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

On XX/XX/2021, I sent a letter to Transunion regarding my rights being violated. Transunion is completely ignoring the law. I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. You are required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation showing that you have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.
Product: Debt collection

I called to see how much money was in my bank and found it was garnished by Asset Acceptance. They claim I owe on a debt that I already paid to XXXX XXXX, attorney in Oregon. I paid this off XX/XX/XXXX. Apparently there was a judgment for this paid off debt XX/XX/XXXX. I called XXXX 's office and they sent all the paperwork to Asset acceptance, who just garnished my checking account. I originally called XXXX in XX/XX/XXXX to see if I was making my last payment when I was told the account was transferred back to Asset Acceptance and was given the number. I called to make sure that was my last payment and was told I was not showing as owing anymore. Fast forward to today, I had XXXX garnished from my bank account and I am told I had a judgment and I still owe the full amount. My husband had to deal with this same company last year when they called everyone in the family and claimed to be a law firm ready to take our home, harassed the family and his work, for a debt he already paid. He got the money they took back but it took a month. How are they still in business and how can I fight this? I had no notice, nor contact with this company, so how are they able to garnish my account for something I do not owe? Please help!! How do I stop this. I talked to the attorneys doing the garnishment and notified XXXX 's office, but they said they sent all the copies to asset acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Equifax still have not provided me with the information that I requested of them. Attached is the letter that I sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

This debt was filled XX/XX/year> at XXXX XXXX XXXX for the amount of {$1700.00} Filing number XXXX by Hall and Associates XXXX, # XXXX XXXX XXXX This debt is over 10 years old and has expired According to the Tennessee law they can't continue to resolve the debt from me. I was like to get a letter from Hall and Associates that my debt has been released and that I no longer owe this debt of my credit report
Product: Mortgage

I believe there is an illegal compensation kickback scheme at Key Mortgage Services XXXX Inc. NMLS # XXXX between employees XXXX XXXX XXXX and XXXX XXXX XXXX. Further, former employees XXXX XXXX and XXXX XXXX XXXX XXXX were terminated to cover up the system. Several current employees informed me of the scheme but are too scared to make a complaint because XXXX and XXXX were fired for bringing up the info.
Product: Money transfer, virtual currency, or money service

I am filling 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 financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/year> I decided to try Chime Deals. This is the cash back portion of the banking app. I clicked that I was in XXXX XXXX. I bought what I needed to get. The transaction went through, but the cash back was never deposited into my account. This was very upsetting to me. I could have used UP for the cash back instead, but wanted to give this feature a try. Never again. It's been over XXXX months of dealing with customer service and telling me they are escalating my problem to never have it be resolved. At this point it's the principle of the matter. If a company offers a service on their app and then does not deliver, that is stealing. That is why I am reporting them to Consumer Finance. They should not be able to keep giving customers the run around and lie to them. If the cash back part of the app does not work, they need to admit it's buggy. I have screenshots and emails confirming that I am owed this cash back and still nothing.
Product: Credit card or prepaid card

Around XX/XX/2020 I received an unsolicited debit card from US Bank, in violation of law. On XX/XX/2020 I sent a certified mail to XXXX XXXX, in XXXX, FL XXXX to request the cancellation of the card. I did not activate the card. 
I suspect that someone else is trying to open an account under my name.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In XX/XX/ Bank of America pulled a hard credit inquiry then issued me a new credit card with a {$28000.00} credit limit. This was entirely unsolicited and without my approval. 

I called them and they claimed they would cancel the card and reverse the credit inquiry. 

This is after their recent fines for t doing the same thing.
Product: Checking or savings account

somoene hacked my computer and put a malware on it and was remotely using my computer logging into accounts to steal money to buy XXXX concert tickets i contacted one of my banks XXXX  XXXX and they immediately credited me and wells fargo has not given me any credit for clearly fraudulent transactions even on XXXX one of them was voided because of incorrect address all of my money was in that account and i just closed on a house and need my XXXX to pay mortgage and bills. wells fargo hasnt given me a credit. i took my computer to XXXX XXXX and had the malware removed and have proof of fraudent activity and they wont give me a credit.
Product: Credit card or prepaid card

I received a letter dated XX/XX/2020 informing me that the credit limit on my Chase VISA would be reduced by half within 30 days because I " spent far below [ my ] available credit limit '' during the preceding 12 months. 

I worry what this will do to my credit report ( s ) and overall credit score, and I may need the higher credit limit for a planned home remodel.

Can they do this? Do I have any recourse? 

Thank you for any and all assistance. 

XXXX XXXX
Product: Mortgage

Dear Sirs : Ive been with SPS since XXXX and have made payments online for that same amount on time. Since Covid-19 began, Ive noticed that in XX/XX/XXXX, SPS advertised a mortgage relief program for people who were affected with COVID-19 Assistance to the borrower on your SPS website. In XX/XX/XXXX, I was laid off due to COVID-19.

I specifically asked for a COVID Relief Assistance because I was laid off due to COVID-19. I was told I was approved for the COVID-19 Forbearance program and would pay {$390.00} a month, which I have paid on time. I started payments on XXXX of XXXX of XXXX. I have disputed this with SPS many times and I get no where with them. They are purposely ruining my credit, showing late payments, so I can not refinance. I am being held hostage! They are lying to the credit companies and telling them my payments were late and they were not. 

I accepted that offer of assistance. However, now that Im trying to refinance. I ran my credit report and I found that I am 4 months behind. Which first of all, violates what I was promised. I was reported late. Second, I spoke to representatives, XXXX and XXXX. They confirmed that I am in a COVID-19 program. I should have NOT been reported as " late payment '' to the Credit Bureau because I was affected due to COVID-19. I would have never done this program if you had told me that I would be reported to the credit bureau.

Finally, SPS is receiving government funding. As a requirement of receiving this funding, you are not to report the forbearance or any late payments! In my letter requesting this, I even mentioned that this was due to COVID-19 and I can use this as evidence. They have broken the agreement. I want to report this to the Attorney General, to Customer Financial Protection Bureau, and to the Federal Bureau Investigation, to have them investigate whether or not SPS has broken any federal laws. 

I have contacted XXXX, XXXX XXXX XXXX ) and many other managers at SPS and have agreed with me that this was a COVID forbearance and should have never been reported to the credit bureau. Your website even says you will not be reported. 

I have seen the written complaints that others have with SPS and I am thinking of getting an Attorney to start a CLASS ACTION LAWSUIT against SPS. You have caused many other home owners stress and anguish! 

XXXX XXXX XXXX XXXX XXXX Thank you very much for your help and please contact me with any questions. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I saw a lot of credit inquiry that i do not recognize : 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 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 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 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 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: Mortgage

I contacted Rocket Mortgage to check on their claims of very low refinancing rates. I did not provide them with my Social Security Number or an authorization to do a hard credit pull on me. However, I found out that they did just that and it lowered my credit score because of other authorized parties and credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report inaccurate information to credit reporting agencies. Equifax is not properly investigating & reporting. It states on my credit report that this account has been opened in XX/XX/2002. This is inaccurate & XXXX XXXX can not or will not provide data to support this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus have infringed my rights as a consumer, and violated multiple times on my behalf The Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) : the credit bureaus have to update/modify any and all accounts reporting accurately According to 15 USC 1681b ( 1 ) : the credit bureaus have provided written permission According to 15 USC 1681 : I have the right to privacy According to 15 USC 1681s-2 : 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.

( B ) Reporting information after notice and validation of incorrect reportings ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Product: Credit card

In online application was completed for a reserve line of credit. The system gave me an immediate approval of {$500.00}. After the XXXX day right to resend, I noticed that the line of credit was never opened. I feel this is a UDAAP and a truth in lending violation.

The representative showed no desire to research the matter.
Product: Credit reporting or other personal consumer reports

This is related to my initial complaints. I have completed my identity theft kit as the XXXX Bank requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD ACCOUNTS : XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX FRAUD INQUIRIES : XXXX OF XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. For XXXX, I have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was 2 years between the first charge and the one in question. They have opened another dispute about it. Also I called Regions bank to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Medical Data Systems I added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX opened XX/XX/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 a account without my written instructions 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 update late payments for following dates to current or delete account from credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experian has been constantly reporting late payments on my file since XXXX, I was not late. Ive disputed several times and told them XXXX XXXX reimbursed me if fee. Please have them to take off late payments or delete account because it has destroyed my credit score. Thanks. They had violated all of my rights
Product: Credit reporting or other personal consumer reports

cease and desust collections and cease clling and remove all cras
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit reports and seen I had over 230 inquiries. There's no way I obtained all these inquiries and some of the dates, addresses, and places of inquiries don't even add up. I've requested to have these removed immediately from the bureaus due to possible fraud and nothing has been done. XXXX  was the only credit bureau to actually look into this. I want these off my credit NOW!!! I know my rights when it comes to fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act Navient accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy. 

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Product: Mortgage

FILO Mortgage NMLS : XXXX not willing to honor pricing shown on XXXX XXXX XXXX and attempting to bait and switch. Showing a note_rate//APR//Fees of 3.99 % //4.003 % // {$390.00} but then via email only offering 4.00 % //4.222 % // {$6300.00} which is a huge difference in price.
Product: Mortgage

It was XX/XX/year>, when I signed the contract with XXXX XXXX, eager to secure my new investment property. The seller agreed to cover the title fees and recording fees through their affiliated title company, XXXX XXXX XXXX. Additionally, they offered a 2.5 % concession toward closing costs. I thought I had a great deal. 



As the closing process began, my loan was approved by XXXX XXXX - Homebridge Financial, but with a twist. The lender only allowed 2 % of the seller 's concession, citing XXXX XXXX XXXX guidelines for investment properties. 



At closing, the title company applied the 2 % concession towards my costs, as agreed. But just as we were about to finalize the deal, the lender unexpectedly put a hold on funding. They claimed I needed to pay the title fees, totaling {$4800.00}, despite the initial agreement stating the seller would cover them. 



I was shocked. My broker intervened, clarifying that the agreement and local customs dictated the seller pay these fees. We even provided evidence from XXXX XXXX XXXX guides supporting our stance. But the lender refused to budge. 



With no other choice, I reluctantly wired the additional funds, feeling I was being forced to overpay by {$4800.00}. We had to re-sign and close with new documents on XX/XX/year>. I couldn't believe the lender 's insistence had cost me extra money, despite the clear agreement and guidelines.
Product: Mortgage

LoanDepot broke the law regarding releasing the escrow balance from my account after i paid the loan in full. 
The requirement is 20 days total, not 15 business days as stated by them. 
My mortgage was paid in full on XXXX XXXX, 2016. Today is the XXXX day, and i still did not receive the escrow funds. 

XXXX Timely escrow payments and treatment of escrow account balances. 
( a ) Timely escrow disbursements required. If the terms of a mortgage loan require the borrower to make payments to the servicer of the mortgage loan for deposit into an escrow account to pay taxes, insurance premiums, and other charges for the mortgaged property, the servicer shall make payments from the escrow account in a timely manner, that is, on or before the deadline to avoid a penalty, as governed by the requirements in XXXX ( XXXX ). 
( b ) Refund of escrow balance. ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control.