23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I met with the title company on XX/XX/XXXX to sign my closing documentation. On the night before there were errors I caught and contacted the XXXX mortgage person assigned to my account. 

There were mistakes but I agreed to sign as it appeared I was going to receive a refund from my previous lendor and insurance agent. 

On XX/XX/XXXX, I started getting phone calls from the XXXX  agent assigned to my closing that I needed to resign and back date documents that were incorrect. They changed multiple times throughout the day until I could no longer see what documents he was referring to or understand what the changes were. 

Up until this point ( about a month ) all documents were attached or downloaded to their website. Because I could not see the documents and he wanted them backdated, he then proceeded to email an unencrypted file to my home ( personal email ) exposing all of my personal information in the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/2019 this Account was never reported as a derogatory account. I made a payment in full XX/XX/2019 trying to obtain a Mortage I was notified best action would be to pay the {$510.00} owed on this account! After payment and 30 day cycle of credit this account shows up derogatory in a charge off status in which dropped my credit score substantially in XXXX! As of XX/XX/2019 Ive received another drop of 92 point via XXXX  and 36 points via XXXX. This account debt has been paid in full since XX/XX/2019! As of XX/XX/2019 its reporting as charge off/ collection after payment to XXXX  XXXX . As of XX/XX/2019 its reporting charged off to XXXX. As Of XX/XX/XXXX this account is reporting closed paid off balance updated XX/XX/2019 to XXXX! As you can see the inconsistency listed above the effects on my financial future is due to wrong reporting practices! Please correct!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 all 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
Product: Debt collection

XXXX XXXX XXXX XXXX is not license to collect in the state I live.
Product: Mortgage

After further review from a previous complaint it looks like the mortgage company has placed a stop payment on a check to a company I did not authorize. Now they have been returned that check and have decided to find another company to send the check too which, again, I have not authorized payment too. Im not sure what the mortgage companies malfunctions are or why they are continuing to find random insurance companies to send my money to but my next step is going to be to get a lawyer involved because this is ridiculous.
Product: Debt collection

Third-party Debt collector LVNV Funding LLC Which I have no contract with. This company should not have my information. They are attempting to collect on a paid debt on XXXX XXXX XXXX, XXXX which violated the Privacy Act of XXXX as well as 12 CFR 1022.24 Reasonable opportunity to opt-out because I was never notified by XXXX XXXX XXXX XXXX XXXX that my nonpublic personal information was going to be shared with non-affiliated third parties such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt-out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX, XXXX never sent to me. I am exercising my rights under 16 CFR 313.7 Form of opt-out notice to consumers. I asking them to first prove the contractual agreement between XXXXXXXX XXXX XXXX / XXXX card services and forward to me such an agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account : XXXX Effective Date : XX/XX/XXXX Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX XXXX am now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802. 
I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement.
Product: Credit reporting or other personal consumer reports

I had XXXX credit inquiries on my report as of yesterday. Today my credit was ran 6 times. I also got an alert from my credit membership of a data leak involving my social security number. I did not authorize any credit pulls on my account.
Product: Debt collection

I have an account in collections on my credit report. Original credit was XXXX XXXX XXXX who turned it to collections thru XXXX XXXX. I never satisfied the debt and when I first called, possibly XXXX of 2020 ( not sure on exact date ) XXXX XXXX directed me to call Lloyd & McDaniels Law office and provided me their number. When I called in, the person on the phone told me my account was new and was locked, whatever that means. So I left my contact info hoping they would contact me. When I did not get a call, letter or email, I called back and was told the same thing. The lady on the phone understood my frustration but would not share a single detail of my account, answer any questions about why it was still locked and said I cant even pay on it. Yet again, still no contact from this law office that is supposedly in control of a debt on my credit report which is severely hurting my ability to get a simple loan or credit card. It is the only account in collections I have and they will not give me any options to move forward. I even submitted a settlement offer on their website hoping it would get things going but still ZERO contact from them. It is wrong for them to be able to negatively affect my credit report without ever sending me documentation as requested, not providing me any information, and failing to communicate with me. I was willing to pay but now I just want this removed from my credit report since they cant verify it or even unlock my file so I could pay on it.
Product: Mortgage

Hello, My husband and I recently sold our house and as part of the negotiation process reached an agreement that we would pay closing costs not to exceed {$4600.00}. We noticed on the closing disclosure that we could get more information or make a complaint on www.consumerfinance.gov/mortgage-closing. Overall, we feel closing costs of {$4600.00} were too high for the transaction. We received two offers at the same time ( one with closing costs not to exceed {$2000.00} and one with closing costs not to exceed {$4600.00} ), but there were other variables that contributed to us accepting the latter offer. Please note that prior to these offers, we had two other offers with closing costs ( both {$3000.00} ) - the first rejected our counteroffer and the second fell through after the inspection process because of buyer financing. Throughout the selling process, we were told closing costs should run about {$3000.00} and even after accepting this offer, we knew that costs should be less than the amount negotiated ( seldom is it ever going to be the exact amount ). Considering discussions with relators that have conducted several recent transactions, XXXX and our own recent house buying and selling experience, these closing costs do not appear to be competitive and feels like we paid for something else. To further cause concern, the buyers of our house changed lenders after entering into the contract and surprisingly the amount of closing costs did not change. Possibly, the closing costs are legitimate, but we still wanted to follow-up with someone because the fees seem exorbitant, amount was exactly what was negotiated, and very odd that the fee amount did n't change with lenders.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at FIRST GUARANTY on XX/XX/XXXX with a balance of {$5000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing against Equifax due to having a breach and my information being leaked. I did n't know about the breach when I called the beginning of XXXX because I had to file for credit fraud due to over XXXX inquiries that are not from me. I had to get all new cards from my bank and credit cards. I am going through so many disputes because of this. My landlord wants to raise my rent because my credit score changed. I 'm still fighting this and no resolution or anything from equifax. I just want my credit fixed and all those false inquiries off my credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXXfor 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, Equifax, and XXXX ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. XXXX  validated the debt even though it is clearly a re-reported account that they themselves already deleted from my report when it was initially filed under XXXXXXXX XXXX   XXXX. I opened disputes with all credit bureaus, and a complaint with the XXXX  against XXXX XXXX. In which, XXXX immediately responded and said for me to reach out via email. Which I have twice, and have received no response. I will continue to open complaints, and seek legal counsel if these are not removed. These are in complete violation of the FCRA. It is an FCRA requirement that the credit reporting agency notify you no later than five days after the date of reinsertion. It doesn't take a rocket scientist to realize these are the exact same debt collection accounts, just being reported under a new collector and new account number. Do your jobs credit bureaus it would take 2 minutes to realize these amounts tie out to each other and should have never been reinserted, not to mention it is in direct violation since you never sent me a notification.
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, 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 XXXX years. 

15 U.S.C. 16815-2 ( 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 or other personal consumer reports

Recently checked my profile and realized that personal and confidential information including my social has been compromised. This hinders me from opening bank accounts which is needed to handle day to day activities. My life have been heavily impacted by this and something needs to be done. I've read according to Federal Consumer Reporting agency that all consumers must be protected in case something like this occurs. In my name there are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you can see there are multiple banks that used my personal information. Need to be cleared from these institutions.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Late Payment Information # XXXX Dear Sir/Madam, I am writing to dispute inaccurate information reported on my credit report by, XXXX XXXX XXXX  that appears on my credit file. 

The details of the accounts in question are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX Despite my attempts to resolve this issue directly with the creditors mentioned, I have not received any response from them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information ( Section 611 ). I request that you investigate the incorrect information reported and correct or remove it from my credit report.

Additionally, I would like to remind you that, under Section 623 of the FCRA, information providers ( in this case, XXXX XXXX XXXX ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate.

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections 616 and 617 of the FCRA.

I am enclosing the following documents to support my dispute : 1. A copy of my credit report with the disputed items highlighted. 

I would appreciate a prompt and effective resolution, as is my right to an accurate credit report under the FCRA. I look forward to receiving an updated copy of my report once the investigation has been completed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  FICO dropped on XX/XX/XXXX indicating that I have a serious delinquency. However when i view all my accounts all accounts have been paid on time and no delinquencies are appearing on my credit report. When i try to apply to anything I am denied due to " SERIOUS DELINQUENCY '' However this makes no sense as I can not locate a delinquent account on the credit report this must be some kind of error/glitch on XXXX   side. 

This error also appears on Transunion stating I have a negative account with XXXX when the account also shows paid on time.
Product: Vehicle loan or lease

I recently attempted to purchase my leased vehicle at lease end for my contracted residual value. The leasing company, BMW Financial Services was unable to conduct the lease end transaction, and instead referred me to my local dealership XXXXXXXX XXXX  in XXXXXXXX, CO ( who I originally purchased the car from ). Upon approaching the dealer, I was informed that the residual value in my lease agreement could not be honored and they would need to charge me an additional {$600.00} in dealer-imposed handling fees. 

These fees are not disclosed in my lease agreement. My lease agreement specifies that my vehicle may be purchased at my residual value plus any government imposed fees such as taxes. 

The additional undisclosed fees being added to my lease-end buyout are in violation of the Consumer Leasing Act. 

On Monday XX/XX/XXXX, I was informed by two BMW Financial Services phone reps ( XXXX and XXXXXXXX XXXX ) that XXXX  is under no obligation to honor my lease contract. 

I have included a copy of my lease agreement, as well as the dealer quote sheet showing the additional fees they intend to charge.
Product: Mortgage

My mortgage loan servicing company ( LoanCare, a XXXX company ) website, www.myloancare.com has been down for days. 

I am simply attempting to make a a payment. This seems to happen often, usually around the end of the month. When I call the customer assistance phone number, I spend 30-40 minutes on hold, only to be told that website is fine. It is not operational, however, and I can not submit my payment. 

Please help! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter that I recently wrote to Experian to illustrate how my rights protected under FCRA 611 ( a ) ( 7 ) have been violated. In this letter I requested certain information and Experian was supposed to get this back to me in writing no later that 15 days since they recieved the Method of Verification request letter. I am positive the account in question dosnt belong to me and have placed a fraud alert on my credit report. I will file a court case if need be and the information requested in that letter will be needed in the case. Experian has mailed me no such letter and didnt do a real investigaion, they simply " verified the debt '' updated the dispute, which is what I specifically asked them not to do in the letter. My letter was to get details of what methods used and It is my right to know that given by the FCRA. Because it has been over 15 days since Experian recieved my letter I kindly request that it is removed immediately from my credit file.