23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I humbly ask for you to investigate my beliefs that I have fallen victim to predatory lending practices in the mortgage and housing industry with my home of almost 14 years. I believe XXXX Bank and their agents have used predatory, unlawful business practices with my mortgage since the pass through certificate was issued in 2007, per the settlement agreement between the US DOJ and XXXX XXXX in connection with its sale of residential mortgage backed securities. 
For the past decade the ebb and flow of the rebuked harassment of these known criminals and their various agents driving by, calling and posting notices has been unbearable, causing me harm and housing insecurity that has greatly, negatively impacted my life, psychologically, personally, physically and financially. In my research and education gained throughout this process, I learned that I have been labeled a securitized finance product. Please help me and others like me to be protected against foreign predatory financial institutions and all of their agents acting on their behalf, to secure our right to life, liberty and the pursuit of happiness. This whole process has left me feeling helpless and misguided.
Product: Payday loan, title loan, personal loan, or advance loan

I took out the loan to make payments for once a month. They claimed it was for twice a month. While taking out payments from my account, it the payment was not there I was charged a fee. Also, they were taking money twice a month. Finally, when they changed it to once a month, it was still a doubled payment. Also, it is hard when I try and get into the account.
Product: Credit card or prepaid card

I have contacted JP Morgan Chase as my name has been reported incorrectly by them. This shows on my accounts as well as on my credit report. Somehow my middle initial was merged with my first name resulting in my first name now being incorrect. The first representative I spoke to ( on XX/XX/19 ) told me that I would have to visit a local branch with documentation to have the name change completed but the closest branch is over three hours away in a different state. This representative actually hung up the phone prior to the end of the call. The second representative I spoke to ( on XX/XX/19 )  was willing to assist me, but was unable to complete the name change as his system would not allow it.
Product: Credit reporting or other personal consumer reports

Credit Karma I ask that you close the file. I ask that you stop/cease from running my credit file for any and all reasons. 
I've tried to contact via chat, but the representative continues to tell me I have to use my old phone number and email, in which I don't have that old telephone number anylonger so I can not verify online. The number being used is XXXX. 
I do not want Credit Karma running my file. The file that is presently open, I am requesting that it be cancelled, closed and cancel any and all subscriptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that XXXX XXXX XXXX is on my Credit Report. i never open this account. i send letters to XXXX but without any respond from them
Product: Mortgage

XX/XX/XXXX signed contract to purchase home lending process begins. Most of my paystubs and paperwork were already submitted to lender from previous house that I decided not to close on. Closing date set for XXXX XXXX lender promises to close in 30 days. Paperwork was submitted XXXX XXXX but it takes 3 days to process closing disclosure. Extension submitted. 
The Week of XXXX XXXX ( 2nd close ) Im asked to resubmit my most current paystubs to finalize loan to underwriting to again not have a loan secured as promised. On XX/XX/XXXXXXXX I get a surprise, we need one last thing, Verification of employment- this prolonged my 2nd closing from XXXX XXXX to XXXX. At this point I threatened to leave lender ( commerce ) b/c the seller of house was no longer wanting to work with me to purchase home from time elapsed. Lender begs for another week- no addendums were signed between Me ( buyer ) and seller b/c they are ready to walk and lender is dropping the ball ... No contact no updates until the week of the XXXX when my lender tells me he has submitted my loan to 3 mortgage companies to play hunger games to see who would complete first. 
On XX/XX/XXXX, I left ( problem ) lender Commerce mortgage for XXXX XXXX XXXX to complete my loan. In 8 days I had signed paperwork and guarantee to close on XX/XX/XXXX the only restraint was that Commerce Mortgages needed to transfer lender ID to XXXX XXXX to take over loan submission. 4 days of calling and emails between ( problematic ) lender and supervisor to transfer loan number over. After the chase I received a email that the loan ID was transferred but takes 48/72 hours to complete as my closing date was the next day XXXX XXXX XXXX. 
Last extension to close XXXX XXXX Today is the XXXX and i was just informed the Loan ID was NOT transferred and I was lied to. 
Im heartbroken- this has been a dream I worked toward for 4 years of my life. I broke a lease and Im been living with my parents since XXXX XXXX b/c I was supposed to close on house.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not obstructing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX : {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX from XXXX XXXX 2020 that is supposed to drop off after 2 years but has not. It should have dropped off this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXXXXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XX/XX/XXXX Do not recognize, may be unauthorized XXXX XXXX XX/XX/XXXX There are multiple inquiries all within one day of each other on my credit report but I only authorized one. Please remove all of these unauthorized inquiries immediately.
Product: Credit reporting or other personal consumer reports

Upon thorough review of my credit report from TransUnion, it has become evident that numerous discrepancies and inaccuracies exist within the reported information. These discrepancies encompass various parameters including, but not limited to, high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. Such discrepancies cast doubt on the reliability and accuracy of the information presented.

As a leading consumer reporting agency, TransUnion LLC is subject to stringent obligations outlined in the FCRA. These obligations mandate the accurate reporting of consumer information, the diligent investigation of consumer disputes, and the rectification of any inaccuracies or incompleteness identified in the reported information.

Moreover, the ramifications of TransUnion 's inaccurate reporting extend beyond mere inconvenience. My recently encountered a detrimental consequence as a direct result of the inaccuracies within their credit report. Specifically, my application with the United States Capitol Police  was unjustly rejected due to false and incomplete information furnished by TransUnion LLC. This unwarranted rejection has inflicted substantial harm upon my financial stability and personal reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX, Equifax XXXX XXXX about the many inquires on my account i do not recognize i informed them of how i have contacted each company and they could not provide me with any information. i did not authorize any pulling of my credit with these companys XXXX Credit Report XXXX XXXX XXXX, ( total of XXXX ), XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( total of XXXX ) XXXX XXXX XXXX, multiple XXXX XXXX, multiple XXXX XXXX XXXX XXXX, multiple XXXX XXXX, multiple XXXX XXXX XXXX  multiple XXXX XXXX XXXX  multiple XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX multiple special finacing comp multiple Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DPEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

U.S. Bank artificially projected an escrow account shortage in their analysis and computation based on the unreasonable timing of tax payment which, when paid within XXXX days of the postmark due date, would otherwise project a surplus. 

On XX/XX/XXXX, I received an Annual Escrow Account Disclosure Statement from U.S. Bank with the analysis date of XX/XX/XXXX. The trial running balance for the escrow account computation year of XX/XX/XXXX to XX/XX/XXXX, as provided in the statement, reflects a {$320.00} shortage in XX/XX/XXXX. Based on this analysis, U.S. Bank intends to increase our monthly mortgage payment beginning XX/XX/XXXX, to recover the shortage over a XXXX period. 

Under ORS 305.820, property tax payments are considered timely if they bear a postmark date on or before XX/XX/XXXX, regardless of the date they are received by the tax collector. The trial running balance assumes that the property tax payment will be disbursed in XX/XX/XXXX, more than XXXX  days earlier than required. 

If U.S. Bank instead remitted payment after the recurring monthly escrow deposit on XX/XX/XXXX, but still on or before the XX/XX/XXXX tax payment deadline, the escrow account balance would reflect a surplus of {$120.00} instead of a shortage. 

Under 12 CFR 1024.17 ( c ), U.S. Bank is required to ensure the accuracy and reasonableness of its escrow projections. The practice of disbursing payment so far in advance unnecessarily increases the required monthly escrow deposit amount, creating an undue financial burden. If the escrow account analysis reflected the surplus of {$120.00}, U.S. Bank would be required to refund this surplus no later than XX/XX/XXXX per Regulation X, XXXX days after receiving this statement. 

Adjusting the projected tax date from XXXX to XXXX has a significant financial impact over the course of this and future computation years. Consistently projecting tax payments in XXXX, as reflected in both the prior years and this years analyses, has nearly doubled the net present value of shortage deposits compared to projecting the payment in XXXX. This difference is approximately equivalent to XXXX months escrow deposit for taxes and property insurance, creating an undue burden that exceeds the reasonable limits outlined in Regulation X. This methodology also creates a financial incentive misaligned with U.S. Banks fiduciary duty to manage escrow funds in the best interest of borrowers. 

I mailed certified first class a Notice of Error to U.S. Bank at the address provided for such notices in its Annual Escrow Account Disclosure Statement, XXXX XXXX XXXX, XXXX, XXXX  XXXX. XXXX reports this was Delivered to Agent, Picked up at XXXX on XX/XX/XXXX at XXXX ( tracking # XXXX ). 

In speaking with representative XXXX by phone this XX/XX/XXXX, she confirmed a document was received and scanned on XX/XX/XXXX, and that no correspondence has been remitted in response. U.S. Bank has therefore violated 12 CFR 1024.35 ( d ) by failing to provide written response acknowledging receipt of the Notice of Error.
Product: Credit reporting 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. 

Dept of EducationXXXX has all 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 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

The dispute could not be filed because I could not verify mortgage, auto loan, and store credit cards I never applied for and know nothing about. The dispute is an Equifax report showing an open XXXX wireless account in XXXX XXXX years ago when I 've lived in XXXX all my life and at the current address for XXXX years. If contacted I 'm sure I can prove my place of residence by paystubs, unemplyment records and public assistance records in XXXX. This is plainly identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.
Product: Bank account or service

I have tried to close my Bank of America account for the past few years with no success. I actually thought it had been closed for over 3 years now, but I just got a letter in the mail informing me that my credit card account was still open, unbeknownst to me.
Product: Credit reporting or other personal consumer reports

Victoria Secret credit card account is reporting inaccurate information. A dispute was initiated with XXXX. The account information was still not corrected. The incorrect reporting shows missed payments for XX/XX/XXXXXXXX  and XX/XX/XXXX. Now, the account is also reporting a missed payment for XX/XX/XXXX. The monthly payments also change back and forth from $ XXXX. to $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with Nissan. The lease was terminated early because the vehicle was total in a accident that I was not a fault for it. It was a hit and run, but driver was located after. 
Nissan was paid by my insurance company XXXX. When Nissan close the account they listed a remark early termination balance owning. I contacted Nissan to get this corrected and I disputed with the credit XXXX, XXXX and XXXX. Nothing has been done to corrected. I was never late or owed any other monies to Nissan. Everything was paid off including property taxes.
Product: Money transfers

I have a Bank Account, and a Credit Card, registered with PayPal. Pay Pal will not let me remove my Bank Account from their system due to " pending transactions '' even though I have had NO transactions in over 100 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Wakefield and Associates on XXXX XXXX, 2022 to receive verification of a debt, which I didn't receive instead they put a collection on my credit report. XXXX Wakefield and Associates website this is a violation of my consumer rights and I would like to request this debt be removed from my credit report immediately. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TN XXXX.
Product: Credit card or prepaid card

See attached lette r Capital One took it upon themselves to become a reporting agency which they are not and instructed the credit reporting agencies to remove a closed account that was paid/good standing which has damaged  my credit report and credit history.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a collection account XXXX XXXX XXXX, XXXX from my credit report, as the collection agency in question is not licensed to collect debt in the state of Florida and has also reported incorrect information in my credit report. 

Unlicensed Collection Activity : The collection agency, XXXX XXXX XXXX, XXXX, is not licensed to operate as a debt collector in the state of Florida. According to Florida law, specifically Florida Statutes Section 559.553, debt collectors must be licensed in the state to legally collect debts. Therefore, their collection activities are illegal and should not be reflected in my credit report.

Incorrect Information Reporting : The collection account contains incorrect information that is adversely affecting my credit score. Misinformation is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported on a credit report must be accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

FINAL WARNING BEFORE FEDERAL LAWSUIT. I have sent in my TransUnion Assisted Identity theft affidavit, along with my notarized intent to sue attached below. I do not give TransUnion consent to furnish fraudulent items on my consumer report and no consent is identity theft, also, TransUnion has violated 15 U.S. Code 1681b ( a ) ( 2 ) : ( 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.
Product: Debt collection

PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX BANK USA N A ) is claiming that I owe them {$740.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
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 Bank, XXXX XXXX XXXX, XXXX, Account Number 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.