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

I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my XXXX and experian Credit reports. The XXXX and experian report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with XXXX via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my XXXX credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from XXXX and experian claim that a change had been made, but the derogatory is still on my credit reports. Pls help!
Product: Credit card or prepaid card

I received a letter dated XX/XX/2022, that " I tried to open a credit card for the store, XXXX 's XXXX  '', but that the application was not approved as " further information was necessary for confirmation. '' I never, nor would I ever, apply for this store-based credit card. This is credit card fraud and identity theft. 

The letter was sent from Comenity Bank XXXX Account Protection Team ), which I have tried to call four times alone today, of which, they continuously place me on ridiculous wait times so that I give up. The letter is requesting the fraudulent person to call the bank within 14 days, so that the account can be reviewed and approved. 

This is identity theft and fraud, and I would like this to be addressed. Thank you for your assistance. 

Regards, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom this may concern. I am writing a complaint in regards to loan care/Lakeview loan servicing. I have recently made updates to my insurance policy as of XX/XX/2023, which I have updated online for their request. It took them many days to even update the information. We told them that we paid for insurance out of pocket. Almost XXXX weeks later now we have found out that we are were not supposed to pay for our insurance out-of-pocket due to the type of loan we have. 
However, we have spoke to many people at loan care, but never told us this information. 
This is now causing a shortage in our escrow account from them paying the new insurance company {$1700.00} which we already paid!!! 
We have a surplus of money in our escrow account from changing insurance companies and we were requesting an escrow analysis of our account. Which has yet to be done XXXX weeks in. We are owed money from loan care, and we are owed money from our previous insurance and now current insurance company due to loan cares mistake. Its now XXXX and nothing has been done. 
We would like loan care to fix their mistakes and to do the escrow Analysis as they told us they were going to do. They said it only took XXXX to XXXX business days and now we are almost XXXX weeks in waiting on this information. please who do we need to talk to you to get this done? We are owed a refund and we would like this taken care of before the end of the year. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This was cancelled debt and is accurately being reported per 15 usc 1681e ( b ). I filed a dispute and it is still reporting to all three bureaus. 

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

My name is XXXX XXXX and I have been going back and forth with XXXX and Experian for years. With Experian, my file is managed by XXXX XXXX. My issue is that I have left a 3rd voicemail for her and she has not called back. I am a victim of identity theft. I have sent over all of the required information and there is still one item on my report, in collections, that is a fraud item. I spoke with them this morning and they have the required information. They have broken the law because on a recorded line, I was told that within 5-7 business days, they would remove everything that was reported/disputed as fraud, once they verified the police report, which they have. They received the information, which I have attached to this complaint, on XXXX XXXX, 2017 @ XXXX XXXX  EST. All I want is for them to remove the XXXX XXXX XXXX Item that should not be on there that I disputed. That is it. 

I was told by XX/XX/XXXX that the items would be removed from my report within 7-10 business days. That has n't happened. I have also attached confirmation that they received my fax, on XXXX XXXX, 2017 in the evening. I am not pleased at how this is working out. I have also emailed every single executive 's email that I have found to get this situation resolved as well. My disputes are not a regular case. It is a fraud case, and the items should be removed immediately. I look forward to those being removed asap, as if they are not, we will be heading up to our local courthouse to exercise our right to be sued. Lets mention that my information was compromised in the hacking situation, so I may be exercising my right to sue in that aspect. I look forward to this being resolved asap.
Product: Credit card or prepaid card

In XX/XX/2021 I looked in my XXXX statement and saw that I had a charge of {$430.00}. I called the credit card company as I know for certain this is fraud. The credit cards were not activated and they were only used once when I opened the card and I never used the card again. My statements can show that. 
I called the company and they ran the investigation. After about a month I received a letter in the mail that the charges are accurate. I was upset and called them again to see who I can speak to as this CAN NOT be accepted. They ran another investigation which I did not request and freeze my account which is fine because I dont use the account at all but they will not dive further to see that I did not make this charge. I called the merchant and the parent company confirmed it is fraudulent but I have to run the investigation with specific merchant and they sent the email for me to do. I submitted the information to that specific merchant in XXXX and they said that I should check my email addresses to confirm the charges. I DO NOT and have not authorized nor submitted this charge and I dont understand why they are not able to help in removing the fraudulent charge!
Product: Credit reporting or other personal consumer reports

I am writing to demand immediate corrective action regarding a glaring inaccuracy in the reporting and calculation of my credit score. Despite my credit utilization rate decreasing substantially from 72 % to 39 %, my credit score has not increased and remains stagnant at XXXX. This is unacceptable, unjustifiable, and a clear violation of Transunion and XXXX 's obligations under federal law. 
My recent credit reports unequivocally confirm a reduction in my credit usage from 72 % to 39 %, yet my credit score reflects no improvement. This failure to update my score accurately demonstrates gross negligence on the Transunion and XXXX parts. My payment history remains excellent. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to maintain accurate, complete, and up-to-date credit information. The stagnation of my score despite my improved credit usage constitutes a failure to reflect accurate data and may result in undue harm to my financial standing and reputation.

Section 611 of the FCRA also gives consumers the right to dispute inaccuracies in their credit reports. I am hereby exercising my right under this statute to demand an investigation into this matter. 
The stagnant score has adversely affected my ability to obtain credit on favorable terms, despite demonstrating financial responsibility. This harm is compounded by the apparent lack of transparency in how credit scores are calculated and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with accounts I did not authorize which are fraudulent, please delete them asap
Product: Mortgage

I am writing to file a formal complaint against Lennar Mortgage , LLC for their refusal to delete my personal information following my withdrawal of consent. I served as a co-signer on a mortgage application ( loan numbers XXXX and XXXX ), which was eventually denied after my request to withdraw consent l. 

Despite my request for the deletion of my personal information on XX/XX/year> in a written email to Loan Officer XXXX XXXX ( NMLS # XXXX ) and XXXX XXXX ( NMLS # XXXX ) in copy, Lennar Mortgage, through XXXX XXXX, Production Manager, has refused, citing on XX/XX/year> : > " We have a legal obligation to retain any information related to the loan application/transaction to comply with our lending laws, which includes loans that have been dispositioned. We can not remove personal information provided. '' I believe this refusal violates the Gramm-Leach-Bliley Act ( GLBA ) and other relevant consumer privacy laws. The GLBA requires financial institutions to protect consumer privacy and honor requests for data removal.

I request the CFPB to investigate this matter and take the appropriate actions to ensure Lennar Mortgage complies with federal privacy regulations and removes my personal information from their records. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

The loan was paid off on XX/XX/year>. DMV still shows there is a lien. Lien release was never sent and neither was the title. I have an emergency situation and need to sell the car. On XX/XX/year>. I requested lien release letter from Kia Finance. They told me it would take 3 days to process then it would be faxed to me. I explained my emergency to representative and they spoke to a supervisor and told me the lien release would be faxed on Thursday XX/XX/year>. On XX/XX/year> I didn't receive a fax and called and spoke to a supervisor who said it's still in process. I asked for a date when I would get it and they said it was still in process. I asked for a number to the department that handles the lien release and they said there isn't a number just an address.I asked for corporate number. The representative said there isn't a number just an address. I asked for their legal department number. Again, they told me there isn't a number just an address. I asked representative to make sure I understood the situation " Despite having paid the loan off on XX/XX/year> and Kia Finance has had 7 months to process this but failed to do so. My lien release will be in processing for an undetermined amount of time and there is no way to contact the department directly or get this expedited. The representative said it's still in processing and I have to wait and hung up on me
Product: Vehicle loan or lease

Purchased a vehicle in XX/XX/2022. The price of the vehicle was confirmed when I arrived at the dealership with the ad in hand, price was changed on the paperwork. I was forced to purchase a service contract with the loan even after I expressed in writing that I did not want the service contract. I was misled into believing these documents were not final and those changes would be made before signing. Contracts were " signed '' with my digital signature and submitted, adding more than {$3000.00} to the final purchase price. Complaints were filed with DMV, XXXX XXXX XXXX, State Attorneys Office, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM FINANCIAL RAN MY CREDIT TWICE WAS SUPPOSED TO SOLF XXXX AND XXXX  ERRORS.
Product: Debt collection

On XX/XX/2021, I received an e-mail alert from XXXX  credit bureau that a delinquency notation was placed on my credit report by Convergent Outsourcing ( XXXX, WA, XXXX ) that an unpaid XXXX  bill was overdue, in the amount of {$3200.00}. I contacted XXXX on XX/XX/2021 and was told that my social security number ( SSN ) is not on-file with them, because, I have NO ACCOUNT with them. In addition, and most relevant, I DO NOT OWN a mobile telephone. XXXX instructed me to contact my local police department and report said fraud. I contacted the XXXX County Sheriff 's Department ( Maine ) and reported the fraud to Deputy XXXX XXXX  ( Case No. XXXX ), who advised me to contact your agency. I have attempted to contact Convergent Outsourcing and was told that they receive all information from XXXX, concerning my debt and SSN, BUT XXXX does not have my SSN, because I never had an account with them! Convergent Outsourcing offered no help in this matter! Therefore, the question is : how did Convergent Outsourcing report my delinquency to XXXX, employing my SSN, if XXXX does not possess my SSN and could not have given my SSN to Convergent Outsourcing? Would you please assist me in removing this delinquency notation from my XXXX  report. Thank you.
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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, 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 XXXX XXXX XXXX  # XXXX, XXXX # XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 convictions 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 have hard inquiries on my credit report that I did not apply for.
Product: Debt collection

I am writing to file a formal complaint against SEQUIUM for engaging in debt collection activities within my state without being registered. I believe their actions are in violation of the laws and regulations governing debt collection practices. As a resident of FLORIDA, I recently became aware of the activities conducted by SEQUIUM. Upon investigating further, I discovered that they are not registered or licensed to collect debts within my state. This raises serious concerns about the legality and legitimacy of their operations. According to the laws governing debt collection in our state, all debt collectors must be duly registered with the appropriate regulatory authority before engaging in any debt collection activities. This requirement exists to protect consumers like myself from unfair and deceptive practices that may occur during the collection process.In addtition i have never received form of communication regarding the dipute of this debt. please provide me with these following -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature - proof that I received your initial 30 days notice to dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted out only to find out that they was still sharing my information with orther companys
Product: Credit card or prepaid card

XX/XX/2019 I paid my capital one power buy card in full. The bill said XXXX, I paid on their web-site. Their web page under my account total balance said the same thing. while paying my bill you need to hit a button 1 paying last statement balance. 2, current balance. 3 min. payment.. I hit current balance. 

XX/XX/2019 I received a bill from capital one saying I owe XXXX. There was no charged so I called. Spoke to a man who then transferred me to his supervisor. The supervisor told me it was interest. even through I paid my card off. She then told me that I have interest occurring now. So the paper bill I received today wouldn't pay off my bill. yes, that is what she said, I made quite the fuss so I was recorded. The bill I got today says New balance XXXX min. payment XXXX. She told me I already owe XXXX cents more than what the bill says. I will always have interest occurring. I can never pay off my. I m just paying them interest. for nothing. 

I asked to speak to someone above her and she informed me she is the top one in the company to speak with. I asked if she had a boss which she replied yes but they don't deal with this. they have meeting to go to. Who knows what I '' ll owe tomorrow
Product: Credit card

I am current customer of Bank of America ( BOA ) for ten years. During a branch visit on Friday, XXXX XXXX, 2016 to have a debit card re-issued, a BOA Branch representative offered me BOA Cash Rewards credit card based upon the fact that I maintain over well over one thousand dollars daily balance with those merits I told I would receive a BOA Cash Rewards credit card. I signed some general documents and other products and spent about 1.5 hours of my time with the representative. The Branch manager came in on the end to congratulate me on accepting the offer. I was also encouraged to complete the survey that may be emailed within a few days. I let her know that the experience was great, unlike many of my experiences with BOA and that I would definitely give good marks on the survey ; which I did on XXXX XXXX. It is now XXXX XXXX, 2016 and I have not received any responses from my follow up emails. I called BOA corporate to file a complaint on XXXX XXXX, 2016 and was promised a 48 call-back ; it has now been 168 plus hours from my call with no call from corporate ( I gave them both of my cell phone numbers ). I have all of the credit card disclosures and signature page that I accepted the offer. I also have all my follow up emails with no response from the branch. Even after going in the branch to two weeks after to talk to her, she advised me this as happened before, but she promised the card will come. I feel manipulated and mislead by BOA, as they will essentially make up things to con consumers into receiving high survey marks by wasting my time. Bank of America owes the card to me as promised.
Product: Mortgage

After completing a mortgage application with Mutual of Omaha Mortgage, the loan officer has refused to provide a loan estimate and stated that I will only receive one after providing and uploading all documents pertaining to this loan application. Documents are not required to provide a loan estimate and one must be provided within three days of completing and submitting an application. I have requested my loan estimate on more than three occasions and the loan officer has refused to provide one.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, has violated my rights.
Product: Credit reporting

" I would like to formally dispute the way XXXX XXXX XXXX Loans Account # XXXX is reporting the mortgage I had with them in the past. They are still reporting it as a foreclosure but will not update it to show that the account was eventually settled through a short sale in XXXX. This same account was transferred to XXXX and XXXX is reporting it accurately. I 've uploaded XXXX page of my recent credit report which shows how both XXXX XXXX and XXXX are reporting the same account ( the XXXX reporting is just underneath the XXXX reporting ). XXXX added the key verbiage " Creditor Settled for less than amount due ''. That is the standard verbiage used to reflect a short sale. For some reason, XXXX XXXX does n't want to do that. Furthermore, when I submitted a formal request to XXXX XXXX in writing to ask them to correct this a few months ago, not only did they refuse to correct it but they actually compounded the error by reporting that they started foreclosure proceedings XX/XX/XXXX which is completely wrong! They need to adjust the history so that nothing derogatory is dated on their reporting after that short sale which ended XX/XX/XXXX which is how XXXX is reporting it. ''
Product: Debt collection

Enhanced Recovery number XXXX has been calling me non-stop and even called my job on Tuesday, XX/XX/XXXX.
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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 convictions 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.