23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a letter in the mail on XX/XX/21 stating that I was denied a Best Buy Credit card after applying for one. The reason was because a social security number that was provided did not match the social security number on credit bureau report. I had not applied for a credit card recently and have never applied for a Best Buy one. I had contacted XXXX about this matter and they told me my next steps to take were to report fraud via FTC.gov.
Product: Mortgage

Our taxes were inaccurately assessed by the XXXX  of XXXX and were reported incorrectly to the Cardinal Financial ( our mortgage company ) in XX/XX/2023.mortgage payment on loan XXXX XXXXXXXX for the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. The XXXX of XXXX had inaccurately assessed our property at the wrong tax rate, impacting our mortgage payment and escrow account. After waiting for the error to be fixed, this was completed and re-assessed for the accurate amount owed. The new monthly payment skyrocketed to an amount we simply could not afford and placed much stress on our family. We drained our savings and submitted the required payment to bring our escrow account to over {$7000.00} as requested by the lender. 

We immediately reached out to Cardinal Financial and informed them this needed be adjusted, however we were asked to fax and email the new tax document, which we did. We called numerous times and were told this was received and a loan re-analysis was to be performed as of late XX/XX/2023. After finally speaking with a supervisor, we were told the analysis was never performed and somehow fell through the cracks. We were beyond enraged but she promised this would be settled by XX/XX/XXXX. This unfortunately did not happen and our loan continued to fall behind, incurring late fees that should not have been applied due to this error on Cardinals behalf. Finally, after many more calls, we were advised it was approved and our taxes were found to be {$2700.00}. However, we are XXXX being advised that we owe well more than what reflects the true loan, interest, and tax amount for the months of XXXX. 

The lender is still asking for the inaccurate amount due, despite confirming it is wrong and refusing to accept the new adjusted payment. They said we need to pay them more than we owe and then we will receive reimbursement. We do not have the funds that exceed the true amount.
Product: Mortgage

My original NOTE states in XXXX. Borrow 's Rights to PrePay.attached here. States that I have the right to Prepay on my principal in part or in full at any time during the loan. According the my chat, attached here, with Shellpoint they are and have been FRADULANTLY preventing me from exercising my Rights according to my NOTE. In a previous complaint : XXXX, they answered that according to Section XXXX, they had the right to do that. However, my Mortgage or Note do NOT have a Section 1. The Mortgage has a paragraph 1 and that states that if a payment is returned the servicing company has a right to ask me for cash, cashier 's check, bank check, electronic transfer, in order for me to make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : XXXX Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$1200.00} Account Status : DEROGATORY Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. 
My Remark : I DID NOT REPORT DISPUTE WAS RESOLVED THIS IS A LIE AND VIOLATING MY RIGHTS, XXXX XXXX CARD SERVICES : XXXX Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$840.00} Date of Last Activity : XX/XX/2015 Account Status : DEROGATORY Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees My Remark : I had my card stolen at the end XX/XX/2015 and called immediately to report the stolen card. XXXX XXXX XXXX XXXX told me that they can freeze my account and issue me a new credit card, after weeks of waiting I tried to pay my bill during the due date ( at the time the amount of around $ XXXX {$500.00} ) and without informing and my consent, XXXX XXXX CARD SERVICES closed my account on their Date of Last Activity : XX/XX/2015, which is not my date of last activity. This also violated my rights., XXXX XXXX XXXX XXXX XXXX : XXXX Payment Status : Current High Balance : {$1000.00} Creditor Remarks : Closed or paid account/zero balance Account Status : Paid, XXXX XXXX XXXX : XXXX XXXX XXXX : COLLECTION/CHARGE_OFF Amount : {$1400.00} Account Status : DEROGATORY, XXXX XXXX XXXXXXXX : XXXX, HARD INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has all 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor 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 have been told to send my situation to you. The problem is I had to default on an auto loan. Within a week of the finance company, BridgeCrest, reporting to me credit bureaus, I started receiving phone calls from solicitors several times a day. I used an email address for this loan that I only have used for 2 other contacts. I also started receiving spam emails & emails that contain inappropriate content. I have followed all the information to get these things stopped, with no avail. I just know that BridgeCrest released my private information to be used by these companies. Every time I receive a phone call, I do not answer & block the number. They call from a different number. I have over 70 phone numbers blocked and just deleted them in the beginning. I am looking for information to report BridgeCrest and the agency that calls me 2-3 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX has reported late payments unlawfully. They are in violation of Fair Credit Reporting Act. 

15 U.S.C. 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are transactions and experiences that are not to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX/Reported : XX/XX/XXXX Reference # : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Last month 12 days reporting my account 30 days delinquent last month after I payed approximately 1,5 hours past midnight on late day due to work schedule. Have yet to inform credit rating agencies of account being up to date. Payed full amount of {$940.00} on XX/XX/2023. The total payment equals my usual {$910.00} mortgage and escrow plus late fee of {$27.00}. As of today my credit tracker XXXX has posted no updates since XX/XX/2023 when a second credit rating company received notification of my account delinquency. First company notified on XX/XX/2023. As you should be aware XXXX has already settled a class action lawsuit for violation of FHA terms in regards to charging fees for FHA mortgage payments. Since no government agency will take any actions against them, they obviously feel no obligation to follow any other governing FHA terms. Furthermore a representative of XXXX XXXX attempted to harass me, by calling and leaving a message on my voicemail, without my consent, to contact them via phone, after I inquired via email which of their corporate partners had been jailed and why they were still a FHA mortgage provider after violations pertaining to FHA policies and charging customers fees for mortgage payments.
Product: Debt collection

I received a call at approximately XXXX XXXX EST on XX/XX/XXXX from XXXX " Account Resolution Services ''. The woman stated that she was collecting a {$33.00} medical bill from a hospital visit in XXXX. 

I stated to her why I would not have any problem playing a {$33.00} bill, this is the first I had heard that it existed. I went on to ask why the original debtor did not send me any bill prior to sending it to the collection company? The woman was very rude as proceeded in stating that their company had sent me 3 statements. I stated to her that I do not have anything from them and continued to ask why if the original debtor is required to send me a statement before sending a bill to collections. Because I had received NOTHING. She became even more aggravated and told me that I should have seen in my insurance statement that they didn't cover everything. To which I questioned if it fell on my insurance company to bill me for what was not paid? I calmly ask again, is the original debtor required to send me an invoice and give me the chance to pay it BEFORE sending it to a collection company? To which the collector hung up the phone. 

I immediately called the number back and a man answered. I explained to him how I was just hung up on and requested to speak to a manager. He transferred the call to a voicemail, to which I left a message. 

I would hope that I have a right to be notified of and the opportunity to pay a bill PRIOR to it being turned over to these collection companies! Not to mention the manner in which Account Resolution Services handled my call was unexceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information. Transunion, reinserted deleted, obsolete creditors by the name of XXXX. I was not informed about the reinsertion. In XXXX or XXXX of XXXX, I discovered ( XXXX XXXX, 10 accounts ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Also, you are reporting a fraudulent inquiry from XXXX XXXX dated XX/XX/XXXX. I have never applied for anything with this org. I attached the letter that indicated that XXXX requested for you to delete the fraudulent hard inquiry but yet it remains on my credit report. 
Attached is support that the 10 accounts from XXXX XXXX were deleted XX/XX/XXXX by Transunion. I have attached the Transunion credit report showing Ascendium reporting. Then I am submitted support to show that Transunion deleted the 10 Ascendium accounts on XX/XX/XXXX and without my knowledge, 5- or 6-XXXX later Transunion XXXX. I have attached a screenshot that states from XXXX XXXX that they are XXXX XXXX XXXX XXXX. If you refer to the highlighted document which XXXX acknowledges that they are XXXX XXXX XXXX XXXX, you will see they mentioned XXXX. The account actually stems from XXXX if you refer to the older credit reports. Ascendium dates are different from XXXX XXXX XXXX though they are the same company. This company started off being XXXX XXXX, then Navient, then XXXX XXXX XXXX lastly Ascendium. Every time they reported under a different name and they rea-ged the accounts which is against the law. According to the FCRA, the time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). 
If you Transunion refuses to delete the old reinserted creditors Ascendium, I am within my legal rights to file a lawsuit against you Transunion and XXXX for re-inserting the obsolete item under the Fair Reporting Credit Act ( FRCA
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XX/XX/XXXXdata breach. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XX/XX/XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
Also my signature on the document is me giving authorization ; so please do not respond saying you need authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Inaccurate Addresses : I would highly appreciate if you remove these accounts from reporting immediately. Failure to comply with the request should result in the immediate deletion of the accounts in questions. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$4500.00} Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account. 

If either party does not want to furnish this information than the reported information must be removed and deleted. 

Equifax supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account. 

All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses. 

Equifax XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unsuccessfully attempting to temporarily thaw my credit freeze with Transunion since XX/XX/21 through XX/XX/21. I have attempted to call with no success and attempted the online chat. Their customer service is atrocious and completely unproductive. The only reply I get online is " The Transunion Credit Freeze Service is temporarily unavailable ''. I had no problems thawing my credit with XXXX or XXXX. Thank you for any assistance you can provide.