23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Received a reply from experian today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It  May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a   Bankruptcy in I do not have a Tax Lien or Bankruptcy.
( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.     Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankrup tcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name-  XXXX  ,  XXXX  , Experian ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party research.      Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Money transfer, virtual currency, or money service

Fiserv XXXX XXXX XXXX XXXX XXXX XXXX They use the system in XXXX XXXX/checking account. Charges insufficient fundswith a hospital group ; XXXX XXXX XXXX. {$98.00}. XX/XX/2024. Processed confirmations # XXXX. I went ahead and disputed online with XXXX havent heard yet, through the mail or email. I have told Fiserv they ignore it. XXXX called as the collection agency and harass me repeatedly. This is my account # XXXX XXXX XXXX XXXX XXXX  that harass you. They give you a huge bill more than XXXX. I was in a car accident and I am being harassed in a car accident that was NOT at fault. Auto Insurance will NOT PAY. I have used my health insurance that destroy my credit because they paid at the end of the year.
Product: Debt collection

In XX/XX/XXXX, I made purchases at Lowe 's using the Lowe's/Synchrony Bank credit card for {$1200.00}. Because of an error made by the salesperson at Lowe 's, I was not aware that two Lowe 's accounts were opened in my name. I was making payments on only one account, and the other account, number XXXX, with the amount of {$1200.00}, was charged off. When I finally sorted out and resolved the situation, I paid a settlement amount of {$820.00} in 2 payments, one on XX/XX/XXXX and the second on XX/XX/XXXX. I am in the process of applying for a mortgage and a charge off on my credit report will prevent me from getting a low interest rate. My credit score was very good before this charge off was reported by Lowe's/Synchrony Bank . Since the mistake was made by a Lowe 's employee, the negative report of the charge off should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX BANK, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX BANK, XXXX BANK, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX is a financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX BANK, XXXX BANK, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX BANK, XXXX BANK, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. XXXX XXXX XXXX - Form of opt out notice to consumers ; opt out methods
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle lease through NMAC ( Nissan Motors Acceptance Corporation ) for 36 months, my lease ended XX/XX/2019, I had called Nissan several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXX and XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019 ( still within my grace period ). About 3 weeks later I received several phone calls from a rude agent named XXXX from Nissan Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to Nissan. After going back and forth with me for several minutes I decided that I didnt like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that NMAC reported a late payment ( 30 days past due ) to all 3 credit bureaus ; at this point, I was livid I called NMAC again the representative told me that I have never been late and he does not know what Im talking about. All the employees are so rude ( XXXX, XXXX ) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like NMAC chooses to report fraudulent information on peoples credit report. NMAC is nothing but FRAUD FRAUD FRAUD!
Product: Checking or savings account

On XX/XX/XXXX, 2024I was under the impression that my account was current but due to the bank procrastination to reply accrued banking information my account became overdrawn by {$71.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- this account has been disputed before yet these bureaus come back with " accurate ''. This can not be the case since I have my most recent report which shows XXXX showing NO LATES ; XXXX  showing 2 lates on XX/XX/XXXX & XX/XX/XXXX ; XXXX  showing lates XX/XX/XXXX & XX/XX/XXXX All three credit bureaus are reporting different information for this account. Since I have disputed the account before and got a generic response back I am demanding the immediate deletion of this account for the credit bureaus failure to do a proper investigation and continuing to report different information regarding the same account.
Product: Debt collection

I discovered an account on my credit from Midland Funding. I thought is was odd because I have lived at my current residence for 7 years and have had the same phone number for the same amount of time- I was never notified about the debt. 

That said, it is going on 90 days and I have yet to hear back from them ... however, they have contacted the credit bureaus are informed them that account number XXXX is my debt!!! 

I don't understand how this debt was placed on my credit ... .I was never offered the opportunity pursuant to the FCRA to dispute the debt if it were mine if I never received a collection notice? I don't know whom the original creditor is to try and get to the bottom of this. I have reached out to the XXXX  and the FTC as well to ask for assistance. This is unethical
Product: Mortgage

Since XXXX, I got behind my mortgage payments when the loan adjusted to an incredible payment. To my surprise, I had been given a pick a payment loan which I did not have any understanding of this loan. In addition, developed a terrible medical condition and I was not able to continue working I desperately call my lender/servicer Wells Fargo Home Mortgage requesting assistance with my loan to no avail. 
I continued to ask for assistance for a loan modification under the XX/XX/XXXX Settlement between XXXX XXXX XXXX ( who was the Attorney General back then ) and Wells Fargo for the risky adjustable rates mortgage they gave the people of California. I also had been pleaded with Wells Fargo to give me a modification under the ( HAMP ) Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage representative and agents. I was distress, the anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them and explained my difficult situation but it has not gotten me anywhere. 

I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method with the process of my loan modification and for prolonging the loan modification which I believe I am in title due to the grounds I mention at the beginning
Product: Mortgage

To whom it may concern, My mortgage servicer. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX the investor is Deutsche Bank. 
On XX/XX/XXXX my mortgage was modified. I really wasn't paying attention to the amortization until XX/XX/XXXX. After I did some calculation I realized that the terms of the note where changed without disclosure. You should also know that I had to discharge a BK in XX/XX/XXXX and my attorney unfortunately forget to reaffirm the mortgage so I am worried if I keep pushing for answers the investor will or may call in the note. I have never missed any payment since the modification went into effect and my credit is excellent now so I can refinance it with no issues. My background is mortgage origination and I have my NMLS number so I understand mortgages. 

I have been concerned about why my principal balance not agreeing with the amortization schedule. After doing several calculations I finally figured it out what happened. 
The payments were calculated with the following terms. Year 1-5 of the modification was at 40 years. Year 2 was at 35 years and the now its at 34 years. When I reviewed the modification contracts and note there is no disclosure ( s ) that the terms were changed. Also the maturity date didn't chance so how can the maturity date stay the same but the terms changed. 

Basically even-though I have a modification agreement disclosing the new payments I don't have have any disclosures that the terms changed. I hope it make sense how I am trying explain it. If you need anything else please let me know. 


Thank you in advance and I look forward to hearing back from you.
Product: Credit card or prepaid card

This complaint is regarding Care Credit XXXX FL. 
In XX/XX/XXXX my son had XXXX XXXX XXXX and this credit card was recommended, interest free. The Initial Fee was {$4900.00} for the XXXX. After either a year or 2 years, the balance was n't paid off, so they accrued interest back from the original amount and added to our amount due. Interest rate is 26.99 %. From opening date in XX/XX/XXXX thru XX/XX/XXXX I had paid {$8500.00} on this account, still leaving a balance of {$3400.00}. 
I spoke with XXXX XXXX requesting a settlement amount to clear this account ; because I am never going to get them paid off! Her answer to me was " their system did not allow settlements on accounts '' meaning I was stuck with the balance of XXXX XXXX! 
I continued to pay, approximately 700 - 800 more, up to this point. Thus far I have paid approximately {$9200.00} for a {$4900.00} XXXX, and still owe somewhere around {$3000.00}! I totally feel I have more than paid this account in full! However, I have to continue making payments, or they will ruin my credit. This company is taking advantage of customers who need assistance with medical, dental, or eye procedures. They talk the card up, its easy to get, then you are slammed like I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX Transunion doesn't respond to my mails. This account is not ine. 

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

On XX/XX/2023 I Sent XXXX XXXX XXXX, a certified letter through USPS requesting Validation of debt for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars as reported on my Credit Report, as of XX/XX/XXXX XXXX XXXX has failed to Validate that debt for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars, Further more XXXX XXXX XXXX has violated FDCPA section 1692E ( 8 ) failure to mark my XXXX, XXXX and Equifax account Disputed during the period of XX/XX/2023 to XX/XX/2023. I've downloaded through CFPB Portal Proof of the USPS Certified mail, date when it was sent and date when they signed for it. Note : I sent two letters asking to Validation debt letters to XXXX XXXX XXXX, one is for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars, And the other is XXXX for XXXX XXXX XXXX  XXXX Dollars, That I've recently disputed for the same issue.
Product: Money transfer, virtual currency, or money service

for over 4 years i have been told that they closed my account because I violated the terms and all I did was pay my bills thru my multiple cash apps and had to make new ones and they still would close my account for the same reason.
Product: Debt collection

My loan with Amerihome Mortgage came off forbearance in XX/XX/XXXX. An escrow anaylysis was done in XX/XX/XXXX that will increase my payments by {$220.00} starting in XX/XX/XXXX. I have contacted this servicer numerous times by phone call and email correspondence to spread the outstanding escrow shortage by 60 months as provided in the XXXX XXXX for XXXX XXXX loans. 

I have been unable to get this process done because the lender keeps moving the goal post. At tfirst the XXXX i spoke with said i could just request this over the phone, which i did. but that wasn't enough. Then i got an email that said i needed to send in a " wet signature '' request, which i did. But then again, that wasn't enough because they claim they couldn't open the document i sent it in. I'm not sure what else to do at this time. It seems like this servicer is making XXXX  excuses and running circles around me to get me frustrated and give-in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXXXXXX XXXX  XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

The Credit Reporting Agencies never did a proper " investigation '' according to the FCRA.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this!

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report.

The Credit Reporting Agencies stated my account 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 inaccurate. This is grounds for removal.

They also violated the law because according to : 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I did not give anyone or Credit Reporting Agency written instructions.
Product: Credit reporting or other personal consumer reports

I am the victim of Identity Theft verified through FTC Identity theft Report # XXXX filed on XX/XX/year>, XXXX XXXX XXXX Police Department ( XXXX ) XXXX Report # XXXX, there are 6-fraudulent accounts on my credit report that I have repeatedly disputed with Experian, XXXX, and XXXX without the accounts being investigated, blocked or corrected, I repeatedly receive dispute responses telling me that the fraudulent accounts " have been verified '', I need assistance.
Product: Debt collection

I am being repeatedly robo-called by the Credit Protection Association " on behalf of the XXXX XXXX XXXX  XXXX. '' I do not have any outstanding debt, as I have never had ANY debt, related to the XXXX XXXX XXXX XXXXXXXX. 

I have contacted the Credit Protection Association twice, which can not find any of my idenitifying information anywhere in their records -- -including my phone number, which continues to receive automated calls daily -- -and have been advised that because they can not find me/my phone # in their system/database, they can do nothing to stop the calls. 

Therefore, I have also contacted the XXXXXXXX XXXX XXXX XXXXXXXX directly, which confirmed that the Credit Protection Association is an in-house debt collection agency, and also confirmed that I am not in their database, and do not owe any amount -- -yet, they too claim to be powerless to stop the automated calls I am receiving daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to this company several times during my hardships because of XXXX They indicated to me that my report could be corrected regarding the late payments. My report is showing 60 days past due which it is not. I feel since I had discussed my situation with the company and accommodations were made, under the Cares Act I should have some protection from this. Not only have this negatively affected my credit tremendously, it has made it impossible to receive any financial assistance to help my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began using freedom debt relief to try and settle debt after a separation and ongoing divorce. I noticed that I had paid nearly {$250.00} in fees for one month, with a projection of {$97.00} for the next month while only paying down on one debt. They charged excessive fees, and when I called to cancel my account and withdraw remaining funds I was told there will be more fees and that they will return the balance in around 3 weeks.

Completely unhelpful and refusing to give back money that is not theirs!
Product: Debt collection

I requested validation of this debt XX/XX/XXXX that they claimed was charged off XXXX in XX/XX/XXXX account number XXXX. As of today they still have not validated the debt or showed any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay their company. Please provide the requested validation bearing my signature or cease the collection efforts and reporting of this account on my credit reports immediately.