23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Been disputing a particular account on my Equifax report since XXXX every 30-45 days for XXXX XXXX XXXX XXXX This account is being reported as an open account from XXXX. This is not my account nor do I have any car for this loan it is now XXXX and these people are inaccurately reporting information that I have tried to have deleted. Ive emailed XXXX XXXX and XXXX personally of Equifax even proof of me filing serval disputes. I also hired a law firm and they were able to even get a response from Equifax. This has cost me so much emotional and physical distress over the course of this year. Delete this inaccurate and incorrect information the company doesnt even exist! The number and address listed is non working. The place in XXXX GA is not there business as listed either I went there! I live in XXXX GA
Product: Debt collection

I received a payoff letter from Radius Global Solutions LLC. This is from a auto debt with creditor XXXX XXXX XXXX. The letter states that I have 30 days from the date listed on the letter to accept a payoff amount of XXXX. I spoke with a customer service rep named XXXX about the payoff amount and try to negotiate a lower amount. After several calls with her and her supervisor I made a payment with XXXX XXXX in the amount of XXXX and setup a payment arrangement for the balance of XXXX. This balance would be paid over 6 months in the amount of XXXX. I was told that an email would be sent with a confirmation of payment as well as the payment arrangement we setup. Unfortunately, after 72 hours I never received an email so I called back spoke with XXXX. He informed me that the payment arrangement made could not be honored per his supervisor and I had to pay full payoff amount. I stated to XXXX that we had a verbal contract the company 's pre-recorded conversation. Which legally bines them to the payment arrangement made between XXXX XXXX and I. As of XX/XX/XXXX this organization has report a balance of XXXX owe to the credit bureau. Please advise if you are able to assist.
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. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : 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: Money transfer, virtual currency, or money service

An amount of XXXX XXXX Wwas sent to XXXX XXXX  using Remitly Money Transfer. I accidentally put the wrong account number where the funds were to be sent and immediately contacted Remitly about the error and they informed that they would contact the receiving bank and ask for a reversal. Whenever I have contacted Remitly, they inform me that a communication has been sent to the receiving bank however when I contacted the receiving bank, they informed me that they have not received any reversal request from Remitly. I have asked Remitly representatives over the phone multiple times to send me the communication sent to the receiving bank but have not received anything.
Product: Debt collection

Convergent Outsourcing , Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX , WA XXXX has been reporting me owing an outstanding balance of {$340.00} to the credit bureaus. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Mortgage

I applied for a HELOC Line of Credit with Huntington Mortgage. 

I gave them permission to do a 'hard credit check ' I was in the assumption that it would be just one inquiry They pulled by credit in XXXX of 2019 and found my score was a ( 7XX )  not shown for privacy Based of of the initial credit pull they offered me a rate of X.X % ( ( fact a hard credit pull does lower your score ) ) they then pulled my score about a month later in XXXX of 2019 and then said because the score lowered by X points the new offer of credit would have a higher rate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/20 I applied for a XXXX credit card and I was denied due to having two accounts in negative standing appearing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX & XXXX XXXX. Neither of these accounts belong to me nor do I have any written/verbal contract with those companies. I did not open any account with those companies and I did not allow anyone else to open any account in my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a complaint with the CFPB as well as a police report regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights with improper reporting to my credit report. 

USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

IMMIDIATE ACTION IS REQUIRED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX This is being reported on my credit report and I dont even know what this is. Plus this debt is 8 years old and I am not sure why XXXX  and XXXX  have removed this debt and Experian is the only one reporting. This needs to be removed from my credit report IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with pen fed credit union they said that I had XXXX score I checked my score is XXXX and I can prove it so I feel they slandered my name and they should be held accountable in my eyes for slander and the unfair loan act if you have any more? please let me know XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

TRANSWORLD REPEATLY TRIES TO COLLECT DEBT THATS NOT MINE EVEN WHEN THEY REMOVE THIS INACCURATE INFORMATION THEY GO RIGHT BACK AND REPORT AGAIN KNOWING THIS IS NOT MINE THEY DONT CARE JUST CONTINUE TO VOLATE FAIR AND ACCURATE REPORTING.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. XXXX XXXX XXXX XXXX incorrectly reported to XXXX And XXXX XXXX that account is 30 days passed due. The account was closed and paid in full on XX/XX/XXXX. I've asked that proof is provided of the late payment status on the account effective XX/XX/XXXX or delete the negative status on this account. The negative status should not have been reported on the account that has been closed since XX/XX/XXXX. According to the Fair Credit Reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy USC 1681 604 section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on the account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XXXX/XXXX/17 I applied for a Capital One secured credit card, in an effort to build up my credit. They required a {$49.00} deposit, in order to get a {$200.00} credit line. I made the deposit online, and gave them my email address.
Days went by and I received no email notification for my payment.
I received a piece of mail from them, saying my card would be coming soon, and if I have n't made my deposit payment yet, to do so online.
So I figured the first deposit never went through.
On XXXX/XXXX/17 I made a second deposit, thinking the first one was lost in the ether.
Turns out both deposits went through, the first one gave me a {$200.00} credit line, and the second deposit gave me {$49.00} additional credit.
I called them to say this is ridiculous, and is essentially theft. I overpaid them by {$49.00}. That money should either be refunded to me, or go towards a future bill. But after two long calls, with lots of " checking with other departments '', and being placed on hold, they flat out refused, and said they would pass on my information to their supervisor so as to improve their process in the future.
I told them I was very unhappy, and this is a very bad start to opening an account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have contacted the Court of Record you list on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letter ) then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations.

Therefore, you could not have possibly verified this information, and I request that you delete the alleged Public Record and provide me an updated copy of my consumer file. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in to comply with federal law. 


I DO NOT WANT A GENERATED GENERIC RESPONSE
Product: Student loan

I applied for Public Service Loan forgiveness on XX/XX/XXXX because I had just met the qualifications- 120 qualifying payments.. I am still waiting for my balance to zero out and receive the forgiveness. I have been given various different explanations about when this will take place and what steps I need to take. I am XXXX  and need to quit my job by XX/XX/XXXX and if the process is not completed, my family will face extreme financial hardship. The wait time on this process is excessive and my account needs to be updated.
Product: Vehicle loan or lease

IN MY CREDIT REPORT SHOW TWO AUTO LOANS WITHOUT MY CONCERN OR APPROVAL, SOMEONE ELSE STOLE MY IDENTITY AND USED AS A CO-SIGNER FOR THOSE TWO ACCOUNTS. 
I CALLED TO THE LENDERS AND THEY DENIED THE INFORMATION REGARDED TO THE FRAUD.
Product: Credit card or prepaid card

Case Number XXXX with Capital One for Platinum Mastercard ending XXXX. 
A total of {$2000.00} excessive, fraudulent charges were debited to my Capital One credit card by XXXX. I was a new customer to XXXX in XXXX and authorized {$49.00} to be charged to my account for electricity. I disputed a charge by XXXX in the amount of {$1700.00} on XX/XX/2821. The other excessive charges in 2021 were as follows : XX/XX/XXXX 3 {$49.00} each total {$140.00} XX/XX/XXXX 1 {$49.00} XX/XX/XXXX 1 {$84.00} The total excessive charges is {$2000.00}. These charges have been declared excessive and fraudulent by Texas Attorney General, XXXX XXXX. XXXX has filed for Bankruptcy and is not in a position to issue a refund. Capital One at first credited the {$1700.00} and then re-charged my account negating my dispute.
Product: Credit reporting or other personal consumer reports

XXXX took nearly three months as i submitted a complaint in XXXX and now in XXXX i got an email saying nothing was changed. its ruining my chance of getting a car, an apartment, or new lines of credit to allow me to escape poverty after lossing my job from covid
Product: Mortgage

Bank of America seems intent on charging us for additional flood insurance coverage on our property that they hold the mortgage on. This is a yearly struggle in which they send us numerous letters stating that the coverage is insufficient and stating that they will charge us roughly {$2000.00} for additional coverage. In the most current year we have been working with the property 's insurance company, XXXX, to supply them with the information since XX/XX/XXXX. While the property ( which is a multi unit resort ) coverage has not changed substantially in the ten years we have owned our condo unit, BofA annually sends us these letters threatening to charge us for unneeded coverage. This past year they have made the process even more difficult. Below is a copy of  the letter I sent them today. 

