23daVinci/CFPB_Complaints huggingface dataset:
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.

These accounts and Inquiries have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XXXX XX/XX/2023 I called my mortgage companys, Mr . Cooper, escrow department to close my escrow account. My escrow account was sitting at XXXXXXXX XXXX when I called. My account was assessed to find out if I qualified for closure of said account and I was preapproved ( pre approval number XXXX ). I made a my regular monthly mortgage payment on XXXX XX/XX/2023 which should have put my escrow balance at XXXX XXXX On XXXX XX/XX/2023 there are multiple transactions on my account that put my account in the negative XXXX XXXX I tried message chat and the companys ticket system to fix the issue but was still denied my account closure. I called an agent today, XXXX XX/XX/2023, to try to fix the issue but that phone call ended up going nowhere. 

I switched over insurance companies to a lesser, more affordable company on XXXX XX/XX/2023. I requested an escrow analysis before I deposited then transferred my returned insurance payment. The escrow analysis was performed XXXX XX/XX/2023, I was told I had too much money in my escrow account and would be receiving a refund. Since my bank rejected the direct deposit from my checking account I was never issued a check from Mr. Cooper. My escrow account is being tampered with yet no one at the company has done a thorough investigation into these happenings and Im still in the negative with a denial for closure. 

I had no issues with Mr. Cooper until as of late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Reinserted Account Request for Immediate Removal Dear Experian, I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX XXXX Account Number XXXX. The account was removed from my credit report XX/XX/year> as confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. I have proof of the account 's previous removal, including a letter from your bureau confirming the account was deleted '' or " a prior credit report showing the account was not listed ''. Furthermore, I did not receive the required notification at least XXXX  days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). Given these circumstances, I request the immediate removal of this account from my credit report. Enclosed with this letter are copies of the proof of removal and any other relevant documentation supporting my request. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I am a veteran who is XXXX XXXX XXXX perm and totalI have never been late ever. Unfortunately I was hospitalized due to XXXX XXXX XXXX XXXX was concerned about my loans so VA suggested I reach out to my lenders so I did, all were very helpful. I had no idea my loan got transferred to Axos bank from XXXX. I thought it was a 6 month deferment because we discussed that I was mistaken and i admit XXXX had tried to process ach during deferment and had apologized and said we will get money credited back or are in processbut if not we can just add time on end of loan.i have the emails and Im not complaining about XXXX, they were great. 

Apparently they were bought or merged with XXXX I just found out about 2 weeks agono mail, no calls and no emails until about 2 weeks agothe physical mail may have had correspondence but I have it forwarded and had not received anything. Anyhow Axos collection called and I was apprehensive because I hadnt gotten anything in mail or email or call prior so I responded cautiously to a XXXX. She then had a mgr reach out named XXXX and she was helpful and said she would have XXXX pull the deferment up and send and she didthen a day or so later a XXXX reached out from XXXX saying I need to contact asap..we emailed back and forth. I explained I was mistaken because original lender XXXX had ach my account under XXXX, pvtpmtprocessors, and XXXX XXXX XXXX my loan to which I had never been late XXXX said I need to make XXXX pmt by XX/XX/31 and the. XXXX more by XXXX. 

Then I get another email saying axos demand pmt by XX/XX/XXXX with a name I dont know as owner of my boat which XXXX the only owner and a bunch of fees and I needed to pay full amount of loan and fees by XXXX responded that I just found out XXXX weeks ago that XXXX bought Lavictoria out or merges but received nothing up until they called and a buddy said if they bought the loan you do have to resume pmts which I had already agreed to do with XXXX, but he said demanding full pmt with fees isnt right and he thought perhaps they weee re mistaken because the loan was just bought out by axos and secondly if a rep said this is the agreement t pay x by And the rest by x then they have to honor but more concerning is this demand letter.that probably realize you have equity and they can sell it and make $ XXXX. Multi XXXX bizI just want to continue paying for my boat just as I had on time every time for XXXX yrs this Axos has changed on me XXXX times with XXXX different people so I need your help..I was proactive as soon as I found out.scrapoed together $ and now its different I have most of it in written down. Sorry to bother yall but Va said reach out and I did..if you look at my credit I never missed XXXX and I could understand creditors being apprehensive but my history shows solid history on time and over the amountplease help..when my dad passed he made part of his estate that I needed to follow my dreams which had always been sailing, so he worded it if I left my job and pursued it then my part would be released by XXXX I did and every bit went to XXXX maybe thats why they want to act the way they arejust doesnt seem right? I need bem
Product: Payday loan, title loan, or personal loan

