23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation other loans XXXX XXXX FRCA Violation collection XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation auto loan late payments XXXX
Product: Mortgage

This is not a complaint yet. But my mortgage is due to be transfered from Citimortgage to XXXX XXXX for " mortgage servicing ''. None of the reviews I read give this company a good rating. Their stories are nightmares of multiple deliveries of documents that are never received, no delinquency in payments yet the mortgage holder reported to credit agency for late payments, money taken unauthorized from bank accounts the list is long and absolutely frightening. This is made more so by their inability to correct their situation. I am about to become one of their cash cows!! I can't say customer because that will be Citimortgage. They are the one to be kept happy not me. I am feeling powerless already. 
XXXX XXXX for President????????
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XX/XX/XXXX account # XXXX, XXXX Government account # XXXXXX/XX/XXXXaccount # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXXXX/XX/XXXX account # XXXX, has violated my rights. I looked at my Transunion credit report on XXXX, XX/XX/XXXXand noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

Credit Karma promised that my tax refund would be available to me six days early, So i opened the account with them.They deposited the money in their new account opened and mainatined by XXXXXXXX XXXX XXXX 

Credit Karma withdrew {$1000.00} from my connected checking account/ XXXX XXXX {$1000.00} without my permission. This happened on XX/XX/XXXX. 

I complained to CK that money was withdrawn without my permission and asked that dunds be returned back to my account. 

They opened a case number Case # XXXX on XX/XX/XXXX I have been emailing constantly to get an update on this case on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They say case/ investiagtion is pending. I have sent requested documents to verify my identity. 
I have called them on two occasions to find out what is happening. 
on XX/XX/XXXX and again on XX/XX/XXXX at XXXXXXXX XXXX PST. They disconnected call saying no one was available and to call back. 

CK has withdranw my fund without consent and has now frozen them. I ask that this be looked into as my rights over my own funds are being infringed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer under title 15 USC chapter 41. I sent certified mail return receipt on XX/XX/21 outlining federal law 1681a ( 2 ) ( B ) which states : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a 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. Notice, congress said ANY card. The credit card is my social security card. This is the card I used to originate every consumer credit transaction listed in my complaint. They should all be removed from my consumer report Pursuant to USC 1681a ( 2 ) ( B ).
Product: Credit card or prepaid card

On Friday & Sat. XXXX XXXX and XX/XX/21, I tried again on Mon XX/XX/21 I spoke with 3 customer service reps. a supervisor and a manager. In regard to me trying to pay my monthly bill with Capitol One, with my XXXX XXXX secured debit card which I put my cash money on to pay my bills. I paid another bill with no problem with the XXXX XXXX secured debit card. This is the second time I have had an issue with paying my bill, the last time ( a couple of months ago ) I had a {$50.00} gift card that I was unable to make a payment with. I had to go get cash, put it on another card in order to pay. I feel that I should be able to pay my bill regardless to the type of card that I have as long as the funds are there to complete the process. They would definitely penalize me if I was late. In the meantime they are charging me interest daily when its there process that's deterring me from making the payment. If they don't want me to pay. Then release me from the full responsibility of the debt. The account is already closed and its still accruing interest. Which I don't see why, because if the account is closed, it should be closed to them as well, were they shouldn't be able to still add to the account. I owe the money and I fell on hard times is the reason I got behind but I am trying to redeem, myself working on my credit. So, these obstacles that I am being presented with is ridiculous. They want to suggest that I use another account, or card. They are in no position to suggest anything to me. Just take the payment!!!!! or Release me of my Obligation!!!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Fraudulent and Inaccurate Accounts To Whom It May Concern, I am filing this complaint regarding several fraudulent and inaccurate accounts that are being reported on my credit report. I have attempted to resolve these issues through the appropriate channels, but the inaccuracies remain. Below are the details of the accounts in question : XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Accts o Account Number : XXXX o Balance : {$240.00} o Dispute Reason : The collection agency has failed to provide any verification or valid documentation for this account. I request that this account be removed immediately, as it can not be verified. 
XXXX. 
XXXXXXXX XXXX  o Account Number : XXXX o Balance : {$3900.00} o Dispute Reason : This is a fraudulent account. As per 15 U.S.C. 1681, I request the immediate deletion of this account from my credit report. 
XXXX. 
XXXX XXXX XXXX o Account Number : XXXX o Balance : {$600.00} o Dispute Reason : I have never owned a credit card. As per 15 U.S.C. 1681, this account is inaccurate and must be deleted immediately. 
XXXX. 
XXXX XXXX XXXX o Account Number : XXXX o Balance : {$960.00} o Dispute Reason : I have no knowledge of this account. Only one bureau is reporting this account. Per Section XXXX of the Fair Credit Reporting Act ( FCRA ), any account that is potentially inaccurate must have the reporting party 's address conspicuously listed. This requirement has not been met, and I request this account be removed. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX Creditor : XXXX o Account Number : XXXX o Balance : {$1100.00} o Dispute Reason : The collection agency failed to provide any verification or valid documentation for this account. Please remove this account immediately. 
These accounts are either fraudulent, unverifiable, or inaccurately reported. I have attached supporting documentation, including a copy of my identification, my credit report with the disputed accounts highlighted, and any other pertinent documents. 
I respectfully request the CFPB investigate these matters and take appropriate action to ensure these inaccuracies are corrected. I also request written confirmation of the investigation results and the steps taken to resolve these issues. 
Thank you for your attention to this matter. Please do not hesitate to contact me if additional information or clarification is needed. 
Sincerely,
Product: Mortgage

