23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Was given misinformation repeatedly about the status of my IBR, application submitted in XX/XX/XXXX ( while tax retrieval tool was down ). Was not notified of need for supplemental documentation. Was told by representatives there was no record of IBR application from XX/XX/XXXX. Called multiple times and spoke with representatives not knowledgeable about the ibr application process, who provided misinformation. On XX/XX/XXXX was told to reapply ( the website at fedloan was down all weekend ) and that there was " plenty of time '' to do so before expiration of current low payments per IBR. Four days after this conversation with this representative ( who encouraged me to take time, as there was " plenty of time '' until the next payment due date, and that a new IBR was necessary due to no record from XX/XX/XXXX ), I was sent notification that the XX/XX/XXXX IBR was expired that day due to nonreceipt of tax information. Called again, and was told not to worry, that the IBR was received and would be applied to the next upcoming payment. Then received notification that my XX/XX/XXXX IBR was processed, approved, but would not be applied to XX/XX/XXXX 's payment. Called company to complain about misinformation provided by employees, about an IBR from XX/XX/XXXX, and if I had been allowed to submit tax information for this request, my IBR would have been applied for XX/XX/XXXX and not XX/XX/XXXX. Employees tried to tell me my only option was forbearance, and other costly options which would include capitalization of my loans. Manager would not honor the most recently approved IBR payment amount for XX/XX/XXXX, was rude, raised her voice, and continued to argue that there was no misconduct on their part and that she would provide " more training '' to employees who gave false information. All I asked for was for them to apply the most recent IBR to the next upcoming payment due. This was something they said they could n't do, even though other servicers had done his in the past to correct employee mistakes. Instead of not being able to fix this, they are simply choosing not to. So, they 're simply going to educate their employees, but I have to for over almost {$900.00} of payments I can not afford at this time due to temporary unemployment. This is fraudulent, unethical, and predatory. I feel they are purposefully doing this to steer me towards more expensive options which include capitalization.
Product: Mortgage

This complaint is about Wells Fargo and a previous mortgage I had with them and how they took advantage of me and the situation. I was lied to. Told to default on my mortgage so they could blast me with fees to keep my house or otherwise they would take it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that an old account from XXXX XXXX XXXX XXXX has been recently reported as late. This account was charged off in 2012 and has not had any subsequent activity since then. For the past 3 months you have reported me as late, however this account was charged off. I have called the bank and verified that there has been no recent activity and the only activity that should be reporting is a charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX XXXX XXXX ; XXXX XXXX XXXX TEXAS XXXX I've sent letters to the furnisher disputing the account listed below. I have not heard back from them, but they have verified the account as accurate .CAN THEY FRAUDULENTLY DO THIS? XXXX XXXX XXXX? VERIFYING AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 

I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.Because of this, Im requesting information about your procedures put in place to verify this account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was opened and charged - off. 


PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE.
Product: Credit card or prepaid card

Bank of America charged interest on my credit card which was supposed to be interest free for 18 months. They have also charged late fees for failure to pay the minimum amount despite its online banking system indicating a {$0.00} minimum payment.
Product: Credit reporting

I 've just reviewed my credit score and noticed a significant decrease. After reviewing my report on XXXX, I 've had about 12 hard inquiries removed and then reinserted. This is against the law as I received no written notification of changes. I spoke with a rep from transunion by the name of XXXX and she states she 's unable to delete it because it 's a glitch on credit karma. I 'm assuming this same glitch has affected the other credit bureaus because my score has decreased between XXXX points in about a month. I do n't care who 's at fault, I just want all inquiries removed because it violates my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumers financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure equifax complies with the federal law and provides consumers with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

My escrow account was debited {$450.00} on XX/XX/2021 to cover wind damage insurance. This was despite numerous attempts on my part to provide the company with proof that I am already insured for this by the condominium association that provides for this. 

In XXXX, the mortgage servicer LoanCare , LLC requested that I upload a copy of hazard insurance documentation to a website they directed me to, which I did. I took me less than half an hour to get the info off of the webpage of my condo association and send it to them. Then the company wrote to me saying the info didn't show coverage included wind damage. It did, and I uploaded specific sections of the policy, and also had the insurance representative contact the company to clear up any questions. This all happened during a pandemic, and though it sounds simple enough, because their phone system is so Byzantine and customer service so poor, it has taken me over eight hours of my time to be on hold, talk with a person, and satisfy them that the insurance is in place. 

