23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I'm shocked to learn that Ive been a victim of identity theft, and found out I was in a data breach, Experian knew and don't care. I found numerous accounts and inquiries on my credit report that were not open by me. This injustice hurts me in the process trying to get a home for my family, the XXXX XXXX. According to Equal Credit Opportunity Act ( ECOA ), Experian ( XXXX ) harmed me for many years, barring me because of my ethnicity as a 2nd Generation XXXX American born XXXX Citizen ( Experian unlocks my credit when I froze it without my permission! ). Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to expedite this investigation and removal of the inaccurate collection account from my credit report. Given the substantial impact of this issue on my financial and mental health, I stress the need for a resolution within 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant XXXX  and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Product: Debt collection

I receive 5-6 calls a day from this company stating I owe a debt from an XXXX wireless phone bill. I have told multiple people that I do not owe this bill. I settled the account And paid it off in XX/XX/2012. I have asked this company to send me a formal letter so that I can respond with proof I paid this off. I received a copy of a random bill with nothing else stating they were collecting on this debt. I have called multiple times and ask that they mark this account as a dispute. I have provided proof this was paid in XXXX so 5 calls a day is a little excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to dealerships car shopping the past 2 years. I told them I only wanted my credit ran once. They ran my my credit 22 extra times. To these banks listed. 
XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent a letter in XX/XX/2020 Acct # XXXX Derogatory mark {$5500.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet. 

XXXX sent letter in XXXX XXXX Acct # XXXX Derogatory mark {$550.00}, Acct # XXXX {$550.00} XXXX sent letter XXXX XXXX Acct # XXXX {$7900.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner flagged my account and opened a collection on my credit report that has severely affected me! It says the account was opened on XXXX, 2019. This is the second time they have done this. Last time was removed and now they opened again! I have no knowledge of this account nor do I have any contract with this company! The amount says {$380.00} original balance and {$390.00} past due. Please remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX & XXXX Account XXXX XXXX XXXX  - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

I received an escrow analysis from Roundpoint in XX/XX/XXXX for my XX/XX/XXXX property taxes. I reviewed the analysis to find that city/ village tax was miscalculated. I sent additional information ( i.e., actual tax bills for XX/XX/XXXX ) to Roundpoint showing the actual payments for my city/ village tax was incorrectly calculated on or around XX/XX/XXXX. For almost a month they told me that they were investigating the issue and that a new analysis would be run. A new analysis was run without taking into consideration the information I had sent to them. I followed up again the last week of XX/XX/XXXX to be told that they were still investigating the issue, but that it would be resolved by XX/XX/XXXX. XX/XX/XXXX, passed and the issue was not resolved. I called the first week of XX/XX/XXXX to speak with customer service again. They told me they couldn't fix the issue without a new tax bill. I called the local tax collector and explained the situation. She explained to me that the new tax bills would not be printed until the first week in XX/XX/XXXX, but would send me detailed information in an email to forward to Roundpoint. She sent me that information and that same day I forwarded that information to Roundpoint. Her email explicitly stated that if Roundpoint had questions she should be contacted directly. They never contacted her. I followed up again today XX/XX/XXXX, to be greeted by a rude customer service representative who had no clue how to resolve the issue and refused to assist me further. Roundpoint has overestimated my city/village tax by 50x what they actually will be for the year. The tax bill for the year is estimated to be {$100.00} per year. They are actually calculating it to be {$5700.00} for the year. They refuse to resolve the issue and as a consequence, my monthly payment will go from {$2300.00} to {$3100.00}, which increases my monthly payment {$870.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I spoke with national credit systems today I think her name was XXXX XXXX XXXX XXXXXX/XX/year> she was very sweet and she even notated the account. We went over the account where somebody applied for a place it looks like both had the same names but wrong DOB AND SOCIAL SHE TOLD ME SHE DONT KNOW WHY THEY WOULD PUT THIS ON MY CREDIT REPORT IF THE SOCIALS DIDNT MATCH. so she told me to put a inquiry in with XXXX and they would send it to them to remove.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. 

The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. 

I would like to outline the chronology of my attempts to rectify the situation : Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. 

I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timely and satisfactory resolution to be implemented to rectify the inaccuracies in my records. 

If this matter is not addressed promptly, I may have no choice but to escalate the complaint to relevant regulatory bodies and seek legal advice to protect my rights as a consumer. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}.
Product: Debt collection

Hi, and Good Evening! Listen, i was going through my credit again and noticed a collection from XXXX. Looking closely at this account the way it's reporting, i've seen several and multiple innacuracies with the way it's reporting to all the 3 credit bureaus ; such as : wrong reporting date, open date, date of last activity etc. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Again, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please  evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f  ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

Capital One Auto Finance charged off my auto loan account # XXXX, between XX/XX/year> & XX/XX/year>XXXX  however to date COAF has never provided consumer with a 1099c showing charge off information for correct tax purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian/Clarity/XXXX on XX/XX/21 has XXXX XXXX viewed under soft Inquiries in which it does not make sense nor justified to why so many in one day I have also filed a US attorney complaint to the issue as the DOJ on Experian/ Clarity/ XXXX
Product: Vehicle loan or lease

Westlake Financial is responsible for the following : 1. ) Westlake Financial failed to disclose that the note is treated the same as cash and is a valuable instrument. 

2. ) Westlake FinancialDid not confirm that I was accessing my own credit, that actually derives from me. Westlake Financial is just keeping a record of it. 

3. ) Westlake Financialdid not state that they would keep the note when I re-pay the loan. 

4. ) Westlake Financialdid not state that they were going to sale the note 5. ) Westlake Financialdid not state that once they sold the note, that they were going to apply the funds to the loan and that they were going to keep the funds themselves, thereby enjoying unjust enrichment. 

6. ) Westlake Financialdid not state that they were going to insure the note, thereby creating a conflict of interest whereupon it is in their interests that I do not pay 7. ) Westlake Financialdid not state by depositing the note that I was providing them with an implied Power of Attorney and doing things on my behalf with my signature 8. ) Westlake Financialdid not disclose that they would benefit from using my property for profit and gain. 

9. ) Photocopies are being used for an alleged obligation or a liability, Westlake Financialdid not disclose the number of photocopies on hand. 

Westlake Financialis a Fraud 1. ) Misrepresentation 2. ) Inducement 3. ) Concealment 4. ) Theft 5. ) Extortion/ Menaces/Duress 6. ) Racketeering 7. ) Money laundering
Product: Credit reporting

I have been the victim of on going ID theft and have several fraud accounts and info reporting on my Transunion credit report. I please ask that this info be removed and are blocked ASAP. Thank you 1.XXXX XXXX XXXX, XXXX 2.XXXX XXXX XXXX, XXXX 3.XXXX XXXX XXXX, XXXX 4. XXXX XXXX 5.XXXX XXXX XXXX, XXXX 6.XXXX XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX, XXXX 8.XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX, XXXX 10.XXXX XXXX 11. XXXX XXXX XXXX, XXXX 12.XXXX XXXX XXXX, XXXX
Product: Mortgage

On XXXX/XXXX/XXXX we were told by XXXX XXXX at TJC Mortgage Inc, via email that we qualified for 3.25 % fixed and to skip XX/XX/XXXX and XX/XX/XXXX payments and we would receive {$1900.00} in escrow. This was our whole reason to refinance our VA from 1.75 ARM to a fixed rate, the large escrow and the skipping of two months. Our pymt would go up but we would be able to pay off other items with the XXXX that we were told we would receive. On XXXX/XXXX/XXXX I sent XXXX the email and a copy of our mtg loan transfer and he said " it would have no affect but to send the letter so he could get the updated payoff '' via email. ( at this time he would have been CLEARLY aware that our previous mtg holder paid the insurance with the escrow. I found out XXXX XXXX, XXXX XXXX I was sent a late pymt notification from our previous mortgage company and at that time I asked about the escrow account and they told me it was paid on XXXX/XXXX/XXXX. However, XXXX or TJC Mtg did not inform us of this change and proceeded with the closing while knowing we were under the assumption of receiving this {$1900.00} in escrow. They sent several emails over and over again that had the exact same information to sign electronically but they failed to include the fact that the escrow or Insurance had been paid therefore we would only get to skip two payments. We would NOT have moved forward with closing and I 'm sure they knew this and that 's why it was NOT mentioned. Instead of the {$1900.00} we got {$250.00}. We did not close on this until XXXX XXXX, XXXX so they were CLEARLY aware of this and no one brought it to our attention. We would not have moved forward for we still had an additional year for our 1.75 % and would have been able to pay off more principal on our home. Instead we were deceived, they got a new mortgage ( so still making money off of us ) and we our out the {$1900.00} and we have a {$200.00} per month higher payment which is odd because the numbers he quoted at the beginning actually went up and our house was less to pay off and the escrow was paid in full on XXXX XXXX, XXXX. So I 'm not sure why it 's about XXXX per month higher than he quoted us in the first place. We understand refinancing number will be off a little, but knowingly withholding information such as the escrow ( because they lure you in with this! ) is deceiving the payee, me.
Product: Mortgage

Mr. Cooper acquired my loan. After they acquired my loan on a random day without my consent or knowledge they charged my bank account for a mortgage payment. At the time I had no idea who Mr. Cooper was and that they had acquired my mortgage. I had the bank reverse the illegal charge. Mr. Cooper stated that they obtained autopay information from my previous lender and said they were authorized to charge my account. I told them absolutely not. They had no permission or authority and the date of the payment was unscheduled. The bank agreed with me that Mr. Cooper 's conduct was illegal and reversed the payment. I have 60 days to make a payment to Mr. Copper without penalty. Mr. Cooper has put a {$25.00} fee on my account because their illegal charge was reversed. They are charging me for stealing money from my account and having the charge reversed. This is a horrible company with horrible people.
Product: Debt collection

I ( Consumer ) have disputed validity of debt via all three ( 3 ) credit bureaus without resolution. 

On XX/XX/XXXX, I dialed ( XXXX ) XXXX at XXXX XXXX, on a recorded line, to request XXXX XXXX XXXX XXXX XXXX ( Debt Buyer ) prove : 1 ) prove how much I owe via full accounting details, 2 ) that I owe the alleged debt via signed credit agreement between Consumer and original creditor ( Synchrony Bank/Amazon ), and 3 ) that it actually has the right to collect on the alleged debt via signed purchase agreement or contract between original creditor and Debt Buyer. Alternatively, in violation of FDCPA, I requested all negative/false tradelines associated with this account be removed from all 3 credit  bureaus. 

On XX/XX/XXXX, I received correspondence from Debt Buyer whereby they failed to provide : 1 ) full accounting details totaling alleged amount owed ( Exhibit 1 ), 2 ) signed credit card agreement between me, the consumer, and alleged original creditor ( Exhibit 2 ). Most disturbing, they provide what appears to be a robo-signed or " false affidavit '' regarding the alleged debt ( Exhibit 3 ) that lists alleged DATE OF PURCHASE (  XX/XX/XXXX ) the PRE-DATES alleged Charge Off ( XX/XX/XXXX ). 

The FDCPA prevents any debt collector from collecting amounts that they are not expressly authorized to collect under contract, and it also prevents debt collectors like XXXX XXXX from using deceptive, false, or misleading representations in the course of collecting a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Product: Debt collection

XXXX XXXX is now falsely acting as Attorney-In-Fact for XXXX XXXX and has changed and or added documents to my original files at the county recorder in XXXX County Georgia. I have never hired XXXX XXXX for anything. I have never met anyone from XXXX XXXX. XXXX XXXX is trying to commit fraud on my behalf, and attempt to transfer my property to another party without my consent. The new party that XXXX XXXX says that they represent is now XXXX   XXXX XXXX, XXXX. These entities are asking me to transfer my property to XXXX XXXX XXXX, XXXX. I DO NOT HAVE ANY CONTRACT AGREEMENTS WITH XXXX XXXX XXXX, XXXX, ALSO I DO NOT HAVE ANY CONTRACTUAL AGREEMENTS WITH XXXX XXXX. I'm being harassed by XXXX XXXX now on the behalf of XXXX XXXX XXXX XXXX XXXX. By staying in honor, I've ask both entities to show proof where they've given XXXX XXXX , Estate or XXXX XXXX any value. They failed to respond to my Affidavits. Therefore, I assume they are attempting to fraudulently receive value from me and or my estate. I've sent cease and desist affidavits to both entities, who both failed to respond. Now XXXX XXXX is saying I lose by default and my property is in foreclosure, and I and requested to transfer my property to HUD, or XXXX XXXX XXXX, XXXX. Again, I have never taken a loan from XXXX XXXX XXXX , XXXX or XXXX XXXX. They have no right to contact me to defraud me. They have never given me value and they will never receive value from me. I'm requiring your office to demand these entities to cease and desist with their attempts to contact me, XXXX XXXX or my estate, XXXX XXXX, Estate about any debt. If they can show where I signed a contract with them, then I'm willing to settle any and all debts owed to them. They never respond when I ask, because it is false.
Product: Credit card or prepaid card

I received a {$100.00} TD Bank Visa gift card from a client in XXXX. I put it in my briefcase, but when I finally decided to use it in XXXX, I noticed that there was an " inactivity fee '' of {$2.00} per month after twelve consecutive months of non-use. I presented my card at a restaurant on XX/XX/XXXX and I was told that the card was only worth {$45.00}. So TD Bank pocketed {$55.00} of my client 's gift to me. I saw that the fee was shown on the card 's activation sticker. I presented my complaint to the Massachusetts Banking Commission, but since TD Bank is a federal bank, they told me that only CFPB had authority. If my client had given me a gift certificate to that restaurant in XXXX, it would have still been worth {$100.00} in XXXX. I am not happy that TD Bank can move my client 's gift to their bottom line. I would like the card to give me the full value of {$100.00}. I mentioned this complaint to XXXX XXXX, the ombudsman at XXXX XXXX XXXX, but he told me that TD Bank was " within the law ''. I want to lodge a complaint about the unfairness of a law that allows a federal bank to confiscate gifts as I have described.