23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint ( s ) are filed against XXXX XXXX .aka, Loancare aka ( loan ending in XXXX ) the collateral is XXXX XXXX XXXX XXXX with a payment of XXXX formerly serviced by XXXX, 2 ) the 2nd loan serviced by XXXX XXXX @ XXXX, formerly by XXXX XXXX XXXX and the collateral being XXXX XXXX XXXX XXXX ; the vagueness multiple names is cause for concern is confusing.to the ordinary person. In XX/XX/XXXX I had two loans with ) 1 ) XXXX and 2 ) XXXX XXXX, presently XXXX is now either XXXX  XXXX, or Loan Care, I have received billings with either name? simply stated their has been a transition in # 1 one above from XXXX to Loancare/XXXX  XXXX, that loan ends in XXXX and the monthly payment is {$560.00}, due on the 1st and late after the XXXX. My contention is that both these servicer 's intentionally process payments to " become late " to earn the penalty fee ( late charge ). Note, I send all payments to loan servicers by 1 ) proof of mailing 2 ) proof of service by mail by a 3rd party ; and a transition in # 2 from XXXX to XXXX? During the transition payments were made as directed in monthly billings although XXXX and XXXX were paid twice in XX/XX/XXXX instead of XXXX and Loancare/XXXX XXXX. Holding funds hostage is the name of their game, they are the gatekeepers of the payment received department and they have made my current accounts, all paid to date, late continuously incurring inapplicable penalties. The focus with Loan Care/XXXX  XXXX in the current debacle is payments made during XX/XX/XXXX and XX/XX/XXXX. First, payment was made through their online service and ( see attached ) on XX/XX/XXXX and a copy of the transaction was put in my files. Loancare 's negligence in processing the online payment was discovered when there was no deduction with the associated bank account for XXXX. Plaintiff, then wrote a check and sent it to Loan care 's XXXX XXXX address. Again, the transaction was not completed and no check was cashed. This was not discovered until the time the XX/XX/XXXX payment was due and after the payment due on XX/XX/XXXX was made. Loan care cashed 2 checks in XXXX, one on the XXXX and one on XX/XX/XXXX both for {$560.00}. It took 3 attempts to complete payment for XXXX, one online and two by check ( see attached ). What can your organization do for me?
Product: Mortgage

my name is XXXX XXXX my loan number is XXXX i apply for refinance at XXXX XXXX, freedom mortgage give a false statement about my loan that XXXX is late with payment 30 days 60 days and 90 days and XXXX XXXX cancel my refinance i pay {$490.00} for appraisal fee i ask for my appraisal fee back they dont want to give my appraisal fee back i want freedom mortgage give my appraisal fee back because freedom mortgage give false statement to XXXX XXXX i give all the paper work to freedom mortgage that they need
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is in violation of consumer rights to privacy from third parties ( Reporting agencies ). In violation of 15 U.S. Code 6802. I OPT out. 
In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; That disclosure was never received either electronically or a letter. I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and is explained how I can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report unauthorized inquiries and credit accounts that have appeared on my credit report. I have noticed these entries on my credit report and have reason to believe that they were not authorized by me. 

I request that the CFPB take immediate action to remove these unauthorized inquiries and credit accounts from my credit report as soon as possible. These unauthorized entries are damaging my credit score and causing me undue stress and worry. 

I would appreciate your prompt attention to this matter and your assistance in resolving this issue. Please let me know what further steps I need to take to ensure that this matter is resolved. 

Thank You
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Home Address : XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX I called XXXX XXXX XXXX XXXX in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that XXXX XXXX XXXX XXXX  has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with XXXX XXXX XXXX. When I complain XXXX XXXX XXXX  responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/XXXX credit score plunged 40 pts due to payment status changed to ( negative past 180 days for the period of over a year ) on XXXX XXXX reporting. Within a week I disputed with Experian, XXXX, and XXXX XXXX including a copy XXXX report from both bureaus of on-time payments for the negative days recently reported. XXXX XXXX has been on-going with consistently changing to inaccurate information. XXXX  has corrected information accordingly however, my Experian report remains the same ; Dispute dates with both bureaus are XX/XX/XXXX and XX/XX/XXXX. Additional incorrect information on reporting as follows : REMARK added regarding late payments, Payment status, balance due and initial open date. My main concern at this point is the negative remark and invalid late payments reported. Balance due of {$450.00} increased by {$240.00} on XX/XX/XXXX, after receiving the previous dispute. I guess this was a retaliation? I refused to pay the {$450.00} because it was paid by XXXX XXXX insurance, after an accident and the remainder balance was covered by GAP. 
Note : other documentation is available upon request and has been submitted to bureaus and debtor.
Product: Debt collection

