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

We have a mortgage with XXXXXXXX XXXX through XXXXXXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX  will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX the check was later found in a lock box that XXXXXXXX XXXX failed to check their own mail for 30 days. We feel XXXXXXXX XXXX has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXXXXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXXXXXX XXXX that were were being reported to a credit agency.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the bureaus for failing to comply with 15 USC 1681i ( investigation of disputed information ), 15 USC 1681e ( b ) ( accuracy of information ), and other related provisions of the Fair Credit Reporting Act. Despite sending multiple letters requesting investigation and correction of inaccuracies on my credit report, they have not complied with my requests. 

Additionally, I recently learned that the CFPB has filed a lawsuit against XXXX and Equifax for similar actions, citing their failure to properly investigate credit report disputes and their failure to remove or correct errors. I believe this is directly applicable to my case, as I have experienced similar issues, including inaccuracies that remain uncorrected despite my efforts. on multiple accounts these accounts appear on my report multiple times. 

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: Debt collection

Since XX/XX/2019 Medical Data Systems has attempted to collect a debt of {$19000.00}. I have sent them validation letters and they have not responded back to me with appropriate information. This medical debt collection company has mishandled my credit reporting disputes and has prevented me from exercising important debt collection rights. These practices has highly affected the credit scores
Product: Credit reporting, credit repair services, or other personal consumer reports

Chysler Capital is reporting incorrect information they have stated I have a 30 day late payment, my payment has never been late. I asked for a deferment which they sent me by email the agreement to sign which I did the same day and it was their error per a manager I spoke to on the phone.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing this because I, XXXX XXXX XXXX, Consumer, did not give AllianceOne Receivables Management , Inc., its executives, XXXX XXXX XXXX XXXX XXXX, or its executives written instructions or consent to communicate with XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This information is true and correct to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel violated, disappointed, and discriminated against by all three credit bureaus, which consist of XXXX companies who are Experian, XXXX, and XXXX. 

EXPERIAN has violated my rights as a US Citizen in the united states based on my name being of XXXX origin. I have tried numerous times to write letters, call, and email, and I even hired a highly effective credit company called XXXX XXXX. 


However, the credit XXXX  manager by the name of XXXX, has verbally told me he could not understand why Experian, out of the three bureaus, continues to report negative and derogatory items on my credit report, false report rates, incorrect XXXX discharge date, and will not help in any way. I was paying XXXX XXXX For four years, and my score was XXXX when I started to pay them {$89.00} a month! 

It has been four years, and Experian has my score at XXXX through the MY FICO app in the home mortgage section, which I pay {$30.00} a month, and I am trying to raise my score to buy a house with my wife and me this summer. 

I have had challenges with all three bureaus since I was XXXX. I feel they have looked down on me from the day I tried to get new credit back in 1995, and it has been very challenging to make any progress. 

However, I pull credit daily for the past twenty-five years and see the results others have. And I have realized that my score is not based on my paying on time, how many open accounts I have, or how long but only based on my nationality. 

Now that I hired a credit company called XXXX XXXX, they are sending me letters on how they can help me and not pay other companies to help me as they are here for me. That is absurd and an absolute lie. They do not hear from anyone, and they could care less. 

I know this complaint will not make a difference right now, how ever, I am hoping it helps the future generations such as my kids who I am hoping will not have to XXXX with these bureaus as I hope they eventually get held accountable for the way they destroy the lives of others by not giving them the same opportunity to those who need help at the time of applying for credit. 

The way the credit bureaus are set up, if you do not need credit, they will hassle you asking over and over to get a new credit card, new loan, new car and more. 

But the moment you need it as you are in a situation whether it be short or long term, they make you feel as if you have poor credit!! 

This needs to stop! Please help me with this matter as the entire credit system is not accurate. I have been paying for almost 10 year with no lates, multiple credit cards that are always paid on time, yet they say my credit is poor!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I noticed my Venno account was frozen and contacted the company to inquire as to why this was the case, as the account balance was positive. For several week and despite numerous requests, I got no answer from Venno. Just recently I was told that it was due to receipt of a transfer from XXXX XXXX that I did not initiate and Venmo refunded, all without my input of knowledge. More likely would be the fact that I received a significant payment from the IRS or a customer as both have the account details and Venmo wanted to hold the money ( rather take ) without my knowledge, under the guise of suspected fraud, which It certainly is not and is readily verifiable,
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 XXXX, Equifax and XXXX corporations are reporting inaccurate and unverified information on their public database without my expressed written consent. On XX/XX/2023 a dispute letter was received by each company however none of the derogatory reports have been deleted or removed. Since I have the right to have access to extension of credit, I am submitting a complaint against the above-listed companies for the harm incurred.
Product: Credit card

American Express charged my card for {$360.00} on XX/XX/XXXX, claiming that this fee is for reversal of a previous credit. However until now, American Express only provides reason for {$200.00} in {$360.00}. It fails to provide a reason for the remaining charges.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or recorded fraudulently in my name as a result of the breach. 
Please see the affected accounts and inquiries below : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XXXX, Balance : {$420.00} XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX, Balance : {$460.00} XXXX XXXX XXXX  Account Number : XXXX, Opened : XXXX, Balance : {$400.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Formal Dispute of Closed/Charge Off Accounts and Request for Correction Credit Reporting Agengy I trust this correspondence finds you well. I am writing to formally dispute the inclusion of certain closed/charge off accounts on my credit reports with each of the three major credit reporting agencies : Equifax, XXXX, and XXXX. 

Upon a meticulous review of my credit reports, I have identified closed/charge off accounts from the following institutions : XXXX XXXX XXXX XXXX XXXX {$3600.00} ) XXXX  XXXX ( {$1200.00} ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX  ( {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX {$46000.00} XXXX It is important to note that closed/charge off accounts are considered certificates of indebtedness and their associated income. According to established consumer protection statutes, particularly 15 U.S. Code 6802 and 12 CFR 1016.7, income derived from these closed/charge off accounts can not be reported on credit reports.

Furthermore, Title 5 U.S. Code 552a, commonly known as the Privacy Act, reinforces the protection of individuals ' personal information held by federal agencies. An " agency '' in this context refers to any executive department, military department, government corporation, government-controlled corporation, or other establishment in the executive branch of the federal government. This includes the right to ensure the accuracy, relevance, and completeness of records held by these agencies, particularly as they pertain to credit reporting. The Privacy Act underscores the importance of maintaining precise and fair information, giving individuals the authority to dispute and rectify any inaccuracies in their records.

Additionally, according to 5 U.S. Code 552a ( b ), Conditions of Disclosure, no agency shall disclose any record contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be Enclosed with this letter are supporting documents relevant to the aforementioned closed/charge off accounts, including my Federal Trade Commission ( FTC ) report. I appreciate your prompt attention to this matter and kindly request that you conduct a thorough investigation, ensuring compliance with the Privacy Act and other applicable regulations, and notify me of the results in writing please remove. 



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

The company agreed to update the past due history due to an agent error. They have given me a full credit towards the balance but failed to update the reporting. The reporting should be updated because the credit that was given was due to their own error and I should not have been reported late for XXXX and XX/XX/2019.
Product: Payday loan, title loan, or personal loan

Issue : Mercedes Benz Financial Services Title Release Dispute on XXXX yr. old XXXX XXXX  XXXX XXXX I am writing to request your assistance, and confirm my FCRA Rights, in re. to a now " XXXX '' campaign to secure a " Title/Lien Release '' for my " XXXX XXXX XXXX XXXX. 

XXXX had previously agreed to the release, accepted a {$20.00} release fee, and abruptly reversed the release based on an alledged " {$7000.00} '' refin balance from XXXX that I have consistently disputed, and XXXX has repeatedly " declined '' an " audit '' to allow cross reference of " cash payments, '' many made via a " 3rd Party Collection '' entities, XXXX. XXXX XXXX, and a now defunct XXXX XXXX and XXXX XXXX Bank XXXX XXXX many payments still yet unconfirmed. 

" XXXX has " acknowledged in writing that they have no interest in pursuing collection, '' yet, refuse to release the Title This matter is urgent in that the vehicle, can't be registered/tagged and has accumulated over {$2400.00} in DMV Parking tickets for expired registration/damage vehicle, and must be moved post-haste and sold as salvage. The current estimated value is now {$250.00} of which I have offered to pay XXXX for the Title Release. 

The vehicle was a " lemon, '' that over time amassed a staggering {$30000.00} in repair costs! There are other and more egregrious issues as well with XXXX that triggered costly and long-term damages : 1. FCRA Violation : MBFS : Action or Failure to Report " Original Loan '' of {$37000.00} to Credit Bureaus causing irreparable credit issues over a 10+ yr period. ALL PAYMENTS WERE ON TIME, BUT MOST WERE UNREPORTED forcing a much-damaged credit score, credit declines and XXXX. XXXX admitted the error, and only corrected it in XXXX- too late to remedy the reputational damage. 

2. FCRA Violation : Refinanced Balance : XXXX has " refused an audit '' for the past " 11 yrs. '' to confirm payments made in cash via XXXX XXXX and other XXXX party entities to resolve an alleged balance of {$7000.00}. They also " declined '' settlement thus balooning the balance despite repeated written and verbal attempts at resolution! 

XXXX. FCRA Violation : RE-AGED The Acct : XXXX repeatedly r '' e-aged '' the refinance amount beyond the allowable statute of limitations causing repeated and major damage to my credit worthiness! 

Your office is my last option for guidance! I welcome your immediate reply!! 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXX and list of Inquiries 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: Checking or savings account

There is fraud in my Bank of America account. Two accounts on two separate instances were opened by someone that isnt me. BofA closed the accounts but will not do anything to prevent this. The only reason I noticed was because either a ) I noticed a strange account in my banking app or b ) I got a weird email about a new account being opened. 

Ive asked for them to not allow any accounts to be opened by me and no accounts to be opened by me unless in person. They wont do either. Im concerned they arent doing enough to protect my identity Heres the chain of events so far : XX/XX/23 : Noticed additional checking account in BofA ending in XXXX XX/XX/23 : Contacted BofA XXXX they had indicated that the account was opened fraudulently with my SSN. They closed the account and created a report : XXXX XX/XX/23 : Froze credit with all three bureaus as well as XXXX XX/XX/23 : Filed a police report with XXXX XXXX XXXXXXXX XX/XX/23 : Received an email from BofA indicating new account had been opened. Called and they said that no additional accounts existed XX/XX/23 : Noticed a new account had been opened in my banking app. Called again. They closed the account and created a new report : XXXX. I emailed the officer on the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX 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
Product: Debt or credit management

On my credit karma it is showing XXXX $ open balances I need more info how I have this much in open balances?
Product: Debt collection

I have tried many time to resolve this problem with Select Portfolio Servicing. First off I can not seem to figure out if they are a collection agency or a Lender. They seem to pose as both. My issues with them date back almost XXXX or XXXX yrs, with faulty accounting and excessive fees. 

Recently I was offered a plan to catch up on my payments. I feel way behind while trying to work out a modification plan with them. They delayed this process extensively causing me to get to a point that I fell behind and could not catch up with the payments. The plan consists of 12 monthly payments of over XXXX with a balloon payment at the end of over XXXX. 

My question to them has been as always what exactly is the money going towards. With the monthly payments I need to know what is going towards principle, what is going towards fees and other excessive charges they have tacked onto my mortgage. 

They say the principle for the loan is {>= $1,000,000} yet on my lat statement they showed me owing {$270000.00}. Much of this excessive fees for things I do n't even know about and am not sure I should be paying. I need to know what is what so I know I am actually paying this down and not being taken for a ride. I 'm in deep enough and need to pay this off correctly. 

I request a full breakdown of all fees, changes for foreclosure processing fees and lawyer fees and whatever else was involved in the many time that have tried foreclosing on me for the wrong reasons. I need to know every financial aspect of this account and have a detailed accounting of everything. 

I have also many times requested a Principle Reduction from Select Portfolio. I feel I am the perfect candidate at this point for such a program. Yet they continuously deny my request even though they were given funding for such programs.
Product: Credit reporting or other personal consumer reports

I WAS XXXX  AT THE TIME OF THE IDENTITY THEFT IN THE XXXX XXXX. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A XXXX  LOAN. 

XXXX XXXX XXXXXXXX XXXX ACCOUNT : XXXX AMOUNT {$500.00} XXXX XXXX XXXX XXXX ACCT # XXXX AMOUNT {$500.00} ALLY FINANCIAL ACCOUNT # XXXX AMOUNT # XXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX AMOUNT {$920.00} XXXX  ( XXXX XXXX XXXX ) ACCT # XXXX AMOUNT {$580.00} XXXXXXXX XXXX XXXX  XXXX ACCT # XXXX AMOUNT {$60.00}
Product: Debt collection

I have sent numerous certified letters requesting debt verification and validation. This is not my account. I called Transworld and they reported that last transaction was in 2012. I requested a copy of signatures on receipts. I have received threats from agents of transworld Systems Inc that I had a warrant for my arrest if I dont pay them. I receive calls from XXXX to XXXX XXXX .. Im currently seeing a XXXX due to transworld Systems harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

COASTAL FIN CO INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX xxxxxx XXXX OVER_120_DAYS_PAST_DUE Owner INDIVIDUAL Account Type Installment 15 months TRANSFER_OR_SOLDbalance {$0.00} High Credit {$11000.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX COASTAL FIN CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX CONSUMER DISPUTES REINVESTIGATION IN PROGRESS xxxxxxx XXXX CHARGE_OFF Individual Installment 56 months Balance {$7300.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX CHARGED OFF ACCOUNT I do not own either one of these accounts with coastal. Same account number different loan type and amount. Same dates? I know a woman by the name XXXX whom had a personal vendetta with myself was indeed fired over this particular situation however this bank is still reporting on my credit derogatory two different times still monthly and I have disputed it redundantly and I have contacted the bank personally. They refuse to do the right thing. 
Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, SHEFFIELD FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, XXXX XXXX, I add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX - XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.