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

In your previous letter you state : As shown in the enclosed transaction history, you have been inconsistent in making timely payments. OneMain disagrees that the Fair Credit Reporting Act ( FCRA ) does not permit OneMain to report your account or the payment history for your account. 

According to The XXXX XXXX XXXX my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. So once again I will ask, how can your company furnish any transactional history on my consumer report when the law clearly states that this is excluded from my consumer report? A payment history is a reflection of a transactional history, but if this information is excluded from my consumer report by law, how can you furnish a payment history or furnish a payment as late if this information is excluded? 
The FCRA under 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusion from a consumer report clearly states : ( 2 ) EXCLUSION- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681b-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; In your responding letter on XX/XX/ 2024, OneMain disagreed that your company failed to notify me of negative items being reported. You claim you have provided me with a notice of a monthly billing statement showing this negative information. 

In my response, I have not received any notice or any monthly billing statements from XXXX. I request that OneMain show me PROOF where I received these monthly statements that you are claiming you sent me. Can you show me PROOF where these monthly statements were delivered to my address. Can you provide me a tracking number showing these monthly statements were delivered to my address above prior to or no later than XXXX  days after furnishing negative information. I request Proof, and if you can not provide me with proof, I demand this account be removed from my consumer report. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than XXXX  days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I demand you show me PROOF where you sent me a notice prior to or no later than XXXX  days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA.
Product: Mortgage

My mortgage was with XXXX XXXX XXXX XXXX XXXX and it is serviced by Loancare LLC. 

As a condition of my mortgage, hazard insurance was escrowed and paid yearly by the servicer. 

Inexplicably, Loancare LLC stopped escrowing my hazard insurance and never sent me a notice as required by TILA. My hazard insurance was not paid and remains in lapse since XX/XX/2018. I have tried to get this fixed with Loancare. However, my home remains uninsured. 

I will not be able to afford the much larger payment resulting from the new escrow analysis ... if this ever gets fixed ... because they'll charge me going forwards for the hazard insurance, and for that which they screwed up. This will increase my current payment by as much as 25 %. I believe this to be a UDAAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX account # XXXX thats reporting on my credit report has inaccuracies that makes this report invalid!!! in XXXX date opened XXXX while in XXXX says XX/XX/2021 date last active all 3 bureau has three different dates!! PLEASE DELETE THIS INVALID DEROGATORY REPORT THAT'S HURTING MY CREDIT SCORE IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

I have attempted to contact Equifax, Experian and XXXX for my credit score. Signing on to the credit bureaus is a constant struggle each of them are offering you a product to improve your credit score. Basically to sign up for their program and or affiliates. It makes navigating the web page difficult and makes me feel as though I need to purchase something to receive my credit report and credit score. Furthermore I file bankruptcy about 6 years ago, I am aware it stays on my report for 7 years, however, I have since purchased a home and demonstrated good credit and my score is on a constant decline. My credit reflects on time payments and even accounts paid off. When I ask how is this possible I am not given a straight answer. How can the companies in charge of my publishing my credit report be fair if they are constantly trying to sell me their products? With the economy the way that it is a low credit can be devastating! There has to be a better way for consumers.
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. 
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  has violated my rights. 


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

XXXX XXXX XXXX  called about a debt for an apartment. We understood and asked to make payments. The representatives were rude and were not cooperative. They refused to help us and assumed that we should be able to pay the full amount. They also said that they would make sure this would stay on our record for 7-10 years as they are close with the Crediting Bureau. 

When were then continuously put on hold. When we tried calling back they were harassing and wanted to much personal information. They continued to be harsh and unwilling to work with us.
Product: Mortgage

Request SPS to provide the following items to me ( this has been ongoing since they became the mortgage servicer since XXXX XXXX XXXX ) 1.written explanation why my property tax ( 1st installment due XXXX/XXXX/XXXX ) was paid late XXXX XXXX which incurred a penalty from the State of California ( $ XXXX est. ) which as of today has never been provided after 5 requests through letters and faxes 2.request for my impound account that pays my property tax and fire insurance be terminated and have the mortgage note modified to reflect the principal and interest payment without the impound..sent two letters as well as a fax letter and no response in writing from SPS as of today date 3.request a written explanation of why there is a escrow shortage for the tax and fire insurance impound since it is being added to the principal and interest payment and how did this occur..request three times via letters fax to their customer service account supervisor XXXX XXXX, XXXX XXXX, XXXX XXXX without result . last two months to date. 

Please have SPS comply to my written requests without further delay. I have been in contact with them long enough toi realize that it is a total waste of time and energy without your help to force them to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not allowing any of my lenders to access my credit report after multiple attempts exhausted trying to fix the issue. I am at a standstill. It is also not reporting all of my credit accounts. This needs to be fixed asap to allow my lenders access.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX XXXX  ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to TransUnion, and we'll let you know when it's complete. 

GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Sales Financing ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Personal Loans Cos. 
See an error? 
Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry Institution Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor.
Product: Mortgage

We applied for a mortgage with PrimeLending after being pre-qualified for a loan because we were assured that we would close on XXXX XXXX, 2017 and because of the low rate we were quoted. Four business days before closing, the lender stated that they could not close the loan on that date, and the only way we could close the loan in a timely manner ( an additional 4 days ) was to go with a different loan product that required less underwriting. This increased our interest rate more than 0.5 % and our closing costs {$4000.00}. 

Our extension with the seller is now about to expire, and we have not been cleared to close, even at the higher interest rate. Not only have we been forced into a bait-and-switch scheme because we have no other choice at this point, the seller may choose not to extend the contract again and we will be in breach of contract with the seller.
Product: Vehicle loan or lease

On XX/XX/year>, XXXX XXXX submitted a completed credit application to XXXX XXXX on my behalf. After accepting all the information necessary to determine creditworthiness, XXXX XXXX declined to transfer the free credit balance to finance my retail purchase from XXXX XXXX. I sent a letter to contest the denial of which XXXX XXXX has since failed to respond. I believe this denial violates 1002.6 of the Equal Credit Opportunity Act, which pertains to the rules concerning the evaluation of applications. 
According to 1002.6 ( a ), a creditor XXXX consider any information obtained in evaluating an application, provided that this information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act emphasizes the importance of an effects test. This concept, established by the Supreme Court in landmark cases such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, underscores the need for fair and unbiased credit evaluations. 
XXXX XXXX specifically states that my credit history was used in their decision to decline credit, as quoted : your request was carefully considered, and we regret that we are unable to approve your application at this time for the following reasons : delinquent past or present credit obligations with others, limited credit experience, excessive obligations in relation to income. We also obtain your XXXX XXXX from the consumer reporting agency and used it and making our credit decision. 
Part 1002.6 of the Act continues : ( b ) Specific rules concerning use of information.

( 1 ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants. 
XXXX ) Credit history. To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : ( i ) The credit history, when available, of accounts designated as accountsthat the applicant and the applicant 's spouse are permitted to use or for which both are contractually liable ; ( ii ) On the applicant 's request, any information the applicant XXXX present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness; and ( iii ) On the applicant 's request, the credit history, when available, of any account reported in the name of the applicant 's spouse or former spouse that the applicant can demonstrate accurately reflects the applicant 's creditworthiness. 
The law allows for XXXX XXXX to use my credit history to determine creditworthiness, but it prohibits discrimination. Therefore, denial of credit due to credit history is a prohibited by law and a violation of my rights to equal credit. 

I believe that XXXX XXXX unjustly denied my credit application.
Product: Credit card or prepaid card

( XX/XX/2023 ) No one at company to talk to on weekend Received unapplied for credit card in mail Called and was referred to fraud department and they are closed on weekends
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a Brand New XXXX Vehicle from XXXX XXXXXXXX XXXX, my business with the dealership was finished and completed and I drove the car home, but six month later on XX/XX/XXXX XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report Twice in one day WITHOUT MY PERMISSION, and because of it my Credit Score went down XXXX points causing me damages. I have asked Experian Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File but nothing, they completely disregard my claim. Their behavior is abusive and a clear VIOLATION of The Fair Credit Reporting Act, which specifically states Hard Inquiries can not occur without permission XXXX XXXX XXXX does not have my permission to run my credit six months after my purchase.
Product: Credit card

I have a 15 year old credit card account with US Bank under the Cash+ rotating categories cashback rewards program and have kept my rewards categories unchanged for over 14+ months. Most recently, as of my last 2-3 billing statements my 5 % cashback at Electronics stores ( XXXX ) and XXXX XXXX XXXX XXXX ) have no longer been credited 5 % cashback for purchases. 

In the past 2-3 billing statements I have lost {$59.00} in cash back rewards for purchases, including a {$1000.00} purchase at XXXX with the same 5 % cashback categories that I have always kept on this account, the categories were never changed, as claimed in their previous letter response. 

See attached PDF for evidence and details about this complaint, there is clear and evident proof that both merchants XXXX and XXXX are both 5 % cashback categories and that I have earned 5 % cashback from purchases from them in the past, but for some reason in the past 2-3 billing statements all of that is no longer true for this account and there is an obscure negative rewards balance that doesn't seem to be accurate.
Product: Checking or savings account

I have three accounts with PNC and on XX/XX/18 I return from XXXX. We had money in our main joint account when checked on mobile banking app. At no point did it say I was overdrawn. If so we had additional money in another account. At about XXXX and email came to my inbox saying we was overdrawn my husband check account and we had already been charged XXXXfees for ATM FEES WHEN TRAVELING. We get the ATM fees back at end of month. Went in to downtown branch on XX/XX/18 and was told the same thing fees came from ATM charges and was told would be forwarded up to be reviewed. Was called back on XX/XX/18 and was told fees couldnt be refunded. We are never over on our account this is our second vacation and the first time the same thing happened and fees was refunded. We didnt get timeframe to transfer funds before charged. I dont feel like this is fair.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2021 XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 12. The followng information is incorect XXXX XXXX XXXX Account Number : XXXX Delete this account. 13. The followng information is incorect XXXX Account Number : XXXX Delete this account. 
14. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report. 

XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

It is noteworthy that both XXXX and XXXX have already purged these accounts from their records after identifying and correcting an error. I am puzzled by the continuation of verification for these accounts by your bureau when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft.
Product: Credit reporting or other personal consumer reports

Identity Theft due to Information being exposed in data breach XXXX XXXX, XXXX : XXXX, XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account at XXXX XXXX XXXX XXXX XXXX opened on XX/XX/scrub>XXXX XXXX XXXX XXXX  acct XXXX XXXX opened XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The mentioned collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been trying to collect money from me that I do not owe. I have been contacted by four collection agencies. Each time I receive a notice about XXXX in the mail from a collection agency, I reply within 30 days and explain to them why the debt is not valid. XXXX XXXX has reported the account on my Experian credit report. The amount is {$57.00} On XX/XX/XXXX I sent a dispute letter to Experian. On XX/XX/XXXX Experian sent me the report on the results of their investigation. They say that the information has been verified as accurate. All that Experian has done is verify the same FALSE information that XXXX XXXX is providing. XXXX XXXX thinks that I have an account with them because I purchased a phone at a retail electronics store and the store had a technical problem and could not activate the phone. The store let me return the phone and they refunded all my money. The store said they notified XXXX. This happened XX/XX/XXXX. Apparently the store either did not notify XXXX or XXXX did not get the information.
Product: Credit reporting

Telecheck recently reared its ugly, and lying head again. This time XXXX Ran my account through both XXXX and Telecheck, and negative information was reported. I have filed XXXX LAW ENFORCEMENT REPORTS, COUNTLESS AMOUNTS OF AFFIDAVITS THEY HAVE DEMANDED AND AS RECENT AS A WEEK AGO THEY CLAIMED THEY DELETED IT. AS OF FRIDAY, THAT WAS UNTRUE. I AM SICK OF IT
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen is reporting a debt I do not owe, this debt is past the statute and I no longer have to pay it. The account is # XXXX and I do not owe this debt.