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

In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX 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 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, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX there are several mortgage inquiries that I do not recognize. Whereas there should only be XXXX mortgage inquiry from XXXX XXXX. 

In XX/XX/XXXX I obtained a auto loan from Credit Acceptance Corp, I have seen several other auto loan inquiries being reported that are not recognized.
Product: Credit reporting or other personal consumer reports

The account listed on my report with American Credit Acceptance, ending in XXXX, has accessed and misused personal information and has not removed the account per our prior agreement to do so with payoff. In accordance with The Fair credit reporting act This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 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.
Product: Debt collection

I was contacted on XX/XX/year> from a debt collector by the name of Transworld. They were informing me that I have a debt owed. I explained to the agent XXXX that I didnt know where the debt was coming from and that I wanted to dispute the debt. She informed me that I would receive a letter in the mail within a week and I never received any notice. I called the company again on XX/XX/year> due to no response from the company. I spoke with XXXX again and she informed me that she would send out another notice. I called a third time and spoke with a woman named XXXX XXXX. She informed me that I should receive notices in the mail at some point. It is now XX/XX/year> and I have not received a debt verification letter or anything regarding the allegations of debt. The number that is contacting me is XXXX ( XXXX ) XXXX. I have never received any notice that I owed any debts to any establishment.
Product: Debt collection

it is portfolio recovery. I have asked them to stop calling me and the calls continue and the debt has not been proven to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT WELLS FARGO AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH XXXX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.
Product: Credit reporting

I sent a letter to Equifax requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local XXXX clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the XXXX clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
Product: Vehicle loan or lease

I have sent emails XX/XX/2019 and XX/XX/2019 telling I voluntarily surrender the vehicle as Im in a financial hardship and cant afford the car. Have gotten evicted and havent had auto insurance on this car in months. I have also called for them to pick the car up at address XXXX XXXX XXXX XXXX ga XXXX. They have not! They have been calling my job harassing me while Im at work and Ive asked them to not call my work.
Product: Student loan

I withdrew from XXXX University on XX/XX/XXXX., When I  withdrew It was due to the fact that I had been placed on academic probation and told that my Financial Aid would not pay for my next two-semester Tuition payments, They said I must pay cash. I am barely able to put food on the table so there was no question, I had to withdraw. When all of this took place I owed my loan servicer XXXX on one loan and XXXX on another. I never attended another class after this, yet, my loans were increased to XXXX and XXXX and I had no idea until I looked at my credit report today.XX/XX/XXXX ... these loans were increased in XX/XX/XXXX I was never notified at all, and i never recieved any additional funds! XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. ACCOUNT # XXXX ACCOUNT NAME : XXXX
Product: Checking or savings account

I am a small business owner and have a small business account with BofA I deposited a check for XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX and they said the money was debited from their bank on XX/XX/XXXX I deposited another check for XXXX from XXXX XXXX XXXX on XX/XX/XXXX I deposited another check for XXXX from XXXX XXXX XXXX on XX/XX/XXXX I deposited a check XXXX I went inside the branch and asked why the first check of XXXX was on hold when the check cleared my wife 's bank? The branch rep said the check will be cleared from the hold. 

Today, I see online the check has been put back on hold and when I call customer service they say it has to go to the reserve first. I asked to speak to a manager and no one has responded to my request. Now the XXXX remaining checks are still on hold. It has been 7 days and bofa is holding my money and I cant conduct my small business if they are not releasing my funds. How can they clear a check and then put it back on hold?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a charge off account on my consumer report and it a fraud account. I have already sent a police report to XXXX to let them know that it is fraudulent from the company regional finance llc
Product: Debt collection

XX/XX/2018 I sent a letter to diversified Consultants for debt validation. 
I received a letter back on XX/XX/2018 stating the mentioned account has been resolved for less than the full balance, upon return of payment, this letter will no longer be validation. 
Please Note : resolving the referencd account with XXXX XXXX for less than the current balance owed will not make you eligible for reactivation of service. Only the payment of the balance in full will be eligible for reactivation service. 

I do not feel like this is a validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint to Equifax with regards to 2 accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Equifax with regards to these to accounts. Please remove the following accounts from my credit file : XXXX  opened XX/XX/XXXX XXXX/XXXX opened XX/XX/XXXX The following addresses is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX XXXX XXXX
Product: Mortgage

I have a mortgage with SWBC mortgage and have for about 5 years. In XXXX I took advantage of the Covid forbearance program due to lost of income and increase in expenses. 

I put in an application for modification to start paying back on my mortgage in XXXX. I submitted ALL documents asked for, I have the email to prove. Later I was asked to submit a document from my husbands previous employer on their company letterhead stating that my husband no longer works for the company and validation of expenses " documentation can be in form of bills, statement or bank statments ''. I let SWBC know that this is something that I wasnt able to provide, his company did not let him go in a letter, they are not even in business anymore. I did however attached his tax documents for receiving unemployment in XXXX. I spoke with a representative on the XXXX and asked was that sufficient and was told that that is enough to show lost in income. 

Email 4 is when i sent the unemployment stub on XX/XX/XXXX. 
Email 1 shows utility bills sent XX/XX/XXXX. 

*Note* my husband is not even on my loan as a borrower or guarantor. 

Everytime I ask for a supervisor they say I have to wait 48 hours and I NEVER receive a call. I call the customer service the rep tells me they are working from home so its no way to get supervisor help or ask the underwriter specific questions. I do have a hud counselor involved now but things are not moving. This is my home! I dont understand why they will not take unemployment documents from the government to prove that he was unemployed instead of a letter. 

I have attached all documents submitted by email with time stamp.
Product: Debt collection

DEAR XXXX XXXX DC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ XXXX XXXX ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( XXXX ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Mortgage

In the fall of 2023 we asked the mortgage company to modify our loan after COVID forbearance. We had a very hard time getting consistent and accurate information regarding the process. Some people would tell us we were taking correct steps. Then we learned that the information was incorrect and we were at at risk of foreclosure. 

We had multiple agents give completely contradicting information that endangered our home and financial future. When we reported these issues we were told " sorry, nothing we can do. '' We were placed on a mortgage modification trial repayment plan. We made two on time payments no issue. 

XXXX XX/XX/XXXX we attempted to make a payment. I did not have the full checking account number and needed to call back when I had the check in front of me. 

I started to call the company two hours before their phone payment service closed. Every time I called I received a message that said " We are sorry if you received this during normal business hours. Please try again. '' I called nonstop, emailed every email address to communicate, and frantically begged for help. I called the next day to make payments. I called the following business day with a HUD housing counselor to try and address the issue. The company was unhelpful and shared contradicting information. 

These payments can not be made online. 

I did not miss a payment for any other reason than the issue with the phone line. From there I have had complete non-cooperation with the company. They will not return calls, will not give me a single point of contact, and will not provide consistent information. 

The mortgage company is now attempting to proceed with foreclosure even though we did everything we could to make that payment.
Product: Mortgage

CHASE CHARGED OFF THE ACCOUNT THAT WAS PAID AS AGREED ( BY MY EX SPOUSE ) WITH NO LATES ... .IT IS DAMAGING TO MY CREDIT REPORT AND IT IS STILL REPORTING A BALANCE DUE ... THIS IS NOT MY LIABILITY IN FIRST PLACE!!!
Product: Credit card or prepaid card

On XX/XX/2023, I made a payment of {$1100.00} towards my CareCredit card. This amount was made towards a promotional balance ending on XX/XX/2023. I have had various promotional balances paid off and CareCredit always put my payments towards those balances. Until this time. Instead of applying the VERY large payment towards the promotional balance, they applied it to the revolving balance on the card. I called to get the issue addressed and pointed out that they never handled my payments like this before, and because it has been over 60 days they are refusing to correct the application of the payment.
Product: Credit card

I had a Home Depot Credit card it gets reported as THD/CBNA. The account was closed XX/XX/XXXX. My ex-wife at the time decided to consolidate our debt and reached out to XXXX XXXX XXXX XXXX. Our accounts were then taken over by green path and essentially " closed out '' XXXX XXXX made monthly payments to all of our accounts via funds that were automatically taken from both my checking account as well as my ex-wife 's checking account. At that point we assumed we had nothing to worry about. We received monthly statements of accounts being paid etc..I am now in the process of refinancing my home etc.. and it has come to my attention that the THD/CBNA account is reporting XXXX months of missed and or late payments of XXXX, XXXX, XXXX + days. This is impossible and it should n't even be on my report at all. The account was closed and payments were then made from XXXX XXXX from XXXX XXXX until XXXX XXXX. This has got to be cleared up as it is negatively effecting my life right now and my credibility. I need THD/CBNA to admit they are incorrect and report to the agencies that there are no delinquencies to be reported. I am going to attach XXXX documents. The Welcome letter to XXXX XXXX which has my account number, the letter showing the THD/CBNA ( Home Depot account being paid off in full in XXXX XXXX and the spreadsheet provided by XXXX XXXX that shows each payment made since XXXX XXXX to the Home Depot ( THD/CBNA ) account. The account number and tracking numbers are all on the sheet they provided. Please help me get this cleared up. it is fraudulent reporting on the bank 's part and it is damaging my credit. Thank you for your assistance with this. I tried to reach out to XXXX last year to dispute this but it has to be done with THD/CBNA apparently and I want to make sure it is handled by a professional which is why I am reaching out to you.
Product: Credit card or prepaid card

Discover closed ( REVOKED ) my account claiming " malicious debt avoidance. '' The account was in good standing and all payments due were paid and up-to-date. The also confiscated my ORIGINAL negotiable instrument, valued at {$50000.00}, uploaded it to their database - but didn't return it to me. 
I submitted to Discover Financial Services, via certified mail/return receipt, a negotiable instrument, payable to bearer without recourse valued at XXXX XXXX dollars and XXXX/XXXX  cents ( {$50000.00} ). The accompanying instructions provided that their remittance payment coupon was accepted by the consumer, endorsed and made payable to the bearer, and that the limit should be increased and that the balance should be zeroed out. According to [ Exhibit B ], the instrument ( document ) had been dishonored, and yet it has not been returned, to me. 
Discover Financial Services has both, caused harm and issued threats up my federally protected, lawful rights to services for personal, family, and household purposes. This harm is due directly from Discover Financial Services unfair practices and false and misleading representation. Discover Financial Services contacted the credit reporting agencies ( XXXX, and XXXX ) to inform them that they had closed the consumers credit account. This communication was unauthorized and an invasion of privacy, and an unfair practice.
Product: Student loan

It is common knowledge that Discover Student Loans offers a .25 % interest rate reduction when a borrower signs up for automatic payments. 

I as a borrower have the right to choose these automatic payments as long as the amount remitted per month is equal to the minimum amount due per month. 

Interest on student loans is compounded daily. 

I asked if I could have the .25 % interest rate reduction by having weekly automatic payments as opposed to monthly full automatic payment and they stated that I could not as the .25 % interest rate reduction is only if you do it on a monthly level for the full amount ( Over {$600.00} in my case ) There was nothing stopping me from paying weekly, but I would still have the {$600.00} payment each month in order to qualify for the interest rate reduction. 

Paying weekly would allow me to pay the same per month AND have less interest accrue overtime on the principal balance. 

Whether or not you choose to have the payments be weekly or once a month on an automatic level SHOULD NOT bar me from gaining the benefit of the .25 % interest rate reduction on a loan with an interest rate of 13 %. 

I need this remedied. 

As Discover Student Loans has a no prepayment penalty. ALL benefits on monthly payers should apply to weekly payers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following listed accounts has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

This debt collector violated the FDCPA by engaging in XXXX, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of XXXX  language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : SOLVERITY - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX Accounts # 1-6, has VIOLATED My Rights.

1. XXXX XXXX XXXX XXXX XXXX Acct # XXXX 2. XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15U.S.C 1681 Section 604 A Section A : It also States a Consumer Reporting Agency CAN NOT Furnish a Account without My written Intrusctions.