23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My credit card company,  USAA canceled their contract with Mastercard and began a new contract with Visa  sometime around   XXXX   XXXX   XXXX    . As a result, they canceled my  USAA Mastercard and sent me a new USAA Visa credit card. My Mastercard had been enrolled in autopay for many years. When USAA sent me a new Visa card, none of the services associated with the old card transferred to the new card and there was no   correspondence from them to warn me of this. So I assumed that I was still enrolled in autopay. In   XXXX   XXXX   XXXX     I noticed a late fee on my bill, not something that I was accustomed to seeing with the autopay, so I contacted them. They told me that I was delinquent and that they had reported me to a credit agency. I thought this was inappropriate, so I began the dispute process with USAA on   XXXX   XXXX   XXXX    . My dispute was denied.  I still ca n't believe I was treated this way by USAA, who is usually very good to it 's customers. To this day, my credit score is affected negatively by their failure to communicate.
Product: Debt collection

On XX/XX/23, ARS National Services contacted me by mail, expressing I owe a debt to XXXX. At the bottom of the written notice, it says " Note : See reverse side for important information. '' The reverse side of the notice is blank, except " We are required under certain federal, state, and local laws to notify consumers of certain rights. This list does not contain a complete list of the rights for consumers under federal, state or local laws. '' Under that statement, it says " XXXX XXXX XXXX XXXXXXXX ''
Product: Debt collection

Sent certified notices to the company to no avail and they continue to place a derogatory trade line on my consumer credit report when they can not present a contract between Credit Collection Services and myself. Privity of contract!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was deleted due to violations of my federally protected consumer laws & rights. Below is proof of these allegations. If this information is still being reported this is a violation of of USC 1681 ( a ) ( 4 ) & USC 1681b ( b ) ( 1 ) my rights to privacy. No consent by definition is identity theft. No permission was given to this company or any consumer reporting agency to have any consumer information which is a violation and infringement of my federally protected consumer laws & rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular company ran unauthorized credit inquiry on my credit report. Please remove as this is suspicious to me : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/year> Consumer Financial Protection Bureau Supervisor, Legal Department XXXX XXXX  XXXX XXXX, IA XXXX XXXX XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX, TX XXXX Equifax Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. 
I am sure you are aware and understand that it is required by Federal law that Credit Reporting Agencies must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost. 

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, Metro 2 Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code 1681g - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report.

Im thanking you in advance for attending to my requests promptly XXXX XXXX XXXX
Product: Debt collection

Diversified consultants reported a paid account to my XXXX credit report. Their reporting indicates that they reported a debt for the first time after it was already paid. Reporting already satisfied accounts to the credit reporting agencies are illegal and malicious. This account needs to be removed asap because it was satisfied prior to reporting to my credit report. This company reported this to my credit report after I inquired about as to why I was receiving communication from them when the debt was already paid. Illegal and malicious practices.I have contacted the credit reporting agency and as per the credit reporting agency Diversified Consultants continue to verify with the credit reporting agencies that this information is accurate and it is not because this company should never have reported this collection account that was already resolved before the initial reporting. Not only is that a violation in itself ; they continue to violate by verifying this information as correct.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters. 

XXXX XXXXXXXX {$430000.00} XXXX XXXX {$46000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX IN ) XXXX {$84.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$2100.00}
Product: Mortgage

XX/XX/XXXX I called because my mortgage company incorrectly coded my residential home as a condo with a HOA. They incorrectly levied on me a {$2600.00} HOA insurance payment. I called 6 times over the past 2 weeks to get taken care of. They did not refund the money nor update my escrow account. On XX/XX/XXXX I got an escrow statement that says I have a $ XXXX shortage and they have not applied the amount. 

I called again on XX/XX/XXXX 2 times and they transfer me to a manager. Come to find out they are not managers and keep transferring me back and forth. I can not get a resolution of them to fix my loan type and refund the money taken from my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove unauthorized fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth attempt to get issue resolved XXXX XXXX XXXX XXXX I have submitted complaints already with only responses " We apologize and are sorry. Or we do not take care of the issue. In short to best help protect the consumer a credit freeze needs to be placed on all credit reporting agencies because of the credit information exposed by Equifax. That cost the consumer money and Equifax should pay for it. That is what I am requesting. Please also address the specifics in your response to my case and please explain how your plan is better to protect me from unauthorized accounts to be opened than to freeze at all agencies?
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a source of major concern. I'm extremely worried about how it's affecting my credit. This derogatory mark has already led to a loan rejection and higher interest rates on my current credit accounts. I can't overstate the serious financial and emotional toll this is taking on me, which will persist until this issue is resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Fraud Dispute Name : XXXX XXXX XXXX : XX/XX/XXXX Social Security # : XXXX To whom it may concern, Subject : Fraudulent Items on Credit Report ( Transunion ) As I reviewed my recent credit report I have discovered that there are fraudulent activity ongoing with my credit. I have fully reviewed my credit report and would like to request that the items listed below be removed pursuant to federal law. 
I am demanding that these items be removed immediately as I am providing you with my proof of identity, police report, and identity theft affidavit. I will not hesitate to file a lawsuit if these items are not removed within 30 days. 


ACCOUNTS TO BE REMOVED : XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT BALANCE : {$19000.00}. DATE OPENED : XX/XX/XXXX. 
XXXXXXXX XXXX XXXX. ACCOUNT # : XXXX. ACCOUNT BALANCE : {$46000.00} DATE OPENED : XX/XX/XXXX. 
XXXX XXXX ACCOUNT # : XXXX. ACCOUNT XXXX {$4000.00}. DATE OPENED XX/XX/XXXX. 
XXXX XXXX. ACCT # : XXXX. BALANCE {$3800.00}. DATE OPENED XX/XX/XXXX. 

XXXX  TO BE REMOVED XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ). ACCOUNT # : XXXX. ACCOUNT XXXX : {$420.00}. DATE OPENED : XX/XX/XXXX. 

INQUIRIES TO BE REMOVED : XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX XXXX XXXX XXXXXXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX. 



Sincerely, XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has citied technical issues. which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. I am not able to pay for basic needs due to them with holding my direct deposit. We are facing a weather emergency here in Louisiana and I have no access to funds to help prepare.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying I took out a XXXX loan in XXXX I never attended XXXX in that year nor did I take a loan out in XXXX 

I'm pretty sure my school actually closed down for good around that time
Product: Debt collection

I have been called by multiple phone numbers associated with AllianceOne debt collection, almost every single day as far back as XXXX of 2021. They are calling and leaving nondescript voicemails asking for myself, ( XXXX XXXX ) or my dad once ( XXXX XXXX. ) They have called from XXXX almost daily, and XXXX back in XXXX and starting up again in the new year. I answered a call trying to figure out who they were, and they confirmed they were debt collectors trying to collect a debt that belongs to my dad, who I was not in contact with when he died in XXXX of 2021. I explained this XXXX separate times ; as they were calling while I was at work, and I answered because I had been waiting on other relevant calls regarding my dads death. They said they would not call anymore, but are continuing to harass me and leave voicemails. My dad was so broke when he died we didnt even establish an estate and his things were sold off by his landlord. No one is going to pay this debt, and this company is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I'm reaching out regarding these fraudulent items for assistance to REMOVE them from my credit report immediately.
Product: Mortgage

Issue : PMI Removal Our home loan was originated with Wells Fargo in XXXX XXXX with PMI. In XXXX XXXX, we submitted a request for PMI removal and received a letter instructing us of the various options. We decided to complete an appraisal and paid the fee out of pocket, but the value came in low. We filed an appraisal dispute and our claim was not approved. Recently, we inquired in XXXX XXXX to remove the PMI given our home has appreciated. We were sent a letter with the same options. We decided once again to pay for the appraisal. The reported value, XXXX showed we are now under the 80 % loan to value and can remove the PMI. Two weeks later, we received a letter stating we can not remove the PMI since the LTV must be 75 % or lower. Our request was denied. 

Recently, I was informed that a unit XXXX # XXXX XXXX in our condo was refinanced by Wells Fargo and the appraisal was XXXX, closed in XXXX XXXX. My appraisal of XXXX was completed in XXXX XXXX. The units are identical in size and dimensions with no upgrades. Furthermore, the unit owner was employed by XXXX as well.
Product: Vehicle loan or lease

Toyota motors reposed vehicle in XXXX and at some point auctioned vehicle. No notice was provided to me and no document produced showing attempt to auction at near fair market value. Im disputing the residual balance, debt collection attempts, and derogatory reporting. Its been XXXX years and this should not be on my credit reports in keeping with FCRA and FDCPA Account was open in XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 
15 usc 1681b ( 2 ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( 4 ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy
Product: Debt collection

A judgment against me was applied on XXXX XXXX XXXX by XXXX XXXX via their Subrogation Attorneys " XXXX XXXX XXXX '' for the amount of {$17000.00} + 6 % from the date of the Judgement. My complaint is that XXXX XXXX  XXXX suspended my license. 

I learned of the suspension because I received a letter from DMV. I then contacted XXXX XXXX   XXXX to determine why and was told because I had not arranged to make payment. I asked the representative how was I supposed to know to do that as I was not sent any type of notice from them to contact them. I expected that after the court decision they would have sent me a letter advising of the final details of the debt and what is necessary to make arrangements for the payment of the dept. 

