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

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Your agency is in violation! 
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

In accordance with the Fair Credit Reporting US DEPT ED account # 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
Product: Student loan

I received an email stating my loans were due in XXXX. I just graduated in XXXX and the last time I talked to Mohela, they confirmed they would be deferred until 6 months after graduation. I am unable to create an online account for Mohela, because it states my information ( ssn, birthday, last name ) is not in the system. I have tried to go to the student loans website to unlock my account but there is no account, as they can not seem to find my info at Mohela. I have called over 15 times since the beginning of XXXX and have waited on hold from the time they open until the time they are closed. I have sent emails and did not receive a reply back, and received XXXX generic email telling me to call. I am behind on my student loans because I cant pay on their website and I need them deferred, I am on maternity leave until XXXX and just graduated. They told me last year my loans were deferred until XXXX. I can not reach anyone through email or phone about this issue.
Product: Credit reporting or other personal consumer reports

I am disputing several fraudulent accounts and unauthorized inquiries on my credit report, all stemming from identity theft incidents that occurred, many while I was a minor. These accounts were opened fraudulently using my personal information, exacerbated by my inclusion in the XXXX data breach. Despite my efforts, discrepancies persist, leaving me vulnerable to further financial harm. I demand the immediate removal of fraudulent accounts and inquiries, as well as a thorough investigation into the matter. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I want this FRAUD ACCOUNTS removed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to XXXX, Transunion, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. Thank you!
Product: Credit card or prepaid card

Synchrony Bank and XXXX XXXX  are reducing credit limits arbitrarily, thereby making credit card usage appear higher which negatively impacts credit scores which increases interest rates. This is causing consumers to spend more in interest to purchase cars, housing, etc. 

The accounts I have with both these banks have NEVER had a missed or late payment. They are using some computer generated model to determine a persons credit worthiness and they then reduce the limit or close the account with no notice to the consumer, which is an entirely unfair practice. 

The file I attached shows how XXXX  listed my credit limit decrease immediately before my credit use increase, even though I had not used that card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPEDXXXX   and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 10 ; 11, 13, 14, 16 and 21 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the credit reporting agencies ( XXXX, XXXX, and Experian ) my FTC reports regarding accounts from identity theft. I am demanding a BLOCK and REMOVAL of these accounts pursuant to 15 USC 1681c-2 that states a credit reporting agency shall delete information from the consumer 's file that a consumer has identified information that resulted from identity theft, no later than 4 business days. The following accounts are still being furnished on my consumer report that have resulted from identity theft : XXXX. XXXX & XXXX - XXXX, XXXX & XXXX XXXX XXXX, XXXX. XXXX XXXX - XXXX, XXXX. XXXX XXXX - XXXX. 

The credit reporting agencies are in direct violation by continuing to furnish these accounts pursuant to 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XX/XX/XXXX Ford Motor Credit Company Customer service Credit dispute department XXXX XXXX XXXX XXXX Ohio XXXX Dear Ford Motor Credit Company, I am writing to address a recent issue regarding a late payment on my XXXX XXXX XXXX XXXX. I apologize for the inconvenience and want to provide context for the delay in payment. 
Unfortunately, my XXXX XXXX XXXX  account was flagged and hacked, which prompted me to take immediate action to secure my finances. As a result, I had no choice but to close the compromised account and open a new one with XXXX XXXX XXXX. During this process, I was assured by XXXX XXXX XXXX  representatives that my direct deposits, including payments to Ford Motor Credit, would seamlessly transition to the new account for the next six months.

However, it has come to my attention that this transition did not occur as expected, resulting in a delay in the processing of my payment to Ford Motor Credit. I understand the importance of timely payments and take full responsibility for ensuring that my financial obligations are met promptly. 
I want to assure you that steps have been taken to rectify this situation, including updating my payment information with XXXX XXXX XXXX  and setting up automatic payments to avoid any future delays. 
I value my relationship with Ford Motor Credit and am committed to maintaining a positive payment history. I appreciate your understanding and cooperation in resolving this matter promptly. If there are any additional steps I need to take or if you require further information, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX last month after informed the Credit Bureau of prior identity theft securirty issues Ifroze my account. ( XX/XX/XXXX ). It was told several. times by the CreditBureau that my identity has to be verified first if any review in any reveiw inquires. I also informed all companies that my credit privacy protected under the Disaster Protection for Workers Credit Act of XXXX needs be an obeyed law. Several NY Real Estate Companies without my consent stated they can by pass that and I have documentation that it caused several ( 25 point loss- in total 5 in the oast month and more if starting all the way when Covid 19 began and at that time I had been sick with it. I also have documentation that from XX/XX/XXXX I was vacated out of my apartment due to fire disaster by the XXXX XXXX and placed in a shelter where I still am. 

