23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind on my mortgage after my payment increased from {$1800.00} per month to {$2400.00} per month. Basically I am on a fixed income. My loan is serviced by SPS and the owner/investor of my loan is XXXX XXXX. I was denied for a loan modification on XXXX/XXXX/2015 by SPS for HAMP 1 ( Denial letter attached ). The reason given was due to " excessive forbearance ''. However my attorney ran the exact same numbers given to me on my denial letter through the Making Home Affordable web site and it came back Positive NPV ( See attached copy of NPV ran ). My attorney states, I qualify for HAMP 1 and there is no reason they should not be approving me for HAMP 1. That SPS is acting as a co-conspirator for XXXX XXXX in BLOCKING/EVADING approving me for HAMP 1 on purpose. After my initial denial that had a false reason for denial, I re-applied again twice. Both times SPS denied me for HAMP 1 stating " Investor/Guarantor Not Participating '' and " HAMP-PSA RESTRICTION ''. So the first time they acted like they reviewed me for HAMP 1 and I did n't qualify. The next two times, they say the investor is not participating. I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. I do not believe SPS has made any effort to get XXXX XXXX to waive the restriction. My attorney states XXXX XXXX IS participating in HAMP 1. Bottom line is that I qualify for HAMP 1. XXXX XXXX is participating in HAMP 1. SPS is acting as a " bad actor '', " Co-conspirator '' in blocking/evading approving me for HAMP 1.
Product: Credit reporting or other personal consumer reports

found fraudulent inquiry in my credit report.please remove. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I have noticed an inaccuracy on my credit report. I am not liable for XXXX XXXX XXXX XXXX XXXX. This account is not mine. I have no knowledge of this account. I did not signed into a contract with them. I have the right to privacy under the FCRA law. Any credit reporting agency can not furnish an account without my written consent under the FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has failed to provide me an updated result of my recent dispute investigation a month ago. I have disputed several inaccuracies without any updated reports mailed back to me in the allow time under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX against Experian Credit Bureau. They have yet to respond to any complaint and are completely ignoring the laws in regards to consumer reporting and are violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report by any reporting agency. I did not give any agencies this consent, this includes any vendor who they got this information from. Also they have yet to provide me with a contract that has my signature where I consent to them sharing this information. I also received a request from Experian compelling me to give out my Social Security Number which is a violation of the Privacy Act of XXXX. Which means they obtained all information through identity theft. That is also a violation of 18 USC1028A aggravated identify because they used my name without my consent. They are also falsely reporting late payments.15 USC 1666b clearly states a consumer credit transaction can not be listed as late for any reason. Please review 5 USC 552A in concerns to the law for reporting information on individuals. Also at least XXXX agency has deleted both fraudulent accounts so again they are reporting inaccurate. I demand they correct it. I have submitted several complaints against Experian Credit Bureau for constant violations of consumer law. In response they removed 1 of the fraudulent accounts but left the other. They both were added through unlawful methods and both should be removed the same. Not only are you reporting false information you are reporting it illegally. Please provide me with a copy if the contract I singed agreeing for you to furnish this information or delete the account immediately. Also XXXX XXXX international has no authority to verify this debt as they stole my identity, please provide me with the contract where I authorized them to share that information or delete the account immediately. Please provide me with all documentation in regards to my investigation or delete the account. Any and all parties who you are allegedly verifying this debt from stole my identity. You are also reporting inaccurate information such as late payments which is a billing error. The fraudulent accounts have both been deleted by another consumer reporting agency so once again they are displaying false information. If the other agency could not verify this debt how could Experian? The account I am speaking of is : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Total fraud account. 
You have been notified of the fraud and have 4 days to remove it by law. 15 USC 1681 C-2
Product: Debt collection

This company has called multiple times everyday for weeks, including Saturday 's and Sundays, and on the XXXX holiday. Starting at around XXXX everyday and ending around XXXX. 
They have never left a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my address incorrectly with the city as XXXX XXXX, I have never lived in XXXX XXXX. I sent them my State issued ID & DL and they updated it with the same incorrect information. I have also had issues with them in the past with incorrect reporting information. 

