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

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though this company AMEX is reporting an alleged Inquiry for date of service XX/XX/2019that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report # XXXX for XX/XX/18 and trans union file number XXXX for XX/XX/18 and XXXX XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.
Product: Credit reporting or other personal consumer reports

I would like all incorrect personal identifiers removed from my credit report. Please view the letter attached, the information labeled accurate is the only information that should be on my credit report. Please remove the previous addresses as they are incorrect also.
Product: Mortgage

I refinanced my home & was given funds to make a principal only payment on my 2nd mortgage. My 2nd mortgage is with PHH Mortgage. I make my regular payments to this company through my bank bill pay system. If you want to make an additional principal payment you must submit a check & a payment coupon. The regular payment ( from my bank ) was received by PHH on XXXX, the check I sent for principal only received XXXX. Because the check was processed first they took my regular payment out of that & applied the remainder to principal! When my bill pay payment came, they applied it to XXXX! When I was trying to talk to the agent this morning, she said that is the way it goes & I told her that no, the bank needs to reverse the payment for XXXX & apply it to XXXX & credit my account for an additional $ XXXX in principal payment. This company has been completely difficult in all dealings for about 10 years. What, if anything can I do? They say this " reversal '' can take up to 30 days!
Product: Bank account or service

Navy Federal Credit Union withdrew from my account savings/checking to resolve an outstanding credit payment. I had full intention of paying such balance, but was no informed of any deduction that would take place or a call to submit a promissory note for payment. Navy Federal states that it is part of their credit contract to do such deductions. I was not aware of any section in the contract that was clearly visible that any such deduction could occur. 
I have also noticed a trend of certain deductions from my account being made while the payment is still pending and then a second deduction when the payment is cleared. I am fully aware of the fraudulent activity that has been happening with Navy Federal recently and I have grown concerned over they 're honesty and ability to maintain accounts properly.
Product: Student loan

I have a recurring auto debit on the XXXX of every month and for the month of XXXX  that payment did not occur.  I was informed that the auto debit would not occur for XXXX because my account did not have a payment due and there was a system issue that is trying to be resolved. I pay more than the amount due and have accrued enough excess to be months ahead of my payment so the system did not take my payment. I had to contact the lender to determine why the payment did not occur, when going into the web portal the message simply says to please wait a few days for it to be resolved.   I have since gone in and instructed a one time ACH to pull today to make the XXXX payment. If I would not manage my finances to a strict budget I would not have noticed the payment did not occur and my account would accrue unnecessary interest.  However, my account will accrue additional interest for the delay in the payment (only 6 days on one payment but this is bigger than just my account).  The error by their system will in turn cost me and every other individual that has a loan with the organization that is paid ahead additional money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice stating that my dispute may have been sent in error and that would be incorrect. I am a victim of identity theft found multiple fraudulent personal information three different social security numbers, fraudulent addresses, accounts, inquiries reporting on my consumer report. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
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 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 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

They claim I was not making payments it 6 days after car was bought it was involved in wreck and was other parts fault now we settled in court and the van was paid in full as you will see it was a lump sum once court settlement came thru and it keeps destroying my credit please all Im asking is then change it to no missed payments due to other party not wanting to settle at first now I can provide court documents when I went and if this is not handled I will find a tax lawyer.
Product: Credit reporting or other personal consumer reports

I recently ordered my credit report to review, that's when I noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint, on the following dates ( XX/XX/2023 and XX/XX/2023 ). I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised in the recent hack. I checked on X/X/17
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$65.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}
Product: Mortgage

On XX/XX/2020, I spoke with XXXX XXXX, Senior Mortgage Banker with Commerce Bank, and discussed a loan amount we were seeking, as the bank had told us that a portion of our funds couldn't be used. 

I asked for direction, because the bank wanted to increase our loan by {$12000.00}, and my wife and I did not need that much of an increase. XXXX told me to send him the new loan amount I was seeking in an email and include XXXX XXXX, Premier Mortgage Processor at Commerce Bank Mortgage, as she was underwriting the loan. 

At this point XXXX and XXXX had already misplaced information that had been provided to them, consistently. 

On XX/XX/2020, after our conversation, I requested the loan amount be set to {$160000.00}. XXXX confirmed with a one-word message : " Completed. '' But the next day, XX/XX/2020 the approved loan came back with a {$1000.00} increase. That change had not been approved by the borrowers, and no explanation was given. 

When asked about the increase, XXXX lied and said he " had to '' increase the loan amount. Later, that lie became apparent when XXXX disclosed he needed additional documentation to meet the loan request on an account the Commerce team had neglected to include in their verification of funds, but passed the buck of their mishandling onto the borrower. 

Additionally, XXXX indirectly threatened to move the loan date and thus move closing, after his team had dragged their feet until the last minute to confirm details, when their error was called out. This threat showed a clear lack of fiduciary responsibility. 

This complaint is filed in regard to the lack of responsibility, blatant lie told, threat, and altogether malfeasance perpetrated by loan officers who have a responsibility to act in good faith.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized XXXX  party is involved, making this situation even more problematic.
Product: Debt collection

Apparently for some reason, Portfolio Recovery Associates. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the three major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XXXX XXXX 2017 on my XXXX, XXXX and XXXX credit reports to no avail. XXXX XXXX XXXX continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA. In the XXXX XXXX XXXX, American Jurisprudence, 73 AM Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that Portfolio Recovery Associates. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. Portfolio Recovery Associates. is blatantly disregarding the law.
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 unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recently became aware that Amerisave Mortgage Corporation participated in some illegal practices that harm customers. I did not know at the time ( until recently ) that I had any legal recourse for an issue I had, and I would like to seek restitution at this time. I applied for a 30 year fixed rate mortgage loan with Amerisave on XXXX/XXXX/06 ( loan application # XXXX ). As part of the process I paid for an appraisal. I also paid for " discount points '' to lower the interest rate on the mortgage. These payments were made through my credit card on XXXX/XXXX/06, and I have those records. Shortly after I cancelled the loan, as the terms had not been satisfactory. It was my understanding that the {$390.00} appraisal fee was non-refundable, but the {$3000.00} that was paid in discount points should have been reimbursed. I inquired many times to Amerisave to get this {$3000.00} reimbursement and they said they could not refund the money. Not only was this bad customer service, but caused customer harm to me in a deceptive and possibly illegal action of not returning the {$3000.00} in funds. Although it has been nearly 10 years, I would like to have this money refunded to me. I did not know at the time that I had any rights to get this money back, and was told to the contrary. Please advise. Thank you.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCET WITH THE FAIR CREDITREPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS UNDER 15 USC 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNTUNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.MYXXXX XXXX XXXX  XXXX ACCOUNT IS REPORTING MULTIPLETIMEPLEASE REMOVE
Product: Mortgage

I am a co-borrower on a mortgage loan with 5/3rd bank. My name has been removed from official tax documents while my co-borrower 's name remains. This is the fourth lending company that has managed our loan and the first to remove my name and access to important tax documents. I made a complaint and they said there is nothing they can do. This unfair practice impedes my ability to claim this mortgage on my taxes and manage the loan, and was arbitrarily determined without fair notice and explanation.
Product: Student loan

Hello, I am writing regarding my public student loan forgiveness application ( PSLF ). I filed an application for this in XX/XX/XXXX. I received a letter from the department of Education on XX/XX/XXXX. The letter stated that I qualify for the XXXX program and my loans would be transferred to Mohela. I had not heard from Mohela after receiving the letter, so I called Mohela in XXXX of XXXX. Mohela claimed they had not received my application and recommended I contact XXXX XXXX and Dept of Ed. I called and spoke with a representative at both. I was advised my file was sent to Mohela and that it would be sent again. I had not heard from Mohela so called in XX/XX/XXXX. Mohela claimed they still did not have my file. But while on the call, the phone rep claimed he saw the documents but that a file had not been created. He stated I should receive a welcome letter from Mohela within thirty days. It is now XXXX of XXXX and nothing yet from Mohela. I check the status of my application weekly at https : //www.mohela.com/DL/secure/borrower/PSLF/PSLFInformation.aspx There is no status on my form. I have now worked for a qualifying not for profit a total of eleven years. A co-worker submitted his application XX/XX/XXXX and has already received his forgiveness under the program. Somewhere in this process Mohela has dropped the ball. This is very frustrating and I risk losing access to this program.
Product: Checking or savings account

I opened a savings account on XX/XX/2019 with Ally Bank. That day I deposited a {$10000.00} check using the app. On XX/XX/2019 I received an email that the funds would be available soon. {$200.00} the next business day and {$9800.00} in two business days. On Wednesday XX/XX/XXXX my account was blocked so I called the bank. I spoke with 4 representatives and nobody said they can help me. The last person said there is a hold on the check and I need to call loss prevention the next day. I called loss prevention on Thursday XX/XX/XXXX, They rudely said I was told about the check and they can't help me. 
Today is FridayXX/XX/2019 My account is still blocked. The paying bank of the check said it was cleared on Monday XX/XX/XXXX. Please help me access my funds. 
case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s )  to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Checking or savings account

So they denied me access to my online banking and when I called them they said my account isnt account is going to be closed and I asked them what caused you guys to close my account they said someone reported a XXXX transfer I said how could someone that was supposed to send me money report a transfer and you guys suddenly decide to close my account and so after that they gave me a closure date for XXXX the XXXX then they extended it to XXXX XXXX and then they extended it again to XXXX XXXX they keep extending the date of closure I just need my money from them thats all I desire
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for XXXX XXXX where I encountered medical issues in XXXX. I had to file XXXX XXXX   XXXX. I also had to file XXXX XXXX XXXX in XXXX. 

I called capital one and informed them I was on XXXX XXXX XXXX in XXXX and in XXXX. I obtained my credit report and I see capital one has put late payments on my credit file during this time. 

The entire process I communicated with Capital One. Capital One even put me on a special payment plan during this time. Capital One failed to tell me that they would be reporting late payments while I was on XXXX XXXX XXXXXXXX. 

This is unethical. I have written several correspondences, emailed, and called capital one and have received no response to help me with removing these late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquiries on my credit report that I did not authorize. I would like them removed immediately. 

CompanyCAPITAL ONE BANK XXXX XXXX XXXX XXXX CompanyCAPITAL ONE BANK XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Self.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below.

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to 15 USC 1681s-2 it states this. ( 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. 
( 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. This is unfair to me.