23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I specifically requested the loan originator on XX/XX/XXXX we did not want to have a interior appraisal during these difficult pandemic times. He suggested Rocket Mortgage would possibly be willing to waive. We further proceeded with the application. Days passed in which we provided necessary documents were requested. After a few days XXXX XX/XX/XXXX. XXXX ), the appraiser called to schedule the appraisal. We questioned if we was aware it was an EXTERIOR ONLY. He stated he was not advised of that. He additionally stated he was told to perform both exterior and interior. 

Considering the heightened concerns of COVID-19, we were adamant about protecting our home ... our SAFE HAVEN, as well as ourselves. After repeatedly expressing this awareness, Administration/Management has done nothing more than defy our safety and health for the sake of mandating inconsiderate guidelines. 

We were in the process of a conventional loan, but wanted to utilize a VA loan for the first time. The loan originator felt the conventional would save us more. When the dispute carried on for several days, we requested to switch to a VA. Primarily because we were aware interior appraisals were not required. Veterans Administration printed a circular ( page 2- item 2/b )., If either party does not wish to move forward with the interior inspection or does not meet the criteria listed above, the appraiser may move forward with an EXTERIOR-ONLY appraisal with enhanced assignment conditions. Lenders may not direct the appraiser to conduct an interior inspection. 

This statement is found under Purchase or Refinance Transaction ( property occupied ). The items listed above are all relative to NOT HAVING XXXX  symptoms, HAS NOT BEEN quarantined ... none of which applied to us. Therefore, we DID NOT MEET them. Circular XXXX found on Benefits.VA.gov This angered us to know Rocket Mortgage ignorance of interpretation violated our rights to insist on an interior appraisal in order to finalize loan approval. Thus subjecting our safety and health during the coronavirus NOW with deadlier strains that are worse than COVID-19 during the time the circular was initiated ... XX/XX/XXXX.
Product: Vehicle loan or lease

On XXXX/XXXX/2019 I signed a retail installment contract to finance a new XXXX XXXX XXXX ( Amount financed XXXX - 3.99 % APR - 72 months ) through TD Auto Finance. The deal structure contained a trade with XXXX negative equity for a vehicle my wife and I have financed through XXXX, I left the dealership without taking delivery of the vehicle and with the paperwork to have my wife sign the title to the XXXX over and go through with the deal. My wife refused to sign the paperwork, so I called the dealer to ask if they could flat cancel the deal prior to funding the deal with the bank on XXXX/XXXX/2019. 

On XXXX/XXXX/2019, I spoke to the general manager of the dealership and was notified the deal was flat canceled and the payment ( check ) to XXXX XXXX for the trade was canceled as well.I received a statement from TD Bank on XXXX/XXXX/2019 notifying me that my payment was due on XXXX/XXXX/2019. I called TD Auto Finance and was routed to their dealer management department which I provided my complaint that this was supposed to be flat cancelled and I don't actually have the vehicle they're asking me to pay for. TD Auto Financed informed me that they work with a network of dealers, will have to talk to the dealer, and that they don't have responsibility to monitor whether every deal is credible because they're essentially just buying the contract the dealer executed. I've talked to the dealer multiple times between XX/XX/XXXX and XXXX/XXXX/2019 and have been told that the bank should have flat canceled the deal, we did flat cancel the deal and we will call the bank and straighten it out. I have also talked to TD Auto Finance multiple times and they've told me that the dealer wants to work with me to a resolution, and that this isn't their problem, they'll hit my credit if I don't make my payment within 30 days of the due date.
Product: Credit reporting or other personal consumer reports

I checked my report on XXXX XXXX, XXXX and realized the inaccuracies reporting. XXXX, XXXX , & XXXX are reporting inaccurate late payments with XXXX XXXX XXXXXXXX for XX/XX/XXXX and Mr.Cooper/Nationstar Mortgage acct # XXXX I was never late for any payments with this company. They are fraudulently reporting information that is tarnishing my credit report these accounts needs to be updated to payments on time. I have attached the letter from Mr.Cooper with the correspondence regarding " Covid-19 recovery Standalone Partial Claim '' that I was approved for during the time stated that I was late. This needs to be updated as this was agreement between Mr.Cooper and I, the consumer. Payments were never late, they were deferred due to this program.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in good standing and is not being reported on any of my credit reports. 

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

Hello I remember last XXXX when I was exempted from bankruptcy and all my debt was wiped out, but after asking Goldman Sachs many times, they're ruining my credit rating without releasing it, other credit card companies have unlocked it and then they've closed it, but the Apple card is still on my report. This is wrong. They're doing something illegal Other card companies have been terminated and exempted, but Apple Card is not doing so.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three CRA.
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 any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking of 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 : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; 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 XXXX XXXX XXXX XXXX XXXX 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 ; 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

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate 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 investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and complained about a fraudulent account appearing on my credit report ( XXXX XXXXXXXX XXXX  Credit card ). I was transferred to the fraud department and they requested I submit and FTC report. Which I did to the 3 bureaus, XXXX and XXXX were able to validate my claim and remove fraudelent account. Experian is the only one that has yet to remove the fraudelent account. This is really affecting my personal finances as I try to keep everything in order and pay all my obligations on time. It is also affecting my creditworthiness, and I'm being rejected for housing or apartments. I already explain to them that my information has been made available to the dark web, due to several breaches. My information was breached in the XXXX XXXX, XXXX and XXXX XXXX XXXX. 
This has been a real exhausting process, and a stress on my poor health. I do not know what else to provide them, to proof that I did not open said account. My next step is to go out of my pockets and get an attorney involved to help me resolved this issue. The account is XXXX XXXX business card which I never applied for.
Product: Consumer Loan

CPS has harassed me for years by calling my work place and cell phone at least five times a day each ( from about XXXX different phone numbers ). They 've contacted my supervisor, Benefits coordinator, ex husband, parents, friends and even the salesperson who sold me the car regarding payment. They have used threat tactics on my exhusband ( threaten to charge his card if I do n't pay by due date ). They 've taken payment on unauthorized dates, and threatened to pick up my vehicle if I was unable to comply when they wanted me to even though I was proactive and trying to negotiate with them due to a nasty divorce. They have embarrassed me to friends, family and coworkers. I tried to sell my vehicle and settle with them but because I was about XXXX short on the sale price, they did n't go through with it. They were not willing to negotiate but they were willing to bully and intimidate. I opted to voluntarily surrender the vehicle but they picked up my vehicle before I could. They never returned my plates and I never got a chance to obtain my personal belongings from the vehicle. I requested documentation and a full accounting of my account, and to date they have not responded to me but are still reporting to the credit agencies. They are reporting a past due balance and a charge off balance on my reports. Before the they took the vehicle they engaged in illegal harassment practices and I am sure they did the same when taking the vehicle. This company has also loss in a class action suit against them that I was unaware of at the time. My situation is n't an isolated incident, this is how they practice business. I am highly distressed over the negative impact this has had over my life and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car insurance company has a non-moving violation showing on my daughter 's driving record report, and she has never had any violations. I also confirmed this at the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX {$1300.00} XXXX-XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries -  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've sent in several disputes asking for proof of late payments and Equifax failed to send me any documents instead they sent updated credit reports saying the information was verified. The last dispute XX/XX/2023 they told me PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. so I resubmitted the dispute even though I was specific. XX/XX/2023 I received a letter in the mail stating they would not look into the accounts I was disputing anymore. Per the FCRA I have a right to accuracy, fairness, and privacy and Equifax has continued to treat me unfair and display inaccurate information in my credit report that's causing me a great deal of financial grief.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKRPTCY : Reference number XXXX XXXX filing date XX/XX/2019. Please provide proof this account belongs to me. Reporting this false information violates my rights. Please provide where you are verifying this false information as it has been removed from several third party reporting agencies due to be inaccurate. Please provide your source of verifying. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

After discovering that my daughter was involved in a social media money scam, my husband and I contacted USAA informing them that multiple fraudulent transactions were being deposited and withdrawn from the account. Even after several calls on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX, USAA continued to allow funds to be withdrawn and checks deposited on XX/XX/XXXX. We also filed a police report and submitted the information to USAA as well. We are a military family currently residing in XXXX since XX/XX/XXXX. The transactions were made in the XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXarea. It is very frustrating that after making multiple phone calls and submitting a fraud claim USAA is still holding my husband and liable for the full amount. While we understand that our daughter made a terrible mistake, USAA should have stopped all transactions from going through on this account. We have also been informed by a USAA representative name XXXX that the account activity that reported as being unauthorized was never flagged as fraudulent and were just allowed to go through. The account has been overdrawn for XXXX and now they have offset our accounts, which is financially devastating our family and leaving us unable to pay our mortgages and car bills. They have applied a temporary credit on the fraudulent transactions but have still frozen our accounts while they are conducting their investigation. It is my understanding that the purpose of the credits are to keep their customers life from being interrupted while they conduct their investigation? This is just disheartening because of the number of years we have been with USAA ( almost 20 ). Any assistance you can offer would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to credit agency and ask them to update my credit file to reflect the correct address and spelling of my name on the account. 

Please remove the following addresses as I do not reside there or ever lived at that address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct address that should be listed is XXXX XXXX XXXX XXXX My name is also incorrect on the report please remove the incorrect names : XXXX XXXX XXXX XXXX My name listed should be listed as XXXX XXXX XXXX. 

Current Employer is XXXX XXXX. I have never worked at XXXX XXXX. 

Please update my name and address as this is incorrect and causing an issue when I apply for certain items that require a credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX attempted and successfully was able to pull a hard inquiry on my Equifax credit bureau without my consent. A security freeze and fraud statement exists. I contacted XXXX XXXX and was advised that the hard inquiry would be removed within 30 days. Here is a copy of the email on XX/XX/2020 : Were happy to help resolve this issue. 

Dear XXXX XXXX, Thanks for reaching out to us. 
A request has been submitted to the credit reporting agencies depicting a hard inquiry on your credit report for the XXXX XX/XX/2020 credit check to ensure that information no longer appears in the hard inquiry section of your credit report. 
Please be advised it may take such agencies up to thirty ( 30 ) days to update their records.

I have waited for months and the hard inquiry remains. I contacted Equifax and they will not remove the inquiry stating that I must contact XXXX XXXX again. Going through the fraud department of XXXX is very time consuming and they did not correct the error that they did and remove the fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX  Account # XXXX : XXXX 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, 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 customer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordancewith the Fair Credit Reporting Act ; the list of accounts below has violated myfederally protected consumerrights to privacy and confidentiality under 15 USC 1681.

Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX 15 U.S.C 1681 Section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : States that a consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1681c. ( A ) ( 5 ) : States that consumer reporting agencies can not include adverse items of information ( other than records of convictions of crimes ) that are more than seven years old.

15 U.S.C 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Carrington Mortgage had promised not to report my mortgage being behind ( XXXX ) as a result of XXXX. However, now this is coming up with my commander that I was behind and my clearance has been suspended leaving me without work once again as a result of the mortgage company. Also, had to contact XXXX with the same information and they responded with they dont follow under XXXX guidelines nor the soldiers act. Im desperately looking for some assistance son this matter and cant afford an attorney. In the mean time, Im still without my position at the XXXX all as a result of my credit report being affected by XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that at current time TransUnion is reporting incorrect information and or incomplete information that is violating the F.C.R.A. and Due process of federal law which is adversely affecting my credit rating.A dispute was filed and TransUnion denied dispute and verified information on report as accurate and updated the report. A copy of TransUnion report is herein included for review to see errors and discrepancies. The account being reported is from a debt buyer named lvnv under account # XXXX. Said errors or violations are as follows : 1. On report under account type, it shows account is open. This is incorrect and false. XXXX is not a creditor but a Debt buyer. XXXX can not extend credit to anyone. XXXX can not have a open credit type with anyone and should not be reporting any type of account except collections. Further more, I have no agreements with this company either.No collection account should have a account type as open. This is falsely reporting information and should be considered fraud. 2. On this account, lvnv is reporting a balance and past due amount. Any recent balance reported by lvnv is in error. There should be no payment history to report because lvnv is not a creditor. Nor should lvnv be reporting a past due amount because they are not a creditor and can not report a past due or current status. 3.Date opened is missing. 4. Date closed is missing. 5. Date of last activity is missing. 6. Date verified is missing also. Errors 3 through 6 make report incomplete and unverifiable also.