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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent ExperianXXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responed with a letter included with my credit report stating it was " verified '' through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX  XXXX could not verify this item so they deleted it from their database. 

I then went back to Experian/XXXX on XX/XX/21 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this unverified item which is imploding on my ability to purchase a home and causing me to pay thousands more in intrest every year. 

This item needs to be deleted from my credit report if itcan not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isnt my first complaint/review. After several disputes and attempts to reach XXXX I got an email from them AFTER ( 4 years of avoiding and not returning my calls ) I started assessing law firms to take my case. I brought this concern up with two of the law firms, and now they wont reply. I can only presume that ethical laws were bootleg and my information and intent was shared with XXXX ... which invoked the email. 

XXXX XXXX XXXX, a corrupt company that XXXX XXXX with, has violated my personal rights via the following acts : the Fair Debt Collection Practices Act ; the Fair Credit Reporting Act ; the Civil Rights Act of 1866 ; The Fair Housing Act ; Americans with Disabilities Act ; and the The Equal Credit Opportunity Act.

I have, Under FRCA 611 ( a ) disputed the completeness and accuracy of the information being reported to all credit bureaus. Per the formal investigation process under FRCA 611 ( a ) ( 2 ), the following is suppose to take place by law, yet Experian has already responded with Carter Youngs inaccurate response. The process states that, all relevant information regarding the dispute is to be sent to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your re-investigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true re-investigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

As you may guess ... NONE of these laws have been adhered to by XXXX, and I will need to take further action towards the bureaus that have not followed the law. 

This is an update on an ongoing process. Carter-Youngs email started that we should talk ... lets find a solution. The solution is to follow the law and due diligence of the process. I am not certain that XXXX knows that XXXX XXXX XXXX filed this inaccurate account, was paid with federal funds by the Department of Veteran Affairs and the Military Family Relief Fund ( MFRF ). Paid the lease out 19 days XXXX prorated ) in advance, which they did not return the fund or deny them. Only a month later, I got a erroneous bill, after I had already received my checkout list and deposit amount owed. 

I can only presume that XXXX  knows and is enabling, reinforcing, and complicit in breaking the law.
Product: Credit reporting or other personal consumer reports

I have had a seurity freeze since XX/XX/XXXX, but Equifax has allowed a new inaccurate trade line from XXXX XXXX on XX/XX/XXXX. Equifax acknowledges it should not have been placed since I have the freeze in place. However, they will not just remove it. Equifax said, I have also file a complaint with The FTC inaddition to the dispute I filled.
Product: Mortgage

I purchased my mortgage in XXXX XXXX. I XXXX my husband applied to get a mortgage in his name. The same property and the same d the mortgage company, BB & T. Everything was going good until a few days before closing and the mortgage company called sayig that they could not do the loan because our home was not attached to the piece of property. I called and the loan officer did not think that the company already carried the mortgage. I gave him my account number and he quickly got off of the phone. Later that week I received an email asking if I could provide the vin number because the bank could not pull the correct title. I did not give the vin number. I went to the Dept of Motor Vehicles and found out that my home had never been titled in my state of SC. I proved the squatter law and had a title issued in my name to me. The mortgage company put us in default for not attaching the home to the land. We recieved the first XXXX XXXX in XXXX XXXX and then we didnt recieve anything until XXXX XXXX for a final decision hearing. We went and proved the bank wrong but no one would listen to us. The Special referee ruled in favor of the bank and we went to forclosure auction on XXXX XXXX, XXXX. I was the highest bidder but now I have to pay my bid to save my home.
Product: Mortgage

I was granted my house in my divorce and on XX/XX/2022 I emailed the mortgage company my divorce papers showing that I had been awarded sole ownership of the house. I also emailed a transfer of deed showing that my ex husband had transferred the deed to me and that any escrow surplus was to be paid to me only. Since the mortgage was in his name only the mortgage then contacted me to advise me that after the legal team had reviewed the documents that now they could speak to me as the sole owner. I requested and was given a payoff balance on the loan and on XX/XX/XXXX transferred funds to payoff the loan in full. At the time the loan was paid off the escrow balance was XXXX. After not receiving the check I contacted the mortgage company and was told they had issued the check on XX/XX/XXXX and I would have to wait 30 days before they would reissue a new check. At this time I was also told that the check had been issued in my ex husband 's name and mine only as stated by the divorce papers. I was told it would be reissued in my name after the 30 days and would take 10 to 15 days for me to receive it. After not receiving the check, I called on XXXX XXXX and was told the check was never reissued. 
I called the company again on XXXX XXXX and was told that the dept. that issues the checks would make a decision on XXXX XXXX regarding reissuing the check. I asked to speak to a supervisor and was told it would take 48hrs before they could get back to me I told her that was unacceptable and I was then transferred to someone on the escalation team I was told it would now be assigned to a case manager and someone would reach out to me in 3-5 business days. On XX/XX/XXXX after never hearing from anyone I called again and was told they are backed up and it would take another 3-5 days for the check to be issued and due to the delays, I requested that it be overnighted. I also requested they email me a satisfaction or release of lien which I had never received when the mortgage was paid off. 
On XXXX XXXX I contacted and asked for the case manager ( XXXX XXXX and was told he was out on vacation for the day. On XXXX XXXX I called and XXXX was gone for the day. I expressed my frustration and was told a supervisor would call in 24hrs. On XXXX XXXX I missed their call and when I called back I was told no supervisor was available but they had just called me to tell me that it had been sent to the legal team so they could determine if the check could be issued in my name only. I explained to them that the court documentation regarding this had previously been sent back in XXXX. 
On XXXX XXXX I was told again no supervisor was available but someone would reach out to me in 24-48hrs. I asked can't they check with the legal dept. and was told they can't call or email the legal dept. On XXXX XXXX I was told they were still waiting on the legal dept. XXXX XXXX and contacted and was told they are still waiting. 
I have been more than patient, but as of today, XXXX XXXX, I am still being stonewalled!
Product: Credit reporting or other personal consumer reports

The accounts should not be listed on my report. 

XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX collection account. 

I have sent police reports and ftc fraud affidavit to the companies directly as well as the credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX approved a {$20000.00} line of credit loan in my name to an imposter using my Social Security number, name, and XXXX. They ignored the fact that the criminal provided out of state identification with an address that did not match any on my credit report. Not even in the same State. They did not require any proof of residency at the current residency address on the credit report. They did not attempt to verify the falsely provided address as valid even though it was an obvious red flag. They did not verify any other information provided by the criminal. They did not verify the phone number provided as valid and not belonging to the applicant. They did not verify employment or income. They blatantly ignored all obvious red flags. They simply saw an extremely high credit score and approved the loan. XXXX XXXX XXXX isn't providing any answers, apologies, or explanations as to how this could happen when it was so obviously preventable with even basic safeguards by them. They refuse to submit a retraction of the false credit inquiry until I do all the legwork to prove the fraud, even though they admit a crime was committed. I have to prove that I am legitimate, but the criminal didn't have to prove his identity even though an unexplainable address discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

/On XX/XX/XXXX I requested that the company provide me method of verification of items that are on my credit report. As of XX/XX/XXXX there are 2 items listed on my report they refuse to provide this information. They Said on XX/XX/XXXX, that they do not provide dispute verification. I think they are confuse with what I am asking, so I will quote what FCRA, Section 609 a ( 2 ) requires credit reporting agencies to disclose the source of the information being reported or delete it. In reference to the 2 bankruptcies listed on my report they said they got public information fromfederal bankruptcy court. this a problem, because the bankruptcy court says that they do not provide information to Transunion directly. They said that they do not have any records of them contacting them and public records can be access on many applications and they can be inaccurate. The court made clear they do not report to credit reporting agencies. FCRA, Section611, paragraph ( 6 ) ( B ) iii regarding procedures and investigating states if requested by consumer, a description of the procedure used to determine the accuracy and completeness of information must be provided to the consumer by the reporting agency, this include business name and address of any furnisher. As of XX/XX/XXXX the company has not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00}
Product: Student loan

My student loans were included in my bankruptcy discharge in XX/XX/XXXX. I made Great Lakes aware of the incorrect reporting in XX/XX/XXXX, and I was given the instruction to fax over my discharge paperwork and that it would be corrected. I faxed over the documents. When I started getting collections calls, in XX/XX/XXXX I called and was instructed to email my documents to an unsecured email and it would be looked at. I sent the email, no response. Again, collections calls started in XX/XX/XXXX, and so I called in requesting a supervisor, explained my situation and was told that they never received the documents. The supervisor XXXX then proceeded to tell me how they only had one document from me and when she explained what the document said and my correction of her understanding of what that document was, I emailed my discharge paperwork for the 3rd time. Verifying that it was received and was informed that it has to be forwarded. I explained that I expected a resolution and would be filing a complaint for the mishandling of my account which is causing my debt to reflect $ XXXX more than it should and the carelessness and unresponsiveness of that company if I hadn't heard back. Now a week ago, in XX/XX/XXXX the collections calls have started again and after explaining things for the 4th time is like to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Consumer Loan

On XXXX XXXX, 2015 we opened an auto loan with GM FIANACIAL. For an additional cost we purchased Gap Insurance. On XXXX XXXX, 2015 the auto was involved in an accident which resulted in a to loss claim My auto insurance as well as GM were notified. In XXXX I started receiving collection calls and also a billing statement that stated I owed {$1000.00}. The statement also declared a remaining balance of {$5500.00}. When I called about the {$1000.00} GM stated that the ck they received from my car insurance was applied to the principal. Therefore since the loan was not completely paid off I owed {$1000.00} in late payments .XX/XX/XXXX Gap paid toward the loan the amount of XXXX. This resulted in the balance remaining. Spoke with Gap they said they came up with the figures based on the GM payment history .I then spoke with GM again and they said that until my account was paid in full and closed that I would continue to be charged monthly.On top of that they turned my husband and I into the credit bureau which made our scores go from fair to poor.We did n't even know this until we went to try and get a loan for another car.Furthermore they still had not correctly updated ourinformation on our cedit
Product: Payday loan, title loan, or personal loan

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719,1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This company has committed fraud and required payments as well as fraudulently attempted to accept them when federal law states and is PROOF that ALL debt is due to the United States which wouldnt require me by law to owe ANY DEBT to CAPITAL ONE, according to 18 USC 8 which states The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. which is furthermore PROOF and FACTS that my complaint against this company CANT BE REBUTTED and is also PROOF this company is or has been committing a crime since the first payment was made or is currently being demanded to pay a debt claimed to be owed by me.
Product: Debt collection

My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. 
And is now reflecting as a collection account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a auto loan with XXXX for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by XXXX XXXX XXXX XXXX. I recently applied for a loan ( not XXXX ) and noticed that there were some inaccurate information being reported by XXXX on XX/XX/XXXX to ( XXXX, Experian, XXXX  ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with XXXX bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/, 2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that XXXX XXXX removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

XXXX Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IVE DISPUTED THIS ITEM NUMROUS OF TIME ON MY CREDIT REPORT. 
XXXX XXXX XXXX IN aCCOUNT NUMBER XXXX. IVE ASK THEM TO VALIDATE THE DEBT, IT IS NOW DAY XXXX, AND STILL HAVENT HEARD ANYTHING FOR THEM. SO IM ASKING THAT THIS ITEM BE REMOVED.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint with Experian for disputes I filed through their website. They were not handle in proper manner after 40 days. The account still remains on my credit report it's been over 7 years.
Product: Mortgage

I have mortgage insurance on my mortgage loan and now have the funds to lower my loan to an amount acceptable to remove the mortgage insurance. I have been trying to get the mortgage company to comply with removing it but they continue to give me the runaround and will not help to get this resolved. I attempted to start this process in XXXX of 2015 and have made no less then XXXX calls to them including emailing a form document they requested to have this removed. I then called on XXXX and spoke to XXXX and XXXX ( the supervisor ) for 57 minutes before they assured me I will receive an email outlining what I need to complete so they can remove the mortgage insurance. I never got that email. I then call back on XXXX and spoke to XXXX. Again 33 minutes later she assured me she would forward my information to the loan department and I would get a call back that same day. I never got a call back. It is very frustrating as if I owed them money they would be calling me 5 times a day to get paid but because this it something to benefit me they are refusing to help. This is very unfair as I have the funds to pay in to get it removed but I can not get a straight answer.
Product: Debt collection

Company called and tried to explain that i need to validated debt. The agent/rep was rude and didnt want to hear what i had to say. He continued to ask me for money with out any validation of the debt. 
{$3600.00} on or around XXXXXX/XX/year>