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 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 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.

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: Payday loan

I never applied for a payday loan through this XXXX XXXX XXXX, they 're scammers. They have all of my information old checking account number my social security number. I just learned Today XXXX/XXXX/16 they have put this on my credit report as a collection for the amount of {$640.00} and this Midwest recovery is on my report. I called the XXXX XXXX number and they told me that I can settle this matter for {$300.00}. I do n't owe this never got a payday loan from this group and want this off of my credit report.
Product: Credit reporting or other personal consumer reports

The account was opened XX/XX/XXXX and closed XX/XX/XXXX. Thats inaccurate because it says last payment date was XX/XX/XXXX. Than my status was update XXXX as a charge off. Also shows inaccurate information through other credit bureau. This inaccurate information falsely manipulates my credit worthiness and hurting my ability to obtain credit. Experian failed to investigate this account properly after repeatedly asked to have this account updated. Your neglect has once again violated my consumer rights. Im demanding a deletion of the following account XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

A unit was leased from XX/XX/XXXX to XX/XX/XXXX. after XX/XX/XXXX, it changed to a month to month lease. We turned in notice to vacate and move out of the unit XX/XX/XXXX. Rent was paid in full through XX/XX/XXXX and I never received a move out statement or my deposit of XXXX back. We were being harassed and stalked the entire time we lived there and the landlord was contacted about the neighbor 's dog ( who the landlord stated to me that they were not aware of but nothing was done about the attack dog ) as well as someone coming onto the patio and tearing apart items on the patio that I had purchased. someone also left a dead animal in our garbage can. attempts by someone to enter the unit while we were there was made by someone ; as the ring alarm would sound off in the middle of the night while my kids and I were asleep upstairs. I gave notice to vacate! XX/XX/XXXX, I have received an alert that a collection for {$500.00} was placed on my equifax credit report by a debt collection agency that is acting on behalf of XXXX XXXX property XXXX. We have tried contacting great plains and we get no answer. I was unable to turn on the keys directly to a person when moving out because they are rarely in the office so I put the date of return and placed all the keys in their drop box upon move out. since we moved out, we have not heard from XXXX XXXX and now they are trying to use a collection agency to collect money that we do not owe them. They should be returning my deposit of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian and XXXX. I submitted proof that XXXX Bank and XXXX Bank Cancelled by debt in full so that I no longer owe the banks any money. After submitting a 1099 c form from XXXX and XXXX Bank around XX/XX/2023 and XX/XX/2023 which a 1099 c from which is documentation from those banks that the debt is cancelled and is stated on the forms. Experian and XXXX ignored this made the decision to not make the proper changes falsely claiming they contacted both institutions and the account information they already had was accurate. That is a lie, I just received the 1099 c forms in the mail in XXXX. They should have updated the balance of XXXX and XXXX to XXXX they still show I currently am in debt with these banks showing a balance instead of updating it. They are not ready or are illiterate or lying. 


Experian and XXXX is making a claim that they contacted those banks and investigated about the 1099 C form and therefore not updating that it to XXXX balance owed. 

To prove they are lying and they did not consider the 1099 c forms and contact the banks in regard to the forms, you need to look at XXXX who updated my accounts they have with XXXX and XXXX. I gave XXXX the same data, the 1099 c forms from XXXX Bank and XXXX Bank. XXXX said their investigation concluded that I no longer have debts with XXXX Bank and XXXX XXXX and rightfully updated my balance to zero on both accounts with them. Their conclusion is in alliance with the 1099 c forms that their investigation is true and right. XXXX conclusion is the opposite of Experian and XXXX and matches the documents. 

Experian and XXXX is being deceitful and is not updating my account according to the 1099 c forms and claiming they contacting XXXX and XXXX. XXXX is the only credit reporting company who really investigated and made the changes on my account.
Product: Consumer Loan

i was incarcerated when this account was open this fraud representative claimed i forged a police report through XXXX police that was filed and XXXX police, you can confirm that both identity theft police reports where not forged and are accurate, i was in federal custody when this account was opened and there failing to remove these accounts, by bureau of prison inmate number as XXXX and i was incarcerated from XXXX/XXXX/2010 for XXXX months and they can confirm this online and are refusing to do so, they can confirm this info through XXXX and wont do so and say they verified this account as mind and its NOT mind. I was at FCC XXXX XXXX at the time this account was opened no way i could have opened this account and you being the government can confirm both police reports in both cities and can easily verify where i was when this account was opened under my name, there violation my rights under the FCRA and FCBA
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I went on line to get a loan for debt consolidation. LoanMe was able to offer me a loan. I was given a few loan options with the highest amount being {$7600.00}. The options and terms are attached below. I wanted to get the option with 48 months but the loan officer only offered me the 84 months option and told me that's just how the loan was set up. I have the email conversation saved. Of course the 48 months option was the best deal for me and the 84 months option the lender would make more money, which also means more commission for the loan specialist. I just felt that the loan specialist did not have my best interest. He should be able to set up the loan if it was one of the options given to me. I contacted customer service department on XX/XX/XXXX and spoke to Ms XXXX to try to work out a better option. I asked her if she could investigate to see if there was anything she could do to give me the better loan option with 48 months term. She said that was just the loan I signed for. But i still feel like it was predatory lending. I really needed the loan because my husband was in the hospital and he lost his job. I only made $ XXXX/hr at the time as a preschool teacher. My monthly payment is {$560.00}. After paying all my other bills, it is very difficult to pay any additional amount as I have tried to for the past year. It made more sense to give me the 48 months term based on the income I had. I would be able to pay it of in 4 years worse case scenario than to pay it of in 84 months. 