They still took the money out of my account, but when speaking with them, they have acknowledged that it was an error, that the insurance required is in place and they will refund my escrow account money once they receive the refund from the insurance company. I have requested that their error should not impact my escrow balance and that they should refund my money immediately, but my request to speak with a supervisor was ignored. 

This sounds perfunctory and should have been resolved quickly, but in actuality it took me hours on the phone, numerous written communications and has been frustrating to have to work on, all because of their incompetence, which they freely acknowledge. 


My loan number is : XXXX Their website address is : https : //www.myloancare.comXXXX XXXX XXXX Their telephone number is : XXXX Their address is : XXXX XXXX XXXX  Attn XXXX XXXX XXXX  XXXX, VA XXXX I can provide dates and times for the phone calls and letters if these are needed. Please help me, thanks
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 Section 604 A. Section 2 : It also a consumer report agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692C ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally dispute the fraudulent information listed on my credit report, which I believe is the result of identity theft and XXXX trafficking. In accordance with Section 605C of the Fair Credit Reporting Act, I am requesting that you remove the following fraudulent accounts from my credit report within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX
CAPITAL ONE /XX/XX/XXXX
XX/XX/XXXX XX/XX/XXXX
CAPITAL ONE SILVERXX/XX/XXXX XX/XX/XXXX
XX/XX/XXXX
CAPITAL ONEXX/XX/XXXX (3) one my report 3 different times
XX/XX/XXXX XX/XX/XXXX(ONE my credit repair twice)XX/XX/XXXX (ONE my reported twice)
XX/XX/XXXX  (Original Creditor: XX/XX/XXXX XX/XX/XXXX  (Original Creditor: XX/XX/XXXX XX/XX/XXXX(Original Creditor: XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Mortgage

I had a home loan serviced with XXXX and I received notice from them on XX/XX/XXXX that when I made my payment on XX/XX/XXXX it would be my last engagement with them. This effective XX/XX/XXXX, my new servicer would be Freedom Mortgage company. Freedom Mortgage company did not provide any documentation to this loan and they raised my mortgage payment with no notice. I have submitted SEVERAL email request and phone calls to resolve this issue and all of my request have gone unreturned. I know they are required by law to not only provide notice but to provide documentation which they don't seem to care to do. Not to mention they provided me no documentation of this new loan agreement until I threatened to report them. It's as if they are looking for people to default on their loans and they should be fined and investigated for their unprofessional and unsavory practices.
Product: Credit card or prepaid card

Applied for special Amazon PRIME visa signature card to get the discounts. I spend thousands of dollar annually and deserve this discount card. 
Chase bank lied about my credit profile. I ran may credit report and have NO late payments, All credit cards are paid on time. Balances in line. No Adverse factors. 
Have a public record which cleared 10 years ago, and have XXXX credit score per their letter. Chase is discriminating against me because of by age. Please advise next course of action.
Product: Mortgage

In XXXX, I applied for COVID payment assistance through Chase on my Chase mortgage. The payment assistance renewed every 3 months, and I was told that it would continue to renew through end of year in XXXX. I talked to Chase multiple times that year, each time to renew my payment assistance. Although I was enrolled in this payment assistance program, I continued to make payments for MOST months during the assistance period. Then, Chase incorrectly reported my account delinquent to the credit bureaus in XXXX, XXXX. This is inaccurate. I was misled by Chase, who told me that I was still under a COVID payment assistance program in XXXX and XXXX of XXXX. I feel that Chase was deceptive and did not properly adhere to the CARES Act. It is even more frustrating that I was making payments for most of the months of this assistance, but when I actually NEEDED the assistance to come through for me in XXXX XXXX, it failed me. Chase failed me as their mortgage customer since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I submitted a complaint through CFPB about Equifax reporting numerous inaccuracies on my credit report. The complaint was received by Equifax on XXXX XXXX XXXX. Equifax responded on XXXX XXXX, XXXX, stating that they would not respond to my complaint via CFPB portal because they suspected that I was using a credit repair company, which I have not, and that Equifax will send me the results of the investigation to my mailing address. I let a week go by and still I had not received the results of the dispute I submitted. On XXXX XXXX, XXXX I called Equifax and asked them why I had not received the results from my dispute that they said was going to be mailed to me on XXXX XXXX, XXXX. The customer service rep stated that they just received the complaint on XXXX XXXX, XXXX and the dispute should be completed by XXXX XXXX, XXXX. This is ridiculous and I believe Equifax is using a stall tactic to give themselves more time. I t has been 30 days since Equifax received the complaint through CFPB and these disputed items should be deleted immediately.
Product: Payday loan, title loan, or personal loan

