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

I have recently reviewed my credit reports on XX/XX/ from TransUnion and have identified unauthorized inquiries that have appeared on my TransUnion credit profiles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, nor do I have any affiliation with the entities or individuals responsible for them. As a result, I believe these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date credit information, and unauthorized inquiries have the potential to negatively impact my creditworthiness.
Product: Credit reporting or other personal consumer reports

In XXXX, I wrote to the consumer reporting agencies to let them know, that you can not report income on a credit report. I have since received no response and the income is still reported on my reports as " charged off '' By XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You can not report income. Please reference the Privacy Act of 1974.
Product: Debt collection

This company repeatedly shared protected health information to the credit bureaus without a prior authorization of release. The medical diagnosis and procedures was sent not only to me, but to XXXX, XXXX and XXXX. This HIPPA Violation and FCRA violation is on going. I just recently found out that this information was also given to another agency as well XXXX XXXX XXXX XXXX, XXXX. The protected health information was breached more than 4 times that I have proof of.
Product: Debt collection

Requested written documentation of debts I was told I owed. Its been well over a month, and nothing from them. The requests were sent via Certified Mail through the USPS. Im trying to do the right thing by confirming this debt as it negatively affects my credit score. Without the info provided by the creditors or collection agencies, I can not move forward in rebuilding my credit. Its infuriating. XXXX XXXX XXXX in XXXX, VA and Lvnv Funding in XXXX, SC is where the Certified Mail was delivered.
Product: Credit reporting

Teletrack is listing XXXX inquiries well over the allowed 2 year period. XXXX is still there after almost 4 years, XXXX around 3 years old and XXXX nearing 25 months old. This is against FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have my rights 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

In Accordance with the Fair Reporting act 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
Product: Credit card

On XX/XX/year> I made my minimum payment they trying to tell me my bank account closed that I have used 3 month prior now there charging me a XXXX. XXXX  late charge. On XX/XX/XXXX I called and spoke to a person by the name of XXXX  she said payment posted and not to worry. Today I call and they put me straight into collections. This is avant credit card company and I think they are taking money out my account. I told them wasn't paying no more until my balance is fixed. They won't send me statements so I have no clue where all of my balance came from and now my credit is XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Mortgage

Shellpoint is saying I did not pay my XXXX HELOC in full. We submitted two payments. They did not apply it to the account correctly and now theyre reporting it to credit agencies that XXXX payment was late. Ive called at least 6 times. I called again today and they now said I owe almost {$600.00} for XXXX.
Product: Mortgage

I am writing to express my serious concerns and formally complain about Rushmore Loan Management Services, also known as Mr. Cooper, regarding the handling of my mortgage account and the impending auction sale of my home. 

For the past XXXX months, I have been making regular monthly payments, nearly {$2900.00} each, as part of my XXXX XXXX XXXX repayment plan. I have confirmation that these payments have been accepted by your company. Despite this adherence to my payment plan, I was recently informed that a sale date for my home has been scheduled for XX/XX/year>. This decision directly contradicts the verbal assurance given to me and my friend, XXXX XXXX, which stated that I would be allowed to continue on my repayment plan without the threat of foreclosure. 

Over the past XXXX years, my experiences with Rushmore have caused me severe emotional distress, particularly following the loss of my XXXX due to XXXX. The stress associated with the threat of losing my home has been compounded by the ongoing challenges I face as a XXXX XXXX with medical issues. I believe that your company has discriminated against me based on my age, denying me assistance to modify my loan on multiple occasions, which ultimately forced me to file for XXXX XXXX XXXX in an attempt to stop foreclosure. 

Moreover, I have experienced harassment from your representatives, including visits from XXXX real estate brokers who attempted to convince me to sell my home for a mere {$5000.00}. I firmly believe that falsified appraisal reports have been used to justify the sale of my home at a price well below its market value. 

Given these circumstances, I demand that Rushmore immediately cease all foreclosure actions against my home and halt the scheduled auction sale. I insist on being provided with a loan modification plan that accurately reflects my financial capabilities, as I have requested numerous times in the past. 

I implore you to investigate these predatory practices that affect homeowners, particularly vulnerable individuals like myself, here in XXXX. I expect a prompt and reasonable resolution to my complaint, including the immediate cessation of all foreclosure proceedings against my property. 

Thank you for your attention to this urgent matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a Conn 's Appliance account was opened using my name/SSN, on XX/XX/XXXX. I have since disputed this account to be take off several times with XXXX, XXXX XXXX XXXX. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via XXXX was that the account is mine therefore it will not be removed. This reporting is severely messing up my credit. The other accounts that my name/SSN were used to open, those companies responded right away ( XXXX XXXX XXXX XXXX XXXX XXXX and promptly removed those accounts from my report. Conn 's refuses to take notice of the evidence I provided and remove these fraudulent charges off my report.
Product: Payday loan, title loan, or personal loan

Theres an account that has been open fraudulently in my name and my debit info was used I contacted them and even disputed this threw XXXX and nothing has changed. 
This is not right by far I'm a victim of identity theft and XXXX XXXX is keeping my money and now this XXXX, when I contacted self lender they was very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failing to provide documents listed below : I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect above-listed alleged debt. Cease & Desist all collection activities including reporting to consumer reporting agencies ( CRAS ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAS. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without ant break of chain.
Product: Credit card

capital one is hitting me with a 30 day late on my credit report. 

between XX/XX/XXXX-XX/XX/XXXX i had setup automatic payments via their website. the payments were supposed to come out of my account on the XXXX of every month. for some reason capital one never withdrew the money from my account. 

Capital one didnt contact me via phone until i was 36 days late. i immediately paid the balance owed. 

now i have a 30 day late on my credit report if capital one system would hav eworked correctly or they had contacted me prior to the 30 days, this would not be an issue i dont think my credit should be stained because capital one system didnt work properly. 

at this point capital one has told me there is nothing they can do. i know this to be false. 

i havent been late on this or any other card in the last 7 years.
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 XXXXXXXX, 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 XXXX 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, credit repair services, or other personal consumer reports

This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on Transunion and Equifax 2. You verified High Balance as " {$2000.00} '', on all account beginning in XXXX, which is not correct 3.  You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on Equifax 6. Date of XXXX hasn't been updated since XX/XX/XXXX on XXXX 7. Actual Payment Amount is {$0.00} on XXXX  and XXXX  8. Actual Payment Amount is thousands of dollars off on all accounts on Equifax compared to High Credit 9. Account Status on XXXX  and Equifax is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts on XX/XX/XXXX on XXXX, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.
Product: Mortgage

The signed legal document for this loan, section 3D, discusses a " Modified Maturity Date on which this note will be paid after accounting for acceleration of the payment schedule resulting from biweekly payments rather than the monthly payment schedule used to calculate the Maturity Date described in section 3A above. '' The maturity date stated in Section 3A is " XX/XX/XXXX. '' FEDERAL TRUTH IN LENDING DISCLOSURE REQUIRED BY REGULATION Z " Your payment schedule will be. '' XXXX biweekly payments beginning on XXXX and ending on XXXX. 

We have made XXXX biweekly payments to the end of XXXX. We have set up an Escrow account at XXXX to receive and hold our automatic biweekly payments, as Wells Fargo could not set up an account for this purpose. We will gladly pay amounts that we owe to Wells Fargo when they show us the legitimate balance of our account. We have never missed a payment and to my knowledge we have not been late either, all automatic payments. 

We need a clear and complete amortization schedule to understand the " Modified Maturity Date '' as described in section 3D of my signed loan papers.

We have made repeated requests for a clear and complete loan amortization schedule, four requests beginning in XXXX of XXXX. I do not have a clear copy of the amortization schedule as of this writing. A clear and complete amortization schedule will allow me to discuss my loan history and discover why the truth in lending promises have not been met.
Product: Credit reporting or other personal consumer reports

I have mailed notices to the company on both XX/XX/XXXX and XX/XX/XXXX, instructing this company to remove the individual transactions and change the account disposition to " paid as agreed ''. 

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : This company is in clear violation of the law. Under 15 USC 1681 ( b ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I : give you written instructions to furnish this on my credit report? No Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " '' consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; TRANSACTIONS ARE IN FACT NOT TO BE INCLUDED ON THE CONSUMER REPORT, PER CONSUMER LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion contact information for XXXX XXXX XXXX is inaccurate. States that the address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with phone number XXXX. I sent a letter to this address to address it myself and it was returned as an incorrect address by USPS. When that was returned I checked it against my credit report and it matched. I then tried calling the number listed on the report and I get the message that number does not exist. 
The incorrect contact information means there is no way to verify the collection agency or the action taken by XXXX XXXX XXXX. This should be removed from my report.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX easter standard time I redeemed my reward points of {$160.00} to apply to my Synchrony Bank credit balance by my Paypal account. I received an error message that they had encountered a problem and my request could not be completed. That morning I went back to proceed again with redeeming my cashback rewards and all that was showing was {$.00} in my account. I have contacted Synchrony Bank by messaging on their account, by XXXX and have made 5 calls ( 4 to the customer service reps and one to a supervisor ). I get conflicting stories as to what happened to my {$160.00} cash rewards due to me. One said I would have it in one day, another said 3 days, was told 2 months, and finally the superior said it maybe be 1 to 2 billing cycles. No one can tell me what HAPPENED to my cashback only that an investigation had been initiated. They said they CAN NOT see my actual account and to call Paypal. When I called Paypal I was told that they can not do anything about it and I need to contact Synchrony Bank. I keep getting the run around from Synchrony Bank as they definitely do not want to help me at all. I asked them can they not just add my {$160.00} in cash rewards back to my balance and was told NO that they can not see my rewards. Why not as they are the ones who issue the rewards to my account for each purchase I make? I am an elderly person and can not take this undue stress as it has already affected my health to have to deal with this issue. All I am asking for is the cash rewards that I faithfully earned by using their credit card for all my purchases. Every time I have contacted them it is a different story and they are totally scamming me by keeping my rewards. Please help me as I depend on the rewards to pay my credit card bill. I am on a low fixed income and have many health problems.
Product: Student loan

After formally complaining to Mohela ( 6month now ) that their billing and accounting was incorrect they have finally acknowledged the correct billing amount. In a letter dated XXXX XXXX XXXX Mohela Acknowledged that my repayment plan is the SAVE plan. The letter also acknowledges that my payment amount is {$90.00}. 

I have been under this plan for months now and you may refer to my previous Consumer Financial Protection Bureau complains which requested that Mohela come up to speed and align with the Federal Student Loan SAVE plan so they would bill correctly, at the amount of {$90.00}.

So the Letter is finally a step in the right direction. The Problem is that they are also still sending the erroneous bill. In fact 14 days after acknowledging the correct {$90.00} billing they sent out a bill due XX/XX/year> for {$1200.00}. This billing is not under the SAVE plan nor the Income Driven Repayment plan. 

I would hope that after 6 Months these errors would be corrected.