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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

I am a realtor and have a property under contract with a buyer and seller. The buyer is using Wells Fargo as their lender and had an appraisal done. The original appraisal came in a little bit over the purchase price and everyone moved forward with the transaction. Then a week and half later Wells Fargo told the buyers that there was an issue with the value. They said the appraiser revised the appraisal down by {$14000.00}. The appraiser returned a call I had made to understand what the process was with the revision and he told me the underwriter had 'pounded and pounded him ' he reviewed his original appraisal and said he made a mistake and agreed with the underwriter and adjusted the value.
Product: Mortgage

I refinanced my home with Rocket Mortgage in XXXX. They charged my escrow for home insurance in both XX/XX/XXXX and XX/XX/XXXX but I was canceled for non payment! According to XXXX XXXX, they were never notified by Rocket Mortgage that they were the new lender and because they did not do this they sent the wrong payment amount in XX/XX/XXXX ( {$1300.00} approximately ). XXXX refunded the premium to XXXX XXXX ( previous lender on file ) and canceled my policy. Rocket Mortgage again sent a premium from my escrow in XX/XX/XXXX in the amount of {$1500.00} and it was again refunded to XXXXXXXX XXXX Sadly, i had damage from a windstorm in XXXX of XXXX and when I called XXXX I was told I had been canceled more than a year ago and had no coverage. I then called Rocket Mortgage sure that this must be a mistake. They admitted the mistake in several phone calls between myself and XXXX. Apparently a calamity of mistakes on both sides. Now Rocket Mortgage is placing me with a lenders insurance policy at twice the rate and charging me a premium for XXXX when I was not insured as well as XXXX. That is just wrong. I have tried filing a claim with their lenders insurance for my roof damage and still have no policy although I have been notified of the exhorbitant premium that will be added to my mortgage. I can not afford my mortgage to be increased nor do I have the premium they are charging me. I am afraid that at the end of the year they will raise my payment to where I can not afford it and then try to foreclose on my home! I paid my premium. They require me to pay through escrow and I trusted them to make my premiums therefore insuring that my homeowners is paid and in effect. Not only are they forcing me into a policy I can not afford but they have ruined my chances of getting coverage elsewhere for 2 reasons. XXXX I was canceled for non payment and had a lapse in insurance for over a year. XXXX I need to replace my roof before anyone will insure me. I also am still trying to locate the missing premiums that I paid from my escrow account.
Product: Debt collection

XX/XX/21 central services contacted my son about my debt rep named XXXX told him The amount of the debt, and who the debt was owed too. The amount he was given was XXXX when I called they gave me XXXX. After she gave me that amount I advised her that my son was given a different amount. Then she stated that XXXX shouldnt have disclosed that information. I was given an option to pay the amount in full today after advising I wasnt able to pay she stated that I could pay on XX/XX/XXXX and that option could be broken into two installments. After not being able to do that plan I asked if the the amount could be reduced she stated no, but then said that it could be reduced to XXXX something but it would have to be paid today. That option wasnt duable for me so I had to decline it. The last option given was to me was to pay 200 something on XX/XX/XXXX and have 3 installments. The rep stated this company does not have a website where I could make payments on for me a verify this information.
Product: Debt collection

I've been attempting the dispute the alleged medical debt incurred 7 years ago as I haven't been to an Emergency room without insurance in over a decade. XXXX/Phoenix has placed this same debt on my credit report twice, so it appears there's 2 debts, ( once under XXXX, once under Phoenix ) They've never sent anything in writing and wouldn't confirm their identity if they called. After doing some research, it would appear that this is a common tactic when a debt is about to be removed due to age. I'm not sure if XXXX and Phoenix are affiliated with each other. It would appear they're trying to " reset the clock '' on a debt I never should've been liable for in the first place.
Product: Credit reporting or other personal consumer reports

I found multiple inaccuracies on my credit report from the bureaus, and I am aware that it is your job is to ensure the accuracy of my credit report. 

Account XXXX : XXXX Account XXXX : XXXX Why is it that this account being reported with 3 different dates of last activity? Why is this account being reported with different date opened? Why is this account being reported with 2 different payment status? Delete the account for inaccurate reporting. 

Once you have finished my request, please send me an updated credit report reflecting my request. 

XXXX XXXX
Product: Credit card or prepaid card

Bank of America issued a credit card and allowed me to make payments through the application. Several months after issuing the account, app access became locked so I couldnt pay my monthly bill electronically. I have called numerous times and requested assistance with fixing the issue. In XXXX of XXXX, I made two payments with the second being on the XXXX of the month as the payment for XXXX. My next payment was made on XX/XX/XXXX. My XXXX payment was paid early and my XXXX payment was paid late but only by 19 days and they reported a 30 day late charge to my credit bureau and defaulted to the highest interest rate and charged me a late fee. They have since removed the late fee but refused to fix the 30 day late payment on my credit report which has caused great problems for me as I am trying to purchase a house. They refuse to fix this mistake and have ignored me despite countless attempts to fix this and their application that still will not allow me to pay my reoccurring bill. I am forced to call their customer service, explain this situation, and be redirected every month. This organization is predatory and steals money and time from the consumer.
Product: Consumer Loan

I financed a XXXX motorcycle in XX/XX/XXXX from a company named XXXX XXXX.I was making payments on time ; due, to them receiving an allotment from my check. In XXXX XXXX, I received a letter in the mail from a company named AFS Acceptance that stated I was to start paying for my motorcycle with their company ; instead of XXXX XXXX. The letter included the wrong information about my bike, how much I owe, the monthly payments, and the dates on the payment coupons. There were numerous inconsistencies causing my wife and I to think it was a scam. I have asked them numerous times to provide me with my original loan that was transferred from XXXX XXXX and they have failed to do so. Now, I have a 90 day past due on my credit report. Also, I signed an agreement at the origination of the loan that stated my loan would not be sold.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report I was shocked to learn I have been a victim of identity theft, I have numerous accounts on my consumer report that wasn't opened by me. I'm in the process of buying a house and this is hurting me please remove this from my consumer report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Suppose to close hard inquiries
Product: Debt collection

During a family court dispute. Court records were falsified an hour after my filing by the accused in retaliation to make me look like I had a mental health condition which I do not. I was detained by the sheriff 's department with my court documents and brought to XXXX XXXX The hospital doctor said exactly on camera that " off the record, I can not believe the judge issued a baker act on such an embellishment of facts that are clearly false. But I can not revoke a judge 's order for a 72 hour hold. The best I can do is release you after 10 hours based on the hospitals policy ''. My insurance was charged thousands leaving me with a balance of {$1300.00} with XXXX Florida XXXX XXXX. I explained to XXXX that not only did they hold a XXXX  women on XXXX XXXX causing undue stress to the XXXX and other children, but I was clearly not insane and was XXXX against my will. They refused to drop the bill and sent my balance to collections which has caused financial injury to my credit score and added XXXX XXXX as if being held against my will was not enough. The abuse caused by the broken court system and hospital policies has allowed sane people such as myself to be victimized by their abusers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach. 100 % wrong and action needs to be taken against actually ALL THREE Credit Bureaus. They have far to much power over consumers by using such lame excuses as " to many inquiries '' to take points off your score. As a consumer, I have the right to shop around for the lowest interest rates as much as I please. I 'm the one having to pay a loan back. 
The second lame excuse they have is when you have a " negative '' on your report and you pay it, it remains on your report for 7 years. That needs to go. 
When is the CFPB going to get some backbone and protect the consumer? Or are you going to remain a powerless Agency at the mercy of big banks and sharks? 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX  violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.

15 U.S.C **** section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 ***********. ( 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 ************* ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact XXXX XXXX XXXX several times to request written proof of this debt, but they have failed to comply with this request.
Product: Debt collection

This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XXXX XXXX. I have no contract with this company. The account that they are reporting was charged off in XXXX XXXX. I would like the collections account on my credit report from Portfolio Recovery Associates, LLC to be deleted due to false information. I paid the original creditor " XXXX XXXX '' the remaining balance before it was sold to Portfolio recovery associates, LLC. 

Also, this company is not authorized to collect debt in the state of Florida according to the secretary of state. 

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

Affidavit of Demand XXXX XXXX XXXX XXXX OF PENNSYLVANIA XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Dear Transunion FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC XXXX Identity Theft Victim 's Complaint and Affidavit. Under FCRA XXXX ( XXXX XXXX. XXXX ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC XXXX XXXX report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Transunion, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Transunion. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last XXXX digits : XXXX XXXX : XXXX/XXXX/XXXX cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : PA Banking and XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Synchrony Bank the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.4 states that you must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to ( 1 ) the customer and ( 2 ) the consumer. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my 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 XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX and XXXX. I received a lot of pre approvals from credit karma. Telling me to apply for personal loans and credit cards. I went and applied for these offers and was not approved. I would see these offers everyday when I logged into the site. This has damaged my credit report severely.
Product: Credit reporting or other personal consumer reports

Hi! 

I didn't give companies permission to view my credit score. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> CAP XXXX NA XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00}
Product: Vehicle loan or lease

Bought a XXXX XXXX from US Auto Sales in XX/XX/year>. Months later they shut down without notifying me and my loan was transfer to another company XXXX, didn't know until the last minute. I believe I am being charged extra because the amount that I was told to pay is included with a warranty but now I don't have that and still making extra payments. I am glad that I ran across this article because the new company could not help me at all.