23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a house in XXXX as a single woman. My mortgage was sold to Shellpoint Mortgage. I had set up payments. When I called in XXXX, I was told the payment was still pending. I called again a few days later and they said I had received an email about the payment not clearing. Long story short, they were emailing my EX-HUSBAND who had never been on this loan. They used the information from a previous NewRez-Shellpoint account ( marital account ) and dumped it into my private account. They lied and said the information came from XXXX XXXX. My ex has never had an account with XXXX. 

It is too late to help me, but Shellpoint should not be able to take contact information from an old account and move it to another account. They shared my information with my ex-husband and XXXX furious. The transition to them has been awful with setting up payments, correct contact information, and understanding how to correct the problems. 

If they ever mix up my old marital account and my new account again, I will hire a lawyer. Im hoping you all can help them figure out how to run their business before that happens. 

XXXX XXXX XXXX XXXX is old account )
Product: Vehicle loan or lease

In XXXX of 2022 my truck was repoed, with no knowledge to me that it was going to happen. I got in contact with the loan people, they told me I had 15 days to pay the payments that were owed and get the truck back or they would send the truck to auction. I paid the account to current on XX/XX/XXXX with the auto loan company and because that was a Friday I could not get my truck until the following Monday the XXXX. I thought everything was good, it wasnt. I tried to make the payment the following month, I couldnt make it online, so I tried calling them and got the run around. No one could tell me how to make a payment because they couldnt find my loan on file. I got this run around up until XXXX when finally someone told me that my account had been wrote off and I had all of this money to pay or my truck was getting taken again. Meanwhile no one is taking responsibility for the run around and me not being able to make a payment for months on my truck because of them not knowing. I just need help with all of this.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ), credit reporting agencies are obligated to promptly remove any information flagged by consumers as linked to erroneous activity, ensuring action within four business days from receipt of such notificationXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX : {$0.00} ;
Product: Debt collection

XXXX XXXX was original credit, they sold it to Encore Capital Group. This bill was put on a chapter XXXX bankruptcy in 2016. They keep harrassing me.
Product: Payday loan, title loan, or personal loan

This company Advance Financial approved me for loan three years ago. I never accepted the loan. Advance Financial mailed another ad with pre-qualified terms and says I can get up to {$4000.00} until XX/XX/2022. When I applied it declines the offer that they continue to send in the mail. I need the money now and it's false advertising.
Product: Credit reporting or other personal consumer reports

I need this delinquency remove from my Experian credit profile because I never been late on my destiny account and on my other credit report its reporting on time never late, only with Experian theres a late month that shouldnt be there
Product: Credit card or prepaid card

Last week, I had an incident that made me concerned for ID theft - who used my driver 's license to make drafts from my XXXX bank account. while I reported this to multiple agencies, I assume the same person- now made purchases from the Nieman Marcus website using my credit card for items I do not recognize. I did file a fraud report this morning, closed the current card, and locked it. However, I need to report this again - since this is more serious than I realized. These were three purchases that were made each day - I think the person was waiting to see how fast I could find out. 
XX/XX/2022 Neiman Marcus {$1200.00} XX/XX/2022 Neiman Marcus {$590.00} XX/XX/2022 Neiman Marcus {$240.00}
Product: Bank account or service

XXXX XXXX, 2015 my account at UMB was overdrawn by XXXX an ACH from XXXX bill installments I 'd forgotten about. On XXXX XXXX a 50.00 credit was given to my account by XXXX leaving my account at XXXX. Due process the bank charges their overdraft fee, creating - {$32.00} a negative balance. UMB then started to charge an XXXX negative fee for the next XXXX days. This is unheard of, I thought XXXX and XXXX were thieves. XXXX another fee scam
Product: Debt collection

I was served papers by messerli and Kramer law firm for an old XXXX debt totaling {$3000.00}. I called and we agreed on a settlement amount, that would be paid soon as I received the settlement offer. The rep/attorney said she wouldnt move forward with the lawsuit for 2 weeks to give time for the letter to get to me. I never received it, so I called again and the attorney emailed it to me. I paid the settlement amount as agreed. Today I received a letter saying they are dismissing without prejudice and said Im carrying a balance of {$540.00}
Product: Credit reporting or other personal consumer reports

The following corporations XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX  are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX  must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX  to be included in your consumer credit report
Product: Credit reporting or other personal consumer reports

I believe the account is invalid. PROFESSIONAL FINANCE SERVICES 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.PFS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Mortgage

When my mortgage was initiated the loan to value was 85 %, so I was charged a PMI ( Private Mortgage Insurance ). I made additional payments towards the principal and on XX/XX/XXXX, my loan to value was 76 %. 

I received a letter from my mortgage servicer, RoundPoint Mortgage Servicing LLC that " PMI will automatically terminate on the date the principal of your loan is first scheduled to reach 78 % of the original value of the property ''. 

Subsequently, I was charged PMI on XXXX XXXX XXXX XXXX even though I was below the 78 % mark. 

As of XXXX, I made additional payments to the principal, and my loan to value was 67 %. 

I reached out to XXXX  to request the removal of the PMI, however, they advised me that I need a new valuation, which will cost up to {$600.00}. 

I understand the need for a PMI initially, however, I do not think that I should be charged {$600.00} for a new valuation if I have reached the point where the PMI should be removed automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with this company to notify them that they did not comply with federal law and I also notified them that I would be submitting a complaint to the CFPB, FTC, and attorney general in their state to my understanding this company had 15 day to respond to my CFPB complaint and this company has still failed to respond. This matter is not fair and It is causing me to be denied credit. XXXX XXXX is liable for any actual damages under 15 U.S. Code 1692k - Civil liability ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this to report XXXX fraudulent accounts appearing on my Equifax credit report. These fraudulent accounts consist of an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and another personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, including but not limited to the following inquiries : XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX, and XX/XX/XXXX : XXXX. I demand that the fraudulent items be removed from each of my consumer credit report. I request the removal of the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX. I also ask that the names XXXX XXXX XXXX and XXXX A XXXX be deleted from all records associated with this fraudulent activity. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This information on my credit about inquiries doesnt belong to me and I didnt know it was on my report.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$160.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB complaint # XXXX about inaccuracies on my Consumer Report with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX That account results came back Delete but the closed account still reporting past due violations still reporting accurate payment history on a closed account on my credit report.. 
The issue is that the inaccurate account was supposed to be Deleted but still reported please resolve in delete inaccurate account that was listed as Deleted but still reporting
Product: Credit reporting or other personal consumer reports

Multiple inquiries are on my report that I do not recognize or authorize. The inquiries does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am being charged excessive overdraft fees/ insufficient funds fee. We are in a Pandemic, and managing finances can be challenging. From XX/XX/XXXX to XX/XX/XXXX the bank charged me XXXX dollars all are insufficient funds fee at XXXX dollars per item. Just because my funds arrive a day later from when the bill hits my account. 
I called the bank on XX/XX/XXXX I went into a branch XX/XX/2020 I called XX/XX/XXXX The representatives told me I was only allowed 3 reversals of fees 3 times a year and I did not qualify until XX/XX/2020 This is a Pandemic and banks should halt all fees, this is so disgusting. I called the bank on XX/XX/XXXX because they had returned an item ( Bill ) which totaled in XXXX but they had taken out XXXX in fees. If they had not taken out fees I would of had enough to pay that bill. The bank agreed to give me back XXXX dollars and told me they couldnt do anything about the other XXXX dollars, because its past 30 days???? I asked what about all the times I called during Covid, and they told me that because I was asking for a fee reversal, thats why I didnt get them, they told me I had to say its due to Covid, and because I didnt mention the word Covid 19, thats why they did not refund any fees. 
I asked them why was I not notified about there Covid policy???? There response was that they dont notify anyone and that we are just supposed to know? I am a single parent getting through a pandemic, and I need my XXXX dollars back and no more fees for the remainder of 2020 at least.
Product: Debt collection

Aldous & Associates is attempting to collect a debt that resulted from XXXX XXXX 's failure to properly process my membership cancellation. I followed the cancellation instructions provided by a XXXX XXXX employee, but due to their misrepresentation and error, my membership was not properly terminated. As a result, I was wrongly billed, and Aldous & Associates is now pursuing an invalid debt. 

On XX/XX/year>, I sought to cancel my XXXX XXXX membership. I followed the instructions provided by a XXXX XXXX employee, who explicitly directed me on how to proceed. 
I completed the cancellation as instructed, believing my account was closed. 
However, XXXX XXXX later claimed that my membership was not properly canceled, despite the fact that I followed their employee 's guidance. 

Due to the gym 's error, they continued billing me for a membership I had already attempted to cancel. 
I never used the gym services after my cancellation request, confirming my intent to terminate the membership. 
Instead of properly resolving the issue, XXXX XXXX transferred this invalid charge to Aldous & Associates for collections, resulting in harassment and undue stress. 

When Aldous & Associates attempted to verify the debt, they did not address the wrongful nature of the charges-only that an amount was due. 
XXXX does not change the fact that the debt should not exist in the first place due to XXXX XXXX XXXX failure to honor my cancellation. 

XXXX XXXX misrepresented the cancellation process, leading to an unfair financial burden. 
Aldous & Associates continued to demand payment for a debt that was created due to improper business practices, not legitimate charges. 
If this debt has been reported to credit bureaus, it constitutes false reporting under the Fair Credit Reporting Act ( FCRA ), harming my credit for a debt that should never have existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

_In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Bank account or service

Chase inherited my bank account from Washington mutual in The 2008 financial crisis and begin charging servicing fees on what was a free student account at W AMU. Chase is refusing to refund the charges, which I have just noticed on my statements, and is being evasive and uncooperative. in the last two years they have charged XXXX {$25.00} servicing fees and are refusing to tell me how many fees they have charged since 2008. Also, they are only refunding XXXX of these fees and being uncooperative in both the branches as well as the customer service line. They have lied to me multiple times including telling me they would do a service review, when in fact upon follow-up, no review had ever been taken place or there was no resolution. I believe this is an attempt to placate the issue, extort fees from their customers without their customers consent or knowledge, and they should be investigated as well as published.
Product: Checking or savings account

My son and I had a joint account and he was in a gaming tournament and received a check for his winnings. The check was never cashed and the account was closed and they placed a fraud remark under my social security number and my son as well. He was XXXX and didn't know the check was bad. He never had any issue with the account he had for XXXX years. We tried to dispute with no success. We want to be able to open accounts with other banks
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact Equifax and XXXX, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of this.