Sometime in XX/XX/XXXX, my wife and I went into mortgage forbearance under the Cares Act of 2020. Our Mortgage Company, XXXX XXXXXX/XX/XXXX automatically granted us 3 months of forbearance. We extended it by another 3 months before XX/XX/XXXX and were scheduled to end our forbearance at the end of XX/XX/XXXX. 

Sometime in XXXX, I called my mortgage servicer, Phh Mortgage Services, to see the steps I needed to take to transition smoothly from a mortgage forbearance back into a regular mortgage and was told we would be put through a loan modification process that would involve 3 trial payments of {$2100.00} each for three months starting XX/XX/XXXX. 

We made all payments on time and in full with no problems but now we have a few issues with PHH Mortgage Services that they seem unable or unwilling to resolve. 

1. Sometime between XXXX and XX/XX/XXXX PHH Mortgage Sevices reported our mortgage loan account as being in default to credit reporting agencies. This affected the credit scores of both my wife and myself in a big way. 

2. The modified loan term that was sent to us increases our principal from its original amount by adding accrued interest over the period we were in forbearance. Escrow fees were also added. This increases our loan balance from {$360000.00} to {$360000.00}. 

3. Our interest rate was increased under the new terms from 3.125 % to 3.25 % 4. It is indicated in the terms that after we sign, there will be more fees, costs, or corporate advances that will be added to our loan. 

5. We have till XX/XX/XXXX to agree to these new and completely illegal terms under the Cares Act of 2020, or else we will not be able to get a loan modification. 

Basically, The terms from PHH Mortgage Services take my mortgage from a balance of {$360000.00}, an interest rate of 3.125 % with 29 years worth of payments left to a balance of {$360000.00}, an interest rate of 3.25 % with 30 years left to go. All payments made previously have been completely wiped out. With severely damaged credit done by PHH Mortgage Services so I am not even able to get better terms from someone else.
Product: Vehicle loan or lease

On XX/XX/2022 I was in an accident with my vehicle my insurance company deemed it a total loss. I paid my car note to Wells Fargo auto loan for XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX the insurance company received the full amount for the car to be paid off. I also received money from Wells Fargo auto loan for overpayment after they received the checked from my insurance company. Yesterday I woke up to many alerts stating that I didnt fulfill my auto account and Im 60 days past due. Im in the process of moving this has dropped my credit score tremendously. This was an error on their end.
Product: Credit reporting or other personal consumer reports

Inaccurate names reported on consumer report : A XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate addresses reported on consumer report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

My check was not credit towards legal tender for me XXXX use as it was a result of pain and suffering and I am still going troughs pain and suffering checking account XXXX check information THE CITY OF XXXX XXXX OFFICE OF THE COMPTROLLER - DEPARTMENT OF FINANCE IS AUTHORIZED TO PAY OUT OF THE CITY TREASURY THE AMOUNT SHOWN XXXX PER XXXX ON FILE AT THE AGENCY SHOWN ON THE PAYMENT WARRANT STUB XXXX XXXXXXXX XXXX XXXX  Dollars Check No : Date : XXXX XX/XX/2022 XXXX XXXX PAY TO THE ORDER OF : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX ********* XXXX NOT VALID 180 DAYS AFTER THE DATE OF ISSUE FOR COMPTROLLER COUNTERSIGNED XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXhese XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have just learned that my information was involved in various data breaches over the past 10 years, and more recently my identity was stolen from my friends vehicle in 2022, which has resulted in various inaccurate addresses and phone numbers being attached to my report. I have attached a copy of the police report in this regard. 
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15 USC 1681 section 602 states : I have the right to privacy.

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

Under 15 USCS 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. No information was mailed to me at all and specifically no information was mailed to me within 21 days. 

The reporting of these late payments are not only a violation of various federal protection laws but they also have severely abused and harmed my reputation and ability to obtain credit from various lenders which has caused me to injury in various ways. 

