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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$66.00} XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not feel I am getting a fair investigation by Experian to address my concerns. I keep contacting them so that they can review the concerns I have with the reporting of the information on my credit report. 

I have asked them to provide me with documentation they are using to verify this information they are reporting. I have sent them such a request on XX/XX/21 and to date I have not received the information required by law. 

I will be filing a complaint with my state attorney general and seeking legal action if they do not provide this legally required information they claim they have for reporting this error.
Product: Debt collection

RS & CLARK is reporting an account on my credit report that does not belong to me. I asked for debt verification as allowed under the FCRA in XXXX 2016. They sent me a response dated XXXX/XXXX/16 stating that they need additional time to verify the debt, and that was almost a month ago ... I have yet to receive a response.
Product: Mortgage

We have been trying to close an assumption loan on our house since XX/XX/2022. PennyMac, the lender, has asked us to sign several extensions, as well as asking us and the buyers for information, the same information, over and over as each document ages out. 

The buyers are approved, and are ready to close, as are we. We have moved to Arizona, and our expenses, as you can imagine, are starting to add up, as we are attempting to maintain and pay for both houses. 

It should be noted that the realtor has been exemplary, and we believe shares no fault in this issue. 

We have gotten excuse after excuse from PennyMac, and I think every party on our side of things has been patient and forthcoming, but its all wearing thin. 

We were told, when the buyers were approved, that this should take no longer than 60 days. Needless to say, we are well past that. 

We need PennyMac to close ASAP.
Product: Student loan

In XX/XX/2018 I cosigned a private student loan for my daughter with Discover Student Loans. We were told it would not be problem to consolidate and refinance the loans in order to have me removed as a cosigner and my daughter have a better interest rate once she graduates. This has been anything but easy. Discover will not allow my daughter to consolidate her loans ( 2 ) and remove me as co-signer, stating she does not qualify. They are unable to provide any credit criteria literally stating " its different for everyone ''. I have spoken to their consolidation department and manager - XXXX. They are unable to provide and unwilling to try and locate this information within Discover. They simply say " we put the application information into the computer and the " computer tells us '' whether it is approved.This is unfair and abusive credit practices. Consumers should have the right to know the credit score, DTI and any additional credit criteria required in order to be approved to consolidate the student loans. More importantly ; consumers should be told this information prior to accepting and obtaining the loan with Discover.My daughter 's interest rate is over 9 % which is awful for a recent graduate to have to pay when they are just starting out.The initial sales tactics are flawed and misleading ; only to now deal with their back operation pitfalls and a denial with no further information. Consumers should be provided with the criteria needed to qualify. Please stop these companies from taking advantage of college graduates who are trying to get an education and provide themselves with a better life and career.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My name is XXXX XXXX XXXX, I have proof that I'm the XXXX in my mom 's estate XXXX XXXX XXXX ( AKA ) XXXX XXXX XXXX. I have been trying to find answer fron PHH they have not returned my wife who was sender of the payments but one the XXXX. My wife XXXX XXXX XXXX time was her name now it is changed to XXXX. The mortgage company is saying they returned all funds, they have not this is first issue, second I wanting PHH to reverse mortgage to me. My wife paid the money to cure default in XXXX of 2022, they accepted the money and then foreclosure after it was cure default.
Product: Credit reporting or other personal consumer reports

Experian lowered my credit report by XXXX points in XXXX and is unable to explain why this happened. The other XXXX agencies raised my score by XXXX points because I paid off a {$10000.00} credit card. I have NO late payments, NO new debt, there is absolutely NO reason for this and they will not, can not explain why they did it. They advised I get outside help so I am contacting this agency and a lawyer.
Product: Mortgage