The correct address is XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card

I paid off my credit card per our agreement, but the bank continued to automatically charge my bank account.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX BANK XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a XXXX XXXX XXXX card by Synchrony Bank which was recommended by XXXX XXXX. I was informed that I was approved and a card would be sent out. When the card arrived I activated it and then pulled the sticker off the card. That is when I noticed it was not a Visa but rather just a XXXX gas card. I called Synchrony customer service and I was informed that during that approval process, I was not approved for the Visa so then sent me the gas card instead. I did not apply or request the gas card nor was I informed of the change. Before I was able to ask follow-up question the call was disconnected. I then contacted them via computer account chat where I directly asked for the complaint/Compliance contact info it was refused. Simply put this is a Bait and Switch scam.
Product: Credit reporting or other personal consumer reports

I have conducted a thorough UCC-11 '' search with the Texas secretary of state UCC Filing office, which has revealed that there are no, such as " no record of such a secured transaction exists under my name, '' " the debt has been satisfied as per filing number XXXX dated XX/XX/XXXX, '' or " the secured transaction was erroneously reported under my name ''. The accounts in question are -XXXX  XXXX - Account Number : # XXXX - Reported Balance : {$8900.00} -XXXX XXXX XXXX XXXXAccount Number : XXXX. 
Reported balance : {$780.00} XXXXXXXX XXXX XXXX -Account Number : # XXXX Reported Balance : {$3000.00} Despite Numerous written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. By the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

This repossession is negatively impacting my credit, and I am requesting its immediate removal based on the following inaccuracies : Reasons for Dispute : XXXX. Failure to Provide Proper Notification As a borrower, I was never notified of the repossession, deficiency balance, or sale of the vehicle. If notices were sent, they were not directed to my correct address, which is a violation of proper repossession procedures. 
XXXX. Lack of Required Documentation I have never received a Notice of Intent to Repossess, Notice of Sale, or Deficiency Balance Notice, which are required by consumer protection laws. 
Credit Acceptance Corporation has failed to provide proof that they followed the correct process. 
XXXX. Unverified and Potentially Inaccurate Reporting Under the Fair Credit Reporting Act ( FCRA ), Credit Acceptance must ensure all reported accounts are accurate and verifiable. If they can not provide documentation proving I was properly notified, the repossession must be removed from my credit report.
Product: Debt collection

Disclosure verification of debt : Right to dispute notice not received On XX/XX/XXXX I several new negative accounts were added to my credit report. The accounts are listed as " Trident Asset Management ''. I was never informed of these alleged debts and never received a notice of right to dispute. This is a violation of the Fair Credit Reporting Act 623 - 15 U.S.C. 1681s-2 ( section 7 of pg. 81 has been highlighted in the attached document for your review ). Based on these laws I should have been notified by XXXX/XXXX/XXXX however this never occurred and I suffered financial damages as result when applying for credit. 


Excerpt from attached FCRA are below : " ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). '' See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 ( XXXX/XXXX/XXXX )
Product: Checking or savings account

I was scammed out of my money and the bank did nothing told me since i sent it i couldnt recieve the refund of course i did because i thought i was making a investment only to find out i was being scammed or phishing how can i trust the banks protection policy if i cant recieve the stolen money from a scammer RIDICULOUS!!!
Product: Credit card or prepaid card

I called Wells Fargo because they were offering an opportunity to consolidate your credit cards and make payment interest free for 15 or more months. As part of the application that I did over the telephone, they asked which cards you wanted to consolidate. I told Wells Fargo my XXXX bank card, and my XXXX XXXX. On the XXXX I owned around {$8000.00} and the XXXX card around {$2500.00}. 
I received a letter in the mail tell me my application was accepted and I received a {$2000.00} limit. I did nothing because the card did not solve any of my problems. A week or two later I received a cardI did not use it becauseI didnt need another card I needed to consolidate my bills. I put the card in a draw. I received a bill in the mail from Wells Fargo stating they had paid {$1700.00} on my XXXX credit card. I called them and I was told it was up to me to get the money back from XXXX bank. The most they were willing to do for me was return the {$53.00} they charged me to transfer the moneyonce I return the {$1700.00}. 
I did not ask Wells Fargo to make a payment on my XXXX XXXX, I asked them to pay it OFF. Now I have two bills instead of oneboth of which I cant pay. They also are mess up my credit by using more than of their card. All of which I did not Authorize them to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Vehicle loan or lease

This is an old account reporting since 2011. This account was PAID IN FULL and should either indicate as such or be removed for being on my report more than seven years past the statute of limitations,
Product: Debt collection

