23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and a lot more inaccuracies. I've attached XXXX, XXXX and XXXX credit reports. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given this account written permission to furnish this account on my credit report as well
Product: Vehicle loan or lease

I HAVE AN ACCOUNT WITH YAMAHA FINANCIAL SERVICES/YAMAHA MOTOR FINANCE. I HAVE PAID WAY ABOVE THE MIN REQUIRED PAYMENT SINCE I TOOK THE LOAN OUT FOR MY NEW 2020 YAMAHA BOAT. WHEN I CALLED THEM THEY ADVISED ME THAT MY INTEREST PAYMENT IS IN ARREARS. THIS CAN NOT BE POSSIBLE. I HAVE REQUESTED AN AMORTIZATION SCHEDULE FOR MY LOAN AND A STATEMENT OF ALL PAYMENTS MADE WITH A BREAKDOWN OF HOW EACH PAYMENT WAS APPLIED AND THEY REFUESED MY REQUEST. I AM NOT SURE WHAT ACCOUNTING SYSTEM THEY ARE USING BUT SOMETHING IS WRONG HERE. THERE IS NO WAY I AM BEHIND ON INTEREST PAYMENTS FOR THIS ACCOUNT. THIS IS MY SECOND REQUEST TO INVESTIGATE HOW YAMAHA IS HANDLING MY ACCOUNT. SOMETHING IS NOT CORRECT HERE. THIS LOAN IS A 15 YEAR LOAN, NOT A CREDIT CARD. EACH PAYMENT SHOULD CONTAIN PRINCIPLE AND INTEREST PAYMENTS. I HAVE MADE PAYMENTS OVER THE AMOUNT REQUIRED TO PAY TO KEEP THIS ACCOUNT CURRENT. THERE IS NO WAY I AM IN ARREARS IN INTEREST. CAN SOMEONE PLEASE INVISTATE THIS COMPANY. I NEED AN AMORITIZATION SCHEDULE AND A COPY OF MY COMPLETE PAYMENT HISTORY. PAYMENT HISTORY ATTACHED.
Product: Student loan

I had Navient student loans and when i was in default years ago was pressured to consolidate them. I see Navient was sue and i have never heard from them on the lawsuit settlement. I was pressured to consolidate them but i can not l find how to contact them. When it appears they were to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My FICO score dropped by 43 Point just in a Day on XX/XX/2020. I was excellent FICO score person and it was big drop without any big reason. I have not applied for any Mortgage or Loan Just I applied a XXXX Credit Card. I feel Experian intentionally dropped 43 point FICO score just because of this so that I can take some services from them to improve my FICO score. Please help me to correct my FICO Credit Score. Thanks
Product: Mortgage

I had my mortgage with XXXX since XXXX. In XXXX I lost my job as a XXXX. I asked XXXX to give me a short term loan to cover property taxes until I could sell a property I owned. They said no. Even though I was a long term good customer. I borrowed the money on line, Paid the taxes, but they raised my monthly payment and turned my loan over to Shellpoint, a collection agency. When I lost my job again in XXXX, I missed 5 payments. I notified them that I had sold the property and closed for cash on XX/XX/XXXX. When the check cleared. I sent Shellpoint {$10.00}, then {$10000.00} and another {$10000.00}. I calculated I owed {$2100.00} x 5 and {$100.00} x 5 for penalties plus the {$5200.00} for the first payment of taxes. I later paid the second payment of {$4200.00} myself. I have been trying to right my account. The last modification Shellpoint sent me was for {$2200.00} for 40 years. That would come to {$1.00} XXXX. Plus a prepayment of over {$24000.00}. Paying the previous payment would be {$380000.00} plus taxes about {$150000.00} total {$530000.00}. They have funds of mine on hold. Not in escrow, for over {$20000.00}. They refuse to release them and apply the money to my mortgage. They also have not sent me an IRS form so I can deduct the amount and file my taxes. They have threatened me twice with foreclosure even though I have paid over {$70000.00} and can prove it.they have reported to the credit bureau that I havent paid in 229 days when I have paid them 4 payments of as Shellpoint requested when XXXX contacted them earlier this year. I requested a written explanation of the extra amounts they are demanding. I also requested of XXXX XXXX that I be sent the IRS form 2 weeks ago and have received nothing. I am XXXX XXXX XXXX and on Social Security. I would like this resolved. I feel like they just want to take my house which is niw worth around {$490000.00} or more. Please help me.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX to dispute this account as I did not authorize it on my report. My identity was stolen due to the Equifax data breach. There are multiple addresses and dates that I do not recognize. I asked XXXX to provide proof of this account, but nothing was done to rectify this issue. Please see the accounts below : XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX  Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX ) Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX XXXX XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above. 
XXXX XXXX  ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above.
Product: Mortgage

