23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was offered a loan modification in XXXX XXXX and signed it and it was recorded onto my property. The agreement also removed my ex wife from the mortgage. I am attaching a recorded copy of the agreement to this complaint. I have also removed my ex wife 's name from the title of my home. My servicer, Roundpoint, after violating RESPA Regulation X by evading review for almost six months, improperly reporting and collecting on a loan that was modified in XXXX, ruining my credit and costing me thousands of dollars in legal fees, is still showing me in arrears and they state to my attorney that they can not recognize the loan modification that I signed because it somehow does n't meet their system requirements for default. They then after stalling for 6 months stating they did n't have a complete file, finally issued a new loan modification agreement and they are trying to add my ex wife 's name back onto my mortgage. They also asked for a large down payment. I have done nothing wrong here. My attorney asked Roundpoint to contact the investor/owner of the loan to get this problem ( which is on their side ) resolved so my loan can finally be out of limbo. I feel I have been victimized by both my servicer and the investor of this loan " XXXX XXXX XXXX XXXX XXXX ''. Roundpoint purposely avoids discussing this account. Every time my attorney contacts them to try and resolve THEIR error, they put him into voice mail and never return the call. The VP of the servicer wrote some fraudulent letter stating they did nothing wrong, but it is very easy to understand. They are servicing a loan that was modified and they refuse to recognize it. Ruining my credit, costing me thousands of dollars in legal fees and stress that is easily fixable if they would just contact the investor and stop avoiding the problem. My loan was modified in XXXX. As of today they still show me due for XXXX XXXX, XXXX. This can not be legal. Roundpoint is a crooked servicer who thinks they do n't have to follow Respa law regarding servicing and servicing loss mitigation situations.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX The following inquiries were not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 attempted to sign up to TransUnion to receive my free annual credit report on XX/XX/XXXX. However, there is no method on the site to receive a free credit report - the only method is by signing up for a " premium '' credit monitoring system that charges a monthly XXXX dollars for " credit monitoring ''. 

I confirmed this with a sales representative ( XXXX ) on XX/XX/XXXX, who further clarified that the only ways of receiving a credit report from transunion is through paying for the premium credit monitoring system, or a once-yearly XXXX cent transaction. 
The latter XXXX cent transaction is nowhere on their landing site. 

There was no mention of the federally mandated once early free credit report.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full. 
This breach is a clear violation of FERPA And your responsibility to safeguard my information.
Product: Debt collection

I do not recall receiving any information and this debt. I began to show up on my credit report stating that I owed money. When I called they could not give me any more information just stating that I owed a debt.
Product: Credit card

Noticed my PepBoys account/ Synchrony Bank was closed the representative said it was closed due to my credit score. Which doesnt make sense because I always paid my account on time it is on auto pay through my bank. This in turn has had a negative effect on my credit score. I feel I was treated unfairly. Which has caused a negative outcome. I would fully understand the decision if my card was in default however that couldnt be further from the truth! Companies cant treat consumers in this manner without proper cause and my credit score doesnt have any bearings after being given credit with a company and as stated previously payments were on time and up to date. Nor did anyone explain these stipulations prior to credit approval. This is completely unacceptable and no consumer should be treated in this manner!
Product: Credit reporting or other personal consumer reports

Reviewed credit report over last week and found MULTIPLE inquiries related to things not from me over the last couple months for accounts I DO NOT have nor have I authorized to run my credit as I am trying to fix my credit
Product: Credit reporting or other personal consumer reports

USAA FEDERAL SAVINGS BANK, has inaccurately reported a late payment on my account. Evidence is submitted below.
Product: Vehicle loan or lease

JPMORGAN CHASE AUTO has engage in unfair behavior and willfully noncompliance with the law, knowingly using deceptive tactics to undermine my creditability and give lenders the wrong impression. On XX/XX/2022 Chase Auto has furnished a transaction as Late to XXXX, XXXX and XXXX, XXXX and XXXX Has deleted the false late pay. This is costing me severely limit opportunities, such as funding my business, can not buy a home. 
I would like to bring something to your attention. According to FCRA 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with JPMorgan Chase Auto company by law are excluded from my consumer report. Chase fails to correct inaccurate file data.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to Equifax 's mishandling of my identity theft report and its failure to comply with FCRA Section XXXX. Despite my submission of a XXXX deletion request on XX/XX/year>, through CFPB complaint # XXXX, Equifax has not removed fraudulent accounts from my credit report within the legally mandated XXXX business days. My request included a sworn crime report, proof of identity, and proof of address. Multiple follow-up calls with Equifax supervisors have not resolved this issue. 

Timeline of Events and Relevant Details : XX/XX/year> : Submitted a XXXX deletion request to Equifax with all required documentation to block fraudulent accounts via CFPB complaint # XXXX. 

XX/XX/year> : Contacted Equifax to check the status of my request. XXXX XXXX ( XXXX # XXXX ) indicated that the dispute was still under investigation, despite XXXX not requiring creditor verification. 

XX/XX/year> : XXXX XXXX ( XXXX # XXXX ) reiterated that the dispute was ongoing. I reminded him that FCRA Section XXXX mandates no further investigation once an identity theft affidavit is submitted. 

XX/XX/year> : XXXX XXXX ( XXXX # XXXX ) stated that my XXXX request could not be blocked and that I would need to wait XXXX days, contradicting the laws XXXX processing requirement. 

XXXX XXXX XXXX : Spoke with multiple Equifax representatives to clarify my request : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX # XXXX ) incorrectly opened a regular dispute rather than a XXXX block. 
XXXX XXXX ( XXXX # XXXX ) : Informed me that he could not assist with the fraudulent account issue. 
XXXX XXXX ( XXXX # XXXX ) : Stated that she could not help ( Complaint # XXXX ). 
XXXX XXXX ( XXXX # XXXX ) : Claimed that Equifax employees could not review dispute documents and only the back-office team could handle this task. 
Concerns and Requests : Equifax has repeatedly mishandled my XXXX deletion request, treating it as a standard dispute and ignoring legal requirements to block fraudulent accounts without further investigation. This has resulted in delays that violate my rights under FCRA XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute   XXXX    XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. This lack of compliance has also caused me significant financial loss and undue hardship. Many times, with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan servicing reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint made by me XXXX XXXX along with this is a nortorized affidavit in the uploaded documents showing that it is me that made the complaint not a third party company. I am a victim of identity theft. I sent to the credit reporting agencies the ftc reports and the letter and the affidavit to have them remove the accounts that are identity theft.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX [ XXXX XXXX XXXX XXXX ] [ Agency Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccuracies on Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccuracies on my credit report as provided by your agency. Upon reviewing my report, I have identified several discrepancies requiring correction.

1. **Account Information** : - **Account Name** : XXXX XXXX XXXX - XXXX XXXX : The report indicates this account was closed on XX/XX/XXXX, but it also shows a reported balance of {$17000.00} as of XX/XX/XXXX. This is contradictory, as a closed account should not have an outstanding balance. 
- **Highest Balance** : The report states a highest balance of {$36000.00} and indicates that I've paid off 50 % of this loan. However, the payment history indicates that I've only made 19 % of payments on time, which raises concerns about the accuracy of the reported information. 

2. **Payment History** : The payment history reflects an inconsistent pattern with markings indicating missed payments ( XXXX ) for several months. I request a detailed breakdown of these payments to verify their accuracy. 

3. **Loan Overview** : The loan is reported as opened on XX/XX/XXXX, with a term of 72 months. I would like clarification on the status of this loan and any relevant payment records that pertain to it. 

In compliance with the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide written verification of your findings. If any information is found to be inaccurate, I ask that it be corrected or removed from my credit report. 

Enclosed are copies of my credit report highlighting the discrepancies along with any relevant supporting documents. I appreciate your prompt attention to this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus XXXX XXXX to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and XXXX depressed I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of { XXXX } opened on XX/XX/2021 that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT XXXX! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.remove this now i demand u remove it now because yall need to stop playing with my report.
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 USC 1681. 

Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, # XXXX Account name XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : 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 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: Vehicle loan or lease

XX/XX/XXXX I purchased my 2nd vehicle from XXXX XXXX. I went back because my first truck was perfect never had any problems. this particular XXXX XXXX was perfect so I thought, I trusted this company, since I had been there before, and they reassured me that they do a full check on all of there vehicles, and I was getting a great deal. 

6 months into the loan, the XXXX had major problems, from key not working, computer issues, fuel injection problems, transmission issues along with faulty brake system starting to happen. 
I took the truck to several places, and they stated i got a bad deal, the truck was totally patched up, and I should trade it immediately. 
Finally I stopped driving the truck, and stopped making payments until I was able to come to come to an agreement with the finance company, who I explained what was going on, where the truck was, could they work with me? They where only concerned about the payment, not that the truck as no longer running. ( Regional Acceptance Corp XXXX NC ) .after 8 months I told them I would have to do a voluntary Repo, if they could not put off payments until the dealership came to resolution about selling me a LEMON , because of my age I feel this is predatory lending. They knew the truck had water damage and other issues, and sold it to me at 28 % interest. I believe they where working together. ( XXXX XXXX and Regional AC ) To make a long story short, they picked up the truck with NO NOTICE, No correspondence for a repo was ever given or sent. The first letter I got ONCE the car was picked up was XX/XX/XXXX, " you broke a promise '' so we picked up the truck '' that was sold to me for XXXX and it would be sold on or before XX/XX/XXXX. 

On XX/XX/XXXX I received a letter stating they sold the truck for XXXX, and I still owed them XXXX in interest. This is Predatory lending at its finest, I want all information removed for ALL credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent the credit bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the credit bureau 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX XXXX Open Date XX/XX/XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX, and XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.