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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( XXXX ) XXXX XXXX presume that no proof ofmthe alleged debt. nor therefore any such debt in fact therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Former Address XXXX XXXX XXXX XXXX, SC,XXXXFirst Reported XX/XX/XXXXLast Reported XX/XX/XXXXWe/I have never had this as our address. Our XXXX XXXX address 's : Former Address XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXXFormer Address XXXX XXXX XXXX XXXX, SC, XXXXFirst Reported XX/XX/XXXXLast Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Conn 's Home Plus Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the Conn 's web site. This is also being reported incorrectly to XXXX   and XXXX.
Product: Mortgage

Complaint Against Amerisave Loan Corp Issues with HELOC and Conventional Mortgage Application Introduction In XX/XX/year>, I approached Amerisave Mortgage Company, intending to secure a Home Equity Line of Credit ( HELOC ) and a conventional mortgage. The initial interactions appeared promising, but the subsequent process was fraught with issues that needed to be addressed. This complaint outlines the complications and lack of proper communication during my application process. 
Initial Inquiry and Deposit Upon contacting Amerisave Mortgage Company, XXXX XXXX, the Mortgage Banker, reviewed my information and confidently informed me that I qualified for both the HELOC and the conventional mortgage. Based on this assurance, I provided a deposit of {$1000.00} to process the loans. My loan numbers are XXXX and XXXX. 
Issues During Processing Misclassification of Income as Debt As the processing moved forward, it became evident that there were significant issues with how my financial information was handled. XXXX informed me that the processing company had incorrectly classified my income as debt, which caused significant considerablend delays. 
Credit Score Concerns Additionally, the processing team claimed that my credit score was insufficient for the loans, contradicting XXXX 's initial assessment that everything looked favorable. This inconsistency was puzzling and added to the growing concerns about handling my application. 
Tax Return Extension During this period, I had an extension on my tax return, which I considered might be contributing to the hold-up. However, the processor did not communicate or confirm this aspect. 
Excessive Information Requests The loan processor, XXXX XXXX, repeatedly asked for more information without adequately explaining the reasons for these additional requests. This lack of transparency created frustration and a sense of being overwhelmed by the process. 
Communication Failures One of the most significant issues was XXXX XXXX 's lack of timely follow-ups. Despite my numerous inquiries and requests for updates, I did not receive prompt responses, which exacerbated my sense of uncertainty and dissatisfaction. 
Ongoing Issue This problematic experience has been ongoing since XX/XX/year>. Despite the passing months, the issues remain unresolved, and I find myself in limbo concerning my loan applications. 
Contact Information - Mortgage Banker : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conclusion In conclusion, my experience with Amerisave Mortgage Company has been deeply unsatisfactory due to the mismanagement of my financial information, inconsistent communication, and lack of transparency. I urge the company to address these issues promptly to restore my confidence in their services and to ensure that others do not face similar frustrations.
Product: Mortgage

I am writing to request correction of the error in my escrow account with Planet Home Lending. I have contact Planet Home Lending on XX/XX/XXXX and XX/XX/XXXX explaining in great detail their error involving my escrow account. I related that my property taxes from my county is paid ( 2x ) a year, which Planet Home Lending can easily view from my previous payments over the 10years that I have been with them. Here is the problem my property taxes were paid by Planet Home Lending for the 1st installment in XX/XX/XXXX and the 2nd installment was to be paid in XX/XX/XXXX. I come to find out that during the period before the 2nd installment was supposed to be paid my count had re- assessed the property and the 2nd installment was XXXX, therefore the 1st installment of XX/XX/XXXX has covered the entire re-evaluation for the year. I tried to explained this to Planet Home Lending and they refused to believe that my property taxes were paid in ( 2 ) installment, but ( 1 ) and would not call my county to verify. They withheld my escrow refund for the my 2nd installment of XXXX and my payments has increased due to them saying I had a escrow shortage and I have been paying over in escrow and monthly payments. This is unacceptable for a mortgage company to do this a customer or customers and has cause me great stress and anxiety of paying more than what I supposed to be doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

