23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX 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 XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

HI, The company EOS CCA XXXX XXXX XXXX XXXX XXXX XXXX keeps sending me letters when I 've told them over and over that I never had this account with XXXX XXXX XXXX balance at all XXXX XXXX XXXX verified that there is a XXXX balance since XXXX account # XXXX Please get this company to STOP Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN Reporting the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as LATE on my credit report which has affected every aspect of my life negatively. 

Reason : My bank rejected the payments, but as the documentation shows I was a victim of Identity Theft and as an error they rejected it. They have requested ONEMAIN to remove this because this is not my fault. I don't have control with what happens with the banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX Account # XXXX ; XXXX XXXX  Account # 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
Product: Debt collection

Date : XX/XX/2021 Amount : {$2300.00} Collector has sent several communication mailings and phone calls regarding the debt
Product: Mortgage

This company has been adding double the taxes owed in my escrow which affected my mortgage payment. Therefore, I am doubting my monthly payment is correct and inflated. In the process of consolidating my mortgage, car loan and personal. At that time the company noticed the mortgage company was charging me double the taxes than I owed. I called the company to get an explanation of what and why this was happening. XXXX ( rep ) told me they would open request and I could call back in 24 - 48 hours. When I called back, one of the female representatives told me she dont know why he was told me something like that. There wasnt a request done to them charging double the taxes added in my escrow. On XX/XX/2024, I called again and the request for research hadnt been processed.
Product: Debt collection

I have been in repayment of my student loan for almost 4 years now. Over this time period there have been many occasions in which I made payment but still received collection calls. After the first call I resolved the issue ( or so I thought ) but still receive repeated calls with the explanation that they ca n't stop calling until they resolve the problem. I receive calls every few hours with no end even after wasting hours in the beginning sorting out the issue. I believe the only purpose of the calls is so they can have a record that they attempted to collect the debt, not to actually help resolve the problem. I understand mistakes are made but this has happened multiple times without any apology or attempt to resolve the issue. If the error is the fault of the company I should never receive another follow up call if it 's taking them time to resolve. There was one situation in particular that I had to deal with a month of harassing calls every few hours daily because Citibank deposited my payment into the wrong account and they were unable to resolve the problem expeditiously or take me off the call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which, I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. 

By law, per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. 

If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 

XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Auto Finance Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Auto Finance Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX - Direct Inquiry from XX/XX/XXXX If you find the inquiries referenced above to be valid through physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}
Product: Mortgage

In XX/XX/XXXX XXXX offered to forebear some mortgage payments because the area we live was declared a federal disaster area after a Hurricane. 

All payments agreed were made on time as requested with no late fees or letters In XX/XX/XXXX the account was sold and Shellpoint began to administer the account All payments were made on time with no late letters In XX/XX/XXXX the HAMP/HARP payment of {$5000.00} should have been awarded. Shellpoint refused and started sending me late letters and charge me for home inspections. 

After I proved the facts they eventually agreed to credit the {$5000.00}, which they had no choice after acknowledging I was never late and therefore entitled to the money However, they refused to refund any fees They also decided to incorrectly list me as owing thousands more than I did with the Credit Agencies and show no payments How can I be on time ( therefore receiving HAMP {$5000.00} ) and in arrears. 

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

Experian is reporting a collection account from XXXX of {$460.00}. The address and Ssn linked to this account does not belong to me. Please have them remove it.
Product: Mortgage

Cardinal financial through its agent XXXX XXXX bullied and intimidated my husband and I and tried to convince us to sign documents that were different from the disclosures we were given. When we did not sign the incorrect documents, cardinal unnnecessarily delayed our loan and XXXX XXXX called me and yelled at me telling me he did not appreciate me telling him it was illegal to send me documents for closing that were different from the disclosures I signed just the night before. XXXX XXXX was a rude and belligerent bully. I am XXXX and my husband required XXXX care for XXXX. And cardinal tried tricking us into signing the wrong documents. XXXX XXXX told me to sign the incorrect forms and I have XXXX days to cancel the loan if cardinal does not fix the loan documents. When I refused, XXXX XXXX got angry. 

The original loan closing was on XXXX XX/XX/2022. I approved the disclosures the night before. When the notary arrived at XXXX on the XXXX, the documents she had were different than the ones I signed. I called XXXX XXXX and he said just sign the documents because I have XXXX days to revoke the loan. I refused to sign incorrect documents. XXXX XXXX called me the next night very angry that I told him its against the law to change the disclosures and that there are laws to protect the elderly and XXXX from what XXXX XXXX tried to do to my husband and I. 

Despite XXXX XXXX claiming that the corrections to the closing documents were a quick and easy fix, it took Cardinal Financial until XXXX XXXX to complete my closing papers a second time. This time, cardinal scheduled the close, but the title company claimed they could not get the documents ready in time and they tried to reschedule the closing until later in the day. Because my husband is XXXX, the changing schedules put a lot of strain on him. 

The night before the second closing, XXXX XXXX asked me to go into the online account and approve the disclosures. There were XXXX sets of disclosures. XXXX of the disclosures were incorrect. I was confused so I emailed XXXX XXXX telling him the disclosures were still wrong. XXXX XXXX berated me for not being able to find the disclosures with the correct numbers. He asked me to sign all three sets of disclosures and I refused to sign the incorrect disclosures. He got angry and flippant with me. 

This was a horrible experience and I repeatedly felt bullied by XXXX XXXX to sign incorrect documents. We all make mistakes, but expecting elderly people to sign incorrect documents because loan processors make mistakes seems grossly unfair and I can not believe cardinal finanacial and XXXX XXXX are allowed to act this way.
Product: Credit reporting or other personal consumer reports

There was apartments that I applied for and couldn't get approved due to wrong information and alot of wrong addresses debts and more. 
I had to keep disputing information This credit bureau was allowing company 's to place false information on my credit report
Product: Credit card

Capital One closed my account and told me that I can apply for another credit card. I applied for the credit card on XX/XX/2024. The credit card was approved and I submitted a deposit of {$250.00} rather than the required {$200.00} on XXXX XXXX. I received an email stating that my security deposit has cleared and that I would be receiving a new card. I received another email stating that my card was shipped and the funds were ready to use. I finally got the card today XXXX XXXX and after I activated it I was told the account was closed. Capital One never made any mention or communication stating that there was any possibility that I would have to pay the deposit, receive a new card, and then have the account closed or restricted. I called them and was told that I should apply for another card and make a deposit. I asked for the manager who also advised me that I should reapply for a new card in a few months because they closed my new account. I didnt agree with that so the credit manager said I would receive a refund in XXXX billing cycles and that they would not reopen my account. Now I am completely broke and I am owed {$250.00} that I wont see for a minimum of XXXX months. This is outrageous, it is false advertising, and I want to proceed with a lawsuit against them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment on my credit report by XXXX XXXX XXXX XXXX, account number XXXX. This late payment, allegedly from XX/XX/year>, is incorrectly reported, as my payment history with XXXX XXXX has been consistently timely and current. The reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Equal Credit Opportunity Act ( ECOA ). 

1. Fair Credit Reporting Act ( FCRA ) Violations : The FCRA ( 15 U.S. Code 1681 et seq. ) requires that consumer reporting agencies maintain accurate and complete information. The inaccurate report of a late payment in XX/XX/year> is a violation of 15 U.S. Code 1681c, which mandates that only accurate and verifiable information be reported on a consumer 's credit file.

Under 15 U.S. Code 1681i, I have the right to dispute any incorrect information on my credit report. I am requesting an investigation into this discrepancy, as I can confirm that no payment was late during the specified period.

2. Fair Debt Collection Practices Act ( FDCPA ) Concerns : The FDCPA ( 15 U.S. Code 1692 et seq. ) emphasizes that all debt-related communications be fair and transparent. The misreporting of a late payment, especially when incorrect, constitutes a misleading representation and a violation of 15 U.S. Code 1692e, which prohibits false and deceptive practices in debt collection.

3. Truth in Lending Act ( TILA ) Violations : The TILA ( 15 U.S. Code 1601 et seq. ) promotes transparent and accurate credit disclosures. The reporting of a non-existent late payment obscures the transparency required by TILA and misrepresents the terms and status of my credit relationship with XXXX XXXX. 

4. Equal Credit Opportunity Act ( ECOA ) Implications : Under the ECOA ( 15 U.S. Code 1691 et seq. ), I am entitled to equitable treatment in all credit-related matters. The inaccurate reporting of a late payment can unjustly impact my creditworthiness and limit my access to credit opportunities, thus violating my rights under the ECOA. 

5. Request for Investigation and Correction : In light of these considerations, I am requesting that XXXX : Investigate the alleged late payment reported by XXXX XXXX XXXX XXXX and verify its accuracy with supporting documentation. 
Correct the erroneous late payment entry to reflect my actual payment history, which is current and on time. 
Provide written confirmation of the investigation 's results and any corrections made to my credit report. 
Enclosed with this letter are copies of my credit report, identification, and any supporting documentation, such as payment receipts and account statements, that demonstrate my timely payments. 

Thank you for your immediate attention to this matter. I expect a prompt resolution within the legally mandated 30-day period, as provided by the FCRA. I look forward to your confirmation of the removal of this inaccurate information from my credit report.
Product: Mortgage

Commerce bank needs to record a release on instrument XXXX in XXXX county Missouri. Please investigate a payment made in or around XX/XX/XXXX and refund any payment made after XX/XX/XXXX payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation did not fix error. Equifax said I am a credit repair company, I am stating that I am not a credit repair company and this account is reporting because my information was stolen. I am stating I had nothing to do with this and if they verified my information on file that is because someone stole it and used it without my authorization.
Product: Credit reporting or other personal consumer reports

unfortunately, l am a victim oXXXX XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed atter I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

I am in a program with a seller whom I gave a {$6000.00} down payment and a portion of my rent goes towards the principle of the loan/or at closing. My seller now has accumulated {$16000.00} of my cash.I have 3.5 % to bring to closing on my home loan that should be {$110000.00} for the amount financed. The original purchase price is {$130000.00}. The amount paid to seller is {$16000.00}. Bringing my total cost of the price of the home down to {$110000.00}. Additionally, I will pay another {$500.00} for the home inspection. I have been pre-approved through Rocket Mortgage and I am in fear of losing my house because they keep changing the stipulations on me. They are telling me that the seller has changed the price of the house to I {$130000.00}. I have spoken with the seller of the house and he agrees with me that the closing price will be {$110000.00}. Rocket mortgage is telling me that I need to bring {$20000.00} to closing. I only have {$9000.00} in my bank. They initially told me that my closing cost would be included with my loan and that the only thing that I need to bring is less than {$4000.00} to closing. They keep changing the stipulations but refuse to talk to me. I have been refused a supervisor and I have also been reassigned to another loan specialist who refuses to talk to me. I had a meeting to speak with him this morning and wanted to include my dad because he understands finance language. Again the loan specialist refused to speak with me saying that he does not have time to explain things to me and I need to figure it out. Please audit my account, do you have my permission to pull phone calls, and help me. They tell me they do not have time and that I either do what they say or they will dissolve the loan. I need help because my family and I will not be able to close on this loan and we fear being outed to the street. We have lived in this house for three years abiding by the sellers program and we are in good standing with him. Please help us!
Product: Vehicle loan or lease

On XX/XX/year> I contact the company auto finance and asked the company to come and pick up the vehicle. I voluntarily gave the vehicle back to auto finance and they came out on XX/XX/year> to pick up the vehicle. A letter was sent to me stating that they will auction off the vehicle and send the paperwork to me once the vehicle has been auctioned off. The letter was received back in XXXX and I haven't heard from the company since. I disputed the collection with the credit bureau and still have not received any information pertaining to the vehicle. I have asked for a copy of my loan and also asked for a copy of the vehicle being sold and still have not received anything. The company is overcharging me with fees and interest and have been doing so since I've had the vehicle. I need my contract and I need the paperwork where the vehicle was sold and the amount. I never signed a contract with the company and since they are stating I signed a contract I want a copy to see my signature.
Product: Debt collection

I am writing to express my deep frustration and confusion regarding the handling of my recent dispute by your bureau. Despite my repeated attempts to address a specific account on my credit report, XXXX XXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}, there has been a noticeable lack of compliance with the law compared to other credit bureaus. I want to bring to your attention that both XXXX and XXXX have already acknowledged the presence of an error in their records and promptly removed this account. I find it perplexing that your bureau has verified this account, especially when other major credit bureaus have taken corrective action. This lack of alignment with industry standards and legal requirements is causing me considerable annoyance and inconvenience. I expected a consistent and accurate representation of my credit information across all major bureaus, and the deviation from this expectation is both surprising and frustrating. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX student loans in forbearance with XXXX totaling approximately {$4400.00}. Of that amount {$XXXX} is a subsidized loan with a principal balance of {$XXXX} and {$XXXX} interest opened XX/XX/XXXX. The next payment is due XX/XX/XXXX. 

Also on my report is an account with XXXX XXXX XXXX with a balance of {$XXXX}. This account is in collections and it was originally opened XX/XX/XXXX. 

The account in collections ( XXXX  ) is a duplicate of the account thats in forbearance ( XXXX ) and has caused me an issue obtaining a needed automobile loan as recent as XXXX XXXX.