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

EXPERIAN FAILED TO PERFORM AN INVESTIGATION AND DELETE THE DISPUTED INFORMATION AFTER NUMEROUS FTC REPORTS SENT AND A POLICE REPORT THIS FRAUDULENT ACCOUNT IS STILL REPORTING NEGATIVELY AND IT IS HARMING ME. DELETE AND PERMANENTLY BLOCK THIS XXXX XXXX  ACCOUNT ( ACCOUNT NUMBER : XXXX DUE TO IDENTITY THEFT I REQUEST THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT FILE WITH IN XXXX BUSINESS DAYS AND PERMANENTLY BLOCKED, AS REQUIRED BY LAW FOR VICTIMS OF IDENTITY THEFT. ADDITIONALLY, I ASK THAT YOU SEND ME WRITTEN CONFIRMATION ONCE THE ACCOUNT HAD BEEN DELETED. IN LIGHT OF THE CFPB LAWSUIT FILED AGAINST EXPERIAN ON XX/XX/year> I RESPECTFULLY REQUEST THAT YOU CONDUCT A THOROUGH INVESTIGATION, AS REQUIRED BY THE FAIR CREDIT REPORTING ACT. PLEASE DO NOT ACCEPT THE FINDINGS OF ANY FURNISHER WHO HASNT PROVIDED COMPREHENSIVE AND DETAILED RESULTS. I ASK THAT YOU SHARE THE SPECIFICS OF YOUR INVESTIGATION, INCLUDING THE FURNISHERS RESPONSE, VIA MAIL. 

XXXX XXXX  ACCOUNT NUMBER : XXXX IS REPORTING THAT I HAVE XXXX LATE PAYMENT AND ON MY XXXX REPORT THERE ARE XXXX LATE PAYMENTS BEING REPORTED. PLEASE REINVESTIGATE THIS MATTER AND DELETE OR CORRECT THE DISPUTED LATE PAYMENT INFORMATION. PLEASE PROVIDE SPECIFICS OF YOUR INVESTIGATION INCLUDING THE FURNISHERS RESPONSE VIA MAIL. 


XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX of United Collections Bureau called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Consumer Dispute Regarding Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. My name is XXXX, and I am writing to bring to your attention several egregious violations of consumer protection laws by a collection agency, which have adversely affected my financial standing and consumer rights. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : I have recently discovered that the collection agency, despite its legal obligation under 12 CFR 1006.34 ( b ) ( 5 ), has failed to provide the necessary validation information. Shockingly, they have placed a collection on my consumer report without adhering to the mandated validation process, causing considerable harm to my credit standing. 

Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute the accuracy of the information reported about them. However, I have not been given a chance to dispute the account in question, violating my rights as a consumer and compromising the integrity of the credit reporting system. 

Violation of Consumer Rights through Deceptive Means : It has come to my attention that the collection agency is engaging in practices that violate my consumer rights by using false, misleading, and deceptive means. These actions not only damage my financial reputation but also undermine the trust and fairness inherent in consumer reporting. 

Unauthorized Furnishing of Account Information ( XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX 2 ( 7 ) ( A ) ) : The collection agency has taken the egregious step of furnishing my account information to consumer reporting agencies without providing the requisite disclosures mandated by law. This blatant violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) is a clear disregard for legal obligations, negatively impacting my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these violations and takes swift and appropriate action to rectify the situation. By doing so, we can work towards upholding the principles of fairness, accuracy, and transparency that are vital to a just financial system. 

I appreciate your attention to this matter and look forward to a prompt resolution that reinstates my consumer rights and rectifies the harm caused by these violations. 

Sincerely, XXXX XXXX
Product: Debt collection

I recently checked my credit report and found a charge for the following company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not taken out any loans being that I was not working for 5 years at the time of this charge. As far as I can remember military members and spouses are not able to apply for payday loans. Further upon checking my report I noticed a previous address listed as mine was nowhere near where we lived but was near this payday loan company. I want this collection taken off my credit report being as I never applied for it.
Product: Credit reporting 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.
Product: Mortgage

There was some type of discrepancy between my mortgage company and the escrow account of my mortgage, I recently received a notification that my mortgage was going to go up, about XXXX dollars every month for a period of one year. When I contacted the mortgage company for an explanation, they wouldnt give me a clear explanation of the matter. I did an escrow analyses, an noticed that the property taxes were not pay on time, which there was a late fee charge, and also the taxes were pay three times instead of twice. The name of the escrow company is ShellPoint mortgage services. I brought things matter to there attention but they still havent gotten back to me and they are being very unprofessional, as if they dont want to deal with it, and I dont think is fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been in touch with Wells Fargo directly and also through your system. 

We have Conformation # XXXX for payment on XXXX/XXXX/XXXX for {$XXXX}. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that Wells Fargo had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - Wells Fargo bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from Wells Fargo saying they received payment with correct full routing number and correct last four of our account number. Note from speaking with representative telling my husband that Wells Fargo just did not process. 

We were contacted by Wells Fargo saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my husbands. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help Us, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All the three credit reporting agencies , Equifax, XXXX  and XXXX XXXX  have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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: Checking or savings account

My name is XXXX XXXX and I am a customer with Santander Bank since XX/XX/XXXX holding a small business account with Ac # XXXX. Name on the account XXXX XXXX, XXXX. 
I was introduced to Santander Bank by your small business marketing Mgr XXXX XXXX. 
My account was compromised by {$12000.00} on XX/XX/XXXX which I found out when I reached the bank to send a international wire transfer which is a normal activity that I have done from my business account. 
My daily morning routine has been to check my account balance online and to ensure if funds have been made available and also to check if my issued checks have been cleared. 
On XX/XX/XXXX morning when I checked my balance I had {$16000.00} and the funds were fully available. That afternoon when I went at the XXXX XXXX branch in XXXX to make a wire transfer of {$9300.00} to my vendor overseas who supplies me with merchandise, I was informed by the banker that I did not have enough funds in my account to proceed with this activity as a domestic wire of $ XXXX was sent this afternoon. 
I was shocked and concerned at the same time and requested the banker to call the wire department to stop the wire as I had no knowledge of this and I did not authorize or make a request online to transfer funds anywhere. I have NEVER sent a wire ONLINE ever with Santander and have always gone to the branch to send a wire. This bank is right opposite my office building in garment district and all the bankers in that branch know me and also know that I have always been there to do a wire. 
I was sitting at that branch for 4 hours worried with what had just happened. I was assured by the banker to not worry as they will investigate this and get back to me as soon as possible. 
Today I am writing to you to ask for your help in getting this matter resolved. I am a small business owner and can not afford to have funds missing from my account. 
This thought is frightening to me that a bank which is considered a safe institution can easily be hacked/fooled in removing funds from your clients account. 
How does something like this happen at a bank? There has to be some sort of verification that has to take place before releasing funds from someones account. 
It was implied that my PC was hacked and that is where all this began. I have a PC with built in firewall and security and I check my business account, my personal account, my kids account my credit cards all from there. There was no problem anywhere except with Santander. 
I am beyond frustrated at this point as I am only getting a run around from all of this. I requested the bank to give me credit for the missing funds so I am not forced out of business and that too never came through. 
Please look into this matter urgently. I am hopeful now that I am reaching out to you all to look into this for me and help get this resolved as soon as possible. 
Thank You XXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

There was offer from XXXX XXXX XXXX XXXX XXXX ( XXXX ) card last year that adding each additional authorized user with the spending requirement I met would give main card holder XXXX XXXX per person. I added 3 users for total of XXXX XXXX, but so far I got only XXXX XXXX on XX/XX/2017. 
I 've waited 4 months so far and they are not giving me another XXXX + XXXX = XXXX XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX  Account Name : XXXX XXXX  Account NumberXXXX  Account Name : XXXX  Account NumberXXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Payday loan, title loan, or personal loan

I took out a loan from this company around XXXX for XXXX wherein I agreed to pay XXXX until the balance is fully paid with an APR of 13.47 %. Recently, I have made efforts to reduce the amount that I pay monthly in interest by making the monthly payment before the due date. I realized some months ago that the company is overcharging me in interest, effectively penalizing me for making early payments. 

Yesterday, XXXX, I reached the company by phone and the representative indicated that Instead of accessing interest to the current principal balance remaining, they are using some unreasonable ( maybe illegal ) method of calculation. For example, even though my balance is actually lower this month than last, Ive been assessed interest of XXXX as compared to the last accrual before payment of XXXX. 

I dont have a statement which I can provide since the company does not make statements available to customers. However, I do have an accurate inhouse accounting of my payments. One of the reasons I took the loan with this company was because they promised no penalty for early payoff of the loan but the way they are playing with the accrual of interest to accounts amounts to a penalty for early payment. 

The remaining balance on this loan now is XXXX and I am paying more in interest than I was at the beginning of the agreement. I told the company representative that what they are doing amounts to a scam but their representative informed me that there was nothing he could do about it. Even though I have never missed a monthly payment, Im being charged more for interest.
Product: Mortgage

Synopsis : We believe Rocket Mortgage is trying to force us into late or missed mortgage payments. They took over our loan from XXXX XXXX in XXXX, and they will not allow us to set up a monthly autopay for a recurring date before our due date. Our mortgage due date is the XXXX XXXX every month, and they keep insisting that our autopay can not be set up to draw on any date of the month prior. It is completely nonsensical, and we have always paid our mortgage in the month prior for XXXX XXXX and XXXXXXXX XXXX, our two previous servicers. 

Impact : This is causing a lot of administrative hassle for us, and if not corrected, will force us to make manual payments for the next XXXX years. We also believe others with a XXXX-month  due date may be subjected to this ridiculous policy and make mistakes that result in late payments. 

XXXX : XX/XX/year> : We were involuntarily transferred servicers from XXXX XXXX to XXXX XXXX. Our mortgage payments are drawn out on the XXXX of each month preceding the due date of our mortgage on the XXXX of every month. 

XX/XX/year> : Rocket Mortgage unsuccessfully transferred our autopay, and we submitted a manual payment in full. 

XXXX XXXX : Despite setting up autopay through Rocket Mortgage, the funds did not draw out. We set up another manual payment and contacted customer service to understand why autopay was not working. This was the first time they explained to us that they can not do monthly autopay for our mortgage payments because they must be set up to draw out the month they are due ( our mortgage payment is due the XXXX XXXX  every month ). 

XX/XX/XXXX : I called Rocket Mortgage, and their advice to was the set up autopay to draw out the XXXX XXXX  every month ( on the exact due date ) and take advantage of their " 15-day grace period '' for late payments given that the funds would not arrive to Rocket Mortgage for at least 2-3 business days after the due date. This is stupid, so I declined. 

XX/XX/XXXX : My wife called Rocket Mortgage, and their new advice was to set up twice monthly payments, because these are allowed to draw the month before for reasons Rocket Mortgage would not explain. We enrolled in this and payments for our XX/XX/XXXX payment were to draw out on XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX : Our bimonthly payment was correctly drawn out. 

XX/XX/XXXX : The app showed absolutely no record of a payment being drawn out or that it would be drawn out. The autopay date actually changed to XX/XX/XXXX- which we did not do. We set up a manual payment to cover the semimonthly amount. 

XX/XX/XXXX : Our bank records reflected two semimonthly payments being drawn out - meaning we overpaid. No record of any transactions in the Rocket Mortgage app. 

XX/XX/XXXX - XXXX : Originally emailed for urgent support on XX/XX/XXXX, and it took 2 days for Rocket Mortgage to reply. We have email chains with two separate customer representatives that steadfastly claim that it is not currently possible for us to set up autopay the month prior to our due date. They also refuse to escalate the issue further in their organization, which is why we're writing this complaint.
Product: Mortgage

I was approved for a Partial Claim and XXXX sent documents to sign which I did. 
They said the docs were notarized incorrectly so they sent me another package to have notarized. I resigned notarized and sent this 2nd package back XXXX  on XXXX XXXXXX/XX/. Now they have transferred the servicing to M & T Bank. as of XXXX XXXX and the new company is stating I am short on the escrow because of hazard insurance never being paid for renewal XXXX XXXX XXXX Why? 
Now the new M $ T Bank says they have no record from XXXX about any valid docs signed for the Partial claim and that my mortgage payments are going to be XXXX a month instead of the normal XXXXI feel as tho I am being setup for failure because they can not approve a new partial claim unless I pay the new XXXX immediately and I am currently in default. 

This is a second complaint against XXXX and a new 1st complaint against M & T Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX bankruptcy. This bankruptcy was discharged on XX/XX/2019. For some reason, Transunion refuses to update my bankruptcy to the correct status of discharged It shows as filed. As long as it is filed, creditors see that I have an open bankruptcy. I have disputed this item twice with Transunion to no avail. For a period, my case correctly showed as discharged. However, the status of the case went back to showing filed. This was updated within days with XXXX  and XXXX   and I didn't have to do a single dispute with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA name of accounts has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 account without my written instructions.
Product: Payday loan, title loan, or personal loan

They are charging me 624 % interest,
Product: Credit reporting or other personal consumer reports

I have contacted credit bureaus to dispute three accounts being reported without permissable purpose. That is a direct violation of my consumer rights and an infringement on my right to privacy. I have listed the US codes and the FCRA violations associated with this complaint. 

The three unauthorized accounts are as follows : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX  - Account Number XXXX XXXX The unauthorized reporting of these accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and several provisions of the United States Code. The FCRA violations include : 1. Section 1681b : Failure to obtain permissible purpose before accessing and reporting consumer credit information. 
2. Section 1681e : Failure to maintain reasonable procedures to ensure the accuracy of information reported. 
3. Section 1681s-2 : Failure to provide accurate information to consumers and credit reporting agencies. 
4. Section 1681s-2 ( b ) : Failure to correct or delete inaccurate information after receiving notice of a dispute. 

Furthermore, the unauthorized access and reporting of my credit information without permissible purpose violate the following United States Codes : 1. USC Title 15, Section 1681 : Congressional findings and statement of purpose.

2. USC Title 18, Section 1028 : Fraud and related activity in connection with identification documents, authentication features, and information.
Product: Credit reporting or other personal consumer reports

XXXX and Trans Union continues to report these false allegations incorrect information to my consumers credit report. 

XXXX and XXXX has already deleted and removed these incorrect items. 

I feel your company can be some assistance in this matter. Thanks for your help.