23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ditech claims the last payment we sent was on XX/XX/2018. Because of this, they are defaulting the loan, and trying to foreclose on the home. 
We pay using our bank 's billpay service. According to my bank records, we have sent in three payments since then. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ditech is not attempting to process or cash these payments sent to them.
Product: Credit reporting or other personal consumer reports

I recently discovered several fraudulent accounts and inquiries on my TransUnion credit report that were opened without my authorization. These accounts and inquiries were the result of identity theft. After realizing this, I filed an identity theft report and began disputing the fraudulent activities. 

The fraudulent accounts include credit cards and bank accounts opened between XXXX and XXXX, with balances totaling several thousand dollars. Additionally, there were unauthorized inquiries made in XXXX and XXXX. These items are negatively impacting my credit, and I am demanding their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ]. 

I have taken all necessary steps, including filing a report with the FTC and notifying the credit reporting agencies. I expect TransUnion to comply with the FCRA and delete these fraudulent items from my credit report without delay.
Product: Credit reporting or other personal consumer reports

I paid this account in full on XX/XX/year> afterwards I used the paperwork to submit a dispute with the three credit bureaus and after the dispute process my account information remained showing that the account still has a balance due and that it is charged off. I understand it will remain as charged off but it should be charged off/paid. The company told the credit bureaus that the account information was correct and that I still owe on the account. This is a false statement and I would like this company to be made aware of best practices when reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, someone opened a fraudulent account in my name without my knowledge. The amount is {$110000.00} and is reporting on my credit report. When contacting company unable to resolve. As a result, I am filing disputes with multiple reporting agencies to have incorrect information removed immediately!
Product: Checking or savings account

i've already made a complaint and the bank called me but when i try to call back i can't go through this needs to be resolved before XX/XX/XXXX when they take the temporary credit back for fraud. I got a notice unable to pay for my 2 claims XXXX total which the credit should be permanent as my debit card was unauthorized used and stolen.
Product: Debt collection

I 've written 4 letters since XXXX XXXX, 2015 to Midland Credit Management to valid that I owe them. They sent me a computer generated copy someone printed out. No signature! All I 'm saying is I will pay them if they can supply proof I owe them. They ca n't, and they 've had since my first letter to them XX/XX/XXXX to valid it. What they did instead was notify the XXXX major credit bureaus to change my statues to " Disputed ''. The FDCPA clearly states that they have to stop collection activity if the consumer disputes. This alone is a violation of the law!!! I will not and can not make myself pay someone I do not owe a dime. I understand CONTRACT LAW will protect the consumer. Midland Credit have nothing with my signature on it agreeing to do business with them and they know it. Plus XX/XX/XXXX, they removed the XXXX accounts from XXXX and XXXX, then turned around and put them back. Please help if you can, because this is hurting my credit.
Product: Vehicle loan or lease

I have a Ford Credit ( XXXX XXXX ) lease that is ending XX/XX/XXXX. The vehicle in question is a XXXX XXXX XXXX XXXX with very low mileage. 

Due to the equity I have in the vehicle, I was attempting to sell the vehicle to XXXX XXXX XXXX ( GA ) on XX/XX/XXXX as they were interested in paying above the buyout/purchase price of the lease. Everything was going fine until the dealership spoke with Ford Credit and informed the dealership they could not purchase the vehicle because I was within an undocumented period known as the " 120 Day Rule. '' I spend almost an hour on the phone with Ford Credit this afternoon ( XX/XX/XXXX ) and not a single person was able to help in the matter. I spoke with XXXX representatives from Ford. It turns out the " Lease End '' department is not even available on weekends, making the situation and cost even more excessive for customers. 

Apparently, Ford Credit will not allow allow a lessee to sell the vehicle to the dealership within 120 days of the lease end date. This policy is nowhere documented on the lease terms. Most Ford dealerships are not even aware of this policy from Ford Credit. 

The only option I have at this point is to buyout the lease myself, and then wait 30 days to receive my title ( assuming all goes smoothly ) and then hope I'm still able to sell the vehicle. To make matters worse, the dealerships are charging excessive Documentation Fees to lessees who are buying out their leases. In the case today of Autonation, they wish to charge me a {$690.00} documentation fee on top of the lease buyout price. And because I would be forced to first buyout the lease before I can sell the vehicle to the dealership, I would need to pay tax to the state of Georgia, register the vehicle, pay tag fees, all before I turn around and sell the vehicle. 

If Ford Credit was being transparent in their terms, I would have attempted to sell the vehicle at 121 days out from the lease, but now that I am within the undocumented 120 period, I am stuck. And to make matters worse for me, I have already purchased another vehicle, so I am now stuck with 2 vehicles. I will have to take approximately {$18000.00} out of pocket to buyout the lease, I will need to pay auto insurance on both vehicles, I will need to pay titles/tag fees, and hopefully I can sell the vehicle when this is all over.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX and XXXX XXXX ; whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. The account number on Experian is not the same as the account number reported to XXXX and XXXX. The original balance and limit reported to XXXX is not the same as the balance reported on XXXX and Experian. The last payment date on XXXX and Experian is different from XXXX too. Those inaccurate reports are violating my rights as a consumer in the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan still shows open on credit report. Contacted XXXX XXXX. They told me to login online. Loan does not show up. They refuse to send a statement. Need paid in full statement for mortgage. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Third Request - I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and Barclays Bank pulled my report without, y consent. I did not authorize this to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX
Product: Debt collection

XXXX, a company in XXXX, California posing as a collecting agency for JP Morgan Chase bank, collected money I owed Chase bank but did not pay this money to Chase bank. Chase bank denied XXXX was their collecting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to inform all parties that in the last thirty ( 30 ) days I explained in my letter to that, you, as a Federal Reporting Agency has not complied followed FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt on my credit report from XXXX XXXX XXXX and XXXX XXXXXXXX in the amount of {$30000.00}. Dates of disbursement are XX/XX/XXXX and XX/XX/XXXX I did not attend this school and this is not my debt. I tried to dispute this matter but I was threatened to pay or my wages would be garnished.
Product: Credit reporting or other personal consumer reports

I closed on my loan with XXXX XXXX on XX/XX/XXXX XXXX I requested the escrow and excess funding to be sent to my new address which was located on the closing docs. I had to have someone else call in on their number as each time I called in I got the automated system- I spoke with XXXX on or about XX/XX/2024 at XXXX XXXX  who communicated that they sent payments to the property address which is not where I live nor on the closing documents- I then again updated my address information to which she stated that the checks would be updated and mailed to my current address at XXXX XXXX XXXX XXXX Ohio XXXX As of tis date I have sent via email several notices for them to direct deposit the amount in my account as they communicated to expedite the process. They continue to refuse to send payments to me for teh escrow and remainder balance in the amount of {$820.00} and should be with interest as we are beyond a month of paying this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXXXXXX XXXX Balance {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXX XXXXXXXX Balance {$900.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, 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 Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX
Product: Debt collection

In XX/XX/2023 I contacted Pro Collect to inform them they were furnishing inaccurate information on my consumer report due to me being a victim of identity theft. You can also see in the letters that I have attached that I requested a method of verification. None of the companies provided verification. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something. I did not make any of this up, this is directly from congress!
Product: Credit reporting or other personal consumer reports

Hello, This is a formal complaint because I am extremely XXXX  and XXXX that you have included information below in my credit profile. These items are not reporting XXXX XXXX  accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. XXXX is not verification, might I add. 

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

These accounts have been on my credit report for XXXX years
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 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : 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: Credit card or prepaid card

On XXXX XXXX I had an electronic transfer to the credit card company to pay off my balance. I was looking at my credit limit and accidentally quoted them the amount of my credit limit instead of my balance. by the time I realized it, to late. I figured they knew how to take care of it. Well, when they got the money with the extra amount they put the extra amount in like I owed it. Of course at the time I did not know this until I received a letter from them apologizing for the mistake. The letter was dated XXXX XXXX. So, ok, I figured they would fix it. So now on XX/XX/XXXX I get a bill that is charging me {$18.00} in interest. In the time between I also had a XXXX card with the company so I called in and asked if the credit I had could be applied to that second card. That seemed to be ok, so I canceled the original card. I'm older and I would sometimes use the wrong card since I had XXXX separate cards and really needed to par down on my stuff. They tried to get me to combine the accounts but I Only wanted to retain the smaller limit card, they finally accepted that. Sounds like everything is great, until I got that bill. I was so pissed about that {$18.00}, that I called right then, and of course get the recorder guy, waited through all that mess and repeatedly asked for representative. Finally I get a person but he n helpeeds all my information then he still doesn't work out, hard to understand with his deep accent, etc. So now I get a young lady, I'm really Mad by now and she can tell but she is real cool and tells me that the interest charge is computed daily and I am trying to tell her the account was closed and overpaid and the extra money was transferred to another account. She is still saying that the interest charge is from XX/XX/XXXX to XX/XX/XXXX. I'm still trying to tell her the account was paid off, a mistake was made and trying to read her the letter I got and she is saying to me that the interest is computed daily, needless to say she was not trying to help me understand anything and did not even seem to be hearing anything I was saying. Not once did she say, Mam lets see if we can figure this out or maybe a supervisor could help, NOTHING in the way of real customer service. And well, I really lost my temper and told her to cancel my other card and that I was going to complain on a national level and tell every person I know and Meet not to deal with their company.,
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.