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

Fortiva, closed my credit card account three days after setting up a payment arrangement the closed account hit my account and lowered it by over 100 points on XX/XX/XXXX on XX/XX/XXXX the change started I attached the closed account reporting and when it was closed and the recently updated open account. If this account hits my credit again as closed it will surely lower it again this is unethical due to the nature of tactical measures to obtain Furnishing and Reporting Inaccurate Information knowing the account is closed showing as current when it rectified will decrease my score yet again I called and they verified the account was closed however still showing current XX/XX/XXXX was updated as open. 

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA,
Product: Vehicle loan or lease

This complaint is with NC State Employee Credit Union. Around 2013 I was bit by a spider and suffered a XXXX. Before this, I was never late on payments because my vehicle was auto-drafted out of my account at the end of every month which is when I was paid. When my mother who was my aide at the time due to my XXXX called the bank to try to activate the insurance I had to the bank in case of loss of job and XXXX. And the bank never activated that. They were rude at the time. I could not walk or see let alone drive My mother explained that. I was not given a payment plan or anything to catch up with. I was in financial hardship due to piling medical bills and the medicines and therapies I had to take. At that time I did not know my vehicle was getting repossessed as i never got a letter or call or anything about it. The vehicle was taken at XXXX XXXX in morning. I did not know that I had a balance left on the vehicle until I got a judgement placed on my credit report. for {$7200.00}. I have never heard of anyone being taken to court on an auto loan and not being informed of when it was to occur. They got the vehicle back. I don't feel that it was fair to have a judgement put against me. I have knowledge of other people getting repossessed by the bank and this not happen to them.
Product: Consumer Loan

I had a XXXX from Drive Time that turned out to be a lemon. They agreed to take it back and I could get another car. I got a XXXX which is now a mess also. The car has a short somewhere as it keeps locking its self and now the alarm keeps going off and I tried to undue the battery and kept it off for a while and when I put it back on alarm goes off again and I ca n't get in my truck cause it thinks the car is being broke into with the alarm going off. I was driving down the road one day when my lights started flickering and the alarm was going off while I was driving it. I was told XXXX was made better now and that they did n't have very many problems and now this which is now a second lemon plus the trunk pop up twice while I was driving it due to some damage back there that I did not see when purchased. They are selling cars that can cause wreaks or kill someone. I only had this car for 6 months.
Product: Credit reporting or other personal consumer reports

I'm writing to report several unauthorized credit inquiries listed on my XXXX credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, regarding permissible purposes for obtaining consumer reports.

Here are the unauthorized inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. Chase - XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chase ( second instance ) - XX/XX/year> None of these inquiries were approved by me, nor did I initiate any actions that would legally justify accessing my credit report per the FCRAs stipulations on permissible purposes.
Product: Mortgage

l fell behind on the payments due to the COVID lockdowns in my state. I contacted Selene Finance the loan servicer and asked for help they sent me a packet to fill out. While this was happening I received a letter informing me of a transfer or mortgage assignment to, XXXX XXXX XXXX XXXX XXXX as owner trustee for XXXX XXXX XXXX XXXX. 

Then I returned the paperwork packet completed in XX/XX/2021 and the end of XXXX received a letter stating I was approved for a deferral program, But I had to accept it by XX/XX/XXXX. I created a letter accepting this deferral program and faxed it mailed it and emailed it. Then on XX/XX/XXXX I called and accepted it verbally. I was told I would receive paperwork in a couple of weeks to sign and with direction to make the first payment. I never saw the packet. In XXXX I started calling asking where it was. But they wouldn't answer my calls. I used the number on file. So on XX/XX/XXXX I used another number They answered and told me the initiated the paperwork on XX/XX/XXXX. But explained the person on the XX/XX/XXXX call was suppose to take a payment and failed to. note the letter never said that. She said she needed permission from a supervisor to complete it and would call me Thursday evening or Friday. Never received a call, I called today again using a different number and talked to a second lady, she agreed I should have received a call but will try to handle it now. Then she said on XX/XX/XXXX they placed it into foreclosure and she couldn't do anything, This call was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In trying to refinance my home, Amerisave has behaved in a misleading fraudulent and unethical manner In months of providing documentation and answering questions and jumping through many loops this company lost documentation, passed me along to multiple representatives who only repeatedly asked for the same information over and over. I tried escalating the issue in which it appears they retaliated by dragging the refinance process along as long as they could, never actually finishing the loan process. Also they agreed to refund my money for the application fees but the funds were never received. 

XXXX XXXX lied about the refund XXXX XXXX repeatedly lost information and asked for the same information be sent in numerous times, essentially stalling out the process XXXX XXXX pulled my credit report the day they stopped my application, Amerisave should have this credit inquiry removed from credit report under fraudulent circumstances XXXX XXXX claimed to be an XXXX XXXX XXXX who picked up the file in order to get it closed, made many promises and never followed through with anything. 

This company sends an automated list in an email of required documents but the Amerisave team isnt even familiar with what is required or who provides it
Product: Debt collection

Commenity Bank called on a number that was not identifiable, shown on my phone as " no caller ID '' when I picked up the first and second time they hung up after I said hello. Then they repeatedly called me from the number that was not identifiable. When I did pick up later that evening and ask the representative about the calls she was rude and dismissive and said they were allowed to call me multiple times a day. I had just paid this company XXXX days ago, and told the rep when I made that payment that I would call be after the payment cleared to set up more arrangements. The payment cleared my bank this morning!
Product: Debt collection

For yrs prior to XXXX before Midland credit management sued me in XXXX, Wi I was a consumer violated by numerous debt collection practices. They called at wrong times numerous times of day, called exes or family members about my orig debt to XXXX XXXX and XXXX XXXX  When they served me court papers they didn't properly attach legal documents with their original complaint proving they bought or owned my debt or prove what the accurate amount of real debt even was. I tried to file an answer and motion to dismiss without prejudice stating my numerous reasons why. The judge didn't bother to hear my valid statements or make this company prove the debt was theirs to collect on or to prove if the amount they tried to collect was even the real amount. I was hit with two cases of judgments even though there are almost every state in the US that has shown numerous Class action suits against this shady debt collector company for all the same type of violations that happened to me. They have affected my credit score and keep changing the amount of debts owed each month on all 3 credit reporting agencies making the amount continue to increase sometimes twice in one month based on my credit karma report. I know this company has hurt thousands if not millions of other consumers for unfair often illegal debt collection practices and unfair lawsuits where they win judgments and we don't have proper judges protecting us consumers properly in court when the consumer has valid statements and requests. I believe the court in XXXX violated my rights not adhering to laws.to force this company to prove their burden of this supposed debts against me and the company Midland also violated numerous rights of mine by now damaging my credit with 2 seperate cases. I know Attorney general XXXX XXXX a few years ago won a XXXX XXXX dollar class action suit against Midland with XXXX other states for their shady practices against consumers and need some help on this. At the very least I am writing in hopes I can get these debts removed entirely off my credit agencies for good due to them not proving they even owned and bought my old accounts from XXXX XXXX or XXXX XXXXXXXX
Product: Vehicle loan or lease

I purchased a vehicle from XXXX and at the point of purchase, I was asked to set up auto pay which I did. Fast forward 2 months and my first payment was due on XX/XX/XXXX. I received communication from Ally Auto stating " Thank you for scheduling your payment for XX/XX/XXXX '' I assumed that because I received that email, I am good to go and my first payment will be deducted from my account. 