I have also not received any notice from XXXX XXXX  XXXX that they have made the adjustment to the amount of the debt owed. The VA Insurance Commission handled an issue related to the amount I owe for the claim because of an error on XXXXXXXX XXXX part with the valuation of their client 's vehicle. XXXX acknowledged their error and adjusted the amount owed by deducting {$970.00} from the original amount due but XXXX XXXX XXXX did not send a letter acknowledging that either. 

In summary, they did not send a letter requesting that I contact them to discuss next steps or acknowledge that they have adjusted the amount they are attempting to collect after the date the Judgement was placed in court which was XXXX XXXX XXXX and took the action of suspending my license without giving me an opportunity to make arrangments before the suspension. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Assigned Collector - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information, Ive tried multiple times to have this information corrected. Lack of communication and consistently this company is have some sort of information reporting inaccurate on my credit report. I am crusted and it is hurting my credit report. 

It is multiple inaccurate information reporting as of XX/XX/2023 Please have this account and everything dealing with this company deleted. Worst experience ever.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer account listed XXXX XXXX XXXX Account # : XXXX. There is several inconsistencies listed among the reporting agencies listed below. Furthermore, federal law states any consumer account with a balance over a {$1.00} is due to the consumer therefore the account can not be in collections or charged off. 

Once an acount is charged off it is considered income and can not be reported per the IRS. 

- If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583.

Account Type - Detail : Credit Card Credit Card - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$520.00} {$0.00} {$350.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to XXXX XXXX XXXX XXXX  Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

My loan servicer was XXXX XXXX XXXX with the loan number XXXX. My loan was transferred to a new servicer, Selene Finance LP starting on XX/XX/XXXX. On XX/XX/XXXX I received a letter ( attached ) from XXXX XXXX XXXX  notifying that they are the new loan owners and confirming that Selene Finance are the new servicer and that all things regarding my loan have to be done with the servicer. The letter shows the same loan number that was used by XXXX XXXX. No further information on the loan was specified. The address is the correct one. 

As of today, XX/XX/XXXX I haven't received a single letter or phone call from Selene Finance regarding my loan. I did try to log into their website but the loan information that I have ( that is the one from XXXX  ) is not valid in their system, so right now I'm not able to see anything regarding my loan with them. I wrote three different emails to different email addresses that Selene have on their website and haven't received any answer neither. My email is XXXX and that's the one I used to write the emails to Selene . 

For some really strange reason, their customer service numbers XXXX ( XXXX ) XXXX, and any of the other numbers with 877 prefix, always return a busy tone. I'm from Puerto Rico and the residence on that loan is located in Puerto Rico and I haven't been able to complete a call to any of their customer services numbers from almost 10 different phones including land lines. I contact my previous servicer ( XXXX ) located in California and they call to that same number and the pass through without any issue. We tried the automated system but it doesn't recognize any of the information we provided and we tried customer service but after a while the call drops. I don't want to think that because I'm from Puerto Rico I will not be able to communicate with them. 

Because all of this, I can not make my payments. I don't even have a loan number to make the payments even via regular mail. And I'm really worried about losing my home because of this.
Product: Debt collection

I spoke with a representative of Conn 's XXXX XXXX on XX/XX/2020 about a payment owed on my account. I asked if they had any payment relief programs due to the Covid-19 pandemic and was told they had a program that allowed a half-payment with the other half rolled over onto the end of the loan. Half of a payment was, in my case, {$82.00}. I said that I could pay {$50.00} at that time and the representative said that would be fine. {$50.00} was paid on XX/XX/2020 to account ending XXXX for XXXX XXXX, confirmation # XXXX. The remainder of the standard amount due was to then roll onto the end of the note, an amount quoted as {$110.00}. 

I received the confirmation email for that payment while still on the phone with the representative. I asked, while still on the phone, if he could push out confirmation and terms of the payment program via email so that I would have record of it. After holding for a few minutes he told me that it takes 2-3 business days for that email to go out. I've received no such email. 

Today, XX/XX/2020, I began receiving collections calls from Conn 's XXXX XXXX stating that account was past due and that the {$110.00} was due immediately. When I spoke with a representative they stated that the additional {$32.00}, over the {$50.00} already collected on the pretense that the account would be brought current, would be due in order to qualify for the payment program I was previously promised. 

This seems intentionally deceptive.
Product: Mortgage

Applied for modification Bank of America advised on XXXX/XXXX/2014 they have a complete package. On XXXX XXXX was advised that approval letter was sent out, questioned about doing a short sale, was told if that is what I want must send in writing want a short sale and opting out of modification process. Which is what I did.To date Bank Of America still has me as being modified and I never was. FHA will not allow short sale if was modified, which is not correct I know of other people who have been through this process