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

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Barclays Credit card. XXXX sold me the wrong laptop and then the keyboard never worked since the purchase. Tried to exchange with no luck.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 attempted to login to my Experian account. This account has not been used in the last 7 years. I now have a new phone number. My email is the same. 

If I try to login with email, it asks for phone. I can not give old phone number ( XXXX ) because a code will be sent to the random person who now has my old phone. If I choose " try another way '' and give my new phone ( XXXX ) and social security number, it fails to send a SMS to the phone with a sign in PIN. The website simply says that the code was sent. I pressed " RESEND '' link several times, as well as repeating the process over and over again. I have tried several times for 45 minutes and never received a SMS text or a voice call. I also tried with my business number ( XXXX ) and did not receive a text or voice call. 

I also tried to login using XXXX and that failed too. The website displayed a pink banner that said something went wrong. 

So I telephoned XXXX. I am given two options : 1, " report fraud '' ; and 2, " ask for credit report ''. I just want to reset my password, so neither option is correct. I tried the " report fraud '' option, and although I was able to unfreeze my credit report ( which I needed to do ) I was unable to get a password reset. 

I also telephoned XXXX and had similar results. There simply isn't any way to get a password reset or to get a person. If asked if I want " something else '' the phone cycles back to " report fraud '' or " ask for credit report ''. It is maddening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX  are all reporting my student loans unlawfully on my credit report. according to Washington state RCWs > Title 19 > Chapter 19.182 a consumer can not report accounts more than 7 years old. I have disputed all credit reporting agencys mentioned and was refused the correction. I have also disputed the wrong social security number being reported on my Experian credit report and the agency refused to fix the correction. I have also disputed my name being reported incorrectly and multiple times on experian and the agency refused to make the correction. The agent on the phone told me that it does not matter that my name is reported the way it is and that he was not going to remove it. I have also disputed wrong addresses being reported on all the mentioned credit reporting agency 's mentioned. the agencies are still reporting the wrong addresses. 

According to the cares act that has been passed due to coronavirus pandemic, Student loans are required to report cuurent status of loans as current and paid. Experian XXXX and XXXX are all reporting my student loans as past due and not current. I have complained of this recently and i have not gotten any corrective action, My civil rights are being severly violated XXXX is reporting wrong information about me to businesses causeing adverse actions they are also reporting information that should not be reported because the information is more than 7 days old. I have complained to Washington states Attorney general. XXXX responded claiming to be a reporting agency reseller but is being listen as a credit reporting agency on one of the adverse letters i have recieved from the business i was dealing with. 

the economical difficulties i have experienced from these credit reporting agencies has severly affected my family. I have children that have health issues that have been refused stable housing. I am a victim of XXXX  XXXX and i suffer from a XXXX XXXXXXXX. I have submited complaints to the department of education multiple times on the reporting on my credit report and i have not gotten any help. 

I am an XXXX american woman single mother low income and current on public housing assistance. The negligent acts of these businesses has restricted me from recieving services that would enable me to sustain a suitable life for myself and my children. I do not have the financial means to afford an attorney and have been forced to deal with the burden of these businesses. I feel victimized behind XXXX discrimination based on my race, family status, and XXXX. I have not had any corrective action dispite my multiple attempts to correct. I would like to peruse civil action against all parties involved
Product: Mortgage

Please be advised that I purchased a home on XX/XX/XXXX, I purchased the home with monthly payments calculation of XXXX with insurance and taxes. 
I was paying through XXXX until XXXX XXXX without no problems, lender was withdrawing automatically from my bank account. Suddenly, on XX/XX/XXXX, I RECEIVED a mortgage payment for {$8000.00}. I was XXXX and I called them and requested an explanation with no respond. Everyperson were saying something different. They were saying first the insurance with wind and other were saying short escrow. Every time that I called, I requested for them to record conversation in case that I need to go to court. I am very distress because they added wind coverage which it was not requested 2 years ago plus they backdated the escrowed since the time of purchased. I send last year on XXXX a certified letter for them to send me an explanation and still I did not received such letter. I am in a very bad situation because I am not in the position to pay such amount of money especially when the lender took my insurance without wind and they added insurance backdated. I had found that Select XXXX  has similar sued from different people like XXXX Virginia consumer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX case XXXX XXXX District Court SD FLORIDA. 
The following are my complaint : Mortgage holds the funds in an escrow to pay taxes and insurance on behalf of borrower which this arrangement are not explained thru fully to the consumer. 
XXXXThe lender is required to provide with mortgage service disclosure statement with details. 
XXXXIf cost of homebuyers is inflated beyond what is standard, this can also be consider RESPA VIOLATION. 
XXXX The fraudulent deceptive and unfair tactics to make us believe that the mortgage monthly is appropriate and later we can not afford it. 
I have all the proof which I am also consider writing to the Department of Housing about this. I am in a situation where Select Portfolio has been sending letter treated me of foreclosure the home. 
PLEASE let me know what you need from me to send, I am not able to pay any longer outrageous modifying fees from Select Portfolio. 
I have been borrowing money and I am up to date. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Director Consumer Financial Protection Bureau [ CFPB Mailing Address ] Attn : XXXX XXXX, Complaint Subject : Opting Out of Authorization and Request for Corrections Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the FCRA, that I am opting out of any and all authorizations provided under 15 USC 6802. This opt-out includes written, unwritten, verbal, and non-verbal authorizations and is effective immediately and indefinitely.

Upon reviewing my credit reports, I have identified several issues that require your attention. It has come to my notice that third-party reporting agencies are disclosing my private information to all three credit bureaus, violating my Privacy Right under the Privacy Act of 1974.

Additionally, there are charge-offs listed on my credit reports, which I believe should be considered a " Certificate of Indebtedness '' and removed, as income can not be reported to my credit report according to the law.

I would like to bring to your attention that all my bank accounts are insured under 15 USC 1681, and I have not received any interest or payment. I provided a security under 16 CFR 444.1.
Product: Mortgage

I am submitting this complaint, because since I've bought my house in XX/XX/XXXX I feel that Lakeview loan services has mishandled my escrow accounts. As a result I've owed almost {$2000.00} in property taxes in XX/XX/XXXX, and XX/XX/XXXX. Each time I was given less than 30 days to pay this amount. In addition my mortgage payments have risen over {$150.00} and may rise as much as {$300.00}. Below is a chronological description of the past 2 years, and the reason why I feel that a complaint is warranted. 

What you won't see is the supplemental tax that I paid in XX/XX/XXXX which was approximately {$1900.00}. You also wont see the mortgage increase from XX/XX/XXXX 0f approximately {$40.00}. 

Lakeview loan services sent me a notice that I have an Escrow Surplus/Shortage of {$1900.00}. On a statement that was sent to me I see an escrow shortage of {$300.00} in the month of XX/XX/XXXX. As of XX/XX/XXXX the same statement shows an escrow balance of {$800.00}. 




In XX/XX/XXXX my insurance will rise from {$740.00} to {$960.00} In XX/XX/XXXX property taxes will become due in the amount of {$3500.00}. 




Lakeview loan services is telling me I have a escrow shortage of {$1900.00}, and if I pay that shortage my monthly mortgage payment will also rise from {$2200.00} to {$2400.00}. My monthly escrow contribution will then rise from {$550.00} to approximately XXXX. 




As of XX/XX/XXXX when I make my mortgage payment of {$2400.00}. take from that XXXX for escrow. I will pay {$1900.00} that Lakeview is saying that I must pay to keep my mortgage from going up to {$2500.00}. When I factor in the balance that I can prove on the statement of {$800.00}. All total that will put my escrow balance at {$3300.00}. Out of the {$3300.00} Lakeview loan services will pay my insurance of {$960.00}. My balance will fall to {$2400.00}. 




My next escrow disbursement will be in XX/XX/XXXX. It will be for property taxes. From my XX/XX/XXXX through XX/XX/XXXX I will make my mortgage payments Each of those months will yield {$670.00} for a total of XXXX. When I total that amount with the {$2400.00} it comes to {$5700.00}. 




In XX/XX/XXXX Lakeview loan services will disburse {$3500.00} to property taxes on my behalf. from the last paragraph Balance of {$5700.00}. That will then leave a balance of {$2200.00}. 




From XX/XX/XXXX through XX/XX/XXXX I will continue to make monthly mortgage payments of {$2400.00}, yielding {$670.00} per each of those months. That comes to a total of {$2700.00}. When added to the {$2200.00} mentioned in the last paragraph the total becomes {$4900.00}. 




The XX/XX/XXXX disbursement to property taxes made on my behave by Lakeview loan services of {$3500.00} that will leave an overage of {$1300.00}.
Product: Mortgage

My name is XXXX XXXX.  I live at XXXX XXXX XXXX XXXX Ga. XXXXBoth my name and my wife's is on the deed.   However, only my wife's name is on the mortgage.  I want to stop them from refinancing and taking out all the equity in the home so that I lose my life's savings.  The mortgage company is named Freedom Mortgage CorporationThe account number is XXXXThe Phone Number is XXXX XXXX XXXX XXXXNMLS number is XXXXFreedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXNMLS ID: XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to all XXXX, Experian, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau reporting inaccurate information. I have disputed issues for over a year. To date, no fair resolution. 

Under the federal Fair Credit Reporting Act ( FCRA ), consumer reporting agencies, as well as companies that provide them with consumers data, must report accurate information and fix errors that have been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have requested validation { not verification } of a medical debt reported to you by PHOENIX FINANCIAL SERVICES LLC on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

PHOENIX FINANCIAL SERVICES LLC, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to XXXX, XXXX and XXXX to let them know this debt is in violation of HIPPA but XXXX Or XXXX didnt delete it form my report, while Transunion did delete it..
Product: Credit card