We set up auto pay on Sofis website to avoid any late fees. XXXX and XXXX XXXX payments were made. Looking at the payment history these 2 payments were credited to our account in error. So 2 payments in XXXX and 2 in XXXX. This equaled 4 payments instead of the 2 we made. This error was noticed in XXXX and 2 payments reversed. 4-2=2. However because correcting Sofis clerical error resulted in 2 reversals in XXXX it showed we did not make XXXX payment which in fact we did and it was received XX/XX/XXXX. So it showed we were delinquent and behind on payments even though we were not so then it kicked off the auto pay for XXXX. So Sofi tried saying we were late for both XXXX and XXXX. They have since sent harassing mail to help with mortgage payments and have called my employer when all of this directly reflects their clerical error. I brought it to their attention on XXXX and today is XX/XX/XXXX with no resolution in sight. I called XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX spending over 2 hours on each phone call between wait time and talking with a representative. The representatives not only were rude but claim they did not see the miss accounting with 2 payments in XXXX, XXXX in XXXX and several said they saw the reversal but didnt know what happened and could put in a ticket to investigate it. No one can give me updates. They cant transfer me to anyone to follow up. No supervisor can call me back. They even sent me to collections department rather than acknowledging their error and fixing the situation to show I did make the XXXX payment. Since their error resulted in XXXX payment not being drafted we wanted to wait till XXXX was accurately posted to make the XXXX payment however in the mean time finally yesterday XX/XX/XXXX out of fear of my credit showing Im behind 2 months mortgage I made 2 more payments ( a second one for XXXX and my XXXX ). This now us making 4 payments for the year- 1 in XXXX, 2 in XXXX and 1 in XXXX. I did not want to make 4 payments to be credited for 3 months of payments. I had to because Sofi conducted a fraudulent act by taking my XXXX payment and not posting it accurately then harassed me to make a payment that I already made
Product: Vehicle loan or lease

The amount of {$18000.00} seems to be a lot for a car that is XXXX. I am upside down in the loan and the pay off date is XXXX I believe. I had the past due payments added to the end of the loan but the monthly amount of {$420.00} is a lot to pay each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to TransUnion in XXXX and XXXX of XXXX  and called in XXXX of XXXX  and explained that a mortgage company I am working with said that my credit report shows open disputes for closed accounts and the disputes need to be shown as closed. I have asked TransUnion to update this information and to date they have failed to update these accounts accordingly. These incorrect dispute comments are hurting my credit and causing issues with the approval of my mortgage. 
My two XXXX XXXX XXXX XXXX accounts that are closed need to show no open disputes and the dispute comments removed as the disputes have been resolved with XXXX XXXX and the accounts are now reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items and authorized inquiries for they were found erroneous and unauthorized. 

XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$18000.00} XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I send several times my dispute letter thru the XXXX credit bureaus experian, XXXX and XXXX  but they still refused my letters. I STILL SEE ALL THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. The bureaus says I'M NOT THE ONE WHO SEND OUT MY DISPUTE WHICH IS WRONG. i'm the one who send it out. please delete all thee accounts an inquiries Thank you open late payment XXXX XXXX XXXX XXXX XXXX, XXXX {$10000.00} Charged Off XXXX  XXXX XXXX XXXX XXXX, XXXX {$1200.00} charged off XXXXXXXX XXXX XXXX XXXX XXXX, XXXX {$1000.00} Charged Off XXXX XXXX  XXXX XXXX. XXXX, XXXX {$530.00} closed late XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} open late XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$690.00} XXXX  XXXX  XXXX XXXX, XXXX {$1200.00} inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Charged Off XXXX XXXX  XXXX XXXX. XXXX, XXXX {$0.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00} Charged Off XXXX - XXXX XXXX  XXXX XXXX, XXXX {$1000.00} Charged Off XXXX XXXX  XXXX XXXX. XXXX, XXXX {$870.00} charged off XXXX XXXX XXXX  XXXX XXXX, XXXX {$230.00} cloed late XXXX XXXX  XXXX XXXX, XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00}. 

This complaint is my follow-up to give you an ultimatum to fix the listed accounts in my file
Product: Vehicle loan or lease

When purchasing my vehicle I made an agreement with the car dealership whom claimed they were in direct contact with Capital One Auto Finance about the interest rate rate of my auto loan to be 6 % and for no longer than 48 months. Once I started making my car payments I was being charged 12 % apr and a 72 month auto loan. I put {$6000.00} cash as a down-payment to keep my payments low and interest at a lower rate. Even with a 12 % apr with the amount financed I have paid more than I should have for the entire lemgth of the loan. I put {$6000.00} cash as a down payment. the amount of the loan should have been for less than {$10000.00} with my down-payment. The original loan amount shows much more than {$10000.00}. Where did my down-payment go if it was not put towards my loan as it should have been?? Capital One Auto Finance charges accessive interest rates and are not as what was agreed to at the start of the loan and is double the amount than what was agreed to when purchasing the vehicle from XXXX of XXXX. For what should have been a {$9000.00} loan with 6 % annual percentage interest rate and paying on my loan for 3 years now and it still shows I owe {$7000.00} to pay my car off and that I have paid {$7000.00} in interest already does not add up. Contacting Capital one auto finance is a joke as nobody resolves the problem. Somebody needs to audit Capital one auto finance because I am sure that I am not the only one that is being deceived by Capital one auto finance. This is a fraudulent act on Capital one auto finance and quite possibly even XXXX of XXXX. Capital one is being extremely deceptive in their practices by collecting more interest in payments from consumers than what they should be collecting. more than 50 % of every payment has gone to interest. even on 12 % interest ( although that is suppose to be 6 % as agreed to ) the amount of interest collected during an entire 72 month ( which is suppose to be 36 month ) loan term should be no more approximately {$3000.00} throughout the entire length of the loan. How is it I have paid double that in interest and the loan amount in total should have only been {$9000.00}??? This is fraudulent and wrong and Capital one auto finance is taking advantage of consumers with unfair practices and should be held accountable for their fraudulent actions to the full extend of the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number - XXXX this account is not mine I disputed off my credit report and it came back as verified I asked for the original contract and they did not provide me with the original contract and I have proof that it is not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

It came to my attention that my mortgage loan servicer ( BSI Financial Services ) failed to pay the real estate taxes when they were due at the end of 2020. I received a notice from my local tax authority ( on XX/XX/XXXX or XXXX ) informing me of the delinquency, at which point I immediately called and reported the issue to BSI Financial Services. They looked at the records and confirmed that the money for real estate taxes was never disbursed from the escrow account. They claimed they would resolve the issue. I have called BSI Financial Services every week to check on the progress, but after nearly a month of informing BSI Financial Services of the issue, they have failed to pay the overdue real estate taxes.
Product: Debt collection

True Accord has violated my rights. 

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. XXXX XXXX as well as Experian continue to report a bankruptcy in my previous name.
Product: Mortgage

We had a hail storm and need to get iur roof fixed. To do so we the The Money Source to endorse a claims check. The Money Source is being extremely difficult and is trying to hijack and manipulate the process causing significant delays. We just want to get our roof fixed in a timely manner.
Product: Credit card or prepaid card

I received a letter stating my application was declined due to " Credit History of Personal Guarantor ''.  The only phone numbers on the letter were for XXXX and XXXX. I called several phone numbers and finally got to someone on XX/XX/17 who could see my application. I talked to XXXX. XXXX just kept telling me I had to call the credit bureau. I asked him what the denial meant and he did not know. I asked for his supervisor and got XXXX. XXXX would not tell me any more. I asked if I could have a more detailed info mailed out. She said no one knows why. I asked I can call the credit bureau and look to see whats on my credit report but that does not help me tell why you rejected me, so could you send me a copy of your underwriting guidelines to help me figure it out. I was denied. She all but hung up on me. 

Trying to get a credit card for XXXX should not be this hard. I already have a credit card with Synchrony bank, so there should be no reason why I can not get this one.
Product: Credit reporting or other personal consumer reports

What happened? 

Multiple student loans from XXXX have been inaccurately reported on my credit report. These loans should not be appearing on my credit report as they are protected under federal law. 

XXXX : - XXXX XXXX XXXX  from XXXX have been erroneously included on my credit report. 
- The loans were disbursed on the following dates : - XX/XX/XXXX ( Loan XXXX ) - XX/XX/XXXX ( Loan XXXX ) - XX/XX/XXXX ( Loan XXXX ) - Each loan has a specific loan account number and amount. 

Actions taken : - I have not taken any actions regarding these loans, as they are protected under XXXX ( XXXX XXXX XXXX ( b ) ) and should not be reported on my credit report.
Product: Credit card or prepaid card

A charge from XXXX appeared on my XX/XX/XXXX statement. It was billing on XX/XX/XXXX. I called XXXX  to get details. I did not purchase the item they outlined, so I disputed it with Bank of America. They mailed me a letter the next week saying they were investigating and that I needed to take no more action at that time. I then got a letter written onXX/XX/XXXXstating that they could not get in contact with me to get further information, and so I would be charged the amount on the disputed charge. I then called the question/help line for more information.

It turns out that they had tried twice, on XX/XX/XXXX and XX/XX/XXXX, ( I only have a recording forXX/XX/XXXX) to contact me by phone. They left messages on a line I have to admit I do n't always check regularly. Because I did n't respond, they closed the case on XX/XX/XXXX and told me that they would not investigate further. I now have to pay the {$340.00}.

I realize that not checking my messages during those few days was my error. However, I have used this card for years and have been a loyal customer. It also seems shady that they called me two days before the time runs out to investigate. I got no email ( even though I marked that as a preference for communication ), and no further letters regarding the matter. I will keep the card so it does n't impact my credit rating, but I will be moving to using a different primary card. Disappointing how they treat long time customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

While conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am  allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Product: Debt collection

On XX/XX/2022 I sent a letter to Experian, XXXX and XXXX about collection accounts on my report that do not belong to me. They are in violation and have not responded. I am demanded that these accounts get deleted immediately.