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

On XXXX XXXX, XXXX, I returned a XXXX XXXX XXXX at the end of the three-year lease. 

XX/XX/XXXX, the California Dept. of Motor Vehicles sent a Notice of Delinquent Renewal and a fine because XXXX failed to notify DMV that they took possession of the car. I cleared that up with DMV. 

XX/XX/XXXX, my credit monitoring service notified me of a Delinquent Account due to XXXX, and my credit score went from XXXX to XXXX. 

XXXX said I owed a {$400.00} disposition fee and {$65.00} for excessive wear, a total of {$460.00}, and that bills were mailed to me. I said I did not receive any mail from XXXX. I check my secure mailbox daily and the USPIS said there were no reports of mail theft at my address. 

XXXX said they called me but did not leave messages as per the law. As per the XXXX Police Dept. Financial Crime Section, that law applies to telemarketers ; XXXX and I had a business relationship and they should have left messages. 

XXXX said they don't send notices via e-mail. I reminded them I paid my bill and had other electronic transactions with them. 

XXXX XXXX, XXXX I received a bill from them and mailed a check to XXXX. 

XXXX XXXX, XXXX as per my bank XXXX transacted my check. 

XXXX XXXX, XXXX my credit monitoring service notified me that XXXX made the Payment Status CHARGEOFF, and my credit score went from XXXX to XXXX. 
I sent several letters to XXXX asking that my credit be repaired. 

XXXX XXXX, XXXX I received a letter saying XXXX XXXX XXXX record reflects that on XX/XX/XXXX we received a final payment in the amount of {$460.00} on ( this account ). At this time your account status is paid in full and closed. 

I filed complaints with the Federal Trade Commission and the California Dept. of Business oversight because XXXX XXXX is located here, but those efforts hardly improved my credit score. 

In XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX for Conflict Resolution. Last week they finally got a response from XXXX that the company does not have my records and to challenge my score with the credit agencies. 

To this day, XXXX continues to send me maintenance reminders and sales notices related to the leased car I returned.
Product: Debt collection

Act # XXXX : Received alert from XXXX on XX/XX/24 regarding negative collection activity on credit file- amount {$670.00} for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX XXXX. 
This is a fraudulent activity as I have never stayed at that address and never owned this account with XXXX. I resolved the same collection dispute last XXXX through XXXX and XXXX. 
The charge is being reported through different collections I.C. system INC and I have to go through this exhaustive process again.
Product: Vehicle loan or lease

On XX/XX/XXXX a loan was obtained from Toyota Financial Services for a XXXX Toyota XXXX XXXX. On XX/XX/XXXX, a notice of acceptance, along with the XXXX XXXX XXXX XXXX for final settlement and discharge of the debt in the amount of {$46000.00} was sent to Toyota Financial Services Attn : loan department, Registered Mail with return receipt.There was no response from the company. On XX/XX/XXXX, a notice of default and opportunity to cure was mailed to Toyota Financial Services attn : loan Department and got delayed by the USPS. On XX/XX/XXXX, copies of the first ( 1st ) and second ( 2nd ) mailings was sent to the CEO of Toyota Motors XXXX XXXX and copies of the same mailings was sent to Toyota Financial Services attn : loan department. With no response. On XX/XX/XXXX, another notice of Fault and Opportunity to Cure was sent to the CEO of Toyota Motors XXXX XXXX. No response. On XX/XX/XXXX, another notice of Fault and Opportunity to Cure was sent to Toyota Financial Services, attn : Loan Department. No response. On XX/XX/XXXX a notice of Default was sent to Toyota Financial Services. No response. Toyota Financial Services along with CEO of Toyota Motors XXXX XXXX have accepted my Instrument, never returned it and using it to trade. I have obtained the CUSIP NO : from the account. I signed the original contract, without recourse. Toyota Financial Services, along with the CEO of Toyota Motors XXXX XXXX have not sent the Title to the XXXX Toyota XXXX Runner, they have not set the record straight with DMV, they have not settled this account, they have not discharged this debt and sent me the notification of the settled account. Toyota Financial Services have sent a delinquent report to the Credit Bureau harming my Credit Report and Credit Score.
Product: Student loan

When it came time for payment it would say it had been paid for on my Navient account. After 7 days they would then try to take the money out. My account would have money in on day it said it was done and paid for. Then they would overdraw my account 7 days later.
Product: Mortgage

In XXXX XXXX I was guaranteed a 80 % 7 yr ARM to purchase a property. In XXXX I found a property and had in hand a document stating that I had the 80 % loan. I signed the purchase at the end of XXXX XXXX. A 30 day escrow was entered and Wells already had almost all of my financial info at that time. On XXXX XXXX, 2015, one week prior to closing, Wells dropped the loan amount to 75 %, which I agreed to. The Escrow was extended a week since Wells needed more time to close but stated they would have the documents ready to close within days. When they still had not closed 3 days prior to the extended date, I called my XXXX at Wells who could not tell me if they could now close on time. In order to not lose the property and my deposit, I suggested to the Wells broker that I could pay for the property with cash, coming from my IRA, IF she could guarantee me they would close the deal, so all my IRA money could be paid back within 60 days. She told me they should be able to close easily within 10 days. It turned out to be 45 days, then they provided me with a loan of only LESS THAN 60 %. This caused me to be unable to pay back {$170000.00} to my IRA, leading to a income tax bill of {$76000.00}. ( please see attached documents. )
Product: Mortgage

I purchased my home XXXX XXXX, I have never refinanced my home and my mortgage has ALWAYS been escrowed. My current servicer is PNC Mortgage and my previous insurance company was XXXX XXXX XXXX. Im not quite sure of the dates but this is how PNC and XXXX XXXX explained the timeline. 
Around XX/XX/XXXX- XX/XX/XXXX there was an additional payment that was requested from XXXX XXXX for increased dwelling. Somehow PNC never got the request so a notice of cancellation was sent to PNC XXXX XXXX PNC calls the insurance broker for XXXX XXXX and spoke with XXXX . XXXX confirmed my insurance policy was still active XXXX XXXX PNC sends a check to XXXX XXXX XXXX for the renewal payment but the check gets rejected. Once PNC calls XXXX XXXX again, they told PNC that they cancelled the policy XXXX XXXX PNC puts forced insurance on my property from XXXX XXXX to XXXX XXXX for nearly {$3000.00} a year! 
Now for the last 3 months PNC increased my monthly by $ 300 monthly! NOT TO MENTION THAT I DIDNT RECEIVE A SINGLE PHONE CALL UNTIL AFTER FORCED INSURANCE WAS PUT ON THE PROPERTY ( funny how the timing favors PNC! ) I have called both companies multiple times and they always respond with " Let me investigate this and get back to you sir '' I havent received a single phone call from anybody. Im sure {$300.00} a month is nothing to PNC and XXXX XXXX but it is for me. 
Both companies just sit there pointing the blame on each other when IN THE END I GET XXXX WITH A HIGHER PAYMENT!! 
PNC even paid XXXX XXXX when my loan got transferred for a renewal on the previous insurance policy. Ive NEVER had a late mtg payment, my mortgage is ALWAYS escrowed but the way they are handling this, its just not right. I feel very taken advantage of when I did not do anything to cause any of this. Escrow accounts are the responsibility of the servicer, that is why I paid extra monthly. The agreement in the beginning is to trust my servicer to pay for my taxes and insurance when they are due. Im sorry but this is not acceptable
Product: Mortgage

In XXXX Freedom Mortgage sent me a letter stating my mortgage payments will increase. They gave me some choices to keep the payments the same. I choice the first one and paid {$730.00} toward the escrow shortage. But my payments increased anyway. 
In XXXX I got a similar letter but I paid nothing extra, instead I changed my homeowners insurance company for a {$300.00} lesser one and disputed my property taxes. But again my payments increased. I filed a complaint with the Department Of Savings & Mortgage Lending. They just repeated what Freedom Mortgage told me. Which was nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

Needed to create an account on Experian 's consumer page in order to get credit report accepted by lender for XXXX loan. Experian is now storing my payment information. I called Experian and asked that my account be deleted and they refused. I then asked that they remove the payment information stored on my account profile and they refused.
Product: Debt collection

Previously I wrote and asked that Spring Oaks Validate this alleged debt by providing the Original Contract with XXXX XXXX with my signature and they did not! I also asked that they provide a FULL PAYMENT HISTORY of this alleged debt with XXXX XXXX the original creditor and they did not! I did receive some sort of bill in my email as proof of this alleged debt but that is not validation for me. I am unsure the bill is real and from the original creditor XXXX XXXX. And if it was from XXXX XXXX, then why didn't they request the payment history and original contract as well from XXXX XXXX like I asked them to do? What I do know is that this alleged debt is listed as a charge off on my report with XXXX XXXX  and they have written off {$980.00} with the IRS. This means that XXXX XXXX closed the account because the no longer expected to gain any payments on it in the future. This also means my current balance with XXXX XXXX is {$0.00}. So how is it that Spring Oaks Capital is trying to pop up in my life and try to collect {$980.00} from me for this alleged debt? When did I ever have business with Spring Oaks Capital? I did not or do not have any type of business agreement or contract with Spring Oaks capital. I never gave XXXX XXXX permission or any written authorization to share/ release my private information to any third party or collection agency. Title 15 USC 1681 section 602 states I have a " Right to Privacy '' and a creditor needs my written consent to report or share my information with any third party. Therefore, XXXX XXXX has violated my rights when they shared my information with Spring Oaks Capital without my WRITTEN CONSENT. Now Spring Oaks capital is currently in violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties,15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt,15 USC 1692f Unfair Practices attempting to collect an alleged debt and 15 USC 1692b ( 5 ). Therefore, my request is that Spring Oaks Capital stop/cease any and all credit bureau reporting of this alleged debt Permanently, do not transfer or sell this alleged debt, or my personal information to any other collections agencies. And I want a written response to my address above stating that this alleged debt account is closed in their system and will not be transferred or sold again to any agency or I will seek for damages thru a consumer rights attorney. At this point I believe Spring Oaks Capital Owes me about {$3000.00} for all the violations they put me thru and they need to pay me immediately!
Product: Credit reporting

What you are doing Experian is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Experian, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Experian you are reporting XXXX XXXX XXXX student loans that are more than 10 years old ( from the original delinquency date ) and these accounts are negatively impacting my credit score and decisions of lenders, including the REMARKS IN THE ACOUNTS. 

These are my 2 requests : ( 1 ) Remove XXXX XXXX XXXX student loans from my credit report now ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of XXXX XXXX XXXX XXXX loan accounts ; send the ORIGINAL DELINQUENCY DATES to either my email address on file with ConsumerFinanceGroup.gov or my mailing address on file with ConsumerFinanceGroup.gov or through an electronic online file at your website that I can access. That information is not my right, but if it has been less than 10 years from the original delinquency date, I will withdraw my requests. Those dates are imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Experian for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Experian
Product: Debt collection

I have been late making my Harley payment and have been working on catching up over the last few months and even after telling them and confirming a time that I would make the payment, they still call me up to 20 times a day. I work nights and have repeatedly told them that it affects my sleep to the point where it is affecting my job but they continue to call two to three times an hour. Like I said this is after I have talked to an agent and set up payment arrangements.
Product: Mortgage

In XXXX of 2018 my HELOC loan was transferred from XXXX XXXX to Rushmore loan services. I have made my monthly payments through my  bank bill payment system as I always have on time. In the month of XXXX the company decided to hold my payment, then I made my XXXX payment they held that payment as well. I called in XXXX when I realized my perfect credit score was affected by this company. Confused as I have made my monthly payments every month on time I call them. They then tell me my name was different, my address is different, then tell me they are holding my payments because it was not paid on-time in XXXX or XXXX plus I had to pay some inspection fee for someone coming out to my house. My bank shows this loan check to have been cut & cleared my bank account with XXXX XXXX. When I completed the paperwork with XXXX XXXX I've always used my current last name " XXXX '' because that's my drivers license legal name. Then I ask to speak to a supervisor to explain the issue they begin to tell me I can not speak with a supervisor I need to write a letter. I write the letter send it off & they still have not completed the investigation two months later. Then I look online for XXXX bill amount as my monthly fees have changed with Rushmore every single month but with XXXX XXXX it did not even though it was a Variable rate contract. The rep give me a different amount explaining because this month has less days I am charged more if the interest rate per my contract. This just does not make any sense to me at all. i have been a homeowner of two homes & have never been so wrongly treated as I have with XXXX loan services. It is not fair as a customer to pay for there mess ups. This company needs to be investigated & shut down for good!
Product: Debt collection

My name is XXXX XXXX and I give authorization to move forward with this complaint. Please see the attached documents and identifying identification as it contains my full complaint and request.
Product: Debt collection

