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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, HERITAGE ACCEPTANCE, XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I need the items to be removed ASAP for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and there's an unauthorized hard inquiry EXPERIAN XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Payday loan, title loan, or personal loan

The company name is Credit Central in XXXX, SC. They sent a live check which I did cash. I made payment arrangements. However, I did not supply my employment information because it was not requested. They called my job asking for me and when I asked them to not call me at work became rude. Calling my job could jeopardize my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three reporting credit agencies are incorrectly reporting my XXXX  SCORES! 
I have been of Identity Theft, the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Department of Defense, Military Hospitals, Scams, department stores, lies about credit inquiries, lies about my debt ratio, lies about large balances, etc. THESE REPORTS ARE NEGATIVELY AFFECTED ME TO GAIN HOUSING WITH THE ADVERSE ERRONEOUS DATA. I AM GRAVELY IMPACTED. XXXX DID NOT PROVIDE CREDIT RESTORATION OR CREDIT MONITORING FOR MY CHOICE IN THE SETTLEMENT. Please help me to restore my CREDIT WORTHINESS FOR WHICH I WORKED MY LIFE TIME. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously had my credit report frozen on all three credit bureaus. 
Around XXXX/XXXX/XXXX I placed a temporary lift on all three bureaus in order to obtain a loan for a house. 
I received my bank statement and saw that EQUIFAXhad charged me {$5.00} twice. 
Today XXXX/XXXX/XXXX I attempted to obtain a refund via phone but was told that I had to FAX a cover letter, bank statement and two forms of ID. I informed them that I did n't have a fax and requested an email address that I could send it to. They stated that they did n't have one and that I could mail it. I asked if they would also refund me the postage and was told no. I asked for the EQUIFAX Public Relations Number and was given a phone number. This number turned out to be the Consumer Financial Protection Bureau. Was directed by the CFPB person to submit the claim here. 

I have included a bank statement with non-pertinent information redacted. 
Thank you as this is much easier than working through EQUIFAX.
Product: Mortgage

Ditech Financial LLC, servicer of my loan and escrow account disbursed funds from my account with out my knowledge or consent for fruaduent 3rd party life insurance product. On XX/XX/XXXX XXXX was disbursed for insurance according to most recent prinouts i recieved from Ditech. On XX/XX/XXXX a disbursement of XXXX was paid out. I was never informed of this. Over time my escrow shortages continued even when i would pay additional .They were continually advancing funds to pay my escrow and then charging me the shortages. I reviewd account and there was insurnace placed on it from 3rd party lief insurance broker of some sort. In XXXX i discovered the payout to the insurance broker. I asked for the document and teh agent at ditech faxed me a frauduent document showing a scribble on a life insurance document to have insurance added to my account at a cost. I immedietly informed thm of the fraud and they took the insurance off yet never informed me of the Large payouts to the company. I requested my documents. The ledger on my paymnets and what they have processed has many disrepancies in addiition to th payouts in XXXX. I have now contacted htem on mutiple occasions with no resolve and continue getting statements of escrow shortage that dont correlate with increases in taxes/ins.
Product: Consumer Loan

On XXXX XXXX, 2016 I took out a loan of {$2600.00} from CASH NET USA with a payment of {$450.00} per month and an interest rate of 185.76 %. I am retired, XXXX years old and on a fixed income. I can no longer make these high payments. I have attempted three times to set up a payment plan with CASH NET USA and they have refused to work with me. 
I borrowed {$2600.00}, have paid {$910.00} to date and my balance as of XXXX/XXXX/16 is {$3100.00}. 
I am asking for a payment plan that calls for a payment of {$50.00} per month with no further accrual of interest. I will then be able to pay the account off over a series of months. 
Please intervene for me to set up a payment plan that I can afford. 

Thank you for your assistance.
Product: Checking or savings account

XX/XX/2023, I submitted a check for deposit via Alliant CU mobile app. Nothing was stated in the dialog box before I presented the check for deposit, saying it would have a 14-day hold on the check due to it not being a payroll check.
Product: Mortgage

We chose to use Amerisave Mortgage Corporation for the purchase of our new home after they agreed to apply credits to our loan to decrease their loans fees in order to be competitive with our local bank. A credit in the amount of {$5200.00} was add as an " other '' credit on the loan application that was prepared by Amerisave on XX/XX/2023 and further signed by an Amerisave agent ( XXXX ) on XX/XX/2023. Closing is scheduled for XX/XX/2023. On XX/XX/2023, we noticed that the credit had been removed. Our closing agent ( not associated with Amerisave ) noticed this as well and questioned Amerisave why this credit was removed. They ( XXXX & XXXX XXXX responded saying the credit was a glitch that should have been removed. On XX/XX/2023, I reached out to multiple parties ( XXXX, XXXX XXXX XXXX ) at Amerisave explaining the origin of the credit and to explain that I have a copy of the document where the credit is itemized. The agent ( XXXX XXXX at Amerisave said they don't use the " other '' credits category for anything other than earnest money deposits or realtor credits, so this never should have been there. The agent ( XXXX XXXX that offered the credits and added them to the loan no longer works for Amerisave, and they were not willing to check the recorded conversations. The Agent ( XXXX XXXX then stated that he reviewed all forms that were available to me, and no forms exist with the {$5200.00} credit listed. He then said, perhaps I was confused and should look at the forms again, and the number would probably change. XXXX further stated that Amerisave had already credited our loan in the amount of {$8000.00}, which he would provide info on. I explained that I would provide a copy of the document I had, which I printed from the Amerisave portal. XXXX then emailed acknowledging that he found the document I referred to but said the {$5200.00} credit was an error and should not have been included. XXXX said the {$8000.00} credit he mentioned would come from Box A of the disclosure or loan estimate, but no credit in the amount of {$8000.00} has ever been shown in XXXX XXXX of any documents provided to us. XXXX said, since Amerisave was offering a credit of {$8000.00}, and they supposedly applied a credit in the amount of {$8000.00}, it will show as " XXXX ''. I again asked him to show me a document where the credit is shown and figured into the loan numbers. I also noted that this is a separate issue and still does not explain the removal of the {$5200.00} credit that was applied to earn our business. Amerisave has not responded since XX/XX/2023. They have not provided any proof of an {$8000.00} credit being applied to the loan, and the {$5200.00} credit has been removed causing us to owe an additional {$5200.00} at closing on XX/XX/2023. One other note, when speaking with XXXX at Amerisave, she said she understood the principle behind this and they would get the credits back. I have not heard anything further from XXXX. In closing, Amerisave promised {$5200.00} in lender credits at the inception of the loan but removed the credits days before closing causing us to owe {$5200.00} additional fees at closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has applied for a mortgage loan that was not me ( XXXX XXXX XXXX XXXX. Using my personal documents SSN. identity theft on my consumer report. Please remove all accounts off my consumer report please.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX XXXX since XXXX. My paypal account : ( XXXX ) has stucked funds last XX/XX/XXXX in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 


For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ALLY FINCL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes.

It has unequivocally come to my attention that ALLY FINCL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for ALLY FINCL to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that ALLY FINCL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ALLY FINCL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Mortgage

Over the last 15 years I have held a conventional XXXX XXXX 30 fixed home mortgage. Within the last year XXXX XXXX has begun outsourcing the payment collection process to Specialized Loan Servicing ( SLS ). For well over the last 10 years I have had autopay service through my primary bank. My bank ( XXXX XXXX ) ensures that my monthly payment arrives by no later than the XXXX of each month. For over 10 years XXXX XXXX had been able to process my mortgage payment on time with no issues. Since SLS has taken over payment collection I have had five late fees added to my account. Each time a late payment is posted I would have to call customer service and have them reverse charges once they see that the payments did indeed arrive on the XXXX. 
I believe SLS is committing fraud by charge illegal late payments. My mortgage states clearly that I have until the XXXX of each month to make my payment. My bank ( XXXX XXXX ) has been successfully sending auto payments to XXXX XXXX, SLS and many other lenders ( cars, credit cards ) for more than 10 years. Unfortunately, now SLS is charging me late fees because they can not process payments in a timely manor. 
I would like CFPB to look into SLS fraud and have SLS immediately stop charging me late fees when my payment is received by the XXXX of each month and credit my account for all current late fees.
Product: Debt collection

