23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021, I.C. System, INC reported 4 invalidated accounts to all 3 consumer reporting agencies which constitute fraud under both Federal and State laws pursuant to 15 U.S. Code 1692g ( b ). I.C. System has not provided me with competent evidence that I have any legal obligation to pay. 

Due to this fact, and in accordance with 15 U.S. Code 1681n ( b ), I.C. System, INC is civilly liable, and I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit reporting or other personal consumer reports

Portfolio recovery requested for All three credit credit bureaus to remove XXXX account and XXXX from my credit report on XX/XX/XXXX. XXXX FURNISHER did not remove from my credit report. Today ( XX/XX/XXXX ) I call Portfolio Recovery associate sent a request for XXXX to remove XXXX and XXXX from credit my report for the second time.
Product: Money transfer, virtual currency, or money service

Ive been scammed many times by people and cashapp has a no refund policy as its only for friends and family but advertises itself as a money sending/payment app. Ive also accidentally sent money to the wrong people and have no way to get it back. i ALSO purchased bitcoin, but couldnt get it out into real money because my identity wasnt verified? but u need a verified identity to even buy bitcoin on the app.
Product: Mortgage

On XX/XX/XXXX, I received an annual escrow account disclosure statement dated XX/XX/XXXX from Lakeview Loan Servicing , LLC. This statement reflected a {$1900.00} shortfall in the escrow account associated with my mortgage, & the mortgage payment was set to increase 27 % from {$660.00} to {$830.00} on XX/XX/XXXX. Property taxes are only {$370.00} per year, & XXXX property hazard insurance was {$2000.00}. {$250.00} of each mortgage payment was being deposited into escrow throughout XXXX, which should have easily covered these amounts for the year. However, after calling Lakeview Loan Servicing 's customer support line ( XXXX ) 3 different times on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, & being placed on hold for over 45 minutes each & every time, Agent #  XXXX ( XXXX ) finally admitted that escrow funds had been misapplied between my escrow account & someone else 's account in early XXXX. After the loan company " fixed '' their mistake, somehow my escrow account is now nearly {$2000.00} short. They now need to make up the difference over the course of 12 months by raising my overall mortgage payment to a level that is completely beyond my current budget, as my wife has recently become employed again after a long period of unemployment. Although XXXX clearly admitted on a recorded line that the escrow mistake was made on their ( Lakeview Loan Servicing ) end of things, I am still left with them expecting payments exceeding {$800.00} per month beginning XX/XX/XXXX. If I could fire this mortgage company, I would. Apparently raising my mortgage payment by nearly {$200.00} is the only option available to me, even though the mistake was on their end & I have done nothing wrong. I have been offered no other options or detailed explanation, or even an apology for getting my escrow account so out of sorts to begin with. Unfortunately, my plan of action at this point is to pay my normally budgeted mortgage payment of {$660.00} in XXXX, because it is all that I can do. I am sure that the late fees will start piling up, & if it goes on like that long enough, I will end up losing my house over a " fixed '' mistake that this horrible loan company made with my escrow account. This has ultimately turned my American dream of home ownership into a real nightmare, & if there is any way for other homeowners to avoid this company, PLEASE DO SO!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was given a {$3000.00} line of credit with XXXX XXXX with a lease agreement to make a payment each month that is directly debited from my bank account. This company has not reported to Transunion since XX/XX/2020 although I have never missed a payment. I paid off the remaining balance on the account and asked XXXX XXXX to submit notice to Transunion and they failed to do so. On my credit report it appears as if I have a high balance and that is not the case. When I called XXXX back I was told the account was reported as closed and I informed them that reporting an account as closed negatively affects a persons credit report and it should be reported as paid in full instead. XXXX stated that if I no-longer am wanting to purchase utilizing the funds available then they have no further business with me. I attempted for the 5th time to have this disputed with Transunion and XXXX and the issue has not been resolved and is still appearing on my credit report as a high balance when in fact there is no balance. I also filed a complaint with the XXXX  and also noticed that the reviews there are quite similar to my complaint. This company targets low income people and then seeks to destroy your credit when you pay off your account and they are not able to box you into a long term lease to charge you double of what the original item cost.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their failure to update my credit report and score since XX/XX/year>, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve this issue directly with Experian, including phone calls and emails, no action has been taken to address my concerns. 

When I try to call their customer service, I am repeatedly routed to automated machines, leaving me unable to speak with a representative to escalate the matter. Additionally, I reported this issue to the XXXX XXXX XXXX XXXX XXXX  ), but the problem persists. 

This lack of responsiveness and inaction has caused significant harm to my financial well-being. Without an updated credit report and score, I have been denied car loans and rental housing opportunities, both of which are essential to my quality of life. 

Actions Taken to Resolve the Issue : Since XX/XX/year>, I have made several attempts to contact Experian via phone and email to request an update to my credit report. 
I filed a complaint with the XXXX XXXX XXXX  in an effort to mediate this issue, but no resolution was provided. 
I have made repeated good-faith efforts to resolve this matter directly with Experian, all of which have been unsuccessful.

Impact of the Problem : Experians failure to update my credit report has had a profoundly negative impact on my life. I have been unable to secure financing for a vehicle and have faced rejection when applying for rental housing. These denials are directly tied to the outdated information in my Experian credit report. 

Furthermore, the lack of access to an accurate credit report has limited my ability to make informed decisions about my financial health and goals. This has caused emotional distress and financial hardship. 

Thank you for your attention to this matter.
Product: Debt collection

I received a bill from the payday loan company Advance America on XX/XX/XXXX. I have never been to a pay day loan company nor do I need to take out a loan. I have over {$30000.00} in available credit, make over XXXX a year, and have no problem paying bills. I contacted Advance America immediately after receiving the bill that Friday to dispute via identity theft. The person who took the call stated I needed a police report. I hung up and called the XXXX XXXX XXXX XXXX and filed a police report # XXXX XXXX  : XXXX. I called back to dispute the debt and go through the Fraud department. I found out that the debt was taken out on XXXX XXXX online. The person used my SSN and DOB. Additionally I verified that the phone number they used was XXXX ( my number is XXXX ) which is an Indiana phone number. They also verified that the bank account the funds were issued to was XXXX XXXX. I have never been to a XXXX XXXX ; I have accounts with XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I have relatives in Indiana and visit them every year just before XXXX to go to the pumpkin patch. My mother had someone living with her at the time named XXXX XXXX who she kicked out in XXXX. XXXX would have had access to all of my information. Advance America also stated the person used an email XXXX. My personal email is XXXX. Additionally they lied about my monthly income ( XXXX ). As an XXXX XXXX my base pay is XXXX a year, much more than XXXX. Finally, they advised me that when this happened a hard pull would have taken place on my credit reports. I checked all three, XXXX, XXXX XXXX, and XXXX and there were no credit inquires ; they just released the money. Advance America stated that they would get this taken care of and that this was obviously fraud. Yesterday, XX/XX/XXXX I received another bill with an even higher amount. Additionally it appears someone made a {$180.00} payment. This obviously has not been taken care of and I would imagine the person that sent them the check for {$180.00} is the culprit.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The Bank of America signed a settlement agreement with the DOJ in XXXX of 2014 regarding Countrywide mortgages. According to the Settlement the Bank of America was to suppose to modify all the Countrywide loans shown on XXXX XXXX of the Settlement. Currently Bank of America is keeping it a secret which mortgages are being modified. The only mortgages being modified are the ones Bank of America still owns. As a result Bank of America is violating HUD and CFPB 's regulations. See the attached letter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Credit Report Information Dear Sir/Madam , I am writing to formally dispute certain information in my credit report, which I obtained from your agency. Please find the details of the items in question below : Disputed Item ( XXXX ) : 1. Account Name/Number : Jefferson Capital Systems LLC Discrepancy : Never opened or created such account, account info was not provided and removed by other credit bureaus. 

I kindly request that you investigate this matter and correct any inaccuracies in my credit report as soon as possible. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within 30 days. 

Please inform me of the outcome of your investigation and provide a revised copy of my credit report reflecting the corrections. 

Thank you for your attention to this matter. Should you require any further information, please do not hesitate to contact me at XXXX Sincerely, XXXX XXXX
Product: Debt collection

I am the employer. Received a call from a debt collector to implement a garnishment on one of my employees. They did not give a persons name. Asked for an email address to send this document to. Received an email from XXXX. Letter was from XXXX. Googled apex servicing and found a post from Washington State Department of Financial Institutions stating Apex Servicing is not a licensed debt collector and to beware. Very similar contact info in that post from Washington government. Looked up phone number to XXXX XXXX XXXX XXXX is legitimate. XXXX XXXX says something about collecting debts on behalf of XXXX XXXX. This seems to be illegitimate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I was shopping at XXXX and asked if I wanted 35 % off for joining the XXXX  program at checkout. As a XXXX XXXX I said yes, part way through I realized it was for a credit card, not a XXXX  program, I figured out once it was requesting approval for a credit card inquiry. I immediately stopped filling out the information and requested the cashier cancel that immediately she said she would push some buttons on her screen then reached over and ended up hitting accept on the customer pad I was using to fill in the information. One week later I received a letter requesting income information and that an inquiry had been made for my request of a XXXX credit card which I never authorized or wanted. I have called 3 times, the first time the support agent said they would request it be removed from the credit bureaus, the second time the same thing happened, the third time they first said they couldn't find my credit pull, and application after XXXX minutes they found it then said they would put in a request to remove it XXXX week later I received a letter claiming the authorization and request for the credit card was valid. I believe the last one obviously on their system it would look valid. Still, all of the agents failed to understand I was not the one to hit authorize, that the cashier had tricked me by saying rewards instead of credit card then reached over and pressed authorize on my behalf while I was requesting she cancel it.
Product: Credit reporting or other personal consumer reports

My account with DEPTEDXXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPTEDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Hello. FNBO bank recently denied my request for a credit card based on their assessment that they could not " ... verify certain information ''. I contacted their credit department on Friday, XXXX XX/XX/2023 and spoke at length with XXXX who is a " Lead '' in that section and I asked what information I could provide to verify my application in order for it to proceed. After repeated requests for this data, she stated " ... that it is bank policy not to disclose such information ''. I asked which credit bureau they used and she responded " XXXX '' and suggested I contact them to review my report. I contacted XXXX by phone and was advised that there is no derogatory information of any kind on file with them. Further investigation on my part revealed that XXXX and XXXX had the exact same correct data and my XXXX score is good. XXXX further indicated that FNBO had not run any credit check on my file within the last ninety days which begs the question " Where did they get their data from? ". Any financial institution within the United States that refuses a person credit is required by law to state the reason ( s ) for such denial along with the bureau ( s ) that provided the report ( s ).

A reasonable person would therefore conclude that FNBO 's rationale for denying me credit is generic in nature and, in effect, denies me the right to correct any erroneous data they may ha
ve on file. To deny me such recourse is both arbitrary and capricious.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information is held by three major companies. Equifax was one such company that has held my records. In XXXX of XXXX thru XXXX of XXXX Equifax servers were compromised and records have been stolen. Checking with Equifax they gave me a vague answer of your records may have been impacted. This is unacceptable, in the healthcare field our records and information MUST be encrypted and can only be transferred back and forth using XXXX XXXX Transfer XXXX. Equifax has held on to my personal information and did not even have basic security set up to prevent information that is stolen from being decrypted. Checking with Equifax they have stated that my information has potentially been compromised. For a resolution I no longer want my information reported to Equifax unless they can effectively demonstrate secure IT and data practices. I am not an IT expert my field is XXXX Compliance but I learned IT basics and implement security at my own home. If any of these three companies is going to hold personal records on me I want data encryption and secure file transfer protocols, up to date IT protocols and up to date cyber security. Instead what I, and anyone else compromised, got was the equivalent of putting my financial information in a sack with a dollar sign on it and walking down XXXXhe street with it to deliver it.
Product: Payday loan

Ace Check Cashing is constantly calling me at my home and work while also harassing me and my co-worker for a payday loan that I did not opened online. Their fraud department personally acknowledge it was an identity theft issue, so I went and filed a police report to cover myself. With all this information at hand, they continually keep calling and threatening me with law suits, been served at my job by the police, and threatening to keep embarrassing me until they get money for a payday loan I never received or initiated in the first place. Today, they hit an all time low by disrespecting my boss after she and I repeatedly told them not to call again on her company line affecting her business and my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just got a copy of my credit report, and I discovered an account that are not mine. That I've become a victim of identity theft shocks me. I've been upset by this because I'm trying to get my family a house. As soon as you can, please delete this fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I asked for and received a notice from the court that a collection account had been paid and the court was satisfied that the debt had been resolved. I also received a letter from the collection agency stating the acct was paid and the account satisfied. 

I sent the information to the 3 major credit reporting agencies, XXXX, XXXX and Experian asking the collection be removed as paid.The first 2 took action and removed the acct from my report Experian responded by stating the report will remain unchanged until XXXX. 
I disputed the account every month for 4 months, the same response each time. 

The report showing the collection created a situation that resulted in our family being homeless for 6 months. I can provide statement showing we were living in motels. We were denied housing due to the report, until out current leasing agent actually took the time to look at the documentation and agreed there is an error on my report. 

I can provide the rejection letters. 

I do not believe that Experian has the right to continue reporting the collection when the parties involved are satisfied the acct has been satisfied. 

Thank you for any support that you can provide. I am fearful that when we need to move again we will be denied. 

I will attach the referred documentation
Product: Checking or savings account

On XX/XX/XXXX of XXXX between XXXX and XXXXXXXX XXXX I went to XXXX restaurant with a gift card. Gift card was declined so I used my serve American Express card. Moments later I checked my account come to find out I was missing {$1000.00} and some change and {$610.00}. Two transactions were done at the same time. Some how though it went from XXXX restaurant in XXXX TN to California to a grocery store by the name of XXXX. American Express says it'll take 45 days before the issue can be resolved. I have sent an email to the FBI and I will file police report. I need help recovering my money for this is my XXXX check we're talking about. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX ( SSN : XXXX ) Address : XXXX XXXX XXXX XXXX XXXX , CA XXXX Your dealership used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am contacting JPMCB Auto Finance and XXXX XXXX : Please remove the hard inquiry by JPMCB Auto Finance and XXXX XXXX from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within XXXX  days. Enclosed are the necessary documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of my lease with infiniti, I went into a new lease with them. The dealership waived my last payment and I have had my new car for 15+ months. The outstanding last payment of {$430.00} that was waived by the dealership through infiniti financial services has not been updated as closed and is still showing as an open balance. Ive tried to resolve this through them and they have not helped at all. This is my last attempt to have it removed before my attorney becomes involved for falsely reporting this outstanding balance for more than a year. My brother was a co-signer on this lease and its causing him harm as well.