Lvnv funding vis XXXX and XXXX sent me paper that i asked to validate debt XX/XX/2022 ... liars... they also sent me someone elses private information, what they owed, how they got judgement, kind of like a threat to me, plus why are they sending me something about another persons privacy matter, very wrong...
Product: Credit card

I have not used my Truist XXXX since XX/XX/XXXX, which I paid in full on XX/XX/XXXX. I have never used the card since. Fraudulent charges appeared on my account on XX/XX/XXXX. I opened a fraud report with Truist fraud department that same day, Truist case number XXXX. Since then, Truist has failed to investigate the fraudulent activity. My monthly statement does not show a dispute or fraud claim was made. They have now added interest and late charges on top of the charges I did not make. Yesterday XX/XX/XXXX I was called by Truist 's collection department. Despite telling the agent that the charges were in a fraud complaint, the agent continued to demand I pay the balance. I believe Truist is attempting to defraud me by pressuring me into paying something I do not owe. They should never have allowed the fraudulent charges to post to my account in the first place.
Product: Checking or savings account

On XX/XX/XXXX I made a purchase of {$120.00} with XXXX using my Ally Bank debit card. The item I received did not fully match what I purchased. I tried the item out, unfortunately it was defective. I returned the item via XXXX with a return code. XXXX received the merchandice back on XX/XX/XXXX. XXXX is refusing to refund me due to the merchandice being defective. I opened a dispute with Ally Bank. I gave them all the information including the return tracking information. Ally determined that the transaction was authorized and they immediately closed the dispute without informing me. They claim they sent me a notice on XX/XX/XXXX, however I have no record of this. I have a record of them sending me a message on XX/XX/XXXX stating they would get back to me within 10 business days regarding an initial determination. I also have a document from them on XX/XX/XXXX that let me know they are making changes to the online services agreement, but nothing in regards to my dispute. Ally insists there is a second message on XX/XX/XXXX, but I have nothing. Ally has let me know that the dispute is closed and they are refusing to reopen it, despite the fact that they acknowledge that I have returned the merchandice and the merchant has both my money and the defective item. XXXX also acknowledges my return has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed... attached is a copy of my credit report from XXXX XXXX bank that clearly shows misleading, incorrect, inaccurate information that needs to be deleted immediately... EVIDENCE IS IN BLACK AND WHITE, STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

An original complaint was filed incorrectly including XXXX XXXX and Hillcrest Davidson and Associates on XX/XX/XXXX Case number XXXX with the Consumer Financial Protection Bureau. XXXX XXXX, based in : XXXX XXXX Corporate Headquarters.  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX somehow does not show up in any databases and is unable to be contacted by government agencies. This contract was canceled on XX/XX/XXXX and is documented by accompanying attachments ( 5 ). The purported ( erroneous ) debt was turned over to an outside agency - Hillcrest Davidson and Associates to collect. I received exactly one letter from them notifying me of this matter. I promptly placed a phone call and explained the situation to them. I was told that the matter would be purged from their records on XX/XX/XXXX by XXXX ( no other information would be given ) at XXXX XXXX EST. I have had an exemplary credit record up until this matter and have always paid my bills on time. Most recently having a credit score of XXXX until this wrecked my credit rating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against US Department of Education for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the US Department of Education ( US DEPT ED ) on my Equifax credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right.

Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties.

Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information.

Willful Noncompliance Under 15 USC 1681n, the US Department of Education has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX Account Number : XXXX High Balance : {$14000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims. 
Requested Resolution I request that Equifax immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within 10 calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting

To whom it may concern : ON XXXX XXXX, 2016 I 've sent these dispute letters to XXXX, XXXX and Equifax a dispute letter and other valuable information containing my ID, drivers license, permanent resident card, passport, SSN, birth certificate, banking information, telephone information, all required information disputing information contained on my credit report. Now, to this present say, XXXX and XXXX removed all the negative information, Equifax has not to this present day even acknowledges they received the dispute letters and my personal information, and I DO NOT need my information just sitting there in their custody lost. I 've again mailed the exact same copies to the other addresses listed on their website on XXXX. XXXX, 2016 and I 'm receiving the same responses from Equifax , whether they received my dispute letter and information. I'am truly hoping your office can find out this information per my request, since Equifax refuses XXXX reply. I have all receipts from the post office confirming the delivery of ALL of my dispute letters. I mailed my personal information to these addresses : ( Equifax ) First dispute letter sent XXXX. XXXX, 2016 to this address : XXXX XXXX XXXX XXXX, GA XXXX and the Second dispute letter sent XXXX. XXXX, 2016 sent to this address : ( Equifax ) XXXX XXXX XXXX XXXX, GA XXXX, the only reason a second dispute letter was sent, XXXX and XXXX, 4 days later requested all the above information from me, and I still have those letters. I have NOT heard NOTHING from Equifax , and 5 days later XXXX removed ALL negative information from my credit report to include XXXX, NOTHING from Equifax! 
If Equifax is legally allowed to operate a business in such a manner, please file a complaint against this company for me, and I want to have a dispute placed against Equifax for legally, not following the FTC laws and personally not disputing the information I requested Equifax to dispute on my credit report.
Product: Money transfer, virtual currency, or money service

Its incredibly frustrating to rely on a system like Zelle, especially knowing the Consumer Financial Protection Bureau ( CFPB ) has even taken legal action over issues with it. Despite all this, Zelle seems to keep failing users by not offering basic protections. When I lost funds through the platform, they informed me it was impossible to track them. How can that be acceptable? Theyre neglecting their responsibility to protect customers, and whats worse, theyre allowing repeat offenders to exploit the system. It leaves everyone vulnerable to scams, and theres little recourse for those affected. Its a huge breakdown in trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX, Amount {$2100.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting according to what I read in the FRCA. I disputed this item first with the Credit Reporting agencies then sent a letter to the Collection company around XX/XX/XXXX and XX/XX/XXXX regarding the inaccuracies I have found. It is now XX/XX/XXXX and we have been going back and forth since, with no accurate changes. The date opened is reporting differently and the date of last active keeps changing and also reports differently every time I ask them to investigate. I know that is not right. I need this account removed for inaccurately reporting please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer ( XXXX XXXX ) on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud.
Product: Credit reporting or other personal consumer reports

I have been having an ongoing dispute with XXXX about a credit card that was never activated, was reported Lost or stolen.

Despite this card being reported as lost or stolen, they charged an annual fee of XXXX dollars and continued to try to collect. This card was never activated!!! they continued to report to credit card bureaus, even though this matter was brought to their attention numerous times. 

They previously agreed this information would be removed from my credit report, as of the last phone call they asserted they not removing it. 

I am a XXXX XXXX XXXX. This is the only derogatory information on my credit and it is substantially affecting my ability to sustain myself as my credit is how I earn a living.. 

It seems that there is a lack of communication between the various departments. Regardless, I have communicated this information in writing repeatedly and would like the negative information to be expunged from my record. 

I have previously reported this to their customer service, fraud department, as well as the office of the presidency with no resolution.
Product: Vehicle loan or lease

Chrysler Financial and the selling dealer have XXXX  this account up since day one. Constant issues. Finally able to setup auto pay for XXXX   payment and forward. No issues until I get a past due in the mail today XX/XX/XXXX showing no XXXX, XXXX, or XXXX payments made. XXXX?! Its on autopay, if there was an issue tell me in XXXX, or XXXX orrrrr anytime?! Same pattern of negligence and inconsistency since day 1. Every account rep has a different story, no information can be trusted, and nothing works.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CREDIT UNION HAS BROKEN THE LAW WHILE VIOLATING ME AS A CONSUMER!