23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, Back in XXXX of 2016 I attempted a Mortgage Refianance .The company I delt with locked in a low rate and documented this. There were a few issues the company was awhere of scince day XXXX. The rate was changed twice, the last change was a few hours before signing stateing issues they knew about from day XXXX, rate went from XXXX to XXXX +. Is this leagle when they locked the rate in? And had me sign loan disclosure docks? I of course did not sign after this, but the time waisted costed me a decent interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2020 Loan Type XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Past Due {$520.00} Pay Status >Collection in accordance with the Fair Credit Reporting ACT 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my XXXX XXXX, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Mortgage

Specialized Loan Servicing ( SLS ) took over the payment processing for the mortgage in the name of my deceased fiance 's estate from XXXX XXXX. I am the administrator of the estate and have been the contact/representative for the past 4 years. The loan is currently in COVID forbearance. 

On XX/XX/XXXX I received notice from XXXX that servicing was being transferred. I received nothing from SLS. Concerned that XXXX has screwed up ( as has been the case throughout my dealings with them ), I contacted SLS to confirm they had the correct address. They did. I still received nothing until XX/XX/XXXX - that in and of itself is inexcusable. Again, assuming the process had been screwed up, I contacted SLS on XX/XX/XXXX. I was informed I as not an authorized party on the loan. Which means there is NO ONE they will communicate with regarding the loan, as I am the estate for all intents and purposes. I called XXXX and was told a " packet '' had been sent XX/XX/XXXX with all information and was condescendingly assured the loan would transfer exactly as it was with XXXX. 

XX/XX/XXXX I FINALLY received mail from SLS. The loan shows it is in default. No indication of forbearance. I call and am informed they still have no record of me as an " authorized thrid party ''. I am NOT a third party. I am the estate. And for them to refuse to acknowledge me means they refuse to communicate with the estate. 

Today ( XX/XX/21 ), I received the XXXX bill, with multiple discrepancies- the amount of principal and escrow shows as XXXX which is false. They also show a payment from escrow for local taxes which were paid by WF 2 months ago. Again, as they will not talk to me I have no way to resolve these issues. I have submitted all information regarding identity, estate, etc. - which I should not have had to since it had all been provided to XXXX years ago and it is the responsibility of these servicers to not XXXX the accounts up when they're wheeling and dealing- and I am still not acknowledged. 

I also received a collection notice for the forbearance payments. Again, there is NO EXCUSE for this mess. I can't even dispute this- which again I should not have to - since they refuse to recognize me. 

Both of these companies are a disgrace and should be held accountable. I have already filed a complaint on XXXX to provide what they supposedly sent. SLS needs to IMMEDIATELY FIX everything. Ensure I am the account contact. Confirm in writing there is no overdue debt and that the loan is in forbearance, correct all of the information on the statement, and reverse the double tax payment. I should not have to deal with this obscene stress. Again, having already gone through a similar nightmare with XXXX the 1st time around.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015   ,  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account with XXXX XXXX XXXX XXXXisted on my credit report. 
Equifax maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX. While the burden of proof lies with XXXX XXXX XXXX XXXX XXXX XXXX have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor Equifax has provided rebuttal. If Equifax maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have attached an Affadavit of Fact in rebuttal for Equifax to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft Report.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company has called me 5 times. They are looking for someone named XXXX XXXX. I told them there is no XXXX XXXX in my family. I then tried to ask them if someone was fraudulently using the family last name. I asked how they got the phone number. They would not give any information and simply said they would take the phone number off the list. They called back a few days later again the same thing. Then someone named XXXX called. I informed him again we have no relatives named XXXX XXXX. He hung up on me while I was asking him to not call any more.. I called him back and asked for his supervisor he said the supervisor was in a meeting. I then said there is no XXXX XXXX here and he hung up on me again. I Called back again and Got some Woman called XXXX. I asked her for the address so i could send them a letter to stop contacting me and she wouldnt give it to me and got sarcastic.. So i called her a XXXX.. She told me i had no manners so she was not going to take my number out of the system. She had nerve to say all that after i threatened to sue. The name of the company is called- RECOVERY FIRST. No one in this house knows or is related to a XXXX XXXX. I dont know if someone gave the phone number or if this company pulled it out of the phone book. No one in this house or this family owes Recovery first any money.. Pleas make them stop the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a bankruptcy on my credit report for two years. I have disputed it with the credit bureaus who advised me they received the information from XXXX XXXX. I then, disputed it with XXXX XXXX, who could not verify the bankruptcy and sent me a letter stating the removed it. I then sent the XXXX XXXX letter to the 3 credit bureaus and in return, only XXXX removed the bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian and XXXX certified letter showing my XXXX payment was never late. Call millions times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX andn XXXX, XX/XX/XXXX report to XXXX, XXXX, XXXX without consent Violation of 15 U.S.C. 1681 Section 602 : This section of the FCRA emphasizes the importance of accuracy and fairness in credit reporting. The late payment entries on my credit report are inaccurate and do not reflect my true payment history.

Violation of 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section specifies the permissible purposes for which a consumer report may be furnished. The presence of these erroneous late payments on my credit report does not serve a permissible purpose and unjustly harms my creditworthiness.

Violation of 15 U.S.C. 1666b : This section relates to billing errors and the obligation of creditors to correct such errors. The late payments reported are erroneous, and the creditors have not fulfilled their obligation to correct these inaccuracies. 