According to XXXX XXXX ( Original Lender ) our mortgage account was sold to XXXX XXXX and in turn sold to Rushmore Loan Services on XX/XX/XXXX. All servicer 's without exceptions violated Federal Rule 1024.33 ( a ), 1024.33 ( b ) ( 3 ).  We have NOTreceive notices from any of the above servicer 's regarding the transfer among the different lenders. XXXX XXXX does not exist any longer therefore took us years to here from XXXX XXXX, and was told the loan was sold to XXXX XXXX. The company stated that the loan was sold to Rushmore since XX/XX/XXXX. Sometime on or before XX/XX/XXXX, I contacted Rushmore and convey that had yet to receive notices of transfer and mentioned the Federal Rules .These notices must be sent to the PROPERTY ADDRESS PURSUANT TO THE ABOVE MENTIONED FEDERAL RULES. Few weeks later after our phone conversation the servicer tried to cover their error by sending mortgage statements. The servicer acquired our loan on XX/XX/XXXX, yet failed to send notices of transfer, nor provided with notices in regards to being the new servicer, Nor statement until XX/XX/XXXX. The servicer wasted valuable time while we could have applied for a loan modification years ago. It appears on its face that Rushmore does not follow Federal Servicing Rules or have any respect for the above mentioned Federal Rules. At this juncture we want to retain our property and are interested in home retention. We have provided Rushmore with a loan modification request.
Product: Credit reporting or other personal consumer reports

I took an Auto loan out with Santander Consumer USA in XXXX I am behind on payments and asked several times to have an arrangement which they declined I was checking my credit score today and noticed a Hard Inquiry to my report from them on XX/XX/XXXX WITHOUT MY PERMISSION!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to correct multiple inaccurate late payment notations on my credit report. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting under 15 USC 1681e ( b ) and the right to privacy under 15 USC 1681a ( 4 ). Upon reviewing my credit report, I identified six accounts where late payments were inaccurately reported and should be updated to reflect a " Paid as Agreed '' status. These accounts include XXXX XXXX ( Acct # : XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX  XXXX ( Acct # : XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX Acct XXXX XXXX XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX  ( Acct # : XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX ; XXXX XXXX ( Acct # : XXXX ) with late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX ; and XXXX  XXXX ( Acct # : XXXX ) with a late payment in XX/XX/XXXX. 

Experian has failed to conduct a proper investigation as required under 15 USC 1681i ( a ). Additionally, under 15 USC 1681b ( 2 ), a consumer reporting agency may only furnish a consumer report by the written instructions of the consumer. I never provided written authorization for Experian to report these inaccurate late payments. By failing to ensure accurate reporting, Experian has not only violated federal law but has also caused significant harm to me, including defamation of character, emotional distress, and financial hardship. Due to these inaccuracies, I have been unable to secure a mortgage, which has left my family in a vulnerable housing situation. 

