23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made a deposit into my checking account on XX/XX/XXXX. The check I deposited was from cornerstone Bank out of North Dakota cornerstone Bank released my funds on XX/XX/XXXX BECU as held my funds and as of presently still is holding my funds their response is to verify the funds and where the funds came from Cornerstone bank has contacted them numerous times without understanding why because the funds were released. according to BECU they say they have not been able to reach the bank to verify the funds which is FALSE! 
BECU has had my money since XX/XX/XXXX and continuously give me false information to hold my funds which is XXXX days now going on XXXX  days!!
Product: Mortgage

DITECH CHEATS CUSTOMER OUT OF HIS PMI REFUND! 

Ditech Financial LLC received a refund ( {$95.00} excess PMI payment, from the XXXX ) on or about XX/XX/XXXX, after a closing on a sale. Ditech then sat on this money. It finally mailed a company check for the aforementioned amount ( my refund ) to me approximately one year later!

I received the check on XXXX XXXX, XXXX, and deposited it immediately. It was rejected and returned to me, with the reason : CLOSED ACCOUNT In other words, Ditech wrote me a 'hot ' check! 

A letter to Ditechs office of record, ( in XXXX XXXX, MN ) regarding this matter was never responded to. Several calls to their listed contact number ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all XXXX ) have resulted in negative action to make good on this check. Ditechs Director of the Escalation Check Reissue Department, XXXX XXXX, in Ditechs XXXX, FL office, has consistently and deliberately blocked every refund request ( s ) turned in by lower-rung customer service individuals attempting to have the funds reissued and the matter closed.

Given Ditechs history of Chapter XXXX filings, I can see why certain individuals in positions of responsibility choose to cheat every customer at any opportunity. Even though companies like Ditech cant change their stripes, they should certainly be held legally accountable for the deliberate cheating of their past and present customers, with a stern Caveat Emptor warning to future ones.
Product: Credit reporting or other personal consumer reports

An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's XXXX me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files. Specifically, the negative accounts that are indicate in each letters attached to this complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you guys before about some things on my credit that are not mine. Im trying to help my mom get a loan for her expensive meds until she start working and this is keeping me from moving forward with my life. I am doing this on my own behalf. I have also contacted the FTC and my local police. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX  XXXX US DEP ED, XXXX and some account that only have an account number XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out to address significant concerns regarding inaccuracies I have identified on my credit report. Upon review, I discovered several errors, including incorrect account listings, unauthorized inquiries, inconsistent billing details, and accounts that do not belong to me. These discrepancies are affecting my financial stability, and I urgently require your assistance to rectify them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Dear Sirs CFPB Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I'm reaching out because TransUnion is helping Account Name put incorrect information on my credit report related to the account below : Account Name XXXX XXXX  Account # XXXX As Defined by the IRS XXXX The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

*15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : * " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, l 've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete this incorrect information from my report immediately.
Product: Debt collection

The company keeps sending me text messages at roughly XXXX, my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  jas customer service in XXXX that is not taught laws but how to lie so me the consumer thinks I am the crook or person comitting fraud. I have 1 hard inquirey I didnt make with XXXX XXXX. I didnt ask or allow XXXXXXXX XXXX use my credit report for fraud. Also XXXX XXXX has a couple accounts that arent mine on my report. All of these I told them to use FAIR CREDIT REPORTING ACT 604, 609,611 and 623 to investigate and give me decisions showing that they did proper and the legalway to investigare. They lie and just say they did investigation and want.
Product: Credit card

We received written notification of a new {$1.00} " Paper statement fee '' last week XXXX. We then received our XXXX paper statement on XXXX. On that statement we saw that we had already been charged not only the {$1.00} paper statement fee but also a {$30.00} Late Payment fee and a {$2.00} minimum interest fee for a total of. 

Our payment due date was XXXX our correct and prescheduled payment of {$130.00} was processed ahead of schedule on XXXX. All of these fees were charged AFTER that and PRIOR to our notification of the new fee and our subsequent ability to register for the free online statement delivery. 

We called Customer service but they were closed and the line simply went dead.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was a hard credit report documented under my name. To my knowledge, I have not authorized any hard credit report to be pulled under my name since XX/XX/XXXX.
Product: Debt collection

My locker at work was broken into and my personal information was stolen. I filed a police report to dispute this unauthorized fraudulent account which was opened in my name without my consent. I never had a XXXX XXXX account ever to even accumulate a debt.
Product: Credit reporting or other personal consumer reports

All XXXX buroughs have received a letter from XXXX XXXX stating I am not responsible for this debt.I want it deleted asap.
Product: Mortgage

I have a FHA mortgage in good standing with Suntrust Now Truist, I asked in writing to have my Mortgage Insurance Premium removed as soon as my loan reaches a LTV of 80 %. We fit all requirements for this, our loan is at least 5 years old, and we have no delinquent payments ever. I received a letter back from Suntrust Now Truist on XX/XX/2021 stating incorrectly that they can not delete my premiums until my LTV reaches 78 %. 

The law clearly states that if I am in good standing and give them written notice, they must delete my premium charges as soon as I am below 80 %, and they must delete it when I reach 78 % if I take no action. I have given them the request in writing, and they have denied my request and have kept charging me the MIP every month. Their letter stated they would stop charging me when I reach 78 % LTV after XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I cant access my student loans where XXXX cant even pay for them but its saying my limit has decreased and a day later now says increased? They have done this twice now so theyve opened up my line of credit XXXX times total dropping my credit horribly.
Product: Student loan

I contacted XXXX XXXX XXXX to negotiate a lower interest rate on my student load after it had recently gone up again. They told me that they were only the servicer of the loan and that I must contact XXXX XXXX XXXX, who they said owned the loan, to speak about interest rates. I called XXXX XXXX XXXX and gave them my full name & SS # and they could not locate me in their files. Now I am wondering who I am paying and why my interest rate went up if nobody owns this loan.
Product: Credit reporting or other personal consumer reports

around XXXX of XXXX  I noticed a collection account on my credit report that did not belong to me. this would be with a collection agency called XXXX XXXX I made several attempts with this collection agency to remove this information. XXXX XXXX  refused to accept my police report and ftc affidavit they had one goal in mind and that was for me to pay the amount I did not owe. after I failed to get XXXX XXXX  to remove this from my report I filed a dispute with XXXX and Experian via us mail. ive received no response and now need the cfpb to step in and assist me in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1631 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

There were numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. I gave them a 30 day demand to compliance as I am able to legally. They have responded to me or provided any information. I am requesting to have these items removed. I only have 2 inquiries and that's for XXXX. Everything else was not done on my behalf.
Product: Mortgage

requested statement of account for the year to date in XX/XX/XXXX while capital one was still servicer of mortgage. mortgage was scheduled to be transferred to another sevicer XX/XX/XXXXXXXX money unfairly held in unapplied funds was allegedly applied to principal after a prior complaint to the cfpb requesting this. representative greed to send .capital one blatently ignored my request I now have no proof that capital one applied my funds to principal i have no proof of correct loan balance to compare with new servicer
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCT Name : XXXX  XXXX****, XXXX XXXX & XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I wrote Select Portfolio Servicing Inc a letter on XX/XX/2020 informing them to only contact me by mail. They continues to call me at all times during the day including after business hours on past occasion. When i did speak to a representative I was told these are computer generated calls and that is why I has to wait for the call to be transfered to a live person. I had spoken to the representative and informed the representative for Select Portfoloi Servicing Inc to only contact me via mail prior to mailing the letter out to Select portfolio Services Inc. They had continue to harass me with phone calls after I spoke to the representative, then I wrote them a letter which did not stop them from calling.
Product: Debt collection

Dear : XXXX XXXX  XXXX XXXX XXXX and Pro Collect I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This account has been settled and closed due to negligence of a employer i would like applications and signatures request and i want to attach the Fair credit reporting act Sincerely, Your name Enclosures : Cease & Desist Letter XXXX XXXX XXXXXXXX XXXX XXXX and PRO COLLECT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Attn : Collection or Customer Service XXXX Installment Account Ref No XXXX Dear RESIDENCE AT XXXX XXXX XXXX and PRO COLLECT : This will serve as your legal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C 1692, to cease and desist all further communication with me regarding the above reference debt or debts. You are herby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State Law. 
If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for the enforcement of the FDCPA and the Texas Attorney General. 
I have decided that I do not want to work with the collection agency or any other collection agency under any circumstances. I will contact the original creditor directly in order to resolve this matter. By sending this letter it is my intention to stop all your calls and collection activity from this day forth. 
I also reserve the right to file suit against you for any future violations of this law. I may use telephone recording devices to document any telephone conversations that we may have in the future if you fail to comply with this cease-and-desist letter. You are also notified that should any adverse information be placed against my credit report as a result of this notice that appropriate actions will be taken. I intend to keep a log of any contacts you make with me after you receive this letter. You may not contact me at my place of employment as my employer forbids such communication. 

I have been disputing this for a long time already and I have wrote them several times to take this off my credit report and I have told them this was not me who opened this account. I been disputing this since 2015 because they state i lived here. I have personally went to this apartment complex and politely have asked them for the original documents, applications and signatures and they state they do not have them. This was done when I was going through a divorce and i know that the man who I was married to did this because he knew the manager back then. And this manager is no longer apart of this apartment complex. The state I owe XXXX dollars for cleaning services and abandonment charges and broken leases. I have never lived in XXXX Texas. I have always lived in XXXX XXXX texas. This has stopped me from helping my children get apartments and cars because i cant be a co signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There is a lot of old addresses on my credit report. I would like them removed because I am looking to buy a house in the near future. Because of identity theft and other things, I want the old addresses gone and i don't want someone claiming to be me at the old address. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

A company by the name of XXXX XXXX has allowed someone to use my personal information to open a auto loan close to the amount of {$49000.00}. I didnt give anyone permission to use my personal information. This is fraudulent. I was never contacted by XXXX XXXX before opening a loan in my name and I have a credit alert on my credit reports to be contacted before opening anything in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo
se
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX 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 generallf, 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, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, account name XXXX account number XXXX. 

XXXX account number XXXX. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, 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 XXXX5 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries XXXX5 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

I understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle loan that was sold to an insurance company that has submitted incorrect information to credit burues multiple times. After disputing the information via XXXX, which resulted in no update or any information changes. The creditor has continued to report incorrect information to negatively affect my ability to obtain a loan deliberately. I have contacted them directly multiple times and they deny the accounts existence. Intentionally doing this to prevent me from having this issue resolved to allow them more time to continue to submit detrimental information to credit burues. This includes their denying payoff by the dealership that the car was sold to by me when I purchased another vehicle. Items such as repossession of the vehicle over and over continue to display on my report and I am unable to get any assistance with this. I know the dealership went through a great deal just to locate this creditor and if it is resolved after almost a year of them having the vehicle I was not updated nor does it display that on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX started reporting late. And stayed reporting late until XXXX XXXX  when it was paid in full. 
XXXX was paid weekly {$160.00} drafted from my account, instead of applying the funds to the account balance the company held the money until they received XXXX payment. If they would have applied the funds it would have decreased the balance each week and interest. The account was paid in full and sold in XXXX, 9 years after purchase. 
Now my credit report history appears that I wasn't paying my mortgage because it doesn't show a single payment on time. This is incorrect and is preventing me from buying a home. I am a productive citizen working in the XXXX industry. Even when I was out of work from workers comp in XXXX  I was still paying my mortgage.
Product: Credit reporting or other personal consumer reports

My loans are being double reported on my credit report. I have a consolidated loan of a total of {$56000.00} with XXXX XXXX. Included in the loan is {$22000.00} and {$33000.00}. On my credit report the {$56000.00} total is shown but also a separate loan for {$22000.00}. I have contacted both XXXX XXXX  and Experian. The issue had been resoled but then weeks later it gets double reported again. I have disputed with Experian multiple times, in which XXXX XXXX has sent my updated loan amount but every time my dispute is either denied, or the loan amount is corrected for a few weeks and then changed out. These are the dates of the XXXX, XX/XX/year>. My XXXX XXXX keeps lowering because of their false and double reporting of my loan amount.