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

Recently I have noticed a lot of accounts on my credit report that was opened fraudulently. 
I have disputed these accounts by phone with Experian and within 72 they come back verified. I don't understand how. As they are not Mine. I submitted disputes by mail and instead of honoring my request, I received an email stating that they do not believe it is really me disputing my own information and they don't believe it was someone I authorized either. As if I am not educated enough to do my own disputes. I was told I had to call them directly to file my dispute. I called them on XX/XX/2023, to confirm it was me that sent the disputes in question. I was on the phone with them for almost an hour. After confirming, they transferred me again to the fraud department and again I disputed the accounts. They removed all the inquiries attached to the fraudulent accounts but left the accounts on my report. They received another round of disputes today and sent the same exact email as if I didn't just talk to them confirming it was me. 24 hours ago. They also stated that because they don't believe I am filing my own disputes they are not going to take any action to remove or investigate. ( see email below ) This is getting out of control going back and forth with them. It is only Experian that is doing this to me. I have filed an Identity Theft report with the Federal Trade Commision as well. ( Report # XXXX ) They claim they never received that report, so I provided them with the report numberand i am resending the report. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of the Heroes Act - late payments were reported during the pandemic from XX/XX/XXXX through XX/XX/XXXX and account charged off XX/XX/XXXX. 
See attachment
Product: Mortgage

XXXX  XXXX XXXX, Loan XXXXPayment Sent XXXX, {$1500.00}. Payment Deposited XXXX Loan was sold to Pennymac loan # XXXX. 
XXXX  XXXX XXXX states this payment was forwarded to the new servicer, Penny Mac via wire transfer XXXX. 
Penny Mac has not credited the payment to my account.
Product: Credit reporting

On XX/XX/XXXX I received a notification through my credit monitoring service that my Equifax scored had dropped XXXX points. I checked my report and saw no negative chnages to my report. In fact my balances had decreased and I have no new inquiries. I called Equifax on XX/XX/XXXX and was told that there were no changes for my score to drop that much. Then I was asked if I had recently submitted a dispute and I said that I had. The rep I spoke to told me that disputing an item can drop my score. I was not aware that as a consumer I would be penalized for disputing an error on my report. The customer service rep could not give me additional information regarding this. My call was recorded by them and it can be referenced as proof that this is the reason why my scores dropped so much.
Product: Debt collection

Your company is in clear violation of the law. Under 15 U.S. Code 1681b- permissible purpose of consumer reports,
Product: Checking or savings account

My phone notified me my chase banking account was negative- over XXXX. I walked into chase bank reporting my account is overdrawn- XXXX. A lady couldnt do anything and told me to call XXXX XXXX. I did. They said it was not declined and sent the title.
Product: Credit card or prepaid card

My debit card with BBVA Compass Bank is being unlawfully monitored for political and/or XXXX purposes. They block my purchases and prevent me from spending within the daily limits. My purchases are being blocked since XX/XX/2020. The FBI may be involved in the unlawful campaign to monitor how I spend the proceeds from the sale of my home in Colorado.
Product: Credit card

XX/XX/year> I received a master card from SoFi I did not apply for this credit card, the day before I received a letter from XXXX XXXX states I applied for a home loan thru SoFi Bank National Association. Today, XX/XX/year> the agent states, I had mult applications with this company. I did not apply for a home loan or a credit card.
Product: Consumer Loan

I purchased a XXXX XXXX and financed through Hyundai Motor Finance. The car was recently involved in an accident and the insurance company ruled it a total loss and is trying to payoff the car. My agent requested the information on XXXX XXXX, 2015. He has continuously been given the runaround from HMF. First, they asked him for inappropriate information ( details about the loss, my insurance policy and the claim itself ). Then, they refused to confirm receipt of the information he requested. We were told it would be 5-7 business days from the date they " received '' the information he sent, but they refused to verify they received it. It is now XXXX XXXX and today HMF told him it would be 3 more business days from receipt of additional information that they once again will not confirm they received. I faxed them this morning demanding escalation and a call from management by XXXX, to no avail. Meanwhile, I am waiting on the excess proceeds of that payoff to use as my down payment for another car. Further, I am buying a house and the HMF loan is still showing on my credit because HMF refuses to cooperate in ACCEPTING PAYOFF OF MY LOAN!!! I really need someone to intervene and make them cooperate and communicate with my agent.
Product: Mortgage

