23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Cash app has taken almost {$140.00} from my account claiming in the month of XXXX and XXXX they had an error that caused them to pay merchants when there wasn't funds available so on XX/XX/202XXXX cash  app " updated '' a purches from XXXX for {$95.00} and then another transaction from XXXX for the amount of {$5.00}. I called to find out what was going on received and email about the error and explained to them that none of that could be correct because one I hadn't made a purchase for that amount and the purchase that I had for the amount around that time for and amount close to that which included shipping was refunded to me. They told me they would look into it but it could take up to XXXX days before I get my money back even when it's not the merchant taken the money. XXXX Friday XX/XX/2023 I get another deposit of {$100.00} and they have another " update '' from XXXX which again I'm not seeing any orders for the amount they are charging me for in the amount of {$34.00} that was taken out my account again for claims of payments that didn't go through so I call and at this time I told them they are just stealing money out of my account. They continue to claimed they don't have a XXXX that I should receive an email and XXXX of the reps hang up the phone on me even when I wasn't being irate. They are just stealing money with no proof of these transactions.
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 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 bankruptcy dismissed XXXX XXXX XXXX bankruptcy discharged XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XX/XX/XXXX
Product: Mortgage

The original VA home mortgage was through XXXX XXXX XXXX and sold to Carrington Mortgage Services , LLC . Original mortgage was 6 years old, and I have never been late on a payment. 

Carrington raised my payments {$140.00} a month without an explanation and on XX/XX/2018 when I called I was advised that they had added a 1/6 percent " cushion '' to cover any shortages in escrow that might happen in the future. I had the exact amounts that cover the tax for XX/XX/2018 and also the insurance, so there isn't a guessing game on what is or will be owed. 

This is wrong! If I come up short, I should be given the option at that time of paying the difference immediately or having the additional amount added to my monthly mortgage payment. This is no different that having to pay PMI.
Product: Debt collection

I had a dispute with XXXX regarding unauthorized charges & they started an investigation they requested more time but never communicated with me for over 3 years then suddenly I received a Court Summons from XXXXavalry Collection Company to appear in court for an excessive amount & I requested a list of all charges & I have not received same. Cavalry Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Submitted past years and XX/XX/year> FTC Copy if my DL Copy of my SS Card Reporting account that I do not own and reported various times. 

They have not returned proof of contract or company information they are collecting for. I've reported to unauthorized account and fraud and they continue to report on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20- I received a notification stating " Your Score Decreased ''. My score decreased by -28 points. 

XX/XX/20- I disputed the account because it isn't mine. 

XX/XX/20- Credit Score Decreased stating " Credit usage on your XXXX XXXX XXXX  XXXX XXXX account increased significantly to 96.40 %. '' XX/XX/20- I received a notification stating " Your Score and Credit Rating Decreased. '' My score decreased by -21 points. Nothing changed on my report and there was an open dispute because the account isn't mine. 

My score decreased -49 points within 9 days. 

I called numerous times trying to speak directly to representatives to try and rectify my issues, but I had poor experiences each time which resulted in me filing a complaint. 

XX/XX/20- I received a notification stating " XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX. This item was removed from your credit report. '' XX/XX/20- I received a notification stating " Credit Score Increase '' My score increased +10 points. 


I've tried numerous times to try and receive an explanation on why my credit score decreased so many points and when it was confirmed that it wasn't my account, and I haven't had any negative impacts to my credit, why my score did not increase more than +10 points?
Product: Mortgage

I applied to refinance the XXXX trust deed on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX today off loan XXXX for XXXX interest only. In connection with that a payoff demand was made XXXX XXXX which a CSR for BSI Financial Services confirmed was prepared by telephone on about XXXX XXXX XXXX. The lender states they did not receive the payoff request. Two other payoff requests were made on XXXX XXXX and XXXX XXXX again BSI verifies occurred but the lender states they did not receive. I asked for a copy to be sent to me. On XXXX XXXX I received a copy of a payoff demand letter from XXXX XXXX money lending who states that collect for BSI The amount they claim due is XXXX good through XXXX/XXXX/XXXX. On Friday XXXX XXXX I received a letter dated XXXX XXXX XXXX from BSI stating if I do not pay off the loan by XXXX/XXXX/XXXX they will issue a XXXX XXXX late fee of XXXX. My two lenders I am working with blew a gasket saying they have never seen such a thing. Furthermore the demand is inconsistent with the written correspondence and I believe constitutes mail fraud. And probably other crimes and offences.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that my credit score had changed. When I checked the alert it stated that XXXX XXXX reported that I was 120-149 days late on my payments. I don't understand why they would report that when they sold my account to XXXX XXXX in XX/XX/XXXX. I longer have a contract or even contact with them. I am current and update on my payments to XXXX XXXX. When I call I keep getting people give me different numbers but no one knows what I need to do to have it fixed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Payday loan, title loan, or personal loan

I took a payday loan out through Cash Express in XXXX, KY. After doing so my spouses mother XXXX  which caused me some time off work and then the father of my child quit his job so we lost our child support. Both things caused a decent decrease in my income right at the time I was supposed to pick up the loan. When I did n't pick it up they sent it to my bank even after I called and let them know I could n't pick it and I needed time. This caused the due amount to change to {$610.00}. When I went in to speak with the people who work in the store I was told this is a felony charge and they would take me to court at the sixty day  mark. Now I 'm freaking out!! They want me to pay the {$610.00} and promise to let me take out {$250.00} but I 'm still really in no shape to pick it up and I do n't know what to do. I do n't want to go to jail or have that on my criminal record. What should I do??? They want me to pick it up this week!!!!!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

The company is calling before XXXX CST concerning, a past due payment that is not 30 days old. The company called on Sunday concerning the same payment, which was XXXX/XXXX/2016, this has gone to far. During the conversation the representative was demanding payment.
Product: Debt collection

Midland Credit Management filed a civil case against me to collect funds for 2 accounts. 

- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The accounts are not mine. I didn't authorize anyone to use my information to obtain these accounts. We went to court and the case of dismissed. The accounts are still showing on all three credit bureaus and I would like for them to be removed. They are still reporting every month as if we didn't go to court.
Product: Student loan

I have requested my XXXX XXXX ( over 10 years working for the state and federal gov ) be credited properly to my account and my loan be forgiven. Also, I am now XXXX ( verified by fed gov ) and MOHELA won't acknowledge that either. Its been a nightmare dealing with them, please help.
Product: Debt collection

I have have attempted to repair my credit score for the last 3 years regarding a paid collections. I called XXXX in regards to my cell phone did not work properly in late XX/XX/XXXX. I was advised to pay extra on my bill to see if the system would repopulate somehow for my service to work. That did not work and so I changed providers in early XX/XX/XXXX. I paid the early termination fee and then in XX/XX/XXXX, I contacted XXXX in order to paid was turned out to be termination fees that I had gone to collections. The charges were over 200 dollars and I had paid another XXXX dollars to " satisfy '' the account. After the fees of XXXX dollars was paid, the derogatory mark still has been reporting to the three credit agencies. I can contacted XXXX, XX/XX/XXXX, to only have their representative tell me " it will only be on there 7 years '' as if this is not a big issue.I have had to pay more on interest rates over the last 3 years, due to having to explain each time why the collection, I.C system, still should on my report. I have reached out to I.C systems and was told that only XXXX can remove the report by simply contacting to do such. I have contacted XXXX, as recently as XX/XX/XXXX ( XXXX XXXX with 52 minute call duration. 16 mins spent on hold ) -XX/XX/XXXX ( XXXX XXXX with a 42 minute call duration on the first attempt was hung up on ). I will seek damages since my credit score has not been seen less than adequate due to this.
Product: Debt or credit management

I started using Lexington law credit repair service 2014 in hopes of getting my credit fix to buy a home, car and to have better credit overall. I was under the impression that I would have to pay XXXX and they will start working on my credit and then I seen that my debit card was charged {$60.00} a week later and the fees got higher as I went on monthly. I did reach out several times to ask about fees but I never got a real answer and I was always left confused. I even tried to add my brother on my account one year the company was advertising that if I have someone who would like credit repair but somehow I was charged more. It took years for anything to be deleted and some of my debt reappeared. I was just overall confused about how Lexington law credit repair worked. I would call in to check on my account but I always felt lost. Yes I do feel completely ripped off of my money I spent, time and also the embarrassment of being denied mostly everything i applied for but still having high hopes in Lexington law to help me out. I would like my money and the extra fees that I was charged for that was not properly explained to me. Thank you
Product: Mortgage

