23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : TRANSWORLD SYSTEM INC/ Account Number : XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 card

I have 7 credit card accounts with Synchrony Bank. They have begun charging me a junk fee of {$1.00} per month to mail me a paper statement. The bank is showing net earnings of {$640.00} XXXXXXXX XXXX XXXX. They can send paper marketing material via US Mail but then charge me to produce and send a monthly paper document reconciliation of my account? This is corporate thievery and I can not believe the US Government allows this.
Product: Money transfer, virtual currency, or money service

I bought something off XXXX gave the payment thru cash app product never came cash app refused to refund my money
Product: Debt collection

Covington Credit/ SMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has reported that I owe {$890.00} on an accouint that was allegedly opened in my name in XX/XX/2017. I don't know this company nor do I have a contract with them with my signature on it. This company has not responded to my letters asking how did they validate the account was mine. It's been beyond the 30 days alotted for them to conduct an investigation. I have also filed a complaint with the FTC for possible identity theft which means they have to delete and supress this alleged debt in 4 business days from my consumer report.
Product: Checking or savings account

I went to make an urgent deposit into my Capital One account at an ATM in the XXXX  store at XXXX XXXX XXXX, XXXX, MA XXXX in XX/XX/19 at XXXX because I needed this money to be available to cover a debt on the same day, but the machine swallowed my deposit of {$570.00} and returned me {$30.00} saying they were kneaded and simply after that it shut itself down by restarting the system without completing the deposit in my account and giving me any receipt. I contacted Capital One but the same just said that I could just open a claim and wait for at least 7 days for the answer being that I needed my money right away and being that it was a problem even filmed by the cameras from their machine shop.
Product: Debt collection

I have previously wrote XXXX XXXX. Stating my health insurance will pay and the company must file my health insurance. I disputed the claim about the amount owed numerous times to XXXX. I asked them not to reach out to the credit bureaus because I disputed in the recommended time frame. I asked them to send me documents such as a signed contract stating I owe XXXX. They never sent it to me. However XXXX  sent a collection to the credit bureaus and I will like for them to remove the negative information ASAP ... 

The company in question is XXXX XXXX Located in XXXX SC XXXX is the account number
Product: Mortgage

Rocket Mortgage is refusing to remove PMI ( {$100.00} ) even though theyve agreed that my mortgage balance is less than 80 % of the appraised value. I called company on XX/XX/XXXX, the staff member initially told me the PMI should be taken off, then another staff said her manager told her that the investors will not allow it be removed until XX/XX/XXXX. Pls note that a mortgage finance review person told me that the PMI will be removed if I refinance. Once I said no, Rocket Mortgage is not interested in doing what is lawful. Ive paid over {$20000.00} off my loan since XX/XX/XXXX, Im XXXX, XXXX parent who wants to own my home outright in the near future, and wasting $ on PMI is a negative factor. Rocket Mortgage is taking advantage of a customer. Please help look out for my interests
Product: Debt collection

Central Portfolio Control Inc has contacted me on XX/XX/year>, XX/XX/year> and XX/XX/year>. Each time they realize I am not the person they are looking for. Each time I've asked that they update their records to reflect and to place me on their do not contact list. Each time they say that they will, and to date I am still receiving text messages from them trying to collect a debt that I have nothing to do with.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$58000.00} XXXX XXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXX XX/XX/XXXX {$450.00} Repossession XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1400.00} Late Payment XXXXXXXX XXXX XXXXXXXX - {$1600.00} XXXX XXXX  XXXX - {$16000.00} XXXXXXXXXXXX XXXX XXXXXXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$9600.00} XXXX XXXX XXXX  XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update these account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX sending the attached document via email and mail. XXXX has refused to remove this account that should not be reporting on my consumer report. Upstart is in violation of several laws and I am demanding deletion of this account on my consumer reports. 

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. Therefore this account should not be reporting on my consumer report. 

I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

XXXX  did not disclose this information to me that is required by federal law.

XXXX  knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.

XXXX  knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

I have also requested all correspondence sent via mail but XXXX continues to email me. I do not monitor email and I need every communication sent via mail to my address on file with the company.
Product: Credit reporting or other personal consumer reports

I got 2 Auto loans that is suppose to be in my brother name. One is from XXXX XXXX  for a XXXX  and the other is financed from XXXX. This has been negatively affecting my credit and has stopped me in the pasted from getting a new car and home. Additionally, there is a credit card from bank of america with a total balance of XXXX, that belongs to my brother. We are XXXX  and were born on the same day with the same first name ( different middle name ). However, we have different social security numbers to differentiate us. I had to make this report because there is too many inaccurate information for me to dispute from multiple credit companies. I can only do 1 dispute every 30+ days or when the investigation is completed. Also, I should have no credit inquiries for the month of XX/XX/XXXX. That was not me. That was my brother. Please assist me on this matter.
Product: Mortgage

In XX/XX/XXXX, my husband and I obtained a second mortgage for {$21000.00} from XXXX in Pennsylvania. The term of the mortgage was for ten or fifteen years ( we can not find the loan origination documents and the servicer refuses to send us a copy ). We subscribed to an additional mortgage insurance for approximately {$15.00} per month to protect us in the event either of us became unemployed.

I became unemployed that same year and the insurance we subscribed to provided coverage for our mortgage payments for a few months while I was between jobs. Once I went back to work, we resumed making the payments. I became unemployed again in XXXX and attempted to use the mortgage insurance again but we were told we no longer had it. We were quite confused because we did not ask to terminate the coverage and we believed we were still paying for it. 

Frantic because we wrongly thought we had the peace of mind of the mortgage insurance and facing foreclosure, XXXX told us that our only option was to modify our loan to avoid losing our home. They enticed us with a 6 % rate and a payment of just {$130.00} per month. Neither of us remember being told that the term of the loan would change or that there would be any changes to how the interest would accrue. 

XXXX has been found guilty of mortgage malpractice multiple times and no longer services mortgages like ours. We have changed servicers multiple times over the years and for at least two years, I have been requesting our loan origination documents as well as a detailed payment history from our current servicer Fay Servicing. My point in asking for these documents is because we have no proof of what we signed, the terms of the loan, etc. Our balance after fourteen years of payment is still {$16000.00}. To date, I believe we have paid over {$23000.00} towards this mortgage.

Due to the Covid-19 global pandemic, I had to close my small business in XX/XX/XXXX and my husband was let go from his role with XXXX XXXX XXXX XX/XX/XXXX. When we started experiencing financial hardship as a result of the pandemic, I reached out to Fay Servicing and explained that we were having trouble making the monthly payments. For our primary mortgage as well as credit cards, it was a simple form or phone call to attest to our hardship so we could receive accommodations. However, Fay Servicing said they do not have any Covid-19 protection programs and our only option to prevent foreclosure is to modify the term of the mortgage. I found this very odd. 

I would like to file a formal complaint against Fay Servicing as well as XXXX. I sincerely believe we are victims of predatory lending. Fay Servicing has failed to provide us with options to protect us against foreclosure, they claim the only way to assist us in the midst of a global pandemic is to modify and lengthen the term of the loan, and they refuse to provide requested documentation so we can understand why the loan is not paid off yet and despite paying at least {$130.00} for over 150 months, we have only reduced our balance by {$4500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this letter to report a violation of the Fair Credit Reporting Act ( FCRA ) by a creditor. I recently checked my credit report and found that the creditor had listed inaccurate information, which has negatively affected my credit score. The creditor did not follow the regulations laid out in the FCRA, which mandates that creditors must report accurate information to the credit bureaus. 

According to the FCRA, if a creditor fails to report the correct information, they have committed a violation that can be reported to the Consumer Financial Protection Bureau. I hereby request that an investigation be conducted into this matter so that the creditor can be held accountable for their actions. Additionally, I urge the bureau to take necessary action and ensure that the creditor corrects the inaccurate reporting to the credit bureaus. 

I believe the creditor has violated the law and my rights under the FCRA, and I request appropriate legal action to be taken. Thank you for your attention to this matter, and I look forward to receiving your response. 

Credit Report XXXX XXXX Inquires Dates XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed all inquiries 5 times Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am reaching out to you in regards to accounting issues with Resurgent Capital Services. The monthly balance on the account that this debt collector is trying to collect is inflated. I have tried to address this issue repeatedly but to no avail. My account used to be with XXXX XXXX XXXX. Upon transfer to Resurgent Capital Services an outstanding balance was in the amount of {$4600.00}. My monthly payments are in the amount of {$100.00}. Account transfer has occurred in the month of XXXX, 2018. Till present day I did not miss a single payment on the account ( have copies of all receipts with the postal service and money order slips ). However, Resurgent Capital Services is trying to overcharge me additional {$270.00}. According to my repayment agreement, I am not supposed to have any additional fess. Initial balance was in the amount of {$5500.00}, downpayment {$500.00} and monthly payments of {$100.00}.
Product: Mortgage

The issue was that this company gave us wrong information in regards credit score I had to open an investigation with the Credit Bureaus and contact them to find out that your company told us was extremely low we are talking about a credit score XXXX  to be lowered supposedly XXXX this outrageous. Also refuse to show us the scores nor give us the source of your third party company witch was extremely wrong. I wanted to stress this incident also it reflects the unprofessional service and malice and discrimination process to the FTC Credit Laws in our State.
Product: Checking or savings account

After graduating I applied for tons of jobs on XXXX  and a company named XXXX XXXX reached out to be by email to see if I was still in search of a position. I was and especially with the pandemic happening in the midst of all of this I am involved in a check fraud scam of {$76000.00}. I thought I was working as a XXXX   XXXX  XXXX  for the past couple of months ; XXXX XXXX and within this last month checks started bouncing and getting returned thats when I noticed I had been scammed. After months of cashing commercial real estate payments Bank of America started withdrawing funds out of my account that I had cashed for the company and now my account has gone into the negatives and if their investigation does not conclude that I am a victim and bank leaves my account alone, I will be in credit debt at the age of XXXX. This was a huge welcome to the real world after graduating college. Bank of America has absolutely not reconciliation for things like this and just because I have saved money from my college years they didnt think to alert me that the checks were fraud and completed the withdraw before verifying if they were false checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times requesting Equifax to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. An Equifax employee informed me that they have no right to send that me that information in how they " verified '' the alleged debt. Also, was told that they can only send me a letter that states, " unchanged, deleted or verified ''. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are  used to " verify '' an alleged debt. But with Equifax refusing to do so. Equifax has violated my rights as not providing documents in how this alleged debt has been verified. I called Equifax on XX/XX/2018 at XXXX.
Product: Credit reporting

Incorrect address is listed. The XXXX XXXX, CA address is not a valid previous address. I 've never even been to California.
Product: Debt collection

This debt is unverified and it is not my debt. XXXX has removed this debt on XX/XX/XXXX because it could not be verified. The other credit bureaus have not followed suit. If XXXX could not verify the debt how could the others verify it along with Radius Global? What was the method of verification.