In the begging this year when I pulled credit report I found out that my husband had use all my identity ( ssn, tax return ... ) all tha information applied a personal loan last year around XXXX for XXXX under mecurrently going through divorce process ) i had call discover so  many time and they told me is civil matter, i had called police also but they werent being helpful, my husband was tha one set up all tha account and stuff since he manage all the bills at home, and everything was done by him, jsut recently he start sent email to me, I just dun understand how can they approve the loan that easy without my  signature and stuff, now my credit score is damage cuz is not being paid, i was hoping they can help me investigate but they didnt, they kept switch me from line to line and told me nothing they can do! Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Consumer Loan

I 've become aware that Ford Motor Credit is reporting an outstanding balance that I know to be incorrect. I have disputed this account record but they have verified to the credit bureaus that the information is 100 % accurate. Not so. I requested an itemized bill showing how the sum of the charges added up to what they 're saying I owe. Reporting an incorrect balance to the credit bureaus is a FCRA violation. I 'm requesting your assistance in helping me get this company to correct my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Mortgage

Fay Servicing is charging me forced place homeowners insurance even though I have provided proof of insurance. They refuse to credit my account and now I have to pay over {$4000.00}. I am not able to make these payments. Can you please help me? The mortgage company did not have my correct mailing address on file and this was confirmed by the customer service rep I have been in contact with. I never received any letters requesting proof of insurance since they were mailing to the wrong address.
Product: Credit reporting or other personal consumer reports

1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : ** - Credit reporting agencies are required to investigate disputes of inaccurate information on consumer reports. The late payment reported in XX/XX/year> is inaccurate and does not reflect my payment history correctly. 

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : ** - This section mandates that furnishers of information, such as XXXX/ XXXX XXXX XXXX XXXX must report accurate information to credit reporting agencies. The reported late payment is incorrect and violates this requirement. 

XXXX. Truth in Lending Act, 15 U.S.C. 1666b : ** - This law requires that payments be credited promptly as of the date of receipt. The payment in question for XX/XX/year> was not posted correctly, leading to an inaccurate late payment report. 

Details : In XX/XX/year>, my payment was not posted correctly, resulting in an incorrect late payment entry on my credit report. Despite the account being paid and closed as of XX/XX/year>, the incorrect late payment remains on my credit report. 

I request that the CFPB assist in having this incorrect late payment removed from my credit report. This inaccurate information is impacting my credit score and does not reflect my actual payment history. Please notify all credit reporting agenciesExperian, XXXX, and XXXXto update my credit report accordingly and remove the erroneous late payment entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
I applied for a XXXX XXXX XXXX to see what my interest and credit limit would be. 
Once XXXX  got the application they set me up for a account with a credit card when I had called them and told them I was only checking what the interest and limits would be. 
I never received a credit card and never activated a credit card with this company, but yet they show on all 3 credit reports that I closed a credit Card account with them, This hurts my credit reports a lot. 
I called them and told them I did NOT want to use there services or credit card and never Opened a account with XXXX XXXX XXXX XXXXXXXX 's. 
Please remove the closed account from all three credit reporting agencies.
Product: Checking or savings account

I have an XXXX XXXX credit card that was closed due to fraud without any further explanation. Attempts have been made to understand the details, but XXXX XXXX XXXX only explained to me over the phone that the account was opened as a result of fraud. As such I replied that I made more than XXXX XXXX dollars in payments to the account and requested that money be refunded. XXXX XXXX XXXX referred me to Wells Fargo for any disputes. I filed dispute with Wells Fargo but Wells Fargo sent me a letter dated the very next day of the dispute that they had investigated the dispute and determined the payments were authorized. The bank should have disputed the transactions to find out the result from the party I filed the dispute against. Instead they had determined they did not have to investigate the ACH payments disputed.
Product: Credit card or prepaid card

My credit card company, Capital One, has restricted my account because i do not own a US driver 's license. The only way they can verify my identity is if i provide them a US driver 's license. I have a US passport and an expired US driver 's license but they will not even accept a US passport as a form of identity. Because they do not have the capabilities to accept this, they are unable to take my payment using my debit card. They are continuing to charge my fees and interest because of this and they also will not even discuss my account with me. 

It is unacceptable that Capital One continues to charge me when they can not accept a customer 's US passport as a means of identity.