Company is applying none of my high payment towards the principle amount of the loan. Payback is five times higher than the original loan amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting to Experian for a collection account they have not provided a letter of debt verification. Please investigate this claim and delete this from my credit report.
Product: Debt collection

I had XXXX XXXX XXXX that I terminated when I moved in XX/XX/XXXX. Per XXXX XXXX instructions, I placed their modem in a pre-addressed box and shipped it back to them. They later informed me they had not received it. In XX/XX/XXXX, I spoke with a customer Support agent to verify that they had received it. I did not receive any additional communications or bills from XXXX after that date so assumed everything was resolved. 

This month, XXXX of XXXX, I received a notification that a collections had been placed on my XXXX and XXXX  credit reports by IC Systems. I have not received any communications from IC Systems. When I called IC Systems they informed me that the collections was in fact for the unreturned modem, and that they had been sending letters to the address provided by XXXX, where I lived up until XXXX of XXXX. The agent then told me they can not offer any resolution then abruptly disconnected from the call. Of course I never received these letters as they were sent to my old address. 

I checked and my current address is accurate on both my XXXX  and XXXX  credit reports, so would have been available for IC Systems to reference. 

Not only was this debt previously addressed with the original company, XXXX, I received no communications neither from XXXX nor IC Systems informing me they still considered the debt to be outstanding before it was reported to Credit Bureaus.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Debt collection

I am writing to formally dispute a debt collection entry reported to my credit file by Reliant Capital Solutions. I have never engaged in any business with this company, nor have I entered into any contract or agreement that would authorize this claim. Therefore, I am requesting that Reliant Capital Solutions provide documentation verifying the legitimacy of this debt. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request the following : A debt validation letter that includes information about the original creditor, the amount owed, and the nature of the debt. 
Proof of a contract or agreement that obligates me to pay Reliant Capital Solutions or any affiliated entity. 
A detailed payment history and itemization of the debt amount claimed. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill for account CAPITAL ONE BANK USA Opened XXXX XXXX, XXXX did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorizr anyone employed by these companies to make any inquiries nor to my pull my consumer report. In addition I did not give permission to furnish such items to my consumer report. The erroneous information violates Fair Credit Report ACT section 1681b ( c ) which constitutes as fraud.

I've attached my personal identifiable information to this complaint. FCRA section 605b ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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. 
The accounts that was not authorized ; XXXX XXXX IC Systems Inquiries ; XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

world sold debt to XXXX XXXX XXXX XXXX, THEN TO XXXX XXXX AND FINALLY LEGAL COUNSEL FROM XXXX SENT LETTER ATTACHED, CANCELLING DEBT AND REMOVING FROM ALL CRAS. XXXX AND XXXX RE-INSERTED THIS TRADELINE AND REFUSE TO REMOVE IT.
Product: Credit card or prepaid card

On or about XX/XX/18, I called to inquire about a large increase in my APR ( around 30 % ). I was initially told it could be fixed, then told it was not an error and was increased for all card holders and they sent a letter to me. 

I informed Chase reps that I never received notification. They told me they sent out 100s of thousands of letters and it isn't their responsibility to make sure I get the letter, but rather MY responsibility. Was informed it was my responsibility to tell them I was never notified. It's unfair to put the burden on the consumer who does not even know to expect said letter, especially when this information is not included in the online section that includes imortant letters and communications from the company. 

I would have never agreed to the terms and would have used other available monies. I asked that a one time courtesy be applied and my rate be restored to previous rate for purchases made to date and was denied in entirety. As Chase maintains that it was my responsibility to notify them that I never received the change in terms even though, I knew nothing about the new terms until I found out on out about XX/XX/18. 

The creditor has the responsibility to inform the consumer. I was not informed. The creditor entrusted a 3rd party to get me that information and somewhere along the line from either one of their employees or the 3rd party delivering the mail, it did not make it to me. It is unjust to penalize me, the consumer, especially when it is common knowledge that things do get lost in the mail, on occasion and the creditor had other ways to ensure that I got the notification, such as mailing it certified, or additionally, including a copy in the online platform, especially in the inbox they design, designate and provide to the consumer for important communications and letters from Chase. 

I have the right to be notified and decide and I was deprived of that through no fault of my own and the credit card company is not only refusing to work with me to rectify the situation, but penalizing me for it and putting the burden of notification on me, the consumer..
Product: Mortgage

Ocwen is the servicer on our Mortgage. We have been in our home for 20 years and they claim we owe XXXX. The loan was transferred to them around 2008 and has never been recorded in the Court. We have constantly asked for proof of how much we owe, it has never been provided. Now they are trying to foreclose on our home.
Product: Debt collection

Over the past month, I have received nearly a dozen calls and voicemails from someone claiming to be XXXX XXXX at StarMark Financial. I called back most times and asked them to stop contacting me and that I was not the person they were looking for. The calls have continued and I was met with an attitude from XXXX. The company is harassing me for having the misfortune of getting a new phone number that was presumably previously owned by a debtor. The calls are coming from spoofed phone numbers in violation of the Telephone Consumer Protection Act so I have to call back a different number that is mentioned in the voicemails. I would be glad to provide call logs if it would help the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX THIS ADDRESS DOES NOT AND HAS NOT BELONGED TO ME. I AM IDENTITY THEFT VICTIM AND EQUIFAX HAS NOT MADE THE CORRECTIVE ACTION TO REMOVE THE ADDRESS WHEN I RECEIVED THE UPDATED CREDIT REPORT IT STILL REMAINED. THE ADDRESS IS A FRAUDULENT ADDRESS AND FRAUD WAS COMITTED WITH IT IN MY NAME SO REMOVE IT.
Product: Debt collection

AmerAssist collection services XXXX, Account Number XXXX has been contacting family members, and left message on their cell phones saying that they, my family members, were named in a lawsuit against me because they share the same address. The matter involves what they say is {$380.00} in debt for braces of which is advertised as offered as a kit on there site for {$25.00} at XXXX. In fact, I am owed an over payment of {$95.00}. They have contacted my brother and mother at their personal cell phones with these threatening calls. I contacted the original creditor who is XXXX XXXX XXXX and notified them that they owe me {$95.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Equifax, XXXX and XXXX regarding their practices regarding my FICO score calculation on several occasions disputing the decreasing of my FICO score resulting from inquiry requests when I have placed a freeze on my credit file preventing any activity that would impact my FICO score. I was told as long as I have a freeze on my credit file NO ONE would be able to see my report and my FICO score wouldnt be impacted. My FICO score has decreased for the past year without explanation other than inquiry requests that were blocked by my credit file being frozen. Equifax, XXXX and XXXX has either refused to respond with a legal explanation for the decreasing of my FICO score. Equifax, XXXX and XXXX is illegally decreasing my FICO preventing me from becoming a homeowner for 3 years now. I am asking the Consumer Financial Protection Bureau to investigate Equifax, XXXX and XXXX practices of calculating my FICO score. Thank you in advance for all of your assistance regarding this matter. I have attached my credit report reflecting my FICO score for the year of 2021.
Product: Debt collection

I recently applied for an apartment. When I applied they notified me that I had a collection notice on my account and could not get the apartment. I contacted the collection agency as I did not know what the collection was for. I found out that they sent me to collections for nonpayment on another lease. It was a lease signed by my ex-husband and his girlfriend. They forged my signatures. I never signed this lease. I was completely unaware. Then my ex-husband died in XXXX. The collection agency is Hunter Warfield. the account number I have is Hunter Warfield # XXXX. 
I have been asking them for over a month and 12 phone calls to please send me a copy of this fraudulent lease so that I can file a police report. They have continued to tell me that they sent it. I never received anything. I have asked them to send it by certified mail. they said they can't. on XXXX I requested they email it to me, they agreed but I never received it. they do have my correct email address on file because I did get an email from them except it was not the fraudulent lease I requested. It's been more than 30 days since I requested the fraudulent lease and Hunter Warfield has continued to give me many excuses for why I haven't received it yet. i can't clear my credit report and this collection without this information
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report went down recently due to an unknown Citicards account being listed on my credit report as an authorized user. When trying to contact Citi they won't give me any account information or take me off even when I try to verify my identity. I tried disputing it, but It was not resolved in my favor and the account is still on my report lowering my score.