We applied for a cash-out refinance to pay off debt with Rocket Mortgage in XX/XX/scrub> 2024, we were approved we paid the upfront {$500.00} fee and within 3 weeks we were approved. This is when things began to fail. Over the course of the next 4 and half months ( 130+ days ), we were ignored, forgotten and our was loan overlooked. We constantly had to reach out to find out what the delays were. The reoccurring excuse was waiting for " payoff amounts ''. When we would go to our creditors to obtain the information ourselves to help progress the process we were met several times with the creditors stating they had days before already given the information to Rocket Mortgage. At one point when we pointed out that we didn't feel we were being treated fairly like any other customer, we were then immediately given a new broker the next day. This was about 2 months into the process. They new Broker is supposedly working with the VP at their office. But neither service, nor expedition of our loan was any quicker, same excuses proceeded, same results transpired. Though at the end of XXXX we were finally scheduled for a closing, we took time off of work for the Notary to arrive for the signing. But the Notary never showed up, half an hour after our appointment time we called the escrow company who was just as surprised no Notary had shown up to do the signing. When escrow called Rocket Mortgage we were then told the signing had been canceled days before, but lender had not told us nor the escrow company. And that department did not know why it had gotten canceled. Our broker got back about two more times, apologized but did not give a reason why. After about a week later we stopped hearing from Rocket Mortgage all together, except they seemed to randomly pull a 2nd hard credit report without telling us they were going to. Then within two weeks after that we get notified that our loan was closed due to time lapse. By this point we are 130 days since we applied. We lost out on the 6.25 % interest ( we are now being given 6.75 % from a new lender ), we are out the {$500.00} for upfront cost that they are now refusing to refund though the fault of delay was 100 % theirs. We have had additional interest and penalties from our creditors we were trying to pay off with this loan to begin with. 
The unknown as to why servicing our loan changed and dropped and quite frankly ignored is very bothersome and had definitely caused undue XX/XX/XXXXand XX/XX/XXXX. Our treatment by Rocket Mortgage is unjust and bias. Definitely disparate treatment!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXrights . 15 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

NOTICE!!! As a federally Protected consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit file, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages. THE XXXX XXXX XXXX XXXX CL Date Opened : XX/XX/XXXX Amount : {$580.00}, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Mortgage

XXXX XXXX sold our loan to loancare we feel with out notice it was at the time of year we pay our property tax and insurance. we pay it out of our pocket we do not fiance either one of them and have for XXXX yrs. XXXX XXXX took money that was marked for escrow and applied it to principal they claimed then we sent them copy of policy for insurance paid in full on that home as again we have done every year. At same time all this going on they sell my loan to Loancare who raised my payment 50 % it was XXXX to XXXX they say because of escrow witch has been payed we have tried to resolve with no results with his company we even sent them more Escrow money that has disappeared now they say I can not prepay it. but it is part of original loan and they can not change terms and conditions of that loan says right on paperwork from XXXX XXXX  this has put tremendous strain and stress on us both financially and emotionally the loan has dropped to XXXX but should be under 1000.00 they say I have XXXX over pay in ecrow now but still want XXXX month escrow
Product: Mortgage

LendeLlive is a non bank mortgage service loan collector apparently. And.. since sending them documents and paymentunder the guise of another bank, they still are apparently the claimed servicer of a non-existent mortgage lien holding my name. 
They have requested modification documents from me and robo-signed returned copies
Product: Debt collection

XXXX, a debt collector, is making repeated, daily calls to my cell. I have advised them that my number is on the XXXX XXXX and they still persist even after I said I would report them. The calls are daily and from multiple phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo I paid the amount and did remove it from credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I believe my rights as a consumer are being violated by XXXX. Specifically, I am trying to purchase my first home. During the mortgage application process, while applying for a home mortgage, I learned that there was a delinquent item from XXXX reported on my credit report. This delinquent item is severely impacting my ability to secure a home mortgage. In addition, even if I am approved for a home mortgage, I will be paying a higher annual percentage rate ( APR ) for my mortgage due to inaccurate reporting by XXXX. My credit profile and my credit scores are being negatively affected and as a result of the erroneous reporting. As such, I demand that XXXX remove this erroneous reporting immediately. 

As a consumer, I take great pride in my credit and realize that the cost of credit is partially based on my credit history and my credit score. I am praying that Consumer Financial Protection Bureau ( CFPB ) take immediate action to cure the injustice to my credit report. 

Please note that I was a longtime customer of XXXX for many years. In 2016 I moved from my apartment and into a new residence. Upon moving I completed an address change with the United States Postal Service to ensure my personal mail was forwarded to my new address. 

Further, when I moved, I canceled my XXXX plan and moved my cellular phone service to XXXX XXXX XXXX. I received a final bill from XXXX and paid it accordingly. After moving, I had no subsequent communication of any kind from XXXX. Then, approximately 90 days after moving and being on the XXXX XXXX XXXX plan, I received a call from the collection department at XXXX. I was told that I was liable for an early termination fee of approximately {$200.00}. It should be noted that I was not aware of the fee, nor did I ever receive any billing of any kind whatsoever. At the time, I didnt want to fight with XXXX so I paid it. 

