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

On XX/XX/2020 I submitted a complaint to cfpb in regards to Experian reporting an inaccurate bankruptcy on my credit report. In Experian 's response that they mailed to me on XX/XX/2020 they stated that they verified the bankruptcy information with XXXX XXXX. However on XX/XX/2020 I received documentation from XXXX XXXX that they have deleted the inaccurately reported bankruptcy from their credit files. So how is it possible that Experian verified this information with XXXX XXXX if XXXX XXXX deleted this inaccurate information from thier files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) P.L 90-321 ( 82 Stat. 146 ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of Congress ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information.

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes.

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records.

Thank you for your understanding and cooperation.

Summary of Laws that support my requests> 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

In Accordance With the Fair Credit Reporting Act XXXX Account # XXXX, Has Violated My Rights. 

15 USC 1681 Section 602 States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions.

15 USC 1666B : A Creditor May Not Treat A Payment On A Credit Card Account Under An Open End Consumer Credit Plan As Late For Any Purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

I have been trying to get Guaranteed Rate to approve my property tax exemption for being a XXXX XXXX XXXX veteran since last year. I have sent them my approval letter from the XXXX XXXX Department XXXX XXXX multiple times. I am still being charged for my property tax in my mortgage payment. Also, I was overcharged at the 6 % property tax rate last year ( XXXX ) but approved for 4 % and have been struggling to get them to refund my overpayment. The XXXX XXXX tax office sent the overpayment check back to XXXX XXXX  services for Guaranteed Rate and has been cashed. Guaranteed Rate has now notified me that they have raised my mortgage payment to pay back the shortage amount I already overpaid at the 6 % rate. 

Their response on XX/XX/XXXX, is... 
In reviewing your account, noted and speaking to our XXXX Department, you were approved for XXXX acre and XXXX building. The tax lines have been adjusted, no other changes are needed. Effective XX/XX/XXXX, your payment is {$3100.00}. With a shortage amount of - {$2800.00}.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently purchased a copy of my consumer credit report and learned that I have several unauthorized hard inquiries hurting my credit file. I did not authorize anyone to mis-report or fraudulently use my social without my CONSENT for any PURPOSE. These hard inquiries should not be on my credit 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 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

XX/XX/XXXX XXXX XXXXXX/XX/2022 XXXX hard inquiries that needed to be deleted i was not aware or approve this transaction. please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update your records it's been way to long to have this account as still open when it is NOT. Your failure to update is costing me with a higher debt to income ratio XXXX Bank XXXX XXXX was paid off a while ago and should reflect a XXXX balance XXXX  credit card balance is also NOT accurate as well
Product: Vehicle loan or lease

On Friday XX/XX/XXXX I agreed to purchase a XXXX Certified Pre owned XXXX XXXX from XXXX XXXX in XXXX, XXXX XXXX XXXX our salesman, informed us that dealership advised that the best deal they could give us was to finance the vehicle at 7.9 % APR with Wells Fargo XXXX This was a pre-approval. As a result, we informed him, on that day, Friday, XX/XX/XXXX, that we would get XXXX XXXX XXXX XXXX ( NFCU ), our credit union, to do the financing. At approximately XXXX, XXXX introduced us to a representative in the financial services department named, XXXX XXXX XXXX was responsible for the contracts and paperwork. We advised XXXX that we would finance through XXXX XXXX XXXX XXXX ( XXXX ). He, stated, OK, but in order for you to drive off the lot with the car, I will need you to fill out a series of forms until you get XXXX XXXX to agree to financing. I filled out the paperwork and they gave us the keys. We got home at around XXXX AM on XX/XX/XXXX. In less than 12 hours ( i.e., XXXX, XX/XX/XXXX ), I went into XXXX and the representative at our credit union told us to call, XXXX XXXXXXXX XXXX and find out if I needed to refinance or just get a regular auto loan. It was confirmed with XXXX that we could just do regular auto loan financing because, it was late, it is the weekend, and no paperwork will be sent off, we can just void everything. Just give us a check for {$25.00}, XXXX. By noon give or take an hour, on XX/XX/XXXX, I secured a Finance agreement with XXXX for the XXXX XXXX XXXX at 6.9 % APR financing on a car loan for {$25.00}, XXXX. The XXXX representatives handed me a check for {$25.00}, XXXX made out to XXXX XXXX XXXX for the XXXX XXXX XXXX. I went back into XXXX XXXX with the check for {$25.00}, XXXX. I handed the check to XXXX, he had me endorse it on the front and the back and signed it off to XXXX XXXX XXXX. Knowing, I had purchased GAP coverage for {$1200.00} the night before ( i.e., XX/XX/XXXX ), I requested a refund for the {$1200.00}. XXXX refused and said that, if I give you {$1200.00}, I will have to request that you add {$1200.00} back to the balance of the vehicle because that cost was rolled into the price of the loan. This was invalid because I paid for that separately. Needless to say, by Tuesday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Wells Fargo that I entered into a retail installment sale contract dated XX/XX/XXXX in the amount of {$26000.00} for 72 months at a rate of 7.04 %. 
XXXX XXXX  XXXX took my {$1200.00} for Gap coverage that I did not need, {$25.00}, XXXX from XXXX XXXX XXXX XXXX and then, sent paperwork to Wells Fargo for {$26000.00} on a vehicle that was already purchased and paid for by me for {$25.00}, XXXX. Please remove XXXX XXXX invalid agreement from my credit record and have XXXX XXXX XXXX send me a check for {$1200.00}. I do not owe XXXX XXXX XXXX or Wells Fargo anything.
Product: Mortgage

Hello, my loan servicer Amerihome Mortgage ( XXXX XXXX XXXX, XXXX, NJ XXXX, tel : XXXX ) performed Annual Escrow Account analysis on XX/XX/XXXX. The analysis states " Your Projected Escrow Account Balance as of XX/XX/XXXX is {$2500.00}. Your Required Beginning Escrow Balance according to this analysis should be {$3000.00}. This means you have a Shortage of {$510.00} '' Amerihome also provided a table with their calculations, which show how they determined that the balance is projected to be {$2500.00} on XX/XX/XXXX. Since the analysis was done ( and the report was generated ) on XX/XX/XXXX, the table contained an estimated payment Amerihome expected to receive from me in XX/XX/XXXX. Nevertheless, the table was missing the estimated amount for XX/XX/XXXX, since my XXXX payment was done on time after XX/XX/XXXX. Had Amerihome included the estimated amount for XX/XX/XXXX ( {$640.00} ), the projected amount for XX/XX/XXXX would have exceed the required balance and there would have been no shortage. 

On XX/XX/XXXX, I called Amerihome and explained the problem as I described above. The representative created a ticket and promised that I would receive the result of the review of their calculations no later than XX/XX/XXXX in my email. 

On XX/XX/XXXX, having received no email, I called Amerihome to ask for the status of my ticket. The representative said that the review was performed and that they believe that their calculations are correct. He stated that I would not receive anything in the email showing the results of their processing of the ticket created per my report on XX/XX/XXXX. The representative could not explain why missing a payment for XX/XX/XXXX ( either actual or estimated, as in XX/XX/XXXX ) is a proper projection method. Instead, he offered printouts of past payments and escrow account balances, even though they are irrelevant to the projection techniques that Amerihome employs. Thus, unfortunately, I was unable to resolve the issue with the Amerihome. 

The issue with the projection method in Amerihome reported above became even more difficult to resolve because Amerihome suddenly notified me about my loan transfer to another servicer, which will honor Amerihome 's questionable calculations, with no knowledge or responsibility for wrong calculations. Specifically : On XX/XX/XXXX I received " Notice of Servicing Transfer '' from Amerihome in mail. The letter indicated that it was generated on XX/XX/XXXX. The new Servicer will be XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, tel : XXXX ). Both Amerihome and the new servicer confirmed that they are expecting my loan to be transferred on XX/XX/XXXX, and that the new processor will honor the questionable calculation done by Amerihome. 

Thank you!
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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

I moved out of XXXX XXXX apartments in XXXX of XXXX. I have an email thread from the property manager in XXXX that states my last rent check was due XXXX and that moveout was XX/XX/XXXX. After I had already moved out and into my current apartment I received a final bill on XXXX, very random and not timely at all on their part.. The bill broke down everything that was owed but was a little confusing to read so I responded to get clarification. At that time, a different person had taken over as property manager and I have a thread stating that I owed {$10.00} for some random service fee and that was it. Seemed odd that they would request such a small amount 1.5 months after I already moved out but I obliged. It's all detailed in writing in our email thread what I owed and that I paid it. I went in myself in person to drop off the check so that it wouldn't get lost and so nothing else would happen. I also wanted to be EXTRA certain that this was all I owed and that there weren't going to be any other surprise charges down the road.. they assured me I was good to go. 

Then, 3 months later I get a notification on my XXXX app that my credit score had dropped XXXX POINTS. I was very confused and did some digging and apparently my old apartment complex ( listed above ) decided that I owed them an additional {$500.00} and turned me over to collections without my knowledge back on XX/XX/XXXX. I have emails and bills and a bunch of other evidence that shows I don't owe anything and I have never received any correspondence of any kind from them after XX/XX/XXXX. I am worried this is a scam they pull to past residences thinking they can get away with it without taking any responsibility. I would like them to be investigated because their could be a lot of young people getting their credit scores crushed right out of the gate because of this places shady billing practices. I have never been turned over to collections before, but I feel like sending someone a bill XXXX weeks after they move out saying the owe {$10.00}, then confirming in writing that they only owe {$10.00}, then having that person pay them in a timely manner in person, where they ( again ) confirm that is all that is owed, then go behind that person 's back and turn them over to collections on a whim without any notice for {$500.00} without any proof or reasoning seems like it should be illegal or at least punishable by law somehow.
Product: Debt collection

Commenity Bank contact two of my family members to discuss a debt that I owe. When I contacted XXXX about this I stated that there were no other authorized people on the account but myself and that talking about my account with anyone but me is unauthorized. They stated that " since i wasn't answering my phone, that they had to think outside the box. 

They also stated that my phone was on their " do not call list '' so they couldn't call me. I never requested this. My phone is on the national telemarketer " do not call list '' and when I called them, the number showed as telemarketer on my phone. This is the only reason I can see. They are very abusive when a payment is late and it looks like they have landed themselves on blacklist phone number lists. 

Both of my relatives stated that the caller told them he was calling to collect a debt which led to my family members thinking i was in trouble. This us unacceptable behavior.
Product: Debt collection

On XX/XX/2019, Midland Credit Management Inc add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Midland Credit Management Inc has violated my rights as a consumer and now I request legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and discovered the following debt collection agencies are not license to collect alleged debt in the state of XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : Non listed According to Florida Collection agency laws : Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about the alleged debt, in accordance to FCCPA which Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX  or after XXXX XXXX, unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  aren't licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Product: Credit reporting or other personal consumer reports

This morning, I noticed incorrect accounts on my credit report with no apparent reason. I checked my credit report as I usually do and found unexpected discrepancies. I refreshed my browser to check for malfunctions, but the errors remained. Hence, I am requesting a thorough review of the documents I submitted to ensure this issue is resolved for good.
Product: Mortgage

In XXXX 2016 Planet Home Lending XXXX XXXX ( PHL ) aggressively pursued us to refinance our home ; we were not interested in a refi nor did we need to. PHL still pursued us. We finally opted to refi with PHL as they are our current home lender bought by our recent home purchase transaction. Our loan payoff amount at the time PHL contacted us in XXXX 2016 was approx. $ XXXX with a home valuation of $ XXXX that they made us pay {$500.00} up front in XXXX 2016 for an appraisal report. We responded with a roll-into amount of appx. $ XXXX that included student loands and XXXX credit cards. PHL responded with a 3.5 % APR for 30 yr fx. and that our closing costs would be apx. {$3500.00}. We accepted. We immediately complied with all submittal requirements to lock in that rate. We did not hear back from PHL for more than 3 weeks until WE pursued persistently for status updates. Once we finally made contact, we were told that the rate was never locked in but they would give us a new rate at 3.625. We were bounced back and fourth between several people who claimed to be managers ; none of whom returned our emails or phone calls. ( XXXX XXXX NMLS : XXXX XXXX, XXXX XXXX t : XXXX, XXXX XXXX ( the claimed Manager XXXXXXXXXXXX XXXX ). We have an extensive email trail of us trying to get answers and are happy to forward them all to you for validation! More than 3 months worth! 

It is now XXXX and all the rates and closing costs we were originally advised have since been changed. AND we are now told that our closing costs are more than {$11000.00}!! What? 

We have been violated, disregarded and ignored for over 3 months! Our credit report has been accessed ; we overpaid on 3 months of interest on our mortgage, credit cards and student loans and are now out {$500.00} for a home appraisal due to PHL 's incompetency! Our lives have literally been put on hold!