We have just received the sixth request, dated XX/XX/XXXX, from you for flood insurance coverage on our condo located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, HI XXXX. We and our insurance company, XXXX, have supplied you with this information multiple times so far, yet cant seem to satisfy your need to attempt to charge us for additional coverage, which appears to be your goal. These notices date as far back as XX/XX/XXXX, and we have responded to each and every one with the information requested. 

As recently as XX/XX/XXXX both I and our XXXX representative spoke with your department in an attempt to determine what was still needed, and to supply that information. On that date, XXXX faxed you the entire flood policy for the building that our unit is located ( there are three policies in total that cover the entire resort ). I was told by one of your representatives that this was all that was needed, just the policy for the building that our unit was located in. He could not explain why we seem to have had more scrutiny regarding these policies than in years past, when a policy declaration sheet was sufficient to satisfy your department. Not that it hasnt taken months in past years to satisfy these requests, but this year has taken six months to get to this point, and you still arent satisfied. It certainly appears that upselling additional insurance is the goal here. The basis coverages provided by the resorts insurance company have not significantly changed in the ten years that we have been dealing with these annual requests. 

The latest request indicates that the flood insurance coverage is insufficient, and calls for additional coverage at a cost of us of {$380.00}. This is exactly the same request that we received in a notice dated XX/XX/XXXX, and was responded to by XXXX with declarations in early XX/XX/XXXX. How is it that now we are receiving yet another request? 

This latest request follows another one just received, dated XX/XX/XXXX. In that one your department threatens to charge us {$1900.00} for additional flood insurance coverage. We responded to that exact notice dated XX/XX/XXXX in XX/XX/XXXX as well, and again on XX/XX/XXXX as outlined above.
Product: Credit card or prepaid card

On XX/XX/XXXX, with no prior notice given, I received word that my credit card account of several years had been closed, " for fraud. '' I immediately contacted Wells Fargo customer service via telephone to inform them that there had been a mistake, there was no fraud on the account. I had the card, the account had XXXX balance, and there had been no unusual activity. I escalated the concern to Wells Fargo 's executive office because closing this account would wipe out half of my available credit and negatively impact my credit score. I spoke to a representative on a recorded line who informed me that I was correct, the account had maintained a XXXX balance with no signs of visible fraud, that it was likely a mistake on Wells Fargo 's part, that the account would likely be able to be reopened, and that I would receive a call back the next business day. On XX/XX/XXXX, I received a call back from XXXX XXXX at the executive office stating the account could not be re-opened, due to " risk ''. At first XXXX XXXX refused to provide me a reason as to why the account had been flagged for " risk '', but after I requested several more times, he admitted that Wells Fargo had failed to process an old lost card request ON THEIR END, and because of Wells Fargo 's own failure to process the request, the account was inadvertently flagged as " risk '' and subject to being closed. Despite then admitting on the recorded line that this was not my fault and had nothing to do with me ( other than via a notice they supposedly sent me which I never received ), XXXX XXXX continued to state that the account would not be re-opened, that I would indeed suffer the negative impacts to my credit score, that I should file a complaint with the CFPB, and that I would have to subpoena them for any further information. This is absolutely the worst experience I have ever had with any financial institution, and has directly damaged my credit score, via no fault of my own, a fact Wells Fargo admits but refuses to remedy. Moreover, they wo n't even provide me with the additional information I have requested about my complaint, stating instead I must subpoena them for it. If this situation does n't constitute a whole series of unfair, deceptive, and abusive acts and practices on behalf of Wells Fargo against an innocent consumer ( me ) I do n't know what does.
Product: Bank account or service

BB & T BANK SUBMITTED A XXXX AND I DID NOT USE THE BANK ACCOUNT. I WANTED TO OPEN A BUSINESS ACCOUNT AND THEY WOULD NOT LET ME. THIS NEEDS TO BE REMOVED FROM MY HISTORY.
Product: Debt collection

on XX/XX/2019 @ XXXX she came to my door in person and threaten to garnish my wages beginning on XX/XX/2019. This is a unsecured loan that I have in a Debt reduction program. I have sent notice to the creditor First Heritage Bank that I am in this program.

the lady that came to my property and threatened me is XXXX XXXX -Branch Mgr phone XXXX this is not acceptable and is against the law.

Unfair Collection Practice I do not want any further contact from this bank. They have been notified to call the Company I enrolled my Debt with XXXX @ XXXX which is the main # I requested this account to be closed at consumers request and that I fully intend to complete the debt reduction program.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has continued to verify the Allegacy FCU account as accurate, I have attached the result of EQUIFAX Dispute dated XX/XX/XXXX. You can clearly see from original creditors payment history that the balance reported as of XX/XX/XXXX is ( XXXX ) however EQUIFAX continues to report a past due balance and the account as charged off. Remove XXXX XXXX account attached to this email because you are reporting a balance and a charge off that are not accurate based upon your own investigation. Furnishing incorrect information willfully on my report is a Violation of FCRA.
Product: Debt collection

My credit report is showing a collection account from Penn Credit Corporation, with the original creditor being XXXX. The account number is XXXX I was not informed prior to this collection that this account was being sold to a debt collector, therefore I am requesting debt validation Pursuant to 15 U.S code 1692g the debt validation should stated a detailed list of the history of payments made by me on this account, I want to see MY signature on a contract stating that I agree to pay this creditor, I am also asking has there been any insurance claim filed on this account, I want proof that you have chain of title to collect on this debt. According to 15 U.S CODE 1681b the creditor had no permissible purpose and 15 USC 1681 section 602 states that I have a right to privacy, 15 USC section604 ( A ) section 2 a consumer reporting agency cant furnish MY account without MY written permission. This account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original loan was with XXXX  ( # XXXX ) and during covid-19 starting from XX/XX/XXXX we were on the Forbearance plan until XX/XX/XXXX XXXX during the Forbearance plan our payment to XXXX  for mortgage payment was paused and we were not to be reported to credit agencies as late payment or delinquent. It was a temporary pause on our monthly mortgage payment until XX/XX/XXXX. After the Forbearance plan had ended, we were told by XXXX to make 3 monthly payments and a loan modification will be completed to add the paused payments to the end of the current loan. 1st payment was paid on XX/XX/XXXX for XXXX payment, 2nd check paid on XX/XX/XXXX for XXXX payment, and after making the first 2 payments to XXXX we were informed that Shellpoint Mortgage Servicing company had taken over our Loan in XX/XX/XXXX and the 3rd payment should be paid to them. 3rd payment was paid to Shellpoint Mortgage company dated XX/XX/XXXX and was deposited by Shellpoint on XX/XX/XXXX. ( all 3 payments were paid for XXXX, XXXX, and XXXX prior to ending date ) all checks were deposited prior to check date ( Copies attached ). Numerous calls had been made to Shellpoint to clear false report to credit bureau but nothing was done causing us more stress. How can I be late 90+ days when all payments were made on time and according to our contract with XXXX when Shellpoint purchased our loan in XX/XX/XXXX! We were reported to credit agency as soon as they purchased our loan and by law they have to give us a 60 day grace period which was not provided. we have not been late in any payments before forbearance plan or after the forbearance plan had ended. Shellpoint has provided false information to credit bureau causing damage to our credit score.