I am a full time XXXX XXXX XXXX  in the XXXX and will be in 3weeks XXXX in person and desperately need to find an apartment for health/safety /no reexposure to Covid. I. have applied to apartment near my XXXX  and they need my score to be XXXX which it was before Covid and they are holding the applciation open for me until Friday XX/XX/XXXX as I never expected to be violated like this and my score plummet wihich is also against the Disaster Protectioin Workers Credit Act of XXXX. I also paid in full the three accounts in negative and askng for this emergency request.. If I dont get this apartment I may quit my job I had for 10 years because I. refuse to be at health risk living at this shelter/put children and other staff at risk. Here below are the unarthorized : 1.XXXX XXXX XXXX XXXX via XXXX XXXX ( did not authorize and they also threatened me and I making a police report on Friday XX/XX/XXXX as this is the first I am back in XXXX after visiting family. ( illegal tenant screening and fake application signage ) XX/XX/XXXX 2XXXX XXXX XXXX TransUnion Screening XXXX XX/XX/XXXX 3.XXXX Application XXXX/XXXX 4.XXXX Application ______________________________ additonally did not authorize any of these below XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXrequest -never autherized XX/XX/XXXX XXXX XXXX- Insurance underwritng XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently called XXXX ( XX/XX/2023 @ XXXX XXXX  ) I was transfered several times before talking to someone in another country and informed then that I vied a current Credit File and noticed several inquiries on my report that I did not authorize and would like to speak to someone to have them investigated and or removed. Again, after speaking to 3 people and an hour later I was still told they " We not investigate Hard Inquiries as they are a statement of fact, and that I would need to reach out to the one that expended credit or to whom I've applied '' I went on to tell them that this was not me and the said creditor verified this with me. Still after several conversations with them they still denied my right to investigate and remove these inquiries from my file. 

Also, while requesting ALL 3 Credit Bureaus to reinvestigate fraudulent reporting I am constantly told that " this item ( s ) has already been investigate and remains unchanged or that I am not able to reinvestigate an item that meets FTC requirements. I then ask for their ( Credit Bureaus - XXXX, XXXX & Experian ) means of verification or validation and I am told the said creditor or court verified. They fail to send and show me their steps in validating any debt reporting to my bureaus and are constantly reporting items in which I have given NO permission to report. 

It is an FTC requirement that all items I request to be investigated should be investigated and proof of investigation should be supplied to me upon request. If I am not getting these when requested how are the Bureaus? 

I would like some resolution to this matter ASAP! I have also files a formal complaint with thee FTC with regards to these matters and will not stop until these items ( hard inquiries and accounts are removed from my personal credit file with all 3 Bureaus )
Product: Debt collection

California Account Services has been reported medical debt for medical treatment from XXXX. They refused to provide a statement or information about the debt after I found their information while reviewing my credit report. I filed another complaint against them earlier in XXXX and they finally sent me copies of the statements with a handwritten note saying they were sending it in response to my complaint. I have not been given any notices and have not been contacted by phone or email since XXXX. After reviewing the records they sent I became aware that my primary and secondary insurance was never billed even though I had provided the information to them in XXXX. They are charging fees but refused to provide any details about the amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a delinquint bill from a company called XXXX XXXX XXXX XXXX that was due to a payday loan from a company called Speedy Cash. 
The loan was in an old name of mine that I have not used in over 9 yrs. 
Loan Date : XX/XX/2018 Loan amount XXXX Loan Number XXXX XXXX XXXX I have disputed this twice and each time they say the information is true. 
my Dr. Lic. ends in XXXX on the loan is says XXXX they do have the correct ss # I have also spoken with the creditor several times and asked for supporting documents I would like to inspect the loan documents myself. They promised to send them but never have. 
I have never in my life taken a payday loan from any company and would like this removed from my credit report. They claim that one payment was made from XXXX XXXX but will not send any cancelled checks or documents etc.. I want this removed from my credit report. It is not my debt.
Product: Mortgage

In XX/XX/XXXX, I requested a loan modification for my mortgage loan. I was not delinquent or late on my payments at the time. However, my bi-weekly wages were below my {$1200.00} monthly mortgage payment, so in an attempt to prevent any future problems paying my mortgage, I requested a loan modification from XXXX XXXX # XXXX. I received a letter on XX/XX/XXXX from XXXX stating that my mortgage trial payment would be {$1000.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by XXXX that after making those payments, {$1000.00} would be my regular monthly mortgage payment. I later received a letter from XXXX stating that my monthly mortgage payment would be transferred from XXXX XXXX M & T Bank Loan # XXXX on XX/XX/XXXX. I called M & T Bank to attempt to make my XX/XX/XXXX payment and I was told that my new monthly payment would be {$1200.00} due to my taxes and insurance. I am not in agreeance with this due to the amount being very close to my original mortgage payment amount. Also, this is not what XXXX stated the payment would be. I was told by XXXX that the payment would be {$1000.00}. I was not delinquentt on my trial payments and I made the payments before the XXXX of each month which is XXXX 's deadline before payments are reported late however, the M & T Bank website has an alert on their website stating that I was late.
Product: Mortgage

This is just a brief summary/question. I just recently became aware ( today ) that Ocwen has a settlement website and also found out the deadline to submit a claim has passed. How would someone have known prior to the deadline to file a claim? I am sure I am not the only homeowner who was not aware of this, therefore if everyone entitled did not apply what will they do with the funds which will not be sent to those of us who were in the dark about the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion currently reports inaccurate, misleading, incomplete information on my consumer reports. 

Account : XXXX XXXX services Reporting late payments : XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/XXXX payment. 

XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/XXXX XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/XXXX XXXX
Product: Mortgage

Complaint regarding a refund from Mortgage company : Hello, my name is XXXX XXXX My address : XXXX XXXX XXXX, XXXX, CA XXXX. 
My Phone number is XXXX. 

purpose of this letter is to file a complaint citing violations of " Consumer Fair collection practices ACT '', Fraud and misrepresentation '' against SLS Mortgage company ( Specialized loan servicing LLC ). 

Details of the case : I have filed this case in California with the Department of Financial Protection and Innovation but was instructed by them to file my case in Nevada because my house that i paid the mortgage for is located in Nevada. Address : XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX. 
My mortgage loan in full with my mortgage company Specialized Loan Servicing, LLC. 
A refund from my escrow account for the the amount of {$2000.00} was supposed to be refunded to me from my mortgage company Specialized Loan Servicing, LLC. since XX/XX/XXXX. 

I have called SLS numerous times and spent hours on the phone the last 5 months talking to mortgage representatives and managers at SLS ( Specialized Loan Servicing, LLC. ), however, without any results and my requests were always denied to send my refund of {$2000.00} with a tracking delivery and without success. I have never received my refund since XX/XX/XXXX till the present day of XXXX, XXXX, XXXX. 
My refund of {$2000.00} was never received. It was supposed to be sent on XXXX XX/XX/XXXX. As of the date of this letter, I have not receive a refund as of XX/XX/XXXX. 

I would like to file a complaint about this mortgage company and their frivolous practices and manipulation of consumers. 

I am asking for full refund for the amount of {$2000.00} plus 10 % interest on the funds that were held and kept unlawful in the collection company 's account. 

The company name is : Specialized loan servicing LLC. 
Their ADDRESS : XXXX XXXX XXXX, XXXX, CO XXXX Amount of Refund : {$2000.00} number : The mortgage company phone number : XXXX The mortgage company fax number : XXXX Please help! Thank you, XXXX XXXX ( XXXX ). and my loan number is XXXX.
Product: Mortgage

Back in XX/XX/XXXX I was trying to get a modification from Flagstar Bank of my mortgage as I missed a payment. I submitted a modification package to Flagstar bank to obtain a loan modification. Unfortunately for the next to 2 years I was requested to resubmit a new modification package every 3 to 4 months as the most recent package they had in their system had expired due to the back log of loans they had to review. After 2 and half years Flagstar sold/transferred my mortgage to XXXX in XX/XX/XXXX/XX/XX/XXXX XXXX after 3 months since acquiring my mortgage from Flagstar, they started foreclosure on my property. But when Flagstar sold/transferred my property to XXXX they made an error in the assignment of my mortgage. Currently I am trying to walk away from the property by doing a Deed and Lieu with the current mortgage company XXXX XXXX XXXX, but the error by Flagstar with the assignment of mortgage is holding up the process. I was informed that it will take Flagstar Bank to 45 to 60 days to sign the Gap assignment of mortgage form so the error they made can be fixed. With Flagstar Bank needlessly prolonging the process with reviewing for loan modification and now to correct their error with the assignment of my property mortgage, they are consistently showing their negligence. With me being a former mortgage underwriter, show that there is a lack of professionalism and integrity in the mortgage industry.
Product: Debt collection

I filed for bankruptcy  in 2014 paid a pro tango amount of {$8200.00}. 
For the past years I have been paying Real Time Resolutions {$310.00} and I recently checked my credit report and that account has been closed. I don't know what to do or what are the next steps on trying to figure out what's going on.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}
Product: Money transfer, virtual currency, or money service

My sister made a XXXX deposit for me on Wednesday, XX/XX/XXXX, and I have not yet received the funds in my account and it is now, Sunday, XX/XX/XXXX. The earliest the funds could be available would be Monday the XXXX, a full 3 business day and 2 non business days later. The bank, Wells Fargo is holding the funds for too long and profiting off them for their own benefit. This should not be allowed and should be if it's not already against the law. What can you do to help?
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cashapp failed to take timely and effectively measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act and Regulations E.