In accordance with the Fair Credit Reporting Act, I am requesting that you investigate these matters and remove the inaccurate late payment entries from my credit report.
Product: Credit reporting or other personal consumer reports

according to the FCRA this creditor has violated my rights under the 15 USC 1681 sec.602 c ( 2 ) states that i have the right to privacy. 15 USC 1681 sec 604 a ( 2 ) states that a consumer reporting agency can not furnish as account without my written instructions also 15USC 1666 ( b ) a creditor may not treat an open credit card account plan as a late payment for any purposes.
Product: Mortgage

Notification that because the Fed had recently increased interest rates that our home payment would increase again on XXXX XXXX, XXXX. 

To my knowledge there has been no increase since XXXX XXXX, XXXX ( according to the " Guardian ''. According to the guarding again : " The Federal Reserve ( Fed ) put any further increase in US interest rates on hold on Wednesday, announcing rates will remain unchanged for at least another month '' in the Fed XXXX meeting. 

Why would Bank of America be allowed to raise rated at this time?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX XXXX XXXX  & they told me I've never missed a payment, yet Equifax and XXXX refuse to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do Equifax and XXXX 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notification on XX/XX/XXXX, that 75 points were deducted from my credit score because of a debt through Ally Financial that wasn't paid. However, I never received a notification through the mail that I owed anything. My address that they had on file was an old address. I spoke to Ally Financial on XX/XX/XXXX and had them update my old address to my new address on my account, but they must not have saved the address, as the bill was sent to my old address. I never received notification that I owed any debt, as they did not update my address. The mail that was sent was sent back to the collection agency, and no one notified me.
Product: Credit reporting or other personal consumer reports

I have been disputing for a few months with the credit bureaus. There are multiple accounts on my consumer report that showed payment status as late one or more times which is inaccurate. I asked the credit bureau to provide to investigate and provide documentation to how they verified the accuracy of the late payments and they have not provided that information. All they say is the account was verified. I disputed again requesting a re-investigation and if they were unable to provide the documentation to how they verified to please update the payment status to XXXX. Instead of updating the status from late 30 or 60 days to XXXX they update it to CO, Charged  OFF. My accounts have never charged off. 

How can an account show never missing a payment then for example in XXXX its CO then XXXX, XXXX, XXXX, payments are on time payment? 

The credit bureau is making up their own data. If they are truly investigating with the furnisher, they will have accurate, complete and verified information which clearly they dont. 

All of the accounts, both open or closed have never been late and should show a status of XXXX, paid as agreed never late. 

I even provided the law codes for many different things and they are not abiding by them. The FCRA required credit reporting agencies to follow their guidelines. 

PLEASE UPDATE ALL ACCOUNTS TO XXXX, PAID AS AGREED NEVER LATE IMMEDIATELY. ITS BEEN ALMOST 90 DAYS OF DISPUTING. 

15 USC1681 ( a ) ( 2 ) ( b ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 USC 1666b 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed two hard inquiries on my report today. The inquiries are dated XXXX XX/XX/2022. I did not apply for any new line of credit. I tried to contact both creditors. XXXX did not answer. XXXX XXXX was the other creditor. The clerk was able to assist me concerning this inquiry. I was asked for my XXXX which did not match. I was asked for my name she informed me an application was submitted in California. The application was for XXXX XXXX store. I did not apply for either of these accounts and will continue to attempt to contact XXXX as well. Please assist with this dispute. I have tried to submit dispute online without success.
Product: Checking or savings account

My card was used on XXXX XXXX  and XXXX XXXX  is refusing to pay funds won XXXX and now Im disputing every charge I paid into XXXX chime refuses to listen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had 16 name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX  XXXX APT XXXX, XXXX, XXXX XXXX XXXXXXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, T XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX SOUTHWEST CAPITAL SYSTEMS I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES NATL CREDIT ADJUSTERS GC SERVICES
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled on XX/XX/XXXX and was told I would get a refund of {$190.00} for the 8 remaining months that I prepaid. I was given a case # XXXX and was told six times that the case was escalated and that my refund would be on the same credit card that I was charged {$290.00} on XX/XX/XXXX. Every time I call which has been over 12 times since XXXX they tell me that someone made a mistake and that in XXXX days I will be refunded {$190.00} but it never happens. 

From Equifax on XX/XX/XXXX Dear XXXX, We have received your request to cancel Equifax Complete Family Plan. Your product will cancel on XX/XX/XXXX, which is the end of your current subscription month, as determined by your purchase date. For example : If you purchased your annual subscription on the XXXX of a month, and you cancel on the XXXX of a month, your cancellation will take effect on the XXXX of the next month. You will receive a refund for any fully unused months in your annual subscription.
Product: Debt collection

They constantly call saying I they are attempting to collect a debt from XXXX XXXX XXXX from 2011. They say I applied online and received the money into my checking account at XXXX. I have NEVER had an account at XXXX and I have NEVER applied for an online loan or received one. I have never received any letter or legal items and I ask them for a verification of debt they say they send it and I have NEVER received anything from them. They say I have 24hrs to return the call and pay before legal action is taken but I cant even get a proof of debt. AND ... They are very rude and constantly try to use threatening tactics to get my money but I know the laws, I know my rights and they are not getting a XXXX thing from me! They are SCAMMERS!
Product: Credit reporting or other personal consumer reports

Hi this is XXXX XXXX XXXX, I am submitting this complaint in regards to the inaccurate and unknown things on my credit report as report by XXXX Credit Bureaus. Please verify that all information is XXXX percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date XXXX inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX