23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had an initial mortgage with loan care ( see prior CFPB complaint ) that was finally refinanced after 7 months. I completed the closing and brought the XXXX dollars they said I needed to " catch up the escrow ''. The home that was refinanced was sold on XX/XX/2021. The closing has been pushed three times due to Lakeview not providing pay off, and payment information. The closing is now on hold because lakeview didn't pay the taxes from the escrow at the refinance. After a week of phone calls I was informed with the real estate attorney who is doing the closing for the buyer that Lakeview took the escrow funds for themselves as closing costs, plus the XXXX they had me to bring to the closing. 
The real estate attorney says there is something very fishy about this as there was no appraisal or appraisal costs and that from the documents I have the taxes are listed as an expense and not one to XXXX. No one was able to say what over XXXX was spent on. He also informed me that they can not just reallocate escrow to themselves. If the escrowed amount is to be used as intended. At this point the initial XXXX in taxes is now XXXX due to late fees and interest. The taxes must be paid for the sell to go thru as the contract can not be extended again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information from my credit report, and it still has not been resolved.
Product: Credit card

I registered my phone number XXXX on my capital one credit card account. I even had the mobile app on my phone and I was able to login in XX/XX/year>, when I paid off the credit card. 

It seems some employees within the Capital One Credit Card company, committed hate crime against me and allowed this account to get hacked. 

It also seems they stole the payments I made to credit card company and the hateful XXXX XXXX  employees allowed it to happen.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulling credit with out permission 15 usc cod 1681c compliance procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I called Bank of America credit card co. to take charges off of my statements, which I returned the merchandise back to Certified Fulfillment XXXX, XXXX/XXXX/XXXX, tracking # XXXX XXXX XXXX XXXX XXXX, and Certified Fulfillment received it XXXX/XXXX/XXXX, the free trial of XXXX I ordered which I paid {$4.00} shipping was posted XXXX XXXX/XXXX/XXXX, XXXX " XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} ( which I paid ) I took the XXXXXXXX XXXX couple days and developed a XXXX ) I called that phone # and they said they Do not sell that product so was unable to contact them, so waited and another package from them came XXXX/XXXX/XXXX, With No Phone # to call them, So I repackaged it up with the Free trial in the same package and put there address on it XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, Then the Next Credit card statement from Bank of America posting Date  XXXX/XXXX/XXXX XXXX XXXX XXXX {$87.00} and posting Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00} tryed calling both phone # 's to resolve the issue, that I returned the XXXX XXXX and they said they Do not sell that product which I originally ordered XXXX XXXX for XXXX pain, I called Bank of America to file a Dispute on the Charges and not to accept anymore charges from them on my credit Card, Now this Month I get another Statement from Bank of America ; posting Date XXXX/XXXX/XXXX Bal ADJ /XXXX XXXX {$87.00} I called XXXX/XXXX/XXXX about this charges again, and talked to several people their, they kept transfering me over to someone else, I told them I want to talk to a supervisor, finally some guy got on the phone and said they cant do nothing about the charges thats between me the company Certifed Fulfilment to get it straightened out since I returned the product back to Certified Fulfilment. 
So XXXX/XXXX/XXXX I call Certified Fulfilment and told them, what Bank of America told me, and he said, That its Bank of America that should straighten it out for me and Hung up, ( Certified Fulfilment has bad reviews on the BBB, which I did not know and found their correct Phone # XXXX XXXX XXXX XXXX ) Can you advise me what I can do to get Bank of America to take the charges off of my credit Card statement,?? 
I am XXXX years old and calling these places and sitting on the phone for transfering to different people is very frustrating, and after all this sitting on phone, nothing gets accomplished,
Product: Credit reporting, credit repair services, or other personal consumer reports

My drivers license was lost in XXXX I got a new one then someone stole my wallet with id and credit card and used it in XXXX... I have notice that there are inquires on my account which leaves me to believe they are trying to use my identity..
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided proof that the XXXX bill, XXXX/XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY BK XXXX was denied and therefore the debt was no loner BK protected and I paid all of these debts in full. Yet, XXXX, XXXX and Transunion are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.
Product: Credit reporting or other personal consumer reports

I have submitted valid complaints against Experian and now I can no longer get through to a representative to check the status of a previous dispute. When I call Experian at XXXX MY only menu option is for a copy of my credit report or about my credit freeze. When I call Experian from my daughter 's phone the menu options are extensive! 

Because of my limitations on the Experian menu I am unable to check the status of MY report. The same report that Experian allows Companies to say whatever they want about me and my credit. The companies can reach them but I can't. 

Experian needs to explain why the amount of a debt from XXXX XXXX is different from the other 2 bureaus and then, they need to remove this debt as it is fraudulent. I have provided Experian with the documents I have provided to XXXX XXXX and it needs to be noted that I have NOT RECEIVED ANY documents from XXXX XXXX in reference to the debt they claim that I owe. 

This is turning into a legal matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian regarding inaccuracies found on my Experian credit report. Experian claims they did an investigation and updated the accounts, but did not provide me with physical documentation substantiating their investigation. The accounts are still inaccurate and are a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX Date Opened : XXXX Balance Owed : {$380.00} Dispute Status :. I am uncertain when it comes to the Balance of {$380.00}, because I dont recall owing such a high amount. Since the account is closed and charged off, the past due amount shouldnt be reported
Product: Mortgage

Dovenmule Mortgage agreed to work with me because I was struggling to make Payments at the end of last year. Consequently, I made payment arrangements and entered into a forbearance period. However, I was told that the payment amount was due in full at the end of the three month period. Nobody could honor the loan in this situation moving forward after what was considered favor. The forbearance was in a fact a death sentence to me owing the property. It was ominous! I panicked and sold the home on XXXX XXXX  XXXX. After, they post a late payment to my account. When the escrow to sell was closing, I was told at least five times that the derogatory information would be removed and that I just had to wait and be patient. Months later, they have not removed the late mark that is harming me during this pandemic. I need to buy another house to live in ASAP.
Product: Debt collection

I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to LVNV Funding and Attorney General of Texas complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these items and it is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items listed below : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX
Product: Debt collection

My credit report recently had collection attempt for {$1900.00} from PORTFOLIO RECOV ASSOC, first digits of account are XXXX. They claim on their records to have purchased this from XXXX. I have personally contacted XXXX and they have no records of my social security number being linked to this or any other account. I contacted the collection agency for any documentation what so ever and they have not contacted me back. They have never called me or emailed me before randomly appearing on my credit report this month
Product: Vehicle loan or lease

I purchased a used truck that was financed through a loan company United Auto Credit, the dealership is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After purchasing the vehicle I sent my first payment on time as per our contract. About 10 days later I began receiving calls from the dealership saying that I missed my payment and that they were repossessing my truck. I called the bank and they said that the money order was damaged and they could not cash it, so I told them I had the receipt and would apply for a refund and forward it to the loan company, which I completed. Now I received a letter from the PA DOT that my check bounced and my plate and or license will be suspended on XXXX XXXX if check is not made good. Rewind, the check the dealership submitted to Pen dot was only given to hold the truck from being sold to someone else according to XXXX  at the dealership, but after the mix-up with the money order, the dealership claimed right to repossess the vehicle because of a contract with loan company that if missed my first payment, they get to repossess the vehicle in question. I called the bank and they told me about the money order mishap and that the dealership had no right to repossess the vehicle. So fast forward and the dealership gets angry and alters the check to match the fees for title, plate and taxes and submits the check to Penn dot even though the loan company said that these fees were included in the Auto loan contract originally but this is where we stand today without the ability to freely drive the vehicle I purchased.
Product: Debt collection

XXXX XXXX XXXX debt collector from different companies over the past 2 years constantly harassed my phone numbers emails I blocked one of them another one keep reappearing over and over repeated cycle they attack my credit Will ridiculous debt that I'm not recognized with I would like something dealt with it please I disputed it and they keep harassing me make it stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : XXXX, Equifax and XXXX, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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
Product: Debt collection

Violations of the Fair Credit Reporting Act under 15 U.S.C. 1681 for intentional failure to comply can lead to civil liability as stipulated in 616.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX in CA in XXXX XXXX. My turn in date was XXXX XXXX. 
I turned it in at the Kia Dealer in XXXX XXXX, VA on XXXX XXXX, XXXX. They looked at the car said there would not be problems. They also explained that Kia sends a Company out to inspect the car and I would hear from them is there were problems. I got a letter from Kia dated XX/XX/XXXX stating that there was {$1000.00}. dollars in mis-use or excess Wear and Tear. I immediately called Kia. They sent me an e-mail with pictures of a scratch on a door and some bumper damage. There was also some dents from something falling on the car on the roof. I told them the car had no door scratch and no bumper damage and I did not know about the roof and that it was always parked out side so I would agree to pay for the roof damage but not the other damage. They said if I do not pay the entire amount by XX/XX/XXXX they  would report me to the credit bureau. I do not want this to happen. I can not even be sure this was my car. They should have inspected it in front of me. I had no door scratch and no bumper damage when I turned in the car. I think they are running some kind of scam, it could just be the inpection company because I am sure they are paid on what they bill. Please help me straighten this out. 
Thank you.
Product: Mortgage

I own a home in XXXX where I am originally from. The market for properties over {$400000.00} is very bad there. I lost my old job and found a job two hours away in XXXX, DC. We tried to rent or sell the property for months, listed at mortgage balance price, and received no offers. I reached out to the mortgage company, Carrington Mortgage, who explained that I was approved to do a deed in lieu of foreclosure or short sale because I had to take a job in XXXX, DC and move from where the home is in XXXX. I start a new job on XX/XX/2019 and will make half what I made before. XXXX said that they, and the VA, approved the mortgage for both a DILF and a Short Sale. They spoke to my agent and had him change the listing to be an approved short sale, which he did. They then reversed course a month later and said that the request was denied. They are making me reapply for a short sale again to supply the new income information. I feel this is inappropriate activity and am trying to work with Carrington but they are acting in bad faith. The negotiator told me that his manager told him that they are revoking the approval to do a short sale after five weeks of listing. We have repeat tours from a possible buyer and the mortgage company is playing games. The mortgage loan is # XXXX at Carrington Mortgage Company for a property we have vacated at XXXX XXXX XXXX XXXX, XXXX, PA XXXX.. 


XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My drivers license is not suspended and I have a letter from the dmv saying its in good standind
Product: Debt collection

On XX/XX/XXXX I checked my credit on credit karma and noticed that this car loan ( Credit Acceptance Corporation ) was on my report and that i have no knowledge of this loan. I contacted the company and they have informed me that they are only gon na take this off if i dispute it thru the CFPB. I have reported this to the company and they are refusing to investigate or show proof of my signature to show me that i signed a car loan. 

This is a car loan that is dated XX/XX/XXXX and they are reporting that I owe them money for a truck that i never signed for.
Product: Debt collection

I have been disputing an account with AFNI who bought an old ( and paid ) debt from almost XXXX years ago. Not only is it on my credit report when it should not be, but they are also RE-AGING the debt to show a date from 2016, and responding to my dispute requests with lies to keep it on my report. I have not been able to get any information from AFNI on what date they show as first delinquency, but I have not used the phone service of the original creditor in nearly XXXX years and therefore the SoL is definitely passed regardless. I have submitted multiple dispute requests to XXXX   and each time they close out the dispute by saying the account meets FCRA requirements. It does NOT! And re-aging collection accounts is ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I requested a copy of my free annual credit report and seen inquiries on it that I did not give my permission.I was shocked to see them, this is against the FCRA laws XXXX of XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX