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

Equifax has listed several inaccurate addresses for me. 
These include XXXX XXXX addresses and one in XXXX, Ohio. I have never lived in XXXX XXXX or XXXX.
Product: Mortgage

My mortgage company ( Fairway Mortgage ) sold the mortgage to another mortgage company ( XXXX XXXX ). My homeowners insurance company ( XXXX XXXX XXXX, XXXX XXXX is listed as the agent ) charged us {$30.00} to do paperwork to transfer the insurance. They said if we don't pay this fee they will terminate the insurance. We paid a full year in advance, so how could they terminate the policy? Why should I have to pay this fee? Shouldn't Fairway Mortgage pay for this since they initiated it?
Product: Credit reporting or other personal consumer reports

Good day to whom this may concern, On XX/XX/year>. I signed on to Experian.com to see my credit status and was offered a pre-qualified loan. I checked the rates and amount of {$8500.00} for 36 Months unsecured loan. I then was redirected to XXXX XXXX XXXX  stating it was going to pull a hard credit pull on my credit profile which they did and contacted me stating I was approved up to {$25.00} Secured loan and would I like to proceed with the loan verification process. I stared the loan which I applied was an unsecured loan for {$8500.00} Dollars not {$25.00} secured loan which I knew I wasn't able to provide collateral for it. I asked XXXX XXXX XXXX to remove the hard pull credit inquiry which they denied to do so. I fill very strongly I was lied to by Experian.com and XXXX XXXX XXXX to accept their pre-approval bate into accepting them to run my credit causing my score to be effected and my credit rating to be worsen by their deceptive tactics. I currently have a loan active with XXXX XXXX XXXX. Experian has repeatedly offered me loans through their so called affiliated partners at a very high interest rate. Gives different credit score numbers to other agencies and puts a totally different score on my profile. I have taken screenshots of them. This type of information and fraudulent activity has caused my credit account profile harm making companies offer me loans, products etc at much higher interest rates! Considering that they're already being investigated by CFPB gives my complaint even more XXXX concerning them to be dismantled or stoped. Experian is a predatory company committing fraud and illegal practices against their clients and the public consumers. I asked for help and appreciate your office in taking the time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  account number 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 took a Parents Plus Loan for my daughter in XXXX when she started at the XXXX in XXXX CT. It was $ XXXX. so {$40000.00}. I had to put it on forbearance a couple of times and here we are XXXX years later and the balance is {$47000.00}. Really? I have called Navient and all they tell me is that interest. I pay {$400.00} per month and it is not going down. I am going to be XXXX in XXXX and I DO NOT want this coming out of my Social Security check NOR do I want to hear Parents Plus Loans are not eligible. My daughter gives me the money, but over {$50000.00} has been paid. Why do we owe {$47000.00}?? This just is not fair.
Product: Credit card or prepaid card

On XX/XX/2018 a fraud charge for XXXX was placed on my credit card. 
I never went into the store nor authorized the charge on my behalf. 
I never use the card other than emergencies, so I didn't notice the charge. 
My identity was stolen which included Identification my purse my credit cards and my laptop with saved log in information. 
I notified the company regarding this transaction when I noticed a bunch of random charges and accounts on my credit report XX/XX/18 My credit up until this point was Steller and never filed any sort of dispute.

Bank of America denied the claim do to them filing it wrong as a duplicate card rather than Identity theft.

I called and was notified as to a fraud specialist filling out the complaint wrong. 
It was reopened and denied due to someone logging in to my online account. 

They said I should of noticed which it wasn't me due to the fact it was a credit card used for emergencies.
Product: Mortgage

XXXX or XXXX of 2021 we made one of our initial contacts with Shellpoint Mortgage. Here we were contemplating being able to opt out of the forbearance option that we had initiated with XXXX XXXX. When attempting to figure out the reason behind an increase in our payments, Shellpoints agents advised us that the they did not show payments that matched what our statements did, and that the statements they were sending us were incorrect. In addition, there was a discrepancy about a XXXX credit on our escrow. When asked what the payments were in case we decided to make them, the agents could not tell us. Without the information we decided to proceed the forbearance ; at the same time Shellpoint was telling us encouraging us not to make payments, and telling us it would not effect or credit. Later last year we decided to go on a payment plan for three months so we could then modify our loan. Shellpoint gave us a trial payment plan for XXXX, XXXX and XXXX We found during that time that Shellpoint has been reporting our delinquency to credit, began the foreclosure process even though they have denied or avoided the question on several occasions and that the XXXX escrow credit is now a deficiency which now has to be integrated back into our loan. Generally I would take my business elsewhere, but the impact of my credit prohibits that and other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a front line representative and an executive resolution team member from USAA 's auto loan department. I requested documentation stating I am requesting them to look into incorrect credit reporting. I was told from both employees that this was not possible in any way. I sent an email to their executive communication 's department. This email was provided by the executive resolution employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information that's reporting on my credit report is incorrect and fraudulent and i need it removed from my credit report immediately and permanently. 




XXXX XXXX XXXX XXXX  Account Number Account Type Collection Terms 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount {$87.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$1100.00} Comments - Payment History DISPUTE XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due  Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I got a credit report and I think it's wrong. I was told I have a right to have a investigation done. Credit reporting laws ensure the bureaus only report 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. Please make sure everything pertaining to my credit report is correct. Remove the late payments and correctly report the payments on my credit file. 

Please provide me with the following items : *Pay off disclosure *Interest rate disclosure *Balance History *Payment history *Credit Insurance Validate Account targeted Pentagon Federal Platinum Rewards Account Number xxxx xxxx xxxx XXXX I respectfully ask for you guys to provide some kind of proof of these alleged items, specificially the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also heard that under federal law, you have thirty ( 30 ) to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15  ) days of the completion of your investigation. 

I sent Penfed a Cease and Desist in XX/XX/2022 and they have ignored it and continued to contact me. Which is a clear violation of FCRA, FTC, CFPB and state attorneys office. It is a violation of 1000 per incident charge,
Product: Vehicle loan or lease

On XX/XX/XXXX i submitted a agreed payoff amount to Wells Fargo Dealer Services in order to finalize and payoff a auto loan. At this time time i was told that that once payment was received it would take three days for the title to be electronically released since I was in a state that kept title electronically ( Ohio ). I called back on XX/XX/XXXX and was told that it was still being processed and it might be released that afternoon ( they had my money though ). I called back Mon and it still had not been released but it was processed as paid off on XX/XX/XXXX. I continued to ask for someone to speak to in regards to it being released and was told there was no one else to talk to. I called back Tuesday morning and then was told it was still being reviewed and they had 7-10 working days to process the procedure. I stated that someone told me that they had processed it already as paid on XX/XX/XXXX why cant it be electronically released? They said that was not true and they still had time to review the payoff. I stated you have my money and have had it for over a week what is there to be reviewed this is the settlement that was agreed upon already. I met my part of the agreement and my title should be released when I met my part of it. This delay is causing me problems of something that I paid for as agreed upon. Wells Fargo has accepted my payment but has not released my title in the timely manner as payment has been processed. When the funds cleared the title should have been released. There is no review process upon a already agreed upon settlement. WHAT IS THE REVIEW PROCESS! A DELAY IN INTEREST BEARING BANK PRACTICES.
Product: Debt collection

I received a collection letter from Voss and Klein. After disputing a false collection claim in writing and sending it certified mail, the reported debt was sent to collections prior to receiving a response by Voss and Klein. This is obviously a scare tactic intended to prompt you into paying a debt that isn't yours just to make them go away. I posted a negative review of Voss and Klein because they violated the Fair Debt Consumer Protection Act by not responding to my dispute ( sent within 1 week of receiving the letter ) and negatively affecting my credit. I posted a negative review of Voss and Klein as is my right as a consumer dealing with this company. The company retaliated against my business that evening by posting a negative review of my medical practice. The post was made by the CEO of Voss and Klein, XXXX XXXX XXXX from XXXX XXXX, Florida ). Retaliation and unethical malicious attacks on a business is illegal. They are in direct violation of the Fair Debt Consumer Protection Act.
Product: Debt collection

Company states debt was paid but they have no record of chain of title. Debt company attempting to collect on a debt I never signed an agreement with nor do I owe any money to them. Moreover, this debt was removed from my credit profile and replaced back on by this collection company. Company continues malicious attempts to collect on a false debt with harassing phone calls.
Product: Credit card or prepaid card

I canceled my UBS credit card two months ago. Eithout my knowledge, they canceled my abi, its to view my card information online. 

A few weeks ago, I received a letter saying I owed a payment. I have called them twice. Both times they told me they could not send me a copy of my statement, and twice they said the auto payment I had set up was canceled when I closed the card. 

So they say I owe them money, but theyve blocked my online viewing of the statement, and wont mail me a statement.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date of XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Collection Account # XXXX and Demand for Validation To Whom It May Concern, I am writing to formally dispute the collection account # XXXX reported by your agency on my consumer report. I have noticed several legal violations concerning this account that require immediate attention and rectification. First and foremost, your agency has failed to provide the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, you have proceeded to place the collection account on my consumer report. This is a clear violation of my rights as a consumer under federal law. Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This omission deprives me of the essential right to contest the validity of the debt before it is reported, thereby undermining the fairness of the debt collection process. Additionally, your actions constitute the use of false, misleading, and deceptive means to collect a debt. This violates my consumer rights and is unacceptable. It is imperative that your agency adheres to ethical and legal standards in all collection activities. Your agency also lacks the authority to furnish any account information to consumer reporting agencies without providing all the required disclosures by law. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ). These statutes mandate specific disclosure requirements to ensure the accuracy and integrity of the information reported to consumer reporting agencies. Given these violations, I demand the following actions be taken immediately : 1. Cease all collection activities related to this account until proper validation information is provided. 2. Remove the disputed collection account from all consumer reporting agencies to which it has been reported. 3. Provide a complete and detailed validation of the alleged debt, including all information required under 12 CFR 1006.34 ( b ) ( 5 ). 4. Ensure compliance with all applicable federal laws in future communications and reporting activities.

Per 15.USC 1692 G you are required by law to 1 ) I would like you to send me a detailed list of the history of the payments made by me on this account ... 2 ) My signature that I put on a contract agreeing to pay this creditor. 3 ) Has there been any insurance claim filed on this debt? 4 ) Proof that you have chain of title to collect on this debt. 5 ) Requesting you to furnish proof that you are licensed and bonded .. 6 ) I am also requesting the purchase agreement between you and the original creditor.

.I expect a response within 30 days of receipt of this letter, confirming that the necessary actions have been taken. Please send all correspondence to the address listed above. Thank you for your prompt attention to this matter. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information reported by TransUnion and XXXX on an XXXX/XXXX  account ( Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - **TransUnion** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$770.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor ; Sold to : XXXX XXXX XXXX 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **Experian** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$0.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct TransUnion and XXXX to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Within the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized the paramount importance of consumer reporting agencies fulfilling their obligations with fairness, impartiality, and utmost respect for the consumers privacy rights. Recognizing XXXX, XXXX, and XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to protect my private information. This right is bolstered by 15 USC 6801, which mandates that financial institutions uphold customer privacy. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  fall within the definition of a financial institution under this statute. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX and XXXX is hereby revoked. Moreover, XXXX XXXX XXXX ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX XXXX and XXXX XXXX failed to inform me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reporting services .
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA reported a charge off of my loan to the credit bureaus stating that the car was affected by a natural disaster. This is not the case, the car is in great condition, now i have a charge off showing on my account. I have tried to work with Santander to understand how we can fix this but have been unable to get this resolved after numerous email, phone calls, and letters.
Product: Checking or savings account

On XX/XX/22, XX/XX/22, and XX/XX/22 my bank account was hacked. They reversed the charges of XXXX worth of bills that I paid in the last year. Then they sent the money to people I don't know via XXXX and wire transfers. I think my phone was hacked too. I contacted the bank for a fraud investigation and also spoke with the claims department. They told me I could go to any branch and withdraw my remaining money. I went to 3 branches and they wouldn't let me withdraw my money. I asked to speak to a manager. She refused to meet with me. They called the fraud department in my presence, and I was told that they were not even doing an investigation. The claims department didn't know what was going on either. I am now facing repossession of my car, eviction, and I have a million creditors hounding me for money. The bank is FDIC insured. I contacted the police who said there was nothing they could do. No one will help me. I didn't do anything wrong and now my life has been turned upside down. The company is JP Morgan Chase bank.
Product: Debt collection

COLLECTOR KEPT CALLING MY DADS CELL AND FAMILY MEMEMSBER 7 TIMES AFTER CEASE AND DESIST COLLECTION AND DO N'T CALL ORDERS. 

WE ARE GOING TO SUE FOR {$500.00} PER CALL
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, 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.