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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance {$4300.00}, XXXX XXXX Date opened XXXX XXXX XXXX  Balance {$30000.00}, XXXX XXXX Date opened XXXX XXXX XXXX  Balance {$5700.00}, XXXX XXXX XXXX  XXXX XXXX Date opened XXXX XXXX XXXX  Balance {$10000.00}, XXXX  XXXX XXXX Date opened XXXX XXXX XXXX Balance {$4900.00}, XXXX  XXXX  XXXX Date opened XXXX XXXX XXXX  Balance {$7300.00}, XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance {$24000.00}, and XXXX XXXX  XXXX Date opened XXXX XXXX XXXX Balance {$77000.00}. Please remove ASAP.
Product: Mortgage

I paid down my mortgage to {$0.00} before XX/XX/XXXX. 
Citizens confirmed by email that they would still use the autopay ( that has worked for the last years without issues ) to pay escrow/interest etc. 
Their Autopay function did not work, no money was taken out of my account. 
I sent checks, paid of the remaining balance, and what I was due ( " total due '' ). 
They keep sending me letters saying I owe them more money ( and other letters that I paid off my loan ). Their phone system does not work ( no representative ), I went to their branch, but mortgages are not serviced there, I wrote emails and letters. 

It really seems they do this on purpose when you pay off your loan, they try to trick you into not being able to end the loan.
Product: Debt collection

XXXX XXXX XXXX ACCT # XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks,
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It's that some credit collection agency keeps putting some charges on my repot. They won't stop
Product: Mortgage

In XXXX of 2014, the Consumer Finance Protection Bureau implemented rules for mortgage servicers that state that : " Periodic payments must be promptly credited as of the day of receipt. A periodic payment consists of the amount necessary to cover principal, interest, and escrow. '' My monthly mortgage payment according to my contract is {$610.00}. On XXXX XXXX, through XXXX I sent a payment of {$800.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX, through XXXX I sent a payment of {$700.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX, through XXXX I sent a payment of {$710.00} that was accepted by Dovenmuehle but never posted to my account. So for three months I made payments that were more than my required periodic payment amount but Dovenmuehle intentionally did not post them to my account in accordance with CFPB policy. 

Also, in the XXXX 2014 rules posted by the CFPB, it states : " You can not make the first notice or filing for any judicial or non-judicial foreclosure process until the consumer is more than 120 days delinquent. '' If Dovenmuehle had properly complied with the CFPB rules and credited my account, they would find that I am not, nor have I ever been 120 days delinquent. As a matter of fact, at the time I made my XXXX XXXX payment of {$710.00} that placed me roughly {$200.00} behind in payments plus some late fees. Not even a full periodic payment as stated in my contract. 

I have continued to reach out to XXXX and their representatives, advising them of their violations of CFPB rules but they insist on moving forward with foreclosure without properly posting my payments to my account and despite me not being 120 days delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payment was reported on  XXXX  2017 for my account.
In the month of   XXXX   2017, my uncle had a   XXXX   XXXX   and was admitted to the hospital due to my uncle being wrongfully laid off from work. As a result of his age, he did not have insurance. My uncle has been a father to me as my father passed away when I was young. In that same month, the car was involved in an accident. In   XXXX    2017, It had been brought to my attention that I fell victim to identity theft. I filed a police report for the identity theft to which put a severe hindrance on my finances. I also fell victim to a {$2500.00} IRS scam. In that same month, my CPA of 20 years died from   XXXX   XXXX    which prevented me from filing my taxes correctly and so my company was audited. In   XXXX   my wife had a  XXXX . In that same month, my mother was notified that she had   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   to which I had to leave my work and care for her. I fell on very rough times these past several months, which is why I and was unable to make car payments on time.
I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. I have regained my footing and will pay in full the amount owed on   XXXX   XXXX  , 2017 and set up automatic payments moving forward.
I 'm not proud of this black mark on my record, but it 's the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.
If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment.
Thank You.
Product: Credit reporting or other personal consumer reports

Mohela erroneously flagged my accounts to the consumer credit reporting companies. XXXX XXXX notified me a " skip can not locate '' alert appeared on my credit report and XXXX notified me, " MOHELA/XXXX XXXX XXXX  has flagged your account as Not Paying Off Your Balance and Can not be Located on XX/XX/2024. '' I am currently on an income driven repayment plan and my monthly payments are {$0.00} USD. I called Mohela to discuss why I was flagged as a " skip '' account as I have never missed a payment and recently received mail correspondence from them dated on XX/XX/2024 with the total amount due {$0.00} ( please see attached ). The representative informed me the address they had on file was not correct- the address she provided I told her was in fact correct and has never changed. I additionally told her I have been receiving their mail correspondences. She then opted me into paperless option. The measures Mohela took for an account that was not delinquent were very extreme. My credit score plummeted into the XXXX and my XXXX score dropped consequently. I filed a complaint through the XXXX and Mohela responded via their portal in my messages with the attached " personal letter ''. They agreed my payments are {$0.00} and still will not correct the errors they made. My account has never been a delinquent account and my address has never changed. I am an extremely responsible consumer and always pay my bills not only on time, but in advance. My credit score was almost XXXX prior to this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a very serious error on my credit file and the company - Service Finance and XXXX has not fixed the error. Under the FCRA they are to report accurate information and they are NOT. ( I have attached proof of this from the lender who denied my loan ) I opened a Home improvement loan from Service Finance.. It is Paid off and taken care of last year sometime.. HOWEVER, they are reporting to credit as a MORTGAGE which they have advised me that they in fact are NOT a mortgage company.

Because they are reporting to the credit bureau somehow as a Mortgage, I have just been denied by my mortgage company to buy the house I am under contract to purchase.

My lender said the reason for the denial is because there are 60+ Day late payments on this Mortgage with Service Financial which I DO NOT HAVE A MORTGAGE with them nor are they a mortgage company.

When we dispute with Service Finance they say that they are not reporting as a mortgage to XXXX XXXX says they are reporting that way. So they blame each other and nobody is fixing this issue! 
This has already cost me money and if I lose this house I will be losing my earnest deposit and I will SUE you guys as I have already spoken to my attorney. You have caused me to be denied and it is an error and Their fault. I need this fixed like last week.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX customer service today and my Tower Loan account hasn't reported/ updated since XX/XX/year> and I need for my on-time payments to be reported ASAP
Product: Credit card or prepaid card

I was approved for Capital One Platinum card in XXXX of XXXX. I have continuously been deprived of online access and cant even log in to make a payment or view transactions to see if they are even mine or for the correct amount. I had been granted a legal name change under a sealed court record due to XXXX  XXXX and XXXX  back in XXXX and I have repeatedly sent Capital One a copy of my identification and an explanation about name change, if thats even a problem. I spend 2-3 hours at a time on the phone with Capital One, get transferred around the globe and nothing gets resolved. I input my cell phone number ( which is prepaid because its cheaper and keeps me safe due to XXXX  XXXX ) and Capital One has the number linked to my profile but the online system does not like my number.

Capital one is the only credit card provider Im having a problem with. No one else has identity issues or problems with my number or giving me online access.
Product: Debt collection

I am a victim of identity theft and had an unlawful inquiry reported on my credit. Experian, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. I have already filed an Identity Theft report with the Federal Trade Commission and have attached a copy of it with the letter I sent. Remove and delete this inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my updated personal credit report and noticed that unauthorized credit inquiries remain. It seems my credit has been compromised under your watch. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the companies listed below, requesting them to remove these unauthorized inquiries from their records and all credit reporting agencies. They assured me they would comply. Each company received a certified letter indicating the inquiries were unauthorized, and I asked for their removal. I am requesting immediate deletion of the unauthorized inquiries listed below. The purpose of this letter is to address several unauthorized hard credit inquiries on my credit report. There are still SIX ( 6 ) unauthorized inquiries listed. Enclosed is my new FTC report for your reference, number XXXX. I am disappointed by your lack of action. When will Equifax remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : 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. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a notification that if these inquiries are not removed from my report, I will be filing a lawsuit. My attorney is aware of my intentions and is ready to hold you accountable for noncompliance. This is your ANOTHER NOTICE. Please remove the inquiries resulting from erroneous credit reporting.
Product: Mortgage

Citizens Bank bought my mortgage in early XXXX. My payments were fixed at {$3200.00} monthly paid automatically from my checking account. My escrow payments went up for real estate taxes and insurance. The company sent me a letter on XX/XX/XXXX saying the payments would go up automatically, or " If you'd like to pay the ENTIRE ( my emphasis ) escrow shortage/deficiency amount of {$1100.00} that's shown on your enclosed Annual Escrow Statement in one payment please mail us the coupon below along with your check. '' Which is what I did. 

Below is a Note saying : " Even if you pay the full shortage amount, your loan payment may still increase if your property taxes and/or insurance premiums increase. '' Naturally, I didn't think it meant BOTH! My next payment was increased to {$3300.00}. 

I have always paid my escrow increases to keep my payments level and avoid confusion, and have done it probably 15 times over the past XXXX years of home ownership. This is the first time I've seen this. It's very misleading, deceptive and there is no reason they shouldn't allow me to pay the full increase to keep payments the same. They make more money by splitting it, I'm sure ( otherwise, why force me to do it? ).
Product: Credit reporting or other personal consumer reports

I would appreciate it if you could examine the documents that have been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

date it happened XX/XX/2019 Experian credit reporting agency will not let me get a credit report. They say they need to confirm my identity but their website wont work. I tried calling and they pass me around from person to person claiming my birthdate is wrong but wont help me correct it. They say to log onto thier website and submit drivers license but the website wont let me log on without confirming ID by calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX ( XXXX ) shows 4 inaccurate at fault claims from my auto insurance over several years. This has put me in a high risk insurance catagory and has inflated my insurance costs. I have called my previous Auto insurance provider XXXX XXXX and the have sent me letters with the correct information stating No fault for these dates. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When Ever I try to shop for Auto insurance they refuse to quote me stating I have to many accidents or I am un insurable with there company. I had a auto insurance company send me an e-mail showing what sows up on the XXXX report. The information in false and has ruined my ability to get normal auto insurance. I have called 5 times and have had no answer. I have requested report and dispute paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my accounts are under litigation and is reporting incorrect information. I would like for these accounts to be remove from my credit report immediately. Hard Inquiries, and derogative negative inaccurate reports. I'm having a financial hardship and I am unable to get approved for business and personal credit due to inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX, also XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX, UT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Also XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MI XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  XXXX XXXX XXXX, TX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems is reporting a fraudulent account as charged off on my report. 

This was reported to the police in 2018. 

See attached police report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 's XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX, have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A state that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I have told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are must modify accounts that aren't reporting correctly.
Product: Debt collection

I pulled my credit report to find that a collection from AFNI was on my report to collect money for XXXX ( Collection ( Account Number # XXXX ) ( Amount Owed {$590.00} ). I contacted the AFNI office using the contact number from my credit report. I was told that the bill belongs to my husband and that I was responsible for this bill. I told them that I have not received any mail with my name and information asking me to pay. I had no idea that my husband owes this amount and after speaking with my husband he too had no idea. I am asking that this item be removed from my credit and that my husband be properly notified so the bill can be paid if it belongs to him. AFNI did not follow FDCPA laws which prohibits unfair and deceptive practices to collect. My husband XXXX XXXX is a man of integrity and would be happy to address this issue. I am seeking resolution for this mix up and request that this item be removed from my credit file ASAP .Thank you for your time it is greatly appreciated. 

XXXX XXXX Cell XXXX TX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I requested a notice that the XXXX XXXX XXXX was repossessed. I requested this because I had no prior notice that the repo occurred. It had been several weeks with no notification or letter until I requested it. 

Once in contact with the loan servicer, I was told my telephone number was not on file ; however I was contacted almost every day whilst paying, and setting up several agreements throughout the duration of the loan, and none of the information changed. 

The loan servicer is requesting a fair amount for redemption ; however at the time of recovery no paperwork was sent to the owner ( myself ). This vehicle is set to be sold at auction on XX/XX/XXXX and a request of XXXX is to be sent on XX/XX/XXXX before XXXX XXXX XXXX XXXX EST. 

I have been in contact with Credit Acceptance with hopes that the current litigation will prevail. The loan was risky at signing and should be voided under federal business code.