23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. Or list of inquiries 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a junior with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ 5 ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.
Product: Vehicle loan or lease

I have been with this company for over 22 years and purchased over 8 vehicles. on Many occasion due to their faulty telephone automated system they have marked me over 30 days late literally destroying my credit score and ended up setting with me for an undisclosed amount, Recently this has happened and I was told it would be corrected some were and there are 2 that are still on there. After so many calls and so many different representatives I have given up. The last person in the Compliance Department reached out to me after I filed a XXXX  report. She had only been with the company for 2 weeks an was very dismissive towards me and rude. She became argumentative with me because she was unfamiliar with the autumated system and told me straight out that the system does not give out calculated days past due. I proved her wrong and she became very hostile towards me. I'm very familiar with this company because I have had them for 22 years, probably longer than most employees that have worked for the company. I get paid once a month and sometimes it is during the end of the month so I monitor the days by calling the automated system that will tell me how many days I'm past due. I do this to be accurate so that I make no mistakes. The problem is that I found out after getting # 0 day late marks is that the system does not keep the calculated days over the weekend so if it say your 27 days past due and you make the payment on the 29 avoiding the 30 day mark, on Monday the system will say that when I made my payment it was 31 days late. This is confusing to someone who was not given this information up front. How is a customer suppose to know that they cant trust the automated system over the weekends, If I cant call the company that holds my loan to confirm accuracy then this is a problem because they are the ones who hold me accountable. This is unfair and needs to be corrected and so do the two 30 day late marks. My record of 22 years shows that I don't make late payments past 30 days. The other issue I have with this company is I was recently told that I could of changed my due date to avoid late payments that I incur every month due to the way I get paid. Out of the many many representatives I spoke with none of them ever offered that advice, instead they let me incur XXXX dollar late payments every month knowing there was a solution. This is very poor customer service to not try to offer a way to avoid these fees knowing all along it was fixable. It was more to their advantage to keep collecting fees from a long time loyal customer of 22 years is very low and takes away from their reputation of being honest and professional. They with hold this information for financial gain and that is not right.
Product: Mortgage

On XX/XX/18 we submitted a request for a short sale among other and all options regarding the late mortgage payments. In the letter we also included a short sale offer from a buyer. We requested the assistance packet to be reviewed and then review the short sale offer. On XX/XX/18 we receive 2 calls from Arvest saying our packet is being reviewed. On XX/XX/18 we receive a letter in the mail denying the short sale offer. Upon collecting information, this was done prior to the packet being approved. As you can see in the letter Arvest denied the short sale because we had not completed a packet ( which is false ) and b/c we had not been approved ( which is why we applied in the first place ). We completed a packet but Arvest denied the short sale before actually reviewing the facts. 
Due to the contract I was required to give the buyer all information and now the sale of my home is lost. 

Addtionally, Arvest denied our initial request for mortgage assistance in XXXX, because we were only 46 days behind on payments. So we were forced to take another hit on our credit score become more late, more late fees, more penalties, more likely to default before we could even speak to someone regarding our options to save our home. Arvest answer ; let us tack on more late fees, let us damage your credit some more then fill out a new packet once you are closer to foreclosure.

Finally, Arvest has a policy that requires the packet to be completed before you speak to a person regarding options to save your home. This lack of communications makes it impossible to know what options to sign up for, how it will effect your credit score, what penalties there will be, how the process works. The only thing they tell you is, fill out a packet. Can I speak to a person regarding options. No. The packet requires knowledge we could only get by speaking to a person familiar with mortgage assistance. 

The mortgage assistance team at Arvest is not set up to help their clients. All actions at Arvest are essentiallym in place to satisfy the minimal federal requirements. They call each week to have " constant contact '' but they refuse to answer questions or the person that makes these calls has no knowledge and can only say " we are reviewing your request. '' Can I speak to someone regarding my options. No. Fill out another packet.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and removal of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of identity theft due to a data breach, and the information listed below was reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I request that these items be blocked and permanently deleted from my credit file. 
Fraudulent Accounts XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The late payments listed do not correspond with my typical payment record.
Product: Credit reporting or other personal consumer reports

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries are not yet removed since my request. 

The inquiries that I wish to remove are located on the attached documents of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security Finance gave me a {$330.00} loan on XX/XX/XXXX. I made a {$63.00} payment every month for XXXX consecutive months. My final payment was XX/XX/XXXX. They did not report any of my payments to my XXXX credit report. My loans prior to this one were all reported. I contacted them in regards to this issue XXXX months ( XX/XX/XXXX) before I paid the loan off and they told me that they were updating their system and my payments would be updated. It is now XX/XX/XXXX and I am still waiting.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for FCRA and FDCPA Violations I am filing a formal complaint against Experian for failing to correct inaccurate, unverifiable, and incomplete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Summary of Violations : Failure to Investigate & Correct Errors : Despite multiple disputes, Experian has failed to properly investigate or correct inaccurate charge-offs, late payments, and collection accounts. 

XXXX Hardship Reporting Violations : Under CARES Act, Sec. 4021, furnishers were required to report accommodated accounts as current. My accounts were improperly reported as delinquent. 

Failure to Remove Time-Barred & Unverifiable Collections : Experian continues to report collection accounts that exceed Floridas statute of limitations ( XXXX years ) and the XXXX reporting limit under FCRA 1681c.

Failure to Provide Method of Verification ( MOV ) : Under FCRA 1681i ( a ) ( 6 ), Experian must disclose who verified disputed accounts and how they were verified. They have failed to provide this information.

Failure to Suppress Unverifiable Accounts : Under FCRA 1681c-2, Experian is legally required to suppress any disputed information that can not be verified.

Action Requested : Immediate deletion of unverifiable accounts that Experian can not prove as accurate.

Full disclosure of Experians verification methods for disputed items.

Immediate correction of any improperly reported XXXX hardship accounts. 

Investigation into Experians failure to comply with federal and Florida state laws.

If this issue is not resolved promptly, I will escalate to legal action under FCRA 1681n & 1681o, seeking monetary damages and injunctive relief.

Attached are my dispute letter, Experian credit report ( highlighted disputes ), and proof of identity.

I request immediate action and a formal response.
Product: Credit card or prepaid card

Chase Freedom XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, United States. Phone Number : XXXX XXXX XXXX. Everytime everyday try to use chase it is shut off after XXXX chargers. Declined everyday everycharge harassed with XXXX follow up calls to update everycharge as valued or not. Ftraud alert on every cjharge everyday shout down. Use credit to survive in hard times. I am XXXX on very low inciome. Shut new o nes in mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

I obtained a title loan for XXXX in XX/XX/2021 from XXXX XXXX store XXXX XXXX. I have been paying from XXXX to XXXX per month for XXXX years. I still owe them XXXX with no relief for me. I'm a retired military veteran and XXXX veteran from combat service. I was taken advantage of by all the fast talking and tricks by their sales persons. Unfair under XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Retired XXXX
Product: Debt collection

Lendmark Financial has been calling and sending mail to my mothers house about a previous car that I had. I constantly told them when they called to stop calling me as I was dealing with health issues ( XXXX and Covid ). They continued to call and ask for small payments even though I was not working and I stated that to them. last certified letter that they sent was on XXXX XXXX. They have also sent letters stating that they were going to sale my car even after me telling them I was going to pay them once I got back to work. They sold my car after almost a week after sending the letter.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general i, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Mortgage

On XX/XX/2020 My mortgage servicer was XXXX XXXX XXXX they sold their mortgage servicing assets to NewRez LLC dba Shellpoint Mortgage Servicing XX/XX/2020. On XX/XX/2020 my mortgage payment servicing functions transferred to shellpointmtg. The problem began when XXXX intentionally transferred a mortgage escrow shortage balance to shellpointmtg on XX/XX/2020. The escrow shortage they transferred to shellpointmtg was in the amount of XXXX They also transferred incorrect Real Estate Tax information to shellpointmtg that caused my monthly mortgage payments to increases by {$230.00} monthly. The intentional incorrect information XXXX transferred to shellpointmtg caused my mortgage payments to increase from {$560.00} to {$800.00} monthly. I have written to shellpointmtg 10 times with documentation that shows XXXX records were incorrect in regards to the Real Estate Tax escrow shortgage ; and I have called them over 10 times to try to get the matter corrected. Shellpoint has refused to correct the mistake. They say it can only be corrected with a new Tax bill mailed or faxed to them showing a different amount, a lower amount. So now they are keeping regular monthly payments of {$560.00} in an unapplied funds for over 20+ days. It appears from my observation that they don't apply my previous month payment to my principle balance until it's around time for me to make the next month payment ... I have to call into their customer service department many times asking them to apply the money they are holding in unapplied funds to my regular payment. For example, they received my XXXX payment On XX/XX/2020, the funds were removed from my checking account on XX/XX/2020 by shellpointmtg but  they did not apply it to my mortgage principle balance until XX/XX/2020 ... after I called in atleast 4 to 5 times requesting them to apply my payment they were holding. They received my XX/XX/2020 payment on Friday, XX/XX/2020 and removed the funds from my checking account on Monday, XX/XX/2020 but have not as of today ( XX/XX/2020 ) applied it to my mortgage principle balance. It's setting in unapplied funds. Since XX/XX/2020 these are a few of the people I have called and talked to about my mortgage account : XXXX XXXX XXXX in customer service he said he was in XXXX Arizona, XXXX XXXX XXXX in the XXXX department she said she was with the XXXX SC office, XXXX XXXX XXXX in XXXX XXXX department, XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX in the collections department on XX/XX/2020, and last XXXX XXXX XXXX on XX/XX/2020 she called from XXXX Arizona..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Loan # XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX I was notified about a foreclosure/auction close to two years ago and the door locks on this unoccupied property have been changed at that time. I moved to another state 4 years ago. Now to my surprise I heard from a realtor who tells me there was no foreclosure. How could that be? I thought all this time there was a foreclosure and the home was sold at an auction. I also saw that the home was on the market for sale but I never put it up for sale at that time. No notification from Wells Fargo or the attorneys they assigned ( XXXX XXXX XXXX ). The bank seems to have been conveniently charging interest on this account that apparently never reached a foreclosure and now I can never pay off the balance they created. I also have doubts I can ever convince the investor to accept a short sale ( so far they've denied it when I had received an offer ). This entire situation seems to be a scam as I've received no notifications from either Wells Fargo or their Lawyers and I think they are purposefully delaying foreclosing on the home so they can charge me additional interest. Could they also be doing this to other people with a similar situation? I hope you can help. 

Thank you. 
XXXX XXXX
Product: Mortgage

BB & T failed to notify me of an increase in my monthly mortgage payment. I continued to make monthly mortgage payments and BB & T continued to receive and accept my on time payments. In XXXX and XXXX BB & T reported my mortgage payments as not as being paid for two months to the credit rating agencies. 

I learned of this when I called BB & T to inquire as to why I had not received a new mortgage coupon payment book. I than wrote BB & T and informed them I never received any notification from them regarding the change in mortgage rates and its effect on my monthly mortgage payment. I requested BB & T provide proof of a delivery confirmation of mail sent to me and that it was successfully delivered. Any financial matter that could have an adverse effect on anyone 's credit rating should require a delivery confirmation. 

I have paid my monthly mortgage payment on time every month and BB & T has received payment before the due date. The months in questions are XXXX and XXXX 2016 which XXXX shows funds posted, received and accepted by BB & T. When spoke with a BB & T representative I was informed that the payments were posted to my account. 

How can funds received for on time payment by BB & T get posted and reported as late - where did my money go and why is BB & T allowed to conduct such a questionable banking practice?
Product: Credit card or prepaid card

I have a credit card with HomeDepot ( Citibank , N.A . ) and had established a credit limit with them that they have consistently reduced every time I have paid a portion of a balance down on the card. They have told me it is due to what they get reported back to them by the credit bureau each month. However, the only time they do it is when I have made significant payments on promotional balances to pay them down or off. Most recently, on XX/XX/2020 I paid {$1000.00} on my card and then on XX/XX/2020 I paid another {$2800.00} which paid off a promotional balance of over {$6500.00}. On XX/XX/XXXX they decreased my credit line to {$100.00} over the current balance of the card which decreased my credit line {$3300.00}. This has impacted my credit score and report by showing that I no longer have a large open credit line and a decreased available credit on the card. They are now showing the card to be utilizing almost 100 % of the available credit which has created an unfair reporting on my credit and affected my score as a result.