Two weeks go by and I did not see a withdrawal from Ally Auto. I logged into their online portal and noticed the past due amount. I immediately made a payment for the month of XXXX and XXXX. I made that payment on XX/XX/XXXX. I assumed that will take care of the balance. The very next day, Ally threw in a {$21.00} late fee on the account. Even after their gross miscommunication regarding the auto pay, I made a payment at the XXXX day deadline required by them to avoid a late fee. I have been unjustly charged by Ally Auto and demand a refund for that late fee. 

I tried calling Ally and their first rep hung up because she could not hear me. I called back again. After 20 mins and transferred to their " supervisor '' I was hung up for the 2nd time. I explained in detail with professionalism that I should not have been charged this late fee. When I pointed out that I was still within the 15 day window, she hung up.

I tried calling back and it was a busy tone. I was unable to get passed automated system.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint us not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services or money ; and was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and under 15 U.S. Code 1681b Permissible Purposes of consumer reports I never gave any written consent to report anything on my consumer report. No consent is FAUD. 



XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still items that should be remove. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I had to take the law firm of XXXX XXXX XXXX ( debt collectors ) to court earlier this year and the court ruled in my favor. However, there was a period of years that interest rates soared and I was paying this debt off every time I got paid and have the receipts to prove that I did pay, $ XXXX/month. The last payment was late due to my diagnosis of XXXX XXXX. All through my surgery and treatment I was getting letters and threats of garnishments from XXXX XXXX XXXX. The original credit card was from Capital One Bank. Because the last payment was late, XXXX XXXX XXXX was adding interest onto the debt as well as, claiming they could now charge me not only the original amount of the card but with added interest! When I finally did make the last {$75.00} payment, in good faith I paid a double payment of {$150.00} and yet XXXX XXXX XXXX persisted in harassing me for the original amount with a huge amount of interest attached to it. 

When we went to court, we settled and it was decided that I did not owe the law firm/bank any money. My question, however, is this : for all those years of harassment and mental anguish by continually attempting to get even more money out of me unconscionably so during a diagnosis of XXXX XXXX and subsequent treatments ( as well as spousal abuse, divorce, a move and my father dying - all this in 2009 ), was XXXX XXXX XXXX 's practice of charging additional interest rates legal as well as the harassment and mental anguish I was being put through for what amounted to a mere {$75.00}?? 

The original amount of the credit card was for, I believe {$300.00}. As of XXXX, 2009, XXXX XXXX XXXX were attempting to have me pay, {$1300.00}. 

Any legal advice I received during this time was free from : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX York, NY XXXX advise and thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX incorrectly reported a late payment- despite my payments being automatically drafted. 

I disputed the incorrect information with XXXX as well as the XXXX major credit bureaus. As a result, XXXX financial had the incorrect report removed from all XXXX bureaus. 

Unfortunately, in XXXX, the incorrect information from XXXX was placed back on my report with all XXXX bureaus. This was the second violation of my consumer rights. 

I disputed the inaccuracy with all three bureaus in XXXX and XXXX, yet again. 
As a result of the aforesaid dispute, both Experian and XXXX removed the inaccuracy from XXXX XXXX. 

However, Experian did not remove the inaccuracy.
Product: Credit reporting or other personal consumer reports

TransunionXXXX credit reporting agency has put incorrect information on my credit report pertaining to my mortgage loan, they marked me late for the months of XXXX 2024 .my loan was not late each of those months, my mortgage loan was paid on time and also I spoke to XXXX XXXX  XXXX mortgage about the situation and they stated that my account was not late and for me to take this matter up with the credit bureaus that reported me late. I have reached out to the credit bureaus but I haven't gotten anything in return from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXSs#XXXXXXXX XXXX XXXX XXXX Wyoming To whom it may concern: I have recently obtained a copy of my credit file with your company, (XXXX XXXX XXXX XXXX XXXX Account Ending In XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX) and I note that there is negative information being reported by Equifax in the file that you maintain under my Social Security Number. Upon reviewing my credit report, I see an entry listing account charged off. I challenge the accuracy, compliance, and report ability of this listing. Please validate this information with (XXXX XXXX XXXX XXXX XXXX   Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611(a)(1)(A), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to e-Oscar or any other means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking $XXXX  per violation for 1) defamation, 2) negligent enablement of Identity Fraud, and 3) violations of the Fair Credit Reporting Act.
Product: Debt collection

I have contacted Central Financial Control many times via phone and mail. I have also disputed this collection account with XXXX, which is the only bureau I have a subscription to. I do not believe this is a valid account - I do not believe I owe this money nor that this was ever my account. Rather than providing proof of debt, I received a latter demaning that I prove my own identity in the form of a driver 's license and social security card. I have refused. Further, Central Financial Control reported this colleciton as a " charge off '' in XXXX of 2015, the exact timing of my dispute. I believe firmly they have violated XXXX provisions of the FDCPA, specifically Section 809. I have requested multiple times that this account be removed and as of today, it still appears on my credit report. This is the only collection I have, and it is causing me great harm as I shop for a mortgage. Please help me resolve this issue. Thanks, XXXX
Product: Debt collection

CPS CONSUMER PORTFOLIO SERVICES , INC ACCOUNT # XXXX XXXX XXXX XXXX XXXX ) XXXX THE NOT ONLY HAVE ME PAY FOR YEARS THIS USURY LOAN AND DAMAGE MY CREDIT BUT KNOW IM TRYING TO SETTLE A AMOUNT TO CLOSE THE ACCOUNT THEY REFUSING TO STATE THE INFORMATION OF THE VEHICLE IM PAY FOR IT IN THE SETTLEMENT LETTER OR GIVE OUT ANY INFORMATION ABOUT THE TITLE OF THE VEHICLE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Re : Dispute of Negligence Non-Compliance ( 16.81.0 ) on Credit Report I am writing to formally dispute items on my credit report identified as 16.81.0, which appears to reflect an issue of negligence and noncompliance. Upon reviewing my credit report, I have found that this entry is inaccurate and potentially violates my right under fair credit reporting act. Specifically I believe the entry does not meet the necessary requirements and fails to reflect accurate information.
Product: Credit reporting or other personal consumer reports

I am filing to formally request the validation and verification of the above-referenced account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to my credit report, this collection account has been reported by PORTFOLIO RECOVERY and I am disputing its validity. 

I request that you provide the following information : Validation of the alleged debt, including the name and address of the original creditor, and the details of the account. 
A full itemization of the amount owed, including interest, fees, or other charges applied. 
Proof that PORTFOLIO RECOVERY is legally authorized to collect this debt.
Product: Mortgage

This is another complaint against Shellpoint Mortgage Servicing 's response to complaint # XXXX. On XX/XX/XXXX XXXX from HUD and I spent over an hour on the phone with Shellpoint against their response that did not satisfy the complaint. They still refuse to give credit for the XXXX - XXXX, XXXX and XXXX payments and will not accept the returned payments to this month or terminate the foreclosure or wait for Real Time to complete their research of the misapplied payments from XXXX - XXXX. They also listed XXXX - XXXX as past due for the first time ever and refuse to give credit for the backup copies of cancelled checks sent for XXXX - XXXX. 
They said they sent annual escrow analysis statements but we did not receive one in XXXX or XXXX, not until this year when I learned our payment was increased in XXXX due to the escrow increase. Two checks were mailed, {$960.00} for the XXXX - XXXX differences in payments sent and {$4100.00} for the XXXX - XXXX they returned. They returned these two escrow payments but told HUD payment could be made on the phone- XXXX XXXX said no payments would be accepted. But they said they received {$2100.00} escrow payment on XX/XX/XXXX that they cashed and applied which I did not send. 
We submitted another loan modification application which XXXX XXXX stated documents were missing, I didn't agree but resent the documents. 
Thank you
Product: Credit reporting

I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( XXXX, XXXX, and Trans Union ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX