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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 5XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

My mortgage was sold to LoanCare. I have my loan payments to my mortgage/escrow account automatically deducted from my checking account each month. I ave never been late or missed a payment. I received notification from my homeowners policy holder XXXX that payment for my homeowners policy had not been received for the past two month and that my polcy was thus cancelled. I in no way was informed nor authorized any changes to my escrow account
Product: Credit reporting or other personal consumer reports

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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

XXXX XXXX has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days. 

This morning I wake up to find that XXXX XXXX has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and XXXX XXXX has destroyed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To : Carmax Auto Finance XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company. 
Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Product: Credit card or prepaid card

Me and my wife are getting pre-qualified offers from Capitol One bank so frequently and they have optout phone number which i did about 6-8 weeks ago. Still didnt stopped and then i called about month ago and still i received this week. They also keep checking my credit report every month.
Product: Debt collection

IC Systems , Inc is attempting to collect a debt for XXXX. I do not nor have I had a XXXX account. Clearly, this is not my debt.
Product: Mortgage

My husband XXXX  on XX/XX/2022. When my husband XXXX XXXX we were current with our bill. With XXXX XXXX i have had a hard time to make payments however, I have paid the regions bill out and i need to be able to rent a home in the state of Florida however, with this on my credit it is very hard to get placement. Please reach out to regions bank and request this be removed from my credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I tried to obtained a copy of my credit file through the Transunion website at transunion.comXXXX. I answer all of the verification questions correctly and I was told that I cant gain access to my reports online because I didn't pass the verification. I answered everything correctly. This is now frustrating.
Product: Student loan

I applied for loan consolidation and an income-driven payment plan on XXXX XXXX. My loans had been on the SAVE plan. I spoke with MOHELA on XX/XX/year>XXXX  about mistakenly being taken off of the SAVE payment plan, or any IDR. I was told I would be placed on administrative forbearance while they processed the correction/income-driven payment plan application. I asked for written confirmation, none was provided. On XX/XX/year> I received a billing statement for a standard repayment plan.
Product: Checking or savings account

I been a customer with US Bank for years. Last year ( 2022 ) I had a problem with fraud on my account, they placed a 30 day hold. It ended up being over 60 days. Was being referred between the local manager and corporate office. Finally after threatening to sue the very rude manager, he was able to give me my check with my account balance but not before stating that the bank would be done doing business with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax = Recently had a breach and personal information was leaked out by inside employees. I would like my Credit information of any and all Collections and Charges offs and late payments removed due to the Credit laws and Federal Guidelines. These Credit Reporting agencies have put my personal credit in danger by denying lines of credit along with my business lines of credit in danger. 

XXXX My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent Still has more than XXXX address listed when I requested the others are wrong and should be removed, I have sent them my SSN card and Driver 's lic as requested. 
2. Two fraudulent collections are currently on my credit report. I would like signed proof from both accounts with my signature giving the right to enter private wrongful information concerning me without my written permission. a. XXXX XXXX XXXX ACCT # XXXX is the first four numbers condition : closed. XXXX XXXX XXXX XXXX ACCT # XXXX. I have several listed accounts that are also closed and I requested per federal reporting laws should not be listed because they too have no written approval from me. XXXX XXXX  Acct XXXX - XXXX XXXXXXXX Acct # XXXX - XXXX XXXX  Acct # XXXX - XXXX XXXX XXXX Acct # XXXX  is providing personal information that I did not give them written permission along with proof I was late. 

Equifax My one and only correct address is XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Federal laws and guidelines have 30 days to remove. 
Still has more than one address listed when I requested the others are wrong and should be removed, I have sent them my SSN card and Driver 's lic as requested. 
XXXX XXXX XXXX Acct # XXXX is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXX  Acct # XXXX XXXX : My current employer is listed wrong still- has my wrong address XXXX XXXX XXXX XXXX, XXXX XXXX - My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Within 30 days should be removed. I have sent them my SSN card and Driver 's lic as requested. XXXX XXXX XXXX Acct # 2000 is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXXXXXX Acct # XXXX XXXX XXXX - XXXX
Product: Debt collection

Received a settlement letter from the company, called to let them know this bill was paid to the original creditor back in XX/XX/2014. The Representative was very rude and boys that I should not have paid XXXX I should have paid them and its a valid da representative was very rude and boys that I should not have paid XXXX I should have paid them. And although I have disputed this matter with validation they continue to claim to credit bureau this is s valid debt, which negatively affect my rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XX/XX/2022
Product: Debt collection

I changed my insurance carrier for my mortgage. The mortgage company sent a cancellation request to the old carrier. The old carrier is now suing me for premiums due even though the collection company has articulated to me that they do have a copy of the cancellation request. I also sent a copy of that cancellation correspondence to them. 
CCS is asking for {$570.00}, but have graciously agreed to accept {$280.00} discounted amount. XX/XX/year> is the cancellation date.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

