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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I have had several of these XXXX XXXX  short term loans with possible in the past, and this one I had an emergency come up and was running low on cash, possible always has a popup in the app that says " need to reschedule your payment? '' So I decided to try it. It said this won't affect your credit and gave me several different dates to choose from in the current month And as far as XXXX months out. I rescheduled for XXXX weeks later. That payment date came around and I paid it, the next payment I decided to reschedule just to try and get everything caught back up. I chose a date that was more than XXXX  days out and The disclaimer came on the screen and said this won't affect your credit but might affect future loans with possible. I decided to take the risk, since it wouldn't hurt my credit and these loans are very expensive. Fast forward to XXXX  days before my last XXXX payments are due all the sudden possible  has reported my account XXXX days late to the credit agencies so I emailed them. They said well if its past XXXX  days your late. This is a XXXX XXXX app, why would a ) they allow me to post pone a payment so far in the future it would show late on my reports, and b ) why would I post pone for that same reason. I have worked very hard to get my credit to where it is again. Now, they have reported me delinquent even tho I payed the whole thing off the day I found out about the late reporting. I paid it XXXX  days ago and I keep getting emails saying its in default its reporting late, delinquent and deragatory on the credit reports. and the customer service will not respond and if they do its a cookie cutter response that has nothing to do with my situation.
Product: Student loan

My name is XXXX XXXX and use to go to XXXX XXXX and I cant repay the loan because I got sick and have mental illness I was diagnosed with XXXX and I been struggling to pay the loan ever since and I need the loan off my credit because it giving me bad credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

These are collections reporting on my report XXXX and Transunion... 

XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the Fair Credit Reporting Act. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states Reporting information with actual knowledge of error, 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. XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 U.S. Code 1681n ( a ) ( 1 ) states Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. 15 U.S. Code 6802 ( b ) Opt out ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given an explanation. 15 U.S. Code 1681o ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

Good afternoon! Actually my complaint is not about fees collected, but there was no appropriate option for my complaint. 

I closed a checking account at Santander Bank XXXX XXXX XXXX in XXXX, NJ XXXX. I need to check my transaction history. I went down to the bank and asked for assistance with this and they told me that being that my account is closed it takes a long time and they can't help me with this. This information is very important to me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX aka Cash App has froze my account XX/XX/2021 with my money on it. I can't send money or buy bitcoin but I can receive money .... I tried contacting via email because there is no live people and there response is my account is frozen and there is no further information they can give me ... I emailed about 20 times and now they will not respond. I can't take my money out I can't close my account.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. Reporting XXXX XXXX XXXX is reporting should be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit card or prepaid card

I paid off my credit card in XXXX and closed my account. The online access was turned off and i received no other notices or phone calls In XXXX I received a letter from a collection agency for less than {$20.00}. When the letter was received it said the account was 30 days and i should call immediately. I called and it was regarding my regions credit card ( i have banked with them for years ) and i had to call them to discuss. I called customer service and they agreed that I should have been notified. She zeroed out the account and would report it closed. and said to remove the credit mark ( the only one I have ever had ) i would need to dispute through the credit agencies and she would make notes to approve the correction to my credit. I did and they are refusing to remove the mark. I had no notification that there was residual interest after payoff until it went to a collection agency. They turned off access to my account as well. I feel this is unfair to not do what they said they would do. I have a perfect history and this has impacted my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX called me 3 days in a row saying i was approved for a card that i have never applied for i let them know it was not me. On the 3rd day they said they processed it and it was approved i told them the 3rd time while i was at work i never applied for that card. The user had my social and old address from another island. This is still reported on my credit report as a declined card offer 4 months after my complaint with the wrong address on XXXX, and XXXX. Application was on XX/XX/XXXX and XXXX XXXX Second Company Genesis Fs refuses to take my declined credit information off my report saying they did their investigation and the report is correct. They have my SS and they used a incorrect address that i was never at, used my family business number and ran a report when i had already frozen my accounts date XX/XX/XXXX @ XXXX XXXX  PST on line from XXXX to a bank in Missouri. 
I live on XXXX dealing with id theft. Police report number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) And the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a car crash in XXXX where my car was totaled and the gap insurance paid off car which has left a balance on car of XXXX plus dollars. And it is still showing open with a late payment for XXXX years consecutively. I have made several attempts to pay debt but also asking the creditor to remove late payments they are refusing which is very disheartening. Because this is crushing my credit worthiness and affecting my life from moving forward. I am willing to pay amount in full but I have been trying to work with Credit Acceptance and they are making it very difficult for me. According to 15 USC 1666 B timing of payments a creditor should not treat a payment under a open ended consumer credit plan as late for any purpose. unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required.
Product: Mortgage

XXXX and XXXX XXXX assert that Rocket Mortgage engaged in deceptive practices during the processing of their mortgage refinance, in violation of federal lending laws. The XXXX 's were misled by Rocket Mortgage 's representative and were deprived of essential communication necessary to make an informed decision regarding the loan. Furthermore, documentation reflecting unauthorized changes to the loan was not provided to them. Despite multiple discussions, the agreed-upon distribution of funds was not honored, and the XXXX 's XXXX that pertinent information was intentionally withheld, preventing them from exercising their right to rescind the contract. 

Notably, Rocket Mortgage failed to disclose that XXXX XXXX would not be included on the new mortgage, despite having been on the original mortgage. This critical information was not communicated until after the closing of the loan and was revealed by Rocket Mortgages customer service department, not the lending banker, XXXX XXXX XXXX. As a result, when XXXX XXXX attempted to discuss the loan with Rocket Mortgage, he was informed that they could not communicate with him due to his exclusion from the loan. Additionally, Rocket Mortgage conducted both soft and hard credit checks on XXXX XXXX without his knowledge or consent, constituting a violation of privacy and credit reporting regulations. 

Furthermore, despite negotiating the issuance of a fourth check for debt consolidation, XXXX XXXX failed to inform XXXX and XXXX XXXX that these funds would not be disbursed. It was only after the XXXX 's contacted XXXX XXXX to inquire about the missing payment that he acknowledged his failure to communicate this critical detail, admitting that he " dropped the ball. '' Had the XXXX 's been properly informed that XXXX XXXX would be excluded from the mortgage and that the fourth check for debt consolidation would not be issued, they would not have proceeded with the refinance. The primary purpose of this refinance was to consolidate debt, and the failure to disclose these material facts constitutes a significant breach of trust and transparency on the part of Rocket Mortgage. 

In seeking resolution, the XXXX 's contacted Rocket Mortgage, only to be advised by XXXX XXXX XXXX, XXXX XXXX XXXX, that their sole recourse would be to pursue a second mortgage. This proposed resolution is unsatisfactory given that the issues arose from XXXX XXXX own failure to disclose critical information and to honor the terms discussed during the loan negotiation process.
Product: Credit reporting

All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all three credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all XXXX reporting agency 's. The XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct this information and delete this account. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, XXXX XXXX XXXX
Product: Mortgage

My loan was transferred in the last couple of months to Shellpoint Mortgage. My rate of interest is fixed rate at 1.99 percent. In XXXX, Shellpoint inexplicably increased my rate to 8.00 percent and coded my loan as variable rate. Please note that my loan that was originated approximately 20 years ago was originally a variable rate HELOC, but was modified over a decade ago to 1.99 fixed rate. 

I contacted Shellpoint telephonically on XXXX XXXX XXXX with all this information and was assured that they would get it resolved within 30 days, which I think is excessive to start with. I would told they could not find my " contract ''. I was told that someone would get back to me " hopefully that day '' once they find my " contract ''. 

Having heard nothing, I wrote a letter to Shellpoint on XX/XX/XXXX and in the meantime have sent online messages requesting immediate resolution as my payment, due XX/XX/XXXX, has increased approximately {$700.00}. I again called today and was told that the expected resolution time frame is now 94 days!!! I was also told that I am expected to make my payment on XX/XX/XXXX at the increased amount. This, of course is totally unacceptable.
Product: Mortgage

Our issue is with Nationstar Mortgage ...   Company fails to provide timely Monthly statements. constantly find errors in their accounting and escrow obligation and the latest which is why we are reporting them ... we notice they had changed our address without us requesting a change or giving them authorization to do so .... So they are sending our Monthly statement to the address of our attorneys ...   which caused a late of payment, which we already paid ... But hold  Nationstar li able for the negligence, constant errors, and not following Mortgage regulations.     We ask the CFPB to look into this company as we have several mortgages with them and this is not the only account we are noticing issues. As well as we notice the same pattern   XXXX   XXXX   XXXX   XXXX   XXXX   is being sued for .... And feel Nationstar should be reprimand before they continue to cause harm to the public ... Just like  XXXX  has already done ....
Product: Credit card or prepaid card

On XX/XX/2023, it has come to my attention that XXXX XXXX has included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that RESURGENT/LNVN FUNDING has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Product: Checking or savings account

I had authorize a stop payment to chase two months ago and theyre still charging my account
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 and I seek appropriate redress for these violations.
Product: Debt collection

In an attempt to collect from us, when we were in dire times, they called the home of my husband 's ex-wife and spoke to her husband about our delinquency and the fact they were trying to collect our late mortgage payments. This was Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX  because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.