In XXXX we purchased a timeshare in XXXX and when we tried to use it they never responded. There have been numerous charges against them on the XXXX XXXX as being fraudulent/scam. All of our charges on our XXXX CC were reversed back to us, as all of our charges on our Chase card in XXXX XXXX. On XXXX/XXXX/XXXX we received a letter stating the charges were all charged back to us and that we could appeal. I have sent numerous letters to Chase, including the extra documentation they wanted ( proof that XXXX credited our account, information from the XXXX XXXX ). I still did n't hear anything from Chase. I used their online dispute system and sent inquiries, no response. I then called in XXXX, spoke with XXXX who said I would receive a credit on my card by XXXX XXXX. Nothing. I called again on XXXX and spoke with supervisor XXXX who said they could not credit my account until they get the money back from the timeshare bank. Upon further discussion, they were calling a customer in XXXX ... this is a XXXX company. I gave her the correct number and she stated someone would be calling them and then would let me know the outcome. I asked for a followup date, she could not give me that. I asked for her contact information, she said she could not give me that as well. I then called again on XXXX/XXXX/XXXX and spoke with supervisor XXXX XXXX. He said I would hear in XXXX week the results. I asked if we can make a decision now. He said no. After a lot of discussion, we decided to call XXXX XXXX XXXX together on the phone - which they said no one answered. So we called on a XXXX call, they did answer and were answering our questions, then was disconnected. I 'm not sure who disconnected the call. It 's been more than week as XXXX has said, and still no response. 

I just want the charges credited back to my account and the interest that has been accruing all of this time. This is very discouraging. I have a huge packet of our correspondence, and they just push me off. I 've asked for a supervisor or higher management to call me back, and I hear " we do n't do that. '' Please help!
Product: Debt collection

I have never applied for any credit card. I do not have any credits to my name. This do not belong to me at all. I have this on my credit and I do not understand why. I have been asking for proof that this is my debt. I have have n't received anything on this matter. I need this removed from my credit it 's making my credit look bad and I do n't even own a credit card at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX Bank XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Bank Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX Bank XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove
Product: Vehicle loan or lease

On XXXX XXXX I receive a letter from Toyota Financial Services indicating my request for Extension on the unaffordable monthly payments of {$480.00} until XX/XX/XXXX as I was trying to trade my XXXX XXXX XXXX at the XXXX XXXX in XXXX California unfortunately Toyota Administration doesn't want to Acommondate me on my XXXX XXXX Act under Department of Justice. 

Now Toyota Financial Services Administration are Retaliating against me as I filed many Federal CFPB complaints against them and wants to Repo my vehicle and ruin my credit and credit scores by reporting to XXXX, XXXX and XXXX. 

I respectfully seeking a affordable payment of around {$300.00} a month no higher than this as I can only afford {$300.00} to {$330.00} monthly payments. 
XXXX XXXX XXXX is at {$14000.00} and XXXX, California will not pay Toyota Financial Services {$23000.00} as car value on XXXX XXXX XXXX has decreased. 

Also, I didn't authorize or gave Consent to Toyota Financial Services to pull my credit for a Retail Extension I was provide with a Extension on XXXX XXXX according to evidence on various filed complaints against Toyota Financial Services Administration. 
CFPB filed complaint on XXXX XXXX and back around XXXX XXXX with CFPB Complaints Case # XXXX ... ( File case # XXXX on XXXX XXXX CFPB case # XXXX I am been Retaliated and Discriminated by Toyota Administration because of my National Origin XXXX XXXX  American and my XXXX Status. 
I am respectfully XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran. 

Toyota Administration and XXXX are in violations of Federal and State Laws.and violations of my XXXX XXXX  Act under Department of Justice.

Toyota doesn't have the right to pull my credit for a payment Extension and XXXX  allowed them to do it and I didn't sign no documents for a credit pull. 

Toyota Administration denied Extension. 

Does Toyota Administration has a business partnership with XXXX, XXXX  and XXXX? 
I am respectfully requesting a Federal Investigations against Toyota Administration and XXXX XXXXmmediately. 
I will send a email to US Senator XXXX XXXX  on this Retaliation and Discrimination of Toyota Administration and XXXX.
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 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XXXX the owner and I, co-owner, made an accidental payment to our county taxesmistaking it was the ones we had to pay. We are new homeowners and we made a mistake. 

Between XX/XX/XXXX -XX/XX/XXXX, weve spent countless hours with Lakeview Loan Servicing trying to get our refund. Our county had sent out a check to our lender in which our refund is included. The refund from the county is supposed to fall in out Escrow account in which we were told by an agent XX/XX/XXXX to submit a bank statement where it shows that the payment was taken out. I sent that immediately over with the details of the check number the county provided and the date that they sent that check over to this Mortgage Lender. 

I followed up on XX/XX/XXXX an agent told me that there was no such thing of them doing that! Seriously?! Almost every agent I spoke to contradicts themself, the company refund procedures, etc. Mind you, I spend a good hour of waiting to speak to someone, who then transfers me to someone else that takes an additional 30 minutes or hour again. The agent that I spoke to on XX/XX/XXXX referred me to speak to the county again and confirm everything again. Theres nothing else they can do as they gave me proof of payment on their end. I got transferred to a manager that ended up getting me transferred back to an agent who couldnt help me and gave me the run around again. 

Ive been waiting since XX/XX/XXXX to get my refund. Still, nothing. I want answers, professional assistance and to finally have my refund.