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

In accordance with the fair credit reporting act 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 an account without my written instructions.
Product: Mortgage

Freedom Mortgage Loan ( # XXXX ). I have given this office every opportunity to complete my home loan refinancing that I have yet been able to close on since I began this process back in XXXX of 2020. All due to XXXX 's lack of follow-thru, irresponsibility & incompetence. I have made every single attempt to keep the lines of communications open for XXXX to guide me thru this supposed swift, smooth & seamless refinance process ( as he claims ) to get this closed and completed in a timely manner. XXXX wasted no time initially, to re-run my credit and adjust my total loan amount ( which increased ) but as of this month of XXXX, my rate is still reflecting 4 % on both my loan account and my credit report. The proposed new rate offer is supposed to be 2.75 %. Since XXXX has not successfully been able to fulfill his end of the refinance offer, I requested to XXXX twice to cancel the whole application and return everything to where it was before he turned my whole loan upside down. I currently would only owe $ XXXX of $ XXXX on my original loan before this entire botch-up of a deal, at the hands of loan officer XXXX. XXXX stated that not only can he not cancel and return me back to my original loan but that he also could not remove the hard-injury that my credit got hit with. Since XXXX has shown no interest in getting this deal completed and thinks by going silent, all this will go away and I'm ok with being screwed out of over $ 9k. I have exhausted all avenues of a resolution to this, what should have been, a simple re-fi and close deal. I can only hope that someone there reads this an can assist me in getting this entire refi-loan withdrawn and return to my original loan agreement reflecting the correct loan balance. Loan Officer XXXX XXXX / NMLS # XXXX / Ph # XXXX / Alt Ph # XXXX. I have constantly followed-up with XXXX, to the point of having to chase him down with numerous emails, texts & phone calls in attempts to see an end to this disaster.
Product: Consumer Loan

I received an auto loan from Exeter Finance on XX/XX/XXXX, 2013. The company did not go over the terms until the account began delinquent, due to not being able to afford the account. Throughout the term of the loan, I had XXXX where I could not go to work. And I advised this to them, and they did not provide options to help me. They offered me help twice throughout the time I had the loan. When I purchased the vehicle, it was over XXXX. When I looked at the account recently, the remaining balance was over XXXX, how does a person is the span of 4 years, only pay a little over 3000.00 on the car, that does not make sense to me. Come to find out I had a daily interest loan. How in the XXXX am I supposed to afford that type of loan. To me that is predatory lending. I am disgusting by this company. They harassed me over and over and over, when I explained my situation. There is no way any one should pay XXXX on a car loan. They have caused me emotional distress by repossessing the car, not from my house, but from private property. I need them to remove this from my credit, I will be forced to take legal action, towards their predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair act XXXX  account # has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. 


XXXX XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted a previous complaint against my loan servicing company Loan care for unfair loan modification practices. I was approved for the partial claim loan modification combo. I as a result of this loan modification program I was told that my new monthly payment would be XXXX. I was mislead by this company when I was told to sign the loan modification that would grant me the partial claim loan modification combo. When I called in to pay my mortgage I was told that my monthly loan amount changed from XXXX to XXXX. When I questioned what loan modification I was granted I was also told that I was granted the partial claim loan combo on various occasions when I Called in to speak to a Loan modification officer to address and get an understanding for such dramatic increase in new Loan amount. I never discussed with anyone in this company about wanting a standard loan modification. I was mailed a letter telling me that I was approved for the partial claim loan modification and that was what I understood I was getting when I signed the loan modification agreement. I would like to be considered for the partial claim loan modification I was approved for!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report they are showing 3 days late in 2021. They are also reporting inaccurate balance and amounts. This is a time share and is reporting as a mortgage. Prior to the late reporting they sent in, they never reported any on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied loan bc of credit score of XXXX reported by experian. When reviewing experian date score hasn't been that low EVER. Actual score of XXXX.
Product: Credit card

I visit a XXXX office XXXX XXXX XXXX. I was told that I would need braces and that the office can get me finance by a bank they use ( carecredit ) I was quoted {$2900.00} for the job. At first all seams to be perfect and I was able to go there very month after I received the first XXXX that I was going to wear until XXXX were done. my appoiments were then 3-4 months since XXXX was not longer coming to the office every month anymore. I got feed up and I told them I was going somewhere else they told me i would owe them all the money still beacuse they had gotten paid. 
credit card paid a job that I never received and make me liable for a job that was not compleated making me pay for a service that it was not rendered. I think I should not be liable also the have damage my credit I was tken advantage by both XXXX and Credit Card company!.
Product: Credit reporting or other personal consumer reports

I have previously disputed these charges directly with the credit bureausEquifax, XXXX, and XXXX well as with your offices, supplying all necessary documentation to support my claims. These charges are not only fraudulent but have also been reported inaccurately. It is now almost a year since my initial dispute, and despite my efforts, there has been no satisfactory resolution. 

The failure of the XXXX credit bureaus and XXXX XXXX XXXX to conduct a thorough and complete investigation, and of the furnisher and your company to respond to my dispute inquiries, is not only frustrating but is e a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately.

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of money judgements without a valid court order money judgement. 

The account and associated fees reported are without merit and inaccurately reflect my financial transactions with XXXX XXXX located in XXXX Michigan and XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX, XXXX  Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX & XXXX Date of InquiryXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My ex-fianc added me as an authorized user on her Bank of America credit card without my permission. I never used the card ( or even received one ) and now it is in collections hurting my credit. It is also important to note that I have no way of contacting her.
Product: Credit reporting or other personal consumer reports

Back in XXXX my password to Experian was exposed in a hack. Out of concern for security I went in to change the password. I was able to do this for XXXX and XXXX without any problems. Experian system locked my account and the reset password request is not working. I have spent countless hours on the phone trying to get through to a person after following all their instructions online and even from their chatbot. In addition, we sent them a letter with all the required information on XX/XX/XXXX as instructed from info on their site. We have spent so many hours over the past 2.5 months it is hard to recall the exact number but I'd say it's safe to say over 20 hours on the phone over that time period if you added them all up. We don't know what else to do at this point and are beyond frustrated with this experience.
Product: Credit card

I was at a Time Share presentation in XXXX XXXX Utah, hosted by XXXX XXXX. During the presentation I was told by the guide to fill out information to see if I qualified for a purchase of a timeshare. No mention of a credit card or terms. I decided against a purchase. When I returned home a week later I received a XXXX credit card in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in Get Mortgage Ready program on XX/XX/XXXX. At that time I informed them of the type of home I wanted to purchase and how much I could afford to pay monthly ( {$1100.00} ) on a mortgage and the estimated time ( XX/XX/XXXX ) I wanted to move. What they do is sell you products, credit report ( XXXX XXXX XXXX  ) for {$330.00} and credit report monitoring ( XXXX XXXX ) for {$29.00} monthly.

I didnt need the credit repair because there is no way I wouldve be able to purchase a home with two car loans on my credit and the amount of debt I had. I provided them with all documents that they requested which was my paystub that provided my income and additional documents they requested. If they are a get mortgage ready company they wouldve known that I wouldnt be able to obtain a home loan due to the amount of debt I have and not take my money.

One of the main issues that I have or had was with the credit repair company that provided me with false reports that they removed items from my credit report when they didnt. When I questioned XXXX   XXXX XXXX about sending me false information they never would respond to my emails and Get Mortgage Ready stopped communicating as well in XX/XX/XXXX.

I had some medical bills on my credit report that did not belong to me and their solution for that was for me to file a police report for identity theft. I was able to get all the bills removed from my credit report on my own because this was a billing error not identity theft.

XXXX XXXXXXXX XXXX informed me medical bills are not calculated when purchasing a home. Judgements that are showing satisfied do not affect your score. Car installment loans that have the incorrect balance do not carry much weight as far as your score goes.

All of this was incorrect because when the medical bills were removed my score went up. When the Judgement that I never went to court on was removed my score went up and when the balance on my car loan was reflecting the correct amount my score went up.

In the end I spoke with two senior loan officers who informed me that I would not be able to purchase a home due to the amount of debt that I have and that it would be impossible for me to find a descent home.

I didnt have an issue with XXXX XXXX because they provided excellent service. The {$29.00} monthly fee included credit reporting from all three bureaus with your Fico score and you can setup alerts etc. They also have excellent customer service when you speak with them via phone.

The issue I have is with XXXX XXXXXXXX XXXX  and Get Mortgage Ready because they charged me for fees when the services were not provided and I was provided false misleading information.
Product: Credit reporting

Early Warning  Services came back and stated that the records were verified by the financial institution even though they listed a social security number that was different than mine. They refuse to remove or suppress this information and as such I am being adversely impacted and can not open a checking account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX XX/XX/year>2024 {$1000.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 168
1c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, at about XXXX, I searched online, hoping to find a cheaper auto insurance and found " XXXX XXXX XXXX Quotes '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After putting in all my information, including social security number and car vin number, it led me to " XXXX * Insurance ''. I was charged {$470.00} for a " policy '' on XXXX, XX/XX/2022. 
At XXXX I received an email letter " Your new XXXX policy '' from " XXXX ''. I tried to open the link to see the details of the " policy '' but failed. It says " We're Sorry Our site is currently experiencing technical difficulties. We apologize for the inconvenience. For assistance, please contact Customer Service at XXXX. Note : Due to maintenance, our site may be unavailable from XXXX XXXX to XXXX XXXX  XXXX Monday through Saturday and XXXXXXXX XXXX. to XXXX XXXX XXXX Sunday. '' I called ( XXXX ) XXXX four times but all the customer service representatives could not find any information related to me. 
Then I noticed in the transaction text message sent by Discover bank that the merchant 's name was " XXXX * Insurance ''. But the real XXXX has no " * " between " XXXX '' and " XXXX ''. I sent an email letter to " XXXX '' but received a reply : " Unfortunately, the email you replied to is an automated notification, which is unable to receive replies. " I also could not find the phone number in my Discover app 's Transaction Details. 
I called Discover bank 6 times, but the fraud department told me that it was not a fraud because I willingly put in my information and authorized the transaction. The billing department told me that the money was in pending and the only thing they can do is to wait for ten days after it is posted and then they might raise a dispute, start an investigation, wait for the merchant to provide paperwork to validate/invalidate the transaction. I told a manager of the billing department : It was not a real merchant. They intentionally created a fake website disguised as XXXX XXXX. They did not sell anything to me, except an email letter with an un-openable link, let alone any auto insurance. I did put my information in their website but it was obviously a scam. As my bank they should stop the loss on my behalf when I reported the scam as soon as possible when I found I was scammed and repeatedly petitioned Discover bank to stop the transaction. She told me they can do nothing about it for now. I need to wait for 10 days to raise a dispute. 
I was cheated by a scammer who intentional created a fake website under the disguise of a real company. The scammer leaves the contact information of the real company. I do not think the cheater would react and provide paperwork to Discover bank. Therefore, I have to report this scam to related authorities in order to save more victims.
Product: Credit card

I paid off my account selecting pay off account in full. After I pay the account they then charge more interest requesting I owe them more money. I called them and they declined to waive the fee. 

When you select pay balance and pay off the account the account should be paid off waiving interest before the next bill cycle. I would like an investigation and file a formal complaint please.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX started XXXX XXXXXXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX  for XXXX XX/XX/XXXX received notification for no payment though XXXX  bank statement showed other wise Contacted Support and they blocked my login closed my account Reported to XXXX  MONEY NETWORK merchant services about the difference in credit scores between XXXX XXXX TransUnion Not resolved. The scores are still different I placed XXXX XXXX  freezes since XX/XX/XXXX XXXX notified me of another breach this relationship with XXXX XXXX Business accounts and commercial partnership SSN on the dark web Insurance and Driver 's license. Under this report stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX  XXXX reported breach XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number XXXX land line XXXX. 
XXXX reported breach XXXX XXXX by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  along with XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Benificiary accounts Health insurance changed without knowledge consent or authorization XXXX XXXX account had sim swap that took place with a added Email tracker placed on my device XXXX XXXX XXXX XXXX made changes to my account and was not authorized to do this a XXXX XXXX is listed in XXXX  a path under my account as we speak I have a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX showing up under my XXXX XXXX pay. XXXX I tried reopening once I received my new device however with my new XXXX XXXX  bank account opened kept popping up a number unknown same thing on my XXXX XXXX bank account XXXX XXXX  opened XX/XX/XXXX. I have received notice of XXXX deposits NOT reflecting in my XXXX  account. My credit card builder at XXXX  is listed as XXXX XXXX  XXXX debit card savings account listed as XXXX XXXX  XXXX, then apparently I have a secured account in which I have assets however can not receive information related to it where it is or which bank institution partner of chime is holding these assets. I have disputed XXXX charges that I don't have nor do I have access to XXXX and XXXX XXXX charged were made I didn't and couldn't have made were charged, Along with Employer payroll checks denied due to the post date however when I deposited it was a reverse payment applied by stop a minute nobody can explain this my phone XXXX kept showing up under a XXXX XXXX and over XXXX dollars saved in the XXXX  app was transfered the XXXX  team once again just blocked my access and closed the account as a solution. I don't know what kind of XXXX bank is participating however retaliation and dilebarte interference and locked assets results from this I am showing a XXXX dollar loan or line of credit I have no idea where this is what account but it isn't mine. I'll never be able to accomplish operating a entity with this XXXX allowed also XXXX XXXX is showing up on my device also however denial of any accounts relationships etc with me?
Product: Debt collection

Never had any dealing with convergent or its associates in the past and received a letter stating that I owed them money. Sent a Validation letter and I am awaiting response. Copy of letter is attached.
Product: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under RMP Services LLC. I requested a validation on XX/XX/2019 as there was XX/XX/2019 I reviewed my credit profile again as RMP Services LLC had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit  bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. They pertain to matters beyond my knowledge, and the company initiated them without my authorization.
Product: Credit card

I have been BOA cc customer since XXXX. My existing card did not accrue Rewards, nor have promotions so I asked BOA about a promotion. XX/XX/XXXX I called. The existing card charged 11.49 % interest BOA offered Unlimited 1.5 % Cash Back. No expiration, no fees. 0 % int. for 18 months. BOA sales included rewards on Balance Transfers, and if I spent XXXX, Id receive a {$200.00} cash reward. 

I applied. 

1. Now trying to set up auto pay for the Balance Transfer at 0 % interest,, but in XXXX, XXXX, BOA eliminated the option to autopay equal installments ( 0 % interest for 18 months ). 

2. BOA now says they dont give rewards on the Balance Transfers ( in my case {$5400.00} ). 

So I feel duped. I gave up my low interest cc ( 11.49 % ), as I believed I could get rewards on balance transfer, and I thought I could setup auto pay w. 0 % interest for 18 months, but BOA has eliminated that custom repayment option on their online website! BOA online banking options now limit customers to paying only the minimum due, or the entire balance. 

And get this, BOA advertises custom payments, right under the autopay setup link. I have a screen shot of that advertisement. I feel the promotion for new cards are deceptive and unethical of BOA. Consumers are being duped. I want my old credit card back!