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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upstart is the Original Creditor that put this on my consumer reports. Upstart Name is showing on my consumer reports. Upstart reported the ( Trade line ). Upstart CHARGED OFF this account. You can not report this as a charge off and collection at the same time. which one is it? 

XXXX XXXX does not have my account. I can only dispute with the original creditor which is Upstart. Consumer reporting agencies are saying they verify with Upstart. 

Upstart has illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Tradeline Reporting on XXXX, XXXX and XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Upstart it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal.

On the Consumer Report : XXXX  Account : XXXX  Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Payday loan, title loan, or personal loan

CASE XXXX - Conn 's XXXX XXXX - NOT XXXXXXXX XXXX - Do not send to XXXX XXXX  Case not relaited to credit card, but installment loan with Conns Billing Address XXXX XXXX XXXX XXXX, Texas XXXX Fax XXXX ( Department in question direct fax number ) Customer Service Compliments or Complaints - ( XXXX ) XXXX On XX/XX/XXXX I called to Conns XXXX XXXX and made an offer of {$1900.00} to settle out the account in full. I explained to them that I would like to use the provisions under the CARES act that allows contract terms to be revisited, I would like to make a final onetime payment of {$1900.00} to close out the account that day in good standing. The accepted the terms and processed the payment. I asked that day and have continued to follow up on the status of closing the account in good standing and sending me a letter stating that the account was settled on for XXXX. Several calls and emails I still do not have the letter and the account is still open accruing interest and requesting a payment due in XXXX. When I call, I am told the letter takes thirty days. After thirty days I called again, and Im told another thirty days. I follow up again and was told it was with the wrong department and they need thirty days. 
As of XX/XX/20 I have been informed that my payment was rejected from the settlement department reason listed as " not paid in full ''. It was explained that this final payment of {$1900.00} was sent to the settlement department and because the consider it to be a concession pay off it needed to be processed with a different department. I have given ninety-eight calendar days and approximately sixty-eight business days for this to be corrected. Plenty of time to at minimum close the account officially and then begin working on sending me confirmation of the closeout.
Product: Mortgage

I got a foreclosure letter in the mail, states, that I was behind on my mortgage and it's up for sheriff sale on XX/XX/XXXX. I called the mortgage Bank company to see what can be worked out before XX/XX/XXXX of the sheriff sale, the mortgage company told me I can try to work out a modification or either a short sale. I then called a realtor to see if they could sale my property, the realtor said they would reach out to some potential buyer 's that they knew might be interested in my property, the realtor reached out and got a respond back, of interest for my property with a offer. which then the realtor called me roll playing the offer and I agreed they follow up by sending me the documentation of agreement to sign, I then signed it and gave back to the realtor for the interest buyer, to get the ball rolling '' to sale ''. the realtor gather up the signed document of the agreement and contract, they send it off to the mortgage company bank to close the deal and the mortgage company bank rejected the sale and reply denied on accountability that it was to close to the sheriff sale date and they will see me in court on XX/XX/XXXX, I was clueless and the realtor was too.
Product: Debt collection

On XX/XX/year>, I engaged with Specialized Loan Services to prevent foreclosure on my home. Despite clearly outlining my need for specific documentation to access my XXXX for payment, the company failed to provide the correct documentation in a timely manner, leading to unnecessary delays. 

Upon finally receiving the correct document on XX/XX/year>, I promptly arranged for payment, only to have Specialized Loan Services refuse it on XX/XX/year>, claiming additional funds were required and it could take a minimum 5 days max 10 days due to it being a new month. This refusal, coupled with their inability to provide written justification, significantly hindered my ability to prevent foreclosure. 

Potential Violations : Real Estate Settlement Procedures Act ( RESPA ) Section 6 mandates timely communication regarding mortgage servicing and error resolution processes, which may have been violated given the failure to provide accurate documentation and clear communication. 

Truth in Lending Act ( TILA ) This involves disclosures about loan terms and conditions. The refusal to accept payment without clear, written explanation could impinge upon the acts requirements for transparent communication of changes to loan terms. 

Fair Debt Collection Practices Act ( FDCPA ) While primarily concerning third-party debt collectors, any misleading or deceptive practices by the mortgage servicer might be relevant, especially in communication regarding debt resolution.

Requested Resolution I request the CFPB to ensure Specialized Loan Services acknowledges its oversight, accepts the payment to bring my mortgage current, and provides a comprehensive written explanation for their previous refusal. Additionally, I seek assurance of adherence to established consumer protection laws to prevent future occurrences.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : SPRING OAKS CAPITAL LLC
Product: Mortgage

STATUS ID # XXXX Feedback provided on XX/XX/2019 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS WF reply is not in reality? False information on Balance of Unpaid taxes [ $ XXXX ] which I always pay myself. If you looked at my PAID Interest payments of XXXX and XXXX of $ XXXX, it left my Payoff balance for XXXX. WF is playing XXXX XXXX XXXX with the Interest? Payoff was XXXX not XXXX, How could anyone Payoff a Illegal Balloon of $ XXXX, or Foreclosure TWO MONTHS EARLY?? A Myth Their claim of Interest on interest is USURY and they'll be going to Claims Court for a Judgement against them. Why did CFPB not enforce this Violation? Have WF DEFAULT IN FRAUD BY XXXX XXXX, XXXX XXXX XXXX of XXXX
Product: Credit card

On XX/XX/XXXX of 2024, there was a charge of {$210.00} dollars from a location called XXXX XXXX XXXX. I then come to realize another two charges, both from the same location. These charges were from XXXX ( A location far from where I live ). I initially called on XX/XX/XXXX to dispute all the charges because they were not made by me as well as replace my credit card. I explicitly stated that I want to reverse these but they end up only replacing my credit card and leaving these charges undisputed. I had to wait around a week before calling again. This time they tell me that the charges were never disputed but that theyll go ahead and add that to the claim. I wait another week, with no updates and after more than the 5-10 days they told me I would receive an update, a letter finally arrives multiple weeks after disputing the charges. The letter then states that the XXXX transactions were adjusted and that I will receive credit for the issue. However, they never even disputed the charge of {$210.00} at XXXX XXXX XXXX. I had been patient and kind with all of the representatives during these calls so I was left wondering why I was not receiving quality care. Thus, for a fourth time I had to call to finally have it disputed. In the end, they rejected my dispute with the reasoning that I had it in my possession at the time of transaction. I am extremely dissatisfied and frankly, upset with the runarounds. I have never been to that location neither or would ever because one, i am not interested in their services, especially as a more masculine male. Two, Im not their target customer base. It has impacted my credit score and has made it much harder for me financially as I am a full-time student and work part-time to be able to support myself.
Product: Bank account or service

I wrote a check on the wrong Chase account which caused my account to be overdrawn. Chase reordered the transactions so that the largest item was paid first so that I had to pay XXXX overdraft fees rather than just XXXX.
Product: Debt collection

I am approaching a debt collection company to make them aware that I have fallen on very difficult times. I would like to see if I can avoid filing for bankruptcy, but that decision is quickly approaching. Therefore, I am requesting a very low offer in compromise to the attached collection letter as quickly as possible. I could borrow {$2000.00} from a family member to settle this account in full, but that is as high as I can go at this time. I have over {$120000.00} in unsecured debts, and my financial position is in bad shape at this time. This company can reply through the Consumer Financial Protection Bureau portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Record type : Public Record : XXXX XXXX bankruptcy dismissed ; Reference 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I got a loan of XXXX I was told by my bank or cleared. Never received a letter of phone till a year and half later from a company called American they didn't tell me their name when they called after doing some research I found their name. Tgey refuse to accept payment says they are suing me. When I ask their address they refuse to tell me and hang up
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. WELLS FARGO XXXX Balance Owed : {$6000.00}.
Product: Credit reporting or other personal consumer reports

Despite a fraud alert on my account Experian allowed several entities pull my credit report without my consent or knowledge; creating a series of hard and soft inquiries. I demand all unauthorized inquiries be removed, the accessing of my credit file without my consent to stop, and the freeze on my account to be enforced! 
XXXX XXXX pulled my report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX Consumerinfo.com pulled my report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulls my report weekly without my consent as I do not have an account with them. 
XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX  Option XXXX pulled my report without my consent on XX/XX/XXXX Transunion Interactive I pulled my report without my consent on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian credit reporting agency. I disputed a 20 year old item listed on my report as " XXXX XXXX XXXX '' in Michigan. It list an opened year on XX/XX/1997 but no last date of activity. This is a direct violation of my rights according to the Fair Credit Reporting ACT. This information must be removed and Experian refuses to dispute it on this basis. Instead they continue to inaccurately report it costing me employment and credit opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have failed to respond to my dispute letter that I send out on XX/XX/2021.
Product: Money transfer, virtual currency, or money service

Wanted to make an international transfer. I called US bank and was told the fee was {$45.00} dollars. When I went to the bank to make the actual transfer, I was informed the fee was actually {$50.00} and that the person on the phone gave me the wrong information. I proceeded to make the transfer. When the receipt was printed, there was an additional {$18.00} charge. I asked the teller to explain the additional fee, which he didnt know was there until he looked at the final paperwork. I requested manager review and the feedback was the manager also didnt know why the fee was there. I was informed that waiving the fee was not an option.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to sale and resale account which was never provided with a validation of signature and contest to contract. Company hired XXXX XXXX XXXX XXXX to send threating letters to address with aggressive calling. Disputed this once before and XXXX never validated request and did not comply to request according to FCRA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have refinanced our home on XX/XX/XXXX with " Better.com '' mortgage company. 
The mortgage terms include escrow for property taxes and insurance. 
They ( Better.com ) have serviced the mortgage with their servicing company called " XXXX XXXX XXXX ''. 
I was notified by Better.com that they have transferred my loan to a new mortgage company on XX/XX/XXXX. 
The new mortgage company is called " XXXX ''. 
The last payment to Better mortgage was automatically taken by " Better.com '' from my XXXX checking account on XX/XX/XXXX. 
I have received a letter from our town that the property taxes that were due on XXXX XXXX  were not received by them and that I am delinquent and that interest has started to accrue on the account. 
I called both mortgage servicing companies - the old one ( better.com ), and the new one XXXX XXXX XXXX. 
Better.com say that the it was the new company 's responsibility to pay the taxes, and they can't do anything about it. 
XXXX say that it was the previous company 's responsibility and that they can not do anything about it. 
I spent hors with them on the phone today, mostly waiting to be transferred to different departments. 
I can't understand how one company sells the loan to another, and both claim not to be responsible for the escrow payment to the town. 
Please help me, XXXX.
Product: Debt collection

In XXXX, I was scammed into signing a car loan agreement. At the end of XXXX, I received a letter from a debt collector saying we are trying to collect a debt you owe to First-Citizens Bank & Trust company XXXX We will use any information you give us to help collect debt. So I called them and talked to them. Then in XXXX a deputy came to my address and served me and I had to file with the clerk of the state court and serve the plaintiff 's attorney. I was served on XX/XX/XXXX. So I reported my identity theft to the police and even went to the DMV 's website to see if there was a car in my name. My MVR report shows me that there is no car or driving history in the state of Georgia in my name. And I updated the debt collector to let them know and the debt collector told me I would still have to sign the writ of possession.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows 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 XXXXXXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # : XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

around the time of the pandemic I received an advance from the small business association ( SBA ). one was for {$10000.00} and another was for {$5000.00}. because of those deposits Ally bank froze my account and ended up closing my account and keeping my deposits. I haven't heard from them about my funds that was deposited. its been over two years and i have not forgot about my funds. I spoke with multiply people from the sba and they all said the same thing that those deposits were legit and the funds should have been released to me. they also said it was nothing they could do until Ally bank sent those funds back to the SBA. Ally bank stop even talking to me once my account was closed. one of the reps from ally informed me that they had the power to just hold my funds for as long as they wanted. So I feel like I have been robbed of {$15000.00} dollars. SBA and the government is under the impression that i received those funds and i never did. Can someone please look into my case/account with Ally bank and help me resolve this matter. I just looked over my last account statement from ally and i remember that before those deposits were made my account had a negative balance of like {$2100.00} and when the deposits came in they cleared my negative balance and left me with a remaining balance of {$12000.00} dollars this was XX/XX/2021 bank statement. So they owe me {$12000.00} dollars. also at the end of that statement it shows that on XX/XX/2021 a withdrawal of {$12000.00} was made leaving me with a XXXX balance and i did not make that withdrawal.