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

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following items. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion 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. 


These companies have illegally obtained and used my information inaccurately and refuses to investigate these errors thoroughly.
Product: Credit reporting or other personal consumer reports

I have previously stated that I have discovered that my personal information has been exposed to 15 different data breaches, including my email, addresses, credit card numbers, and ssn. There are some accounts that I do not recognize on my credit report or they continuously report inaccurately no matter how many times I have disputed these issues in the past. As a consumer, I have a RIGHT TO PRIVACY. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX 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. This is a violation of my rights. 

This is disheartening to know that this company has complete control over my life and how I can provide for my family, and continue to do whatever they wish with no regard to the rules and regulations set in place that they are required to abide by. I serve the XXXX XXXX and my country faithfully and I am being stripped of my rights in the very country that I have fought for in XXXX. This inconvenience has placed a hardship on me and my family, as I am XXXX XXXX Military and could possibly lose my security clearance while trying to serve my country. 

One of these accounts in particular, I have contacted personally and they did not have any contract with me on file, yet when I dispute items they are some how verified. This is FRAUD. If the requested items are not deleted promptly, I will be filing arbitration with this company.
Product: Vehicle loan or lease

The company violated the law. And knowingly and willingly took advantage of my consumer credit. There were multiple violations and the law was broken within the consumer transaction that we entered into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan. 

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from Allied Mortgage but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I made a payment via XXXX in XX/XX/XXXX and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. XXXX XXXX has my payments are late 90-119 days in the month of XX/XX/2021, however XXXX has no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to Experian, XXXX, XXXX requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.
Product: Mortgage

Dear CFPB, Please help! To put it candidly, I feel like I'm in a real life nightmare. I've been working with Better Mortgage on a mortgage application ; however, they have not been able to get anything right. They are either fraudulent or grossly incompetent/negligent. I will be filing a detailed report in the near future including all communications with the company and the misconduct. In the meantime, I'm wondering if there is any steps the CFPB can take to help get this loan closed. Most recently, Better Mortgage is refusing to provide a closing disclosure that has correct numbers on it. I provided them with the errors that needed to be fixed on the closing disclosure, but rather than just fixing the errors, they are insisting that I sign an erroneous document. The text of my most recent email ( sent on Friday evening XX/XX/21 ) to the company is as follows : I hope you are aware of the implications of trying to force me to sign an erroneous closing disclosure. You are in violation of multiple regulations both at the federal and state ( XXXX XXXX PA XXXX ) levels by even suggesting such. I see no indication that you have any intention of providing a closing disclosure that has correct numbers on it. The fact that these specific errors were brought to your intention but you refuse to provide a corrected document may even be criminal behavior. Based on an initial assessment, it's fraud. 

Throughout this process, Better has fabricated their own " rules '' contrary to what is stated in the federal regulations. When I pointed out that Better is incorrect based on what is stated in the regulations, you simply fabricated another " rule '' to try to cover the lie. For anything I disagreed with, I provided you with regulatory citations indicating the actual requirements. When I asked you to provide regulatory references to your bogus claims, you were unable to do so. I provided you with the EXACT errors on the closing disclosure that needed to be changed. This should have taken all of ~ 20 minutes. A period of days have elapsed since I provided you with these errors. Instead of just making the corrections, you wrote email after email pressuring me to sign a falsified document. 

As XXXX just brought you in on this application, I want to make sure we're both clear on the events taking place. If you have any intention of salvaging this deal, I urge you to make the corrections to the closing disclosure immediately. If you fail to do so, I'll take that as confirmation that it was your intention all along to mislead the consumer and that you never were willing to provide the services quoted at the quoted price. I will be filing reports to all appropriate agencies with jurisdiction for any and all regulations, rules, statutes, or laws that you have violated throughout this process, which are numerous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX XXXX and I am writing in regards to the negative items found on my credit report. 

Regarding XXXX XXXX XXXX XXXX I would like to inform you that the date of inquiry for this account was XX/XX/XXXX, which has now reached the statute of limitation. Therefore, I kindly request that you remove this information from my credit report. 

Furthermore, I would like to dispute the following accounts, as they do not belong to me : XXXX XXXX XXXXXXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; and XXXX XXXX Account Number : XXXX. I have no record of these accounts and I believe that this information is inaccurate. 

Therefore, I request that you remove these inaccurate items from my credit report immediately. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan

I applied for a loan online and in person by speedycash multiple times but did NOT recieve ANY money. This is a very bad misrepresentation by this firm and they are helping aid XXXX in further retaliating to a wrongful termination and equal employment opportunity commission investigation along with a human rights act. This firms main concern was to find out if i have defrauded the government by collecting social security when i am clearly able to work. speedycash I have used a time or XXXX before and now they only are concerned with aiding and abetting a criminal business owner in depriving a qualified candidate with a XXXX of his equal employment opportunity he is afforded under the USA constitution by further aiding and abetting a local business owner in retaliating to a district judge 's order.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experion and XXXX show an outrageous number of credit inquiries on my account. For instance, I did not authorize most of these as follows : XXXX- yes for credit Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX- again it was a soft inquiry they said Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX just inquired not authorized Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX definately not authorized just inquired Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX definately not autherized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX definately not authorized Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX says its a soft inquiry Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  authorized Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX- no not authorized Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX- not aware of what this is for Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX  - don't even know what this is for Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX authorized Inquiry : XXXX. XXXX, XXXX When someone asks you if they can run your credit you assume it's one time not 7 times. This needs to be disclosed upfront and with whom they are running it with because they ruined what I worked so hard for. In addition, there are inquiries on here like the teachers credit union that had no business running my credit.
Product: Mortgage

Please be an educated buyer. In hindsight I would have never signed the contract to begin with. We were told we were approved for the house but could never get the preferred lender on the phone to show us exact numbers for monthly payment, down payment, interest rate etc. We applied on XX/XX/2022, contacted the lender listed on XX/XX/2022 to obtain initial disclosures ( abiding by the 3 day timing to issue a loan estimate after receiving a completed loan application ) and estimates before signing our contract XX/XX/XXXX. We were not given any initial disclosure packet containing a loan estimate until XX/XX/2022. So we tried to do the math ourselves and kept saying, well if we are approved we must be able to afford the house. Signed the contract. Months later we finally hear from the lender and the market has drastically changed since starting the process and the monthly payment we are told is something I would have never signed for. Add in that our income is based off the changing market and we can barely make our current bills because having a commission based income in the mortgage industry is basically making nothing now. We know we can not afford this home based on todays number and have attempted to contact the lender and Seller to advise if this, however they have stated that we HAVE to use their approved lender as they issued an approval. We want out of the contract now and want our earnest money back, as no lender would issue a prequalified letter of the information now. The lending process would dictate that our documents are expired as well so there is no reason they should not be requesting new documentation anyways. It should not be a fight. It should not be still us being told we are approved and should follow through with the home. Our income in the past months reflect maybe {$5000.00} a month. You can not honestly tell me I can afford a home that has an estimated monthly payment of {$3600.00} ( and probably still increasing with the interest rates ) and that it is in my best interest to stay with the contract. This is also only taking into account the mortgage payment, not all of our debts. Our Debt-To-Income ratio is not within lending guideline. It is a sad and expensive lesson we have learned in the process. Please do your homework and trust your own gut before signing a contract with no one on your side. Its business, I get that, but at some point there should be a basic understanding. We have asked the lender/Builder to consider this information and refund our earnest money but they have declined.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX  filing this complaint. The stuff on my credit report is wrong.
Product: Mortgage

See attached objection to Nationstar and their counsel 's false claim I am making a frivolous complaint and new complaint because Nationstar is prohibited from failing to correct errors in inaccurate payment allocation per 12 USC 2605k1c and prohibited from collecting and retaining unearned fees per 12 USC 2607. My attached objection to an XX/XX/2023 uploaded XXXXXXXX XXXX XXXXXX/XX/2023 response clearly outlines false claims made to the Court, to the CFPB knowingly using detail reports to claim errors didn't exist internally within the original transaction history that recorded inaccurate overstatement of principal debt, over calculated but under allocated collected amount of interest leaving {$15.00} still held in suspense, a suspense account holding {$1800.00} in lender fees never allocated to any advance ( all advance payments were later reversed after acceptance of my overstated payoff ) that were in fact all unearned fees never refunded to me, and an outrageous claim I paid and Nationstar allocated {$11000.00} for 196 late fee payments over the entire life of the loan of 94 months, falsely claiming by manipulation of detail reports the error either didn't exist or was updated.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Product: Mortgage

I usually make my mortgage payments directly out of my checking account, but because I am not working as I normally do I have sent cashiers checks certified mail. SPS Mortgage has lost 4 of my mortgage payments since I have been with them. I am current on my mortgage, but feel like maybe they need late charge money. I made XX/XX/XXXX's payment the end of XXXX and sent it certified return receipt and XXXX XXXX and they lost it.The check was signed for XX/XX/2020. I put a stop payment on the check and received a notice for NSF I sent the second check which was signed for XX/XX/2020 by XXXX XXXX. Again, we have called 4 times and keep looking at the payment site. They can not find the check. They have asked for us to make our payment out of my checking account. They do not care that they lost it and do not even pretend to be sorry. Banks are closed and walking in to put a stop payment on any type of check is not easy. They just want it sent again. I had reached out to their ombudsman department, a supervisor and numerous other people. Please help me I know that many people must be affected by their servicing. My background is Escrow so I am absolutely shocked at their service.
Product: Prepaid card

I have been waiting on my direct deposit for four days now still havent received my check Providers said they fixed the issue but I still havent received my check and they wont answer the phone and they really cant tell me when will I receive my check and now it the weekend and their call center is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Equifax. In XX/XX/XXXX, I had a legal name change as I am XXXX. At that time, I had my social security card updated and all other legal documents. I submitted these documents to all creditors and credit reporting agencies. For the past three years, I have struggled with Equifax continuously refusing to update my information even though I have provided this information repeatedly. In XX/XX/XXXX, I applied for an apartment rental and had a freeze on my account with Equifax. I called several times over the course of the next three weeks to attempt to have this resolved and was denied access to my own credit file, as I believe it has fraudulent information on it, as the " Security Questions '' they asked me are not accounts that I have ever had. When I inform them of this, they simply deny me access to my file and refuse to help me. As of XX/XX/XXXX, after applying for a Mortgage and being informed that AGAIN, Equifax has placed a freeze on my account, I submitted an ADDITIONAL request that they update my credit file, IN WRITING Via Fax. I followed this up with a written letter to the XXXX XXXX XXXX XXXX, and CC 'd Equifax 's dispute department, with a complaint and request for my file to be updated. As of XX/XX/XXXX, upon Equifax refusing to update my information yet again, I Submitted this request again via fax. 

In the meantime, I have submitted 3 online disputes with Equifax, one of which I was given confirmation number XXXX. I submitted disputes online the week of XX/XX/XXXX, the week of XX/XX/XXXX, and XX/XX/XXXX. I have requested my file be updated in EACH of these WRITTEN requests, and requested copies of my credit file/credit report IN WRITING in each of these written requests, each fax, and every single time I have spoken to one of their representatives on the phone.
Product: Mortgage

This is the XXXX time I have to submit a complaint with the Consumer Financial Protection Bureau. Ocwen is once again stating that I am late on my mortgage payments even though my payments are submitted automatically bi-weekly by my financial institution. Based on information derived from my financial institution I am XXXX a payment ahead on my payments. Ocwen is the most incompetent company that I have ever encountered concerning customer service.
Product: Credit card or prepaid card

On XX/XX/2021 I realized American Express had suspended my ability to redeem reward points. I contacted customer service and inquired about the reason. Both an online chat representative and a phone representative were not able to provide information about what triggered the suspension of my account. The only information that has been provided is : " We are currently reviewing your account to ensure that you have complied with our terms. We have suspended your ability to redeem. If we determine that you didn't comply with our terms, we may reverse your Welcome Bonus ( if applicable ) or take further action on your account. '' I currently have over {$800.00} worth of rewards that are suspended and, despite attempts, have not been able to contact someone at American Express that can explain why the account is suspended.
Product: Credit reporting or other personal consumer reports

XXXX- I called the customer department and they did not help remove the negative inquiries that is reporting to my credit report Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called the customer department and they did not help remove the negative inquiries that is reporting to my credit report Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion-I called the customer department and they did not help remove the negative inquiries that is reporting to my credit report Inquiries for Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On my credit report there are multiple duplicates, triplets, and quadruples, of different accounts. all the accounts are from XXXX XXXX XXXX XXXX, which all were reported to or sent to Collection Bureau of FT. Whom wants to set me up on a payment plan. I called XXXX  yesterday and requested all of my bills from there, in which I was told that there were only seven. The Collection Bureau of FT has 19! Several of these accounts are multiplies and the Collection Bureau of FT are giving me the run around. I'm XXXX  years old and attempting to fix my credit score in order to get my life on the right track.
Product: Debt collection

I have no contract with Conserve. Conserve is also not licensed to do Business in the state of Florida.. Conserve also had 2 different charges on all 3 of my credit files. They just recently deleted one for & XXXX, but one still remains on my credit report for around $ XXXX.Conserve ca n't send me proof of anything with my signature on it, because I never had a contract with Conserve and the are n't licensed in Florida so I never even received writen notice when these accounts was placed on my credit.