - XXXX , meaning that XXXX owned me XXXX $! This means that XXXX simply kept my money, because I closed their account. 

I believe it is at least a violation of consumer protection law and possibly can be seen as an embezzlement of my money by XXXX.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

TMS The Money Source has failed to pay my property taxes in a timely manner, despite being set up with an escrow account, and it took me, the customer, to help them find the error since they wouldn't have caught it without my intervention. 

XXXX - Contacted TMS about tax disbursement from Escrow to confirm they had received tax bills XXXX - Uploaded tax bills from XXXX to TMS website just in case they were required. 

XX/XX/XXXX - TMS pays XXXX XXXX XXXX XXXX XX/XX/XXXX - Reach out to TMS and find out why the other two tax bills ( XXXX and County tax ) were not paid. Found out that on XX/XX/XXXX my account was set to No Escrow with no record of why or how that change was made. Upon further investigation, TMS found that my taxes would not have been paid and started to enable Escrow back on my account. I was told that this take 5-7 days and that my taxes would be paid afterward, which means my taxes are going to be late. I have never had a late bill in my life, and now because of TMS 's error, I will have two tax bills that will be reflected as late. 

TMS has been unable to give me a date as to when the taxes will be disbursed and just that it will happen after 5-7 days.
Product: Mortgage

PHH Mortgage Company My mortgage was just sold by XXXX XXXX  to PHH Mortgage in XX/XX/2023 XX/XX/2023 Sent paperwork via email per procedure listed on their form from their website for Bi-weekly payments. 
I didn't hear back from them so I called requesting information about 3 weeks later and was told I didn't fill out the paperwork correctly ... no specifics given. 
XX/XX/2023 Re-sent same paperwork again for bi-weekly payments highlighting applicable section for bi-weekly payments. 
Called a week later verifying everything was in order. This time I was told my mortgage needed to be paid up a month ahead to start the process for bi-weekly payments. 
I paid the normal monthly payment via automatic payment on XX/XX/2023. On XX/XX/2023 I paid an additional payment to start the bi-weekly payment. 
On XX/XX/2023 I talked with XXXX in the XXXX Department ( XXXX XXXX ) and she said she was going to get it taken care of and call me on Wednesday XX/XX/2023 once she could verify that the process was complete. I didn't get a phone call so I called again today, XX/XX/2023. The agent tried telling me that I didn't have the paperwork in and that I needed to be paid up a month in advance. I showed him that I was paid up a month in advance. He said that payment was mis-applied and now it needs to be reclassified and that'll take up to 5 days and when that's done, XXXX will contact me ( like she contacted me before ). Every time I call I get an excuse that something isn't right with the paperwork or the paperwork was misread. Every time I call I'm left with no solution, just a " wait and somebody will get back to you ''. 
There are two things going on. One, they advertise a bi-weekly payment option, but don't want to do it through a discouraging process. Two, they took an extra payment from me illegally to pay down a loan if they have no intention of fulfilling their end of the process by implementing a bi-weekly payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many account inquiries on my credit report that I do not recognize. 

XX/XX/XXXX - XXXX XX/XX/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
Product: Checking or savings account

I have took the time to find a ATM that was not on the Simple Fee Free Map due to get charged repeatedly at a atm that wasn't within there network. I contacted the bank to dispute they dispute it back in XX/XX/2020 and left out details of the ATM being missing. So they come back and say claim is denied and I knew it was because the dispute was never filed properly with the ATM that should of been on the Fee Free Map. So I have to reopen my claim with the real details provided thru Support Message. So they reopened it and still deny the claim after the fact they stated they would dispute due to it being a mistake on there part with the Fee-Free ATM. I been having to use a Fee Related ATM due to this mistake done on there part. Instead they closed my account so they could steal my funds out and lock me out of my card and account. Good thing I had my direct deposits transferred or they would of stole that as well after they did me scandalous regarding my dispute that was a valid dispute. They sent me this " Hello XXXX, This account is pending closure in accordance with Closing Your Account provisions outlined in section 17 of Simples Deposit Account Agreement. https : //www.simple.com/policies/deposit-account-agreement The card and account have been blocked so no further deposits, transactions or transfers can be made. 

Once your account closure is finalized, if the account balance is {$1.00} or greater, the balance will be remitted by check to the address we have on file. If the address needs to be updated, please let us know as soon as possible. Any balance lower than {$1.00} will be forfeited. You will receive a follow up support message once the account closure is completed. '' Which clearly shows that they use a fraud scheme while deciding on my claim!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

As a follow-up to Complaint Filed on XX/XX/XXXX ( Reference Complaint # XXXX ) I received an update from XXXX XXXX XXXX Asset Manager assigned to my loan that my request for a Streamline was denied because of prior modifications. He asked that I complete a Loan Modification and stated that it will also be denied as well since I was given modifications in the past.

Sadly, my situation is a unique one with the XXXX XXXX XXXX XXXX  to XXXX XXXX, then a divorce that just occurred onXX/XX/XXXX. It has been an uphill battle for me and my XXXX young impressionable children. Here 's my ask if a request will be submitted to XXXX XXXX - the investor for consideration of a repayment then why can not my initial denial suffice why is Bayview requesting for me to complete a loan modification package fully knowing that it would take an inordinate process to go through approval only to be denied anyway and dragging out the inevitable of submitting my hardship directly to the investor XXXX XXXX. I ask that you intervene and help me I need the stability for my children. While I know we all have circumstances these circumstances were unfortunate and out of my control. I would have loved to wave a magic wand and have them go away. I did not want a divorce and more importantly I did not want my young daughter to XXXX either. It is not what anyone of us want for our life. I beg that you help me and my family.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that you provide me the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.FRCA section 605b
Product: Credit reporting or other personal consumer reports

When netcredit agreement to settle my debt for a lesser amount. Through freedom debt relief. then that forfeit the original contract. I paid on the account monthly as agreed on the new contract with freedom debt relief monthly at around {$97.00} a month for about XXXX months. And I did thar with a final payment of {$290.00}. In which the account was paid as agreement through the contract with freedom debt relief. My complaint is that for the whole XXXX  months while I was paying them. they keep reporting late payments when in fact I was paying them. The reasoning for reporting was that I was not complying with the original contract therefore they can report late payment but I disagree because when they went into a contract with me through XXXX XXXX XXXX and settled with me for less. Then I met my obligation so the information that they are reporting is incorrect although they have reported the balance to be XXXX they still kept accumulating interest and the final payment that they say that I was delinquent on was XXXX or XXXX so my credit reporting from them is very confusing it appears to me that they making up their own rules with how they're reporting and that is unfair and incorrect if they did not want to go into an agreement with me through a debt consolidation company then they should have stated that and then I would have been obligated under the original contract and it would have been correct because I was XXXX or XXXX months late and the account went into delinquent but once we agreed to the new contract through XXXX XXXX XXXX I kept my obligation paid it off and they still reporting on my credit report that I'm late for XXXX months and they will not remove that reporting when in fact I was paying
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) XXXX XXXX XXXX XXXX XXXXXXXX customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX untair and receptive, as they did no! " ) XXXX XXXX comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For all these violations
Product: Debt collection

XX/XX/2014 a collection for {$12000.00} was placed on my credit reports from an unknown collection company. I have no contract and not indebted or owe Stuart Lippmann anything. I had not signed or renewed a lease with the original creditor for many years. This debt was placed fraudulently on my credit report and it needs to be deleted off immediately.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX account # XXXX is reporting on my credit report. It does not belong to me I have disputed this account online and have not gotten any resolution. I am demanding this account be removed immediately. I have filed an ftc report as well as a complaint with better business bureau