I borrowed {$6600.00} + {$950.00} origination fee = total loan amount {$7600.00} For 84 payments of {$560.00}, total payment would be {$47000.00} For 48 payments of {$580.00}, total payment would be {$27000.00} As you can see, the 84 payment plan is almost interest only and i still owe about {$7500.00} after making payments for about a year.
Product: Debt collection

These individuals continue to contact me via email and threatening to contact my employer and I have no idea who they are. Please see below : This Proceeding issued on you Docket No : - XXXX with one of SPEEDY CASH LOAN. The Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you.

Now its high time if you failed to respond in next 12 HOURS we will register this case in  court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX XXXX. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. 

The above invoice for {$780.00} has recently become overdue for payment. As such, we would appreciate you making this payment as soon as possible. 
Settlement Options/Outside Of Court Settlement ( O.O.C.S ) : ( 1 ) Offer in compromise : {$680.00} ( Submit today to close the debt without interests ) ( 2 ) Payment of {$780.00} due has to be paid in full by installments or offer in compromise {$780.00} Today to close the debt. 
NOTE : IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF COURT THEN REPLY OUR SETTLEMENT DEPARTMENT ON : mailto :  XXXX XXXX
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 Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX {$190.00} 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: Debt collection

XX/XX/XXXX & XXXX, XXXX I had " Cancelled '' the loan in question due to many, many errors regarding the loan within the 3 day period and was acknowledge by XXXX XXXX  XXXX in writing per the attached documents dated, XX/XX/XXXX & XX/XX/XXXX, requesting us to sign new loan documents. HSBC Mortgage Services, XXXX XXXX XXXX and now XXXX XXXX documents are back dated ; altered ; wrong loan numbers ; XXXX illegally signed by Notary ; Adjustable Rate Note page XXXX has "? " ; Good Faith Estimate was for a VA Loan for XXXX years NOT a first and second ; reasons why I cancelled. 

See attached XXXX and Error Resolution Notice Under 12 C.F.R. 1024.34, dated XX/XX/XXXX and XXXX XXXX XXXX dated, XX/XX/XXXX, and as of today 's date NO response from either XXXX XXXX or XXXX XXXX with the XXXX  days per RESPA. 

XXXX - Tried to refinance with XXXX XXXX XXXX XXXX and like the previous years could not get pass the Title / Deed XXXX - Tried to refinance with XXXX XXXX XXXX and like previous years could not get pass the Title / Deed process. 

So how can XXXX XXXX Foreclose on a Title / Deed that is illegal? 

The Government has fined each one of these servicing companies for violations that are still going on : HSBC : US District Court for the District of Columbia XXXX XXXX No. XXXX XXXX XXXX XXXX : US District Court Eastern District of New York XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX CFPB Administrative Proceeding XXXX No. XXXX The following are CFPB Complaints : HSBC - XX/XX/XXXX : XXXX XXXX XXXX XXXX- XX/XX/XXXX : XXXX XXXX XXXX - XXXX : XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 

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

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

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

These accounts are inaccurate in their reporting. I have brought these inaccuracies to the attention of the credit bureau mentioned. There are multiple errors throughout my credit report from all three credit bureaus and it is my right to have these accounts reported accurately under the fair credit reporting laws. As a resolution I want these accounts UPDATED : Paid as agreed on time, I was never late back in 2019 this is inaccurate. Please update to 100 % on time on my credit report immediately. 

Consumer financial protection bureau XXXX XXXX XXXX XXXX DC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX has violated my rights. 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly collections for medical expenses on the following accounts : XXXX XXXX in the amount of {$4500.00} account number XXXX ; N/A in the amount of {$1600.00} account number XXXX ; XXXX XXXX in the amount of {$700.00} account number XXXX ; CREDITORS in the amount of {$340.00} account number XXXX ; XXXX XXXX XXXX in the amount of {$290.00} account number XXXX ; and N/A in the amount of {$140.00} account number XXXX. ( Please see page attached from my credit report. ) I had health insurance coverage and therefore there should be no outstanding balances due. ( I have attached a copy of my insurance card. ) This false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I attempted to both obtain my annual credit report and to freeze my credit file with Experian. I went to the credit bureau website experian.com and followed the prompts to request a credit report. The prompts lead me to creating an account and then confirming the account. I entered my infiltration as requested. However the website either displays an error or displays the following : " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX '' or " Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled.Call us toll-free at XXXX '' I called numerous times trying to accomplish the same through experian 's phone system or to reach to customer support. The system could not provide any meaningful information and live customer support is not reachable. 

Consequently, I am unable to create an online account and I am unable to obtain a credit report or to freeze or unfreeze my credit file through experian. 

I was able to verify my identity and complete all these tasks from the other 2 credit bureaus easily. 

My complaints are 3-fold : 1 ) liability to reasonably quickly freeze/unfreeze credit file electronically or by phone 2 ) inability to view my credit score 3 ) lack of reasonable consumer support
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 Equifax has violated my rights and continues to report inaccurate data on my credit report. I am starting legal actions against them. 

All violations can carry a fine of {$1000.00} each and there are several. This does NOT include fees for my attorney and my own costs to rectify this situation. Equifax could be liable for over {$10000.00} in total court costs. 

1. XXXX XXXX - several times I have spoken with representatives from XXXX, and they have agreed this account is to be removed from my report. I have disputed Equifax over 4 times with this. And yet Equifax STILL shows this account. I am within my legal rights to demand this account be removed from my equifax report. The account ASLO still shows after disputes inaccurate information! 

2. XXXX XXXX- There are 2 accounts ( closed ), that contain inaccurate information, and when I spoke with a representative, these accounts are okay 'd to be removed from my credit report. The accounts still show and the inaccurate information STILL shows as well. 

3XXXX XXXX XXXX - Collections account - This account was paid in full and XXXX  XXXX greed to remove this from my report and yet it still shows in my equifax credit report! This is a violation of my consumer rights. 

4. XXXX XXXX - This account was voluntarily closed and I spoke with a representative from XXXX XXXX and this account is to no longer be on my credit report. There are also inaccuracies on my report that even after multiple disputes, they still show! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX -- This account was also voluntarily closed and after I spoke with XXXX XXXX representative over the phone, they had agreed this account should no longer be on my credit report, but it still shows! There are also inaccuracies on my report. 

There are multiple inaccuracies in my PII section which my lawyer sent an affidavit demanding removal of inaccurate information. Equifax has NOT done this! 

I am left with no choice but to start legal procedure against Equifax if these accounts are not removed immediately.
Product: Mortgage

Good morning, I'm submitting this complaint against Selene Finance as a result of their improper foreclosure actions. I have been under bankruptcy protection for 4 years now, but I was XXXX in XXXX and unable to continue making my mortgage payments. I was also continually told by XXXX that it wasn't a problem and to keep them updated as to what the status of my getting back to work is. 

I've also tried to submit documentation for a loan modification on a number of occasions, only to be told that until I'm back to work full time, no modification would be available or any other relief for that respect. Now that I'm back to work, I was planning on submitting a new modification kit to them, only to be served with a Writ of Possession from our sheriff 's office informing me that my property was sold at auction without my knowledge. 

While New Jersey does have a provision that allows for Optional Foreclosure Process, NONE of the conditions that need to be met were. 

* I have not abandoned my home * I have not signed a Deed in Lieu * There IS equity in my home I'm asking you to demand that Selene postpone the certification of sale and review this complaint. I'm also finding an attorney to assist with the filing of a XXXX XXXX, and requesting this sale be vacated. My intent will be to Cloud on Title unless Selene resolves this matter. Not only is what they've done a RESPA violation, the service and demand to vacate in 2 weeks is also - New Jersey Law instructs that homeowners are given a minimum of 90 days to vacate. Not 3 weeks.

I also submitted the Qualified Written Request for an explanation of what they've done and proof that they did so legally. Selene Finance has CONFIRMED receipt of this letter. 

Thank you in advance for your help with this and I'm available to discuss this matter anytime. 

XXXX XXXX XXXX
Product: Bank account or service

The incidents have taken place between the dates of XXXX XXXX 2015. We, XXXX XXXX and XXXX XXXX, are jointly filing a complaint against XXXX Wells Fargo Employees:1. XXXX XXXX, NMLSR ID : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXXXXXXXXXX. XXXX XXXX XXXX. XXXX XXXX XXXX listed employees were fraudulently involved with knowing and/or opening an unwanted line of credit by accessing XXXX 's social security number. Furthermore, when closing all accounts from Wells Fargo, we learned not all accounts were properly closed therefore altering the amount the home loan lent to us.
Product: Debt collection

XX/XX/2021 Credence Resource Mana ACc:XXXX amount XXXX this account does not belong to me. Iam notifying the FTC that my identity has been stolen. and used for fraudulent activity this account has cause me financial ruin and confusion. I look forward to your reply and resolution to my problem.