I am requesting that the CFPB investigate Experian 's failure to comply with federal law and take immediate corrective action. I demand that Experian update the accounts to reflect a " Paid as Agreed '' status, provide written confirmation of the corrections, and issue an updated copy of my credit report within 14 days. Experians negligence in reporting and failure to correct these inaccuracies violate my rights under the FCRA, and I urge the CFPB to intervene to ensure compliance and accountability.
Product: Prepaid card

I was getting unemployment pandemic relief money from Bank of America and shortly after I started getting unemployment benefits paid on the card they froze the card because they wanted me to prove identification. I tried to do that but it was too difficult because of how I was supposed to do it and because I was homeless do to losing my job I didnt have the resources to do so .. and I know it was a long time ago but I know Bank of America got paid that money from Edd to pay me and I was awarded the money so its mine and I need it now. So I wasnt able to ever receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothersome! The Credit reporting agencies have not yet complied with the Fair Credit Reporting Act section 605b and continued reporting the disputed Fraudulent accounts and information on my Credit File. I have read that the Credit Bureaus are required to remove any account and information that resulted due to Identity theft, under the Fair Credit Reporting Act section 605b. However, the Credit Bureaus have been ignoring my disputes and as well as the CFPB Complaints I have been submitting. Once again, I was a victim of identity theft and the disputed accounts and information were the results of such crime. I never authorized anyone to use my personal information to open or inquired about any account on my behalf and that the accounts were opened due to fraudulent transaction. I am submitting this CFPB Complaint to you today to request that the Credit Bureaus completely remove the disputed accounts and information that resulted due to identity theft. I previously sent a disputed letter addressed to the Credit Reporting Agencies with complete attachments of my personal identifying documents and I have been waiting for their response since then. The Credit Bureaus have failed to respond to my letters and have claimed that the disputed items were mine. By the provisions of the FCRA section 605b, I am requesting that the Credit reporting Agencies remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$500.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$8000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$50.00} XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX, I visited Fifth Third bank for receving overdraft charges XXXX for XXXX at the close of the business XX/XX/XXXX, my checking acct showed to XXXX negative, by Monday, I was accessed these fees stating this was due to overnight processng and no other information was available when asked how do I monitor this information besides phone in to bank or bank application no explanattion was provided. 

This is the XXXX  time I have received these type of fees. I have been charge over {$500.00} for a total of maybe {$99.00} I am asking these funds be reimbursed to me
Product: Credit reporting, credit repair services, or other personal consumer reports

The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account fedloan account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.
Product: Mortgage

I have a situation where I have two mortgages that were passed/sold/given to a mortgage servicer during XXXX time when XXXX XXXX XXXX XXXX collapsed. The servicer was XXXX XXXX, which morphed into XXXX which has since morphed again into XXXX/Loancare. The first two iterations were the same people & I suspect the current company has some or all of the same employees as well. During the time I was stuck with XXXX XXXX I had 3 different attorneys on them due to their outrageous behavior that was borderline criminal. No, I'm not exaggerating or making this up. Now I find myself in a situation due to the Covid pandemic where I've applied for help with the current servicer XXXX XXXX/ Loancare & have heard nothing. I applied on XXXX XXXX on their website for Application for Forbearance & both were accepted. I have the receipt confirmations for both. Their site stated that at the outside they would contact me in 3 days I'd have a determination on my two loans which are held by XXXX XXXX. That was 3 weeks ago. To date I have not received a response back. They did manage to find the time however to raise my mortgage payment for one property for escrow. Seems they have time to send me notification of that but not respond to my valid applications. The economy is locked up, I've had a direct loss due to this, prospective clients are not working hence unwilling to pay me. I can easily see a scenario unfold where I'm still waiting for them to respond & have not & I'm at my next payment due date of XX/XX/XXXX. Both mortgages are current & have NEVER been late, with anyone EVER. I've directly contacted the State of Michigan who referred me to XXXX XXXX XXXX XXXX who referred me to your agency. I also tried calling XXXX/Loancare & the phone was not answered. It had a voicemail loop directing me back to website so I could apply online which I'd already done. To say I don't trust these people can't begin to describe my concern. 

