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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Disclosure Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  * Account Number : XXXX * Last 4 Digits of Card Number : XXXX * Account Opened : XX/XX/XXXXXXXX XXXXXX/XX/XXXX * Account Closed : XX/XX/XXXXXXXX XXXXXX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Checking or savings account

I closed my account with PNC and instead of closing my account PNC allowed automatic payments to continue to withdraw my account when I had a XXXX balance and PNC overdraft my account. I paid again and found a reversal charge of {$38.00} plus a overdrawn charge of {$36.00}. PNC intentionally overdrew my account because I decided to leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PAYING UNDER A PARTIAL OR MODIFIED PAYMENT AGREEMENT Loan was modified and successful repayment was completed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX These accounts are reporting inaccurately. REMOVE THEM IMMEDIATELY. It's damaging my credit and ruining my life!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information regarding the account referenced above. Please verify how this account is being reported accurately on my credit report or remove it immediately. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request accurate reporting as a consumer. 

Additionally, the account is marked as " transferred, '' indicating that it was sold to a third party. I was never notified of this transfer, which raises questions about the lawfulness of these business practices. Furthermore, I do not recognize the payment history being reported, and the date last active has been re-aged, with inconsistencies across all three credit bureaus. 
REGIONAL FINANCE XXXX
Product: Debt collection

I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX. I've contacted ALL 3 credit bureaus, XXXX   has completely removed this from my credit report. However, XXXX   and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals XXXX   XXXX , XXXX XXXX- XXXX, XXXX vs. XXXX XXXXBy allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX   COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. XXXX AND EXQUIFAX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH XXXX AND EQUIFAX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. Consumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR XXXX SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED. 
It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.
Product: Student loan

On XX/XX/2022, I learned that XXXX and its subsidiary EdFinancial, had a data breach between XX/XX/2022 and XX/XX/2022. On XX/XX/2022, I called EdFinancial and customer service was unable to determine if my data with EdFinancial was breached and/or stolen. I strongly believe my information, including but not limited to, my name, my address ( es ), and my social security number, were compromised and stolen. On XX/XX/2022, my name, address, and social security number was used to open numerous money accounts ( checking accounts, prepaid debit cards, wire and ACH transfers ). This activity occurred for several days. These incidents were reported to the FTC and CFPB and local law enforcement. No communication has been received from XXXX and/or EdFinancial on the data breach. 

On XX/XX/2022, I received a letter from the CFPB stating " some of the information provided suggests that someone other than you may have submitted the complaint without identifying themselves. '' This letter is in reference to complaint XXXX. This was me. EdFinancial, through their Customer Service, has not been able to provide information about my identity theft from their failure between XX/XX/XXXX and XX/XX/2022. My account with EdFinanciaXXXX is XXXX.
Product: Credit reporting or other personal consumer reports

I do not have financing with this business and the inquiry is on my credit reports. 
Company : XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, MI XXXX Phone number : ( XXXX ) XXXX Company : XXXX XXXX  XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Company : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Company : XXXX XXXX ( XXXX XXXX Bank ). Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Company : XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, XXXX NO Phone number By mail only Company : XXXX XXXX XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I requested the contract containing my signature, that shows any disclosure being shared with me as to any actions that were to take place at all stages of the agreement and thereafter. I also requested for the information that was not disclosed to me and agreed by me to be removed from my consumer report. I requested that all information containing credit transactions with regard to any particular creditor or debt collector be removed as it is not to be shared accept were allowed within certain circumstances according to US Codes. I requested were disregarded, and all information remains in my report, even though I have disputed this information for the last two years and it has always came back as being verified and allowed. I have shared with them the US Codes pertaining to my complaint and they were also disregarded as if these companies know that nothing will happen to them even if they commit fraud and identity theft to make money by way of a consumer credit transactions using my social security number, which is a credit card according to 15 US Code 1602 ( l ). I stated to them that they were intentionally overlooking these complaints because if they were corrected as required by law, that this would affect their ability to make money from an account that must be removed. This knowingly and willful fraudulent activity should not be allowed. This is why the Fair Credit Reporting Act was created. And it is amazing that because they are a big corporation, they are allowed to get away with fraudulent activities, but if an individual commits fraud, even by accident, they are held accountable and put in jail. This causes the people to lose faith in the banking system and will at some point be the downfall of the banking system if it is not corrected.
Product: Mortgage

I originally filed complaint number XXXX against Select Portfolio Services, and their response, which I disputed, contains some outright falsehoods and misrepresentations : In the first part of SPS 's response, they said since they are only the servicer of my account, they could not respond to any allegations regarding origination. Why did it take so long to tell me this? And why are you responding to my right to rescind? In which response you say that my loan originated XX/XX/XXXX which it did, but my right to recision is based on a modification done XX/XX/XXXX, which is well within the 3 year limit. 
SPS also alleges that another lien was not paid off in the modification ; the fact that this collecting of funds XXXX used to pay off XXXX XXXX without my knowledge or consent was not disclosed in the modification is a major part of my complaint ( which SPS says is not their responsibility to respond to XXXX. I have ordered the following from XXXX Mortgage : Copy of Payoff Request from XXXX ( which I never authorized ), a copy of the payoff letter directed to XXXX, and a copy of the payoff check from XXXX and a copy of the release of lien sent to XXXX. As soon as I receive these I will forward to CFPB. 
The above is in response to SPS 's non-response. 
I have also registered a complaint against XXXX.
Product: Mortgage

XXXX XXXX  is who we were with until XX/XX/2021 that's when we got our notification in the mail that they were selling our Mortgage to Freedom Mortgage starting on or effective by XX/XX/2021 Freedom Mortgage will become our new service provider of our Mortgage. I have tried and tried to call and get a new Account number to pay our Mortgage and they say they don't have one for us yet. And that it could take awhile to get us one. NO NO that doesn't work for us. Both of these Mortgage Companies are breaking Laws Period. First we Never got a reasonable notice of transfer of our Mortgage with Homepoint under 15 days Not Legal at all. and then our new Mortgage Company Freedom doesn't want to give us a new account number so we can pay our XXXX 's Mortgage payment now. They said it could take awhile to get into the system No Way can this be Legal to Not Take a Payment from a New Customer or to Not provide us with a new Account number at all is it? How come wee can't pay on our Mortgage Now or even get an account number from Freedom Mortgage at all? 
In 12 days they could show us as we payed Late. We have NEVER paid Late. In fact our Mortgage has always been taken out Auto pay on the XXXX day of the month for 10 years. 
They will not give us an opportunity to pay on our Mortgage at all. Please HELP us in this matter in anyway possible to get resolved. Thank you.
Product: Debt collection

On XX/XX/2017 I had a scheduled appointment with my XXXX, I had previously had a XXXX XXXX done by her ( which that portion was paid in full ) and was going to get a XXXX  XXXX. 

I called three weeks prior and spoke to secretary ( I have names of everyone involved ) about my XXXX insurance changing from XXXX XXXX to XXXX XXXX and that I wanted to make sure that they accepted that insurance because if not I would have to cancel and get the XXXX  from a provider under my new insurance. I gave XXXX all of the information on the new XXXX   insurance and was contacted back and told yes I was covered and they accepted that insurance. 


The day that I went for the XXXX, I walked out to the desk as I have done at each and every appointment and secretary who was filling in for normal secretary told me that there was no bill left. Every time time prior to that I would have a procedure done and would pay right after. I have total prior to this have spent well over {$3000.00} at this location and have bank statements to prove, in addition my children and husband have been, my child had a XXXX XXXX   and I paid the remaining ( after what insurance was paying ) the same day. Fill in secretary said that she would let secretary know my concern and when she was back in the office she would give me a call. 


The very next week secretary did call me, she called to let me know that my insurance was not covered, that she goofed. She told me that she would speak to the XXXX and would return my call. I explained a XXXX with insurance through my new insurance was pennies compared. secretary called a couple days later and told me that they would charge me what I would have paid through the prior insurance, that being {$480.00} I told her that this was their fault and they should charge me what I would be charged through my new insurance because I would have simply gone somewhere else. Again she told me she would call me back. A week went by and she called back and left a voicemail that they would " take care of the bill '' Now it has gone to collection, on top of that they sent {$9.00} for my husband to collect under may name as well, which should not be a charge at all because all of our XXXX  and XXXX with the old insurance was all preventative and NEVER charged. They also had a credit under my children that they used for my husband that we NEVER knew about. 


On top off all of this I NEVER received a bill until I fought it with credit monitoring site and marked it as a dispute. Last week they creditor sent me the bills an everything. To say the least I am not happy. This is not ok. I would have never went back to her, I have ALWAYS paid every bill to her the day of service. 

Now they are trying to collect {$480.00} for what they say I owe, {$140.00} for collection fees, and my husbands {$9.00} which if we were told at the time and actually owed it we would have paid for my husbands bill.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX NYS DEPT.OF SOC.SVCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion. I have disputed charges from XXXX XXXX XXXX for over 7 years. I've included proof to XXXX but they have failed to address problem. Since it is now over 7 years I am requesting TRANSUNION Credit Bureau to remove as it should have automatically been removed. THANK YOU
Product: Mortgage

I have been a victim of predatory lending from XXXX who has subsequently sold the loan to XXXX XXXX XXXX ; who has passed the loan to several servicers including XXXX, XXXX and Carrington Mortgage. This Loan started at 9.875 % and is currently 11 % as of XX/XX/XXXX. I have made several attempts for loan modification of which they have denied because I continued to pay. Since XX/XX/XXXX, I have stopped paying this high Interest predatory loan. Currently, XX/XX/XXXX claims to own this loan but has no proof of the promissory note. I am currently in litigation with XX/XX/XXXX because the Loan is approximately 8 percentage points more than fair market value. I am unable to continue fighting this predatory mortgage company and need help in refinancing to get out of this situation.
Product: Vehicle loan or lease

Vehicle loan # XXXX I refinanced my vehicle with my local bank in which a check for over XXXX was mailed off on XX/XX/XXXX. I called serveral times, for Kia Motors finance to tell me it was never received. I was informed on XX/XX/XXXX by KMF to stop pay and issue a new check. My original payment was due on XX/XX/XXXX so to avoid any negative impact on my credit I made my regular payment. A new check was mailed off and received by KMF. I was informed by my bank XXXX XXXX  that the check was cleared and cashed in XX/XX/XXXX. I called KMF to confirm. They informed me it would fake 3-4 days for processing to take place and I could expect a letter for the payoff. I called two week later and spoke with 3 different managers to be told that payment was not applied and again it would take 3-4 days for the payoff and a letter would be generated. I received a letter from XXXX XXXX  stating the title has not been received and I have 90 days to submit from the date of my loan which is XX/XX/XXXX. I called KMF again on XX/XX/XXXX to be told the same information payment has not been applied and they would submit another request. 
They have yet to report any payment to the credit bureaus. In fact they added on to my original loan amount. I cant seem to get anywhere with this company in doing what needs to be done. They are doing unfair practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX CARD CREDIT CARD Account XXXX reporting a credit card on my credit report please inmediately remove the aforementioned account from XXXX, Transunion and XXXX. That information is incurate the info is inacurated and it was ruled out by the justice department of XXXX XXXX by judgement by XXXX XXXX XXXX XXXX on XX/XX/year>. Court case or file number XXXX XXXX SHOULD REMOVE THE ACCOUNT FROM MY CREDIT REPORT INMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment as an authorized user on a XXXX and XXXX card I never opened or authorized to be added to. This was done fraudulently. I reported this to the company and asked this be taken off of my credit. There is a XXXX balance on the card and the company still refuses to help. As a consumer I was never given the option to opt out. This was done fraudulently and I want this late payment removed from my credit reports immediately. I am attaching Law 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit card

Main Issue - I have asked Best Egg to quit calling me at work at least twice. They have continued to call. The last time was today, Wednesday XX/XX/. They talk to the switchboard operator, they talk to my co-workers, stating that they are with Best Egg, trying to reach me, and then leave me voicemails. Today 's voicemail was from XXXX was at XXXX in the afternoon. I am sure my co-workers can figure why they continue to call. 

Side Issue- I have a medical issue that has caused me to a financial hardship. I called Best Egg requesting a lower payment and lower interest rate while I try to get caught up. They refused to help, stating they have no programs available.
Product: Payday loan, title loan, personal loan, or advance loan

My loan has been matured for a long time now. Yet I'm getting hundreds of dollars in fees. When I talk to them about this sometimes they say it's late fees. When the statement clearly shows no late fees applied. All it says is fees. I'm always told something completely different when I call. This is an on going problem and has been for over a year. I have paid all interest in full and should be paying purely on principle.
Product: Vehicle loan or lease

I was denied credit for having an extended credit alert on my credit profile. My credit report states that I must be called at my cell phone ending in XXXX before extending credit to me. I never received a phone call yet I was denied. Bank of America claims to be an equal opportunity lender, yet I was not given an equal opportunity to be extended credit.