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

On XX/XX/2020 - Equifax reported false information to my creditor causing the creditor to close my account - this information was not according with truth or fact, was incorrect. Equifax stated in a written report that my credit score was XXXX and list on the website that my score is is a XXXX on XX/XX/2020.
Product: Debt collection

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX XXXX GURSTEL LAW FIRM P.C. Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g. 

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Product: Consumer Loan

I went to XXXX XXXX on XXXX XXXX and traded in my XXXX Nissan Sentra for a XXXX Nissan Rogue. I informed the sales associate and finance department that my payment was due that day and I did not want to be late, incur any fees or risk being taken to collections. I have always paid my account on time and more than the minimum payment. My XXXX Nissan Sentra was financed through their own financing, NMAC. They recommended me to call NMAC and let them know that I had traded my car in and that the pay-off should be coming shortly. I did as instructed and left that day with my XXXX Rogue. I had to come back to the finance department of XXXX XXXX on XXXX XXXX to re-sign the loan documents since I had financed through NMAC again. That same day I brought it to the attention of the finance associate that my car was still not paid off and going on seven days late. They informed me the payment was going to be sent out that day since I was signing the new loan documents that day. Multiple calls/texts had been exchanged prior to the vehicle going 30 days late. However, no one would take ownership and/or follow up with me. Fast forward to XXXX XXXX, not only did I receive a notice that NMAC ran my credit through XXXX XXXX, incurring an additional and un-necessary credit inquiry, but I received XXXX notices stating that XXXX XXXX had in fact failed to payoff my vehicle within thirty days of my original payment date, resulting with my credit score dropping over XXXX XXXX points. I sent an e-mail to XXXX XXXX, the GM of XXXX XXXX, on XXXX XXXX to inform him of my experience. In the e-mail I had requested that he take the necessary steps to address this experience and correct my delinquency on all XXXX of my credit reports. This has taken me well over a year to have finally removed the delinquency and to try and repair my credit score. I never heard back from XXXX XXXX and my credit was never fixed so I moved forward. I filed a claim with the XXXX. The response from XXXX XXXX was that it was my responsibility to follow up with the dealership to ensure the payoff was sent. After sending back a detailed verbatim response, XXXX XXXX had no further comment or feedback. Either XXXX XXXX or the XXXX closed the case and listed my complaint as answered but unresolved/unsatisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 90 to 120 days late in XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX - During the XXXX and XXXX XXXX XXXX merger, my contact info was lost on my loan account, resulting in negative credit marks. 

On two occasions, XX/XX/XXXX and XX/XX/XXXX, payment issues caused payments not to be processed. XXXX only contacted me after the payment was 30 days past due and typically after receiving a notification from credit monitoring that my account was past delinquent. 

In the most recent occurrence, the mortgage rep confirmed again after my account was updated in XX/XX/XXXX, my account did not have phone or email information on my mortgage account, preventing late payment alerts on or around the XXXX. It's not till after the payment goes 30+ days that the issue is handed over to a different department that XXXX finds my phone number. I have a total of 12 XXXX accounts, I have banked and have had a Mortgage with XXXX for 20+ years, and have never had these issues until the merger. 

I currently have four mortgage accounts and two HELOCs with various banks, and I have no issues with processing payments or receiving phone calls. Yet, XXXX keeps losing my account contact information.
Product: Debt collection

Since XX/XX/2023 I have been receiving calls from XXXX, today I decided to answer and they informed me that they were calling from FBSC Collection company and I have a credit card debt of {$21000.00} that ends in XXXX. I do not recognize that debt.
Product: Mortgage

I applied for loan quotes online. In inquiring we generated many emails, texts, and phone calls. I chose a lender and notified the other lenders I have selected one. 
Loan Depot has chosen to ignore my requests to cease and desist calls. On XX/XX/XXXX and XXXX, 2021, I received 10 phone calls from them. There were several individuals but all would talk over me and insist they had a better product. One was quite belligerent.

I have received calls at least twice daily since then.
Product: Credit reporting or other personal consumer reports

I lost my wallet having my personal information like Social Security, Drivers License, Credit cards etc. Then when u checked my credit report I found some accounts which does not belongs to me.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account number 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 an account without my consent.
Product: Mortgage

I have had XXXX short sale offers submitted to Dovenmuehle Mortgage. The first one went all the way through escrow, but when there was yet another delay on XXXX 's part, the buyers have walked away. The mortgage company refuses to talk to me or to communicate with my real-estate agent. Their letters say I have a point of contact, but I can never get to her, and I am still receiving calls from their collection department, which I understand is illegal. I have provided all the information they have asked for on numerous occasions, but every time I attempt to contact them, they never seem to " have it in their system ''. In fact, the last representative I talked to said they have no record of any short sale offers ever having been made, which I know is a lie. I can not keep this house, I have tried for years to get it sold, but they will not cooperate. At this point, I want to just do a deed in lieu of foreclosure, they can have it, but again, nobody will talk to me.
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. Transunion, XXXX and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company is delaying the repairs on my house after the hurricane Michael by keep making errors on found release. 