Please remove this account from all of my reports. I have written to all XXXX credit reporting agencies multiple times stating that I do not recognize how the Chief Financial Credit Union account is reporting on my credit reports, I do not recognize the account number, the account status, the account high balance, nor do I recognize the late payments associated with it, everything reported here does not meet the FCRA. Please remove this account from all of my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached Doc Despite my previous written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. Why is this errouneous reporting showing a balance owed if the account was charged off? INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 



I am writing to request the immediate deletion of this information provided to you by XXXX XXXX that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court proceedings such as Dixon-Rollins v. Experian Information Solutions
Product: Credit card

I believe the account is invalid. BARCLAYS BANK DELAWARE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. BARCLAYS BANK DELAWARE XXXX
Product: Vehicle loan or lease

SST Systems phone XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX Amounts {$9300.00} added to account for forced insurance without contact or knowledge they said they had the wrong address but there records were correct. 
they were sent the insurance and failed to credit the account when asking for payoff they added it to the account and i was never aware of it except for going back and asking for a statement which they have failed to produce. 
they illegally back dated insurance policy and wont produce the policy. 

total scam they add money to the payoff and nobody knows when you ask for a payoff it is all included and never disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortagage loan was recently transferred and closed with old mortgage lender. Transunion dropped my score XXXX points. Why, this was a transfer, was was this reporteded negatively. This damaged my credit tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXs incorrectly reporting a collection amount of {$3700.00} on my credit report. I have previously reported this information on numerous occasions and it has yet to be resolved. This company has repeatedly taken advantage of me in the past. 


The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.
Product: Debt collection

MAN CALLED MY JOB, FROM XXXX, IDENTIFIED HIMSELF AS XXXX XXXX (? ). ASKED FOR ME BY NAME, I ADVISED YES, I ASKED FOR A PHONE NUMBER, HE STATED HE DONT HAVE A CALL BACK NUMBER. I TOLD HIM NOT TO CALL ME AGAIN, HE ASKED " ARE YOU NOT ALLOWED CALLS AT WORK? '' I TOLD HIM AGAIN TO NOT CALL ME, HE SAID IF I CANT IDENTIFY MYSELF HE CANT NOTATE " NO CALLS '' AND HER TERMED THE CALL. WOULD NOT GIVE COMPANY NAME, JUST SAID XXXX XXXX (? ) ON A RECORDED LINE. 

FDCPA VIOLATION NO CALL WARNING SHOULD HAVE BEEN PLACED AS SOON AS I STATED NOT TO CALL. 
DID NOT IDENTIFY THE COMPANY WOULD NOT PROVIDE A CALL BACK NUMBER
Product: Student loan

Navient calls several times a day after I told them To stop my cell phone.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing to formally request the removal of inaccurate late payment entries from my credit report for my closed credit card account, ending in XXXX. This account was closed on XX/XX/XXXX, according to the XXXX XXXX representative I spoke with today. However, the account closure date is being inaccurately reported to the credit bureaus, which is affecting my credit score. 

The discrepancies I have identified are as follows : TransUnion is reporting the account closed on XX/XX/XXXX. 
XXXX is reporting the account closed on XX/XX/XXXX. 
XXXX is reporting the account closed on XX/XX/XXXX. 

These inconsistencies are negatively impacting my credit report, and under the Fair Credit Reporting Act ( FCRA ), Section 605B, it is illegal to report false or inaccurate information to the credit bureaus. I kindly request that XXXX XXXX XXXX XXXX correct these errors and remove the reported late payments from my credit history, as they are inaccurate and unfairly damaging my credit score. 

Please provide written confirmation of the corrections made and notify the credit bureaus of these changes. I would appreciate your prompt attention to this matter, as it is crucial for maintaining an accurate credit profile. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act Account # : XXXX, Account name : XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Payday loan, title loan, or personal loan

Application # XXXX ( Discriminatory Practices ) I applied for a credit product with Bank of America on behalf of the XXXX XXXX XXXX XXXX on Saturday, XX/XX/2022. I was contact the next morning ( Sunday ) by banking representative XXXX XXXX. He asked if I was aware that any balance would need to be paid in full at the end of each month. He stated that he would send me a link via XXXX to submit an Authorization to Borrow on Behalf of the Business form that needed to be signed by 2 board members. He also stated that I would have to submit a profit and loss. I advised him that we were a not for profit corporation with 501C3 designation and that we did not have profit or loss. He stated that he just needed proof that we were in compliance with the IRS. I stated to him that we are required to file an annual Form 990. He stated that was sufficient. We were unable to upload any documents and soon learned from XXXX IT Helpdesk that XXXX XXXX only gave us viewing capabilities and not access to upload anything. We were advised by XXXX IT Helpdesk to fax the documents over as we did. A few hours later I received an application denial via email. This morning XX/XX/2022 I received a phone call from XXXX XXXX requesting that I submit a profit and loss. He even suggested that I send him a list of donations which was out of the ordinary. I refused; reminded him that the calls were recorded, wish him a good day, and we both disconnected the call. Please note that I had already received an application denial email on yesterday.