Thank you for allowing me the opportunity to address the derogatory credit with Ocwen Loan Servicing. This situation is a result of very unfortunate and unforeseen circumstances beyond my control. 
I purchased with the purpose of an investment property. Unfortunately, it is located in a Zone A area, with a high potential of flooding. In XXXX, during Hurricane XXXX, the property sustained substantial damage, in which the space was no longer safe to rent, and the tenants had to move out. When I brought the insurance adjuster over to inspect the house, I found out that the property was vandalized and burglarized, with all of the heating and water pipes removed, windows broken, etc. while vacant. At that time, the insurance company refused to pay any claims. While I was able to obtain different insurance coverage, I was forced to finance the repairs out of pocket. 
While slowly repairing the damages from Hurricane XXXX and the burglary, XXXX XXXX XXXX devastated the area, and the home sustained even more damages than during Hurricane XXXX. All repairs ceased and I had to start from the beginning. Like many homeowners at that time, I then had to fight with my insurance company to cover incurred damages. Unfortunately, the property was not covered by FEMA because it was not my primary residence. Although working with the insurance companies took a great deal of time, I was successful and was able to begin repairs. 
Throughout this time I have been in constant communication with the bank and had all intentions of rectifying the mortgage arrears once the repairs were completed. The series of events slowed down the process and made it almost impossible for me to be able to catch up. Unfortunately, since XXXX XXXX XXXX, the location of the property is considered severely depressed and unable to sell for anything close to the original purchasing price. I have been left with no choice but to sell the property for less. My attorney has been in negotiations with the bank to resolve this issue on my behalf. We have made some progress, as the smaller second mortgage was closed and discharged in XXXX. In the meantime I have been receiving letters from the bank and the attorneys representing them. Some of these letters have been quite confusing. The most recent correspondence, for example, states that the house will be auctioned at the XXXX County courthouse on " XXXX XXXX, XXXX. '' I have attached the most recent notice of sale that was sent. The next steps are unclear to me, as the dates on this document have already passed.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX XXXX are alleging that I owed an amount of {$15000.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. Account XXXX : XXXX
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( XXXX  ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( XXXX  ) ( 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: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry on my credit report from Comenity Bank on XX/XX/2020 that I did not authorize. I called XXXX to dispute it and have it removed but, I was told to contact Comenity Bank. I spoke with them and they said they would look into it and get back with me. I didn't hear anything from them so I sent a certified letter to ask to have it removed. Still no response so, I contacted XXXX again to dispute it and they said they could not remove it until they get authorization from Comenity. I sent another certified letter to Comenity Bank and called again. They said they did not see an account with my name or where I applied for credit. They again said they would look into it to have it removed. It has been six months and the inquiry ComenityXXXX/bjsw is still on my XXXX credit report. I am looking to purchase my first home next year and hope I can get this unauthorized inquiry removed. Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an alert through XXXX that a hard copy Mortgage inquiry from First Colony Mortgage. I first called XXXX XXXX that confirmed the inquires, they said it was showing on all 3 of my Credit Reports. I then called First Colony Mortgage ( XXXX ) and was told they didn't show any inquiry pulled. I tried unsuccessfully to put a freeze on my XXXX & XXXX accounts. I called The Consumer Financial Protection Bureau & they told me to contact you to place a complaint against First Colony Mortgage to get this hard inquiry that I didn't initiate removed!
Product: Vehicle loan or lease

Exeter finance refused to send notification that the vehicle was going to be repossessed. I found out when I tried to make a payment and the company demanded that I pay the full amount that was owed on the vehicle XXXX. They sold the car I didnt get a notification of sale. Then Exeter finance sold the account to XXXX XXXX XXXX ( Original Creditor : EXETER FINANCE LLC ) XXXX XXXX is reporting inaccurate information on my credit report.