23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was forced to close my sign store due to the XXXX Pandemic. In XX/XX/2020 I was diagnosed with XXXX and was hospitalized for a month. During this time I applied for a forbearance plan and was told that my investor did not participate. I don't know who my investor is but the world is in a pandemic and my investor does not want to help. Now, I have recovered and back to work and would like to start making my mortgage payment again but the lender is refusing to take payments. I applied for loan modification and or deferment and was denied, they did not give me a reason why I was denied.
Product: Credit card or prepaid card

I wrote previously about this issue ( last night ). The company XXXX ( Conduent ) is very, very difficult to deal with, there is NO way to send email to try to get help for any problem you are having. It says " Contact US '' but the page is blank and there are no links in order to contact them. It is very obvious the company wants you to spend 50 cents numerous times in order to contact them to TRY to straighten out any problem you may be having. AGAIN. there is no email link, the telephone service does not give an option to speak to a representative to help you. when you finally do get a representative, they tell you thay can't help you with the problem for one reason or another. This is Government Benefits. Do I need to contact the Government?? This is absolutely ridiculous that this company is holding people hostage to their mean and hateful practices and waaaaaaaaay overcharging them without being able to get any assistance ... ... .SOMETHING HAS GOT TO BE DONE ABOUT THIS SITUATION.
Product: Mortgage

I had a HELOC account attached to my property in XXXX, CA. No payments were made after XX/XX/XXXX. I moved back to New York in XX/XX/XXXX. My property was foreclosed on by the XXXX in early XXXX. 
DiTech has been sending me monthly invoices requesting payment of the HELOC. I notified them ( at the time they were Green Tree. DiTech responded to my letter ) in writing in XX/XX/XXXX, that I disputed the validity of this debt and did not acknowledge that I owed it. I also reminded them that the CA statute of limitations was 4 years and had passed. I received a letter that basically blew me off and they continued to send invoices. 
I filed complaints in NYS and CA, as well as with CFPB ( Case # XXXX ). Invoices are still coming.
Product: Debt collection

I moved into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, on XX/XX/XXXX, I moved in on a 12-month lease. Prior to me moving in I put a {$500.00}, deposit with the first months rent. During my stay I never was late with rent my rental history was good always on time payments. Once my 12-month lease was up I decided to move. I went to XXXX XXXX XXXX in XXXX Texas. Before I moved, I gave the proper 60-day notice to move. Before I moved, I did a complete walk thru with the property manager, on XX/XX/XXXX, which was a few days extra, I paid {$250.00} for the extra stay. XXXX XXXX XXXX received a rental verification from XXXX XXXX XXXX XXXX stating that I did not have any balance with them. Then in XX/XX/XXXX I was having a hard time getting a place to stay, even though I have stay in 3 apartments since. I was told by now apartment manager that I was in collections for money owed to XXXX XXXX XXXX XXXX, with Pro Collect and this was on my credit since XX/XX/XXXX, in the amount of {$340.00}. I never received my deposit back and never received any notice that there was a now balance after there was not with verification to my new apartments which at that time was XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX XXXX had my new address and apartment number to be able to send me any correspondences about any newfound balance that they discovered error. However, I never received one letter no phone calls or emails. When Pro Collect took over, I never received any correspondences from them at all about any new founded balance. Less than one month of me moving into my new apartments XXXX XXXX XXXX  is when Pro Collect was added to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint submission is in regards to an Unauthorized Inquiry reported by CITI BANK / CITI BANK NORTH AMERICA. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITI BANK / CITI BANK NORTH AMERICA is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Credit Services Dispute Department, who then gave me their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Department had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITI BANK / CITI BANK NORTH AMERICA immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITI BANK / CITI BANK NORTH AMERICA is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Product: Credit reporting or other personal consumer reports

I am reaching out to report a case of identity theft and fraudulent accounts and hard inquiries that are still appearing on my Equifax credit report, despite my efforts to have them removed. I sent my letter on XX/XX/XXXX and XX/XX/XXXX. However, as of XXXX, XX/XX/XXXX, the fraudulent hard inquiries have not been removed from my credit report. 

I have contacted the bureaus XXXX  times, but their agents have not provided a satisfactory resolution. Each time I call, I receive different answers, and the problem remains unresolved. They have requested that I resend my documents, stating that they are invalid without clear reasons. I have even sent my IDs to them, but they have not acknowledged my request to remove the hard inquiries. 

I have also reached out to the company responsible for the fraudulent inquiries, but they have not taken any action. The fraudulent accounts on my reports are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have attached the same XXXX  report that I sent to them, along with my IDs and proof of address. I would appreciate it if you could take immediate action to have these fraudulent inquiries removed from my credit report.
Product: Debt collection

I sent out letters of validation and deletion letters to Bank of America to make them validate a debt that they say that I owe. Never received a response back or any validation that the debt belongs to me. According to the Fair Debt Collection Practice Act, when I send out a letter of validation, the company has 30 days to respond with the correct validation or else it must be deleted from my credit report. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my XXXX credit report and I found a Hard Inquiry of CHASE CARD on XX/XX/2018. Just called them to ask about this since I haven't submitted any credit card application and they just told me to call XXXX. Called XXXX and they confirmed that CHASE CARD has my social security number and name correct but my address incorrect and that I need to call them again and explain this but they don't help me with this issue. I just need that Inquiry to be removed from my credit since I didn't submit anything to them neither ask for credit to them.
Product: Credit card

On XX/XX/XXXX, I received a voicemail and subsequent email from Discover Credit asking for information regarding the verification of personal information. This is the last time they attempted to reach out to me via phone call. The next and last time Discover reached out to me was on XX/XX/XXXX via email notification that I needed to update this information. Please note, my email unfortunately didn't flag either of these 2 specific emails and any other emails from Discover did not make a mention of this. Additionally, Discover Credit failed to send a notice to their secure message center nor was there a notification from the banking app itself. 

I only found out about this on XX/XX/XXXX when I attempted to purchase with my credit card, I do not use this card too often in an attempt to limit credit debt. After calling a branch manager, I was notified of the situation and told that the last day to remedy was XX/XX/XXXX. I was suggested to voluntarily close the account before they did to minimize the impact on my credit score. Discover did not attempt to notify me whatsoever in XXXX regarding this. 

I worry about the immediate consequences of Discover closing my oldest credit card which I've maintained since 2016. There has never been a past instance of this in the past, where something like this has come up. This credit account is currently in good standing with a balance of {$0.00}.
Product: Credit card or prepaid card

I was offered a {$250.00} Gift card towards a XXXX XXXX stay if I applied for a credit card. I applied for the card, and I received the credit card and also the {$250.00} gift card. However, when I went to book the hotel reservation, I was told that the gift card could not be used with the prepaid rate, even though the ad for the card was shown with the {$250.00} discount. I have asked XXXX to honor this discount, and they declined to do so. Please see PDF attached called XXXX reservation : In yellow highlight pen, I show where the offer was made : Prepaid rate + {$250.00} discount with the promotional gift card.
Product: Debt collection

Have received XXXX collection letters from TRS Recovery Services Inc claiming I owe {$1200.00} for appliances that were purchased from XXXX. Plus they are attempting to collect an additional {$120.00} for return check fee. Total {$1300.00}. I have neither purchased any goods from XXXX in the last years. I have no XXXX Credit card. Have no idea how they obtained my name and address. I am XXXX years old and know XXXX are targets of fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO. XXXX XXXX XX/XX/year> Subject : Complaint Against NAVY FEDERAL CREDIT UNION Regarding Improper Use of My Credit File To Whom It May Concern, I am writing to formally file a complaint against NAVY FEDERAL CREDIT UNION for violations of federal statutes related to the improper use of my credit file, reporting of information without consent, and failure to comply with legal obligations regarding debt reporting and income recognition. 
1. Unauthorized Use and Reporting of Credit Information : NAVY FEDERAL CREDIT UNION has failed to comply with 15 U.S.C. 1681b, which specifies permissible purposes for obtaining and using consumer credit reports. I never provided written consent for NAVY FEDERAL CREDIT UNION to report any information to my credit file. According to 16 CFR 313.7, financial institutions must obtain explicit authorization from consumers before sharing nonpublic personal information unless an exception applies, none of which are applicable here. Additionally, under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous disclosure of their information-sharing policies and practices, which NAVY FEDERAL CREDIT UNION failed to do. Their actions also appear to violate 15 U.S.C. 6805, which empowers regulatory bodies to enforce these provisions. 
2. Lack of Transparency and Consumer Rights Violations : NAVY FEDERAL CREDIT UNION has disregarded my consumer rights by failing to provide adequate notice or obtain my written consent before furnishing information to credit reporting agencies. This omission violates the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Their noncompliance with transparency requirements and failure to respect the confidentiality of my personal financial information is concerning. I respectfully request that the CFPB investigate NAVY FEDERAL CREDIT UNION practices to determine whether they are in violation of federal laws, including but not limited to : 15 U.S.C. 68026805 ( GLBAs financial privacy rules ) ; 15 U.S.C. 1681b ( FCRAs permissible purposes for credit reporting ) ; 16 CFR 313.7 ( GLBA privacy and opt-out regulations ). Additionally, I request clarification and appropriate remediation regarding : The unauthorized reporting of information to credit bureaus without my explicit written consent. Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance and protecting my rights as a consumer. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the publication of certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681b, credit reporting agencies may only include information in a consumer 's credit report if there is a permissible purpose defined by law and if the consumer has explicitly authorized it.

In this specific case, I never gave my consent, nor was I presented with any contract or disclosure explicitly authorizing, either in writing or verbally, the publication of the following accounts on my credit report. Therefore, the inclusion of this information is inaccurate and constitutes a violation of my rights as a consumer. 

Accounts in Dispute : Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Furthermore, according to XXXX5 U.S.C. 1681c-2, when a consumer submits a formal identity theft report, credit reporting agencies must block any information identified by the consumer within four business days. Although this case does not involve identity theft, the lack of consent and disclosure reflects a violation of the FCRAs principles requiring accuracy, transparency, and lawful reporting.

I am also attaching my FTC identity theft report to support my dispute, including the report number : FTC Report Number : XXXX. 

I remind you that under the FCRA, you are required to complete your investigation of this dispute. Failure to comply with these legal requirements may result in additional actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.
Product: Debt collection

I was contacted by XXXX XXXX XXXX. They informed me that i had a debt in collections from PayPal. I only have one PayPal account and it is in good standing with the company. ( i called PayPal to confirm ) XXXX XXXX XXXX offered me a 30 % discount to pay my balance off. They frequently call and have sent a certified letter in the mail. Paypal has confirmed that I do only have one account with my social security number and noted on my account that there was a phishing attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score and found 5 hard inquiries (from XX/XX/XXXX to XX/XX/XXXX) from Credco (below) on my Credit Report.  I never authorized this company to check my credit.  I refinanced my two houses with XXXX which could account for the 1 hard inquiry on XX/XX/XXXX with XXXX. Inquiry detailsCredcoInquiry from XX/XX/XXXXXXXX CredcoInquiry from XX/XX/XXXXMisc.CredcoInquiry from XX/XX/XXXXMisc.Institution InformationCredcoXXXX XXXX, CAXXXX(XXXX) XXXX-XXXXCredcoInquiry from XX/XX/XXXXMisc.XXXXInquiry from XX/XX/XXXXReal Estate/Public Accommodations
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute negative information on my credit report maintained by the credit reporting agencies under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding permissible purpose.

Upon reviewing my credit report, I have identified certain negative information that has been reported without my explicit permission or a permissible purpose as defined by the FCRA. As a consumer, I have the right to control who can access and report information about my credit history, and I did not authorize the reporting of the negative information in question. I hereby request that the credit reporting agencies conduct a thorough investigation into the reporting of this negative information and provide documentation demonstrating the permissible purpose for its inclusion on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only permitted to furnish consumer credit reports to those with a permissible purpose, such as for credit extension, insurance underwriting, employment, or other legitimate business transactions.
Product: Credit reporting or other personal consumer reports

Multiple Data breach victim. 
negatively affecting my credit on my credit report fraudulent data. I received nothing from this inquiry. Please delete asap! to the Fair Credit Reporting Act 15 USC 1681 section 602 a.

Per Section 609 of the Fair Credit Reporting Act ( FCRA )
Product: Mortgage

There is something wrong with the modification done by Bayview Loan Servicing. The loan from Bayview was transferred to XXXX XX/XX/XXXX ( which is n't any better ) but I need to deal with one at a time. I want to refinance my home. My mortgage statements from XX/XX/XXXX - XX/XX/XXXX have a total amount due of $ XXXX. In XX/XX/XXXX I sent a request for explanation of what the XXXX is. XX/XX/XXXX, I received a letter giving the " Corporate Advance Breakdown ''. There are attorney 's fees, litigation fees, attorney title costs ( what is that ), XXXX atty cost, auction fees, MISC, really MISC, etc. I ca n't get anyone to answer me or call back to explain these descriptions AND if I were doing a modification, why would there be attorney fees or litigation fees? The modification process with this company was so painful and the worst experience. Obviously I needed help because I was asking for a modification and I am afraid they took advantage of my situation. 
I received a letter dated XX/XX/XXXX titled LOAN ADJUSTMENT AGREEMENT CORRECTION LETTER saying " Due to a clerical error the Deferment Amount of {$100000.00} has been adjusted to reflect the correct amount of {$92.00}, XXXX. 
As the corrections inure to your benefit and represent the intent of the original transaction, Bayview Loan Servicing , LLC has updated your account accordingly ''. BUT my XX/XX/XXXX XXXX statement is confusing and payment went up {$110.00} AND if looks like the {$9900.00} was was added to my XXXX mortgage. I am not a loan officer or mortgage expert so I do n't know what is happening. All I know is I need help and explanation to figure this out. 
Like I said, the modification process was a joke. I would get duplicate packets in the mail saying I was not approved after I had already signed and sent back paperwork and had a modification agreement. This happened twice. Please Please Please check this company.
Product: Debt collection

I have received repeated phone calls and emails by Hunter-Warfield about a debt that they did not show proof of ownership for. I have never been contacted by the property themselves for this collection. Ive attempted to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I HAVE SEVERAL UNRECOGNIZED ACCOUNTS SHOWING ON MY CREDIT REPORT. I AM DISPUTING THE FOLLOWING ACCOUNTS XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I HAVE REQUESTED DOCUMENTATION A FEW TIMES IN XX/XX/XXXX AND XX/XX/XXXX. I NEVER GET ANY CLEAR ANSWERS OR PAPERWORK. THESE ACCOUNTS ARE FRAUDULENT. I DISPUTE THEM UNDER FCRA 623, 611, AND 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts.

1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report.

According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Transunion LLC Consumer dispute center po box XXXX XXXX, PA XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My XXXX XXXX - XXXX XXXX 2. My Address - XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT XXXX5 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
Product: Debt collection

The company is Midland credit solutions. IT IS FOR XXXX XXXX  WHICH THE ACCOUNT INFO IS WRONG. Their are similarities in name but birthday and social are totally different and it has been verified. Also charter is not available in my part of XXXX. we have XXXX. They hung on me and were very rude and would not remove the charge from my credit report even tho they knew I'm not the person that they are looking for.