23daVinci/CFPB_Complaints huggingface dataset:
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, 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

On XX/XX/year> I mailed a dispute letter to Equifax, I included my Equifax confirmation # and my current IDs. A social security card, recent XXXX XXXX XXXX XXXX and XXXX confirmation of my address. I believe I have done everything correctly. XXXX XXXX XXXX accepted the exact same IDs and have processed my dispute letters. 

On XX/XX/year> I receive a letter from Equifax, telling me the documents are illegible? 
Are you kidding me? This is a STALL TACTIC to avoid processing my dispute letter. I have read all about Equifax doing this on the internet! 

You tell me if my IDs clear, enlarged, legible and recent. I demand Equifax process my original dispute letter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as XXXX XXXX XXXX I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle XXXX XXXX XXXX for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay AmeriCollect in full but I need for this item to be removed from my credit and I need a letter prior to paying.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan to help a friend in need quickly for {$300.00} and I'm XXXX, XXXX, on XXXX income only and was surprised I was approved but they have continued to withdraw now another payment and to this date I have paid nearly {$2000.00} on a small {$300.00} loan which I never believed it would be that much and I'm shocked ... I've reached out and phoned, but no return call. I did get a copy finally but I am thinking this is excessive and taking advantage of a mentally and physically XXXX person. I feel they need to halt but they don't return my calls or emails Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial will not report on time payments from XX/XX/XXXX to XX/XX/XXXX. Numerous attempts were made to no avail ; they could care less. It's affecting my credit, costing me more interest and could effect my mortgage loan rate when we close on XX/XX/XXXX. Attached you will find where Ally shows a balance that was paid off in the amount of {$24000.00}. This is not accurate. See below for more information The payoff amount was actually $ XXXX..this is because we paid down the balance of {$24000.00} with our monthly payments and a balloon payment of {$1800.00}. Ally has refused to report the payments from XXXX through XXXX and instead are just reporting a balance paid off which is INCORRECT. They are required to report this accurately and correctly. They are not. Upon reviewing my credit report which is attached you will see from XXXX XXXX they have not reported a payment since XXXX of XXXX. It is my belief that they have cost me money with higher interest rates on my refinance in additional to having hurt my credit score by not reporting payments on this installment account. We close in TWO weeks on our construction loan and the difference in a 10 point increase in my score could save me $ XXXX over the course of our mortgage loan. This is not right and they need to be held accountable. I called Ally on XX/XX/XXXX and was told a supervisor would call me back. I received a call from a XXXX on XX/XX/XXXX who stated she would call me back on Tuesday, XX/XX/XXXX. That did not occur. So I called back in and got a hold of XXXX and she was very rude and abrasive. She told me theyre reporting the balance paid off and its correct. She ignored the fact that the credit bureaus, ALL OF THEM, have not reported payments since XXXX and that the balance is wrong. XXXX should be terminated immediately for her behavior and her inability to properly correct the information. I had asked for a supervisor to call me back and that did not occur either. I was told her supervisors name XXXX XXXX. I called back in again today and asked for XXXX supervisor and asked for a callback and nothing. They continue to LIE, and they are making no effort to rectify the issue. The State of Missouri should make them pay for this and we intend to sue Ally Financial if this is not corrected and the payments reported each month correctly and the balance that they showed for six months was incorrect. During this time two credit cards actually lowered my credit limit because of high installment loan balance that was not moving down because Ally was not reporting it. This alone is enough for real damages. This is completely unacceptable and as a consumer I am afforded rights. They are violating multiple state and federal laws. This can not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a bankruptcy charge off account on my credit file early last year and Ive since then have been disputing this account with the 3 major credit bureaus XXXX has verified the account a a fraud account and since then has removed this account entirely off my file but EXPERIAN has been giving me the hardest time to do the same I honestly believe hat they do not even try to verify the account the just go off previous notes and make their decision based off of that For example I filed a dispute over the phone with them yesterday regarding the fraud account and with in hours the results where ready verified as mine .. I contacted the court and they verified that no one reached out to them and the notifications they had none where from Experian pertaining my file! How did they verify it was mine?
Product: Mortgage

I have a loan that is being serviced by ocwen loan sevicing. I have made all my payments on time. My loan to value ratio is about 65 %. I have made many written requests and verbal requests to ocwen to start the process of canceling my mortgage insurance. I have received the run around by there customer service and have gotton nowhere. They have no contact information and are not willing to help me when I am the customer. It feels like a scam they are pulling on homeowners. Please help
Product: Credit card

RETURNED A DRESS WHICH THEY DONT HAVE A RECORD I DO NOT OWE THIS AMOUNT MY BALANCE IS A XXXX THEN IT WAS SENT TO COLLECTIONS. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make a payment to Continental Finance/Surge Card only to discover that the account has been closed due to Fraud/Theft. I never made any such report. I have the card in my possession. I am fully responsible for all charges placed on the Surge Card. I spoke to a couple of agents about the issued with the card being locked. I am unable to make payments on the balance due. I'm so confused at this point. I haven't received an email or paper statement. I know a payment is dues, so I called an agent to make a telephone payment. Well, I was told they could not accept my payments as the account has been closed because of correspondence from XXXX. I have always made timely payments and for much more than the minimum balance due. I don't understand why they elected to close the account because I " supposedly reported the card Lost or Stolen '' and Fraud was reported on the account. Surge can't seem to explain who made these statements. I had to threaten to speak to a supervisor. Furthermore, she claims that because of the " Fraud '' I am not responsible for the {$690.00} balance. I AM RESPONSIBLE AS THESE ARE MY CHARGES. So, I am sending a payment via my bank today ( XX/XX/XXXX  ). They can't close an account that has been reported Fraud when a new card has been issued. Therefore, no account to apply the payment to. Again, I am sending payments until the account is paid in full.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

I signed up to TomoBoost unaware of what this was. I initially signed up to what I thought was TomoCredit, for the small actual credit line they offered. That is apparently no longer a legitimate service, but still have the website up to sign up for. 
After signing up for TomoCredit on the tomocredit.com website ( which I had had before, and used legitimately a couple years ago ), now they redirect your sign up to TomoBoost which is a subscription monthly service provided for them to somehow LIE and submit false information to the credit bureaus to report that you have a {$1000.00} or {$30000.00} credit line. Which you DO NOT and is unethical. 
Had I not been redirected, I would not have signed up. I was charged {$14.00}, but charges and offers of credit reporting go up to $ XXXX for their service of lying. 
Originally sent XXXX email XX/XX/2024 request for my account to be closed to both email addresses XXXX and to XXXX. 
First response was for feedback on why I was considering closing my account with no response to me asking again to close it and that I had no feedback to give. 
I have sent an email on XX/XX/XXXX, formally requesting my account be cancelled and closed. Received a message reply asking for feedback and sorry that I was Considering closing my account. 
Sent another email today XXXX XXXX revoking any and all banking, charges, access to personal information including any and all bank information and access to my personal credit reports and AGAIN requesting account closure. 
Have received the same response. 
There is no way to remove personal information from their website from your settings, nor any of your bank account information, not to mention they have your Social Security number. 
There is NO way to cancel your membership and NO phone number to customer service, which I feel would not be of help anyway. 

This company needs to be shut down immediately! Unethical Credit Reporting, and Consumer Rights Abuse!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2021 I was served papers at my employers office. By the XXXX XXXX. For XXXX  XXXX XXXX XXXX. From a Company I have never ever had any kind of loans with. And this Company has been harassing me for about XXXX years now. When I asked them to produce some kind of written contract with my signature they couldnt produce one. So I write to you asking for help. Please help!
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the XXXX for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. 
I will be filing a objection with the state as soon as I receive their notification in the mail.
Product: Checking or savings account

Fifth Third Bank blocked me from accessing my checking account and fund in the account since XXXX XXXX XXXX The account had a balance of {$15000.00} at that time. Fifth Third Bank claimed to have closed this checking account on XX/XX/XXXX. However, Fifth Third Bank did not send the account balance of {$15000.00} to me and has not provided all information detailed this account closing claim and its related balance.
Product: Debt collection

I pay portfolio recovery for my old XXXX account in the amount of {$400.00} on XX/XX/2018 they reported to my credit bureau that I only made a payment of {$400.00} towards my debt when I called and spoke with the manager she assured me that they were going to correct this matter she also email me a settlement letter stating I paid this off now today on my credit report it has went down tremendously 21 points stating that I still owe the debt for the full {$780.00} so it has stated that my debt has increased by {$400.00} by this company when I call back today to speak with someone they tell me that my account has been transferred to the dispute department and that's who places on my credit report and it's nothing I can do about it even though I paid this I'm trying to purchase a home in this is really hendering my credit
Product: Mortgage

The mortgage lender, Pennymac Loan Services LLC, has not properly credited my account for my last payment and the company continues to send my mortgage statements very late. I sent a payment XX/XX/XXXX. The check cleared XX/XX/XXXX. It is now XXXX XXXX, 2015 and I have yet to receive a mortgage statement. Instead of receiving a complete mortgage statement that shows when and how my money was applied to my mortgage balance, I received a letter from the lender stating that the payment was received but that it does not bring my mortgage up to date. 
I am aware that I am behind on my payments, but that does not exclude me from having the right to receive a monthly mortgage statement, on time and to know how my money has been credited to my mortgage account. Pennymac has repeatedly sent monthly statements extremely late. For example, I made a payment in XXXX 2015 that was applied on XXXX XXXX, 2015 and yet I did not receive a statement detailing the activity in the month of XXXX 2015 or XXXX 2015 until XXXX XXXX, 2015. According to the new regulations, mortgage companies are required to provide consumers with a monthly statement of the upcoming month due date no later than the end of the grace period of the previous month. With Pennymac this means that I am supposed to receive my statement for the money due XXXX XXXX, 2015 no later than XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have not received a mortgage statement. Instead of receiving a detailed mortgage statement, Pennymac sent a letter stating that my money has been received and that I still owe money to become current on my mortgage. The letter that I received last week does not meet the requirements of an itemized statement. My electric company, my gas company, and my telephone company have no problem sending a statement by the end of their billing cycle on a regular date, every month. I do n't understand how Pennymac can not manage the simple task of mailing me a statement on time. 
A way that Pennymac covers up how late they sent statement is that the envelopes in which the statements are sent are not postmarked. They have prepaid envelopes that are very difficult to track with the post office. I have often received statements 10 calendar days after the date written on the statement. The only envelopes that have dates are envelopes with notices to foreclose. For this reason, I will be filing a complaint every single month that I do n't receive my statement for the next month by the XXXX of the current month. I want a written record of the predatory measures this company practices in order to drive their customers to foreclosure. 
Pennymac 's goal is to push me to fall behind on my payments, beyond the 120 day limit, so that they can sue for foreclosure and make a XXXX year old, XXXX, retired woman become a homeless woman. I will not allow this company to make me another of their victims.
Product: Mortgage

I have filed at least XXXX HAMP applications and sent them to BB & T and they continue to charge me late fees and leave me hanging so that they can rack up fee after fee and deny me a HAMP loan based on me not resolving my hardship, if I was able to resolve my hardship I would n't need a HAMP loan. This is not a HAMP guideline and I feel they are denying me so they can run up as many fees as they possibly can. I 've been feed to death for at least the last 2 years and it just continues and I just keep getting denied and then they keep sending me letters telling me they value my business, well I would value someones business too if I could fee them to death and leagally make them pay me those fees.
Product: Credit reporting or other personal consumer reports

The account with Wells Fargo is not showing paid as agreed due to the agreement with the company after payment in full was made still reads wrote off. Now I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

At fault party : Credit Plus My home loan lender, XXXX XXXX  in XXXX, NM, requested a credit report supplement from Credit Plus to reflect that I have and still am making payments on my student loans since the federal government has placed everyone in forbearance due to COVID-19. On XX/XX/XXXX I called Credit Plus and spoke to Agent XXXX who said that she would conference me with XXXX XXXX ( student loan lender ) so that my credit report would reflect payments made instead of no payments made since my bank statements and credit report reflect a payment amount and I spoke to XXXX XXXX agent XXXX who confirmed that I am not only making payments, but above the minimum {$0.00} set by the forbearance status. XXXX asked XXXX questions such as : 1. What my student loan account balances? 3. When and what was my last payment are on each account? 4. When are the next payments? 5. When am I expected to pay back loans, etc.? XXXX answered all questions, confirmed I am making payments and that I wont owe anything on each account until XX/XX/XXXX. Per XXXX, she would adjust my credit report comment that I am making payments and send the new report to my lender and officer XXXX XXXX. After XXXX received the report, she notified me that Credit Plus still did not make changes to reflect that payments are being made even though my bank statements show that I have and still make payments and verification with XXXX XXXX. My credit report is still showing the comment no payments made after verification and spending an hour on the phone with XXXX and XXXX. XXXX failed to make changes to my credit report when she said she would. XXXX didnt even have her questions prepared and she had to put XXXX and I on hold three times to ask her leadership what to ask me, during the conference call. I believe this unchanged credit report is part of discrimination and intentional.. XXXX not only failed to update my credit report but she was being coached to asked questions that had nothing to do with the supplement requested by my lender. This is delaying my ability to get my home loan, it is unprofessional and part of structural racism. I asked XXXX for a copy of the questions she asked during the conference call and the information she received from me. She said she would send it to the lender instead of emailing it to me to withhold this discriminatory practice. The reference number to my case with Credit Plus is XXXX Resolution : THE REPORT SHOULD BE SAYING THAT I AM MAKING PAYMENTS SINCE I AM MAKING PAYMENTS ; confirmed by my home loan lender and student loan lender.