A collection company has filed a negative report on my account. No debt is owed that I am aware. Attempts to contact the company were to no avail. I talked to XXXX XXXX with Wakefield & Associates and he could not find the debt I owed. He also refused to let me speak with a supervisor. He branch was located in Colorado. I also spoke with some one at the same company in XXXX TN and they were unable to find the debt that I owed either and would not attempt to help me clear the negative report off my record.
Product: Checking or savings account

I open several accounts at capital one and 2 weeks later they closed My accounts for reported fraudulent activity on a XXXX XXXX with is XXXX  XXXX XXXX. I spoke to XXXX  XXXX XXXX to let them know it wasn't me who open up the 2 checking accounts now they are sending me some Gforms that I have to fill out with a pice report so they can take care of What's going on. Also a couple of people has been trying to open an account with unemployment as well as shopping on line with XXXX XXXX and XXXX They really messed me up please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from us bank that I did not do
Product: Credit card or prepaid card

I have reached out to Bank of America a few times to get this account taken care of. I have sent numerous letters to them asking them to clarify what I owe in writing and haven't received anything ever.
Product: Mortgage

I AM TRYING TO COLLECT EXTRA MONIES COLLECTED DURING ESCROW FOR THE PAYMENT OF FLOOD INSURANCE. I PAID A COMPLETE YEAR OF INSURANCE BEFORE ESCROW CLOSED. I AM PAYING A MONTHLY CHARGE FOR THE NEXT YEARS INSURANCE WITH THE PRINCIPAL PAYMENT. THERE WAS AN ADDITIONAL {$1000.00} COLLECTED IN ESCROW TO PAY FOR 2 MONTHS WORTH OF INSURANCE UNTIL MY MONTHLY PAYMENTS ACTUALLY STARTED. THE REMAINING BALANCE IS {$610.00} THERE IS NO REASON TO KEEP THIS AMOUNT. I HAVE RECEIVED 3 LETTERS STATING THEY ARE RESEARCHING. 
TO DATE -- NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and asked them to correct the inaccuracies that they are reporting to XXXX, TransUnion and XXXX  they ignored my request. 

I contacted TransUnion, XXXX  and XXXX  and asked them to verify this incorrect information or remove this account from my credit file because it is not being reported with 100 % accuracies. 

They are reporting different things to all three of them. The account types are different. The 30, 60, 90, XXXX  and XXXX are being reported on differently. The same derogatory late payments are being reported on all the reports on different months. An account that is reporting 100 % accurate information would never do that. All the information would match on all 3 credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint and there is no third party involved. This company XXXX, XXXX and Transunion LLC is very deceptive and unfair, they keep ignoring the situation based on the instructions I'm gave them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me. 

This is my privacy and I take very serious and if XXXX, Transunion LLC and XXXX wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. XXXX, Transunion and XXXX broke the law and they keep doing stuff 's with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW XXXX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how XXXX often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. They Talk about For many complaints, XXXX frequently stated it would take no action because it believed the complaints were submitted by third parties, however, it did respond to the remaining complaints with substantive responses. 
TransUnion made similar promises and frequently failed to provide the outcomes of investigations to the CFPB. It often stated it would take no action on complaints because it believed the complaints were submitted by third parties.. I need XXXX, Transunion and XXXX to take responsibility and stop doing this illegal practices .... 
I don't want the same thing happen to me, Im attaching new copies copies that I have sent today to XXXX, transunion and XXXX. 
attached with my social security card, ID and proof of Address.. Lets see what will be the excuse this time. 

PLEASE NOTE THAT IM NOT TALKING ASKING YOU TO INVESTIGATE OR VERIFY THIS ALLEGED ACCOUNT, IM THE ONLY ONE WHO CAN VERIFY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

In or around XXXX of 2021, I had an account show up on my credit report from a company by the name of Spring Oaks Capital. I immediately got a phone number and reached out to this company because i did not have any accounts that should have been in collections. The company refused to speak with me stating that I could not and did not give correct verification information to them for the account that I was speaking of. Throughout the next several months, I disputed this account with the credit bureaus and with the company to no avail. XXXX would not properly investigate the dispute properly because they would close said dispute stating information was verified as accurate. I sent XXXX dispute letters via certified US Mail to Spring Oaks Capital demanding that they produce proof of the debt belonging to me. To date, after several phone calls and them acknowledging that they received my dispute, they have still yet to remove this information from my credit report. They have violated several rules of the Fair credit reporting act and have failed to produce the information requested. I do have similarities of the person in which the debt belongs to, however ; ALL of the information does NOT match mine and this debt DOES NOT BELONG TO ME!