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

In accordance with the Fair Credit Reporting Act list of accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number - XXXXXXXX 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  All Accounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/XXXX I was introduced to a friends family member about a business deal involving a property purchase and flipping the property into a XXXX. The scam XXXX involved persuaded me to use my good credit to get the loan and that she would take care of the monthly payments and fixing the property. After I got the approval i realized that she had me sign over the deed to her father and that her friend was the owner of the property before me and he banked away XXXX. I have not heard from anyone sense that time, the property went into foreclosure my credit was destroyed and I waited years to get this off my credit history. Fast forward to XX/XX/XXXX, I 've now become a married XXXX year old XXXX, with a child on the way and trying to now build a home with my wife family. It has come to my attention that the property tried to be sold twice by short-sale activating the account as well as XXXX sheriff sales that strangely where stopped making all the time i waiting for the property to foreclose having to start over and now I can not be on the mortgage and very possible we can not get our dream home. I was scammed and I understand now that i should never have signed the papers back as a XXXX year old, but I do not deserve to this, my credit is well now, but this is still haunting me to this day. I do not know where else to turn.
Product: Debt collection

After review of my credit reports I noticed a debt that I know nothing about, I contacted United Collection BURE to get verification and they never sent me verification with my legal name etc that verifies this fraudulent account belongs to me!
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ), XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX FOR {$860.00}, XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX for {$180.00}, XXXX XXXX  on XXXX XXXX under the account number XXXX for {$3500.00} XXXX XXXX on XXXX XXXX XXXX, XXXX under the account number XXXX for {$520.00}, XXXX on XXXX. XXXX, XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX for {$35000.00}, and collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX with a balance of {$850.00}, XXXX XXXX XXXX on XX/XX/XXXX for {$570.00} account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX account number XXXX for {$650.00}, XXXX XXXX XXXX on XX/XX/XXXX under account XXXX for {$1600.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$2800.00}, XXXX XXXX on XX/XX/XXXX XXXX for {$1300.00}, XXXX XXXX XXXX on XX/XX/XXXX XXXX for {$600.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections, and appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Diversified Adjustment Service is the company that put a collections on my credit report. They are the collection company for XXXX. I do not owe XXXX anything. I can not put a complaint in with CFPB because XXXX is not in your system. The complaints go directly to FTC it is a game and a rip off. XXXX should not be able to put something on your credit that is not owed to them. This is a lie this is fraud this is destroying my credit
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On or around the XXXX of XXXX I purchased two XXXX XXXX XXXX from the XXXX  for seats in the new stadium. I was informed after making a 20 % down payment that my monthly payments would be directly debited from my account. I have had seasons tickets with the XXXX  for over 20 years. The XXXX licenses cost {$10000.00} each. 
I gave them my credit card and they had me sign a Loan Agreement with M & T Bank for the balance of the funds. 
I next received a call from M & T 's customer service department looking for the details of my account again, after I supplied them on the purchase contract. I provided the necessary information and thought I had done everything I needed to do, subsequently I received a collection call from M & T indicating I was in arrears, I once again provided my bank account details and once again thought this was finished, since that time I have received numerous collection calls, one a week and during this journey received the answer for the calls was because M & T could not access my bank account. I am a XXXX resident, but gave them a USD account at my XXXX XXXX  ( XXXX ) consistently. M & T 's inability to direct debit became my problem, so in discussions with M & T collection personnel I forwarded four checks in payment of my loan whilst they figured out what they have to do to rectify the problem on their end. Needless to say the calls kept coming after I posted the checks, we did have a Postal Disruption in XXXX, these calls are flat out harassment, what can I do to insure M & T makes a direct debit. I have discussed alternatives, but M & T will not cover the wire costs if I wire or use XXXX XXXX, note the payments are {$210.00} a month, a wire costs {$45.00}. 
I am looking for M & T to figure out a way to direct debit and live up to the terms of the original contract. Why was I assured by both The Bills and M & T that this was an acceptable means of repaying my loan at time of origination and subsequently?
Product: Credit reporting

All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Account charged off. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Account charged off. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed.
Product: Vehicle loan or lease

I currently have a lease with Chrysler Capital. I decided to pay off the loan early and received payoff amount and sent the check in. It cleared the bank on XX/XX/2020. My automated payment also came out on that date for {$360.00}. I then received notice that I had a {$0.00} payment amount. They continued to take my auto payment out for XXXX and XXXX each for {$360.00}. They now have 3 payment owed to me. I placed a stop payment on my bank account for future payments. I contacted them and they agreed that they owed me the 3 payments totaling {$1100.00}. I then received a debit card refund for one payment with a balance of {$360.00}. I called them a second time and they agreed that they still owed me 2 payments and would put in for the refund. I received nothing. I then contacted them weeks later and the employee said he did not see overpayment and I would need to send bank statements and payment information. I copied all statements involved and faxed them to Chrysler. I have heard nothing since.
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 FairCredit 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
Product: Mortgage

My mortgage company ( Flagstar Bank XXXX has continually treated me with disrespect and made decisions without my consent or knowledge. 

They purchased my mortgage and began servicing it in XXXX, but they did not reach out to me or my property manager. My old lender forwarded payments for three months but ceased doing so then, and I got calls about an overdue payment on my home to a bank that I had never heard of. My credit was affected. 

Last year ( XXXX ) they claimed I was late on my taxes, however my county shuts down their online payment system for several months. My check sat in the mail room during this time, as the office was closed due to COVID. Official records listed my payment as late, even though it was in the mail room the whole time. 

They instigated an escrow account to pay my taxes, and once they did ( and the online payment option with my county was restored ) I immediately paid the full balance and instructed the county to return the check to me. However, Flagstar refused to remove the escrow account, stating that because I was late on my taxes ( i wasn't! ) they had to collect it according to the terms of my mortgage. Since I paid online as soon as I realized the check had not been cashed, my payment data was listed several months later, despite the fat that I had paid well within the allotted timeframe, my check just hadn't been cashed. 

They began charging additional money to cover escrow balance- but they still continued with automatic payments for the mortgage payments alone, on top of the payments I was making for the new balance! I discovered this months later, and had to fight with them every step of the way to get my money returned to me. They kept applying it to the principal, which I did not consent to. And several times I was told that overpayments would be applied to my monthly payments, but that turned out to be a lie as well, and I had to start the whole process over again a second time. 

Finally, the escrow amount calculated was nearly three times what it should have been. I pointed out the error earlier this month and I had to wait two weeks for a clarification, and they made a mistake in calculating my monthly amount due. I demanded my money returned to me. 

Today I got a call saying that money money would be returned, but not the correct amount, about {$1300.00} dollars short. I asked why the discrepancy and I was todl that it was a " cushion ''. They have taken money from me again for a use I have not consented to, yet again! 

I am filing paperwork with them to stop my escrow account but I do not imagine they will agree to do so. At every turn I've been told that no exceptions can be made because " that's how the system works ''. When filing complaints I get calls from people not in those departments who do not have the information I need or the authority to fix anything. Half the time they are rude and blame me for the problems their mistakes cause. 

They have proven themselves to be unsuited for the task of servicing my mortgage.
Product: Mortgage

Our mortgage is serviced by XXXX XXXX XXXX , XXXX, also known as Loancare. 

Loancare states they sent notice via mail that our escrow payments were to increase beginning inXX/XX/2019. We did not receive this notice, nor did Loancare contact me ( they may have tried to contact my wife, but I have repeatedly advised Loancare I am the primary point of contact for this account ). 

We sent our XX/XX/2019 payment in on time. However, this payment did not include the {$63.00} increase in our monthly escrow payment. We received a rather confusing notice form Loancare, where there was a claim our payment was late, but it also appeared it had been credited. 

Later in XXXX, I received notice from a credit monitoring agency that Loancare was reporting our payment as late. This is incorrect. I reached out to Loancare after receiving this notice, first by phone, then by email after being informed my wait time on hold would be more than an hour. 

I eventually called again, and spoke to a representative, who informed that, because of the difference of {$63.00}, my payment was being reported as late, and a late fee of {$100.00} was being assessed. A late fee more than 60 percent higher than the amount in dispute is, frankly, absurd on its face. I immediately paid the {$63.00} shortage, and disputed the late fee. I also arranged for a supplemental payment of {$63.00} for my XXXX bill to go out, and arranged for future mortgage payments to include the additional {$63.00} payment. 

Today, I received a terse email from Loancare stating they would not eliminate the late fee because it had previously waived a fee. 

Now, not only do I have a late fee, this has been reported to credit bureaus as a late payment, which has caused my credit rating to drop more than 70 points.
Product: Mortgage

Company involved is Nationstar DBA Mr. Cooper and the nature of my complaint is I am being double-billed in transfer between mortgage servicers. 
On XX/XX/XXXX I made the last payment ( due XX/XX/XXXX ) to the prior servicer XX/XX/XXXX On XX/XX/XXXX I received notice from XX/XX/XXXXthat the loan was scheduled for transfer to Mr. Cooper, effective XX/XX/XXXX. 
On XX/XX/XXXX I received a notice from Mr. Cooper welcoming me to their servicing of my loan. 
On XX/XX/XXXX I received an incorrect notice from Mr. Cooper that a payment was due to them XX/XX/XXXX - note that this is PRIOR to the effective transfer date and redundant with payment already made XXXX XXXXXXXX XXXX. 

I made a manual payment to Mr. Cooper XX/XX/XXXX, for the actual payment that was due XX/XX/XXXX, out of concern that the autopayment process would not be set up in time for the XX/XX/XXXX due day as I had been recently transferred. 

On XX/XX/XXXX an autopayment to Mr. Cooper did occur. I consequently later called to reverse one of the two duplicate payments, XX/XX/XXXX and XX/XX/XXXX, which were both for the payment due XX/XX/XXXX. 

Since this reversal Mr. Cooper believes I am one month behind on my payments despite consistent payment at the beginning of every month ever since. 

The source of this problem is the erroneous double-billing for the payment due XX/XX/XXXX, which was DUE PRIOR TO MY TRANSFER and which had ALREADY BEEN PAID TO THE PRIOR SERVICER I had a 2 hour phone conversation on XX/XX/XXXX during which a representative repeatedly failed to acknowledge my concerns and merely repeated Mr. Cooper 's erroneous information. I was told a manager would look into this and I would hear back. I did not ever hear a response. 

XXXX weeks later I submitted a written complaint to the company. They again stated they would look into the complaint and I would receive a response in 7 business days. They eventually did respond merely with a reiteration that their information was correct- without actually providing any information to contradict any of my claims- and that my loan payment made XX/XX/XXXX had been applied to the payment which had been due XX/XX/XXXX ( which retains a 1 month inaccuracy which has persisted ever since my original transfer ).
Product: Credit reporting or other personal consumer reports

: Formal Dispute of Inaccurate Credit Information - Account # XXXX Request for Immediate Deletion** Dear TransUnion, XXXX, and XXXX, XXXX recently checked my credit report, I am writing to formally dispute the inaccuracies in the reporting of account # XXXX on my credit file. After reviewing the information provided by your bureaus, I have identified significant errors and inconsistencies that are in violation of my rights under the **Fair Credit Reporting Act ( FCRA ) **, **Truth in Lending Act ( TILA ) **, and **Fair Debt Collection Practices Act ( FDCPA ) **. I demand the immediate deletion of this account from my credit reports in accordance of 15 USC 1666 ( b ), for the following reasons : I have attached supporting documentation.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number : XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX  ) account number XXXX XXXX XXXX  ( original creditor XXXX XXXX  XXXX in company XXXX account number XXXX XXXX XXXX ( original creditor XXXX XXXX XXXXXXXX XXXX company account number XXXX XXXX XXXX  account number XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) account number XXXX Account number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
has violated my rights. 

XXXX # XXXX XXXX # : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. A ) Reporting information with actual knowledge of errors 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.

There is a need to insure that consumer reporting agencies exercise their Grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

On XX/XX/20, I made 8 charges of {$1300.00} to XXXX. They agreed to pay for a hotel reservation on our behalf. On XX/XX/20 we received an email from XXXX saying they have cancelled our reservation. They attached a statement showing a refund for the full amount but we were never given a refund. We have filed disputes for all 8 charges. They have come back and rejected one of the charges, and we havent heard back about the other 7 charges. All 8 charges total XXXX. Please let me know if you can help!