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

I have been submitting this CFPB complaint to request to the Credit Bureaus to request that Equifax remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. Under the FCRA section 605b, Equifax Credit Bureau is expected and required to remove any accounts and information that resulted due to my identity being stolen and used to open these items. Once again, I need the Equifax Credit Bureau to remove the following items as soon as possible : XXXX date of inquiry XX/XX/2021 XXXX date of inquiry XX/XX/2021. It has been a long time since I started disputing my Credit report from the reporting of the fraudulent accounts and information off my Credit File. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from the identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

On XX/XX/XXXX, I submitted a complaint with CFPB in regards to an old XXXX XXXX collection account that was discharged in bankruptcy. Ability Recovery Service responded on XX/XX/XXXX with " Consumer should be advised that this matter was closed due to bankruptcy and removed from all credit reporting bureaus in XXXX. We will conduct another deletion with XXXX. Do not dispute as it delays the deletion ''. 

On XX/XX/XXXX, this collection account is still showing on XXXX and you have failed to remove.
Product: Credit reporting or other personal consumer reports

my personal information was exposed in a data breach. name, address, social security number pursuant to 18 usc 8. I owe no debt. this company is violating my consumer rights to privacy pursuant to 15 usc 1681b 2. this company has no permission to report ANYTHING using my info pursuant to 15 usc 1681 4 XXXX XXXX XXXXXXXX XXXX XXXX XXXX bankruptcy I did not authorize these inquiries and therefore I am requesting that these inquiries be removed from my credt report. 
these inquiries were made WITHOUT my knowledge. 
Please remove these inquiries from my credit report and send me an updated copy once it has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I XXXX have sent Experian and XXXX  my ID social security number to verify my information. i have sent them valid police reports from me walking in to the police departmant i have file a FTC report with more then 20 Inquiries that the perpetrator did as i am a victim of identity theft. Please see my attached documents. Experian can not say that it was a company that filed this complaint. please submit my request. There has not been nothing independently verified but automated emails that say the same thing,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/, XX/XX/, and XX/XX/. The payment status reflects 30 days late with Experian and XXXX when the account is paid in full. It reflects current with XXXX. The dates of last payment are wrong - XXXX reports XX/XX/, Experian and XXXX report XX/XX/. XXXX and experian report XXXX as 30 days late, but current with XXXX. XXXX reports XXXX  as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/XXXX XX/XX/23, and XX/XX/. Nothing has been fixed. XXXX reports XXXX as 30 days late, but other two bureaus havbe current. Experian reports XXXX as 30 days late, but current with other 2 bureaus. XXXX reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX AND XXXX Account # 's XXXX andXXXX, 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Attached is the deletions from XXXX and the two credit reports showing the inaccurate accounts reporting From XXXX accounts XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.
Product: Mortgage

XXXX XXXX XXXX : XXXX Envoy Mortgage. & XXXX XXXX XXXX XXXX ID : XXXX In the process of buying my first house I was treated very poorly by both of these gentlemen. They were unethical, untruthful, harmful to my credit, and most of all did serious irreparable damage to my life. They did not at any point follow any XXXX rules or send any disclosures. They lied and said I was approved when I was apparently was not. They lied and said they worked together when they did not. They ran an incredibly excessive XXXX hard inquiries all on different days. XXXX handed me off to XXXX without my consent under the pretext that they were " co-workers '' and although XXXX had me approved XXXX had an approval that was less labor intensive. Once working with XXXX I provided him with all the required documents that were asked for and he had given my real estate agent an okay to close. 3 days before closing he sent out an email saying he could not follow through on his commitment. This is after both the seller and myself had already arranged moving, movers, and arranged contracts for living arrangements ( me moving out them moving in somewhere ). The biggest problem was the constant lies. I have kept all correspondence from them which was done entirely via email. I was never sent a single disclosure from either one of them. Although I was told I was approved and then later told not approved I never received anything in writing from either of them. Not a single disclosure of any form. The only document I received was a breakdown of the rate and terms of my approval that was much higher than what I quoted verbally in every way shape and form. The rate and fees were not even close to what I was quoted originally. The XXXX hard inquiries and pass off between brokers without my consent left my credit score vastly lower then it was when I started. I think this was done to reduce my score enough so they could justify charging me higher rates & fee 's. I ended up finding a lender on my own who was able to provide me with financing but the rate & fees were higher due to my drop in fico score specifically due to the excessive hard inquiries made by XXXX & XXXX. I have XXXX witnesses ( XXXX realtors, XXXX different mortgage broker, XXXX senior loan originator ) who were all involved in the process who not only can be reached to corroborate everything I have told you but suggested I report this. This did serious damage to me financially in many different ways. After being told your clear to close then 3 days before closing getting an email to even a phone call telling me it 's not possible led to XXXX, XXXX, and a scramble to find living arrangements. I also had to make a {$1000.00} concession on my original offer to sellers just to keep the deal together so the new lender could have time to actually put together the mortgage which was more expensive specifically due to the excessive inquiries made by XXXX XXXX XXXX.
Product: Credit reporting

I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX. this information is not accrete please take this out from my Credit Score ASAP Thanks
Product: Mortgage

According to the attached letter provided by US Bank dated XX/XX/XXXX, US Bank ceased reporting my mortgage on XX/XX/XXXX stating that they received notification of a Bankruptcy filing. However, as US Bank will find attached, the US Bank Mortgage account was re-affirmed and should be reporting in good standing on my credit report from the time US Bank became my servicer until the current date. I am sure that US Bank received these same documents in XXXX of XXXX and may have overlooked or disregarded them. This improper action has caused me financial harm, personal distress, and damage to my credit standing, score, capacity and general character. I believe the reaffirmation documentation attached that was provided by my attorney and that I had to pay extra monies for, should compel US Bank to report my mortgage as legally required by the courts and the Fair Credit Reporting Act.
Product: Consumer Loan

I feel I was advised by an Ally Financial employee named XXXX around XXXX XXXX, 2015 tht that I could turn my lease in 4 months early and be done with the lease free and clear. 
I called Ally and spoke to XXXX after I had received a letter from Ally asking me essentially how would I like to end the lease. When I spoke to XXXX I reiterated with her several times " are you sure all I have to do is turn the lease in early? '' and she reaffirmed that was the case several times or at least that was my perception. I have contacted Ally several times and spoke to many people to just listen to the tape of the conversation that they have around XXXX XXXX 2015 but to no avail. I keep getting a complete runaround from dept. to dept. with promises to look into the matter and call back only to find no response. My feeling is I was duped and defrauded into believing I could turn the lease in early with no further obligation and I am sure I 'm not the first one this has happened to.
Product: Credit reporting or other personal consumer reports

It's truly unreasonable that I've always made payments on time for this account and have never been tardy. Please ensure my account accurately reflects this.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NJ XXXX XXXX XXXX, 2015 My name is XXXX XXXX, and I am borrower for real estate closing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The closing took place on XXXX XXXX, 2015, and the closing had been delayed almost 2 months due to Bank of America loan officer and underwriter 's numerous mistakes. 
Further, although BOA loan officer has reassured me there will not be any penalties for the rescheduling of my closing, there was {$2800.00} fees on my closing which I never agreed ( see attached HUD, Page XXXX, Item XXXX ). 
No one informed me there will be " Adjusted Origination charges. '' Further, there had been discrepancies on Good Faith Estimates provided to me ( See attached GFE dated XXXX, XXXX, and XXXX ). 

1. GFE dated XXXX/XXXX/2015, there was charge of {$660.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$660.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Loan Lock Extend fee of {$660.00}. 

2. GFE dated XXXX/XXXX/2015, there was charge of {$1000.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1000.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$660.00}. 

3. GFE dated XXXX/XXXX/2015, there was charge of {$1500.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1500.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$1500.00}. 

4. On XXXX/XXXX/2015 closing, actual fee was {$2800.00}. 

Although BOA loan officer repeatedly advised me he will waive any penalties or fees, I paid {$2800.00} at the closing, and as of today, I have not received the refund check or further explanation from anyone. I hereby demand Bank of America to give me full refund of {$2800.00}. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Since obtaining the loan, I have had issues with payments being correctly applied to my account. I have received a check in a very small amount from overpayment ; however, since filing for bankruptcy in 2021, I have had my car repossessed twice and receive no communication from Wells Fargo. There has also been damages to the property as a result of the repossessions ; however, when reported, the office of the president refused to investigate. While in this loan, I have had to fight many late fees of which were not appropriate or due to circumstances that were not of my fault and I also believe that I have been overcharged in interest fees and payments not appropriately applied to principal balances. Both times my car was repossessed I was told by a representative that once my payment is over 80 days past due it goes to repossession ; however, now my loan is in charge off status and I am now being told that they will reposes and there is no time frame for repossessions as long as the payment is past due even 30 days, I am at risk of repossession. This is per representative XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting I owe {$4100.00} on my report I have sent serval affidavits but no response and should be removed because its not permissible its on all the credit reporting agency and its stopping me from buying a home for my family. And by law 42 U.S.C 666 Reporting arrears to credit Bureaus 15 US Code 1681 e compliance Procedures 15 US Code 1681 i Procedure is case of Disputed Accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this problem with XXXX  since 2019 then in XXXX other Hard Pull from Pay -Pal credit i have disputed it several times and i have Pay -Pal credit and ever time they say we send letter and have it deleted and mark it as Fraud well all of it was lie all my letters all my calls was for nothing MY last call i was to point, well i was to point .The rep got on he was smart moth young kid and i was not in mood but i didn't say nothing back i ask are you i Fraud dept he said no i said then i need to talk to someone in the Fraud dept he said you like that i said i would since you don't nothing but answer the phone .The rep said i just do that i said then do it the Rep made a mistake and hit the button and connected me Synchrony Bank i ask are you Pay-Pal credit she no i am Synchrony Bank can you fix my problem since i connect somehow she said yes XXXX, And i never told her my name? She XXXX i am really sorry for all this i really am. i ask what can you do because all i have got is lies she said i no XXXX she said but i can fix it i will delete it and all the files it take about two weeks to run threw the system and XXXX please forgive me i am truly sorry, I ask he how this happen she said you woulde n't understand XXXX Okay but i am sorry i said let me guess she said i got to go XXXX i said give minute this account was never opened by me i no that she said i no But who did XXXX you wouldn't understand. I said let me guess Pay-Pal credit opened it in my name and your bank allowed she YES XXXX i got to go what you your name since you no mine and you sound like they more to this XXXX i no you i said don't worry about that what your name she said XXXX and XXXX i got to go. that was end? little strange to me. So i looked and looked for name at Synchrony Bank at it was hard to find she not rep she works in the vise president in litigation 's and i wonder how come she was talking in room in low voice and it was her middle name, Pay-Pal is opening Fraudulent accounts using people Social Security Numbers they did this before, my guess to his taxes, assets and so on millions of people will be hurt for years to come and i am
Product: Mortgage

I refinanced with Freedom Mortgage in XX/XX/2016 in order to lower my payments. I went from paying {$1500.00} to {$1300.00}. This month my statement said my payments were {$1900.00}, up {$600.00} more per month. The statement further stated my escrow was in the negative {$4500.00}. I called 3X before finally speaking to someone who understood what was going on. The first 2 customer service agents said it was because my insurance and taxes were high and expected me just to pay it. I new that couldn't be right, I had money going into escrow every month. The 3rd person I spoke with found an error where Freedom Mortgage had paid my windstorm insurance twice. This extra payment was {$2100.00}. Half of the negative balance of my escrow. The are currently investigating where this money is since the insurance hasn't refunded the escrow. He then admitted that me that the under writer surely did the math wrong at the signing of the loan. 

1. Freedom Mortgage did the math wrong leaving me short with my escrow 2. They paid my insurance twice, {$2100.00}. Leaving me with an even more negative balance on my escrow. 
3. Didn't even call me concerning the drastic change in my payments, instead, they just sent me the hefty bill and expected me to pay it. 
4. The first 2 reps did not even help look for any errors. They just expected me to pay. 

Freedom Mortgage doesn't seem to know what they are doing. They make multiple mistakes and just expect the customer to foot the hefty bill.
Product: Payday loan, title loan, personal loan, or advance loan

Speedy cash is a predatory lender that added in extra fees and only applied payment to interests. I should have never been able to receive a loan. 

Company refused to allow early payment and continued to add interest once I requested to close the account.
Product: Debt collection

I am a victim of Identity Theft and have supplied the credit bureaus with the proper reports as well and placed locks and fraud alerts on my credit reports. I have never done business with security services or the company that they are attempting to collect on behalf of. I was notified of this account on XX/XX/19. They have failed to acknowledge my concern and notify the credit bureau that this needs to be removed. My rights under FCRA are being violated. I already am dealing with the identity theft in itself and on top of it, I know have this fraudulent company tainting my image.
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX XXXX, acct. # XXXX was opened on XX/XX/XXXX of XXXX. The company is reporting it as opened on XX/XX/XXXX. This is an incorrect reporting detail. 


In addition, the vehicle was repossessed in XXXX of XXXX. It was then charged off in XXXX of XXXX. The finance company reports that the last payment was made on XXXX, XXXX. This is a second reporting detail that is inaccurate. 

The third issue is that there is reporting of a missed payment in one section of the credit reporting, yet on another section it says that I've been on time with the payments 100 % of the time. 

Last, this account has been reported as open, then closed, and now open with a missed payment again.
Product: Credit reporting or other personal consumer reports

I have disputed the bankruptcies listed on my credit report a number of times. All credit bureaus claim it comes back verified as accurate. I have sent countless disputes letter demanding them to conduct a reasonable investigation they refuse. And send no information. The information related to bankruptcy they are reporting is related to identity theft. They are not conducting any investigations! If they truly conducted an investigation they could give me the source of the third party who is supposedly verifying this information. Sham investigations. My identity has been stolen and my information is being used that is not related to me! As well as the XXXX accounts listed that should have been removed. Dept of EducationXXXX have sent letters to bureaus about my accounts being removed due to the outdated information! They need to delete this information from my credit reports immediately!
Product: Credit card or prepaid card

On XX/XX/23 my auto pay payment of XXXX was processed 18 times and deducted from my bank account as well for XXXX they placed a restriction on my account for that I guess after they figured out it was a glitch in their system because their system would not allow a payment to be processed but every 13 days so they then have told me for a month I would be receiving my refund within 7 days for a refund. I still havent received any letter stating that they closed my credit card or anything. By the way all the payments cleared and now they are requesting proof that the payment was taken from my account. Since then I closed the bank account due to this happening. The payment isnt returned unpaid so I feel like thats proof enough they have the money. Also 2 months prior I had to send documents proving owner of account for my bank and they have those documents. I have the voicemail saved from their representative telling me my account was unrestricted and the documents were valid. Everything was fine till the overpayment then they said that the restriction was removed by mistake no it wasnt, anything and everything to stall on sending the refund. They basically told me they dont have to give it back.