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

I am writing to issue formal dispute under the Fair Credit Reporting Act, 15 U.S.C 1681, regarding multiple unauthorized and inaccurate accounts 15 accounts to be exact appearing on my credit report. These accounts were unlawfully compromised due to a data breach that reflects your gross negligence in safeguarding sensitive consumer information. These accounts are as following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been fraudulently accessed or inaccurately reported due to your failure to uphold the security of consumers data as mandated by 15 USC 1681 e ( b ) which requires credit reporting agencies to use reasonable procedures to ensure maximum possible accuracy of the information they report.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX to correct information on an account, as they have a responsibility to report information accurately per 15 U.S.C.1681e and required to provide documentation to prove their claim per 15 U.S.C. 1637 ( b ) upon request. I have not received requested documentation. This is a tortuous and negligent act of willful civil non noncompliance per 15 U.S.C.1681n and 15 U.S.C 1681o, to which XXXX will beheld liable without adhering to the F, C, R, A, and violating my consumer rights.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file mumber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 will be filing XXXX  XXXX treasury XXXX forms to audit consumers account EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

This item has been disputed multiple times. Despite numerous FCRA violations LVNV continues to violate my FCRA rights. They have violated 15 USC 1692g. They have failed to provide information as follows : 1 ) Method of verification 2 ) Full payment history 3 ) With whom they spoke to verify this information and their title. 4 ) A copy of contract signature. An FTC report has also been filed.This erroneous reporting has negatively impacted both my mental health because of my inability to obtain credit from potential lenders while having this item which is negatively reporting on my consumer credit report. I have attached both the debt validation letter that was previously mailed to LVNV Funding as well as a cease and desist letter.A hard copy has been mailed to this collection agency as well. LVNV Funding has already violated the FCRA by purchasing my information without my consent and infringed upon my right to privacy x2 because they have reported this item negligently to all three bureaus. XXXX, XXXX and XXXX.
Product: Student loan

I have been enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX. I met all the criteria for having my loans forgiven under the program in XX/XX/XXXX and I submitted all the necessary applications for the program at that time. When Mohela took over the program from XXXX, I noticed many errors in their payment tracker. They were missing eligible payments I made when the loans were under XXXX. I called Mohela several times to alert them of the issue ( even speaking to supervisors ) and I was told that " lots of accounts have errors and we are eventually going to fix them ''. I kept tabs on it and it has been almost 2 years and they are still missing eligible payments. I have XXXX counted as eligible, but they keep skipping XX/XX/XXXX and XX/XX/XXXX. I paid the full amount due for both those months and have told them this for the past XXXX years via messages and phone calls. I opened a case with the US Department of Education regarding this matter as well that is still not resolved. I was told via message that the account was in forbearance in XX/XX/XXXX and XX/XX/XXXX- but here 's the kicker - I never filed a forbearance request. I believe Mohela is presenting false information to delay approving XXXX loan forgiveness for borrowers so they can prolong receiving money for payments. I even called them out on XX/XX/XXXX in writing to produce proof of a forbearance requested by me at any time in XXXX and they ignored my message- which makes me think someone discovered they were indeed at fault and made a mistake. I received no response other than the templated response they send everyone that says they will address the matter in XXXX business days- well they never responded to my request as to whom requested a forbearance on my account in XXXX if that is true as their representatives claim. They have errors in their data and I and other borrowers have suffered for it. What makes it so egregious is the fact that I asked for a printout of what they had in their files as payment records -- the printout Mohela sent me SHOWS PAYMENTS made XX/XX/XXXX which should have been marked as eligible! How can their own records show the payment yet they keep denying it happened?
Product: Credit card

