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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Mortgage

NewRez LLC has sent us two notices stating that they have not received a copy of the proof of insurance provided by our HOA. However, we have sent this to them repeatedly via online portal, mail, and fax. They still refuse to acknowledge the receipt of this proof of insurance and will now open an insurance account in our name and charge it to our escrow account. We have consistently attempted to reach them via their customer phone line, but no one ever answers the phone during business hours. Initially, we submitted proof of insurance via mail in XXXX. We also submitted proof of insurance via their online portal in XXXX of XXXX. We then received a second notice in XXXX of XXXX, so we attempted to submit a copy of the updated proof of insurance on XX/XX/2023 via their online portal at https : XXXX as given on their notice. This link did not work, and it still does not work as of today, XX/XX/2023. So, on XX/XX/2023, we faxed a copy of the insurance policy to the phone number they provided, XXXX. This fax was successfully sent from phone number XXXX on XX/XX/2023 by the fax company XXXX. Despite this, on XX/XX/2023, we were sent a notice by mail that an insurance account would be taken out in our name and billed to our mortgage 's escrow account, effective a prior date of XX/XX/2023. This insurance account has an annual premium of {$760.00}, an amount that we did not agree to. We have repeatedly attempted to contact them and sent this proof via every avenue provided, yet they have failed to acknowledge receipt of our proof or answer or respond to our phone calls, mailings, or faxes. NewRez LLC 's online portal has not worked or been maintained, and they are actively engaging in a form of consumer fraud.
Product: Credit reporting or other personal consumer reports

In accordence with the fair credit reporting act XXXX. Account # XXXX. And 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

I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   ). On  XXXX ,  XXXX  because  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since  XXXX  I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all three credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XXXX / XXXX / XXXX  and in  XXXX / XXXX / XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XXXX / XXXX / XXXX . There was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX   Attacked  me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX   Inquiry be removed My  my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The inquiry was submitted on  XXXX   XXXX  and on  XXXX   XXXX ,  XXXX  without authorization or consent.     2.   XXXX   XXXX   XXXX   3  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . Both without authorization or consent.      XXXX .  XXXX   XXXX  Services  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . Both without authorization or consent.     4.   XXXX   XXXX   XXXX  nce  XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  Without authorization or consent.      5.    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX . Both without authorization or consent.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report for Experian and seen a list of inquiries i did not recognize, apply for or authorize and i request for these to be removed because they are violating my consumer rights under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding includes ; expect as provided in section 15USC 21681g ( a ) ( 5 ) of title, a consumer reporting agency shall not furnish to any person a record of inquires in collection with a credit or insurance transaction that is not initiated by a consumer inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I signed a notarized affidavit disputing the bank 's payment of a check. The notary was the supervisor of the XXXX XXXX XXXX XXXX center of Fulton Bank. The affidavit was submitted by e-mail or fax to the supervisor of the XXXX XXXX XXXX XXXX  center, where my Fulton account is located. Check XXXX for {$250.00} was written to the XXXX  XXXX XXXX on XX/XX/XXXX, but that bank never received it. When I requested a copy of the check, it was indicated that the bank paid it XX/XX/XXXX. It was endorsed by someone signing my name though it was payable to XXXX  XXXX XXXX. The endorsement looked nothing like my signature as payer. The supervisor of Fulton 's XXXX XXXX XXXX XXXX, XXXX XXXX, indicated it would be 5 or 6 months until my money would be returned. 

On XX/XX/XXXX, I wrote to XXXX XXXX requesting an update on my dispute. I supplied my mailing address, e-mail address and phone number but received no response. On XX/XX/XXXX, I wrote to CEO XXXX XXXX XXXX of Fulton Bank at the bank 's XXXX, XXXX headquarters to inform him that I thought I should receive better service from his bank.
Product: Debt collection

I dismiss ownership of this debt. The creditor even went as for as sending a picture along with my academic records to a debt collector ( separate cause for action ) alleging a sum that I do not owe. Debt collector in turn has been trying to collect on said debt to the point where after I successfully had the account in question removed from my credit, Conserve immediately re-entered it on my credit in a duplicated form which logically means that an account will be showing up as six ( 6 ) collections across the 3 credit reference agencies. This bullying tactic is contrary to the law and shall not be left unchallenged. Conserve ought to delete these derogatory accounts as a matter of urgency and return this disputed account to the creditor for this matter to be resolved. 

The documents submitted are at best inaccurate and at worse, fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

There is a bill owed for {$230.00}. Day Knight & Associates are attempting to collect the debt, however they are charging interest and treating to have the client file suit against me and have me to pay for court costs and fees. The interest thus far is {$10.00}.
Product: Debt collection

This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between NCB Management Services and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines i.e. last verified, date of last activity, date reported, date opened, dispute status, account status. EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT!! The account is in charge off status but it is still reporting I have a balanced owed that is not possible if the account has been charged off on the companies profit/loss statement. This is also another FCRA violation and also tax fraud in the eyes of the IRS.
Product: Mortgage

This is the 3rd time this situation has come up with this company. 

I received letters via regular mail. The latest one is dated XX/XX/2021. It is a bill for {$2500.00}, which states that it includes an overdue payment from XX/XX/XXXX for {$1200.00}. First -- why would I get an overdue notice for 4 days past the XX/XX/XXXX? I paid the mortgage on the XX/XX/XXXX and have an email from the company dated XX/XX/XXXX, that states my payment of {$1200.00} was received! I had actually paid it on the XX/XX/XXXX. Apparently payments take a few days to record on their end. 

I am not late making my payment, nor have I EVER been.
Product: Credit reporting or other personal consumer reports

I have inquires on my Experian consumer report that I did not give consent to. These inquiries do not benefit me. They are unauthorized. Please block and delete them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, 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

re : my mortgage with XXXX XXXX Mortgage loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XXXX never wrote me or call me to ask me about this missing payment So on XXXX XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.
Product: Debt collection

I made several attempts to contact AFNI Collections through correspondence of mail asking to validate the debt. No response was ever received from AFNI. On XXXX XXXX I sent an email asking for it to be deleted. Two days later I received an email from AFNI saying they were no longer handling the account and will submit a request to the credit bureaus to have item deleted. Here it is no deletion has taken place on my credit files. I called the credit bureaus on XXXX XXXX and were told nothing had been submitted electronically asking them to delete the item.
Product: Credit reporting

Since becoming the victim of identity theft ( XX/XX/2016 ), I have had numerous fraudulent accounts opened in my name. I then dispute them with the credit reporting agencies. XXXX and XXXX have been pretty good about deleting the fraudulent accounts and/or collections but Experian will not help me, even after repeated ( and extremely long ) phone calls.
Product: Mortgage

Fay Services purchase my  home loan from XXXX XXXX.They have not send me statement in two months.  They stated it was problem with their systemThe main problem is they are holding my money until they get the full monthly payment.They are changing my loan agreement.    Without written permission.  They knew how my money was applied before they purchase.  I made a payment on the XX/XX/XXXX and XX/XX/XXXX and they held my money until XX/XX/XXXX.  They are probably get some interest from some bank for that period. .  They are charging me money on interest for they are not applied my money when it come in.I have statement from the for several years,   showing when I made  half payment it applied,  They can not change my contact without my consent.    They are just making more money for them self.   When I called them stated,  they have the right to hold my money,  where does anybody have the right to hold money  when been send.  I not know of any company banks or anybody else does this.  They should have their license taken away from them
Product: Credit reporting

I use to have a XXXX XXXX that was opened in XXXX/XXXX/XXXX and paid in full by XXXX/XXXX/XXXX. Credit card was Paid off in full before I closed that account, yet TransUnion is reporting it as placed on collection XXXX/XXXX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 
Why is the credit card that a consumer paid in full and closed being reported / forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices. How can a credit card that a consumer paid in full and closed being reported being forwarded to collection agency and reflected on my credit report as in collection. I reported this to TransUnion XX/XX/XXXX and yet no action has been taken
Product: Student loan

I am writing to formally request assistance regarding a critical issue with my Mohela student loan account. I have been unable to access my account because Mohela has failed to locate my phone number and Social Security number, despite having this information previously on file.

As a result, I am currently unable to make payments or manage my student loan account, even though I have been trying to for months. I have already taken the following steps to resolve this issue : -Attempted to contact Mohela customer service multiple times, including waiting on hold for over 4 hours without resolution, MULTIPLE times.

-Provided my personal information multiple times to verify my identity, yet Mohela continues to claim they can not locate my account. 
-Attempted to reset my login credentials, but I am unable to receive authentication codes due to Mohelas inability to verify my contact information.

This situation is unacceptable, as failure to make timely payments due to Mohelas system errors could result in unnecessary penalties, credit damage, or loan delinquency. I am requesting an immediate resolution, including : -Restoring access to my Mohela account so I can make payments and manage my loans.

-Verification of my personal information to ensure my records are correct. 
-Confirmation that my account is not negatively impacted by this situation, including any late fees, credit reporting issues, or disruptions in repayment plans. 

Please advise on how this issue can be escalated for a swift resolution. If I do not receive a timely response, I will be forced to escalate this matter to the Department of Education and other relevant authorities. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX  XXXX Balance Owed : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to several complaints against XXXX XXXX XXXX, who acquires CC portfolios, which they can not properly verify the balances. 
XXXX has been reported for non-compliance to the FCRA, and the FDCPA several times, regarding a CC account which they claimed as purchased, and they do not want to delete after never being able to verify, and trying to collect amounts not owed. 
JCS on complaint ending in XXXX, keeps reporting the account with XXXX  balance as a charge-off, where clearly mentions on the experian report they owe. 
Since XXXX, both XXXX  and XXXX have been at fault, due to non-compliance with the FCRA, as CRA and actual borrower. The fact after more than 6 months from the first complaint properly mailed to both, and documented receipt is a breach for more than 5 months to the FCRA, while the timeline is clear and never acted timely according to it. Due to the previous, both XXXX, XXXX and/or BBVA as actual creditor, and original creditor in each case are obligated to remove the account or correct the status ti current at time of closing on XX/XX/2019 with XXXX balance and current. The Continuous non-compliance is clear, after 5 months after they were not able to verify the properly the pretended amount. The FCRA gives the right in this case to the consumer, to claim {$1000.00} per case which I am claiming here in addition to any sanctions to the 3 non compliant parties. I request CFPB to act accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALL XXXX XXXX  ABOUT AN PREVIOUS CREDIT ACCOUNT AND THEY TOLD ME THEY DONT HAVE ANY INFORMATION ABOUT MY PERSON AND THIS MENTION ACCOUNT DUE THE FACT THEY SOLD THIS ACCOUNT TO JHPDE FINANCE 1, LLC . ( THEY SOLD ALL MY INFORMATION IN A PORTAFOLIO TO JHPDE ). 
I ASK THE XXXX AGENT IF I OWN XXXX XXXX  ANY SUM OF MONEY AND SHE SAD NOOOOO!!! 

I CALL JHPDE FINANCE 1, LLC AND THE AGENT OF THIS COMPANY TOLD ME I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH JHPDE FINANCE BUT I NEED TO PAID JHPDE FINANCE DUE THE FACT I OWN XXXX XXXX  .... ( XXXX ) I DO NOT OWN JHPDE FINANCE NOTHING!!!!

WE DE DONT HAVE ANY BUSSINES, SIGNED CONTRACT OR AGREEMENT.
Product: Credit reporting or other personal consumer reports

Company is in violation of 5 U.S. Code 1681, also known as the Fair Credit Reporting Act, contains congressional findings and a statement of purpose for credit reporting agencies.

The findings and statement of purpose include : Confidentiality : Information must be kept confidential.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of this year I received a credit monitoring alert that Conn 's Home Plus had reported my account 30 days past due for the month of XX/XX/XXXX. This is incorrect. My account has never been over 30 days past due. I called them immediately and they stated that there was a processing error with their extensions that they granted me. I am in the process of restoring my credit and buying a house. The negative reporting has dropped my score by more than 40 points. I have been a loyal customer with Conn 's. This is unfair and not right. I have been so stressed out about the negative reporting.