23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

old reports on my credit file disputed several times about incorrect information and still shows experian equifax and XXXX still wont comply with any of my request
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I visited XXXX XXXX XXXX in XXXX XXXX XXXX Ca to checkout a used 2018 XXXX in their stock. During negotiation, I Informed them I already had an auto loan approved through my credit union ( XXXX XXXX ) for {$44000.00}. They proceeded to ask me income, social security #, employment details as part of their standard application process and was assured that my credit would not be ran unless I decided to finance internally. I never signed anything and only placed my initials on a form confirming all my information was correct. After discussions with several managers we mentioned several times that I did not want to run my credit since I already have an approval and that I would prefer to look elsewhere. We left and did not proceed with purchasing the XXXX. Within a matter of hours I received emails and Information that my credit file was pulled although I never consented to this. I left messages for the manager and they have not returned my calls. This has negatively impacted my credit worthiness as it appears now that I have attempted to open loans with now both my credit union and XXXX XXXX XXXX. I am disputing this inquiry and would like it to be removed.
Product: Checking or savings account

i have asked them to not call me, email me or not to give any of my personal information to any company for any reason and since my account was closed in XX/XX/XXXX i have received 11 e-mail 6 of which in the last 30 days and 7 calls and 2 of which i took as threatening the other 5 was displeasing they also have some kind of fico account with access to my credit information with out my permission and they still had me enrolled in some sort of solicitation which i never asked to be opted in or enrolled. 
i opened that account with money that i got from my mom. my has passed away all of that pain came back how can they just take advantage of me they have caused Defamation of my character, insulted, degraded, and harassed they keep sending and calling me about home loan i don't wont to sale or get a loan on my house and my info is in the hand of companies like XXXX XXXX XXXX , XXXX and have been updated in the last 30 days
Product: Vehicle loan or lease

I had an auto loan with Ally Financial, but recently traded in the vehicle for a new one, and my dealership paid off loan in full to Ally on XX/XX/XXXX. Yet Ally has not posted the payment to my account, is still charging me interest, is still sending me billing statements, and refuses to even acknowledge that they have received the check. I have proof they received the check. Their employee XXXX signed for it on X/XX/17.
Product: Mortgage

XXXX XX/XX/XXXX I entered the COVID Forbearance relief program on XXXX XX/XX/XXXX for one year. I have since successfully made the XXXX ( XXXX XXXX Trail payments starting on XXXX XX/XX/XXXX to qualify for a loan modification. I have continued to make on time payments every month and on XXXX XX/XX/XXXX will be 8 months of on time payments. 

I have made five request to M & T Supervisors to receive my loan documents to close on a loan modification with M & T Bank. Each time the Supervisors submit an 'escalation ticket ' which amounts to nothing. M & T 's has stated on numerous occasions that I have provided all they need for the loan modification ; however, my loan modification documents is held up with a third party reviewer. 

It is my belief M & T Mortgage is slow rolling my loan modification documents because I have made it clear I am refinancing my loan under the VA XXXX program and M & T does not want to loose my higher monthly payment ( {$4000.00} ). Each month I could have a lower VA Mortgage payment by 1 % point but I am powerless against M & T Bank. 

This written correspondence will serve as my notice to M & T Bank 's tactics to undermine homeowners by holding loans hostage so to profit on higher interest rates. There is no other explanation.
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. 

US DEPT ED : # XXXX DP OF EDUC : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX DPT EDXXXX : # 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: Credit reporting or other personal consumer reports

Applied for checking account and credit card. Denied stating by phone that my account was frozen due to report of fraud. No release of who is holding the reported the fraud alert. Violators fair credit reporting by both the credit union and the party submitting the action.
Product: Debt collection

Service link posed as a company helping us to refinance our home and to avoid foreclosure and we spent appraisal inspections and repairs exceeding XXXX in our home to close. We feel this was done in deceit and to help a debt collector clean up, maintain the house we own so that they can sell our home to pay for a loan of third parties that were not in title at the time they took a heloc and 2 new loans in XXXX, XXXX and XXXX. We also paid XXXX cash to the bank to payoff or at least reduce the house mortgage as per our real estate contract that paid the countrywide loan ( failed bank ) to buy. We have title insurance so the prior sellers, XXXX XXXX and XXXX XXXX are not in title after XXXX and we were told by HUD counselor that those loans do not attach to the house and they maybe collecting against FDCPA and violating the statute of frauds. We complained to the authorities against XXXX XXXX because he emailed us saying that if we do not come into an agreement with him, he will foreclose our personal residence. We were directed by XXXX XXXX to work with XXXX XXXX and his service link to refinance or do loss mitigation but they lied to us. They said " they are tryihg to clear title ''. We did not understand so we talked to an attorney, and he said that the title is in the name of me and my mother and that unless the bank has title insurance, which they should have contact, anyway, the loans are not valid because were obtained by a person who was not in an equity position and the only title insurance we have is the one in XXXX. The bank has not presented any other mortgage policy they obtained as lien holders since XXXX and not even a mortgage statement or dates of discharge of the multiple loans. The customer service gave us a " Printout '' and another later which has a payment one payment after 10 years that " applies to XX/XX/XXXX " which is weird because if you pay a mortgagae it applies to the last missed payment, only lines of credit work that way. 
The service link cheated us and acted as a loss mitigator for refinance and what they are is a group with XXXX and XXXX, aka XXXX XXXX to economically abuse my mom further to lead her to repair the home, do their appraisal and their isnpections and cost mom another XXXX and to me too. Aside from that the bank has moms ' XXXX cash that she paid from XXXX to XXXX that was not applied correctly Looks like the bank is giving money to a person not in title and now they want to collect from someone else that is not a sophisticated person and is XXXX and XXXX  and non represented. 
I believe SErvicelink is their accomplice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to all XXXX credit bureaus for the unrecognized inquiries and inaccurate informations.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX is stating on my credit that Ive applied for them but when I go look for a account with my name there is nothing there when I call them they say it does not show that Ive applied for any loan from them so I dont understand why would it be on my credit.
Product: Debt collection

I received a phone call on my cell phone, asking to speak with my sister-in-law and her husband. I have no outstanding debts. The credit collection agency is attempting to contact the alleged debtors by calling my cell. 

The message I received said, " For ( insert name of my inlaws ). This is XXXX XXXX ( sp? ) calling from Northstar Location Services. I need a return phone right away. Call ( XXXX ) XXXX - XXXX. This message is from a debt collector, attempting to collect a debt. " I have no idea whether my in-laws owe any money ; however, it seems unethical for North Star Location Services to be calling their relatives and telling us that they are in debt. 

My husband received an identical phone call on his cell phone, at the same time. I called my sister-in-law and she informed me that all of her friends and relatives have been calling her, saying they received a similar call today. When she called " XXXX '' at North Star Location Services to figure out what was going on, XXXX screamed at her and called her a " liar. ''
Product: Mortgage

HOME MODIFICATION : NEW PENN Financial New Penn Financial and Shellpoint Mortgage Loan number XXXX -- - I have been battling to save my home since XXXX New Penn is now the owner and Shellpoint services the Mortgage I am  in the SO CALLED MODIFICATION process as I have been four times in the past THE ISSUE is they change the program after I make the Modified payment this time its {$10000.00} for three payments- Shellpoint told me one program and New Penn is telling me another program that is not even close IN ADDITION NEW PENN wants me to SIGN a SIX page no disclosure agreement to tell anyone about the arrangement or ever have a suit with them againI am currently waiting on Appeals court in XXXX Mass . 

I want to know what the REAL MODIFICATION PAYMENTS AND TERMS ARE THEY WILL NOT TELL ME- UNTIL I SIGN THE NO DISCLOSURE AGREEMENT- Foreclousre set for XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I opened an American Express Platinum XXXX card in XXXX of XXXX. This card came with an anual fee of {$550.00} which I paid in XXXX, XXXX. The anual fee covers the benefits until XXXX, XXXX. American Express has decided to cancel this card without notifying me and for no good reason ( no late fees, no bankruptcy, everyday purchases ) and I find myself unable to use the benefits I paid for in XXXX, XXXX that were supposed to be covered for a year. American Express has basically taken my money and closed the door in my face.
Product: Student loan

I transferred to XXXX XXXX XXXX University in XXXX from XXXX XXXX Upon my acceptance, I was awarded scholarships and federal and private student loans. After completion of the program in XXXX, I attended graduation and walked the stage. However, I received an empty diploma holder and inquired about the status of my diploma. The school acknowledged that I completed the requirements to graduate but said they would not issue my diploma until the remaining balance of the private student loan was paid in full. I've inquired several times over the last 10 years, even stating that they were violating my rights and they still didn't provide my diploma. As of XX/XX/XXXX, the school is closing nationwide and I still have not yet received my diploma.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I requested to have my nonpublic transaction history removed from all third party bureaus and they denied my request. I was advised by the manager XXXX that I agreed to have my information reported when I registered for the card. I also advised him that I have the right to opt out at anytime. 

I am now opting out of all authorization, I may have given written, unwritten, verbal, and nonverbal. Per 16 USC 6802, I am requesting that Navy Federal stop reporting my nonpublic transaction history to all third-party affiliates such as XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX effective immediately and indefinitely. I have the right to send my request in writing, per 15 USC 6805 and 15 USC 1681 ; 604 ( a ) ( 2 ) per my written instructions as stated above. However, Navy Federal does not have any of this information listed in their privacy policy to submit this information. Per 15 USC 6802 ( b ) ( 1 ) ( c ), Navy is suppose to explained how to exercise that nondisclosure option. Per their terms and conditions listed on their website, page 10, 16F ; states if I give you permission and per my call, I do not give you permission to share my nonpublic transaction history with anyone effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will attach here proof from my bank account with XXXX XXXX XXXXXXXX to prove that I was never late and/or delinquent with Wells Fargo Auto. Please remove all 11 late payments from the 4 credit bureaus. Or remove this account completely from all 4 credit reporting bureaus.
Product: Student loan

My loans are in forbearance and are not supposed to be accruing interest, but interest has continued to accrue during this time.
Product: Mortgage

On XX/XX/2018 at XXXX I tried to pay my mortgage and was unable to I called and also tried the online payment center the message as I could not make payment the company does not allow consumer to avoid foreclosure process. On Saturday I called and spoke w a rep who told me I have to wait until the process start to make the required payment after the lawyer fees are added I asked to speak with an supervisor no one has called make back yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I I noticed a personal loan that was for {$700.00} was listed on my credit as included in Bankruptcy when that was not the case. In fact the loan was paid in full, and the Credit Union as well as the Credit Agency was notified and given proof of payments showing dates and running log of amount owed with each payment that was supplied to me from the Credit Union. They however only changed the status from included in bankruptcy to Includeded in bankruptcy/never late. This account was not included in my bankruptcy and and was in fact paid in full. I communicated this with the credit union once the loan was paid in full and once the bankruptcy was complete. My attorney advised that the credit union was not supposed to be pulling the payments for the loan if they were including the loan in bankruptcy and if they were then all monies needed to be refunded. Nothing came of this after several emails with the Credit Union.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/2018 Balance {$4200.00}
Product: Debt collection

I am writing to dispute the accuracy of the information Medical Data Systems has reported on my credit file. Upon reviewing my credit report, I discovered that there are two accounts listed that I have no knowledge of. These accounts are significantly damaging my creditworthiness and have caused me considerable mental and emotional stress. I have never conducted any business with your company, and their inclusion on my credit report is not only erroneous but also in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I sent a legal letter to Medical Data Systems, requesting legal debt validation as per my rights under the FCRA. In my letter, I requested specific information, including an explanation of the alleged account balances, detailed calculations of these balances, complete payment histories on these accounts, documentation demonstrating my agreement to pay these debts, and the agreements granting your company the authority to collect on these debts. Additionally, I requested a copy of your state license, including the license number. 

To my disappointment, Medical Data Systems has failed to respond to my request for debt validation within the stipulated time frame, which constitutes a clear violation of the FCRA. This lack of response is not only negligent but also illegal under federal law. It is imperative that your company investigates these accounts promptly and ensures that my credit report accurately reflects my credit history. 

The false reporting of these accounts has caused me significant mental and emotional stress. I have been denied credit and recently faced rejection for a home loan, leading to further distress and financial setbacks. I have taken appropriate steps by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

I demand that Medical Data Systems take immediate action to rectify this situation. I expect your company to comply with the FCRA by promptly conducting a thorough investigation into these matters and correcting the inaccurate information being reported to potential creditors. Additionally, I request that you provide me with a written explanation of the steps you have taken to rectify this situation and ensure that these false accounts are removed from my credit report without delay. 

Failure to address this matter within 30 days of receiving this letter will leave me with no choice but to explore legal avenues available to me under the FCRA. I hope it does not come to that, and we can resolve this matter amicably and promptly. 

Please respond in writing to the address provided above to confirm that you have received this dispute letter and are initiating the necessary investigation into these matters. Your immediate attention to this issue is expected and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint in regard to the following, account XXXX XXXX. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.
Product: Credit reporting or other personal consumer reports

This company continues to report false information regarding the status of my credit line with them. My payments with them are due on the XXXX of every month for a total of {$340.00}. 

The XXXX payment due on XX/XX/XXXX was made on XX/XX/XXXX. Yet not only was it reported XXXX  days late with XXXX business days left in the cycle, but they also then added the next month 's payment to it and reported the total due for XXXX as {$770.00}. How can you make next months payment due before the current month has even passed? 

Payments made in XXXX : {$380.00} - {$36.00} more than the payment due {$31.00} as a payment to cover late fees, which if I am correct arent even supposed to be reported. 

XX/XX/XXXX payment was made on XX/XX/XXXX for {$340.00} again before the end of the XXXX reportable period and for more than the balance due. 

At this point, it seems the only thing this company will understand is punitive damages as they appear to have no fear of action by the Consumer Financial Protection Bureau ''. 

This relates to previous reports filed with your agency XXXX XXXX XXXX XXXX- Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX  account # XXXX XXXXXXXX, XXXX, XXXX, and XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 

15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. 

If you have any questions I can be reached at XXXX XXXX XXXX