23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, the rental company sent a final disposition more than 30 days after we vacated the property. The amount was disputed with the original Creditor and then turn over to a collection agency. On XX/XX/2023, a phone call was placed to the debit collector who advised me to send an email regarding the issue. An email was sent on XX/XX/2023 disputing the account. The collection remained on my account. I reached out to the agency again and was told they sent a debt validation letter to an addressed that we hadn't lived at in almost 8 years. They also had the correct mailing address as it was in the signature line of the emails sent. The collection agency was also forwarded emails of the dispute with the original Creditor and was aware that according to Texas State Law all dispositions and claims of money owed my be provided within 30 days of move out. The original Creditor did not provide final disposition until XX/XX/2023 and we moved out XX/XX/2023 therefore the debit is not valid. All emails were forwarded over to the collection agency as XXXX XXXX operates like an XXXX  or hotel with specific check in and check out times. There was a clear dispute related to the rental agreement as well with the land lord which stated month to month. Therefore the debit is invalid due to Texas State Law and the collection agency deliberately sent a validation of debit to an incorrect address when a correct address was provided to them in emails.
Product: Credit reporting

I had been disputing negative information on my credit report with the credit bureaus for over a year. In XX/XX/XXXX, I logged into my Credit Check Total account to review my credit report and noticed that Equifax had removed every single account from my credit report except for my dismissed bankruptcy and an account that had been illegally opened by my ex-girlfriend ( which is an account that I have been disputing both with the credit bureaus and with the creditor themselves ). 
I called Equifax and spoke with a representative over the phone and he had no idea what had happened or how to help me. He suggested that I send them a fax with a copy of my previous credit report that showed the information that needed to be re-added to my credit report. I had this information sent to them and it has been over 30 days since this information was provided to them. They still have not re-added these accounts back to my credit report and this has had a very damaging effect on my credit report. 
I do not know how this happened or what caused this to happen, however I would like for my good payment history and good credit history put back onto my credit report as I feel this is very unfair to me.
Product: Money transfers

We were scheduled to close on a house on XX/XX/2016 - all cash deal and have the money wired to the title company in the sum of {$540000.00}. On XX/XX/XXXX we had {$530000.00} wired from our private brokerage account XXXX who banks with XXXX wire the above sum to XXXX No : XXXX and {$8000.00} wired to the same account from Chase. XXXX got a red flag that this was a fraudulent account and stopped all wire transfers and nothing was wired. ( That account was flagged as a fraudulent account and this individual is a known felon and can not sue ) A police report was filled out on behalf of my husband and I and transferred to Detective XXXX. Case # XXXX. 

On XX/XX/2016, XXXX returned {$530000.00} to our XXXX account and we took out an additional {$8000.00} so we could close all the while being told by Chase that it would take a few days to return the {$8000.00}. 

Fast forward 3 weeks and XXXX & Chase keep pointing the finger at each other. The money has never left XXXX so I do n't understand why they wo n't return the {$8000.00}. XXXX is stating Chase needs to sign a Uniform Indemnification Agreement that will allow XXXX to release the {$8000.00} to us, however, if for any reason a lawsuit comes out of it, XXXX is not held responsible and Chase takes 100 % responsibility. Chase refuses to sign this as they do n't even have the money. My husband and I agreed to sign anything that we will not bring legal action to either bank. XXXX met with their legal team and they will not accept that. The case number for XXXX is XXXX. 

The people we have spoke to at XXXX are as follows : XXXX ( Fraud ) - XXXX XXXX - Branch Manager - XXXX ( go between us and legal ) XXXX - District Manager - XXXX The people we 've spoken to at Chase are : XXXX - Branch Manager where wire transfer took place - XXXX XXXX - Executive Director Market Director - XXXX We appreciate any help you can provide us in getting our {$8000.00} back. I appreciate your taking our situation seriously.
Product: Vehicle loan or lease

I applied for a mortgage with Ally Financial in 2020. I did not move forward with any of their mortgage products. However, for some reason, the mortgage company created an account in my name. This year, I signed for an auto loan with Ally Financial. I was informed after I initiated the loan that, because of a system defect, I would not be able to pay my bill due to that old mortgage account that they initially opened in my name. As a result, I am forced to pay my bill through their third party vendor every month, which is very inconvenient. Additionally, because I have to pay over the phone, I am forced to pay an additional {$4.00} a month. When speaking to their customer service representatives, they state that they will credit me the {$4.00}. However, this has not been done at all. I am filing this complaint to prompt Ally to grant me access to my own online account to manage my bills. I am also requesting reimbursement for the {$4.00} that I have had to pay for every transaction. As a result of my first CFPB complaint, Ally privately confirmed that the mortgage account was deleted. However, I still have no option to create an online account to pay my car note. I feel that I was tricked into this agreement with Ally financial because they did not disclose how inconvenient their payment process would be. There are numerous other banks that have the technology to allow customers like me to pay online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraud please remove it off my account at once as well as XXXX XXXX credit inquiry. I also have made police aware this has been an ongoing problem.
Product: Credit reporting or other personal consumer reports

Spring Oaks Capitol Debt if XXXX Tried to get it taken off my credit bc I didnt open the card
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i check my personal credit report which i required from XXXX. I noticed unauthorized credit inquiries and accounts had been made. i did not approve these inquiries or the accounts and they are fraudulent. i submitted a report XXXX XXXXXXXX XXXX and sent out letters to the bureaus to get the inquiries and accounts removed. however, i feel they are not taking it seriously so I'm submitting a report with cfcb now to see if they can help me fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I worked with XXXX XXXX  to obtain an application for a loan. The application was online. There was a step in the application that had a checkbox asking for consent to do a hard pull on my credit report. I unchecked the already checked box, logged out of the website and did not proceed to the next step of the application. On XX/XX/2020 I saw that they had submitted my application through Credit Plus, which seems to be a Maryland based company. Upon contacting  them with my dispute, after XXXX XXXX referred me to handle it there, they sent me a letter with my application enclosed stating it was authorized. I have been in contact with XXXX XXXX at Credit Plus but he has stopped responding. There was no consent by me for  this hard pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to notify you I am a victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to complain to the 3 bureaus through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX  XXXX .... Balance : {$1900.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} CREDIT CONSULTING XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Mortgage

XX/XX/2020 I have applied for a mortgage refinancing with XXXX XXXX, On XX/XX/XXXX I received a credit score from XXXX XXXX  from XXXX  stating that my credit score is XXXX however my XXXX  account states that my credit score is XXXX. My credit score is damaged because of the following error by Nationstar : Nationstar reported two missed mortgage payments but these are in error which Nationstar refuses to acknowledge. My escrow at Nationstar was calculated incorrectly because of errors in how they escrowed my account. I had a homeowner 's policy at XXXX. XXXX issued the wrong policy and Nationstar paid for the policy out of escrow. I had asked XXXX to change my homeowner 's policy to a less costly one however they failed to do so. By the time XXXX issued the new policy Nationstar paid for the new policy a second time. Therefore, my escrowed showed two payments and Nationstar refused to fix it and said that I had to wait until their adjustment period in XX/XX/2020. 

I was unaware that Nationstar and XXXX had erroneously issued and paid two policies. This happened over a several months. I learned by accident when I paid my mortgage on time. I got a notice that the mortgage amount had changed and I needed to pay more which I did immediately after learning of the error. When I inquired about the change in escrow I learned that Nationstar had paid for two homeowner 's policies in error. I also did not know that even though I paid my mortgage on time that Nationstar issued a credit event for missed payments? I did not miss a payment I did not know that the error they made in my escrow account had resulted in credit reporting errors until after my credit was damaged. I disputed the errors but Nationstar refused to take responsibility for the error. XXXX  was also not helpful in this matter resolving my disputed item.
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, 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 writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for engaging in sham investigations and failing to properly address consumer disputes. 
It is unacceptable that XXXX, as XXXX of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. 
Below, I cite three key federal laws under **15 U.S.C . ** that XXXX is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. XXXX failure to remove or correct such information violates this provision and harms my creditworthiness. 

XXXX. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. XXXX sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. 

XXXX. XXXX*15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. XXXX pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law. 

I demand that XXXX : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report.

2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.

3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.

4. Cease any practices that violate federal consumer protection laws, including sham investigations. 

If XXXX fails to comply with these demands within 30 days of receiving this, I will have no choice but to escalate this matter by pursuing legal action under the FCRA. I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of XXXX negligence and noncompliance. 

This letter serves as a formal notice of my dispute and a demand for immediate action. I expect XXXX to uphold its legal obligations and protect my rights as a consumer. 

Accounts to re investigate are in the attachments ( credit report )
Product: Debt collection

I recently reviewed my XXXX credit report and notice an account that said it was charged off as bad debt. The account reporting is Tomocredit Inc XXXX {$830.00}. I don't recall having an account with this company. I am requesting a debt of validation from Tomocredit Inc .
Product: Credit card or prepaid card

I had a problem with Self last year that wasn't fully rectified. They closed my loan account but I never received my money from that account. I was contacted by corporate saying they'd issue a check but they still have yet to do so. I requested that they put the money owed towards my balance I believe account # XXXX if they weren't going to send me my refund. I have them another chance this year account # XXXX. We are still having issues. I had my identity stolen and had to change checking accounts. I updated my account for some reason it didn't take it from the new account I provided but the old one. I have tried several times to call customer service to no avail. This is my only credit card that I've had issues with. Self is an amazing concept to help people build credit. But the communication is horrible with customer service. Honestly this should've been extremely easy to fix. I'm a XXXX XXXX XXXX  I don't have alot of free time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax, I am writing to dispute an unauthorized inquiry that appears on my credit report. I noticed the inquiry while reviewing my credit, having proof that my information was involved in a data leak, I know that these inquiries were made without my permission or proper authorization. 

The inquiries in question are as follows XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I contacted my loan servicer American Education Services to discuss my student loan, particularly debt settlement. They advised it was n't an option due to my various lenders. I asked for the name and contact information of the actual bank that owned my loans. A supervisor got on the phone and told me my loan is owned by XXXX National Collegiate Trust but they denied having any contact information for me. They said the most they could do was send me the promissary note. I think the servicer should have actually have to be able to provide me with contact information for the actual lender. They said they did n't even have a general phone number. I have n't been able to find one on the internet, so I have no way of being able to contact them. I requested the promissary note, but it has n't been sent. I understand that no one has to agree to debt settlement with regard to my loan, my issue is the lack of information and transparency.
Product: Debt collection

I owed {$75.00} for my iPhone and I was never contacted about my card never bring charge 2 years later. I get a call from a collections agency that my debt is now {$700.00} dollars. This is n't fair!
Product: Credit reporting or other personal consumer reports

I applied for a credit card from XXXX XXXX and received a letter informing me they needed " identity verification '' due to Equifax report. I called XXXX XXXX customer service and after listening to many recorded messages and being placed on hold I was finally connected to a representative with a very strong accent who informed me XXXX XXXX needed a picture identification, but I could not email it - I had to fax or mail a hard copy. 

I then emailed Equifax and XXXX XXXX leadership requesting an explanation as to how someone XXXX XXXX XXXX with a FICO of XXXX, former federal employee, who worked and paid taxes for nearly 60 years needed an identity verification. I attached my passport photo and information. 

Equifax customer service ( no name ) sent an email requesting a copy of Social Security card or 1099 and a driver 's license or utility bill with my name and address included. I sent a copy of my driver 's license and social security card which they rejected because it was not pdf format. I sent a third email with WP4 and gas bill. Equifax customer service then sent me an email informing me my credit score was low because I never had mortgages or revolving loans. 

I replied to Equifax and XXXX XXXX leadership with a print screen of my XXXX credit card FICO of XXXX showing 16 years as a card holder and a print screen of my XXXX credit card FICO of XXXX commenting that Equifax was incompetent and irresponsible and should not be providing fraudulent credit history data to financial institutions. 

I have had mortgages, auto and furniture loans and just finished paying a loan in XXXX of 2023. At 73 years of age, I planned on not having mortgage, auto or other debts at this point in my life as my retirement income is significantly less than the more than {$100000.00} annual income I made while employed. 

Equifax prevented me from receiving a XXXX XXXX credit card due to inaccurate credit history reporting despite having a FICO of over XXXX for many years. 

Equifax, XXXX XXXX and XXXX all use XXXX XXXX customer service representatives who do not have the cognitive ability to comprehensively investigate. And our highly confidential credit /financial information should not be shared haphazardly with these individuals.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Mortgage

I submitted a Request for Mortgage Assistance with my loan servicer Specialized Loan Servicing LLC ( SLS ) on XX/XX/2020. I received a Trial Modification Plan ( Original Plan ) on  XX/XX/2020. I fully complied with the Original Plan. On XX/XX/2020, I received the Permanent Modification Agreement ( New Plan ) that had none of the tems of the Original Plan of XX/XX/2020. In fact, all the tems were unfavorable compared to the terms of the Original Plan. I have not received any correspondence from SLS  informing me of failure to fulfill any terms of the Original Plan of  XX/XX/2020. Now, SLS refuses to perform and enforce the Original Plan of XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX  XXXX XXXX  are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.