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

On XX/XX/2022 I sent a certified letter to Equifax to dispute the inaccuracy of my consumer report requesting an investigation on all listed accounts in question and also verifiable proof. In return I did not receive any verifiable at all. At this time I have also sent letters to all furnishers in question. In accordance with the Fair Credit Reporting Act my privacy and rights have been violated. I demand all accounts on my consumer report be deleted Ohio Department Of Human Services XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 1a 2 ( A ) ( i ) 15 U.S.C. 1681 SECTION 602A states I have a right to privacy 15 U.S.C. 1681 SECTION 604A also states a consumer reporting agency can not furnish an account without my permission.
Product: Debt collection

i submitted my original complaint on XX/XX/24 and the company responded on XX/XX/24 with information about the account in question. I ask to be shown

the Purchase agreement, this is what proves they own the debt and that also proves that the debt in question belongs to me without that everything is hearsay. The provided Letter that comes in the mail that they send out to show how much the debt is and how to pay etc that is not the purchase agreement. so again... this company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also so i may review to see if this is actually an account that belongs to me!

# XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

b/c i moved several time bc of civil right violation i had to get this from the bank should clear the XXXX XXXX XXXX XXXX hipp violation sent to Equifax
Product: Mortgage

OCWEN Loan Servicing failed to notify me of a decision, or anything, regarding my request for a loan modification, nor have I heard from Ocwen directly of the need for anything other than what they requested, " a complete application packette. When I last spoke to OCWEN, on XX/XX/2017, they stated that documents were needed that they did not make me aware of prior to my call. Ocwen suggested I send nothing in at this point that they would procede with forclosure of my home on XX/XX/2017 @ XXXX XXXX. I have no idea what the status of my Modification is and have not heard fromm OCWEN since I contacted them on XX/XX/2017.
Product: Mortgage

Veteran trying to modify loan, started XX/XX/XXXX, was using XXXX XXXX XXXX benefits but amount is more since goes to school but bank wants EXACT! Have explained and fax and explained and email and still dont listen. Took of school va benefits and used XXXX  job pay stubs on XX/XX/XXXX changed the RMA form and faxed and emailed, always an excuse that cant read so emailed. On phone today XX/XX/XXXX for an hour, talk to rep at loss mitigation, then asked for supervisor was rude, so asked for someone higher, explained same information, was rude also, asked for someone higher left me on hold, re emailed again since keep saying fax no good! As a veteran, just trying to save home, this is the worst bank and is harrasment! So will keep complaining till someone will handle this account, veterans have resources but if bank can not read and rude reps something needs to happen!
Product: Credit reporting or other personal consumer reports

My decision to exercise my rights under the provisions of 15 USC 6802 of the GRAMM-leach Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 

I hereby formally opt out of any and all authorizations.

Whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my non public, personal information with non-affiliated third parties including the consumer reporting agencies for any purpose. 

I wish to exercise my rights to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 

documents are attached below
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a payoff quote from XXXX for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX because the payment from XXXX  looked like it had still not been processed by XXXX & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from XXXX and on XX/XX/XXXX I called XXXX again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by XXXX. I called XXXX on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from XXXX  by XX/XX/XXXX and they received payment from XXXX  on XX/XX/XXXX. XXXX opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. This is absolutely egregious. XXXX is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. XXXX 's phone number is XXXX. I have attached our XXXX  cell phone records that reflect the calls I made to XXXX on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at XXXX properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In our address information : a ) The XXXX, NJ address was our OFFICE ADDRESS, and we sold that business in XX/XX/XXXX ... 14 years ago. Please remove that address at once. 

b ) The XXXX XXXX, NY POST OFFICE BOX address was closed in XXXX ... 13 years ago. It, too, must be removed at once. 

Kindly respond in writing acknowledging the adjustments. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXXt Account  XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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
Product: Debt collection

I am not liable for this debt with XXXX and do not have a contract with Jefferson Capital. They have not provided me with the orginial application like I asked. On XX/XX/2018 ; Jefferson Capital began reporting a negative account balance on my credit reports for {$520.00}. I have asked that XXXX dispute this information and remove it from my report and they they have failed to do so. I have disputed the account information with the business and requested information related to this debt they claim I owe and I have not been provided anything that proves that I owe this debt. I have never did any business with Jefferson Capital and do not acknowledge owing them any money.
Product: Prepaid card

Card was used that was fuard and could not get anyone on the phone to help was texted someone would be with me which never happened could get no one on the phone and never got money back along with fees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, and Transunion are reporting information on my consumer report that is not only inaccurate, but I never gave permissible purpose to do so. They are violating my federally protected consumer rights and making it difficult to extend credit.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. The XXXX XXXX XXXX XXXX account ending in XXXX is a fraudulent account and is to be removed from my credit report and file immediately. The account was disputed and removed from my credit report in XX/XX/year> for fraud. It is against the Fair Credit Reporting Act to re-insert inaccurate information on a report that was not authorized by me the consumer. The XXXX XXXX account ending in XXXX is also a fraudulent account and is to be removed from my credit report and file immediately. The addresseXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX are also to be DELETED from my report as I have never lived at these addresses and they are NON-MAILABLE ADDRESSES. Please see attached FTC Identity Theft Report.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, XXXX XXXX  I reached out to CRA to confirm dispute my request Mortgage payments duplicated as debt and lowering my credit score. CRAs reporting the XXXX XXXX Mortgage informed them I was XXXX days late on my mortgage as of XX/XX/year>. I informed them and provide documents the Loan was transferred to another Lender and it was not Late and XXXX informed me I never missed any payments with them. XXXX  Days Later all XXXX Credit bureaus are reporting the same information and refuse to remove inaccuracies. XXXX and equifax verified my request but XXXX Representatives asserted they verified an account with XXXX when XXXX confirmed to me an alleged account had been sent to collections. I Informed the CRA 's with uploaded documentation of disputes with XXXX various collection agencies alleged to collect on behalf of XXXX, neither responded to my requests for Validation of alleged debt per FDCPA ( 15 U.S.C. 1692g ( a ) ( XXXX  ). ), XXXX consistently provided me inaccurate information. On hold XXXX minutes and never transferred to a Supervisor as requested. dispute number for my recorded was not provided upon request.
Product: Mortgage

I got sick and could not work for 6 months. Wells Fargo would not work with me. They had XXXX their " Home Preservationist Specialists '' work with me. In the meantime, I was back to work and paying them XXXX $ payment, which is XXXX more a month than my payments were. Also paid them every 2 weeks. So, XXXX $ a month.They sent my checks/payments back into my account. I was told all kind of rhetoric by Wells Fargo. They wanted full payment of XXXX XXXX They were not satisfied with XXXX every 2 weeks. What was I supposed to live on if I sent them payment in full? They did n't care. Then they repossessed my house. Now, they are going to kick me out, along with my son. This company is so unfair. Even when I was able to make my payments on time, I paid them extra every month so I would be able to pay the loan out faster. They did n't care about that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint againts Cash App ( CLock, 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. Futhermore, their dispute resolution process was unfair and deceptive as they did not comply with wrror resolution requirementd under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Theses actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2018 I requested an increase on my Walmart card. My current credit limit is {$210.00} I've asked for an increase as low as {$100.00} as high as {$500.00}. I was denied the increase stating that my credit it's not good enough. They advised me 5hat they get credit info from XXXX. On that date I checked my credit score with XXXX and was told my score. My credit score on XX/XX/2018 was XXXX. Walmart is telling me it is XXXX.

I asked them to please reconsider and they told me they will open up an investigation to look into it to call back and 30 days. I called Walmart credit card services on XX/XX/XXXX to find out what happened I was told that the denial still stands. They can not tell me what the reason is but will send out a general letter stating it could be delinquencies on my credit, credit score too low or something in that general description. I asked if they could please give me in detail what is keeping me from getting the increase they refused to. I don't know if they're looking at someone else 's credit score and credit history or it's just outright discrimination. I owe nobody I make {$60000.00} a year and I have no delinquencies my credit score has gone down to XXXX because of interests of re lfinancing my home. I would like to know what is wrong with my credit to keep me from getting an increase. Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX XXXXo check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Product: Mortgage

My mortgage loan was recently transferred to 53 Bank back in XXXX. Ever since I've had multiple issues with payment allocation where I request the payment to be applied to the payment schedule but it is applied entirely to the principal. This has happened 3 consecutive times in the last 3 months where I make a payment online and the payment is misapplied. This requires extra time going online and having to wait for a representative to submit a formal request to reallocate the funds. This is the worst servicing company of the XXXX I've had to deal with, they won't even allow you to set up recurring payments unless you have an account with them... This bank should not be allowed to service mortgages if they don't have the proper systems in place to do so.
Product: Credit reporting or other personal consumer reports

I have been working to get my Credit Utilization Rate ( CUR ) under 30 %. I recently paid off 2 credit cards this past month and also paid others down. My credit score DROPPED XXXX points. 

I paid off my home in XXXX  and my credit score dropped over a XXXX points which caused me to not be able to purchase another home because my score was too low. This is very unfair. 

When I contact the credit bureau I am told.well you paid off your oldest account and there is nothing we can do about it. 

NOW I am paying down my Synchrony Lowes account ( 2 days ago my CUR was at 21 % ) and I received a letter yesterday stating they are lowering my limit, which is going to, AGAIN!!, make my credit score go down. XXXX XXXX XXXX was at 21 % CUR. Now my score will drop AGAIN because my CUR is now going to be at 96 %. My balance on the card is {$360.00} and they lowered my limit to {$380.00}. The limit prior to this letter was {$2000.00}. I have NEVER had a late payment on ANYTHING on my credit reports. My XXXX is 14 %. 

This is just a way for XXXX XXXX to make additional money off consumers to raise interest rates higher because I can never get my score up. 

I am a XXXX XXXX XXXX for a bank! 

Consumers are being punished financially but there is no wrongdoing on the part of the consumer! The letter I have attached states one of the reasons is " The percentage of times payment was greater than the amount due on this account over the last 12 Months is too low. '' Well I have proof I Since I have used my card ALMOST every payment was much great than the minimum payment required. There are also several months that I made more than one payment. 

The letter also states Key factors that adversely affected your XXXX XXXX : No Open Real Estate Secured Loans In Your Credit File Too Many Bankcards With High Balance Compared To XXXX XXXX. Well how am I going to get a XXXX XXXX XXXX when I penalized for paying stuff down or off?? My score is so low due to paying stuff down that I cant even get a real estate loan. XXXX many bankcards with high balance compared to credit limit!! They literally just lowered my limit so I am at 96 % Credit Utilization rather than the 21 % I was JUST AT. This is ridiculous. How can anyone move forward if they keep changing the limit or lowering your score for no apparent reason! 

When will XXXX XXXX and Credit Bureaus be regulated so they cant do this?! Where are the guidelines for our credit scores? I see nothing anywhere about a guideline for score increases and decreases. It should be a point system. Such as..do this your score will go up this amount of points or down this amount. 

The credit bureaus are just doing whatever they want with no rhyme or reason and consumers are paying for it ..literally! 

There needs to be regulation. THIS IS UNFAIR!!!!! 

I am a single woman raising my grandson alone. How can I ever get ahead.!?! 

When will something be done to help consumers who are moving in a positive direction and haven't done anything wrong???
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent some letters almost two months ago to the credit bureaus and they are disregarding a regular consumer dispute. I have been sending letters before this and i still have not received no response. 

Today is XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from credit cards such as XXXX XXXX, XXXX ;  which im not even sure what or who that is etc have been added to my profile. Again, please help me get this matter under control. 

.
Product: Credit reporting or other personal consumer reports

Credit Burearu Equifax and Experian refuses to remove debt from my report more than 5 years. Receiving harassing calls from different collection agency for the same debt. Receving notification from that my ssn has been comprimised
Product: Debt collection

On XXXX XXXX, I paid an amount of {$500.00} to Municipal Services Bureau which was the amount owed at the time. I looked at the account 4 days later and it said I owed {$3.00}. When I called to ask what this charge was they say it was an interest charge that accrued on the XXXX of the month. I called to have them rectify this since I paid the full amount due on the XXXX and they told me that management would reverse it. It still has not come off of the account and still shows up on my credit report. I requested it be reversed and that they send a paid in full in full statement.