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

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to XXXX8 USC 1028. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is not mine which is a violation of 15 USC 1692B ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX/2022 XXXX XXXXXXXX XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named WESTLAKE FINANCIAL SERVICES. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act all these accounts have 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15.U.S.C 1681 section 602 A. States that 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 an account without my written instructions
Product: Debt collection

American Express contacted phone numbers that I never gave them. 

They left messages They shared my data to XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, US Bank ( XXXX ) XXXX out of XXXX, XXXX called my phone however I didn't answer. I don't have any financial products with them so there is no reason for the call unless they are trying to sell me something. I checked my credit report this morning ( XX/XX/2022 ) and US Bank ran my credit. I know I have a freeze on my credit due to previous possible fraud, so they have to verify it was me. I called US Bank this morning and they said they never ran my credit. So how did it get on my report? 

Also, XXXX XXXX ( XXXX ) XXXX out of XXXX XXXX  called me the same day and I talk to one of their representatives a specifically told the I am not interested in any loan products. I looked at my XXXX credit report and they also ran my credit. When I called them I was told they run your credit first and then call you for permission to run. What? So again what's the purpose of a credit freeze if they are allowed to run your credit without verifying it's you? 

How many other companies are doing this?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports show my mortgage paid late even after I made forbearance arrangements with the lender in violation of the CARES ACT REGULATION 5. 
I have attached a copy of my report for this account for the last 2 years. 

The other complaints were credit card companies that reported lates after arrangements were made and honored. Please see attached files for each account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX  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 an 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

it is about chase auto loan payment, reported to credit bureau at XX/XX/XXXX they said it was later over 30 days. 

Since i bought the car at XX/XX/XXXX, i never received bills from them. 
I called in and paid my very first payment, after that i told them that i never received any bill or letter from Chase auto, they told me it was automaticlly set as paper less. 
i was concerned that i told them my job requires me to travel all the time, i do need to have physic letters sent to my apartment, so my wife and parents can handle it as all the others bills i have. 

But still i never received the payment, neither me or my family got one at all. 

I paid several payment via phone. Back to XX/XX/XXXX, after i paid via phone, i told them i need to have physic letters from them, and set me up as auto pay. 

the representative said they can help, so they put me on hold for more than 20 minutes, and the call ended automatically. 

I thought i have done the auto payment setup. i still never received anything emails or phone call from chase auto. 

at XX/XX/XXXX, i received a phone call said i have a payment overdue for more than 30 days, i paid it off immediately. I asked the Rep how could that happened? I never received bills via mail ( I ASKED THAT 2 TIMES ), and last time when i paid my bill, the rep said they can set me up and put me on hold. Now, they said auto pay can not be done unless i have an chase online account. It is frustrated that i was informed they can set it up for me via phone, but now they said it can only be done via phone. 

Also, during the period of the late payment, i never received any information from them. 
but they kept saying they did. 

Since day one, i never receive their letters for billing, i had to call them by myself to solve the problem. ( i found the information via an app called XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts and 
inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 U.S.C.  1681c2(a) and FCRA  605(b), I am entitled to have these items removed as they were a result of 
identity theft.
Please find the details of the fraudulent accounts and inquiries below:
Accounts:
1. XXXX XXXX XXXX XXXX XXXX - Balance: XXXX
2. UNAUTHORIZED COLLECTION - XXXX XXXX XXXX - Balance: XXXX
3. UNAUTHORIZED COLLECTION - XXXX  - XXXX - Balance: XXXX
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: XXXX
Inquiries:
1. XXXX - XXXX
2. XXXX  - XXXX  3. XXXX - XXXX
4. XXXX  - XXXX
5. XXXX XXXX XXXX XXXX XXXX
6. XXXX XXXX XXXX XXXX XXXX
7. XXXX XXXX XXXX
8. GXXXX XXXX XXXX
9. XXXX XXXX XXXX
10. XXXX XXXX XXXX
11. XXXX XXXX XXXX  12. XXXX XXXX XXXX  13. XXXX XXXX XXXX
14. XXXX XXXX XXXX  15. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted XX/XX/XXXX TransUnion,XX/XX/XXXXand XXXX XXXX in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that XXXX XXXX has reported this without proper verification and stated that it was public information and that they received the information with the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. The account number that is listed is invalid it is not an original account number and can not even be verified. the law states that the original account number must be provided and have no asterisks and anything inaccurate reporting. The account number has been compromised and is invalid. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.
Product: Credit card

There are unauthorized charges on my credit statement. My credit information was compromised as all my mails were reported stolen. see attached police report
Product: Credit reporting, credit repair services, or other personal consumer reports

While using XXXX credit report ( transunion ), I saw that my address was updated to one that is not mine, an account was opened that was not mine, and an inquiry was made by a bank I don't use.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained credit reports from XXXX, XXXX, and Experian. On all 3 credit reports, I noticed a total of 14 late payments still reporting on both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) student loan accounts. XXXX has a policy that has been in place since XXXX surrounding approved forbearances covering and reversing any late payments obtained during that time. I reached out to XXXX via email to their Consumer Advocate Team to let them know that they were reporting late payments on my credit report that shouldn't be there according to their forbearance policy. I received a response 2 days later saying that all credit reporting information from their company is factual and I need to dispute it through the credit bureaus.
Product: Checking or savings account

XXXX XXXX Bank of America - XXXX I noticed an unauthorized charge on my checking account on XX/XX/XXXX in the amount of XXXX from XXXX The first representative said that I could place a stop payment to prevent this company from billing me again but I could not dispute the charge until it posted on my account. I called back on XX/XX/XXXX and a representative told me that it was possible that the stop payment was placed in time and that the transaction would be reversed. This did not happen and the transaction posted to my account. At XXXX this morning, I called to report this transaction. Instead of this being treated as fraud, they listed it as a billing dispute. I asked why and I was told it was because I had a charge from this company almost a year ago ( XX/XX/XXXX ). I never gave this company my new debit card information. 
The representative basically said that I could not get a provisional credit and she did not ask me for any information, She just said the claims department would make a decision. I have no clue what they would base their decision on ; therefore, I called the company that stole money from me. I have paperwork that list several discrepancies. 
I called Bank of America once again and was told that I could fax the information to the claims department. I sent an 11 page fax to XXXX. 
I called this afternoon to make sure the fax was received and Bank of America says they did not receive it. 
I feel as though my request is not being taken seriously, It is a less than a week before XXXX and my concerns are merely brushed off, miscoded as billing dispute and I did not receive any type of temporary credit. This is indicative that Bank of America has no desire to find out the truth. They will not help me and I feel as though I was punched in the stomach this morning when my concerns were not properly addressed. This is not fair to me, I want my claim treated as fraud and I want my money returned to me.
Product: Debt collection

Currently, my husband and I are being sued by a law firm representing the City  XXXX   XXXX  Water department. We filed a Chapter  XXXX  in   XXXX   XXXX    . Our rental property was included in this bankruptcy. However, fro m   XXXX  - XXXX  un til the bank took possession of the house, we were charged for the non-meter water account. We received notification from the  City reg arding this debt. Each time we forwarded the information to our Bankruptcy attorney who assured us that he would handle it. Clearly, they did n't take care of it because we was later sue d two yea rs after our BR was  discharged. I  'm being ignored by the water department and the attorney working on behalf of the  City of   XXXX  is trying to use a sledge hammer approach to handle this account. Moreover, I 'm filing this complaint against  XXXX   XXXX  because he committed an ILLEGAL ACT under the Fair Debt Collection Practices Act ( FDCPA ) by stating twice in an email.  XXXX   XXXX , falsely claimed that because the debt was tra nsferred ( a judgement entered against us ) was final and there was nothing we could do because our time have lapsed. Therefore, we lost our de fense. Which was a total fabrication on  XXXX   XXXX  's behalf. The fact is, we still had the opportunity to file a motion to set aside the default with the  City o f  XXXX , which we did.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Mortgage

Despite no request for a change in address, all correspondence is being sent solely to the borrower 's attorney. On XXXX XXXX, 2015, borrower 's attorney contacted GreenTree to request that all correspondence be sent to the borrower. The borrower herself made the same request to GreenTree the next day. On XXXX XXXX, 2015, the borrower 's attorney emailed GreenTree 's attorney in the foreclosure action, and made the same request. GreenTree 's attorney responded that he had raised the issue with his client and would follow up when they responded. Today, the borrower 's attorney received documents dated XXXX XXXX, 2015 once again solely addressed to the attorney. The borrower is distressed that she is not receiving any correspondence from GreenTree herself, despite our repeated requests. GreenTree should never cease correspondence with borrowers unless specifically requested by the borrower.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Ditech is managing a refinanced VA XXXX XXXX mortgage for me. I called them to find out why they are not reporting my mortgage to the credit bureaus and they said their policy is not report my type of mortgage. They could not give me a reason why and just said that was their policy. This has resulted in my credit report dropping over XXXX points because Im not showing a mortgage anymore.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying aI recently reviewed a copy of my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account for my credit report as soon as possible. Thank you.
Product: Mortgage

I have attached images and a pdf of all transactions to show dates. The mortgage company, Roundpoint, has on several occasions taken our escrow money as an advance recovery without disbursing the funds. It amounts to approximately {$5000.00}. In the time they were doing this, our fixed rate mortgage went up by approximately {$400.00} per month.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( Accounts ) : XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Mortgage

I XXXX XXXX  XXXX XXXX am filing my complaint against New Rez /Shellpoint Mortgage Servicing I have been dealing with dishonesty and forced insurance on my loan which I know is not in compliance. They increased my mortgage payment to {$2000.00} due to they duplicated the payment to the insurance to make me go into escrow shortage. Now they continue to charge me the incorrect amount because they feel I need to wait and continue to pay for their erroneous mistake that has caused me an escrow shortage that should not be. They have made no attempt to contact me at ( XXXX ) XXXX no have they resolved this matter accordingly. Adding to this that they are out of compliance as they forced their insurance on my loan causing me to pay out of pocket {$2200.00}. They said they paid to me but did not I appreciate your immediate attention on my complaint as I am being over charged and ripped off by New Rez LLC /Shellpoint Mortgage Servicing.

Sincerely XXXX XXXX XXXX XXXX
Product: Mortgage

I wanted to refinance my home due to the covid situation and consolidate debt from medical bills and other. I started the loan in XXXX and was very excited that Navy Fed was going to help me more since I'm a vet and 50 % XXXX. I started the loan got everything done the home was appraised for a good value then waited. In XXXX I tried to contact and had much difficulty getting a response. Finally they said it will be done by mid XXXX. At that time XXXXXXXX XXXX  offered me a forbearance option which I decided to take just to make things easier over the holidays. Well in XXXX they changed my loan person because he was taking to long promised to expedite this loan. This went to under writing multiple times and they have pulled new credit checks on my credit and continued to say there was issues because of the forbearance. I offered to just pay it off so we could move forward but they said don't worry it will be done in a few days. Now they say my appraisal has expired and they have to order a new one which has cause me much stress and XXXX XXXX wants to know my plan for paying them. Is this normal for Navy Fed? I have many emails but don't want to upload them unless you feel something can be changed.