Thank you for your time & assistance.
Product: Debt collection

The company XXXX XXXX XXXX XXXX has been harassing me and trying to contact me for a collection that is not mine. Its for {$1500.00} and its from the cash store which when I looked it up is located in Texas and I live in XXXX XXXX Ive been dealing with identify theft and credit card fraud from my ex girlfriend XXXX XXXX XXXX and I am sure she did this. The company even somehow got ahold of my dads number ( which is very private ) and asked for my whereabouts and he said it was very threatening. Ive called them to tell them its fraud and XXXX XXXX is the worst and sketchiest salesman.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to dispute and request the immediate removal of an inaccurate credit account from my XXXX credit report. The account in question is related to a XXXX XXXX card service and has been inaccurately reported for the past seven years. This erroneous information has greatly tarnished my creditworthiness and compromised my financial stability. 

I have taken proactive measures to address this issue with other reporting agencies, whereby the disputed account has been duly removed upon proper verification and investigation. However, it appears that XXXX has failed to acknowledge this resolution, thereby placing an unnecessary burden on me without sufficient cause or justification. 

The discrepancies within my credit file are not only damaging but also constitute violations under several provisions of the Fair Credit Reporting Act ( FCRA ). As per my understanding of this legislation, I would like to bring your attention to the following breaches : Section 611 ( a ) ( 1 ) ( A ) " Permissible Purposes '' : Based on this provision, XXXX is required to ensure that the information contained within my credit report is accurate and reflects the true state of my credit history. The inclusion of this inaccurately reported XXXX XXXX card service account directly contradicts this requirement. 
Section 607 ( b ) " Accuracy of Information '' : XXXX is obligated to conduct a reasonable investigation into any disputed information found within consumer credit reports. Despite fulfilling the necessary steps to rectify this matter elsewhere, XXXX 's failure to promptly investigate and remove this inaccurate account constitutes a violation of this section. 
Section 611 ( a ) ( 5 ) ( A ) " Prompt Notice of Reinvestigation Results '' : According to this provision, XXXX is required to inform consumers of the results of any reinvestigation conducted. I have not been provided with any notice regarding the status or outcome of the investigation into my dispute, which further suggests non-compliance with FCRA requirements. 
In light of these aforementioned FCRA violations, I kindly request that XXXX : I thank you in advance for your prompt attention to this matter. Your swift action will greatly assist me in resolving this unfair situation and restoring my accurate creditworthiness.
Product: Checking or savings account

On XX/XX/27 two wire transfers were made to my account, for my job. I had just started this job with The XXXX XXXX XXXX, who I believed to be a financial firm who works with cryptocurrency. They instructed me to pull the funds from my account and purchase bitcoin at a bitcoin atm for the client. I did so, then a few days later, they reversed the wires. At this time, I contacted the company and asked what was happening, they stopped answering my calls and emails and at this point I realized I had been scammed. Now, what I am filing a complaint about is with XXXX XXXX. I have been a client with them for almost a decade and have always been in good standing with them. When I talk to them, they treat me like I had a hand in this, have implied that I am not smart for even taking a " job '' such as that, and have basically told me I am screwed and that I " spent '' the money myself. As well as now being labeled a risky client to them. ALL of my funds have been placed on hold, to repay the person who reversed the wire transfer, which was clearly the persons plan all along after receiving the XXXX. With no resolution date and even a guarantee that my money would be released. I have now had to completely uproot my business with XXXX XXXX and find another financial institution. Which I did not want to do. The amount of money that was in my account prior to the wire transfer is all I wanted to be released back to me. One account had XXXX in it, the other had XXXX. They are basically siding with these other people instead of their client, putting me and my family in a bind unnecessarily. I would like there to be some kind of reason as to why I am the one responsible to pay these fraudulent wires back.