23daVinci/CFPB_Complaints huggingface dataset:
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 AMOUNT {$450.00}., XXXX XXXX # XXXX AMOUNT {$1500.00}, XXXX XXXX XXXX XXXX # XXXX AMOUNT {$0.00}, 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: Mortgage

On XX/XX/2022, BOA ( BANK OF AMERICA ) Prequalified me for a home loan for {$500000.00} ; I have attached the pdf. ( LOAN XXXX ) Loan officers involved In the process of my loan are XXXX XXXX XXXX ID : XXXX ; XXXX XXXX XXXX XXXX ; and her XXXX XXXX XXXX XXXX On XX/XX/2022 ; My offer for a home purchase for XXXX XXXX XXXX XXXX Summit ; XXXX was accepted ; I started my loan process, locked the rate at XXXX %, and verified all they wanted ; I have attached. I have two jobs that can easily cover their monthly mortgage of {$2800.00}. But I was denied. Please see their reason below. 

We carefully reviewed your application and credit report ( s ) provided by the credit reporting agency ( ies ) listed below and unfortunately, we weren't able to approve your request because : Debt To Income Ratio : Excessive obligations in relation to income, Income insufficient for the amount of credit Requested THIS IS MORTAGE DISCRIMINATION AND REDLINING THIS IS FALSE BECAUSE I APPLIED FOR OTHER MORTGAGES ( I GOT TWO APPROVALS FROM XXXX XXXX AND XXXX XXXX XXXX I believe the main reason BOA denied me this loan is because of the XXXX $ they did not want to give if they approved the loan please see attached After reviewing all the documents, BOA lied on their loan document and put the taxes for the property for XXXX $ ( for a low-income area ). This is their strategy. 


Please refer this evil to federal authorities ; I am about to sue Bank of America.
Product: Checking or savings account

Called in on two different lines after being hung up on the call around XXXX and both calls I placed have me waiting. Over XXXX minutes and another says less than XXXX minutes just to talk to someone. This is not acceptable. 

Called back around XXXXXXXX XXXX on another phone and at around XXXX on the other. The XXXX call someone also hung up on.
Product: Credit reporting or other personal consumer reports

This account is showing as open with a XXXX dollar past due despite them being paid out in full by XXXX  in XXXXXXXX XXXX XXXXXXXX, before that, the car had been damaged earlier in the year and they delayed the insurance payout. 

On my credit it is showing as in collections despite me still paying every month until the car was paid off by insurance. 

I can upload a payment history from their system showing the car was paid in full. 

I've tried XXXX separate times, going back to XXXX to fix this with the company, but they keep saying its not their fault. 

I want this fixed as it is affecting my ability to get financing for a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 7, 8, and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled XX/XX/XXXX, the finance company who was Westlake was paid by my car insurance company and the gap insurance company to cover the total amount of the vehicle. My husband and I tried to purchase a new car and found out that Westlake put a charge off on our credit. When I called the agent said it was a clerical mistake, someone put it was charged off/repossessed instead of a total loss. They said they needed a supervisor to correct it, the supervisor refused and said we owed over {$3000.00} in late fees and other fees that accumulated after the total loss. I tried to explain to them we didnt have the car it was totaled and there should be no charges after the total loss date, they still refused. We even agreed to pay them if they would delete it from our credit and give me written proof. I had an agent agree to do that only to be told that they would not delete it off our credit because they cant, which I know they can and they would not give me proof. I told them I would speak with a lawyer at this point. I spoke with a lawyer who said not to pay it and no longer have contact with Westlake, that they would speak with them on my behalf and my husbands behalf. I called back to try and resolve this issue again they still would not work with us. I told them we would not pay it and I would fight it with the credit bureaus, m. They said that they would wait until the 28 day mark on the 30 days they have to respond and would fight it back. They said they would keep doing it because they have better more expensive lawyers and would sue me for everything to get the money and then they would sell it to someone else so it would never end and ruin my husband and Is credit. They also said that if I wait until the 7 years for it fall off they would just sell the debt and keep reselling it. I dont know what to do at this point but its ruined our credit and continuing to ruin it so we can not get another car or even our fist house. It is supposed to fall off in XXXX but Ive been fighting with them and the credit bureaus to try and get it off sooner and hopefully reverse the damage, Ive been working with my lawyer as well but we are having a tough time. The credit bureaus keeping saying it a valid debt even though they information they have reported is incorrect, we never had the car repossessed and I even have proof from my insurance company, the gap insurance company and a police report to prove the information is incorrect but they still wont remove it. Westlake is the worst company we have ever had to deal with and refuses to work with us at all. Im just afraid that when its supposed to fall off that they will follow through with the treat and sell the debt and it will never end and we will never be able to get another car or our first house
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report.

XXXX XXXX BANKRUPTCY Case Number : XXXX  Delete this account. 

2. there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit card

My husband is XXXX XXXX XXXX and was deceived by a " you won a big PRIZE!! '' scam. The scammers told him to pre-pay " fees & taxes '' by sending them XXXX  of dollars worth of gift cards. He purchased these gift cards by using credit cards. The scammers then threatened him and coerced him into sending more and more money. 

When I found out what was going on, I immediately tried to stop it. I notified the authorities ( police, FBI, etc. ) Since my husband was not capable of handling the situation himself, I obtained a power of attorney to act on his behalf. I contacted the credit card companies and asked them to delete the charges that were a direct result of my husband being terrorized by the scammers. 

The credit card companies refused to honor my POA and they refused to delete the charges.
Product: Checking or savings account

On XX/XX/2023 my VA and Social Security Benefits were deposited and upon attempt to withdrawing my funds I was informed my account was frozen and could not access my government benefits. Have attempted more than enough times to speak with someone about this matter and to no avail. The bank institution is USAA!
Product: Debt collection

I am reaching out concerning the attorney office by the name of Roosen, Varchetti & Olivier XXXX XXXX XXXX I agreed to pay them {$2500.00} from an old debt ( 2018 ) XXXX XXXX. I made my first payment of {$350.00} on XX/XX/XXXX. Another payment of {$350.00} on XX/XX/XXXX. I have been making payments of {$350.00} bi-weekly on XXXX and end of the month from XXXX until XX/XX/XXXX. On Friday, XXXX the XXXX I received a letter from Magistrate court stating I was scheduled for a court date on XX/XX/XXXX for this case. I was very shocked. I in turned reached out to my assigned representative at Roosen , Varchetti & Olivier XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I informed him of the letter I received he stated he would check into it and give me a call back. I am still waiting to hear back. Im not sure why I have to show up for court when I made every payment and little bit more as agreed with this company.
Product: Checking or savings account

I have been a member of Navy Federal Credit Union since XXXX. I never used my account due until I decided to go to the XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Upon being XXXX XXXXXXXX from the XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, I kept using my Navy Federal Credit Union checking account. 

I went back to work at XXXX in XX/XX/XXXX and switched my direct deposit over to XXXX but, I didn't close my Navy Federal checking account. 

XX/XX/XXXX, I started getting notifications about debit cards being ordered and virtual cards being activated. I sat on the phone with Navy Federal Credit Union 's security department for over THREE HOURS going over logins, passwords, transactions, and debit card numbers. I was overnighted two debit cards via XXXX for the situation. I still wasn't actively using the accounts so I never activated the debit cards. 

XX/XX/XXXX, I got a pay out from the XXXX XXXX and the money was sent to my Navy Federal Credit Union checking account. I go to activate the cards but, the cards are already activated. I notice that money from the XXXX XXXX is being withdrawn at an ATM. I call NFCU in a panic because I needed that money. I was never issued a refund for the {$800.00} withdrawn from my account. 

XX/XX/XXXX, I am in bed watching television when I get a random alert that {$6000.00} is just been transferred to my account from an NFCU member. I call NFCU and ask where this money is from because I do not know nor have I done business with this person. NFCU first tells me when the transaction post just send the money back to the member. NFCU then tells me on a recorded line that the representative is in a call center and XXXX co-workers are claiming to be on the phone with me at the same time. I am asked to provide my full SSN. I am then identified as the real me yet, as we are on the phone I am getting notifications that {$6000.00} is being spent prior to the transaction posting which is confusing to me cause I haven't had a debit card since XX/XX/XXXX. 

