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

XX/XX/2019 Experian XXXX XXXX XXXX XXXX, Texas XXXX To Whom It May Concern, On XX/XX//2019 I  requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2019 your agency responded to complaint submitted to the CFPB ( Complaint # XXXX ) stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. I have sent multiple request to XXXX for validation of debt, they have yet to validate this debt by showing my an instrument of indebtedness.

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XXXX2019. 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ),  you were required to forward all of the relevant information I provided you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report illegally. 
XXXX Loans : XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

I DO NOT BELIEVE AN INVESTIGATION WAS DONE. I DO NOT BELIEVE EXPERIAN APPORPIATELY APPLIED MY EVIDENCE AS REQUIRED BY THE FCRA. I DEMAND TO SEE A CONTRACT/ INSTRURMENT OF INDEBTEDNESS BEARING MY SIGNATURE. I DEMAND TO SEE DOCUMENTATION EXPERIAN USED TO VERIFY THIS ACCOUNT AND TO KEEP THIS ON MY REPORT WHILE IGNORING MY SUBMITTED EVIDENCE.
Product: Credit reporting or other personal consumer reports

EQUIFAX DATA BREACH SETTLEMENT Based on the information you provided ; our records indicate your personal information was impacted by this incident. XXXX Immediate Dispute of Unauthorized Accounts Due to Equifax Data Breach Violations of 15 U.S. Code 1681c-2, 15 U.S. Code 1692g, I am writing as an individual affected by the Equifax data breach, which has led to fraudulent accounts appearing on my credit report. The accounts listed below are inaccurate and unauthorized. Despite my requests, the companies involved have not verified the validity of these debts per the requirements of 15 U.S. Code 1692g, nor have they provided copies of any original purchase agreements or documentation proving my consent.
Product: Mortgage

Ocwen loan servicing, llc Ocwen has failed to credit my my loan payment. on XX/XX/XXXX my bi weekly payment was paid through XXXX XXXX my Bank statement shows it was paid Ocwen contacted me on XX/XX/XXXX to tell me they have not received my payment The amount is XXXX XXXX XXXX dollars XXXX XXXX cents. Ocwen told me the payments were handled by pay map phone XXXX That I should call pay map will do so Monday XX/XX/XXXX Can Ocwen charge me with late fee as I did my part, thank you
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to inform credit bureaus I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any erroneous accounts. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

Scratch is a third party biller who is incorrectly reporting delinquency on an XXXX personal loan. I have and will continue to pay my original creditor, XXXX directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is reporting to all three bureaus ( XXXX XXXX XXXX XXXX XXXX on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.
Product: Mortgage

I had the worst customer experience getting a mortgage from Bank of America. They continually XXXX   to me about their ability to meet deadlines, provided me with incomplete information, and held no accountability for missing our commitment deadline and almost completely derailing our closing. 

The people at fault were : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Across the board, this group of incompetent people cost me hours of stressful time trying manage a process that was completely new to me. And despite me and my wife trying to keep tabs on everything that needed to get done, they STILL would fail to get things done, meet the deadlines they had set out, or disclose certain issues that were ongoing and needed to be resolved. On multiple occasions they outright XXXX to us. At the beginning of the mortgage process, XXXX XXXX let me know that my application documents from their online portal were not displaying for him and he asked me to complete an entirely new application. I told him to fix the issue with his IT team, rather than me spending another hour filling out a new application. He called me back and said the issue was fixed, but then began asking me a series of questions that were all in the application. It became apparent he was trying to trick me into filling out a new application verbally and the problem was not fixed. This was the first insanely obvious dishonest act of many. Leading up to commitment, XXXX assured me DAILY that we were tracking to get our commitment. THE NIGHT BEFORE he told us that we were not going to get our commitment letter potentially for A FEW MORE DAYS because he just didn't do his job and didn't get things in on time. The same thing nearly happened with our closing paperwork. The night before our close, XXXX XXXX had the audacity to tell me that there was a blocking issue with the title insurance company, when it was actually a compliance block on the Bank of America side. This compliance question was even already answerable because Bank of America had the needed paperwork from the title insurance company and just didn't realize it. Thankfully after screaming at the Bank of America team for hours the night before closing, they were able to get the compliance block lifted. If we had not done this, I am sure we would not have closed on time. 

No one should have to endure the horrible experience we had. It made an already daunting process so much worse. I can't tell you the anxiety of having this team XXXX so many things up during the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 3 complaints now over this issue. Latest response for XXXX XXXX  was that they found it to be true and mail results to me. Issue is this is not mine, dont belong to me and is for an address that is not mine. They are sending the verification and surely personal info about me to someone else at the address they have in there file. Mailing results is just an easy way for them to blow off the fact that their investors has prodyfausle finding. Im sure all that was verifywas that they had my call Social Security number. Well thats how ID theft works some one takes your info. 

I have attached their blanket response to the previous complaint number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having multiple issues with the Credit reporting agency Equifax which I assume will sound very familiar to others reading this complaint. First off I'm a victim of their latest security breach and I've also been a victim of fraud in the past. I'm fairly convinced that these instances of consumer fraud and theft are not just a random occurrence but actually on purpose. My theory is the banks are incahoots with the credit reporting agencies in order to write off any financial losses or debts. In my case someone accessed my credit file and used it as a menu to go ahead and charge open accounts and open up new ones as well. To this day Equifax has offered no conciliation for this. 

This brings me to the more specific issue I'm having with Equifax now. Due to the fact that I've been a victim of fraud through their carelessness of how they handle my information I'm forced to place a security freeze on my account. At the moment the only way to remove a freeze with Equifax is by phone which invovles multiple prompts and doesn't always work. It's really annoying, outdated and cumbersome. I am unable to do this through their online portal, MyEquifax.com. I have tried on multiple occasions for years and it simply does not work, it tells me to call their customer care line instead. I recently called this number and received no help whatsoever. Also, not sure if you're aware of this but Equifax offshores their customer care dept and when I asked to be transferred to someone in the US, the request was declined multiple times. The offshore rep I spoke with said they did not have that capability. I then reached out to their corporate office in XXXX and spoke with the operator who again would transfer me to an offshore agent even after I specifically requested an agent in the US. Even their fraud dept. is offshore. Date of latest incident XX/XX/23 but ongoing for years.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX  Balance : {$64.00} ; 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 XXXX XXXX XXXXXXXX XXXX XXXX  ; XXXX XXXX
Product: Student loan

I made a payment of {$1000.00} on XX/XX/2024 to Mohela on my last federal student loan. This payment occurred a few days my student loan transitioned to Mohela 's new platform. The payment was taken out of my bank account on XX/XX/XXXX. The payment never posted to my student loan balance, even after my loans transitioned to this new platform. I've called ( and emailed ) Mohela many times about this issue, but Mohela stated I must wait until after XXXX business days to escalate this issue. After 30 days, I called Mohela. The representative wouldn't escalate my call to a supervisor, and told me the accounting department would look into my issue. I asked if I would get a call back from the accounting department on updates/ or if they would resolve the issue. She told me I would not. I have no faith in Mohela sorting this issue out. They've made me wait an extreme amount of time ( XXXX business days ) past when I made the payment to even begin looking into the issue. I haven't heard from Mohela and the payment has still not posted. The customer service at Mohela is the worst I've ever seen. The wait times to speak with an associate are upwards of an hour to XXXX hours. I almost always am on the phone with a trainee, who has little to no information and can not help. I don't know what to do ; this {$1000.00} was supposed post to my student loan within XXXX business days. It is now nearly XXXX months later and I can not get answers. Finally, I am concerned I am getting charged the interest on the loan that the {$1000.00} would have alleviated. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Dear TransUnion : This is a Self-Attestation that I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number XXXX XXXX ), as well as personal loan account opened at XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX XXXX XXXX XXXX  An personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Product: Credit card or prepaid card

Capital one/ Venture Credit card makes it all but impossible to dispute an unauthorized charge that I disputed. The ability to get them documents has been INTENTIONALLY unfixed for at least 2 years. There's is NO WAY to go to the website to view their secure communication without them first sending you a link to it. 
I had to been erroneously put into quarantine by XXXX XXXXXXXX XXXX, which they said they would pay for. I was charged for an illegal detainment on in their XXXX for 5 days ( could have been 5 more days ) {$1200.00} on XX/XX/XXXX. The only notification of the infestation was the email and txt the investigation. I found it strange that this was the ONLY response I got on the dispute, was after it was too late to respond, on XX/XX/XXXX. Their website, according to another further customer on XXXX writes, it has not been able to UPLOAD ANY DOCUMENTS FOR 2 YEARS. I can prove this creme status, because I am a XXXX XXXX and this would be a known and easy issue to fix. 

After this, I closed my card until this can be settled but there is still a balance with that company.
Product: Credit reporting or other personal consumer reports

I took out a personal loan with Mariner Finance for {$2000.00} in XXXX XXXX XXXX to pay some credit card debts, I have always paid the loans payments timely, I had periods of unemployment where I was not able to pay timely, I HAVE XXXX SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXX XXXX, I have no friends to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was denied XXXX  benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A XXXX  OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been 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, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX  due to this issue or XXXX XXXX XXXX XXXX. I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT ALL OF THE LATES BE IMMEDIATELY CREDITED TO MY LOAN IMMEDIATELY!!! Also {$1500.00} payment for emotional distress IMMEDIATELY!!
Product: Credit card

Received a call from a gentleman identifying himself with Citibank. Advised me that they had received an application for a credit card in my name and last 4 of my social. Gentleman inquired as to whether I had applied for a credit card lately to which I said no. He advised my social security number might be at risk, but before we could go further I ended the call. The phone number is XXXX rom XXXX, SC.
Product: Mortgage

I made a payment through Fifth Third Bank 's online system on XX/XX/2020 for {$1300.00}, of which, {$37.00} was for principal curtailment, and {$1300.00} was to post for the XX/XX/2020 monthly mortgage payment. 
As the payment was made in XX/XX/2020, and the XX/XX/2020 monthly payment was not yet due, I have requested that the company apply the {$37.00} to principal curtailment first, so that the interest for the XX/XX/2020 payment will be calculated correctly. As interest is paid in arrears, this means that the balance at the end of XX/XX/2020 should be used to calculate the interest amount due for the XX/XX/2020 monthly payment. 
When Fifth Third received the payment, they first applied the XX/XX/2020 payment, then reduced the principal balance, which means that interest was calculated on a higher amount in error. 
I called and asked them to fix this. I spoke to 2 associates and 2 supervisors, who advised me that what I requested was not possible. I advised them that not to do so would be a breach of RESPA guidelines, and asked that they put a request in to their payment area. 
I then received a call to again advise me how the payment had posted, not that they would correct it. I left a voice mail message asking that they just reverse off the payments from XX/XX/2020, apply the principal curtailment, and then following that, post the XX/XX/2020 monthly payment. To which, I received a return voice mail asking how I made my payment, one check or two, for the amounts, and check numbers as well. 
This is very disturbing as a financial institution this large should have associates that can view loan history, and be able to determine that the payment was made through their own system, so there is no check number, and the amount of the payment. This institution should also be aware of how interest is calculated and that as the XX/XX/2020 payment was not yet contractually due, any funds received prior to that date, can and should be applied prior to my interest calculation for a payment not yet due. 
I am asking for your assistance and intervention as I have spoken with a number of their associates who are not able to assist with a simple request. 
I even stated that if their system is not capable of such a reversal and reapplication, which would be appalling, then they could just take a corporate loss and credit my principal balance with the overpayment of interest. Neither of my requests has been completed to date, and I would like this rectified prior to my next payment being due.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair debt collection practices act as well as the Fair Credit Reporting Act my rights have been violated by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, OH XXXX 1. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

2. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

3. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.And they do not have my permission!
Product: Vehicle loan or lease

Walked into XXXX XXXX about trading a XXXX with cosigner to that vehicle. Found 2 vehicles and had the co-owner to visit dealership to sign. She who is XXXX XXXX wanted to wait 24 hours to check consumer reports. The saleswoman asked if I wanted to purchase another vehicle used not new at lesser price I agreed if she could get it done on XXXX, XXXX, XXXX. I purchased tires plan and lifetime oil changes and gap insurances. It was no longer a joint purchase as trade in vehicle from XXXX XXXX. They refused to add any oil or any fluids to the vehicle the next day. There was an extended wait on XXXX XXXX  to confirm so it went beyond closing and darkness So I decided to return the following morning and remove all items from the trade-in. There was no gas in the new purchase XXXX XXXX I added. They made appointment for tire issue the mechanic gave printout of problem the panel read to give to saleswoman. But she sent her manager saying she could not talk to me for unknown reasons. The car continued to say take to dealer and I made several appointments they got increasingly hostile. They refused any oil services with the contract in hand to show it was paid. They called the XXXX XXXX XXXX XXXX in XXXX, XXXX  and without any warning cited me for trespassing and do not return. Their risk manager said it was not any mechanical issue or problem. They deny any wrongdoing and I definitely say I did nothing to any of those people but ask to buy a car. It hindered my movement driving.
Product: Credit card

Self lender secured loan opened on XXXX XXXX paid loan off in a year, got a new loan with a secured line for credit for {$850.00} using the money I deposited from my secured loan. As of XXXX  XXXX I attempted several times to close the accounts, which self lender refused to do. I am being charged a monthly late fee for a secured credit card with no balance & I am receiving negative marks on my credit because of this. Self has even sent a new card agreement in XX/XX/XXXX that I dont agree with with chain terms.