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

I have made three separate requests for Experian to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Experian to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit was applied for in my name without me knowing
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed the account shown below on my credit report reporting as a collection account owed. This is false and fraud. I do not owe this company any money. This company is reporting false information on my credit report. Upon checking the Consumer Financial Protection Bureau website I noticed that this company XXXX XXXX , XXXX is in litigation for reporting false information on consumer credit reports. Attached is the article from this litigation. I have also reported this via complaint since Ive contacted you guys the credit bureaus more then 5 times on this matter and it is still falsely reporting on my credit report. This is affecting my credit history along with me purchasing my home. I do not owe this company any money. I paid this company the bill on the date it was owed before closing out my account with them. This information is also attached with the invoice of payment. This is in the amount of {$1700.00} which also was not even the last payment amount owed!! This company has violated the Fair Debt Collection Practices Act Section 312. This account is being falsely reported and is extremely misleading. XXXX XXXX XXXX XXXX XXXX The company has directly violated law written by congress , please remove. Attached is also an article directly on this website CFPD talking about this companies false reporting tactics. Please delete this from my credit report. Ive been contacting this company along with the credit bureaus for 6 months now and nobody has responded to me or removed this false account.
Product: Credit reporting or other personal consumer reports

This formal complaint regarding the inaccurate and incomplete information present on my Credit Report. 
XXXX XXXX XXXX XXXX. 
While I acknowledge that errors can occur, the inaccuracies provided by your agency could potentially result in increased interest rates for me, adding unnecessary financial burden. Given my current financial commitments, this is a matter of concern.

I kindly request that you investigate the following information and take appropriate action to either remove it entirely or provide me with the documentation used to include it in my report.
Product: Vehicle loan or lease

I contacted AMERICAN CREDIT ACCEPTANCE four times prior to filing my complaint with CFPB in an attempt to resolve my concerns and have received a response via mail as of XX/XX/XXXX with them denying all allegations in my complaint. Due to this I am moving forward to file my complaint. 

It was brought to my attention that AMERICAN CREDIT ACCEPTANCE violated several of my constitutional rights and went against The Truth and Lending Act protacal. I pointed out a few violations specifically pertaining to 15 USC 1662 and 15 USC 1605. I purchased my vehicle XX/XX/XXXX from XXXX using AMERICAN CREDIT ACCEPTANCE as my finance company and was told for them to finance the vehicle I was required to put down a {$1300.00} deposit and I would be required to pay monthly installments of {$430.00} after running my social security number and I extended my credit to their company. AMERICAN CREDIT ACCEPTANCE did not provide an option for including liability coverage within the finance charges at all. I was advised to look for my own coverage through a third party. I sent AMERICAN CREDIT ACCEPTANCE a written letter and email informing them of the violations according to 15 USC 1662 and 15 USC 1605 and asked for {$1000.00} per violation mentioned totaling {$3000.00}, payment for insurance premium charges for the full term of my 72 month finance agreement totaling {$14000.00}, refund of my {$1300.00} deposit, and I asked for my vehicle loan to be voided and the title of the vehicle to be mailed to me. AMERICAN CREDIT ACCEPTANCE has refused and is taking no accountability for their actions even with me detailing how they violated so I am reporting their faulty practices. It is completely unfair for companies like ACA to take advantage of people for their own benefit. I extended my credit and their company was able to sell my completed application for the total cost of my vehicle plus finance charges so they have been paid yet they want to be greedy and take even more money from me because they think they can and think no one will stop them. I hope this complaint will get me some resolution and cause them to change their future procedures. What I have requested of them in payment is minimal compared to the damages they have done to millions of Americans thus far. According to 12 CFR 226.2 law and 15 ISC 1637 AMERICAN CREDIT ACCEPTANCE owes me and I expect to receive full payment, for them to void my loan, and send me the title to my vehicle as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; XXXX XX/XX/2020 I received an alert on my credit report stating Conn Appliances had reported a missed payment. My monthly payments are due every XXXX of the month. My payment prior to this date was made on XX/XX/2020. On XX/XX/XXXX, I called Conn 's customer service phone # and processed a payment over the phone I asked the rep what my balance was to bring my account current because I knew I owed XXXX but it wasn't 30 day 's late. She said {$150.00} and that would put my account at a {$0.00} balance. My account should not of been reported 30 days, especially by them reporting it on XX/XX/2020 it hadn't been 30 days. 

On XX/XX/2020 I called to speak about this matter they stated I needed to send an email to dispute the issue. Which I did, I called a few days later XX/XX/2020 and the rep I spoke to stated Conn 's did not report a missed a payment advised her they did and also let her know I sent an email about this issue. She looked into and she did see my email and stated the email was sitting there unread but she would fwd to the right department but she could not give me a time frame of when it was going to be reviewed. A week later XX/XX/2020 I called back and spoke to XXXX XXXX Employee ID # XXXX from the billing department he reviewed my account and he stated this was an error by Conn 's and he stated I would received a letter via email stating this matter had been taken care of. He asked me to call back within 72 hours in case I did not receive it. 

I didn't receive the letter, I called back XX/XX/2020 and spoke to XXXX a ( supervisor ) she stated she needed to send the account to " Maintenance '' to update billing and she would make a note for the credit bureau department that this was in fact an error. She also stated the issue would be resolved within 72 hours. She wasn't sure on the letter to my lender, but she assured me she would call me back same day to confirm. If for whatever reason I didn't answer she would leave a voice mail or call back again. I was off of work that day and had my phone on me all day and she did not call me back. I called back today and spoke to another ( supervisor ) she stated she needed to further review my payment 's on the account because she notice XXXX 's payment was NSF I'm not sure why because on my bank account it was drafted. She stated she would get back to me by the end of next business day. I have been getting the run around on this matter for the past month and no one, not a rep nor a manager have been able to resolve this issue. If my account was in fact late why didn't I get a written document via email or mail or a phone call. Attached are copy 's of my bank statements from 2020, including XXXX 's draft!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

1 ). I have sent to a 1 ).  I have sent to a Cali fornia Beneficiary Information reque st Nationstar which claims to be the servicer of the mortgage of the loan for my home. This was done to notic e Nationstar that there is a error in the loan balance and to help modify the loan. Nationstar has refused  to return the information as required by the California   Civil Code Section 2943. See attachments.
2 ). I email the California Beneficiary Information Request through NACA to present to the Nationstar on    XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . To my knowle  dge Nationstar has not returned to NACA the requested information.
3 ). Nationstar through a substituted trustee is currently dual tracking the mortgage on the home. I 'm in the process of review for a modification and Nationstar through Quality Loan Service have a trustee sale date s  cheduled for  XXXX   XXXX ,  XXXX  for the home.       4 ). The modification that is being offered by Nationstar is well above the threshold for HAMP and the modification offer is around 43 % of my gross income.
Request Nationstar which claims to be the servicer of the mortgage of the loan for my home. This was done to notice Nationstar that there is a error in the loan balance and to help modify the loan. Nationstar has refused to return the information as required by the California Civil Code Section 2943. See attachments.
2 ). I email the California Beneficiary Information Request through NACA to present to the Nationstar   on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . To my knowl  edge Nationstar has not returned to NACA the requested information.
3 ). Nationstar through a substituted trustee is currently dual tracking the mortgage on the home. I 'm in the process of review for a modification and Nationstar through Quality Loan Service have a trustee sale date scheduled   for  XXXX   XXXX ,  XXXX  for the home.      4 ). The modification that is being offered by Nationstar is well above the threshold for HAMP and the modification offer is around 43 % of my gros s income.
Product: Credit reporting

I called Equifax to get my credit report, they took all the necessary information but they could not find me in the system. They asked me for a hard copy of my information which I have sent to them previously but still they could not help me. If my identity was compromised what am i supposed to do what is the procedure and why equifax does not help me?
Product: Debt collection

Received call from XXXX XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX  XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.
Product: Credit reporting or other personal consumer reports

Checked credit file XX/XX/year> discovered accounts that were not mine and lots of wrong information on my credit report such as address. I have never opened any accounts, nor have I ever applied for any type of credit, the following accounts are being reported on my credit report and I have no knowledge of so it would have to be someone else information or ID fraud. The accounts below are being inaccurately reported on my credit report. 

XXXX XXXXXXXX XXXX  Reported balance XXXX opened XXXX XXXX XXXX XXXX Reported balance XXXX opened XXXX XXXX XXXX. XXXX XXXX Reported balance XXXX opened XXXX XXXX no knowledge of these accounts never had them.
Product: Student loan

My husband became unemployed recently, but he has been struggling with his job for a few months now. Navient absolutely has no options in order to defer payments for even a few months, until he can get a job and we can get back on our feet. We have a house and a new XXXX, and this is all very bad timing. When my husband called Navient to try and speak with them about any options for forbearance or deferment to financial hardship, we were told his loan does n't qualify for that, and asked if he could make a payment of $ XXXX {$200.00}, and then we could do a " forbearance '' of a monthly payment of {$150.00}. He tried to explain right now we have {$0.00} to pay, and they asked if we could make a payment on a credit card or borrow money from someone. Obviously, this is not a solution. We told them no and asked if there is any way they could help us. They stated that there was n't, and that the phone calls would continue until we paid.
Product: Debt collection

I moved out of a apartment complex in XXXX of 2013, giving the manager there a 60 day notice. The apartment complex had numerous managers in the short time I lived there, so I have no idea if the manager at the time got my notice or if it was the same manager 2 months later. I moved out in the begining of XX/XX/2013. My girlfriend and I cleaned the apartment very well, in fact while I was waiting at the new apartment for people to come with our things, she finished up cleaning and vacuuming and made sure the apartment was in good shape. Five months later I get contacted by collection agency that I owe {$2700.00} for unpaid rent and cleanup of old apartment. I was floored. Talked to both the real estate company and collection agency to no avail. Thought by now they would give up. A couple of things here. One, this debt is untrue and so old that I have no idea why it is still be sought by them. Secondly, since this time I am on Social Security XXXX and can not work. There is no way I can ever pay this amount even in small payments I can hardly make it as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this as my formal complaint to the Transunion for allowing the fraudulent inquiries and for not taking corrections on my credit report. I sent out my dispute letter dated XX/XX/2023, with the identity theft report number XXXX. 

They also allowed the fraudulent accounts to be reported in my credit file with the identity theft number XXXX. 

As I checked my credit report these are unauthorized hard inquiries and fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Mortgage

Ive been under contract on a home since XX/XX/2020 and working with American Financial Network for the mortgage loan. On XX/XX/2020 I was informed by my mortgage rep XXXX XXXX that the underwriter was going to deny my loan with only 13 days left to the closing date. She offered no solutions after making so many promises but as a first time home buyer, I guess I didnt know any better. Needless to say, I immediately asked for the denial letter and started shopping for another lender. I have found another lender and need to have the FHA case number/appraisal transferred as well as the denial letter from American Financial Network. I am not only being ignored by loan officer but she then had the nerve to say the loan hasnt actually been denied and that Id have to wait for the letter before she could transfer the file. It is now 12 days till closing, I have sent numerous emails to her and others such as managers and branch relations. If my loan was denied why is it that Im not being provided with the official denial letter to protect me and my earnest money deposit that was given to the seller. Why am I being so mistreated. Its starting to make me wonder if the loan officer has a personal issue with me based on my demographics because she has been non responsive and our communication has been horrible from the beginning of our business transaction. She also had the nerve to ask if I wanted to just cancel the loan with them and risk losing my earnest money ( her words and yes, I have the emails ), of course I replied NO, do not just cancel my loan. At this point, I just want the denial letter to be issued and to be done with this company. I am now 12 days away from closing and I need to move forward ASAP. Maybe by making this complaint, Im shedding light on the injustice thats being done to people like me, people of XXXX.
Product: Consumer Loan

I purchased a Car in XX/XX/XXXX and CapitolOne Auto Finance financed the vehicle. The Car was paid off in XX/XX/XXXX and I was never late on making a payment, however in reviewing my all XXXX of my credit reports capital one auto finance reported that I madone late payment. I requested the negative item be removed from all XXXX of my credit reports by sending challenged letters to dispute the XXXX negative item, however the item has remained on all XXXX of my credit reports.
Product: Money transfer, virtual currency, or money service

I want to request my money back from ( Block, Inc. ) due to inadequate 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 was unfair and deceptive, as they did not 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 these violations!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX {$51.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX, XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX - 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In signing up with Experian as part of the XXXX Settlement, they require that you agree to cookie use and targeting advertising. I'm sure this was not the intent of the settlement. It is wrong that in order for victims to gain the benefits of an awarded settle that they now have to agree to additional terms that include new data mining of victims as well as agreeing to targeted advertising by third parties. None of this should be required in order for those of included in the class action suit to receive their settlement. No one should have to opt out of cookies collecting private information and then marketing this info. Only when a person OPS IN should this occur ( no passive opting in and no forced acceptance should be permitted ).
Product: Mortgage

Select Portfolio Servicing is refusing to disburse funds provided by Insurance company and deposited with SPS Servicing to repair home.

Homeowner has done significant repairs for fire damage at homeowners own funds and some funds disbursed by Select Portfolio Servicing.

SPS servicing is not disbursing additional funds while collecting interest on the monies they hold while homeowner can not occupy property and forced to continue to pay mortgage.