I explain this several times to the NFCU security department who tell me the login device are too similar to determine which is the authentic and which is the fraudster. I ask for a copy of the investigation results, the login IP addresses, and locations of purchases to file a police report to obtain camera footage to further prove that is was NOT me and I should NOT be held responsible. 

Yet, here I am on XX/XX/XXXX with no NFCU checking account, no NCFC refund from fraud ATM withdraws, or any supporting evidence as to why I should pay this {$6000.00} to have an account with NFCU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XXXX , acc-XXXX  , bal- {$540.00}, XXXX XXXX, date-XXXX, acc-XXXX  , bal- {$20000.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$460.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX  , date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education,  date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$6.00}
Product: Debt collection

This company ( Lockhart , Morris & Mont ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3800.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

Dear CFPB Representative, I am writing to file a formal complaint regarding the inaccurate reporting of multiple charge-offs on my credit reports by various creditors and financial institutions. These inaccuracies, appearing on reports from all three major credit bureaus ( Experian, XXXX, and XXXX ), have caused significant harm to my creditworthiness and financial stability. The continued reporting of these inaccuracies is a violation of Section 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer information. 

The following accounts have been inaccurately reported as charge-offs : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX The charge-offs listed above are inaccurately reported and/or unverifiable. Despite my attempts to dispute these items directly with the credit bureaus and creditors, the errors persist. This failure demonstrates a lack of reasonable procedures to ensure accuracy in compliance with Section 1681e ( b ) of the FCRA. The presence of these charge-offs has negatively affected my credit score, limited my ability to obtain credit or favorable financial terms, and caused undue stress and financial hardship. 

I trust the CFPB will address this complaint promptly and ensure my rights under the FCRA are upheld. 
Please feel free to contact me at XXXX if additional information or documentation is required. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I would like to dispute off the following items on my credit report. 

XXXX XXXX XXXX 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 Experian : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$9800.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

In late summer last year, I got a notice from my bank that I was overdrawn. I immediately checked my account and found that my mortgage company had double charged me. 
I reached out to NewRez, the company that holds my mortgage. They claimed that there was a miscalculation in my escrow and that it had to get caught up. The also said they had a right to take what they need from my account since I signed up for auto-pay. 
They then raised my mortgage by {$400.00} a month. It has been at that rate ever since. 
I did some research. Between my NewRez statements, and the Tax Assessors office Ifound that my escrow account, as of right now, is 100 % funded right now for the entire year. At {$700.00} monthly, they have me on schedule to pay in {$8400.00} in one year, when my total yearly payout is {$4400.00}.

That is 90 % more, th

an escrow has to pay out, yet I am required to pay in!!!!!! I have reached out to NewRez first by phone and, after being on hold for 2 h
ours, used their email form. They do not have an email address listed. I received no response from NewRez right away. I tried SEVERAL more times to reach them via their phone system. Again, I was on hold forever. I also tried to use their auto callback system. This system claims you will not lose your place in line, and someone will call you back. Must be a long line since I am STILL waiting. 
Eventually I got postal mail from them stating basically we did what we were instructed and if you have any questions call. The number they list is the same number they never answer. 
This has extra charge has been crushing us financially. This will become substantially worse with my wife, as a XXXX  XXXX  XXXX, being forced out of work, since the XXXX  were all shut down. I already had to take a temporary pay cut to make it through the rough times. If they are allowed to continue to violate my finances, on threat of losing my house, I WILL end up losing it. 
I need help to keep my house at this point. They will keep this up till I lose it. 
Anything you can do to help fix this would be much appreciated. 
Mortgage Company Information : Loan ID-XXXX  NewRez LLC XXXX XXXX XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX Tel : XXXX Only way to email them is at this URL. https : //ezhub.newrez.com/home/servicing/help/contact-us
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me. I've tried so many times to get these things removed from my credit report. They report inaccurate and incorrect information and it's illegal they should not report it on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX