23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit card balance was overpaid in the amount of XXXX. When I asked them to go ahead and credit back to me electronically, via the same means that they received the funds from me, they told me that was not possible. My credit card amount due was at a balance of {$0.00} at the time that they took the payment from my account. I need the money back promptly as I understand is within my rights, as stated below : " Other billing rights Businesses that offer " open end '' credit also must : give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors ; provide a statement for each billing period in which you owe - or they owe you - more than XXXX dollar ; send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges ; credit all payments to your account on the date they 're received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date ; and promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than XXXX dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months. ''
Product: Money transfer, virtual currency, or money service

PNC has blocked me from using my XXXX Account. I have been XXXX reconnect my account since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A, states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2, states that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 U.S. Code 1681e Section B - Accuracy of Report, states that Consumer Reporting Agencies shall follow reasonable procedures to assure maximum possible accuracy of the information.

This account shows 30 and 60 days late payment on one credit bureau however, it shows 60 days and 90 days late on another credit bureau. 

I have never been late on a payment regarding account number XXXX from XXXX XXXX XXXXXXXX XXXX.
Product: Mortgage

We are responsible for the upkeep of our property according to the mortgage contract. We filed an insurance claim with the current servicer Rushmore Loan Servicing, however the company is holding funds and are refusing to provide draws in order to complete the work. It is common in the industry for lenders to provide draws based on the percentage of the work performed. The lender issue the first check in the amount of {$17000.00} out of the {$30000.00} projected payment for roof repairs. In order to continue the repairs the contractor needs to get another advance or draw to complete. The lender is refusing to pay claiming that the roof needs to be 100 % completed. Unless the lender advances the contractor for materials and labor we would not be able to complete the work. The lender is acting in bad faith and are ignoring any type of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXX XXXX XXXX, forward stationed in XXXX. 

On XXXX XX/XX/XXXX, I tried to remove a security freeze from my Experian profile in order to get move forward with a mortgage pre-authorization. After submitting all my information, the website gave an error that " We are unable to honor your request. '' It included information about how to submit documents and payment for various services. Despite the header of the new page reading " Experian - Remove a security freeze '' the options for " I am requesting : '' at the bottom of the form were all in relation to getting a credit report. There is a final option for " Other ( please explain ). '' I attempted to contact Experian on the phone, during business hours, but was unable to get a real person on the line, despite trying multiple phone numbers. The automated system provided no information and wasn't even able to find my profile. I tried calling back multiple times to test all the options, and many of them lead to the automated system simply hanging up the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The company ( Nelnet ) claims that they contacted me about a debt I did not know I had. When I had last checked my page in XX/XX/year>, there was a form to fill out to request Federal Student Loan Forgiveness. After filling out the form, my balance due went to {$0.00} pending the application. 

In XX/XX/year>, I looked and my credit score had dropped XXXX points, saying I had a delinquent account with Nelnet. I immediately checked and paid the balance. I then called to let them know I had never been contacted about the debt before seeing the mark on the credit score. I asked them to remove the negative credit mark and they refused. The said they had sent emails regarding the debt ( not true ) and called me which I was able to disprove with my XXXX call history. No missed calls or voicemails. 

Still in spite of this information that I was not contacted about the debt, they refused to remove the negative credit mark. I filed a dispute with XXXX, who did not alter the score based on their investigation and did not give any explanation.
Product: Debt collection

Debt has been reported to 3 credit bureau reports, despite not belonging to me. I have try and discuss the matter with the reporting business to no avail.
Product: Debt collection

The company Midland Credit Managemen has placed this account on my credit report, but it is not my account. The following is the information on my credit report MIDLAND CREDIT MANAGEMEN Last reported XX/XX/year> {$3400.00} Open balance
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over XXXX points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Student loan

Seven years ago I was having a difficult time paying for student loans. I was informed by sallie mae/ navient to consolidate the loans and get on the income based repayment plan to get the loans forgiven and after 120 consecutive payments the loan would be forgiven because I was a XXXX. At the time I had already been XXXX 7 years and was not given information about my loans being forgiven for public service without consolidating them. I wasnt informed that my clock was going to restart if I consolidate. I was even recently informed that I could consolidate a parent plus and help with my payments and again was not told that if I did that my clock would start over. I stated it to the rep and she said well yes it would. I said to her why would you not share that before trying to get me to do it. She stated we dont volunteer that information. I believe that this needs to be shared my loan continues to go up if I was informed of this 7 years ago I would have never consolidate and would be out of student loan debt
Product: Debt collection

XXXX my cell service provider I have been with since XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX they began asserting that I owed an amount of {$600.00} for services not paid for/not transferred to from different service plans when the 4 phone lines, the equipment and previous amounts owed at that time. I am a XXXX XXXX XXXX XXXX veteran retired military now but was XXXX  during when these issues began. For nearly 9 years I have wrestled with XXXX and their revolving debt collectors slandering my credit rating with their erroneous collection information and fraudulent amounts owed and with XXXX to remove the information. After XXXX County Sheriff 's department investigated this matter they found that XXXX nor their debt collector XXXX XXXX could prove or substantiate the charges. XXXX XXXX then removed the information from my credit report. XXXX in unprofessional business practices and outright fraud hired another/sold to another collections agent the account and the process of attempted to clear my credit continues to rotate to another collections company as the current one is investigated and then found at error clears the fraudulent information from my report. I am under contract to purchase a XXXX equipped home for the XXXX I incurred in military war service. The actions done to me by XXXX, XXXX XXXX and currently Credence Resource Management is in the process of causing my home financing to increase drastically in interest rate or fail altogether.
Product: Credit reporting or other personal consumer reports

Security Finance violated both U.S. Code 6802 and the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681, which governs fair and accurate credit reporting. This code outlines my rights as a consumer to have accurate, fair, and fully disclosed reporting practices by institutions reporting on my credit profile. Security Finance failed to provide me with the option to opt out of the reporting of a charge-off associated with my account, which has impacted my credit score and standing.

Additionally, this failure by Security Finance constitutes a breach of : U.S. Code 6801 ( Protection of Nonpublic Personal Information ), which requires financial institutions to implement standards to safeguard consumer information. 

U.S. Code 6803 ( Disclosure of Institutions Information-Sharing Practices ), which mandates that institutions disclose their privacy policies, including any opt-out options available to consumers regarding information sharing. 


Under 15 U.S.C. 1681, institutions are required to follow stringent guidelines for accuracy and fairness when reporting to credit agencies. Security Finances reporting of the charge-off without an opt-out option undermines this code, as it restricts my right to manage how my personal information is shared
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding unauthorized hard inquiries made on my credit report by your company. I recently discovered that my credit report reflects inquiries f without my explicit consent. 

The unauthorized hard inquiries have raised significant concerns for me, as I value the privacy and security of my financial information. I am well-aware of the potential impact these inquiries can have on my credit score and overall creditworthiness. 

Details of the unauthorized hard inquiries are as follows : XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX I have not engaged in any transactions or agreements with your company that would warrant a hard inquiry on my credit report. It is essential to highlight that such inquiries were conducted without my explicit authorization, violating standard protocol and ethical business practices. 

I request immediate action to rectify this matter, including the removal of these unauthorized hard inquiries from my credit report. 

I understand the importance of credit inquiries for legitimate purposes, but the lack of transparency and authorization in this case is unacceptable. I trust that you will address this matter promptly and take the necessary steps to ensure that such incidents do not occur in the future. 

I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I called Experian to dispute my name being on my credit report 4 different times with different identity numbers on each name. I asked them to remove 3 of the names, however, they said thats my name and that they will not remove it. The only name that I allow on my report is XXXX XXXX XXXX. The other 3 names need to be removed because I only have one name. Not four names.
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. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
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 reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : LOCKHART MORRIS MONTGOMERY Account number : XXXX
Product: Debt collection

XXXX XXXX around XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX billed my insurance but did not bill correctly and stated that I owed {$55.00}. Did not get an actual bill until XXXX. No one at their office could understand my dispute. They agreed to remove erroneous charges. On XX/XX/XXXX received XXXX  Credit bureau notification that Delivery Financial reported the {$55.00} Medical Debt. I called Delivery Financial to tell them that the debt was not valid and that I did not receive any notices from them regarding the opportunity to dispute the debt. The representative became angry once she learned that I was exercising my rights as a consumer. She hung up on me. I am requesting that Delivery Financial is investigated for reporting collection debt to credit bureau and ruining my good credit.
Product: Debt collection

I ask them to send me proof of the bill they say I owe them. I have also told them that due to the coronavirus I am out of work. They call all day every two hours and when I ask to speak to a supervisor they hang up on me. They are rude dont answer any questions.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XX/XX/XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XX/XX/XXXX
Product: Mortgage

I was notified ( see attached letter ) from county that taxes were never paid out of escrow. My mortgage account shows the money was removed from my account in may to pay for these taxes ( see attached statement ). 
Initially attempted to call original mortgage servicer ( XXXX XXXX ) but they informed me because my mortgage was sold the new servicer would have to deal with this ( SP Servicing ). 
Had to pay taxes myself because after more than 8 days of attempting to get information from the mortgage company ( called SP servicing XXXX different times and each time told " there is no update on the status of your request '' ), they were not able to provide me with any update. Attached letter sent via mail today to mortgage company ( XX/XX/year> ).
Product: Mortgage

In XXXX the CFPB and Wells Fargo Bank addressed the fake account scandal. We have XXXX accounts open without our approval and XXXX equity accounts. We went to mediator for the savings accounts. The XXXX equity lines and the mortgages were part of the modification miss calculation lawsuit. Which the mediator could not address because that was not in her area of mediation. Wells Fargo Bank paid me {$5500.00} for the accounts. My husband was not included in the settlement of the XXXX savings accounts. In the meanwhile Wells Fargo Bank admitted in writing that they miscalculated in the process of modifying the equity loans and double reporting the equity loans and the mortgage on our credit report. Wells Fargo Bank sent us XXXX checks for {$200.00} each and they did not explain how they calculated the checks they sent. They used Wellss Fargo Bank system to calculate instead of the system that the court directed them to use. They have admitted that they made errors in the calculation. We will not accept the checks that they sent us. On XX/XX/XXXX they us XXXX checks for account XXXX the amount {$1000.00} and account number XXXX for {$500.00} both letters stated that Wells Fargo identified that an error may have occurred to your approved loan modification.
Product: Credit reporting

I tried to get a copy of my credit report on yesterday, and was surprised at what is there that I personally do n't recognize. There are XXXX items without explanation that are not valid I am sure : Credit XXXX XXXX, Washington XXXX XXXX phone no., XXXX XXXX ; Debt recovery XXXX, XXXX merchant XXXX XXXX, NY XXXX, phone XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Account XXXX, dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, phone XXXX XXXX XXXX, XX/XX/XXXX.
Product: Mortgage

My mortgage recently got moved to Mr. Cooper and my escrow payment has been raised for no reason. They are overcharging me by {$120.00} per month and will not refund me nor will they provide an explanation as to why they are overcharging me. I've asked to have my escrow account closed so I can manage it myself, but they will not let me do so. It's infuriating.