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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX XXXX Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Employer : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DP OF EDUC XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact XXXX  several times about having an account re moved from my credit my insurance company has contacted them also on a recorded line were they agreed to have this account removed from my credit report.. the reporting collection company keep stating that they have not received anything from the. XXXX XXXX To remove it XXXX  stated they can not give me a copy of the letter because it is internal
Product: Mortgage

Freedom Mortgage Loan officer XXXX XXXX NMLS ID XXXX sent me a closing disclosure on XX/XX/2019 that only included a VA funding fee of XXXX and assured me multiple times that this was the only closing cost. Upon closing on the loan on XX/XX/2019 the closing costs had ballooned to include the entire previous years escrow amount as well even though taxes were already paid. Reached out to loan officer and never got a response. Made mistake known to closing company who reached out to XXXX County and requested the check be sent back. Upon receiving the check from the county the closing company reached out go Freedom Mortgage to see if they could mail me the check directlt. Freedom Mortgage said no, to mail the check to them. Upon Freedom receiving the check, I called to have an ESCROW analysis performed as I was told by their representatives to do. After waiting 2 weeks for the analysis to be performed and calling back I was told the ESCROW department would not perform the analysis until it was regularly scheduled for the loan. Asked to speak to a supervisor who told me that as this was a new loan from the refinance, closing costs must include a years worth of ESCROW. This is in direct contradiction to what I have in writing on the closing disclosure. Also was told an ESCROW analysis could not be performed until after 45 days of receiving the first loan payment by law. At this point I asked to speak to and left a message for XXXX XXXX supervisor explaining what happened amd requesting a call back. I receive contradicting information every time I call and speak to someone different. I have had a history of other financials issues with this company but those seemed more like mistakes. This seems more like I'm being given the runaround so that they can financially benefit with me paying interest on money that should have never been taken out of the loan per what i have in writing.
Product: Credit card

We can keep trying this until you finally respond appropriately. Note : If you close this as a duplicate I will just open another and will continue to do so, until you properly respond. On XX/XX/XXXX I made a purchase using my Affirm card issued by Affirm through the Visa network. On XX/XX/XXXX the purchase arrived soaked in water with 1 of the 2 items not even being the correct item I ordered. I reached out to the merchant but did not get a response, so I initiated a dispute with the card issuer, Affirm. In order to initiate a dispute with the issuer, they require customer upload copies of their invoice, tracking information and any correspondence with the merchant, so I did. I also included photos of the damaged item. Days later associates from Affirm began to repeatedly ask me to send them documents, which they had already been provided. This went on for over a month, until they canceled my dispute and marked my payment toward the transaction as past due. Because of this my credit worthiness with the issuer has substantially suffered. The issuer has failed to comply with State and Federal laws and the Terms for Issuers set by Visa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED ALL PARTIES ( EQUIFAX, XXXX, XXXX/XXXX, XXXX, AND XXXX XXXX-XXXX  ) INVOLVE IN THIS MATTER INFORMING THEM OF THESE FRAUDULENT ITEMS TO CONTINUE TO RECEIVE THE SAME FRIVOLOUS RESPONSE.
Product: Debt collection

This company reported a collection on my credit report without any prior communication to me. I have never received any validation letters from this company. The alleged debt is XXXX from XXXX XXXXXXXX XXXX I moved out of this complex XX/XX/2021. I was allowed to leave the apartment before my lease was up due to XXXX  and XXXX  issues. I left my forwarding address with the complex and I also did a XXXX change of address on XX/XX/2021 so there is no reason why I should not have received any communication about this alleged debt. I would like to receive copies of the debt validation letters sent to me before this debt was added to my credit report. I have attached copies of email communication between from XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. Account # XXXX And one more thing 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.
Product: Mortgage

XX/XX/XXXX I mailed a check to US Bank to pay off the balance owed on the mortgage.

XX/XX/XXXX I called US Bank letting them know that I had received a past due notification and I was told to disregard the notice. They confirmed they had my check already and that it was just a long process to payoff a mortgage.

US Bank didn't apply the payment until end of XX/XX/XXXX causing my account to be reported as past due to my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

I was supposed to close escrow on a new home XX/XX/XXXX but when my lender pulled the last credit report these delinquencies appeared.
Product: Credit card or prepaid card

Synchrony closed my XXXX XXXX XXXX credit card in XXXX of last year and I have regularly made my payments, they are still reporting the activity on the card as if it was open. I had a promotional plan honestly I forgot about but they had lowered the amount available on the card enough so that when the promotional plan expired it showed a XXXX available on the account they then reported this to the credit bureau and my credit score was lowered 13 points because of it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Checking or savings account

XX/XX/XXXX I deposited a check XX/XX/XXXX the funds were partially released I withdrew XXXX. 

XX/XX/XXXX i call when I see that the account is in the negative. 
I contacted the bank that issued it and they assured me the money has cleared Sofi told me they cant do anything XX/XX/XXXX - I check and see the account is frozen I need my account unfrozen
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally Protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XX/XX/XXXX15 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 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

Hello, I have XXXX membership points has removed by American express, I tried to call them around XX/XX/XXXX, a customer service representative told me will give me an answer within 10 business days, but till now I haven't received any phone call or email from American Express explaining why the points has been deducted. So please help me with that, thank you!
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/2021. The dealership ( XXXX XXXX XXXX XXXX, KY ) offered me a {$500.00} sticker price reduction if I secured a {$10000.00} loan from Hyundai Motor Finance XXXX I received approval for the loan. 

I received a letter from Hyundai Motor Finance on XX/XX/2021, stating their records show the retail installment contract is paid in full. The original title certificate and XXXX release was enclosed. The letter instructed me to take the documents to my state 's motor vehicle division and apply for a new title certificate. 

I took the documents to the XXXX XXXX XXXX in XXXX XXXX Kentucky. The clerk told me Hyundai Finance sent me a XXXX release document with the incorrect file number and the incorrect file date. 

I have documented XXXX calls to Hyundai Finance on XX/XX/XXXX, XX/XX/XXXX of 2021, and on XX/XX/XXXX and XX/XX/XXXX. My notes include the name of the person I talked with as well as reference numbers for XXXX of the calls. I gave the correct file number and date to the customer service representatives but I have not received the corrected XXXX release document. 

I also contacted the dealership. My sales rep has been very helpful but his outreach to XXXX has not been successful. 

What are my options for receiving the correct XXXX release? I have waited for XXXX months.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. - 15USC 1681 section 602 states I have the right to privacy. -15 USC 1681 section 604A section-2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

My husband and I live in our home XXXX XXXX XXXX, TN XXXX. It was sold to Mr. Cooper/NationStar on XX/XX/2022. Since the transfer they have purposely missed applied payments, refuse to do the VA modification loan. Instead they are trying to force my husband to do a modification with a higher interest rate. They have given my husband statements after statements with wrong amounts. We were only behind one payment, and we worked hard to catch it up. They stated to the VA liaison that one of our payments never cleared the bank when we show that it did with bank statements. They are constantly stating that if we don't get it caught up in 1 month they will start Foreclosure. VA has guidelines that help veterans and they are not following those guidelines. Even our escrow account is mishandled where it is steady growing negative since they are miss applying monies.
Product: Credit reporting or other personal consumer reports

Disputing late payments that were paid on time but showing late on my credit report. 

XXXX XXXX XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX Showing late payments as well XXXX showing late time All shown around the same time but all paid on time per the company 's guidelines. 

Please have these updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit file it shows a XXXX account closed in 2006 which shouldn't be in my file due to age. 

Also, Experian shows my fico score at XXXX and last month it was at about 816. They said in my report that I didn't have enough credit cards so I applied and they dropped my score for that by 50-60 points!!! The other reporting agencies show scores of XXXX and XXXX
Product: Mortgage

On XX/XX/XXXX my wife and I were discussing our mortgage payments, balance, and interest paid year-to-date XXXX. While looking at our most recent Bank of America ( BAC ) mortgage statement ( XX/XX/XXXX statement ), we noticed that we'd paid more interest thus far in XXXX than we did during the entire XXXX  year. We also noticed in the statement that the next payment due was not until XX/XX/XXXX. Upon further investigation on our part, we discovered that the overpayments that we had been forwarding to BAC were NOT being applied to the principle of the loan balance. In a conversation with their mortgage customer service representative, we subsequently learned that the over-payments were being applied to future payments. We explained that with each over-payment, there were written instructions for the over-payment to be applied towards principal balance. We also explained that we had no intentions of pre-paying future payments and interest that had not yet been accrued. We have spoken with a number of BAC mortgage representatives at this point, who've all cited that it's their policy to apply overage payments to future payments. In our attempts to rectify this issue, we have instructed the bank to forward a full payment history for our mortgage account, that demonstrates payment allocation for principal, interest, fees; including the application of any payment overages. After a conversation with the bank, we were instructed that BAC would apply the additional payments towards the principal loan balance. In an online statement we viewed on XX/XX/XXXX, we were able to confirm that the additional payments were applied to the principal, and the principal had been reduced. We asked BAC to confirm whether any interest that we inappropriately paid due to the misapplication of our payments be refunded and applied to the principal as well. We are still not sure if that has been applied correctly ; thus they have agreed to forward a full payment history and amortization schedule. Our concerns are the misapplication of payments intended for reduction of principal balance, deceptive practices by BAC as they did not previously nor beforehand explain their policy in applying overage payments of our mortgage towards future payments, BAC ignored written instructions on each payment they received from us to apply overage payments to the principal balance, and BAC 's inappropriate practices proactively worked to inhibit the early payoff of our mortgage loan. We are filing a formal complaint against Bank of America and their inappropriate practices that work to inhibit early payoffs for mortgage loans. We also want to issue a formal complaint that Bank of America proactively worked against our original mortgage agreement that explains no penalty for early payoff.
Product: Credit reporting

Type Energy Account Name Account XXXX Other Date XXXX XXXX, XXXX Status Closed No Missed Payments Balance {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Utility Company Account Status Closed - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$95.00} Payment Status Current Worst Payment Status Current Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times 30/60/90 Days Late XXXX Remarks Account closed by consumer Payment History XXXX OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

" I am writing to dispute two accounts on my credit report under the name AMERICAN COLLECTIONS ENT. These accounts appear to have been charged twice, and I am completely unaware of their origin. I have no knowledge of owing any debt to this creditor, and I am concerned that these entries might be the result of an error or potential fraud. It is unclear how two separate accounts were created, both of which I do not recognize or authorize. 

I request that you thoroughly investigate these accounts and provide me with detailed information about how they were established and any associated charges. If these accounts can not be verified as accurate and legitimately belonging to me, I kindly ask that they be removed from my credit report immediately. This situation is causing undue stress, and I trust that you will address this matter promptly to ensure my credit report reflects accurate information. Thank you for your attention to this issue. ''
Product: Debt collection

I first noticed the debt was added to my credit on XX/XX/2022. I then tried to reach out to the company but they wouldnt provide me with any information they informed me that the account was already given to a collection agency and I would have to reach out to them for any additional concerns I may have. I informed them several times that the account wasnt mine and I never occupied the unit I even requested a copy of the lease and any information they may have given them but I was again denied.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. This is your final warning. XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I am sick of writing and asking for these items to be removed, This is a disgrace, I am trying to purchase a home for my family and can not due to this, I am deeply saddened and disgusted. please remove