23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account 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. 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 inaccur
ate.
Product: Debt collection

United Revenue Corporation added another collection after them finally being erased onto my credit report without my knowledge. I have never used them as a creditor. I filed two police reports in XXXX when I first acknowledged on my report with XXXX, and another report in XXXX stating to remove this from my credit report as they had reached a wrong party. I have never used them as a creditor. I didn't get a reply back. The Collection is now open for {$1200.00} again. I have sent in multiple disputes and letters asking for this to be removed from my credit report. I also filed a dispute online with XXXX, asking for a signature proof to identify who the person was to rectify the situation, but XXXX would not provide this to me. They stated they verified that the account was mine which is not true. I sent in another letter XX/XX/XXXX I also sent a letter XX/XX/XXXX. This was the last contact. The letter was also sent by certified mail as well to XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a second 609 letter on XX/XX/2019 asking all 3 credit bureaus to verify collections that are reporting on my account that do not belong to me! XXXX bureaus have removed the accounts and XXXX and experian have not gotten back to me it has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two disputes with XXXX, XXXX  and equifax regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX  XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXX  XXXX. From the initial dispute letters, XXXX  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to XXXX, XXXX, and equifax on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM XXXX, EQUIFAX OR XXXX. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Midwest Loan Services about my credit report. The reported status of my loan is incorrect. For one, l filed bankruptcy and the loan was never reaffirmed. So why is it still bring reported when they had previously halted reporting my credit to the credit bureaus. Then secondly, l was on forbearance and my payment was not due for the reported late payments reported to XXXX. I called last week about this and l am appalled at MLS because they are purposely doing this as l keep having problems which is ongoing. I want this corrected and my loan was not reaffirmed after my XXXX XXXX bankruptcy. They are in the wrong and l want this fixed. My credit already negative due to the bankruptcy and lm trying to rebound. Yet, MLS is not helping my situation as they are reporting in bad faith.
Product: Mortgage

Not that The CFPB has been useful any oother time I have submitted a complaint about Ditech but to create a paper trail for the lawmakers I will involve again here goes Ditech has refused to provide the pay off quote for my loan for the last 2 years. It started when it was noted misappropriation of funds that you were already made ware of and did nothing about. Now I have sold the house and scheduled to close in a week and Ditech is telling two different things again regarding providing the pay off quote again My guess is to fudge the numbers again. I don't really understand why the web refers the CFPB to help in situation with fraudulent services like Ditech and you have no enforcing power as one of your representative stated but whatever. In addition due to fraudulent activities detected on my account with a previous insurance company ( changing the policy three times in the same policy year with notification to me ) Ditech no longer pays my insurance directly I do to ensure the matter does not repeat .Ditech every yearstates to provide proof of insurance and whenI do they demand that the mortgagee be listed Ditech Finacial LLC and its affiliates and or assigns. I have requested in writing for over 2 years the name of the affiliates and have never received a reponse. therefore Ditech was removed as the mortgagee for failure to disclose.However, Ditech called my current mortgage company and requested that it be applied again and that if I call to have it remove to cancel my insurance, ODD when I hazard insurance is required for the loan but then I get a notice stating that now itech provides Hazard insurance and they can cover me. I declined and remained with my current insurnace and had Ditech removed as the mortgagee
Product: Credit reporting or other personal consumer reports

My account with DEPT ED XXXX was never late! I have had exceptional payment history with DEPT ED XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

DEPT ED XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I went through a loan assumption in XXXX and have been locked out of my account ever since. I call in and they just say there is nothing they can do and they have no timeframe for when I will regain access to my account. I requested my payoff because I want to get away from this Mortgage company and they send me a document that I can only access through my online account ... ..which I am locked out of. I stayed on the phone with them for almost XXXX hours and resolved nothing. This company is a joke and they need to be shut down.
Product: Mortgage

I am in the loan modification process but at the same time the mortgage lender pursues foreclosure remedies in state court while simultaneously is offering me a mortgage modification ( DOUBLE TRACKING )., This is my house primary residency ( and in Florida, XXXX XXXX JUDGES DO NOT ALLOW CANCELATION OF FORECLOSURE SALE ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance of {$310.00} showing in collections is now a closed account when the balance should have never been in collections to begin with because balance was covered under federal student loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit card or prepaid card

I have several issues with Synchrony Bank, They have closed and reduced several of my cards. I have never been late on any of my cards where is would require them to close my account I have always had a good standing with them. 
They have closed the following accounts SYNCB/STEIN MART DC and reduced a {$7000.00} balance to {$2000.00} and closed ( XX/XX/XXXX ) with me owing {$1900.00} in which this account has always been in good standing. Never a late payment Opened this account up in XX/XX/XXXX. They said that closed this because I had two NSF returns in a 12 month time but told me if I didn't have auto draft set up and just didn't make the payment I would be fine. Doesn't make sense as long as I make the payment and not late. 

SYNCB/Belk closed XX/XX/XXXX never been late ... Limit was {$2000.00} reduced to {$1000.00} I paid as agreed never been late ... was open in XX/XX/XXXX SYNCB/CARE CREDIT reduced my limit from {$2500.00} to {$500.00}. I had never been late. I felt violated and closed this account myself. I opened this account XXXX XXXX closed on XX/XX/XXXX SYNCB/TJX CO DC had a {$2000.00} limit never been late they closed this account on XX/XX/XXXX This account was opened in XXXX closed by SYNCB on XX/XX/XXXX SYNCB/JCPenny closed for no reason never been late. 


All the closing and reducing limits has been injurious to my credit profile. It's totally unfair to the consumer when he upholds his end of the bargain and you have a computer generated script that controls the consumers limits and closes his/her account this should a be against the law and fair credit practices. That software should be banned or rewritten. 

I have attached what my credit report looks like for each account ... all were in good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received an investigation results.
Product: Credit card or prepaid card

Wells Fargo Closed my credit card account, with out notifying me. I have a great credit score, I pay my bills on time and in full. They could not give me a response to why they closed my account other then that I am risk adverse, I have attached the paperwork plus the last credit card statement. They have told me that all my points are gone, even though I did not use them. I would like to get them back all $ XXXX, that I have earned. I am hoping you can help me on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Report Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violate my rights. 15 U.S.C 168 Section 602A states I have the right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumers reporting agency can not function account without my written consent.
Product: Credit card

RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : Account : XXXX Account number : XXXX XXXX XXXX XXXX  Reason for Dispute : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Title loan/personal loan ( not sure at this point ) .. Paid off, called local office no balance, company changed names/mgmt from XXXX XXXX to XXXX XXXX.. You cam and can tget anyone to answer their phones and forced to leave message on random general voicemail. Now all of a sudden it sen to collections by XXXX to Colection agency called XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  account numbers : account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. states I have the right to privacy.

15 U.S.C. 1681 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666 B. A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I incurred an unauthorized charge on my credit card ending XXXX with SunTrust ( now, Truist ). I contacted the credit card company immediately and a claim resolution was provided on XX/XX/XXXX whereby the card ending XXXX ( with a case ID number attached ) was closed and a new credit card was issued on XX/XX/XXXX. From that time until now, everything worked as normal with the new credit card. 

I just logged into my Truist account on XX/XX/XXXX and noticed that Truist has added credit card statements from XXXX, XXXX, XXXX, and XX/XX/XXXX under the old credit card ending in XXXX, indicating that I owed the {$300.00} in stolen charges from XX/XX/XXXX. Fortunately, I have a printed resolution from SunTrust, dated XXXX, that states the unauthorized charge was resolved. Now, it's suddenly showing up as a new credit statement with an active balance. I contacted the Truist credit card department and talked with 4 different individuals for over an hour. They have informed me that the XXXX charge was resolved, BUT WILL NOT PROVIDE A WRITTEN RESPONSE TO THAT EFFECT. I simply asked for written confirmation that the XXXX unauthorized charge was resolved ; and, I did not understand why ( after 28 months ) a credit card statement had reappeared on my account under the old credit card ending XXXX. 

I was informed Truist has transitioned their credit card information back in XX/XX/XXXX and this issue was yet to be resolved. I informed each individual that this issue had never appeared after the card ending XXXX was closed up until XX/XX/XXXX. 

I'm alarmed that Truist refuses to provide me with written documentation about the successful resolution of this issue from XXXX. The representative indicated a complaint form was submitted internally from my discussion today, but I could not have access to that document. I simply again asked for written confirmation the XXXX charges had been resolved. The response was YES, but they wouldn't provide written documentation. 

I finally asked for a supervisor and expressed by displeasure about how this was being handled with a tremendous lack of transparency. After much angst, she agreed to submit my request for a written resolution to the Consumer Resolution Department and provided me with a case ID : XXXX. I asked if this meant I would be receiving written confirmation about my complaint 's resolution ; she responded by saying, " that's up to the Consumer Resolution Department ''.

I find this interaction with Truist Bank quite alarming and disturbing as they refuse to be transparent with the consumer. I have banked with this organization for probably more than 30 years and now can not get this issue resolved which includes removing the credit card statements beginning XX/XX/XXXX from my account. I'm considering closing the current credit card account to resolve the issue as the CONSUMER.
Product: Debt collection

I have been getting up to XXXX calls a day from RPM Collections. Sometimes there is background music, sometimes NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle in XX/XX/XXXX and in early XX/XX/XXXX had a very bad car accident I had full coverage on the vehicle but the adjuster never totalled the vehicle out although they verbally said they would and it left me with an unpaid balance of over XXXX and it remains on my credit report even though the account has been closed.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Victim of Scan/Fraud Dear Consumer Financial Protection Bureau , I am writing to report a Scam/Fraud. On XX/XX/XXXX, I received a notification from XXXX of a website regarding an auto action. That same day I registered on the website of following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX On XX/XX/XXXX, I made a bid for a XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a call from XXXX and I was notified that I was the winning bidder for {$37000.00} and I was given wire instructions to wire {$37000.00} to the following : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Registered Agent Name : XXXX XXXX XXXX Bank Name : Bank of America XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX Routing Number : XXXX On XX/XX/XXXX, I authorized XXXX XXXX XXXX to wire funds to Bank of America for I believed I won a car through a legit auto auction and paid in good faith. I notified, XXXX at XXXX that I had wired the funds, and I was emailed a notification that the car would be delivered to me on XX/XX/XXXX, between the hours of XXXX to XXXX. Later I found on the Night of XX/XX/XXXX, that the website of XXXX no longer existed. On the morning of XX/XX/XXXX, I called XXXX at XXXX XXXX and to this day no one has returned my calls. 


I am asking Bank of America to protect me as a consumer. They opened an account to XXXX XXXX XXXX XXXX XXXX, which was registered to XXXX XXXX XXXX, which is a Scam. I in good faith wired funds of {$37000.00} to purchase a car that I won from an auto auction that I believed to be legit. Which turned out to be a total and complete scam. Please reverse the wire and send funds back to my XXXX XXXX XXXX account for {$37000.00} for I am a victim of fraud and should not have to take a loss for a scam that started in your bank. 

Please note I have filed a complaint with Federal Trade Commission, report # XXXX and the XXXX XXXX XXXX Department, report XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FBI, Federal Reserve , Office of Comptroller of Currency , and XXXX XXXX XXXX XXXX Please reach out to me at XXXX. 

Sincerely, XXXX XXXX