23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The company was sued in XX/XX/2014 and forced to sale loans and to pay its customers for over charging them on loans and ordered to pay XXXX XXXX over 3 million dollars for fraud etc. my loan was transferred to another company and payments were made through my bankruptcy attorney recently the company contacted me stating I owe XXXX on my loan in which originally started at XXXX I've had the vehicle for almost 5 years close to being paid off leaving me to only owe a little over 2,000 so where the money has been going I have no idea. Who is the company that was transferred the account I've googled them and contacted them they can't seem to give me information and this company who claims they never went out of business name just changed in which I know is a lie I have the documents from my local federal court house along with payments that were made they are originally condor capital they're calling themselves condor secrunization trust now
Product: Mortgage

RE : Consumer Financial Protection Bureau & State of New Jersey Department of Banking & Insurance Complaint : Mischarged PMI ; Escrow Shortage Charges ; Escrow Late Fees Shellpoint Mortgage Servicing & XXXX Dear CFPB and NJDOBI, Please accept this as explanation of our request to file formal complaints with both the CFPB and NJDOBI against the two most recent former servicers of our primary residence mortgage, XXXX and Shellpoint Mortgage Servicing. 

As evidenced by the attached Escrow Analysis, we continued to pay monthly PMI insurance long past the required time based on attained equity in our home. We are requesting a refund of these overpayments. 

Also evidenced by the Analysis, we were being charged late fees for escrowed tax payments we were not responsible for making. These payments were entrusted to be made by the mortgage servicers so its not appropriate that we were made responsible for paying late fees incurred due to the mortgage servicers neglect in making timely payments. We are also requesting a refund of these late fees. 

Additionally, our monthly mortgage payment had increased annually for the past several years. Upon receiving the notices, we inquired as to why and were told the increases were to cover shortages in our escrow account. Were not mortgage specialists, only homeowners, but it seems reasonable to assume that its the responsibility of the mortgage company to properly forecast annual escrow requirements prior to the end of each calendar year. Likewise, although we can accept this type of error on a single occasion, this happened for many years which is unacceptable. Due to the obvious mismanagement of our PMI and the inappropriate transfer of late fees to fall under the realm of our responsibility, it seems likely that theres also something not right with the continuous annual escrow account shortages. Wed also appreciate an investigation into this matter and possibly a refund of these additional charges. 

It is important to note that we were not receiving annual escrow analysis statements from either mortgage servicer. At the request of our refinancing specialist, we recently had to call Shellpoint in the midst of the refinance process to obtain an Escrow Analysis copy. At some point in 2017, when our mortgage was still held by XXXX, we spoke with one of their mortgage specialists regarding the escrow shortages and with a request to eliminate PMI insurance. We were told we did not qualify to eliminate PMI. Knowing what we know now, that clearly that was not accurate and the information was grossly misrepresented to us. We reached our 78 % LTV and it should have been automatically removed. 

Your investigation into these matters would be greatly appreciated. 

With kind regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Am not sure who or where your getting data about me from to report on my credit but your recent investigation have removed 2 of my accounts XXXX XXXX XXXX XXXX XXXX credit card with account number XXXX - XXXX XXXX XXXX XXXX XXXX loan with account number XXXX Also you have reported my XXXX XXXX auto loan account wrongly. I currently owe {$23000.00} to this account but you have reported that I owe {$24000.00} correct your report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX have three issues each.XXXX, XXXX, and XXXX XXXX ... report should read removed.
Product: Credit card

my company is apart of my bankruptcy case who was served with notification of the bankruptcy from Federal District Court as of 2013. As of today they are reporting negative information against me regarding this bankruptcy case.
Product: Credit reporting or other personal consumer reports

I ( The Consumer ) recently checked my credit reports for XXXX & Experian and noticed that there was information listed on my report that is in violation of The Fair Credit Reporting Act : " 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
P.L 90-321 ( 82 Stat. 146 ) which is law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 USC 6802 : Obligations with respect to disclosures of personal information : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

I have attempted to reach out to both credit reporting agencies in regards to inquiries & improper information that are on my reports. To which they willfully did not comply with my requests. I hereby demand that XXXX XXXX XXXX provide me with the appropriate contract with my wet signature on it that gave them authorization to report anything referenced in the prospectus titled Credit letter XXXXXXXX XXXX Credit Letter Experian included in this complaint.
Product: Debt collection

There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to XXXX to the current holder, ECMC. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. XXXX/ECMC is not only reporting this inaccurate account on all XXXX of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from XXXX XXXX, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by ECMC. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor ECMC ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both XXXX XXXX XXXX and ECMC again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an ECMC staff member, informed me that ECMC sent an email on my behalf to XXXX XXXX XXXX on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.
Product: Student loan

I have repeatedly submitted deferment request for military service from XX/XX/2018 -XX/XX/2018 and XXXX  continues to deny every request. 
I have uploaded copies of my XXXX  and have even gotten XXXX XXXX endorsement that I was on military XXXX  away from my normal location. 

___ I have also submitted multiple deferment requests for being unemployed since XX/XX/2018 - which have also been denied. 

The company posts Denial letters where the reason for denial section is BLANK. Email responses from the company state that I did not qualify, despite XXXX XXXX endorsement on the request form!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX ; XXXX Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number XXXX XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit card

On XX/XX/XXXX, I realized that I was past due on my payment to Target Circle Credit Card ( Target Card Services, servicer to TD Bank USA, N.A. ). My payment was due on XX/XX/XXXXXXXX  and I immediately paid my statement balance. However, I realized I never received any e-mail messages or text messages about my balance or bill from the lender. I logged into their system and double-checked that all alerts were enabled and my contact information was correct. Although alerts for Payment Due Reminders, were enabled, I then checked their own system under " Alert History '' ( see attached screenshots, there was no alert sent for the Payment Due Reminder ) and realized that no mobile nor e-mail alerts have been sent for Payment Due Reminders. I did see that other alerts such as Transaction Alerts were sent. Thus, the lender 's system either contains a bug or a purposeful or accidental internal issue that is preventing any alerts about Bills or Payment Due Reminders from being sent to me. 

I reached out to the lender on the same day notifying them of this issue and asked how is this going to be fixed. I am not sure how long this issue has been occurring as I can not see the full alert history within the system but I have not received any e-mails about payment due reminders or bills since XXXX. I also mentioned that I have nearly XXXX XXXX XXXX with a credit history of 18 accounts and I have never missed a payment except for my Target Credit Card because of this issue. ( This is the second time this has occurred ). 

Their response did not seem to acknowledge the issue and instead told me my e-mail could be filtering alerts ( which is not the case because I receive other alerts from them ) or that I should enroll in auto-pay. I have provided screenshots of these messages. They also told me a late fee will be added if the minimum payment is not received by the payment due date. To me, this is unacceptable, especially when I have not received notifications of a bill due or payment due when I have these alerts enabled and am receiving other alerts. It almost seems intentional by the lender to charge me interest and late fees. I have never had this experience with any other lender and my payment history used to be 100 %, it was not until I experienced this issue with the lender 's lack of notifications that my payment history for my personal credit has decreased to 99 %. This is the second time I have missed a payment by a few days because of a lack of notification of bill or payment due by this lender.
Product: Checking or savings account

I opened a account at Ally Bank in XXXX of XXXX and deposited {$2200.00}. In XXXX of XXXX my access to the account was restricted so I tried calling the bank multiple times throughout the past 3 years and the customer service has failed to even explain to me why the account was locked. The last time I called the representive was unusually rude and said, " Like I'll help your XXXX XXXX XXXXXXXX ''. So a department of justice report on hate speech should be made because that's what I experienced with the customers service at Ally Bank, this occurred in XXXX of XXXX.
Product: Debt collection

Impacted my life terribly XXXXXXXX XXXX XXXX with the supreme of new York. Has violated Federal Credit Laws.

Not even my account. I took correct action they tried to steal my social security information when I was really young.
Product: Debt collection

I was contacted by Columbia Debt Recovery regarding a debt of {$400.00}. This debt allegedly stems from move-out charges for repainting one windowsill trim, which they claim was necessary due to " wear and tear '' upon my departure from the property. The issue in claim was a water ring left from a cup. 

I believe this charge is unjustified, as routine wear and tear is a normal part of tenancy and should not result in additional charges to tenants. I requested evidence to substantiate the claim, including invoices, receipts, or photographs documenting the condition of the trim and why repainting was deemed necessary. However, I have not received any such documentation from the company. 

This lack of transparency and failure to provide proof raises concerns about the validity of the debt. I have attempted to resolve the matter but have not received adequate responses or evidence supporting the charge. I am requesting that the CFPB review this situation and assist in holding the company accountable for providing clear, accurate, and documented proof of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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
Product: Student loan

I left the school early in the semester and the school is claiming the servicer has not returned the aid as requested.
Product: Checking or savings account

I need a new identity I've been getting fraudulent activity happening on my end for years it's like this is some sick joke just recently there was an activity any amount of a little bit over a XXXX dollars and I can't pay my bills I can't keep up I can't battle this constant fraud in my name I'm at the point where I just want to XXXX  myself cuz I can't do this anymore please somebody help me and this is going to stop why and why do I have to keep paying for it Chase Bank knows about this and they don't care I got a new account and still so what they do is just go back to the old account and say oh this happened and charge me for it when somebody's obviously stealing in my name
Product: Debt collection

lost my wallet that contained my driver license and social security card and multiple accounts where open using my personal information and a credit card with Comenity bank was open XXXX with credit limit of {$200.00} sent company a letter stating it wasnt mine it was open do to identity theft
Product: Credit reporting or other personal consumer reports

Dont know when this got on my credit report but I will like some one take a look or invest what some did this to me when Im XXXX period kept get me denied a lot of stuff and every time try applying I have come in identifying my self and I dont have time for this when just XXXX XXXX this just wrong plus gone threw some stole my identity and Im lost again I dont have my phone so lost all my information was in my phone. This not rite at all that someone do this to person who have XXXX and Im not able to find out what gone on with my account until my sister help me login and see what on my consumer report something Im not aware so need help
Product: Credit card or prepaid card

I received an award along with a {$50.00} American Express gift card from my employer earlier this year. I went to use the card, only to find out it has already been used to make a purchase on XXXX and only has a {$7.00} balance. I called American Express customer care, only to be told that the card is treated like cash and I have to resolve it with XXXX. I called XXXX, only to be told that I need the account information of the person or business entity that made the transaction. They refused to look up the transaction by the card number. I'll never know the account information of the person or business who used my card, and I had to pay taxes on this gift from my employer. This is incomprehensible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$79.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$8300.00} XXXX XXXX Balance : {$3300.00}
Product: Credit reporting

I have attempted for five years to have 2 liens from XX/XX/XXXX and XX/XX/XXXX removed from my Equifax credit report as they have been satisfied. I have gone through Equifax directly but have been unsuccessful. I answered that I had not done so because I no longer have the paperwork from the last attempt, over a year ago. 
Attached are screenshots that show I have no current liens. Please do what you can to have these removed from my Equifax report.