23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMSHER COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ALXXXX Good afternoon, i amwriting to you to see if I can get some help with this debt collection service they are fradulently reporting a collection account on my credit reports.. the debt was sold to another company. I gave AMSHER a call on XX/XX/2019 and inquired about the debt they immediately told me that this debt belonged to XXXX XXXX XXXX XXXX. I than asked them why were the reporting on my credit reports and they no longer had my account they said call the new company so I called the credit bureau and disputed this againg and provided them with the new collection company information the failed to remove the account and started a new dispute and today XX/XX/2019 i got an email update from the credit bureau ( XXXX ) saying the debit will remain on my report it was verified by the collection company AMSHER as accurate. How in the world do I supposed to pay 2 collection companies for the same debt.
Product: Credit card or prepaid card

NetSpend has a product called Skylight One that allows people to sign up with an email address and get their paychecks deposited to a prepaid card of some sort. 

This company, however, does not verify the email address when signing up, and someone else has used my personal email account. NetSpend refuses to correct this entry in their database, do I continue to get messages for this customer, which has revealed to me the person 's first name and last 4 digits of the prepaid card signed to them, which I consider to be a data privacy beach. 

NetSpend support representatives tell me there's a " security reason '' ( their words ) that block them from correcting their system and removing my email address, which is now also a CAN-SPAM violation, do I'll be pursuing a complaint there as well.
Product: Debt collection

1. XXXX is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which is not in compliance with the DOJ. 

2. They transferred the servicing of this loan to Nationstar, giving the impression that they are the primary lien holder and giving the impression that the debt is valid. I submitted another complaint on both Nationstar and XXXX for this action for trying to collect a cancelled debt. My court date for the foreclosure is still set for XX/XX/XXXX, while both servicers still contend to the CFPB that they need time to investigate my complaints. Once again, I am in jeopardy of losing my home before that time expires. 

3. Nationstar has just attempted a practice that you just recently imposed a $ XXXX for. They have threatened to impose forced place insurance on my home, add that expense to the canceled debt which is not valid, and I have an active and current policy. 

I have uploaded Nationstars letter, a copy of my policy, and a statement showing that my policy is current.
Product: Credit reporting or other personal consumer reports

On XX/XX/2018 I received notification of fraud activity on the credit card i had with Barclays Bank Delaware. The credit card was promptly shut down by bank and investigation was opened into fraud activities detected. 
Ever since then I received no correspondence from the Credit card. It is until I ran my credit report that I noticed that its being reported as a charge off. 
I've made an attempt to clear this from my credit credit report. I have filed dispute with credit agencies about inaccuracy of report and classification of activity while i have received no response from the credit card itself to remedy this huge problem its inaccurate reporting caused.
Product: Credit card or prepaid card

I used an American Express Serve Card, said to be secure and have Fraud Protection. It must be connected to a checking account to load money or one can load it at a store for a fee. On XX/XX/XXXX I received an email from AMEX Serve asking to verify that I changed my email address for the account. I had not so I called. Its diffi to get anyone to help you for this problem. I was in the phone with Serve as another purchase was made, all in Florida. 1st {$200.00} was loaded out of my checking account. The card had a balance. {$310.00} was taken. They said theyd open a case for me. 2 days later I received an email from them. They closed my account because I violated the agreement by committing fraud! What?!! When I called to discus they would not discuss it. They said their investigation is closed and there is NO one else to complain to, no where to write no one else to call and then the person hung up on me. I tried again with the same result. Please stop these people. This is a bad card with no protection. They are misleading consumers by stating that the card is secure. It absolutely is NOT! Also, they shut the card down and wiped the account from the stat. Now I can not see the transactions to file a report or to document. I do hope that something is done. This is poor customer service and fraud on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report, I see that the same accounts were erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00}
Product: Debt collection

Professional Adjustment Corp. SW FL Inc is reporting a negative account to XXXX and XXXX that I do not owe them. I have asked them for validation of debt and they responded by sending a bill from XXXX XXXX that does not contain their company name anywhere, does not have my signature, or an original contract. A bill does not count as validation of a debt. Because they have failed to validate the debt I would like this removed from my credit. <P/><P/>Also, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization.
Product: Credit reporting or other personal consumer reports

I submitted my identity theft reports to XXXX, XXXX, and equifax and they are still reporting the inaccurate information. As well as some of the collection agencies are harassing me including credence, portfolio recovery associates. I submitted the disputes and the documentation at the beginning of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unconfirmed inquiry lacking certifiable evidence I would like them to be removed please. 

XXXX- XXXX XXXX :  XX/XX/XXXX XXXX- XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information XXXX  XXXX XXXX, XXXX  XXXX XXXX ...., XXXX  XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX XXXX
Product: Vehicle loan or lease

This problem began when I paid off my car loan and needed to receive my title in an expedited manner.

There are too many problems to address in one complaint about the difficulties I have faced with multiple Honda Financial Services agents to list it all out in this complaint.

It can be summed up with the fact that over the course of more than a week, Honda Financial Services has led me to believe I could receive the title by a specific date with certainty going as far as instructing me to set up a XXXX account to receive the title in time. However, in each instance of their instruction, the agents turned out to be wrong and I am only given repeated excuses by agents and their manager. 

I have XXXX  from the XXXX XXXX XXXX to depart for an XXXX XXXX  on XX/XX/XXXX, almost 3 weeks after having begun this process to get my title. Honda Financial Services ' failure to properly handle my request has made it so that I may not be able to sell my car prior to my departure date. I have no idea where my title is and I needed the title this week. The XXXX   DMV ( whom Honda Financial Services mistakenly told me could help once I had a lien ) made it clear there was nothing they could do, that Honda had given me false information, and that my only option is to wait it out for Honda Financial Services. 

I have had to spend numerous hours already on the phone over 7 days trying to get this issue resolved. These are hours lost of productivity in my job and time that I should have been using to prepare for my upcoming assignment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following items : Account Number : XXXX ( Reporting on Transunion and XXXX ), and Account Number : XXXX  ( Reporting on XXXX ) XXXX ( Same exact account information with XXXX different account numbers ) I would like for you to have a copy of this document as well ( see attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. For starters, I have no idea why there are XXXX completely different account numbers, but that is just XXXX example of my credit report reflecting inaccurate and inconsistent information. XXXX XXXX XXXX continues to falsely verify these accounts whenever I dispute them with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. XXXX Transunion XXXX XXXX XXXX XXXX, The Consumer Finance Protection Bureau XXXX -as well as myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is XXXX  inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes, which I believe that XXXX XXXX XXXX violated, -yet somehow, you still allowed XXXX XXXXXXXX XXXX XXXX report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether the account is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to cause XXXX  to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX XXXX continues to falsely verify as accurate. This has to stop!
Product: Mortgage

XXXX XXXX received permanent modification documents after completing a 3 month trial in XXXX. On XXXX/XXXX/2015 the authorized XXXX part representative spoke with Ocwen about the status of the modification being finalized in there system. They advised they received it and it should take 7 to 10 business days. Another call was made today, XXXX/XXXX/2015 since XXXX XXXX is still receiving delinquency documents and negative credit reporting. Another representative at Ocwen named XXXX XXXX stated that they did receive the modification documents but what the hold up was that with the modification that XXXX XXXX received Ocwen would have to purchase the loan and they have n't done that. He stated that they do not have a time line for this and their was nothing that could be done to speed it up. XXXX XXXX has completed the trial successfully and done everything required of her and she is still at risk and receiving foreclosure documentation. This is a completely unreasonable amount of time to finalize documents returned back.
Product: Mortgage

I have a mortgage with US bank and I was under the impression that it was federal law that they have to remove the mortgage insurance when the value of my loan goes below 78 %. 
The value of my loan is less than 78 % and they are telling me in order to remove the mortgage insurance I have to get an appraisal on the house as well as get something from city hall letting stating there are no Liens on the house. 

Why do I have to obtain these things when it is federal law that they remove it when the principal goes below 78 % of the original loan amount. It costs money to get an appraisal done.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card or prepaid card

Goldman Sachs is being discriminatory against me as a XXXX year old XXXX male. 

I have been approved for the Apple Credit Card twice, I have sent in my documents, I have answered questions related to my credit report, I have done everything to identity myself. 

Goldman Sachs still denies my application for " unable to verify identity ''. I asked if I could send my docs by mail or even send an email. They refuse to accept my identity unless it comes from an XXXX with a higher quality camera than my old XXXX XXXX. 

Basically, Im young, XXXX, with good credit, and willing to send whatever information to verify my identity but Goldman Sachs refuses to give me the ability to verify my identity.

I have already been notified by Goldman Sachs twice, both time saying I was approved. Only to later snatch the hope away from me with word later that I was unfortunately denied. 

I can not afford a new XXXX, they must accept documents via fax, mail, or email to allow me to verify myself. Making an XXXX which is not in my budget the only way to verify my self is extremely illegal and XXXX on Golman Sachs behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, Equifax and XXXX is reporting late payments on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX and/ or XXXXXXXX is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, Equifax or XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting or other personal consumer reports

N Accordance with the fair credit reporting act XXXX  XXXX # XXXX XXXX has violated my rights 15 US C 1681 section 602a states i have the right to privacy.15US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

I, XXXX XXXX, have falsely been accused of having a debt with XXXX XXXX XXXX  I have disputed this debt, first, with XXXX, then, subsequently XXXX collection agencies. There has been no justification of services rendered for any debts owed. The most recent collection agency is EASTERN ACCOUNT SYSTEM OF CONNECTICUT , INC . I am tired of being harassed over a debt I clearly don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with Transunion and their scoring method, it seems every time a negative item comes off my credit report instead of my score going up it drops substantially. I have complained about this before to no avail. The government is supposed to protect the consumer from this type of prejudicial system. Its mind boggling that I reach a certain plateau and they will not let my score get any higher and then drop it close to 90 points without ever increasing it the same as it was dropped. I am convinced that there is some corruption in their system. This is the last time I'm submitting a complaint. Next I will hire an attorney to investigate there practices based on age, race and other factors. To compare others
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 ( XXXX XXXX XXXX ) # XXXX. Balance {$4.00} and XXXX XXXX XXXX # XXXX. Balance XXXX ; has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 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 general, 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: Credit reporting or other personal consumer reports

This company keeps reporting XXXX days past due, this account was paid in XX/XX/2020 I had XXXX XXXXXXXX and they STILL REFUSED TO HELP AND ITS PAID, The are fraudulent because i am NOT 120 days past DUE they are messing up my credit and I DONT OWE THEM ANYTHING get this late status changed please
Product: Credit reporting or other personal consumer reports

time financing service and new southern loans are showing the incorrect balance and incorrect number of past due payments on my accounts through XXXX. I am sure I am caught up by now on both accounts but they show like XXXX or more payments past due when that is not true.
Product: Checking or savings account

On XX/XX/2023, our high-yield savings account with Synchrony Bank was flagged for suspicious activity, and the account was restricted ( frozen ) until a review could be completed. We explained that we were aware of the reason for the bank 's concern and that it was a misunderstanding. 

After more than six months and 15 phone conversations with Synchrony representatives, the account is still frozen, and we have repeatedly gotten the same response : The account is under review and no other information is available until the review has been completed. One representative in upper management added that the review team was short staffed, so it was taking longer than usual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies have wrong job information as current job. I work for XXXX XXXX where I been since XX/XX/2008.