23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

AmericanFinancing.net : XXXX XXXX XXXX XXXXXXXX. 

I was told I would qualify for a loan based on XXXX income and not total income. this was in XX/XX/2022. After several steps it was changed that I would have to present fourth financial information despite the XXXX XXXX being acceptable for approval. the rate had been secured and locked in. I believe they then began to slow the process greatly in order to have the rate lock expire after having me spend hundreds of hours compiling documents and changing conditions. Over XXXX  months later they have not extended the lock despite providing all documentation request very quickly. Their communication was extremely slow I believe on purpose. i escalated this numerous times with the lender. I have text communication from some employees within the company stating their practices are not being properly followed. I can only interpret this as an attempt to delay to raise my rate away from the agreed upon rate. Ultimately, I received a closing statement without any notice and not notifying that my rate had been significantly increased and allocating some of the proceeds to pay down credit cards never before discussed. It appeared they were hoping I would not notice the large increase in order to lock me in. Now after XXXX months interest rates have increased drastically and I have lost my opportunity to secure a lower rate, being damaged by hundreds of thousands of dollars over the course of a XXXX year mortgage. For some background on folks that my be seeing this publicly. This was a refinance of an existing XXXX expired XXXX XXXX. My financial situation has improved since the original finance which was a healthy financial situation at the time. I was contributing cash to purchase discounts to the rate. I would not have started working with this group had I not been assured my financials were more than enough to get the loan processed. when additional financial information was required it showed additional income over XXXX times what was originally needed. I don't believe they ever intended to honor the rate, just bury borrowers in paperwork and exhaust their time to then tell them they are out of time and a higher rate is the best they can do. Additionally at XXXX point they told me information I had supplied was " rejected by the underwriter '', when I pressed for evidence of the rejection and a reason why, they recanted and said that meant they just could not " find '' the information I provided and needed it again. All information was uploaded into a portal they have so their is no reason they could not find it, they again just appeared to have no interest in getting the loan processed. Beware, you will be months into a process and they will change your rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries were fraudulently added to my credit report..These are not my inquiries XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXXXXXX XXXX Acceptance XXXX Service XXXX XXXX Bank XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also remove XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PXXXX XXXX  XX/XX/XXXX ..Rent Recovery was settled in Civil Court my security deposit was kept
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 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting 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. XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX Avant : # XXXX, XXXX Acct # XXXX XXXX XXXX Acct # 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 ) ( XXXX ) 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. 
I will continue to submit complaints until this matter is resolved, XXXX and XXXX has already removed these items cause they do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wont delete fraudulent inquiries on my credit report police report was sent and affidavit, inquiries are XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 had an auto loan with Ally Financial which began XX/XX/XXXX. The auto loan was completely paid off in XXXX of XXXX. Also in XXXX on a recorded call Ally agreed to remove ALL late payments on my credit report. The reference number to the XXXX case was XXXX. After a couple weeks of not removing it. I called back in XXXX to check the status. The representative acknowledged that she seen the agreement from XXXX and was confused of why it wasnt yet resolved. The rep open a separate case to attempt to get it resolved faster. The XXXX reference number is XXXX. As of today the late payments for XXXX and XXXX are still present on my credit report. Ally Financial failed to remove the negative marks as agreed. Im requesting Ally Financial to remove these negative marks from all 3 credit bureaus XXXX, XXXX and XXXX as soon as possible.
Product: Debt collection

This company pulled my credit report without my consent and is using that information to harass me. I have asked for a debt verification letter, and the company has stopped sending me emails, but continues to call me 15-25 times in a row every morning and afternoon, usually while I am at work. They are also using internet-generated numbers, so it's never the same phone number that calls. 

The company still has not provided the requested debt verification letter, either. 

Cedar Business Services Email sent XX/XX/2022 : What are you referring to? Your company has consistently claimed this debt against me, but you haven't provided any of the debt validation paperwork. This is a request to validate the debt you are contacting me about. I do not know how your company gained my information, as I have never heard of them. Your company has also illegally obtained my personal information and have used it to harass me at work by calling my phone. Therefore, until debt validation is received, in accordance to my state law, do not contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. I also have not received any results for the disputes that i opened on these items from the credit bureaus. Its like they didn't even open the investigations because i have received no notice regarding how the company responded. Please help me any way you can.
Product: Money transfer, virtual currency, or money service

Paypal asked me to verify some information to open a PayPal cash account, I provided my ID, proof of address and a paystub with my SSN. Even though I provided all these details PayPal has still partly restricted my account and I am unable to use PayPal cash services.
Product: Debt collection

Sent letter regarding a debt which I do not recognize. I sent letter back disputing the debt and used CFPB template requesting numerous questions to be answered by debt collection agency. Received response from a company with a different name and attaching summary of purported debt more than XXXX years old. This may be fraudulent as far as I'm concerned as I do not recognize this purported debt and furthermore they did not answer my queries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I had been laid off and struggled financially the whole year looking for work at many places and took a few jobs that helped prolong my savings while I continued to apply for more positions. It was finally in XXXX of XXXX after my savings was depleted and the couple jobs I worked didnt bring in enough that I contacted XXXX XXXX who we pay our mortgage through to let them know I am going to be experiencing a financial hardship and what can I do ahead of time so that I dont mess my credit up and have to go into foreclosure. They sent me to a department where I make smaller payments but they still marked me as late payments which I feel does not reflect my character and my financial habits which I am very responsible. Thats why I reached out to them ahead of time. I feel that under the circumstances I should have the derogatory mark on my FICO score removed so my score can improve. I am purchasing a business with up money Ive saved up and would like to apply for a business credit card but dont want to apply until I know that once my credit takes a hard hit that it will be worth it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I contacted the credit bureaus to dispute fraudulent accounts. I followed their protocol. Obtained police report, filed a report with Federal Trade Commission. identified the items in question with account numbers. provided social, Driver Licenses, and utility bill.
Product: Vehicle loan or lease

I took out a loan on XX/XX/2015 with XXXX XXXX in XXXX, Illinois. The total amount financed was {$21000.00}. After moving to XXXX I went to another XXXX car dealership in XXXX, NY to request to trade in the vehicle. The representative at this dealership noticed that the loan was overvalued. I am XXXX speaking and had applied for the car loan but was not provided with verbal information or written documents in my native language. After reviewing the loan contract with a financial coach, we identified two supplementary insurance packages added to the loan which has increased the cost of the loan and impacted my ability to pay. The Gap Care Advantage package was added to the loan for a value of {$590.00} and Autoguard was added to the loan for a total of {$1800.00}. I did not consent to these insurance packages. I also noticed a discrepancy in that contract that states the cash down payment was {$3500.00}, however the receipt given to me on the date I took out the loan was for a cash down payment of {$2000.00}. I requested a cancellation of both supplementary insurance packages. I have only received a response from Auto Guard for a partial refund of {$280.00}. The entire cost was {$590.00} and I never consented to the purchase of it. In addition to the dollar value of the insurance, because it was added to the loan, I have also been paying interest on top of the original value. The refund was sent to the car dealer by the insurance company but the car dealer has not provided any information regarding the refund of this insurance. I have called the car dealer on many times and they say they will call back but they never do. I have not received any response regarding the refund of the other insurance package valued at {$1800.00} plus interest on the loan. They also told me that after 6 months of payment, my interest payment would be automatically reduced to 2.99 %. At the time I asked the representative at XXXX to write this down for me and she said she could not, but I could write it down on her business card. Because the car dealership was not providing the financing themselves, they should not have provided me with an offer they had no control over and couldn't execute. They also told me that my payment would be $ XXXX monthly but it ended up being {$330.00}. When I went back to inquire they said it would be reduced after 6 months. When I returned after 6 months they denied making this assertion. I requested to speak with the representative who originally made this offer but they said that person is no longer at the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account turned over to XXXX with an incorrect amount ( initially the credit report showed {$1700.00} ) An adjustment made, but still incorrect amount ( shows {$910.00} ),  and management admitted charging rent on two different lease contracts, as admitted in an email on XX/XX/2018, yet they are still trying to charge a reletting fee ( {$990.00} ) which is illegal and still reporting an incorrect amount on my credit report without removing the illegal fee of {$990.00}.
Product: Mortgage

Please see also my complaint XXXX Today I received a letter from MyLoancare, accusing me that I missed my XX/XX/2021 mortgage payment and was threatened that Myloancare would report missed Payments to the major credit bureaus.

I a phone call with the Loss Mitigation Team from MyLoancare on XX/XX/2021 at XXXX XXXX  I was assured that I am on a approved Forbearance plan and that my next payment would be due on XX/XX/2021. I am very worried, that I loose my house and that their reporting ruins my credit score.

I called several times and sent around 20 emails. I always get a standardized answer that my email was forwarded to their " Specialists '' and I would get an answer soon. I never - ever - received and answer. I don't know what to do anymore, this company never answers. 
On XX/XX/2021 I checked my account on their website and i could see my Forbearance plan and that the next payment would be due on XX/XX/2021. After receiving this threatening, intimidating letter today, I checked again and it was gone.
Product: Credit reporting

A severe violation of the FDCRA law has occurred, particularly FCRA 611 Procedure in case of disputed accuracy ( 15U.s.C. 1681i ) Requirements relating to reinsertion of previously deleted material. Because I have been a victim of fraud, I have credit monitoring services for Transunion, XXXX and XXXX to keep me abreast of any changes to my reports. On XX/XX/2017 I received notices that Transunion had deleted an collection account from my report, XXXX XXXX XXXX, I went to verify and sure enough it was deleted. However, when I went back to check it was reinserted on XX/XX/2017. The law states that a consumer reporting agency shall provide to a consumer in writing no later than 5 days after the reinsertion date. To date, I have received no such notice. This is a complete violation as I have not been notified and when I called the Special Handling Department and spoke with a US Agent, they said that it was nothing they could do unless I disputed it. However according to the law they FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THAT IS NOT TRUE. 
I am desperately seeking your help to get the XXXX XXXX XXXX account removed from my Transunion credit report because they violated the law and re-inserted it.
Product: Mortgage

In XX/XX/XXXX, I called Franklin American Mortgage company to understand the removal process of PMI. The representative requested my pay {$2100.00} under principal to reach 20 % of my loan amount. I paid and requested amount to remove my PMI. The lender provided me a mail id and asked me to send a mail ( no procedures given ). I spoke to customer care couple of time and chat with them on XX/XX/XXXX. There is no proper response from the lender/CC to remove the PMI. I sent multiple mails to XXXX. No response. There is no direct number to discuss on this regards. For the past 3 months I have been paying my PMI even after reaching 20 %. Lender says it will take 2 monthly to get reply for the mail. The ticket I opened with the lender got closed. Federal should take corrective action to save barrower from this kind of issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian Credit Report shows XXXX XXXX sent to collections from XX/XX/2018. This was related to an on the job injury covered under XXXX 's XXXX. I provided the collections agency with the Workmans Comp Account number, along with the Emergency Room Billing Department which show no more record of me personally owing anything. I have Disputed this threw they system, providing all necessary documentation, and they still do not remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX AL XXXX WY XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00}
Product: Credit reporting 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. 

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 an 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I recently started to monitor my credit with an agency. 
When I pulled my credit, I saw this negative charge off from General Motors Financial Company , Inc . 


I was never informed they were charging me more money or that there was a problem. 


I turned my car in to the company after my lease was complete. I had made on-time payments throughout the entire lease, and when I returned the vehicle, it was in pristine condition. 

The vehicle had previously been scratched in a parking lot. Of which was repaired and paid for by my insurance company. 

They never said anything to me when I turned it in for inspection. I was unaware they were charging me more money. 

Now I see that it is on my credit.