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

After I shopped for new homeowner 's and car insurance in XXXX, XXXX, I found out that Lexis-Nexis had provided my file information to prospective insurers. When I received a copy of my report, I found numerous errors, including apparent typos and, more significantly, an old address where my ex-husband lived that I had never even visited and conflation of automobile insurance policy and claim records for myself and a friend who rents a room in my house. Lexis-Nexis corrected the typos but claims the other errors represent accurate information, without providing any information about how I can correct the record. 
The old address for my ex-husband dates back to about XXXX and probably was the result of an error made by a bank where we both had individual checking accounts ; the bank started sending my account statements to his address. The bank employee with whom I met expressed significant embarrassment and I immediately closed my account. 
The conflated auto insurance records potentially influence both of our ability to purchase auto insurance at favorable rates, since both of our cars and both of our claim records are listed. We purchased our cars independently, insure them separately, do not drive each others ' cars, and were not involved in the accidents leading to the other person 's claims. 
The letters I've received from Lexis-Nexis do not identify which of the errors they corrected, which errors they claim are correct information, and the sources of the incorrect information. Identifying these errors requires accessing a 100+-page report online and wading through it line by line. I also did not receive any explanation of why Lexis-Nexis seems very happy to report false information while ignoring explanations of why it is false from the person whose record is inaccurate.
Product: Student loan

EDFINANCIAL is hurting my report in which was closed in XXXX of 2013
Product: Debt collection

i already paid off 2 years ago but still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Mortgage

UWM LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX The short sale was started with UWM on XX/XX/2019. The 4506T was sent to them at this time as part of the complete short sale package. They started the loan mod review process on XX/XX/XXXX. Documents have been uploaded multiple times into their online portal since then, including the 4506T which has been uploaded several times. 

As of today, they are still making excuses as to why they can not review this file. Even though we have uploaded the 4506T multiple time, they continue to make up numerous excuses such as : they do not have the 4506T ( at all ), the 4506T they do have is not signed, the 4406T they do have is not filled out correctly, the 4506T is completely blank, and the 4506T is missing addresses.

****FURTHERMORE when we call in no one can tell us why the 4506T has been rejected and we have to wait several days, for NO ONE to call back, then call back in again and demand to talk to management. Even then, it takes DAYS to get a straight answer out of UWM. 

Their supposed review of this file for a loan mod has been going on for TWO MONTHS!!!!!!! -- -- - This is RIDICULOUS!!!!! -- -- -- - It has become apparent to me that they are doing nothing except to delay the decisioning on the file in an attempt to defraud the investor out of even more ( inflated ) servicing fees.

Since this company seems to be incompetent in reading a 4506T I have attached it here.

I want this reviewed and moved forward WITHOUT FURTHER DELAY!
Product: Bank account or service

TD bank refuses to return my money, with adequate response, after a claim was submitted. XXXX scammed me out of my money and the bank refuses to return it. I ca n't eat and that money is federal and they do n't allow me to use it the way ti was given t me. Food, clothing, and shelter. XXXX number is XXXX. XXXX XXXX. Wo n't give me my money for the amount of {$580.00} dollars which was given in response to a loan which I was to receive. And I received nothing with a amortization of XXXX dollars a month. The police refuse to help and the money is federal from XXXX and I ca n't eat or sleep. Because they refuse to pay. I have insurance from XXXX XXXX XXXX and XXXX with XXXX XXXX I ca n't get any reciprocity in court.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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: Debt collection

I checked my credit and saw an account from Portfolio Recovery for XXXX XXXX for {$630.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$300.00} for to settle for a deletion.
Product: Checking or savings account

On XX/XX/XXXX my XXXX daughter went to Chase Bank located on XXXX XXXX XXXXXXXX around XXXXXXXX XXXX  XXXX She was scammed by a guy threatening her he put a {$1000.00} check in her account, I filled a police report on XX/XX/XXXX went to Chase on XX/XX/XXXX filed a report on XX/XX/XXXX We received a call from a Chase employee named XXXX, stating that we got a refund when I check the account the {$540.00} was in the account and she said now the case is closed, a week later we received a letter stating that a refund was disbursed no action will take place. On XX/XX/XXXX we deposited {$190.00} but on XX/XX/XXXX XXXX I noticed the account was negative, the bank deducted {$730.00} and the account with negative. I went to the bank I was told that was a temporary refund which was not said in the letter nor from the lady. after my complaint now they hired security for the ATM section. The police knew about the problem my daughter was not the only victim not nothing was done prior otherwise my child would have not been a victim She is XXXX, I took her to XXXX  after the incident for about a month she was so scared of being outside by herself.
Product: Credit reporting or other personal consumer reports

I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My debit card was skimmed somewhere in XXXX Florida, I had contacted the bank when I noticed the activity, but they were quick to only take 3 of the charges, I had to complain and have them do the rest of them, now in mean time i overhear the same thing with a neighbor how there card has been used and it was also still in her purse, so we both got talking and come to find out a machine at the bank had a skimmer on it, which allowed them to obtain our information, the bank refused to give my money back and has taken off the contact option online for me to deal with them, under my aggreement they are liable for that and the other claims and yet are very quick to deny any fault, but when two months before I hit the wrong pin code they locked my card and gave me nothing but a hastle, and also at that time i changed my address which they did not do as well all this activity was not my spending habits, and they said that they do not have to contact me for anything and declined to pay my money back, this is unjust Bank of America is really bullying everyone
Product: Mortgage

XX/XX/XXXXBank of America Credit Dispute ResolutionXXXX, CA XXXXRE : Loan # XXXXTo Whom It May Concern, It has been recently brought to my attention that an erroneous negative credit report was placed on my credit history and has adversely impacted my FICO score. The derogatory credit report must be removed and notified by the XXXX credit reporting agencies immediately. 

I have never made a late payment to my mortgage with Bank of America loan # XXXX. The late payment reported to the credit bureau was done so in error by Bank of America. Please see attached document that was faxed to me from Bank of America 's mortgage department in XXXX XXXX California on XX/XX/XXXX. 

In XX/XX/XXXX I refinanced my mortgage loan # XXXX to get a better interest rate. As you can see in the attached document, the monthly loan payment was paid on XX/XX/XXXX in the amount of {$4300.00}, well before the XX/XX/XXXX due date. Bank of America 's customer service advised that because XXXX XXXX had called and asked for a certified payoff that the account was in a payoff status. 

For reasons unknown to me and without my direction, the payment had already been accepted and cleared my account and applied to my mortgage balance on XX/XX/XXXX was reversed by your customer service XX/XX/XXXX on XX/XX/XXXX and was then posted into a miscellaneous trust account pending the loan payoff. 

Then on XX/XX/XXXX a late charge was assessed to the account as if a payment had never been made. This late charge was reversed the same day and the payment of {$4300.00} was transferred without instructions from me to my escrow account. This loan was paid in full on XX/XX/XXXX, and is being serviced by the new lender- XXXX , who in turn transferred the loan to XXXX in XX/XX/XXXX. 

Please note I was never notified by Bank of America that they had taken my payment made on XX/XX/XXXX and applied it to a suspense account and then applied it to my escrow account. Bank of America made these actions without consulting me, and therefore, until now I was not aware that they had reported a late payment to any credit bureaus in error. 

I am requesting Bank of America immediately correct this error and remove the derogatory report for each of the XXXX credit bureaus that Bank of America reports to. The incorrect late credit report has affected my FICO score and ability to get additional financing for other matters. This has also affected the credit of my co-borrower parents. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected.

US DEPT ED  XXXX Balance Owed : {$7900.00} ; XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I was alerted that my Chase account was overdrawn. Upon speaking with a representative and their supervisor was advised the debit was related to a check cashed for an account not owned by myself or anyone in my household. The representative and supervisor advised me that since it is Saturday the transaction can not be corrected until Monday and my account would remain in negative until then. It is my opinion that the bank has made their error my problem and now I am here with our XXXX  month old baby and - {$140.00} so no grocerys till next week. 

Thanks chase!
Product: Mortgage

We are very frustrated with the way that US Bank has handled the servicing of our mortgage loan. We feel that they sold us a bill of goods by telling us to reach out to them when we were in trouble through their mobile app but even though we did this several times they never responded or offered any type of help. We purchased our home in XX/XX/2023 with an FHA loan through US Bank. At the time I was working XXXX XXXX as a XXXX XXXX XXXX and the co-borrower ( my fiance ) XXXX XXXX was working as a machine operator. About 5 months after moving in XXXX unexpectedly lost his job and it put us in a difficult financial situation. I reached out to US Bank to explain the situation and find out how we could get help because we could not make the XXXX mortgage payment. I was told to go through the US Bank mobile app and that I could enter information about my hardship and situation and that we would receive help. I did this and no one contacted me, there was no offer for help, there was no communication. I went on the mobile app again to submit information regarding our hardship and situation with the understanding this would inform US Bank of what was going on and that they would provide information on programs to help us. Again, we never heard from anyone. This seems like a deceptive tactic, telling homeowners with government backed loans that they just need to put information into the new fancy mobile app and options for help will be provided. Next thing we knew we were getting a letter saying we are in the beginning of the foreclosure process. US Bank has pitched a service that does nothing to help homeowners in our situation and as a result we are further behind and starting foreclosure. 

My fiance and I were very excited to buy our first house and put 3 % down and looked forward to our new house and new life together. XXXX job loss was unexpected and difficult as we have XXXX XXXX in our home, XXXXXXXX XXXX as well as a XXXX XXXX XXXX and XXXX XXXX XXXX. We did everything we could to keep up but could not make the XXXX mortgage payment and put my information into the app so that we could get help. However no one responded to our request for assistance through the app. I wanted to show my good intentions and made a partial payment in XXXX but could not pay anything in XXXX and submitted a new request for assistance through the app. Again nothing happened, no response, no access to government programs designed to help struggling homeowners with government backed FHA loan. I was able to make the full XXXX payment and wondered why US Bank was not responding to our requests for help. 

US Bank is now refusing to accept payments from us unless we reinstate the entire past due amount which is close to $ XXXX. We have never been considered for ANY assistance options even though I know that FHA has programs for struggling homeowners.
Product: Mortgage

Ocwen has been over charging me escrow fees since XX/XX/XXXX. My property taxes were {$6500.00} in XXXX, but Ocwen charged me nearly {$9000.00} in property taxes. My home owners insurance was {$200.00} per month in XXXX, but Ocwen charged me {$280.00} per month. In XXXX my taxes went down to {$2500.00} per year because I reached age XXXX, but 0cwen continues to charge me {$780.00} per month. I have complained in multiple occasions and to date  nothing has been done. I need relief and a lower monthly payment.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I don't understand why they appeared. I review my report regularly, but these discrepancies showed up unexpectedly. I refreshed my browser, hoping it was a temporary glitch, but the errors persisted. Given this situation, I am requesting a careful review of my submitted documents so I can put this concern to rest once and for all.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, Transunion and XXXX and disputed the collections on my credit report. I asked them to remove them and they did not.
Product: Debt collection

They continue to call after repeated times of telling them to place me on the do not call list. They do not say the name of the company when they call, even when asked. They refuse to send the ownership of debt, without me supplying my social security number. This is clearly a scam.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ... ... XXXX XXXX This is my third request to these companies. In XX/XX/XXXX In XX/XX/XXXX and now XX/XX/XXXX I have sent letters either requesting why erroneous information pertaining to accounts listed are listed on my profiles for Equifax ... XXXX and XXXX XXXX ) Names. They have placed erroneous names for me such as XXXX XXXX XXXX ... ... XXXX XXXX XXXX... .. XXXX XXXX XXXX ... ... ... ... XXXX XXXX XXXX XXXX ... ...... etc. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. I am tired of sending copies of my id stating this. I dont know where these agencies got these names from My social is XXXX. I am shown to have socials ending in XXXX XXXX and other social security numbers. I have asked these to be removed more than once with no remedy. I have sent a copy of my social more than once They continue to show addresses not mine. My address for more than 26 years is XXXX XXXX XXXX XXXX XXXX CA. XXXX. These agencies have 8 different erroneous addresses for me which include family members addresses ... .... apartment buildings i have managed and other addresses not related to me. 

Addresses shown on reports which are not mine are ... ... ... ... XXXX XXXX XXXX XXXX XXXX CA XXXX... XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX...... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX...... XXXX XXXX XXXX XXXX XXXX. CA XXXX......... XXXX XXXX XXXX XXXX XXXX CA. XXXX ... ... ... XXXX XXXX XXXX ... ... ... Why are these addresses on here and where did they come from ... .... 

I have requested an explanation of what the following alleged accounts and balances are for ... ... .a complete audit trail ... ... .. documentation that shows i agreed to pay the debts listed ... ... ... ... ..written permission or agreements I have with these companies ... ... ... ... .notification to me 30 days in advance advising me of the intent to put these negative information on my profile. I have no clue who most all of these companies are ... ... ... what agreements i have with them ... ... ... ... all of them show different amounts on each report ... ... ... ... they have not responded to me reporting back the requests I have asked for. the companies on these reports for which i have requested info on my reports are : XXXX XXXX XXXX XXXX XXXX XXXX ... ... ... ..XXXX XXXX ... ... ... XXXX XXXX XXXX ... ... ... ... ... XXXX XXXX ... ... ... ..XXXX XXXX XXXX  ... ... ... ...... 

Inquiries I have no idea who these inquiries are and have never given permission or authorized them : XXXX XXXX XXXX  XXXX ... ... XXXX XXXX ... ... ... XXXX XXXX ... ... ... .. XXXX XXXX Phone numbers that are not mine that are shown : XXXX and XXXX
Product: Credit reporting or other personal consumer reports

15 usc 1692 design to eliminate abusive, deceptive, and unfair debt collection practices 15 usc 1681s-2 Responsibility of furnishers of information to consumer reporting agencies 15 usc 1681 ( n ) Civil liability for wilful non compliance 15 USC 1666 ( b ) timing of payments A creditor my not treat a payment on a credit card under an open end customer credit plan as late for any purpose 15 USC 1681 ( c ) 2 Blocking information resulting from identity theft