They ignored the invoices submitted by the owner. Sent a check of $ XXXX to the borrower and the window contractor by accident. The error was a knowledges in XX/XX/XXXX, yet not fixed. 

The loss department deposit the founds in a different escrow account which delays the found release for repairs. 

No supervision called me back to solve this matter. I spend 30- 50 minutes on the phone to get a run around why I can not have my money released.
Product: Credit reporting or other personal consumer reports

I reached out to Trans union back in XXXX again in XXXX, XXXX and now XXXX To follow up with my complaint and they gave me the run around. Hung up on the phone when I started asking more detail questions. They have listed incorrect inquiries on my credit which cause my score to go down and I was denied credited based on what they said. Today XX/XX/XXXX  I'm trying to freeze my credit online and I'm getting denied online access. I log in and ask for a chat conversation. The Chat person I spoke to is XXXX and she said, " oh it must be a technical glitch, but I can't fix it for you you'll have to continue to call to talk to someone who can. However I can freeze your credit for you ... ''
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 or other personal consumer reports

My banking account was breached and in addition my information has been breach. XXXX XXXX is the only credit bureau service that is reporting in accurate information and I would like to fix they have that I have over XXXX inquiries and all of them are incorrect. I would like to remove. I want the light removed XXXX as I have already spoken with XXXX XXXX they are in the process of removing it. No other credit agency has marked me late. I have never been late and I just noticed that I had a late pay last year in XXXX and based upon my other Credit bills and the law I need for them to remove it because they are in breach of my information and it has been stolen and they have always gotten their payments to us on time. my information was even breached by XXXX upon them merging with XXXX. There are laws. This says they must remove it and I want it done right now. I have excellent credit. I have never been laid on anything nor I have tried to obtain any credit in the last XXXX years, so please have it removed along with the FTC report has been sent,
Product: Credit reporting or other personal consumer reports

This is the XXXX time and it's still inaccurate and incomplete information this account is showing ( ND ) ( CO ) ( C ) in the experian report. XXXX don't even have payment history XXXX showing no payment history. Experian has this account as an collection and charge off. XXXX and XXXX as this account as a charge off. Remove this account immediately!! So experian, XXXX and XXXX has failed to complete the inaccurate and incomplete information. Experian has the closed date XX/XX/XXXX XXXX and XXXX have XX/XX/XXXX ( XXXX ) years apart. Remove immediately! 

XXXX XXXX XXXX.
Product: Debt collection

In XXXX of 2016 both my XXXX and Bank of America checking accounts was charged for by the XXXX XXXX XXXX XXXX Office for a legal judgement that I owed. Since XXXX accounts were debited at the same time I was overcharged for the debt. I called the XXXX XXXX XXXX Office to complain that more money was taken than what was owed. The XXXX Office told me that they had to wait for XXXX checks to be mailed to the XXXX XXXX Office and then I would be issued a refund for the over-payment. When I called to check on the status the XXXX Office informed me that Bank of America had not sent in the check they collected. I when I spoke to Bank of America they claimed the check had been sent in XXXX so I called the XXXX Office again and they told me that Bank of America only has 15 days by law to send in the check to their office and they had still not received it. I have called Bank of America several times since XXXX and each time I call I 'm told that they will cancel the check and reissue another check but it will take three months. However each time I have called no action has been taken and the representatives argues with me and gives me the sames scripted response that the XXXX Office needs to take action. The XXXX Office has been very clear about the laws and what Bank of America is supposed to do. Furthermore Bank of America is actually the company that the judgement was for so obvious that are fully aware that the judgement has been overpaid. Bank of America owes me {$1400.00} which they have kept in limbo since XXXX and we are now headed into XXXX. Please have Bank of America release my money or I will have to file a lawsuit.
Product: Consumer Loan

I received a vehicle which was a lemon. I was paying thousands to fixed car which caused me to have to file XXXX for this vehicle.i owed under {$12000.00} dollars when I filed bankruptcy. I finally gave up car and went to court with foreman financial over never receiving any mail letting me know the status of car and how much they received from the auctioning of car. They have added fees totally over XXXX and continuing to add fees even though my credit report saids charge off closed now open / charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XX/XX/XXXX - seven months later and according to CFPB Auto loan applications submitted within a 14 - 45 day time period should be treated as " One '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " One '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit score. 

Equifax lists XXXX inquires XXXX list XXXX inquires XXXX list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XX/XX/XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as XXXX inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as XXXX separate inquiries. 

And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I THINK TO SAY WITH CONFIDENCE THAT NONE OF THE THREE ( 03 ) CREDIT REPORTING AGENCIES ARE QUALIFIED. I AM CERTAIN IN GOOD REASON ( S ) IN-WHICH I CAN, WILL & AS I WILL NOW DO SO & SAY BEING YOUR PATIENCE LISTEN ME PLEASE?. 
I HAVE AS I AM MAKE MY PAYMENT 'S BEFORE DUE AS WELL TWICE AS MUCH & MORE THAN AS WELL OFTEN & AT SAME TIME PAYING MUCH ATTENTION MY LIMIT 'S & RATIO 'S MATHMATIC IN CONSCIOUS EACH & EVERY MONTH AS WELL " ALL '' PAYMENT 'S, EXACTLY W/PROMISE I HAVE/I AM. 
SINCERELY, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Solutions was added to my credit report in the past. It was taken off because I wrote to them and asked for any legal contract with my signature on it from their company and they could not provide. I have never did business with their company so by law they have no business putting anything on my report. All of these agencies who are buying contracts from other businesses are not allowed to put any negative reports on anybody account, I don't know why you guys keep allowing it. If they can not provide you with my signature on a debt recovery solutions contract, please take off again for the second time. I appreciate all of your help, thank you.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication via CFPB regarding an unauthorized inquiry that is still appearing on my credit report. Despite your mention of an internal process for handling such matters, I am deeply concerned that this inquiry was granted without obtaining my explicit consent, thereby violating my rights as a consumer. 

XXXX - XX/XX/2022
Product: Checking or savings account

I am writing to seek your assistance with a matter that has been causing me considerable concern. For the past month, Bank of America has blocked access to my account without any justification, despite my repeated efforts to resolve the issue. I am at a loss as to the reason for this action, but I suspect it may be related to a form I completed with XXXX, which granted them access to my account information due to the securities I purchased with them. When I became aware of the potential risks involved, I attempted to cancel the access granted to XXXX, but was unable to do so after Bank of America revoked my account access without explanation. 
This has caused significant inconvenience and financial hardship for me, as I'm out of the country on a business trip, and will not return until XXXX. I am hopeful that you may be able to intervene in this matter to help me regain access to my account. 
I am deeply grateful for the assistance that your establishment has provided me with in the past, without which my business would have failed. I am hopeful that with your help, this matter can be resolved swiftly and effectively. Thank you for your attention to this matter, and I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXXXXXX XXXX - false medical debts on Transunion XXXX XXXX ( XXXX deleted it ) XXXX XXXX  & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all three agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on XXXX and XXXX ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from Transunion XXXX XXXX. XXXX deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on Transunion
Product: Mortgage

XXXX loan, aka XXXX, is falsly reporting that we have an open account with an outstanding mortgage balance of {$580000.00}. Eagle sold our loan to a different creditor in XXXX of 2022. The only amount in dispute is one payment we allegedly owe Eagle of {$4500.00}. We maintain we do not owe this money and do not understand how they can legally report that we have an open account with them and an outstanding mortgage balance. Due to their fraudulent reporting of a second mortgage, our debt to income ratio has doubled so even though we only own one real property with an outstanding balance of {$580000.00} to XXXX XXXX, our credit is reporting we owe double that amount due to Eagle reporting we owe them {$580000.00}. If the disputed amount is only {$4500.00}, they should report only that amount as an outstanding balance. This has had detrimental consequences as we are unable to apply for loans or move forward with any business opportunities. We have reported this information multiple times to the credit Bureaus and they insist that the information is verified and accurate. I have proof that it is inaccurate. I have provided that proof. Bottom line, if Eagle/Lennar is saying we owe them only {$4500.00} for the month of XXXX, why are they repeatedly reporting to the credit bureaus that we owe them {$580000.00} and that we have missed XXXX and XXXX payments? They have themselves acknowledged in an email that if we pay the one payment amount that they will close our mortgage account and remove it from the credit report but that is in essence holding us hostage as it appears as though we are currently in debt {$1.00} XXXX  dollars when in reality we are only in debt {$600000.00}.
Product: Debt collection

I have requested the 1099 OID to validate this debt and have not received it. I told LVNV Funding that I wont pay this until I validate the claims. They still contact me about it violating 15 USC 1692c ( c ) by calling me and reporting this to my credit report whos are both forms of communication.
Product: Prepaid card

My Citi Prepaid card XXXX expired on XX/XX/2014. It had a balance on it that Citi Prepaid ( 3rd party contracted by Citibank ) refuses to reissue. Per CFPB, the balance is valid for 5 years even if the card expires. I spoke to XXXX, rep number XXXX who despite being informed of the CFPB guidance refused to comply and refused to reissue the card or the amount. I feel cheated out of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX APPEARS ON MY CREDIT REPORT AS HARD INQUIRY... I NEVER REQUEST A CARD WITH THIS COMPANY NEITHER HAVE A CREDIT OR DEBIT CARD WITH THEM