However, prior to paying the alleged amount due, I specifically asked XXXX if anything was going to detrimentally affect my credit. XXXX assured me that there would be no reporting of any derogatory items to any of the 3 credit bureaus ( XXXX, Equifax, XXXX ). As such, I paid the amount they claimed I owed them. I assumed that the amount was paid in full and the account closed and no derogatory reporting on my credit report. 

Thank you in advance for your review into this matter. I sincerely appreciate your help in resolving this matter. Please do not hesitate to reach me should you have any questions or require any additional information. 

Very truly yours, XXXX XXXX XXXX
Product: Vehicle loan or lease

I contacted Ford XXXX department in XXXX following the loss of income. I could not pay my lease payment if {$230.00}. Instead, Ford XXXX gave me an extension which extended my loan by one month. They charged an extension fee of {$140.00}. I was told that I would be caught up next month. Turned out that I was not caught up. I was a couple months behind. I tried to get another extension as I never recovered from the first. I was almost 3 full payments behind when I found another job. I made a partial payment to show I was trying to make a payment. About less than a month later, they repossessed my car without notice.
Product: Checking or savings account

CIT Bank is denying access to my new online savings account. CIT Bank is heavily advertising its online savings accounts, especially on the internet. It is offering incentives for new accounts ( {$100.00}, if {$15000.00} or more deposited for three months ). I opened an online savings account on Saturday, XX/XX/XXXX and deposited {$100.00}. I received an e-mail on XX/XX/XXXX stating, " Your new CIT Bank account has been approved and is now activated. '' That same e-mail said, " To view your account online, click here. When prompted for your Online Banking ID and password, please use the same information that you created during the application process. '' However, when I click on the link, I end up in the endless of error messages, " Either your Username and/or Password do n't match our records or your account is locked. 

I sent an e-mail to CIT Bank that said, " I am trying to verify my account with the micro deposits placed in another bank account. Your computer system will not let me access my CIT account. '' I am dissatisfied with CIT Bank 's reply, " Thank you for contacting CIT Bank. For assistance with Online Banking information please call our Customer Contact Center at ( XXXX ) XXXX Mon-Fri XXXX ET, Sat XXXX ET and Sunday XXXX ET. We are here to help! Please let us know if we can be of further assistance. Thank you for choosing CIT Bank. '' I do not have time to phone CIT Bank during workdays. I am not home by XXXX XXXX. PT ( XXXX XXXX. ET ).
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. I am writing to dispute certain inconsistencies and potential Metro 2 violations regarding an account listed on my credit report. 

After recently submitting my 3rd dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. Your company is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION File Number XXXX XX/XX/21 Telephone Number Reported XXXX is not my phone number or in my name. Provide proof from the cell phone company with my name from the phone carrier with my name and account number showing this phone is my phone number by proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX
Product: Debt collection

I have disputed this account on X/XX/2017 with the credit bureau. I have disputed this account also in X/2017. I also offered and sent this {$50.00} check to the company to pay off the debt and they refuse the payment and sent the check back to me. The company is refusing to cooperate with me.
Product: Checking or savings account

On sunday I was depositing cash at the BBT ATM machine, the ATM rejected some of the bills and started to return them to me but I was unable to get all the cash before the ATM took the remaining cash back into the machine and shut down with no receipt. I only got XXXX dollars back out of a XXXX dollar deposit, and when called they said it would take a couple of days. This created a couple of overdrafts and they have not refunded the fees.
Product: Debt collection

This case involves " XXXX XXXXXXXX '', a rental apartment complex, and " XXXX XXXX '', the collection agency to which the debt was sent to. 

A summary of the issue is the following : I lived in XXXX XXXXXXXX until XX/XX/XXXX and paid the prorated rent amount for the first 10 days of the month of XX/XX/XXXX ( the lease ended on XX/XX/XXXX ). XXXX  XXXX sent me a bill that included rent charges for 13 days ( including the XXXX, XXXX, and XXXX ) of XXXX. I attempted numerous times in good faith to resolve the outstanding amount to no avail. I could never get in contact with anyone there or get any response via email or phone. 

Instead of trying to resolve the issue with me, XXXX XXXXXXXX sent the debt to the collection agency ( " XXXX XXXX '' ) which is now threatening to harm my credit if I do not pay in full. 

When I asked the collection agency for proof of this debt, they sent me a copy of the apartment lease that I already had clearly showing the end date of the lease as XX/XX/XXXX. 

In addition, according to the collection agency ( " XXXX XXXX '' ), XXXX  XXXX is falsely stating that I stayed in the building past the end date of the lease ( XX/XX/XXXX ) to account for the extra charges. This is demonstrably false, and I would have been happy to provide evidence of such if they had ever bothered to respond to my attempts to resolve the outstanding balance. 

I have no issues paying for any remaining legitimate charges ( such as residual utility charges, etc. ), however I do not owe the amount stated and despite numerous attempts resolve the issue directly with XXXX XXXXXXXX. I will include proof of correspondence attempts in the " proof '' section of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 or 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.