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

XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXCA, 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 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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Mortgage

Finance of America deliberately let the rate lock expire ignoring my numerous follow ups about their failure to contact the appraisal company to get it expedited. After my appraisal was completed 6 days before lock they wasted more time to add more Originate fee to my leaving me with no option but to pay. Basically forcing me pay the fee with no option. 
Looking at other reviews this seems to be the loophole they are using to let lock expire so they can charge more fee. I have complete documentation with clear time-stamps of my follow ups and their responses. Also they fail to respond to most emails in time and even if they which are ambiguous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX XXXX different address associated with Experian asking them to investigate my account. Here are the tracking number ( XXXX ) : XXXX XXXX XXXX It has been over 30 days. This consumer reporting agency is in violation. 

According to 15 USC 1681i - Experian has 30 days to investigate and send me the results. 

They also did not even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Product: Prepaid card

I bought a {$10.00} google XXXX gift card using the XXXX XXXX and attempted to redeem it with Google. Upon attempting to redeem the card, Google asked for additional information which I supplied. Google then responded that the card I submitted " isn't valid or doesn't match the information in our systems. '' They left me without any explicit recourse to further contact customer support to avail of the card that I legitimately purchased. I'm supplying information substantiating the legitimate purchase of the gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT AGENCIES FRAUDULENTLY CLAIMED TO HAVE VERIFIED INFORMATION THAT WAS NOT FURNISHED TO THEM AND THEY CONTINUOUSLY REPORT THIS INACCURATE INFORMATION ON MY CREDIT REPORT. 
15 USC 1666 ( B ) 15 USC 1681 ( B ) 15 USC 1681 ( A ) ( E ) 15 USC 1681C ( A ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My truck was repossessed today, less than an hour ago. It creates a hardship if I can not get that vehicle back asap, I can not go to work. There was no warning, the tow truck came and took the vehicle. Ally can not provide proof of validation of the loan, nor will they accept other forms of payment which have been sent. They are very aggressive and I am now under duress. 

I sent a letter a few months ago disputing the account, called them out on fraud, they immediately closed the account and refused to accept any more payments in fiat currency and is demanding certified payments. Again, this account is in dispute so the vehicle should not have been repossessed. 

On XX/XX/XXXX, I received a letter indicating a charge off with no repossession in the communication. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX to XXXX of XXXX, I filed a dispute with this credit bureau about the inaccurate reportings of the collection accounts : XXXX XXXX XXXX  Account number XXXX -- XXXX XXXXAccount number XXXX and Account number XXXX. I have attached my disputes with this complaint.Credit Reporting Act any inaccurate and unverified item must be removed from my credit report. I have sent a dispute with evidence for the removal of these three account and this credit bureau has not complied with the laws of the Fair Credit Reporting Act. So now I'm asking cfpb to step in and help me with this issue of the removal of these inaccurate items that are being reported. thanks
Product: Student loan

I applied for Public Service Loan Forgiveness on XX/XX/XXXX and got the Federal Education department for PSLF XXXX payments approval on XX/XX/XXXX. Many students have the same date letter got discharged from MOHELA on XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX but not me. I called and emailed both Federal Aid department and MOHELA many times- more than 15 times but no update and no help. All answers I got is need to wait, no time frame, no reason why. Im so frustrated, I feel unfair and hopeless. Everyone time, I called them and requested to talk with ombudsman, I said no ombudsman option or put me on hold then hung up.
Product: Mortgage

I obtained a VA loan from Freedom Mortgage corporation during XX/XX/XXXX, my first payment was during XX/XX/XXXX. I have paid the loan each month on time, and many of my payments included an additional amount to be applied towards the principal balance of the loan. Each month Freedom Mortgage provides me a statement that indicates what portion of my payment was applied to interest, principal, and escrow. They also provide a breakdown of the same information for my next payment. It is impossible for Freedom Mortgage to determine in advance how much interest will be applied, unless they know the exact date I will make my next payment. The scheme they have developed is, apply a pre-determined amount to interest, and the remaindered deferred and they apply interest to that unpaid portion of the payment. I figured this out when I called for a payoff of my loan and learned of the large difference between the reported outstanding principal balance on my monthly statement and the actual payoff. I know there is and should be a difference mainly because of the interest that would have accrued since the last payment. My statement balance on XX/XX/XXXX reported an outstanding principal balance of {$220000.00}, however when I called for a payoff, I was told it was approximately {$220000.00}, that is a difference of about {$1400.00}, not the few hundred dollars I would expect, please note that my interest rate is only 2.25 %. The bank should be applying interest based on the principal amount due, accrued interest, and loan interest rate. There should not be a deferral of interest that also accrues interest. 
I understand how loans work, and how interest is computed, I am a XXXX in the state of Virginia and I knew something was fishy but did not conclude what was going on until I requested a loan payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 auto loans were established using my credentials without my authorization. These accounts were opened fraudulently with XXXX XXXX formally known XXXX XXXX I have reached out to this company regarding the fraudulent negative reporting on all 3 credit bureau agencies and there has been no change.
Product: Mortgage

Home was damaged by hail, insurance adjuster paid for new roof as well as damage to other structures and items on my property that was also damaged. Mortgage company will not send me the money back for damages to my personal property, its not collateral, mortgage is for the Home only, not any other property, Mortgage company has no right to hold money for something that is not collateral. its not up to them if I replace a gazebo or not.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Debt collection

I received a letter from I.C.System, a collection agency, XX/XX/2021, demanding that I pay THEM {$59.00}, naming the creditor as XXXX account No : XXXX. I.C. System XXXX XXXX : XXXX. 
I called XXXX, talked to a representative called XXXX, who informed me they had NO information regarding the {$59.00}, and that my account was current. 
I called I.C.Systems XXXX XXXX XXXX XXXX to dispute the billing. The rep informed me that they had received the request from XXXX 14 days ago. Obviously, not true. When I called him a scammer, he replied " I'm sorry you feel that way ', and hung up Their address is : I.C.Systems, XXXX XXXX XXXX, XXXX XXXX, MN XXXX I don't have an account with you, but my e-mail address is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've previously send an Identity Theft Report from the Federal Trade Commission to Experian. Experian declined my request to block one or more items of information. XXXX ) Experian said " because there is no evidence that this online-generated report was received by a law enforcement agency. '' FTC Report is clearly and online-generated report from a federal enforcement agency. They enforce federal laws. 
XXXX ) Experian also mentioned " to continue with your block request, we are asking you to provide validation that the report was filed with a federal, state or local law enforcement agency. '' I have submitted my validation exactly how they ask. I sent Experian an identity theft report with the my FTC report number from a federal law enforcement agency. Identity Theft occurs when someone uses your personally identifying information like your name, Social Security number, or credit card number without your permission to commit fraud or a crime. Experian gave me XXXX different answers that contradict each other. XXXX ) Experian also determined " my request to block was made in error, or, my request to block information was based on a material misrepresentation, or, i knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. '' I want to know exactly how Experian came up with this determination and where and who are they getting their information from.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof including certified copies of both the contracts and supporting tax documents. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian taking more than 30days to reply to misreporting on a late payment that was removed by my creditors XXXX XXXX and deemed on time. Contacted XXXX XXXX and they mentioned only Experian can take it off. Disputed it twice and no response or deletion. Experian said I had to reach out to XXXX XXXX. Enrolled in financial relief program and had late payments incorrectly still reported as late. Never missed a payment when enrolled and program and yet still received late payments on credit report. Please delete this false reporting
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a car loan with a repossession on both my Experian and XXXX Credit reports. I have tried getting information from both the lien holder and car dealership listed on the report. The car dealership is no longer in business and the State of Oklahoma has no record that the entity existed as a legal business in the state of Oklahoma. I have repeatedly requested information including a contract and signatures from XXXX XXXX XXXX regarding this transaction. I believe this is a case of identity theft and I am unable to provide ANY information for an investigation and XXXX XXXX XXXX has NOT provided proof of the debt to me. I have disputed with all three credit bureaus. XXXX  concluded that XXXX XXXX XXXX has NOT and CAN NOT provide proof of debt and removed it from my report. Experian says the debt has been verified. I have repeatedly asked Experian both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my aforementioned dispute. Experian has NOT provided this information. It has been more than 6 months and I have made multiple calls and sent several letters that have gone ignored.
Product: Checking or savings account

I use XXXX XXXX XXXX  for my checking account I have XXXX set up with my checking account. I made an error and sent several XXXX payments to the wrong person. I gained contact with this person through email, and the person ( XXXX XXXX ) filed a dispute with their bank ( TD Bank ) I also filed a dispute with my bank. My bank denied the claim twice. My bank ( XXXX XXXX ) will not send a request for the funds to returned. XXXX Bank ( TD Bank ) has removed the funds from his account so he can not send them back to me and his bank will not release the funds back to me unless my bank requests them. My bank will not assist me. I need help! XXXX XXXX has provided me with an affidavit of truth and I have provided this to my bank and my bank still denied the claim. XXXX XXXX Claim number XXXX TD Bank Claim number XXXX XX/XX/year> XXXX
Product: Debt collection

