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

Title 15, United States Code, Section 1681, paragraph ( 2 ) ( a ) ( i ) pertains to the Fair Credit Reporting Act ( FCRA ), a federal law that regulates how consumer credit information is collected, used, and shared. This section of the FCRA specifically addresses the definitions used in the Act.

Section 1681 ( 2 ) ( a ) ( i ) defines the term " consumer report '' as follows : " ( 2 ) Consumer report ( a ) In general. The term 'consumer report ' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( i ) credit or insurance to be used primarily for personal, family, or household purposes. '' In simpler terms, a " consumer report '' is any communication by a consumer reporting agency that contains information about an individual 's creditworthiness, credit standing, reputation, and other relevant aspects of their financial behavior, which is intended to be used for evaluating their eligibility for credit or insurance, primarily for personal, family, or household purposes. 






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Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602 A. states that 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters out over 60 days ago and still haven't gotten a response back. I feel like they are ignoring my issues because I thought they had 30-45 days to respond.
Product: Credit card

Hello, I had an unexpected death occur in my family and therefore needed to travel to attend the funeral and help with arrangements. This was unexpected and I ended up being XXXX   days late with my payment. The XXXX  I noticed this/remembered, I immediately called Comenity/XXXX XXXX XXXX XXXX I called them at the number XXXX on XX/XX/year> at exactly XXXX. I let the agent know, to which they said nothing had posted yet so there wasn't anything they could do, HOWEVER, they said to call again in a few days and an agent would be able to help me and remove the late fee for hardship. 

I followed what the agent instructed and called again at the same number ( XXXX ) on XX/XX/year> at exactly XXXX. I explained the situation to the agent that I did with the last agent and I also said I was trying to repair my credit, I have GREAT payment history with them and have always paid my card. The agent agreed that I had beautiful history with them and she proceeded to waive/remove the late fee. 

However, I called today on XX/XX/year> and spoke with an agent named XXXX. I explained everything to her as stated above and she said " there's no notes left on the account ''. I told her, an agent did remove the fee originally and that this was on a recorded phone call, as I know companies record them for training purposes. I asked if there was any way to access that so she could know the fee was originally waived. 

What she did do was issue me a {$15.00} credit toward my account, however, this was not a fee reversal and I was still going to technically be paying for said late fee. A fee to of which should not have been there, as the agent had removed/waived it for me. 

Unfortunately, the only way to prove this would be by accessing the phone recordings which I as the consumer do not have access to. It is recorded, saved and documented that this fee was removed over the phone while I was speaking TO an agent. There is no reason why I should still be getting charged this fee anyway and still have to pay it when an agent themselves removed it from my account. 

I went through a hardship and unexpected death and the company proceeds to charge me anyway with a late fee that they themselves admitted they could, would and DID remove. Regardless of there " not being notes on my account '' an agent did remove it over the phone and also confirmed when she was finished and that it was gone. 

Unfortunately with Comenity, my balance always posts on a delay. If I had seen this sooner than today, I DEFINITELY would've called IMMEDIATELY.
Product: Credit reporting

Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( 1 ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with one response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX XXXX  NUmber account : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Mortgage

Had major flood In The home. Insurance company paid out $XXXX to me and XXXX XXXX XXXX. XXXX sold mortgage to Flagstar Bank. I paid for all repairs to be done in my home. Sent proof of this to all banks involved. Requested that they refund all money to me as all work has been completed Or take the funds and apply to mortgage payments as I fell behind in mortgage payments.Neither was done. Flagstar has now foreclosure on my home and the house will be auctioned off on XX/XX/2019.  Flagstar still refuses to forward to me the $XXXX   and insist on requesting an inspection and more documents to be sent to them.
Product: Debt collection

First the equifax, XXXX Shows the car was involuntary repoed. Which is false. I ask them come pick up. It's reported there was never a payment made on time which is also false. I paid them over XXXX for period of 4 years. For a XXXX XXXX XXXX which is way over fair market. They reported the acct still active and open they have had the car back over four years. Acct been closed that long. Wrong last activity on reports. I have repeatedly ask them to provide an amt the car was sold for with no revale. 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion the accounts listed violated my rights, XXXX XXXX ( # XXXX ) 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 ) 15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A Section ( 2 ) states a consumer reporting agency can not furnish account without written instruction 15 U.S.C 1681 Section 623 Section ( 2 ) states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

I also submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Overview Account number XXXX  15 Account status Late 30 days Available credit NA Reported balance {$23000.00} Credit utilization NA Date opened XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for $ XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a XXXX XXXX  XXXX as well that they will not let me take off even though it is not mine due to their policy of XXXX. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you
Product: Credit reporting or other personal consumer reports

Please refer to my original complaint. I do not know why it was closed when it was not resolved. 

Original complaint # XXXX
Product: Debt collection

Re : Aldous and Associates acct : XXXX, opened XX/XX/2020, highest balance {$100.00} Regarding Fair Debt Collection Practices Act Violation Dear CFPB, I am writing to file a complaint against Aldous and Associates for violating the Fair Debt Collection Practices Act ( FDCPA ). 
These debt collectors placed a collection items on my credit report without providing me with the required validation information under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they did not give me a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

These actions constitute deceptive means of debt collection as they furnished information to credit reporting agencies without proper disclosure, in violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-5 2 ( 7 ) ( a ).

I request that the CFPB investigate this matter and take appropriate action against the debt collector. Due to investigation I am also requesting debt validation information from the collection agency, including : * An explanation of the alleged account balance * A complete breakdown of the account balance, including a payment history * Documentation of my agreement to pay the debt ( including signature ) * Documentation of my permission to report the debt on my credit report * A copy of the purchase agreement that grants them the right to collect * A copy of their state license number authorizing them to collect in your state * Chain of custody documentation for the debt I have not provided any consent to the collection agency, and using my social security number without my permission may be considered identity theft. I have report them to the appropriate authorities, they fail to provide the requested information. Due to investigation purposes, I ask that the above collectors do not reach out to me in no form of communication, through text/phone/emails. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information reported on my credit report. Under the authority of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my right to opt out of the sharing of my personal information and request that you correct the inaccuracies on my credit report. The specific account in question is : XXXX XXXX XXXX  XXXX XXXX. The information being reported is incorrect because the payment history on this account is absolutely inaccurate. In accordance with 15 U.S.C. 6802, I am requesting that you : Verify the accuracy of the information being reported. If the information can not be verified, it must be promptly deleted from my credit report. Cease sharing my personal information with third parties without my explicit consent, as per the opt-out provisions of the GLBA. Provide me with a confirmation that these steps have been taken and that my credit report has been corrected accordingly. Enclosed with this letter are copies of relevant documents supporting my dispute. These documents should be used to substantiate my claim and facilitate a swift resolution to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

My booking confirmation was canceled within 24 hours with this business that operates in the XXXX and directly with the airline company. I am also charged twice for the same transaction from XXXX XXXX ( {$1300.00} ) and Afterpay ( {$1400.00} ), which are both buy now pay later companies. However, they are stating I owe the full amount of the purchase, even though, the services were not rendered.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXXXXXX XXXX Balance : {$25.00}
Product: Mortgage

My wife and I have 2 parcels on the current mortgage. We live in a home on parcel 1. We wish to build a new home on parcel 2. To do so we need to have parcel 2 released from the current mortgage. Planet Home Lending ( after weeks of waiting ) sent us a checklist of items ( 10 ) to prepare and send back to them. When attempting to complete item 8 on the checklist, the appraiser we contacted informed us only the bank could contract an appraiser in our state. I advised Planet Home Lending of this on the phone on XX/XX/2019 and was told to just complete the other 9 tasks and they would handle the XXXX. 
On XX/XX/2019 I sent the completed packet to Planet Home Lending. Their paperwork stated it would be a 4 to 5 week  process. 
On XX/XX/2019 Planet Home Lending deposited our check ( a fee for processing this partial release application ). 
On XX/XX/2019 I spoke with " XXXX '' at Planet Home Lending. He stated their most recent notes showed they sent me the checklist but nothing further, they had not received it. I informed him my check had been deposited by his institution and voiced concern. After placing me on hold, he returned to tell me they did in fact have my application. I was also told it was still under review by the appropriate department. 
As one can see, it has been longer than 4 or 5 weeks. Planet Home Lending deposited my check approximately 9 weeks ago and I have yet to see any action taken. My builder for the new home is kind enough to keep reminding me the prices keep going up. Planet Home Lending 's feet dragging and lack of action is costing me additional money as well as keeping my family from building and moving in to our new home.
Product: Mortgage

I currently have a mortgage with Wells Fargo Home Mortgage. I've had this mortgage for 12 /12 years, which I am trying to refinance since I divorced my wife and it's a stipulation on the divorce decree. The home is worth close to {$700000.00}, the amount left on the note is approximately {$270000.00}. I started the refinance process back in XX/XX/XXXX and Wells Fargo keeps asking for documentation that I have provided time and time again. Back in XXXX my now ex-wife and I filed for bankruptcy and the bankruptcy was discharged in XX/XX/XXXX. The bankruptcy doesn't even show on my credit report anymore, but since my ex-wife 's name was on the current mortgage, I was asked to provide a copy of the divorce decree that showed that she didn't have any interest on my home. Wells Fargo keeps asking for documentation on the bankruptcy, which I have provided, which at this point is irrelevant, and XXXX XXXX, the so called Home Mortgage Consultant keeps ignoring my e-mails and phone calls. At this point I know that this is discrimination, because when I was married to my ex-wife who's XXXX, we had no issues with Wells Fargo Home Mortgage, but now that it's only me, who I'm a XXXX person, I get no responses and keep getting ignored.
Product: Vehicle loan or lease

Capital One auto loans website for payments seems to offer opportunities to make additional payments or payments well in advance of when they are due. In fact, when I try to make added payments on principle their system advises me my bank refused to authorize payment. That is a lie, they don't even ask my bank to make such payments. I have spent hours with their people trying to sort this out and have become convinced that they do not want earlier payoffs and the saving of interest from their customers. Their answer is to tell you can always call in the payment. This is both inconvenient and time consuming and I believe it is intended to prevent early payoffs. 

Reality is that making payments on low down payment loans likely keeps your equity below the value of the car. A borrower can never get ahead, even if they have the ability and desire to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I received my benefits on my Direct Express XX/XX/2019. At XXXX I withdrew {$250.00} from my account at an XXXX ATM. I had a balance of {$45.00} left in my account. On XX/XX/2019 at XXXX I ordered food from XXXX XXXX XXXX  XXXX for {$23.00}. that left me with a balance of {$22.00}. On XX/XX/2019 at XXXX I slid my card for some XXXX XXXX XXXX in the amount of {$8.00}. On the XXXX of XXXX when I called to check on my benefits due on that day. I was unable to check my balance and wasn't able to use my card to make purchases. I have been trying to contact Direct Express since XX/XX/2019. Direct Express has been unreachable they have not sent me anything in the mail or via email. The past couple months has been very difficult not being able to receive my benefits.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$200.00}
Product: Debt collection

I subleased an apartment before I moved back to XXXX. I was not responsible for any payments on the apartment because everything was set up wit XXXX XXXX Apartments before I left. I attempted to reach out to XXXX XXXX but they are no longer there, it is now a different neighborhood. This debt was originally reported to my credit in XXXX as {$730.00}. As of XX/XX/XXXX, it is {$310.00} so now Im confused on the inconsistencies and no one is reaching out to me with any updates in regards to what is going on. I wasnt aware an debt was even reported until XXXX when I was looking at a deeper credit report and then I checked my credit report again today and the balance is different but no one told me anything. I received a letter in the mail with the new balance asking me to pay from Southern Management Systems , Inc but this is the first communication I have ever received from them and I still dont know how the balance has gone down when I dont owe anything. 

I have all of the documents from when the apartment was sublet. 

I would really appreciate this situation taken care of and removed from my credit.
Product: Debt collection

I received hospital care last XXXX. Part of that was a consult from XXXX XXXX XXXX XXXX XXXX. My name on the bill received was incorrect. I contacted XXXX and told them the amount was covered by my medical Insurances and I gave that information. However, I kept getting bills. I spoke to XXXX multiple times. I wrote two letters. I was told multiple times, that this will be taken care of and I would hear back. This has not happened. It was like starting over with each person I talked to- they appeared to have no knowledge of the information I had provided or my attempts to correct this error on XXXX 's part. At XXXX 's request, I called XXXX who told me the bill was paid. 

Now I have been contacted by a debt collection agency. Carter Business Associates- who states I owe this amount to XXXX XXXX , who I have never had any dealings will.
Product: Mortgage

I have a home equity loan with HSBC Mortgage Service Center XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, Mt XXXX, NJ XXXX ). On XX/XX/XXXX, 2013, I made a XXXX check payment of {$6000.00} towards my loan. According to HSBC 's payment policy indicated on their payment coupon, any amount above the monthly payment will be applied to the principle, but HSBC wrongfully apply the extra amount to XXXX times of interest and principle. I called them on this mistake, they admit this mistake, but intend to confuse me with mistaken calculations. This practice is absolutely not acceptable! The amount they should deduct from my account 's principle is {$1300.00}. Please instruct them to correct this mistake ASAP. Thanks!