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

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience.

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

About XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX account to fraudulent investment firm.
Product: Credit card or prepaid card

I signed up for a Target store card in XXXX of 2023 offering a {$40.00} instant credit on my card. The credit was never received. I have made XXXX phone calls each time I was assured that I would receive a coupon in the mail. Today XX/XX/XXXX I called to ask about the coupon, after a lengthy conversation and asking to speak to a supervisor the agent hung up on me. I called back a spoke with another agent who after asking to speak with a supervisor also hung up on me. I also asked the agent to close my account because I no longer want to do business with a company that does not honor their advertised offers.
Product: Student loan

Auto debt was not completed. As such, the payment was deemed delinquent. 

Switched payment method to manual to avoid the aforementioned issue. Now, the " Amount Due '' this month remains unchanged after multiple payments ( equal to and greater than the balance ) have been submitted and processed. 

Specifically, Nelnet listed a monthly amount of {$310.00} due by XX/XX/2023. 
Payments have been submitted as follows : XXXX : Paid and processed {$310.00} - Amount due remains {$310.00} XXXX : Paid and processed an additional {$310.00} - Amount due remains {$310.00} XXXX : Paid and processing an additional {$310.00} - Amount due now {$880.00} I have paid XXXX the original amount for this month. However, the amount I owe has neither zeroed nor decreased. Rather, it has increased. 

Nelnet has been unreachable by phone and email.
Product: Checking or savings account

I opened an account in XXXX when I lived in the XXXX. Since moving home to XXXX I have not used the account. The account was frozen and I was unable to access my funds. I was unable to see the account on online banking and unable to make online purchases. Despite many attempts to have the account reactivated I was told I had to present at a branch to have the account deactivated. Clearly that is not possible because I live in XXXX. 
After many attempts I was given a fax number that I could send a fax to to have it deactivated. I have done this and the account is reactivated. I logged into my account to find that my account has been debited a monthly fee of {$12.00} per month despite my card being expired since XX/XX/XXXX and I have not have access to the account via Internet banking for so long. The bank locked me out of my account and I was unable to receive any service yet I was still charged monthly service fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account name ( s ) & Account number ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously requested that they investigate this information and they have failed to correct the errors that are reporting on my credit report. Now is not the time to update, I demand that the parties involved IMMEDIATELY DELETE this inaccurate information from my credit report. 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. 
Convergent Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Most of these are accounts close and self has the wrong account number for the three bureaus. A few was medical bills where I never signed no contract and debt collections are purchasing a few of these charge off accounts. Please remove any and all of them.
Product: Debt collection

my identity was compromised in the past i had to change my debit card and all other accounts linked to my name
Product: Vehicle loan or lease

The reason for this complaint is, I submitted a payment for my auto loan from my bank and to Bank of America for my auto loan. I submitted a payment on XXXX in the amount of {$260.00} 5 days later I called to confirm a payment was submitted. I spoke to a representative they did not receive a payment. Bank of America rep opened up a ticket but for some reason the ticket was closed. When I checked my back I realized that I had the account number wrong by one digit I corrected the account number and submitted a second payment for the amount of {$260.00}. I have called 10 times spoke to 10 different representatives only to be transferred to 10 different supervisors with no resolution. I have sent 5 emails with the proof the funds was taken out of my account and 5 emails no response I called and spoke to a rep XXXX and she asked me to send it again I waited on the phone until she confirmed she received my email. She did and days later still nothing has been done. At this point I feel Bank of America has stolen my money because I was told that if the information on the account number did not match that they would return the payment or issue me a check by mail. I have yet to receive a response yet alone my account credited, payment returned or refunded. So I want to file a complaint in hopes to either get a refund or have the payment posted to my account. Its been 28 days and I have yet to have Bank of America respond by email or phone regarding this missing payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureausasking them to update this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be repaired as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I got a vehicle loan in XXXX from Security National Automotive Acceptance. I had been in contact with this company in XXXX to come pick the car up because it was not working. I was told through email " the car is not worth the pick up value. '' I got out the military and moved back to XXXX where I have been living and working. I was notified on XXXX XXXX that my wages from my job at XXXX would be garnished. I called the payroll department because I could n't understand why my wages were being garnished for a loan I had 10 yrs ago. I was informed by the payroll specialist that " the garnishment is illegal because you live in XXXX and under federal law XXXX residents are not subject to creditor wage garnishments. '' The payroll specialist also informed me that she had to " code it AS IF it were a student loan to force it through. '' I am asking for help with this matter because not only is this debt 10 years old but I no longer have the car and I also tried to give the car bad years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the original claim i submitted to XXXX about the XXXX account on my report. I did not receive any verification from you that showed my consent, or any authorization with my signature. Please verify the validity of this account and furnish how the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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. 

XXXX. XXXX XXXX CHARGED OFF XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CHARGED OFF XXXX KANSAS XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX COLLECTIONS XXXX XXXX XXXX, XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX, ma, XXXX XXXX. XXXX XXXX XXXX ACCOUNT. XXXX CHARGE OFF XXXX XXXX XXXX XXXX, TX, XXXX I looked at my Equifax credit report on XXXX XXXX and 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 suppose 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 suppose 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: Debt collection

I did not make any late payments so I request that the late payments be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent police report an FTC report. I sent XXXX  XXXX report. And they dont have a consumer contract with my signature on nothing. XXXX  XXXX said that they dont no how the application was submitted. Experian has been very unhelpful. I would not trust them again. I will leave my credit file frozen for ever. If companies does business with them I will op out. Only XXXX or XXXX  will I do business. Thanks
Product: Debt collection

In XX/XX/2016, I had XXXX XXXX and the apartment complex still charged me for the termination fees. I never got notice of this debt through the mail from the original company or the collection agency. I did not know this was a debt until I saw it on my credit report. I do not owe this money because I should have been protected under the servicemembers ' relief act AND the collecting agency never attempted to contact me to verify the amount accuracy ( amount is wrong ) and never tried to collect. They just closed the account. I contacted the three bureaus and they sent me a letter stating the account was " valid '' but could not verify the amount ( again, which is wrong ). I don't even have a statement or a bill from this company. 
I need this removed because this is negatively affecting my job and my livelihood.
Product: Mortgage

I purchased my home and financed it through XXXX XXXX in XX/XX/XXXX. At the time, the house was valued at XXXX. XXXX subsequently sold my loan to Mr. Cooper in XXXX or XXXX. In XXXX Mr. Cooper solicited a refinance from me, which I accepted. During this time, my home was valued at over XXXX. During the refinance process, a representative for Mr. Cooper informed me that the mortgage insurance I was currently paying would be taken off my account as I was well over the XXXX XXXX XXXX requirement. 

I did not confirm the insurance was taken off the account and only realized it was still on when I reviewed my XXXX statement. I reviewed Mr. Cooper 's website and confirmed the 80 % XXXX XXXX was still the threshold to remove PMI. 

I contacted Mr. Cooper and explained the situation. I was informed that the PMI would not be taken off as the loan is less than XXXX years old, and I did not make any improvements to the home. There are several issues here : 1. The loan for the home is not two years old. It was a refinance from a loan in XXXX that Mr. Cooper purchased from the original lender. When I refinanced, no additional funds were provided to me to increase the loan amount. 

2. Mr. Cooper 's website indicates the only requirement is an XXXX of 80 %. The consumer only finds out about this additional requirement once they call the company. This is a deceptive practice. 

3. I was told during the refinance process the PMI would be removed. 

I am requesting the CFPB review the matter for my account and determine the issue 's scope as it applies to other consumers.
Product: Debt collection

I have received dozens of recorded calls to my business phone line from a company calling themselves " Diversified Adjustment Services, '' saying this is part of a debt collection. I started receiving calls shortly after I activated this business line.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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.

EXPERIAN TRANSUNION 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! 


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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Vehicle loan or lease

The creditor, American Credit Acceptance Corporation, has incorrectly, unfairly, and carelessly reported remarks on all three of my credit reports. 

XXXX  -- The remarks state " Student Loan - payment deferred - Affected by natural disaster. '' This is an auto loan, not a student loan. I don't even have a student loan and never have. Additionally, I did not arrange for a natural disaster deferment. I did arrange a normal deferment. 

XXXX  -- The remarks state " Affected by natural disaster. '' I did not arrange for a natural disaster deferment. I did arrange a normal deferment. 

XXXX  -- The remarks state " Affected by natural disaster. '' I did not arrange for a natural disaster deferment. I did arrange a normal deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 joint mortgage account with XXXX XXXX   was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as XXXX XXXX  The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting XXXX XXXX from the legal department of XXXX, attached is a letter stating " XXXX has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 XXXX days to update credit reporting, and that XXXX has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and XXXX, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.
Product: Mortgage

My mortgage was sold to Carrington Mortgage about a year ago they started charging me about {$560.00}. for my escrow every month for a year. Now they are charging me {$670.00}. for my escrow a month. I Called my city and they said my taxes went up but not that much. I then called my insurance and they said my insurance went up {$14.00}. so somethings not adding up and that would be the numbers that are not adding up at all. Especially since my escrow is at XXXX as of right now so all this money is going in where? why is that and where is that money actually going to if all my stuff has been paid for?
Product: Debt collection

I have sent various letters to several of my debt accounts to dispute. Yet, don't seem to get removed from report. I have been disputing through mail and have also disputed via online.