I was charged a return check fee in error in XXXX of 2015 by Barclaycard XXXX. 
I called their customer service line and was assured that it had been removed. When my payment date came and went in XXXX, I was charged a late payment fee as well as interest on the borrowed money. I called again to complain about this issue, was told that XXXX the original returned check fee as well as the late payment/interest fees had been removed and that the information should show up on my account in 2 business days. 2 days later, the interest and late payment fees had been removed, but I still had a balance from the returned check fee. So I called again and was told that the return check fee had already been removed and that it should have shown up on my account. It still had not and so I was again told that the original returned check fee should be removed and that it should show up again on my account. This time I waited a couple weeks more before checking again and again seeing that it had not been resolved. This back and forth went on through another payment date and again i was charged a late fee and interest on the account. I 've called again and am waiting for them to call me back in 3 days to confirm that everything has been resolved and my balance is at XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information reported on my credit report by all three Consumer Reporting Agencies. Specifically, my account with XXXX ( Account Number : XXXX ) is showing multiple months of being 180 days late, which is incorrect and misleading. 

Details of the dispute are as follows : XXXX. Inaccurate Late Payments : My credit report shows that I was 180 days late for multiple consecutive months in XXXX and XXXX. This is factually incorrect and does not reflect my actual payment history. Such inaccuracies are severely impacting my credit score and overall creditworthiness. 

This inaccurate reporting is a direct violation of the Fair Credit Reporting Act ( 15 USC 1681 ). I am hereby putting you on notice that failure to remove this inaccurate information from my consumer report within 30 days will be considered willful noncompliance with the FCRA. 

I request that XXXX, XXXX, TransUnion, and XXXX take immediate action to investigate and remove this inaccuracy from my credit report. Please provide written confirmation of your investigation and the corrections made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  # XXXX I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize Experian, - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization I have disputed this time and time again and they refuse to follow fcra
Product: Debt collection

I received papers of a garnishment at my employment and was unaware of any judgement. The debt is from XX/XX/2011. The amount is {$1600.00}. I called the company and explained that I never received any notification of the debt or judgment. This debt does not show up on my credit report either. If so I would have taken care of it. I asked company if they could drop the amount and could only do {$80.00}. This debt seems like scam since it shows up nowhere expect for Johnson Mark LLC attorneys at law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021 SPS ( Select Portfolio Servicing ), XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX, misapplied my monthly payment to the principal of the loan. I have contacted this company on XXXX and subsequently on more than 5 occasions to resolve this issue. SPS refuses to resolve this issue and instead provides excuses, lies, and misdirection. 

SPS refuses to hold themselves fiduciarily responsible for my money and further refuses to correct a simple accounting issue.
Product: Checking or savings account

They keep suspending and Frozen my account and it's unable in me to transfer the money XXXX unable to link a car to the account make a bank account to the account
Product: Mortgage

Since XX/XX/2017 we have been trying to get our payment lowered by having the loan modified through the loss mitigation process. It took almost 9 months for a approval. They kept asking for paperwork I had already sent. While they wait for that paperwork other paperwork was out of date then they would request that again. I had to send them a hardship letter 5 times and pay stubs all most 10 times.I have fax confirmations. Our attourney sent the paperwork and authorization and they said they didn't have it at all. So I complained to the state and assigned someone then o got a approval. Then the trial period started and rather then lowering the payment everything increased.They said the reason is because of the back pay. So I filed a hardship with the state now it was current and we just needed it processed. Now we have to start over and now they are playing the paperwork game again and now we have a 30 day late payment. And they still have not explained the fees they charged and can't .Its just money they took from me.
Product: Credit reporting

Transunion shows XXXX account as C/O ( Charge Off ) whilst it was paid in full.
Product: Mortgage

I applied to refinance my home through Wyndham Capital Mortgage. The mortgage agent, XXXX XXXX, Senior Mortgage Consultant ( NMLS XXXX ). I was told that my credit scores are XXXX, XXXX, and XXXX ( XXXX, XXXX, and XXXX respectively ). Credit scores were pulled XX/XX/2020. My XXXX score was XXXX as of XX/XX/2020. When I pulled my scores, they are significantly higher ( XXXX, XXXX, and XXXX ). I requested the documentation behind their scores and I am awaiting them in the mail. The variance in these scores, places me below XXXX which means my rates are higher and there is more rigor in deciding my fate for a refinance of my home. I have worked with credit companies and mortgage companies and never have encountered a variance this high. I pressed XXXX for clarification on these scores and he verified that they were indeed XXXX scores and that my credit score is different form credit monitoring. I understand that and let him know that I pulled the score directly from XXXX today XX/XX/2020. I am concerned that other factors not on my credit report or monitoring may be taken into account and I don't know what those factors are.
Product: Vehicle loan or lease

My husband and I have been trying to refinance our loan that is currently with GM Financial since XX/XX/2019 due to the extremely high interest rate. On XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX again, XX/XX/XXXX, and XX/XX/XXXX we have requested payoff to XXXX XXXX XXXX XXXX. Each time, after being on hold for 5-10 minutes, the associates indicate that the payoff would be sent within 2 - 24 hours. We have requested the payoff be faxed to XXXX. On Friday, page 1 of  a fax from GM came through ; however, no payoff on our loan. To-date, XXXX XXXX XXXX XXXX   has not received the payoff. This is likely a ploy to retain more simple interest at 6.9 %!! This is an abusive practice!
Product: Credit card or prepaid card

I have contacted SYNCB on behalf of a Lowes credit card, because they are reporting to the credit card agencies saying that I have a balance over {$5800.00}. I sent them letters to have them prove to me that I have singed a contract with them. They told me I was an authorized user on this account I asked them to remove me from this account as a authorized user. I haven't heard anything from them. They purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. 

This is the POSTAL ARTICLE NUMBER sent to SYNCB asking them to remove me. 
1. ) XXXX
Product: Debt collection

Check was sent to cover entire bill was cashed and yet still reporting on my credit report. They received more than the entire bill. Nothing but problems trying to get more money from my checking account when its more than enough to clear a. XXXX XXXX or ding to their document. I had to get my bank to not allow them to continue taking money when they have been paid.
Product: Prepaid card

On XX/XX/XXXX, I purchased {$50.00} Google XXXX gift card from XXXX. 
On XX/XX/XXXX, I tried to redeem the Google XXXX gift card on Google XXXX but keep getting Couldn't redeem this code. This code can only be used in United States. See Gift Card terms of service. 
On XX/XX/XXXX. Try to contact Google support but couldn't help. 

XXXX  Order # : XXXX Google XXXX  Redeem Code : XXXX XXXX XXXX XXXX Google XXXX  Serial number : XXXX
Product: Credit card or prepaid card

A JP Morgan Chase & Co. credit card was applied for using my personal information and 2 charges was placed onto the card for the total amount of {$13000.00} I reported the fraud incident to Chase in XX/XX/2017 with a supervisor closing the account immediately. Chase evidently did not remove the amount charged and cancel the credit card as stated, so several months later I randomly began receiving billing under what appears as a different credit card number. Chase asked me to send a fraud affidavit with a copy of my driver license and personal information. Chase never called, emailed or sent any written response confirming they had received my affidavit and what they were doing with my information. Since sending my affidavit I have spoken with fraud supervisor after supervisor with zero results. I have asked for a US based English speaking supervisor or above and I believe Chase is misrepresenting their staff, as each supervisor I have spoken to is a foreigner trying to speak English on what appears as a US phone number. I have repeatedly requested a copy of the signed credit card application that they say was applied by me. They have refused to provide any such application. They have required me to continue paying for the minimum payments and claim they are investigating. I do not believe there is any investigation and as I have mentioned to previous supervisors there should NOT be any monthly charges necessary during a investigation and why did you close the account and several months later Chase decides to reopen a new account with zero communication with me. I have asked how the application was completed and signed i.e. by mail or if completed on the internet then what IP address initiated the application. It would appear Chase could easily check my IP address to confirm I did not make application. Again, they ignore all requests for any documentation. I have never applied for a Chase credit card, and I have not authorized anyone to use my personal information to make an application for a credit card and do not authorize any of these charges. Chase states in writing a Zero liability protection for unauthorized purchases and fraud protection. Chase endorses this policy in writing yet I am still having to pay a minimum payment in order to maintain my credit score and good credit bureau reports. I have fraud alerts in place at all 3 credit bureau 's and attempted twice to get the county Sheriff 's office to make a fraud report but they unfortunately said it is between me and the credit card company. Chase has violated not only federal regulations but their own written rules and promises to their customers.
Product: Mortgage

Except for a 3 year period between XXXX and XXXX I have paid additional principal amounts over and above the minimum amount due on my mortgage for the past 12 years. As a result of the increased payment amounts the loan is nearing payoff and according to my records the loan will be fully paid in approximately 8 months. All payments have been made on the loan on time and there has never been a late charge assessed by the lender during the life of the loan. After recently acquiring the loan and for the past 3 years Ditech has withheld applying the additional principal amounts they received each month by suspensing them in an " Unapplied Funds '' hold. By withholding applying the additional principal amount from the loan Ditech has increased the principal loan balance by approximately {$1000.00} and has increased the total pay-off amount of the loan by approximately {$4500.00}. There is an approximate amount of money in their unapplied funds account of approximately {$3500.00} not recognized in a pay-off demand statement. Ditech must apply the additional monies they received over and above the minimum amount due back to the starting date of their receipt of them 3 years ago and they must correctly re-amortize the loan to reflect the additional principal amounts they received. To date Ditech refuses to provide a detailed amortization schedule with running principal balance total and an accurate accounting of amounts currently suspensed in an unapplied funds account.
Product: Debt collection

This is not my account. I dont have any idea about this account. I was not notified or anything about this account.
Product: Checking or savings account

Am Having A Problem With my Bank Of America Checking Account i Was Charge {$35.00} Dollar Overdraft fee on my Account for a Transaction From XXXX I Contacted Bank Of America Customer Service to see if they would help me remove that fee from my account i never had a overdraft fee on my account please help me with this problem please
Product: Checking or savings account

I went on a trip to visit my family out of state. When I returned someone broke into my hose and took documents and everything of value. Not only did they take my documents they found a way to get into my bank account and steal my money without me knowing. They accessed my account and took out over {$5000.00} dollars. It is my savings and all of the money I have. I tried to tell the bank it was stolen but they say I did it! When I was out of state! The bank says I let someone take my information and they will not help me get my money back. I filled a police report and they still will not listen.
Product: Debt collection

NCA ( debt buyer ) /speedy cash XXXX debtor ) keep placing on credit that I owe them over {$2000.00} dollars on a {$800.00} dollar loan. I have no paperwork of owing that amount but I have several emails on the original amount owed, payment and an email that they owe me a reimbursement. The also call and act like a government agency when contacting me. The 3 credit bureaus refuse to remove from credit reports. They keep buying this old debt and placing it as new on my credit reports. This was opened in XXXX on credit NCA is reporting like I have a new loan in XXXX with there company. On XX/XX/XXXX they marked it as a collection.
Product: Payday loan, title loan, or personal loan

I took out a title loan XXXX XXXX, 2021 at Loan Star Title Loan XXXX XXXX XXXX  XXXX for XXXX. My loan payment was due XX/XX/2021. I called to make the payment XX/XX/2021. Unfortunately, my car was hit by another car and totaled on XX/XX/2021. 
I notified the XXXX XXXXompany. The XXXX  company sent a payoff request to Loan Star title XXXX and Loan Star title requested XXXX to payoff a XXXX loan less than 60 days. I called and spoke to XXXX at XXXX. I advised her this is considered predatory lending. She stated Loan Star Title would refund me the over stated interest shown on the pay off. I can not get her or anyone in her office to answer or return my calls regarding my refund check. I was charged ~ {$1700.00} in fees for a loan less than 10 days past the due date due a car accident that wasnt my fault. I am requesting your assistance to help protect people needing this type of service against senseless predatory lending in Texas.
Product: Debt collection

On XXXX XXXX XXXX, a representative from Wells Fargo called my place of employment. This was an attempt to collect a payment, but the phone call happened during business hours in which I am not allowed to take personal calls, unless it is an emergency. This phone call took me away from my duties, and caused embarrassment.