I was contacted today by a representative with First National Collection Bureau regarding a XXXX XXXX XXXX I asked the representative if they could provide information via mail for me to review. They representative also asked me while on the call if I was related to or knew another individual as they had a file for them as well and had my number listed for them. I dont believe that they should be disclosing that information about some elses debts and also asking me if I know them or if I am related if that has nothing to do with the reason why they are calling me. That made me very uncomfortable because they could be sharing your information with other people and that is not maintaining any privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received mobile alerts on my phone that said Inquiries have been added to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2022 I have not authorized anyone to pull my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is XXXX  and XXXX validating this account? I will have to seek a lawyer to sue XXXX, XXXX  and credit control corporation if this fraud account isnt removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX USC XXXX ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting or other personal consumer reports

After several attempts of contacting the credit bureaus and synchrony advantage card XXXX XXXX to add the account to my credit profiles the account was never added to my TransUnion XXXX or XXXX. The account number is XXXX.
Product: Credit reporting

Good afternoon : Experian erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

These items were deleted then they reported again without notifying me 5 business days after and certifying that the items was validated properly. XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, This collection account is inaccurate XXXX XXXX XXXX - XXXX, This personal information is inaccurate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX FL XXXX, XXXX, NY, XXXX.
Product: Credit card or prepaid card

I had some bad fraud going on with my credit cards and bank account for over 2 years now. Most recently the Apple Card. While I was out the country and unable to come back due to the pandemic. My apple card was getting used after my XXXX and XXXX where stolen. Which i reached out to apple and informed them. There was over {$20000.00} in transactions made and {$16000.00} in payments taken out my account. Ive already let my bank know. But Goldman Sachs indicated I wasnt responsible and how i dont need to worry and how theyll get the charges credited and my payments back. Instead they closed my Apple Card and said I was liable for the fraudulent charges I never made. This is horrible customer service and to be told Im not liable for any fraud and then to close my account and say Im liable is a slap in a face to me.

This pandemic was hard on everyone and so much fraud was done during that time and they have the audacity to say Im liable
Product: Credit reporting or other personal consumer reports

Good Evening, I am writing to file a formal complaint regarding a delinquency claim on my credit report related to a loan originally obtained from XXXX XXXX XXXX  in XX/XX/XXXX. The loan was under a five-year term with scheduled automatic payment drafts from my savings account. All payments from XX/XX/XXXX to XX/XX/XXXX were made promptly and diligently. 

After the final payment in XX/XX/XXXX, I believed the loan was fully settled. It was only later that I learned XXXX XXXX XXXX  had merged with XXXX XXXX XXXX  in XXXX detail that was not communicated to me. This lack of communication led to complications in XX/XX/XXXX, when I received a call from XXXX XXXX XXXX at XXXX XXXX XXXX  regarding an outstanding payment. Unaware of the merger, I mistook the call for a scam and blocked the number. 

In late XXXX or early XX/XX/XXXX, I received another communication from XXXX XXXX about an outstanding balance. Concerned, I attempted to contact XXXX XXXX XXXX  but did not receive a response until XX/XX/XXXX. Upon finally speaking with the bank, I was informed that the issue stemmed from a policy requiring the final payment to be made in person, a requirement I was unaware of. 

After clarifying the situation, the bank promptly drafted my final payment over the phone in XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX, the Dispute Department Manager. XXXX confirmed the presence of an error on XXXX XXXX XXXX  part concerning the incorrect address listed in the system, which has resulted in my failure to receive any communication regarding the servicing of my loan by XXXX XXXX XXXX. 
XXXX assured me during our conversation that my address had been updated in their system. He also promised to send a letter confirming that my account had been paid in full. Unfortunately, I have not yet received this letter, and XXXX has not responded to my subsequent calls and emails. 
This issue has consequently led to an erroneous delinquency report on my credit history, which resulted from the banks failure to inform me of critical policy following the merger with XXXX XXXX XXXX. I have always maintained a stellar credit record, and this oversight has unfairly impacted my XXXX XXXX. 

I hereby request the CFPB to intervene and assist in removing the erroneous delinquency from my credit report. Additionally, I ask for an official letter from XXXX XXXX XXXX, confirming that the debt is paid in full and that my account is in good standing. 

Thank you for your prompt attention to this matter. I look forward to a resolution that restores and reflects the accuracy of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX