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  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX Account XXXX : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : 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: Mortgage

On XX/XX/XXXX, I refinanced by property at XXXXXXXX XXXX XXXX XXXX XXXX Florida. 

Once the loan was funded I received notification that the servicing company was going to be XXXX XXXX XXXX and I established automatic payments for the new mortgage payments to be taken from my bank account. 

On XX/XX/XXXX, I received a letter from the bank saying that they were going to be switching servicing companies to Select Portfolio Servicing ( SPS ) effective XXXX XXXX. 

On XX/XX/XXXX, i received a goodbye letter from XXXX XXXX XXXX  saying the loan had been transferred back to themselves On XX/XX/XXXX i received a welcome package from SPS stating that they were the new mortgage servicer and as a result I set up automatic payments out of my bank account with the new servicing company. 

On XX/XX/XXXX, I called XXXX XXXX lending to ensure that the loan had been transferred as I did not want to make double mortgage payments. I spoke with customer service and they made it clear to me that they were tho OFFICIAL servicer of the loan and that SPS had no right to contact me and they said that I needed to continue to make my regular monthly payment to them or they would report a derrogatory on my credit report. I then called SPS and reported the problem and they empantically stated in contradiction to XXXX XXXX XXXX  that they were in fact the OFFICIAL loan servicer and they had document to prove it. They also suggested that if i did not pay them they would report it negatively on my credit report. 

I have been forced to make double mortgage payments since XXXX. Neither company will contact the other to help resolve this issue. I have made contact with each of the respective companies in excess of 15 times to report the issue and both insist that they are the correct servicer. Meanwhile my bank account has been drained. 
I am now broke. Neither company is wroking to resolve nor refund the excess payments and none are willing to resolve this issue. 
I have spoken with the highest levels of management from both companies and they express to me that nothing can be done within their scopes of authority to fix the situation. 

I need the government to step in an help resolve this and get my overpayments back. 

i have been shuffled around like a deck of cards from one lame customer service agent to another. I honestly can not tell you who is worse ... .Select portfolio servicing or XXXX XXXX XXXX. In my opinion they both are less that a XXXX out of XXXX. 

I am sure that there are laws in place that are supposed to prevent things like this from happening to a consumer. The long and short of it is that the companies hide behind their phone systems and emails and largely ignore the situation. 

I recently was advised 2 days ago that XXXX XXXX XXXX was going to transfer the loan to SPS on XX/XX/XXXX but they would not be refunding me my overpayment. 

PLEASE HELP ME get my money back. This is not right!!!!
Product: Credit card or prepaid card

American Express cardholder for many years. I have a {$3000.00} limit and used this card as 1 of many. In the process of new job and moving I incurred a couple late fees of a few days which I paid. I then find out they jacked my interest rate to 29.9 % and my monthly payment was getting me nowhere. At any time in my life I never not paid my credit card bills. I tried to resolve this with them and they were pretty obstinate, so I have cancelled my account, but felt I needed to complain about the unfair gouging they have done to me.
Product: Checking or savings account

Hello Representatives of the CFPB : I have waited with no response - from the agency you had forwarded the original highly egregious issue with BNY MELON ( XXXX ) XXXX Savings Account card fraud. Nothing!!! No one has contacted or corresponded about the issue or any type of action! What is going on?? How can people trust any banking system if you can't even get help with an HSA card? I have the total numbers and dates recorded with the XXXX supervisor on exactly the dates and amounts which add up to : {$350.00} in fraud charges. BNY Melon and XXXX show zero fiduciary responsibility here.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I created a Savings account XX/XX/2022 with Ally Bank, and submitted a deposit of {$400.00}, which was immediately withdrawn from my depositing account. At the time of the creation of the account, I was able to register for Online access, but was unable to access the online platform. I have been continuously unable to login to access my account or funds. On XX/XX/XXXX, I tried messaging customer support on their Website, and received no response. On XX/XX/XXXX, I called the company and asked for help, to which they told me a support ticket would be opened, and Id be contacted shortly. It never happened. Ive been unable to access my money for almost a month.
Product: Student loan

My monthly payments ( income based ) were doubled XXXX without my income doubling. I was already barely able to afford my current payments and needless to say this was becoming a XXXX financially threatening our young family ( we have XXXX young kids ). After contacting Navient multiple times both via phone and their portal I inquired as to how this was happening and what my options were. I was given no solutions or explanations via the portal ( all of this is documented ) and the only solution given via one phone call was forbearance. This is not a long-term strategy but given the circumstances and attempting 3 months of these unreasonable payments my husband and I decided for forbearance for 12 months. I had also asked for the calculation that lead them to this amount given that I was possibly eligible for extra income ( bonuses ) and this could further threaten our payments yet again no answer was provided and I could not make an educated decision about certain financial items. The income based repayment program appears random at this point and that Navient was unable to provide the calculation used to determine my monthly payments suggests the randomness and does not allow consumers to make educated decisions.
Product: Credit card or prepaid card

From XX/XX/2022 to XX/XX/2022, my Capital One Venture card was fraudulently used without my knowledge or permission for several XXXX purchases totaling {$400.00}. On XX/XX/XXXX I contacted XXXX, who confirmed that my Capital One card was NEVER used in my account or any of my family members. They told me I should file a dispute with my credit card company since this is obviously fraud. On XX/XX/XXXX I filed a dispute claiming fraud with Capital One. They immediately refunded me for these purchases with the stipulation that it would get reversed if they found evidence I benefitted from the transactions. On XX/XX/XXXX, the transactions were all reversed and I got re-charged by Capital One for the fraud purchases. I contacted Capital One, who told me that the case was closed without being able to reopen or appeal the case. I asked if they could provide any reason or evidence that I benefitted from the transactions, which they could not provide. Even though the original fine print said that they would reverse the transactions if they FIND EVIDENCE. I have since submitted additional evidence showing correspondence between myself and XXXX customer service showing that the purchases are fraud confirmed by XXXX. But I still have not heard from them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report that have unjustly impacted my credit score. Specifically, I am contesting the accuracy of a late payment reported by XXXX under account number XXXX, currently showing an outstanding balance of {$410000.00}. I request a review and correction of this account 's payment history. Additionally, I am disputing the reporting of an account listed by XXXX XXXX, originally from XXXX XXXX XXXX, under account number XXXX, which is inaccurately marked as an active collection with a balance of {$1600.00}. This debt was settled, and I request an update to reflect a zero balance and removal of the collection status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX XXXX 2. XXXX 3. Nation Wide Recovery
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against XXXX and TransUnion Complainant : XXXX XXXX XXXX 1. Introduction : I am filing this complaint against XXXX and TransUnion for their continued inaccurate reporting of a XXXX XXXX XXXX on my credit report. Despite receiving verifiable documentation that courts do not report bankruptcy records to credit bureaus, both credit reporting agencies have failed to remove the XXXX XXXX XXXX XXXX, but both agencies removed the XXXX XXXX 

Additionally, TransUnion continues to report accounts associated with a previously disputed XXXX XXXX XXXX that was removed, which XXXX has already removed the accounts associated with the XXXX XXXX 

2. Supporting Evidence Provided : 1. Court Letter : Confirmation from the U.S. Bankruptcy Court that courts do not report bankruptcies to credit bureaus. 
2. PACER Statement : Confirmation that no bankruptcy data is provided to credit reporting agencies. 
XXXX. XXXX Cease-and-Desist Letters : Requests to stop furnishing my data, including proof of opt-out and data freeze requests.