Due to relocation, I cancelled monitoring services with XXXX XXXX in XXXX of XXXX  by phone. There was no outstanding balance or contract. I was told by a representative that the account was canceled. Starting XXXX of XXXX, the company started sending notifications that were forwarded by the post office, stating I needed to contact them about services. I contacted them and wasn't able to speak with management but spoke with rude representatives who insisted that I owed them money and that I had services with them that were currently being used. Today, I received a letter from Sequium Asset Solutions stating I owe {$140.00} and they're attempting to collect the debt. I called them 5 times and get disconnected each time I start telling the representative why I'm calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX/XXXX XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this problem with the collection agency XXXX, Navy Federal Credit Union, and XXXX. Everyone wants to blame the other. The account has been paid and should reflect a XXXX balance since XXXX. I have tried and tried and no one seems to want to fix it. They have a legal obligation to have correct information on my report. I have provided documentation to all parties to prove its paid to no avail. Please please please help me get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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. 


XXXX XXXX $ XXXX XXXX XXXX {$750.00}. XX/XX/XXXX XXXX  XXXX. {$1400.00}. XX/XX/XXXX XXXX XXXX XXXX. {$1800.00}. XX/XX/XXXX
Product: Debt collection

I got an email a few months ago from XXXX that this account was added to my report. The company is Recovery One LLC. Not only do I not have any knowledge of this account I was never contracted by mail or phone about owing a debt. I have called, disputed and wrote a letter explaining this is not my debt. Also the date of birth they have in their records for me is not correct.
Product: Checking or savings account

XX/XX/22 I deposited my paychecks into my Capital one Checking account, checking a few hours later to see what's going on, I find that they have been held for over a week with no reason or notification of any issues from the company. I attempted calling several times and got directed to call Saturday XX/XX/22 because " The checks need to be in for at least 24 hours '' Saturday XX/XX/22 I call in to the customer service line. I am told they can not provide me a reason and am forwarded to a manager, they tell me they can not provide me a reason. I demand to be forwarded to someone who can, the manager forwards me to the security department. I explain what the checks are for and the security department still can't explain why they are holding my checks and force me to give a number to my employer for them to do their job to verify the check. I do so, they say " Well we can't get a hold of them '' and tell me to call back MONDAY... I demand a supervisor because this is unacceptable and I am abruptly hung up on. 

My Second call to the same department starts the same way. I forward the details to them to verify, they make 1 attempt and now I have to call them TUESDAY. I demand a supervisor and once again I am hung up on.
Product: Checking or savings account

1. I was never notified that a business CD was coming to the end of its term.

2. Wells Fargo claims they contacted me by XXXX mail. This is not true. 
3. I have an online account with Wells Fargo and there is a message center. No message was posted that the XXXX was maturing and ending its term. 
4. Well Fargo sends me emails every time I receive a deposit yet they never emailed me to tell me the XXXX was ending its term. 
5. XXXX XXXX  both emails me and posts this information on the online portal. 
6. I discovered the XXXX was coming due and attempted to close and withdraw the money in person at two different branches three days before the end of the grace period. I was turned away since a " business banker was not available. '' 7. I spent over an hour on the phone and was told they could not close the XXXX. It is a lie that I was informed they could close over the phone. This is despicable. 
8 Wells Fargo claims to have researched this matter and determined, I the customer am at fault and not the bank. This is false and despicable. I spent over three hours of my time to try and close this account and was prevented from accessing my money. This is a cover up since there must be thousands of customers with the same issue.

9. Wells Fargo is guilty of preventing me from closing the XXXX and there is not other way to view this. 
10. Wells Fargo is lying. 
11. When I did close the XXXX the staff in the branch refused to give me a print out of the bank statement and show me the balance and the fees charged. THIS IS COMPLETELY ILLEGAL. 
12. I have spoken with Wells Fargo and the " research '' they conducted is disingenuous and a cover up of the deliberate policy to steal from customers.

13. I have been ripped off by Wells Fargo before when staff opened saving accounts in my name with out my knowledge.

14. This is a class action legal matter that will clearly involve thousands of people and Wells Fargo is willing to do everything possible to pretend this is not happening.
Product: Debt collection

I am the XXXX and was contacted by Flagship XXXX about a vehicle loan that is over due by that XXXX. The company rep, XXXX ( XXXX ), relayed that she was contacting me to find my XXXX in order to avoid " having to go through military legal means ( Provost Marshall ) to effect a repossession on the installation ''. It is my understanding that under the FCPA, that creditors are not allowed to discuss status of loans with employers. They can only contact employers to verify employment and ask for contact information.