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

COMPLAINT The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor XXXX XXXX, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. According to my credit report, the above account was noted as an repo. How can XXXX XXXX, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report. 
If this account is not removed within 30 days, I will hire an attorney and bring suit in the amount of {$5000.00}. This amount is {$1000.00} per each violation.
Product: Credit card

Hello I had got my credit report from XXXX and seen that my report had 2 inquiries with THD/CBNA. This was a fraudulent I never authorized for THD/CBNA to run my credit and I would like to get inquiries removed due to fraud. 
It shows THD/CBNA ran my credit on XXXX and on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent removal letters to each credit reporting agency for the last six months asking them to remove o hard inquiries from reports. In those letters I have explained that there are items that contains data taken directly from my credit report. Asked them t please delete the unconfirmed inquiries lacking certification evidence unless physically certified verified proof is demonstrated per US code 15 usc 1681 ET SEQ. section 604 of Fair Credit Reporting Act
Product: Mortgage

XX/XX/XXXX OnXX/XX/XXXX I obtained a first mortgage through XXXX XXXX XXXX of {$640000.00} on my house.
The mortgage was subsequently been transferred to other entities, and is now held by Select Portfolio Servicing ( SPS ). The company information is as follows : SELECT PORTFOLIO SERVICING INC. XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX CUSTOMER SERVICE : XXXX XXXX XXXX XXXX  www.spsservicing.com Mortgage payments to this company, and from the beginning of the mortgage to date, have never been late.
This servicer acquired the loan on XX/XX/XXXXwith a balance of {$540000.00} at an interest rate of 2.75. As of this date, the balance is {$330000.00}. The current interest rate is 4 % There is no pre payment penalty and additional principal payments have been made and applied to the loan over the past 3 years.
The initial monthly blended payment inXX/XX/XXXX was {$2800.00}. As ofXX/XX/XXXX the payment is {$2700.00}.
The servicer never provided an amortization schedule since acquiring the loan, and same has not been provided for the rate ( which has been adjusting upwards ) at its current level.
I believe the bulk additional principal payments have not been applied properly to reflect the interest calculation, based on the decreased overall mortgage amount and the remaining term.
Product: Credit card or prepaid card

Purchase a 1 year Service contract with a merchant in XX/XX/XXXX. Contract ends in XX/XX/XXXX, and merchant locks my account and disable me to get access to the service that I purchased. Submitted evidence to Chase to reopen my dispute. Yet, Chase ignore all the evidence that I submitted while provides NO EXPLANATION or FEEDBACK! They just closed my dispute case without any communication!
Product: Debt collection

They are committing fraud! They are trying too collect debt from me and they sold the debt to a collection agency which is fraud!
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 XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND TRANSUNION CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$550.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

there was a late payment reported XX/XX/2023 with my XXXX  account which the bureaus are reporting a late but after i fixed it as it was a mistake. XXXX  fixed the late payment status and updated it to current but the bureaus refuse to take my dispute and update my credit report to remove the late payment
Product: Credit reporting or other personal consumer reports

I have disputed this collection XXXX XXXX XXXX with the credit bureau over 3 times on XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year> I do not have a contract with XXXX XXXX XXXX and they did not provide me the original contract as requested Correction to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act, XXXX account XXXX ( XXXXXXXX XXXX ) and XXXX ( XXXX ) has violated my right to privacy. 

15USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have sent the original creditor and the debt collector a letter asking for a validation Verification letter due to this account being from XXXX and also due to the fact that had paid this card off with a XXXX dollar payment in XX/XX/XXXX and requested that this card closed. The next thing I knew I was receiving unprofessional and in appropriate messages from XXXX in regards to this debt but they had never been giving my permission to contact my phone through any electronic means but yet the continue to give this credit card negatively affecting my credit without giving me any information in regards to my XXXX XXXX XXXX XXXX  which was sent back to them in XXXX XXXX XXXX  and now have sold it to another debt collector who is just as unprofessional as them
Product: Student loan

I have tried on two separate occasions to correct an issue with the deferment of my loans. I am in the middle of my 4 year program and should have " In School '' deferment until I graduate with an addition 6 month grace period after that. As of right now, each loan has a vastly different deferment end date, loan repayment start date and loan end date. 

I first called MOHELA on XX/XX/XXXX at XXXX XXXX  MT, and after navigating the the automated answering service I selected to receive a call back. I was told that it would take roughly 2 hours for me to receive a call back. They ended up calling me back at XXXX XXXX  MT, the phone rang exactly one time and the call was immediately terminated at the end of that ring. I ended up calling back at XXXX XXXX MT to get back in the cue to speak to an agent. I once again selected to receive a call back, this time I was told that the wait would be over 2 hours. I finally received a call back at XXXX XXXX  MT, I explained my situation to the agent, they agreed that the issue was on their end and that the " In School '' deferment dates should line up for each of my loans. I was then told that this situation couldn't be solved by them and that my call would need to be directed to a Supervisor of some kind. I was once again put on hold and I remained on hold until well after XXXX XXXX  MT ( XXXX XXXX  CT ) which is when they close their office. So I was on hold for 5 and 1/2 hours that day only to be ignored until they closed. 

My second attempt at rectifying this situation was on XX/XX/XXXX at XXXX XXXX  MT. I once again navigated the automated answering service and was told that I would receive a call back in about 1 and 1/2 hours. I received a call back at XXXX XXXX MT explained my case to another Agent who once again agreed that the " In School '' deferment dates should all align and that a Supervisor would be need to solve my problem. I was told that I would need to be on hold for another 4 hours. Midway through the hold I was informed that an error occurred and that my call would need to be restarted. 2 Hours after that I was once again speaking with a new agent that was unable to solve my problem. They placed me on yet another hold to wait for a Supervisor to become available. At about XXXX XXXX  MT I was once again informed that an error occurred and that I would need to restart my call again. 

I elected to not call back again today because I knew that the MOHELA office was to close in another 30 minutes, not giving me enough time to solve the issue. All said and done I was on hold/waiting for a return call for 8 hours. This is completely unacceptable, especially when considering that I am calling to have a mistake that MOHELA made corrected. I do not know how a business can conduct itself in such a manner when the work they're dealing in can drastically effect the financial wellbeing of their clients. 

I have sent a direct message to MOHELA, and emailed their Director of Business Development & Government Relations, Federal Contract and Program Senior Manager and their CEO and have yet to hear back as of typing this complaint.
Product: Checking or savings account

ON Sat XX/XX/XXXX XXXXXXXX XXXX I RECEIVED A EMAIL FROM REGIONS ABOUT AN APPROVED PURCHASE OF XXXX DONE ON XXXX. I CHECKED MY BANK AND THE PENDING CHARGE OF XXXX WAS THERE. I DID NOT MAKE A PURCHASE OR AUTHORIZE A PURCHASE AT ALL. WITH THE XXXX CARD ON XXXX ON THE XX/XX/XXXX DATE. I DO HAVE SCREENSHOTS OF MY REGION ACCOUNT AND THE XXXX ACCOUNT. REGIONS KNEW THIS WAS A FRAUD CHARGE AND LET IT GO THROUGH ANYWAY. AT THIS POINT, THE REGION HAS NOT GIVE ME MY FUNDS BACK AND ARE HOLDING THEM FROM ME.
Product: Credit reporting or other personal consumer reports

Mariner Finance has been reporting inaccurate information to all credit bureaus stating the account is in collections and payment history is not up to date. The account is current and up to date and company still has ownership of the account
Product: Checking or savings account

On XX/XX/year>, I tried using my do it card at several locations to get gas. Upon noticing my card being declined on contacted my bank via phone. The representative told me I had a freeze on my account and I cant access my funds. Later that same day I went to an in person branch and spoke with a branch manager who said my account was closed with suspected fraud and that I wont have access to my funds until the investigation is closed. There is zero reason my account should be flagged for fraud. I am now broke with XXXX dollars to my name.
Product: Debt collection

Sometime during mid XX/XX/XXXX I was checking my credit score on XXXX XXXX when I noticed that both XXXX and XXXX both showed one ( 1 ) derogatory remark. When I looked both showed I was in collections for XXXX XXXX for {$110.00} by a company Diversified Consultants, XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. I assume this is also on the third credit reporting company as well. I found this odd seeing I have not had XXXX XXXX since XX/XX/XXXX. I know because that was when I moved and never used XXXX XXXX since. The service was ended on XX/XX/XXXX and I owned my equipment. Nothing was owed. I used the address provided on XXXX XXXX and sent a letter to validate the debt but never received anything. On the credit reports for both XXXX and XXXX they both showed that a account was opened on XX/XX/XXXX. What account? I did not open an account. I believe this Diversified Consultants are in violation of the Fair Credit Reporting Act. First they reported to the credit reporting companies that I opened an account with them on XX/XX/XXXX, which I did not. I believe they are re-aging non existing debt to appear that I opened an account with them. Second even if I owed anyone any debt, which I do n't, what they are claiming is past the State of Colorado 's Statute of Limitations for Debt which is six years for all debt. I checked today on XXXX XXXX and this was still there prompting me to file this complaint. I will also file a complaint with the Colorado Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX. The form of identity theft is aggressive and I have attempted to build a case with the Social Security office to potentially see if they could assist. I have been getting the run around for years and I am looking to regain control of my identity and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I received a message that one of my credit cards ( XXXX XXXX ) is over the limit.this information is incorrect the card is not over the limit. XXXX XXXX sent me this message. I tried to get online to dispute this wrong information with transunion but they wont let me online it kept saying error message and not able to complete my dispute. Having this wrong information has dropped my credit score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern with Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. I have been informed that recovering lost funds tracking these transactions is impossible. The CFPB 's findings have determined that XXXX has failed to protect its consumers and repeatedly allowed repeat offenders to exploit the system. this leaves consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises a multitude of concerns for consumer safety.
Product: Credit reporting or other personal consumer reports

An account under my credit for XXXX XXXX XXXX, total of {$330.00} was opened without my knowledge and I did not Open the account. This account was fraudulently opened under my name or background. I tried to dispute it multiple times it has affected my credit tremendously, and I need it taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is treating me unfairly. I am trying to legally change my date of birth to remove all old debts and false info which is affecting my ability to receive my USPS mail. They refuse to help me find scholarships and are not helpful. This is affecting my credit score. I think this school is suspect of fraud. 

This is a full time class. I need a large scholarship or loan to cover this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated
Product: Payday loan, title loan, personal loan, or advance loan

When receiving an " XXXX XXXX '' loan, customers are prompted to " Leave a tip ''. Consumers are provided with a tip recommendation of {$2.00}, and tip amounts range from {$0.00} to {$16.00} on an advance of {$100.00}. After selecting {$0.00}, on the next screen, consumers are prompted again to leave a tip and this time {$2.00} is automatically included in the transaction and as part of the total amount of the loan. Consumer has to remove tip amount to proceed without paying a tip. Consumer can also modify the tip amount as in the previous screen to an amount ranging from {$0.00} to {$16.00} on an advance of {$100.00}. On the following screen, customer is offered a " XXXX XXXX  '' for {$8.00} to send the loan to their account instantly ( versus 2-5 business days for free ). On the final screen, consumer finalizes the loan details. If a consumer selected a tip of {$0.00} on a loan of {$100.00} and did not select a XXXX XXXX, the total repayment amount due will be {$100.00}. The deceptive practice comes on the screen after the final loan screen which is titled, " XXXX doesn't grow on trees '' and again prompts consumers to leave a tip. Suggested tip amounts are {$0.00} to {$16.00}. At the very bottom of the screen is a " No thanks I'll tip next time button '' but right above it are the highest suggested tip amounts of {$10.00} and {$16.00} which have the largest button. A consumer attempting to skip this screen can accidentally hit one of the large tip amounts or automatically hit the {$10.00} tip amount thinking it is {$0.00} because this is the only screen that does not offer a tip amount of {$0.00} as in the other screens. Additionally, the term XXXX is deceptive because the loan is not instant unless the fee for the XXXX XXXX is paid.
Product: Debt collection

Fair Collection and out keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I check my credit report and see that they are reporting the collection on my report which is damaging my credit. I asked for a validation of yet to show that I had a contract with them, also I dont owe the money I stayed in the apartment for 3 years which is normal wear and tear and I turned the key in on the day I was supposed to. I also asked the rental office to do a walkthrough with me and they refused.
Product: Debt collection

I opened a loan to move XX/XX/2015 I ended up not moving never touching the money I got from the loan and made one full payment to key bank that account should be closed
Product: Debt collection

If you will notice this is the exact amount charged off by stage XXXX  I was under the impression it was gone XXXX this is why I didnt recognize it. It didnt show and then it did again. I realized this yesterday when they called me up harrassing me and demanding me to stay in the line even after I made it clear I was entering my job my job is stressful enough without XXXX XXXX men talking down to me This debt is OLD AND CHARGED OFF WHY THIS COMPANY IS HARRASSING ME NOW IS CROSSING THE LINE IN MY OPPINION IT SHOWED DOUBLE ON MY REPORT FOR AT LEAST a year or 2 for that alone it should be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was denied a personal loan to buy groceries due to XXXX XXXX  being the primary reason of rendering over the XXXX XXXX XXXX that was a lemon and the dealership/manufacturer refused to honor the new car warranty and swap out the new vehicle with a non lemon one without ruining my credit rating by running a credit application for a new car swap each time I inquired on a fix prior to a complete vehicle breakdown after a new starter and battery was ordered in which the car ran for 1 full day after XX/XX/XXXX fix then broke down completely with starter and battery wires burnt being the reasons for a non manufacturer new car warranty repair within only 4 months of financing the supposably new car. 
See prior CFPB.gov unresolved complaints and refer to attachments as a reference from complaints XXXX, XXXX, XXXX. 
The dealer received {$2500.00} bonus which was used as a down payment though my credit required none at the time of approval XXXX. After rendering over the vehicle, my vehicleinsurance policy paid nearly or over {$2000.00} to XXXX XXXX  for additional gap coverage that was in addition to the bill of sales gap coverage inclusion. My car payment which was only XXXX wasn't due upon being rendered over for auction and wasn't past due. XXXX XXXX shouldn't have anything but a positive rating on my credit. The bank received the car, gap coverage money from the insurance company and they sold the vehicle within 2 months time of rendering. My credit rating and outcome of a severely needed grocery/personal medical hygiene/cleaning product loan approval shouldn't have been declined due to their retaliation and/or misunderstanding of how to notate my closed account to rate my credit history properly with valid balance information which should be and is {$0.00} balance, paid on time. They picked up the vehicle in a timely manner no requirement for me to pay the 1st car payment should've been my responsibility.
Product: Debt collection

NCB management is listed on my credit profit as a collection and the original debit creditor which is false information. XXXX XXXX which I received a car loan from is the original creditor. My issue is by placing this account in collection the debit will be listed on my credit for more than the 7 year maximum time frame.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX, 2023, I fell victim to XXXX multi-layered scam operations run by group of scammers, which involved me making deposits for a total amount of XXXX USD from my Northwest Bank account to fraudulent investment firm ( s ).
Product: Mortgage

Nationstar hired XXXX XXXX, and they broke into my home and caused damage under the guise of property preservation and winterization. Nationstar knew the house was already winterized. They allegedly left the door they broke to my home open to the elements for 6 months and damaged door lock assemblies throughout, as well as tampered with my water pump in the basement which required servicing to repair by a professional.