3. Violations of Federal Law : 1. FCRA Section 611 : Failure to conduct a proper investigation of disputed information.

2. FCRA Section 607 ( b ) : Requirement to maintain maximum possible accuracy in consumer reports.

3. FCRA Section 604 : Unauthorized access and use of public record data from XXXX despite opt-out and freeze requests.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2017 I was released of liability from an automobile repossession. the information was distributed to all 3 credit bureaus telling them that the debt was paid in full. I have tried several times since XX/XX/2017 however my reports still show a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my husband have a XXXX XXXX card that is not showing on my XXXX   account, and I also have a XXXX XXXX card not showing on my Equifax account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information accounts onsist of XXXX XXXXXXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXX opened on XX/XX/year> account number XXXX, XXXX XXXXXXXX opened on XX/XX/year> account number XXXX, XXXX XXXXXXXX XXXX XXXX opened on XX/XX/year> account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Opened a USBANK account about a month prior. Both a personal checking and Business account. 

Received a wire from friends the Company XXXX XXXX  in XXXX TX Attorneys funding my business for {$100000.00} The wire arrived Wednesday, money wire cleared Friday and I went to the USBANK branch, received a casheirs check for {$40000.00} and {$10000.00} cash advance. Leaving a total of {$49000.00} in one account and {$7000.00} in another. 

Sunday I went online with the USBANK account, scheduled a wire for the following business day Tuesday due to bank holiday presidents day and also a zelle to a friend for {$1500.00} The account signed me out and message box appeared telling me to call the bank. 
I did and while I was on the phone I was told it was due to my VPN used. 
My daughter has also been provided by myself with my log in details incase she was in an emergency situation with my XXXX  on the XXXX XXXX. 

At that time while on the call another USBANK line called in, someone asking me many questions who was the originator of such a wire? why did I open a USBANK account? what money was I sending and why? 

I was told the account is NOW CLOSED we do not want your business and if after research we deem this transaction is legitimate we will return your funds in a formal check, no email or phone communication will be made only a check in the mail. 

When I asked about the time frame, I was told we dont know? 

I checked the account XXXX  expecting the account closed it was not only online access blocked and I could only be allowed to hear the balances in the accounts. 
{$49000.00} in one and {$7000.00} in another.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX ( the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all XXXX credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct XXXX
Product: Checking or savings account

Bank held payments which led to Inaccurate account info causing overdraft fees on numerous occasions
Product: Mortgage

My husband XXXX XXXX and myself XXXX XXXX have been defrauded by United Shore Financial Services , LLC. They refuse to send copies of monies in escrow for insurance payments and taxes and when they do it 's half a year later. They block my login attempts and refuse to answer calls from my numbers unless I use another phone number and when they find out who I am they transfer the call to a voicemail that says it 's full. I have all conversations recorded. Were owed over XXXX dollars just for insurance payments, which my community has a blanket policy that covers inside and out of our property. It 's been year since this money was to be returned and has not. UWM stopped sending monthly statements and will not reply on this issue. We 're also owed for over payment in taxes through monthly escrow built into monthly payments. I made 2 payments on XX/XX/XXXX, 2 payments on XX/XX/XXXX in XX/XX/XXXX. They have charged me over a XXXX dollars in fees with these scams. This ca n't be legal and I have all phone conversations. My loan was also sold when it was never to be sold and this was all clear from the start. I have ( XXXX ) and need monthly statements because of the XXXX I have and UWM were provided this information my husband XXXX XXXX has MPOA, POA and takes care of the mortgage. UWM say 's when I call they 're collecting a debt but what debt. If when I made the 4 payments I was behind why was no correspondences sent? I also would like all future statements sent certified so I can be assured I get them. I 've received nothing saying that I 'm behind in anyway and if I was behind 4 payment why were they not moving towards foreclosure? I was also charged a fee on the last statement I did receive for an inspection, which never happened. I need help with this matter and strongly believe Federal and State laws have been broken and need help desperately. It 's inhumane to be treated this way by anyone let alone an individual with XXXX. I ca n't believe that any of this could be legal in the United States. Make no mistake I have tried to resolve this issue myself before filing with the ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an account with Barclay 's Bank Delaware and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, XXXX, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. 
Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed in my consumer report. 
ACCOUNT ANDALLEGED LATE PAYMENT DATE As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.