Southwest Recovery Services posted a debt to my credit report that I did not owe. I spoke to them on XX/XX/24 and provided documentation showing that I did not owe this debt. They verified that I did not owe the debt and informed me it would be removed from my credit report on the XXXX or XXXX of XXXX. It was not removed from my credit report and I am suffering severe financial losses as a result.
Product: Mortgage

Dear Sir/Madam, I am still experiencing ongoing issues with Flagstar Bank regarding my mortgage and credit reporting, as well as misinformation about a foreclosure of my primary residence at XXXXXX/XX/XXXXXXXX, FL, XXXX. 
Flagstar has not corrected the foreclosure error in the county public records, as I was told by a gentleman named XXXX. He said he had worked in the corporate office. I was assured by him that i should wait and take no further action. This conversation was recorded last year in XX/XX/XXXX. 
Almost a year has passed when I applied for a home equity line of credit with XX/XX/XXXXXXXX. To my great surprise, my credit score had dropped significantly as I had 2 late mortgage payments reported to the credit bureau in XXXX by Flagstar Bank. During my conversation with XXXX in XX/XX/XXXX, I was informed that Flagstar would send a correction letter to the credit bureau immediately to remove the late mortgage payments. No correction letter was sent before XX/XX/XXXX after I personally called Flagstar requesting an update why did not Flagstar send to the credit bureau the correction letter about the mortgage payments. 
I have asked when the foreclosure error will be corrected in the county records as I was promised by XXXX in XX/XX/XXXX. To this day I have not received any written statement detailing what actions have been taken regarding my account and what actions are planned, including timelines. 
I was refused a home equity line of credit because my credit had dropped a lot after the foreclosure error. Had Flagstar reported the credit correction on time last year, I would not be in this credit situation today. In addition my mortgage broker had informed me that with 2 late mortgage payment reported, I could be refused a new mortgage from lenders. I am still receiving calls from real estate pros and coworkers as to the foreclosure. This makes me feel extremely embarrassed and ruin my reputation as a professional.
Product: Mortgage

Fifth Third Bank in XXXX, FL were contacted to re-finance my home in XXXX XXXX 2017. After 5 months of attempting and re-attempting to submit all my financial documents they, without my knowledge, changed my loan from a refinance with cash-out to a refinance. After 5 months they told me to change it back we would have to re-submit all our documents again. The following people were involved in the deceit : XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX. They all contributed to in way or another extending the process by asking for documents 2-3-4 times. They also after an inspector of the Banks choosing measured our house at less than 400sq ft than the previous 4 measurements done in the past 10 years. They colluded to try to get CD and other types of loans against the house and forced us to open an account in their bank to proceed with the loan origination. My credit has been decreased because over the course of the 5 months the checked my credit score over 8 times. We are current mortgage holders of this bank, so we were perplexed at how the process moved since it was so smooth 8 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : American Express ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXXXXXX ( Bank ) XX/XX/2021 American Express ( Bank ) XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The interest rates are ridiculous. I 've asked for financial help multiple times and they offer nothing. Private loans are the worst! I can not repay the amounts when the interest is ridiculously high. Highly irritated with the bondage of private loans.
Product: Debt collection

Oliphant Financial , LLC. is trying to collect a debt from me that is not mine. I have been a victim of identity theft. The original account held with XXXX XXXX XXXX XXXX opened in my name using my information for a LOC for {$14000.00} on XX/XX/XXXX. The account was then charged off with a total amount of $ XXXX I found out about the issue on my credit report, I filed a police report on XX/XX/XXXX and the account was removed from the credit reporting agencies shortly after. I was then sued for the debt and have not been able to explain to the court that I was a victim of identity theft. 

I already have a default judgment put in against me because I thought I was going to be given a court date to present my case in front of a judge which did not happen. I submitted a small claims case against Oliphant Financial on XX/XX/XXXX after I was served by their attorney on XX/XX/XXXX. During the hearing of my small claims case ( XXXX ) on XX/XX/XXXX against the debt collector, I was told I could not file a claim against a case that had already been decided in another court. However, when I submitted the small claims case on XX/XX/XXXX, the case had not been decided yet. The default judgment was filed on XX/XX/XXXX and entered/issued on XX/XX/XXXX. I had no opportunity to defend myself as a victim of fraud and identify theft. I want Oliphant to show evidence of their ability to collect on this debt from me, i.e. a signature, proof of using the funds, etc. By request, I have submitted my police report, FTC report, and FTC affidavit to Oliphant in hopes they would resolve this but it doesn't seem like that is the case.