How is this possibly legal. Document Upload.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX DEPT of Ed/XXXX XXXX XXXXXXXX Dept of EdXXXX XXXX XXXXXXXX Dept of EdXXXX XXXX XXXXXXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dept of EdXXXX, # XXXX Dept of EdXXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/XXXX XXXX XXXX Dept of EdXXXXXXXX, # XXXX Dept of EdXXXX XXXX # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Found out near the end of XXXX that my Experian credit score tanked by XXXX points. A possible result for the decrease was from an opened credit account in XX/XX/XXXX that opened for 2 years and ended on a late payment of 120 days in XX/XX/XXXX. 

From my best recollection, I was not physically in the United States for longer than 20 days, and am unable to open a credit account as I did not have an SSN and only visited the US as a dependant with my family using a visitor visa before XXXX. 

From this, I believed it to be a mistake or fraudulent account and attempted to dispute this with Experian, I received a result from Experian on XX/XX/XXXX stating that the dispute had been denied as XXXX presented " evidence '' and certified that the information was accurate. 

I was guided to find the " evidence '' from the company that reported the information " XXXX '', and attempted to do so in person at a local branch. The investigation was escalated to the Texas main branch of XXXX, but the personnel stated that they could not find a record of the said credit card account being opened or closed from XXXX. 

I brought the new information to Experian with a new dispute claim and requested a review, requesting the evidence that XXXX would show to Experian to refute my dispute. 

The result from Experian on XX/XX/XXXX was various other records from my credit history being removed, however, the Credit Card account has not been removed. They also did not provide any information on what evidence XXXX used to certify that the information was accurate.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX 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

Unauthorized credit inquiries on my credit report, I have spoken with XXXX XXXX, and Experian about these inquiries and they failed to do anything. I have also submitted several disputes via online and nothing still has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries in report that do not belong. I have tried disputing them and Im getting nowhere.
Product: Debt collection

I disputed a collection company by the name of diversified and they removed it over a month ago cause they could not validate the debt. Last night I checked my report and there is another debt collector by the name of credence resource manage on there saying I owe them. Which they did not notify me that they were going to put back on the debt.
Product: Debt collection

Tek Collect XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Originated from XXXX XXXX XXXX XXXX stating a balance owed of {$640.00} with a highest balance of {$790.00}. All billing statements issued to XXXX XXXX was for {$120.00}. 

Date reported XX/XX/2024, Age of Account is 1 year, 6 months Information was requested over 2 months ago and company has not responded. I requested original statement from the billing party showing all balances owed and yet to receive any type of response and requested this issue to be resolved.
Product: Vehicle loan or lease

hi i am requesting a copy of my retail installment contract including all documents signed the date of transaction, to see if repossession was lawful and legal thanks i need the itemization of the amount financed, on XXXX XXXX XXXX XXXX XX/XX/11 i called the bank and asked and was hung up on XXXX times due to the fact the XXXX who answered the phone didn't like what i said when i have a legal right to this information to please stop being XXXX  and send me my proper paperwork, OR if i never received the itemization of the amount financed i believe that would make the transaction default and none compliance with the TRUTH IN LEND ACT thanks please don't be XXXX
Product: Debt collection

This company has reported a debt to the credit bureaus even though law states I have a right to verification first. I have requested validation for this debt on XX/XX/18 and have yet to receive this. Yet they put it on my credit. Under the Fair Credit Reporting act a debt can not be reported untill it has been properly verified. This would be the second time this company has violated the law with me.
Product: Mortgage

Process began for refinance with XXXX XXXX XXXX late XX/XX/2021, it is now late XX/XX/2021 and no progress has been made. I have had three different processors working on this file and each person ask for the same information that has been uploaded to their portal. Furthermore each piece of information requested has been supplied and then another document is requested. The lack of consistency and clarity has made this experience horrible. 

The process has taken so long that my original Termite inspection has expired and I had to get a subsequent inspection completed. 

The company realized that the file was sitting up and has assigned this to a Task Force Processor which has been on the case for a month or so. This latest processor is where the lack of clarity comment enters. Its the bread crumb effect that has ruined the entire process. The bread crumb effect, is where the customer provides a requested document and then another request comes followed by another and the trail never ends. The constant response is the Underwriter, well I havent had this much of an issue when I made the purchase. I want a cash out refinance.
Product: Mortgage

This is yet another complaint filed against nasty old Bank of America who has been trying to take my properties under completely false pretenses and your files are FULL of all the XXXX I have been through with Bank of America these past FIVE ( 5 ) years and copies even faxed to the supposed head of CFPB XXXX XXXX who never ever replied to faxes and Emails : (. 
I have now sent a SECOND REQUEST under RESPA and the Department of Justice now has a file and is supposedly looking into this matter. Sent out certified XX/XX/XXXX and NO reply with the requested information as of today XX/XX/XXXX other than they are working on it ( XXXX loan B of A supposedly services and XXXX B of A recently and allegedly assigned to another really bad company in XXXX , XXXX . 
I finally got the money together to bring current the loan on XXXX XXXX XXXX and first sent a check to their XXXX Office which they subsequently returned since I had written on the check " Paid under protest ''. They said the funds now had to be certified funds. 
I then wired funds through my bank XXXX XXXX with another payment and late fee through XX/XX/XXXX so the total was {$41000.00} paid XX/XX/XXXX at XXXX to my account that has been set up with Bank of America and XXXX XXXX for the past few years and account number XXXX. I confirmed this with XXXX XXXX today and they confirmed my account as correct and confirmed the payment. 
We just got notice today that Bank of America rejected this account and said the account is the wrong account!! I know they are trying to wrongfully foreclose on this property just as they finally did on XXXX XXXX XXXX with the forged, fabricated, and phony documents that their crooked lawfim of XXXX XXXX completed on XX/XX/XXXX and even violated Colorado law with a very low bid of {$140000.00} when they had sent me an appraisal ( their opinion of value earlier in the year at {$270000.00} to insure they would not get title to a property they have NO claim against. 
There is even a phony alleged assignment of this note executed in blank by a known " robo signer '' that was done XXXX/XXXX/XXXX with known robo signer XXXX XXXX in blank for XXXX ( XXXX never had any officers ) and recorded in XXXX County. 
I have stacks of files that prove without question that Bank of America never had control of these loans when they allege they purchased Countrywide and all this harassment these past FIVE ( 5 ) years is completely bogus and fraudulent and many recent court cases are finally starting to discover. Please help me as these XXXX are scamming XXXX people and have wrongfully taken XXXX homes they had NO claim to whatsoever. Please follow your recent guidelines where you are supposed to be helping people like this XXXX year old XXXX Veteran. PLEASE this is NOT right.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX TX XXXX
Product: Student loan

Navient emailed me " let 's get on track. Payment is due. '' on XX/XX/2022. This is inaccurate. They told me I need to call them and reach out about making a payment on my account. Federal Student Loan repayment re-starts in XXXX. So why are they emailing me and making me think I need to start paying them now and that I am already late?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has verified my correct name address and personal information. 
My name is only XXXX XXXX XXXX and my address is XXXX  XXXX XXXX XXXX LA XXXX. 
They have refused on all accounts to remove this inaccurate information from my consumer report after over 15 calls plus letters. 
They have on my Consumer report that I'm also Known as XXXX XXXX and I also live at XXXX XXXX XXXX XXXX XXXX LA XXXX. 
They also have me also known as XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX LA XXXX.
Product: Credit card or prepaid card

I saw an advertisement of 4 % APR from Wells Fargo Bank and asked them why they don't offer 3 % APR> They emailed me back that I do have 3 % APR. Then I requested {$30000.00} seeing 4 % APR and thinking that I'm eligible for 3 %. They didn't refund the APR - charges back
Product: Payday loan, title loan, or personal loan

Honda Financial Services dba AHFC absconded my vehicle on XX/XX/XXXX and XXXX   were informed. This was a holiday weekend so on Tuesday, XX/XX/XXXX I contact AHFC @ XXXX spoke with their representative and I stated : " this was my first time ever so what did I need to do to get my vehicle back? '' Their employee stated : " I would have to make a payment for the remainder of the loan, including repossession cost and for the title of the vehicle in the amount of {$25000.00}. '' This is on a recorded conversation. There was no deadline date mentioned. I agreed and accepted those terms and sent them a " tender of payment '' in the amount that was asked for. {$25000.00}. Called to verify if payment was received several times. They had transferred my vehicle outside of New York State, sent off to another location somewhere in Pennsylvania, claim no payment was received or posted and I had missed the " deadline date. '' Yet, HONDA still asked for payment in full. I resent the payment and verified by tracking numbers : XXXX, XXXX, XXXX and XXXX, verified " DELIVERED '' at both business locations in XXXX, Delaware and in XXXX, California where the Chief Financial Officer is located, including payment sent to the IRS. Payable to the order of : UNITED STATES TREASURY. HONDA has not honored the agreement and I still don't have my vehicle. The terms for the lease agreement changed when they accepted the " tender of payment '' made within a 16-month period and chose to close the account 25 months earlier than agreed upon as stated on my credit report. The " Right to Cure '' never took place. HONDA proceeded to repossess my vehicle, for the terms of the lease agreement had ended but, a new contract made by HONDA. The new contract was made for the remainder of the balance of the loan, the repossession cost and title in the amount of {$25000.00} and they received it. The full payment for the title as they requested on XX/XX/XXXX was met. Payment was sent in a timely fashion and HONDA has dishonored the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXXXXXX XX/XX/XXXX. Both stated they received no scores from XXXX, XXXX, and Equifax. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!
Product: Credit reporting or other personal consumer reports

REF XXXX IM FILING THIS COMPLAINT AGAINST DIVERSIFIED ADJUSTMENT SERVICES. THIS DEBT COLLECTION COMPANY IS CRUEL RUBBED VIOLATED MY RIGHTS.

THIS COMPANY HAS VIOLATED THE FCRA LAW.

THIS COMPANY SENT ME A ALLEGE DEBT FORM FROM XXXX TO COLLECT A DEBT. ACCORDING TO THE FORM STATING TO SEND IT BACK BY XX/XX/2023 TO DISPUTE THE DEBT. 

AFTER I HAVE RECEIVED THE LETTER, I FILLED OUT THE FORM BY I WANT TO DISPUTE THE DEBT BECAUSE I THINK THIS IS NOT MY DEBT AND SEND IT ON XX/XX/2023 back. THE COMPANY RECEIVED MY LETTER ON XX/XX/2023 TRACKING NUMBER XXXX. 
HOWEVER THE COMPANY WISHED TO REPORT THE COLLECTION EVEN BEFORE THE ORGINAL DATE WHICH WAS XX/XX/2023. THE COMPANY REPORTED THE COLLECTION ON XX/XX/2023 VIOLATED MY RIGHTS. 

AS OF TODAY ANOTHER DEBT COLLECTION COMPANY SOURCE RECEIVABLE MANAGEMENT HAS REPORTED TO MY CONSUMER REPORT. 

15 U.S.Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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. The information is, in fact inaccurate.

violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of informations, and 15USCode 1681q Obtaining information under false pretenses. ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

YOU WILLFULLY KNOWINGLY REPORTED THIS COLLECTION TO THE CONSUMER REPORTING AGENCIES TO HARM ME. ITS OBVIOUSLY SHOWING THAT IT WAS DONE. 
I WILL SUE YOUR COMPANY FOR VIOLATING MY RIGHTS.