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

A previous report was filed because Prestige Financial refuse to acknowledge request for loan payoff and additional request to report " loan paid in full '' once payment was received. After checking with all the bureaus ... .credit report reflects to auto loans out owing more than 40.0000.00. I request this information to be corrected immediately,
Product: Bank account or service

I have had a checking account with Citizens Banks since 2006. The terms of the account was that if I have direct deposit from my paycheck the account was to be free of charge. Recently, I have noticed that I am being charged a servicing fee of $ XXXX/month. I would like to close this account and have all these fees waived since that was not part of what I agreed to. I have already cancelled my direct deposit from my payroll. I feel the charges are inappropriate and taking advantage of the consumer. 

Also, I have tried to change my name many times and they keep loosing my information. My new name is XXXX XXXX XXXX, no longer XXXX. I will attach a copy of my drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX Re : Fraud Application Account Number XXXX To Whom It May Concern : This letter comes in response to a fraudulent credit card account opened on XX/XX/XXXX using a fraudulent address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX. In response, I have enclosed an FTC Report, original police report that validate my information was compromised during the XXXX XXXX XXXX. 

I request this account be investigated and removed immediately as it is a violation of my rights as a consumer under the FCRA. 

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

I have hard inquiries on my report that I have no knowledge of from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Freedom Mortgage was to complete a simple loan assumption for me due to a XXXX  about XXXX  years ago. I have paid the payment for the entire loan, about XXXX  years. All I needed to do was get my ex husband off the loan. The entire process which I've attempted over XXXX times in the past XXXX  years was convoluted, misleading, and there was no accurate communication from Freedom Mortgage Departments. They blamed internal data base issues, and other excuses for their data entry errors. They sent my personal information and data to the wrong mailing address after I called to verify the mailing address multiple times. They did not send me the correct correspondance about my account and the fact that after assumption my online account would be deleted, I would not be able to login, my payment would not be made, and all my information would be deleted. I called multiple times to try and understand how the payment would be made for XXXX. Today, the last day to pay, I had to spend XXXX XXXX XXXX on the phone all to find out I can no longer pay online and they just forgot to tell me about that and how all my payment history and statements would also no longer be available to me. Even tho I assumed a mortgage I've been on for the entire length of the loan. This makes no sense. This seems illegal, and there was nothing I did proactively to try to fix it that worked. There was nothing I could have done differently to fix this. It is misleading and seems illegal they would not disclose this info and then their mistakes would cause my payments to be not made ( had I not called them AGAIN today ). I've spent hours on the phone with them in the past month trying to address issues before they happen, they spent hours it seems to make the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT PROTECTION ASSOCIATION - has illegally reported inaccurate information on my credit file. XXXX XXXX was paid on time every month per the established payment arraignment. The file was sent to CREDIT PROTECTION ASSOCIATION whom began illegally reporting a balance that was never delinquent or in default. After speaking with several representatives at the business on XX/XX/2019. I was told by a supervisor that the inaccurate information would be deleted from my credit file upon their next update to each credit bureau. As of XX/XX/2019 the inaccurate information is still on my file. I called CREDIT PROTECTION ASSOCIATION again on XX/XX/2019 and they are not holding up to their end of the agreement to remove the inaccurate information from my file as advised on XX/XX/2019. This issue is a violation of the FCRA. 

CREDIT PROTECTION ASSOCIATION Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified of a hard inquiry on my credit report from XXXX. The same day, also on XX/XX/XXXX, I received a confirmation email from XXXX 's congratulating me on my new XXXX 's XXXX XXXX, issued by XXXX XXXX. I can't even remember the last time I went into XXXX 's ( if I ever have ) and I NEVER applied for this credit card. 

About a week later, the XXXX 's card showed up in my mailbox. When I called the " card services '' number listed, the person I spoke to immediately said she needed my social security number. I didn't feel comfortable offering this information and I hung up. 

Furthermore, I almost missed both the credit alert and the initial XXXX 's email because they were buried in what I have since learned is called subscription XXXX. On XX/XX/XXXX, my email was flooded with hundreds of confirmation emails from hundreds of random websites.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and address financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am late paying my car note ( 5 days ). The creditor has called me 20+ times in the past 4 days. Tonight ( Sunday, XX/XX/XXXX ) they called me 3 times in a row. As soon as I hang up, they call right back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I reviewed my credit report and became aware that I have been a victim of identity theft. There are several fraudulent accounts on my credit report and I submitted the documentation to each credit bureau ( XXXX, Equifax and XXXX  ) to correct the fraudulent accounts on XX/XX/21. I mailed in a certified letter, signed and a FTC Identity Theft Affidavit to have the fraudulent item ( s ) removed. According the the Fair Credit Reporting Act, Section 611, I have to allow 30 business days for the investigation and then wait for a response. Today is XX/XX/21 and I can see XXXX  has deleted the fraudulent account however, Equifax and XXXX  have not. I have not been notified by mail from either XXXX  or Equifax of their investigation and it is clearly longer than the 30 business days as of today. The tracking number for XXXX  is : USPS : XXXX, Delivered XX/XX/21 and the tracking number for Equifax is USPS : XXXX, Delivered XX/XX/21. I have spent over {$500.00} of my time is mailing disputes and having to take off of work to take care of this matter. I am not submitting a formal complaint to get the expedited help I need to correct this and to also help me so I can take a loan out due to the world wide pandemic.
Product: Debt collection

XXXX XXXX on XX/XX/2015 or there about. I canceled service shortly after receiving services due to slow internet. I paid this charge after cancelling and still remains on my credit score. After paying I received no contact from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported about my ford company and how it got dismissed in court on a joint account and they kept flagging for more money XXXX dollars that wasnt my fault first time in XXXX district court years ago then by the time it grow to XXXX and I went to court a2nd time but XXXX district court and finally got dismissed and still on my reports
Product: Mortgage

I received a notice in XX/XX/XXXX asking to provide proof of home owners insurance. I didn't understand why they were asking because the home owners insurance was being paid by them to the insurance company when we did the agreement in XXXX. The mortgage company completed the payment from XXXX to XXXX but claimed they did not know it was more due starting in XX/XX/XXXX. They were asking home owner 's insurance for info. Home owners insurance didn't notify me for payment because they knew the agreement from the mortgage company. The mortgage company nor the home owners insurance Co failed to notify me that no payments were being made. My insurance was canceled in XX/XX/XXXX for no payment and once again I was not notified. I had no clue any of this was going on until the mortgage Co notified me in XXXX XXXX. Now the mortgage company wanted {$1700.00} for lapse insurance that was partly their fault. Due to lapse insurance I could not find home owner 's insurance and had to pay more for the lapse time. The mortgage company paid {$1700.00} to themselves and {$3700.00} to homeowners insurance from my escrow. Now escrow is in the negative. My note went from $ XXXX month to {$1800.00} due to every one 's error. Then, they sold my mortgage to another company. The mortgage company is united wholesale mortgage.
Product: Checking or savings account

XX/XX/24 commerce bank closed XXXX XXXX account without permission and without sending us the information we requested ( account history ) impeding a XXXX investigation and then sent the balance of the account to the address of the person who is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to XXXX XXXX and TransUnion. Today is XXXX XXXX and I still haven't heard from either agency. A copy of the letter is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Account was never late XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. Account was never late XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Random credit checks and new dispute from places I have not purchased anything from. Places like XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have never dealt with any of these places yet I'm being hit with derogatory marks on my credit.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$630.00} XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/2023
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I signed a contract for the installation of a solar panel system with XXXX XXXX XXXX for my home. The terms were to pay {$63000.00} through XXXX XXXX XXXX XXXX XXXXXXXX ). The terms for the loan agreement include a promotional period that started upon substantial completion of the system installation. Generally, the promotion was a deferred interest loan. I complied with the information I was provided. I was provided with conflicting information that led to a potential misrepresentation of the agreed upon terms of the contract. XXXX indicated that payments started on substantial completion, determined to be XX/XX/XXXX and Mosaic indicated that the promotion started upon disbursement, XX/XX/XXXX. XXXX XXXX, substantial completion, was XX/XX/XXXX, making the promotional period until XX/XX/XXXX, while the contract indicates that the promotional period ends. Mosaic has failed to correspond with my multiple requests via phone, emails ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and multiple on their banking portal that I no longer have access to ), and letter ( XX/XX/XXXX ) and they have since charged me {$7000.00} in interest, even though I paid off the entire loan amount within the promotional period, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had our personal data exposed by the credit reporting agency Equifax. As a result we can never be sure that our personal data wo n't be used against us, or to fraudulently obtain credit in our name or to access and steal our financial information and assets. 

In addition, Equifax apparently knew about the data breach for at least a month before revealing this to those of us who 'd been hacked. That was a month that could have been used to change passwords and logins, and otherwise protect ourselves. Instead it was a month used by the hackers to burrow further into our personal data and use it for gain and to harm us. 

Finally, when they did announce the breach they did a inadequate and poorly coordinated job of setting up yet another unsecure link to check if we 'd been hacked and then did n't allow us to IMMEDIATELY sign up for credit protection - only announcing a future date when we could.
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 XXXX5 USC 1681. 

XXXX XXXX XXXX : account # XXXX and XXXX : account # XXXX has violated my right. 

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have repeatedly for the past two years to have Transunion to remove all collections and late payments off my credit report and they have continue to report all collections and late payments on my Transunion credit report this is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1100.00}, XXXXXXXX XXXX  XXXX. XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, and XXXXXXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not consent to e-oscar verification. I am writing today because I have tried to contacted the agencies that " assumed '' a vital role in accurately reporting consumer information multiple times over the last sixty days and have received no response. XXXX XXXX XXXX is in violation of 15 usc 1692g as they have failed to validate the account they and XXXX, XXXX and EQUIFAX are reporting while defaming my character. FDCPA 807 misleading false reporting. Reporting these false things is very misleading.18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. FDCPA 8012 furnishing deceptive forms : you furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also you reported that I owe a debt, but nowhere on my credit report do I see a negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By telling me I owe a debt, but reporting positive balance to my credit report is very deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Hunter Warfield by email and telephone to resolve this issue. I have provided documents of the court case from the locality 's landlord tenant court and this item still remains on my report. I do not owe this company nor XXXX XXXX, the company they claim to represent. I'm now in the process of obtaining a mortgage ( 4 years later and they're still reporting this incorrect information after I've contacted them informing them that it was incorrect ).
Product: Mortgage

In XXXX of XXXX, XXXX of XX/XX/XXXXand XXXX of XXXX, I have requested documentation on the status of my account with Specialized Loan Servicing such as loan statement, payment history, and account balance. My bankruptcy attorney has sent an authorization to them requesting their cooperation to mail me monthly loan account statements. The company has refused to send any information on the loan in 3 years including the remaining balance, payoff, or payment history. They expect me to continue sending them monthly payments on a loan that I have no amount of what is owed or what I need to pay monthly. 

As the consumer and account holder of this Home Equity Line of Credit, I should have access to the status of my account. I am making monthly payments and have never been in default. I don't know how or if payments are being applied to my account or someone else 's because they will not send me any status updates on this loan.