Unauthorized credit cards listed on my credit report that I did not authorize while also pulling my credit report. My personal and private information was pulled on XXXX XXXX, XXXX by XXXX XXXX XXXX in California which was deemed impermissible. My personal and private information was also stated in audio copyrighted in XXXX XXXX that is now public knowledge ( ref # XXXX ) Since this person responsible for obtaining my social security number had XXXX pull my information, I have had attempts of people trying to use my social security number to open accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX we had our XXXX XXXX XXXX repossessed however we were able to pay the past due amount and the repossession fee, everything totaling {$870.00}. However the loan company has been reporting that the car has been in repossession status ever since then. This has affected our ability to purchase a house and has had an adverse affect on our credit. The company in question is XXXX XXXX. 

I also just noticed that they have on our payment history with the company that the car has been repossessed three different times. This too is inaccurate, since the car has only been repossessed twice.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts listed that appear to be fraudulent. These accounts are negatively impacting my ability to obtain credit. Can you please remove these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a XXXX XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 XXXX XXXX was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report on XX/XX/XXXX from XX/XX/XXXX. I noticed that my loan with XX/XX/XXXX XXXX was showing seven missed payments from XXXX XXXX XX/XX/XXXX. I did not miss any payments during these times. XX/XX/XXXXXXXX Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 a report was transmitted to my credit from XXXX Of XXXX. I was register as a co-signer and they stated that the lease was electronically signed but I never lived in the apartment and have records to prove that I lived and worked in Oklahoma at the time of the lease being processed. I personally never signed the lease. Now I have a charge of {$10000.00} on my credit and its preventing me from being able to get my own apartment.
Product: Credit card or prepaid card

In the last two months everytime I try and make a payment to my account for Home Depot which is owned and operated by citibank I have to call them because their website is not working. Last month I was on the phone for almost an hour just to make a payment because their system was not correctly operational unless you open a private browser unless you put in a secure code which you had to call them to correctly put into the browser by two factor authentication you usually put in the numbers they send you through text. There were additional numbers and instructions you had to follow in order for it to work properly as I was told by the customer service rep. Today i was monitoring my credit on XXXX   XXXX and saw i needed to make a payment again. i followed the instructions per the last time i spoke with home depot and again the site was not working. this time they have autopay set up. I did not want to deal with it again so I tried setting up auto pay only for the browser to repeatedly tell me my info was incorrect. The information was no incorrect which led me to beleive the browser must not be working, AGAIN!. Also i noticed the browser was also insecure it was an insecure browser so now i have been putting my information for my banking and im furious. I called the company and they immediately told me that their system was down and they were aware. I said, can i have literature on this please. They said no we dont have any literature. I complained to her and stated that I was trying to make a payment and that their browser was insecure. They asked if i wanted to speak with a supervisor. I said yes. I spoke with them then she took my payment over the phone and said oh we have this acct on file which was the information that was not being accepted. I am very upset that this is not credit company is incompliant with secure services and believe that my information might have been compromised. I am asking that they dismiss my credit with the company because of the security issues that their company continues to have.
Product: Payday loan, title loan, personal loan, or advance loan

The due date on the note is the XXXX, yet payments made each month are inconsistent in how they are applied, even if paid before the XXXX, some months XXXX amount applied to principle, even if I make a larger payment to apply towards additional principal. The answer I get is if there is more interest due than principal, then the payment is applied towards interest first? When I requested an amortization, I was advised they do not have them. They can only mail a payment history. If you pay on different days of the month even before the due date, they do not apply the same amount towards principal, therefore you can not pay down your loan. This is not a FIXED installment loan as I was led to believe. It's more like an interest only loan with some inconsistent amounts applied to principal. Very bad business. there should always be an allocated percentage applied towards principal.
Product: Mortgage

I received my XXXX mortgage interest statement from Select Portfolio Servicing. I have a 2 % interest mortgage with an Outstanding mortgage principal as of XX/XX/2016 of {$37000.00}. Box XXXX of the Form XXXX is the Mortgage interest received from payer/borrower and has an amount of {$4200.00}. 
That number is completely incorrect. Even if the reduction of principal is ignored on the {$37000.00}. That amount at 2 % is {$750.00}. 
Would you be so kind as to explain in detail how the {$4200.00} amount was calculated? Why does that amount exceeds my total yearly payments paid of approximately {$3300.00} ( that includes principal, interest, insurance and taxes )? 
Why does SPS make so many mistakes in their record keeping?
Product: Money transfer, virtual currency, or money service

I am writing to formally report my concerns of Zelles handling of disputes. Despite using Zelle numerous times of reporting discrepancies, my financial institution and Zelle failed to investigate my claim. They informed me that recovering lost funds was impossible. the CFPBs finding indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.