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

I recently received an updated consumer credit profile from TransUnion dated XX/XX/2022 and I was examining my consumer credit profile I notice that TransUnion are still reporting XXXX XXXX XXXX which is an improper name and they're six different accounts reporting all having different accounts and balances but there was only one so called loan given, that's reporting false and misleading information which is a violation of 12 CFR 1006.18 and also 15 USC 1692e ( 2 ) ( A ) all these accounts are more than 7 years old so they shouldn't even be reporting on my consumer credit profile at all and to stop reporting my personal private information without prior written consent which is a violation of 15 USC 6801, 15 USC 6802, and also 15 USC 6803
Product: Payday loan, title loan, or personal loan

XXXX the company I worked for coached and marketed me through company email for salary finance company Through hard times and pandemic it sounded great. 
I later lost my job and my payment for salary finance was taken out of my paycheck every 2 weeks could not be withdrawn.

I reached out to the company on many occasions with no help.

Since then they have attached 10 late payments on my credit report I have payed the total amount owed even though they would not help me in any situation. 
They promised they would remove the last if I paid the balance in full. I payed and they have not adjusted my report.
Product: Debt collection

This is a formal complaint against RS Clark and Associates located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, RS Clark and Associates has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

I was told by Mr Cooper ( Nationstar ) that if I did not provide proof of insurance on my home they would buy insurance that I would have to then reimburse them for. I called them because I do have insurance and wanted to get this resolved as soon as possible. I tried several times over many minutes to speak to someone on both their Customer Service and Customer Complaint phone numbers. When I called the Customer Service number I was told to press 0 to speak with someone and was then told that 0 was an invalid choice. This happened a second time when I tried again and was then disconnected by Mr Cooper. When I called the Customer Complaint number I was told that I would speak to someone but went through many more prompts before I ended up back where I began. It is literally and unequivocally impossible to speak to anyone at that company. I was left stressed, worried that they would buy insurance and force me to pay for it, and unable to resolve anything except by sending an email. This company is dishonest, shady, and should not be allowed to hold something as important as someone's mortgage without allowing customers an opportunity to speak with a representative. I am aware that there are many, many other people who are unhappy with this company for more important reasons than mine. I am also aware of at least two class action lawsuits against this company. How they are allowed to keep doing business is beyond me. People should be allowed to choose who holds their mortgage. If they were then companies like would be more responsible or go out of business because no one trusts them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to XXXX, Equifax and XXXX on XX/XX/2020 requesting that hard inquiries, addresses and name corrections be removed from my credit report as they were erroneous. 

Equifax did not process my request until XX/XX/2020, XXXX  failed to process until XX/XX/2020, and XXXX XX/XX/2020. 

The inaccurate and erroneous information is negatively effecting my credit report and my ability to secure a loan to refinance my home. I have included documentation to support the steps taken on my behalf.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE Late Payment XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX and XX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

so I have been Wells Fargo for the last couple of weeks to show my loan paid in full it was paid off 3 weeks ago and they refuse to mark it paid in full on the credit bureau I have dealt with a couple of managers and this XXXX XXXX thinks she is god and will not report it until next month I am trying to buy a house and need this balance gone from my credit report. I am upset they will not report this correctly with the credit bureaus and I want this done ASAP this XXXX XXXX is very rude and won't lift a finger to help the credit still shows open and I owe XXXX it should be XXXX i even proof and they sitll won't do it
Product: Debt collection

BANK OF AMERICA XXXX XX/XX/XXXX {$8000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00}
Product: Debt collection

A Collection Account was reported by Capio Partners without any notification of attempt to collect a debt. I have Medical Insurance & payment is done via copayment. So this is not fair at all
Product: Debt or credit management

I seen that I was being charged too much and when I ask them why an I paying so much and nothing is changing or moving they stated that I would see improvements and that the amount they have taken was the fees associated with credit repairs. I ask for a break down of the charges. They stated they would send something in writing and we are still waiting!
Product: Payday loan, title loan, or personal loan

Almost 3 years ago, I was in desperate need of a loan. A friend told me about Title Max in XXXX, GA. I went in, explained that I needed {$4000.00}. They told me I qualified for {$7000.00} but they failed to tell me that I would probably NEVER be able to pay if off. No one explained that the full balance needed to be paid off within 30 days or that the interest rate was extremely high. I did n't discover that until almost a year into the My husband recently lost his job and I explained to Title Max that I could no longer afford to pay them as I am now the sole source of income for my family -- which includes XXXX kids in college. To date, I have paid TitleMax almost {$19.00}, XXXX on a {$7000.00} pawn. And the balance I owe now is MORE than I originally borrowed! I 've applied numerous times to have my case reviewed and my title returned and was told, " No ''. This seems blatantly immoral and illegal. I live in constant fear and stress that my vehicle will be repossessed.
Product: Vehicle loan or lease

We made XXXX payments this month and they are not applying them to our account. We paid them XXXX on XX/XX/XXXX and XXXX on XXXX and they are not adjusting our bill still showing same amount past due of XXXX and an outrageous late fee of over XXXX dollars. They DO NOT RESPOND to my messages and answer any inquiries.
Product: Bank account or service

Description from my complaint : On Monday, XXXX XXXX, I attempted to use my debit card and it was declined. Knowing there were funds available, I called the customer service number at Santander. I spoke to a woman who informed me that my card had been flagged for fraudulent activity and canceled/put on hold on Friday, XXXX XXXX. I never received a phone call telling me this. I tell her the charges on the card were not fraudulent, as I was traveling for work all week and weekend and had purchased the items. The woman then lifted the freeze on my card, and I was able to make an online purchase. 

A few hours later, I go to use my card again. It is declined. I call the bank back and am hung up on in the middle of speaking to someone twice. I call back a third time. The woman is so rude to me regarding the charges that I tell her I will go to my local branch. I walk to my local branch ( XXXX ), and the manager there informs me my card has this time been canceled, confirms a new one has been ordered, confirms my address and I leave. 

That was XXXX XXXX. Today is XXXX XXXX. After going to the bank numerous times and having the card sent to XXXX separate addresses, I have still not received a debit card. I have not had a debit card for my account for 43 days. 

I have already filled out a survey explaining all of this following my calls with the customer service center. No one ever called me. I have never been contacted regarding my issues, despite numerous phone calls and visits to my local branch. The service I have received, particularly being a new customer, is borderline unbelievable. 

At this time, I have gone on my online banking on my own and ordered a new card, and put in a THIRD address, hoping it would come there. To be very clear, both my home and the additional address I used ( work ) are extremely secure, so neither of these are instances of mail disappearing. They simply never arrived. 43 days later, I 'm ordering my own card, having never been contacted by customer service and still without a card, which I 'll spend another week waiting for, hoping it will arrive.
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a complaint to CFPB concerning Experian reporting XXXX XXXXXXXX Acct # XXXX, has violated my rights according to 15 USC 1681i Laws. I have waited more than 45 days and I have received no response from Experian. XXXX XXXX and Experian is holding me back from getting my family a home, higher credit limits and from getting funding to grow my business. This is very frustrating not only to me, but also my family ... .... 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 purpose The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report.
Product: Bank account or service

I have been affected by eBay not documenting fees and Paypal Credit and Bill me Later Option in not correctly documenting transactions, laundering money, including me int contractual binds and misusing my funds available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify Experian and XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Original debt was from XXXX XXXX XXXX  sold to debt collector paid XX/XX/XXXX. Received receipt that was off collections. In XX/XX/XXXX new debt for XXXX was put on account through Stafford group and associates. Stafford is not Better Business Bureau accredited phone number goes straight to voicemail. Ive called XXXX XXXX XXXX XXXX disputed the debt almost 8 times now spoke with XXXX  and second creditor. Stafford is a scam. XXXX XXXX will not take off.
Product: Consumer Loan

These people are sending me approval papers like this and I know it is a scam
Product: Mortgage

Through our divorce filing an audit of our prior tax returns and personal files, it was discovered that there were several refinances and purchases to gain additional commission and compensation that affect our joint tax returns. These included refinances for his brother and other children. 
On XX/XX/2016, my husband and his loan officer were involved in mortgage fraud by closing a loan for his son that was intended to be an investment property and not owner occupied. There is documented proof that the purchase loan given to his son was intended to gain a lower interest rate by submitting the loan was owner occupied when in fact the family member never intended to live in the subject property and was living out of the country. There are documents which show the property was listed for rent on XXXX XXXX  List 30 days prior to closing the loan and tenants were moved in on the day of closing. I am bringing this to your attention in hopes a full investigation will be conducted with the FBI.
Product: Debt collection

If a consumer notifies a debt collector that the consumer refuses to pay a debt, that debt collector must cease all communication.
Product: Mortgage

My FHA mortgage qualifies for a loan assumption. I applied for a loan assumption through my lender as required per my divorce terms. The divorce terms state, I have six months ( from XX/XX/XXXX ) to assume the loan in my name only, refinance, or sell the home. 

I provided proof that I have made my mortgage payments via my own funds for the last year. The purpose of the assumption is to remove the co-borrower from the loan, who has never made a payment to the mortgage. After submitting all requested documents including : six months of bank statements ( proof of income source ), final divorce decree and supporting documents, and co-borrower 's consent and signatures, the underwriter denied the assumption due to the following : *XXXX XXXX and XX/XX/XXXX payments were not made in the month it was due but neither payment was more than 30 days late ( NOT reported to Credit Reporting Agency XXXX and the late fees were paid by me. 
*a late payment in XX/XX/XXXX -- I disputed the " late payment '' ( after three attempts to make my mortgage payment through the Lender 's mobile APP, Website, and customer service representative ) via the CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX then determined that the late payment was not my fault or theirs. The payment reporting history was amended and updated as " information not available ''. 

My current mortgage APR is at 3.5 % which is significantly lower than the current market rate. Lakeview would benefit significantly if the loan were refinanced or sold at the current XXXX market rate. If I am forced to sell my home and purchase a new home, today 's housing market prices would destroy me financially.
Product: Credit card

Capital One account XXXX became late in XX/XX/XXXX. Seven year removal of this account was in XX/XX/XXXX. Capital One still has a chargeoff on my credit report.
Product: Credit card or prepaid card

I paid my bill in full and tried to use my card and it was declined. I called city card they stated my account was locked had me verify information and unlocked it. XX/XX/XXXX i attempted to use my card again and it was locked i called city back and was transferred to the fraud XXXX XXXX dept. .. after hours on the phone they will not unlock my account. I have begged and pleaded with them. It is XXXX time and im trying to use my card to shop for my children. They refuse to give me any information as to why my account was locked. And the are sending me a letter in the mail that takes 10 business days. I have never been treated this badly by a company in my entire life
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX - XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account : XXXXXXXX XXXX  Account Number : XXXX XXXX It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so, the item must be deleted from the report as soon as possible.
Product: Student loan

I borrowed XXXX dollars from Navient in XX/XX/XXXX, it was a private student loan. It was repaid faithfully for 2 years but never went down, it only grew. I couldn't afford the payment any longer and they were not giving me any relief opportunities. I defaulted, now to this day well over ten years later they are still reporting on my credit report, stating I owe over 10,000 dollars. They go from account closed to account open, they change dates regularly, they have posted that i made a payment when i didn't, all so they can keep it on my credit report. My son was XXXX  in XXXX of XXXX, and I received a notice that I had made a payment on the day we XXXX  him! Their acts are fraudulent! They have tried to sue myself and my co signer, they do not head to the cease and desist. I don't understand why the credit bureaus allow them to keep submitting when they are so old of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  File # XXXX Experian report # XXXX I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
Product: Debt collection

On XXXX XXXX, 2015 I drafted a letter requesting debt validation in writing of XXXX accounts ( Account Numbers : XXXX and XXXX ) Hunter Warfield claims I owe within 30 days via mail. I discovered these accounts were being reported on Equifax, TransUnion, and Experian. This letter was sent certified mail and signed for on XXXX XXXX, 2015 by XXXX XXXX. I have not received any information from this company regarding these accounts. My complaint is one of noncompliance on this company 's part. Also, these accounts are being reported to all three credit bureaus without providing validity of this debt to me. This is harmful to my credit scores. Not to mention, horrible business practices on this company 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each reporting agency for a resolution but was not able to achieve one.

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 and number XXXX XXXX Bank ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), Professional Finance C ( 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 card

I was erroneously charged for items I did not purchase with my Bank of America cash back credit card. I called to file a dispute only to be told by the representative to go to the merchant and ask for a refund. She refused to let me file a credit dispute with them.