23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an XX/XX/XXXX loan back in XXXX. I did a loan modification and the 20 % loan in the amount of $ XXXX went away around XXXX. In XXXX I tried to work with the debt collector Dyck-Oneal, Inc as this debt was very old and I no longer owed it. I had to sell my home in XXXX and they had a lien on my property for $ XXXX. They took my money from the sale of my home. How did it go from $ XXXX to XXXX. This left me in major financial bind. I called Dyck-Oneal crying and they didn't care. I wasn't able to complete the sale of my house until they got the money. This was a great rip off, it wasn't fair and I would like you all to look into this so I can get my money back. I am a XXXX XXXX and I did some research and found out that many of us were treated the same way, today the CFPB did a press release also talking about the same thing! My family and I were treated so unfairly and this was simply a money grab for them. Almost like a knife to my throat.
Product: Mortgage

Lending Force contacted me on my mobile line XX/XX/2022 using an automated dialing service for a mortgage. I have not contacted Lending Force or any affiliate to obtain mortgage.
Product: Mortgage

We were supposed to close on a condo loan on Fri XX/XX/XXXX. We have been upfront with the mtg loan officer since the inception that we were buying AN 'AS IS " is home and as soon as we close we were going to do multiple projects starting with removing popcorn ceilings painting interior, redoing 2 baths and redo kitchen etc. Multiple problems arose with a structural report, lender making us fix numerous things before closing or escrowing additional money for it when we told him we were going to do this when we own the property. We were also personally disrespected with him saying XXXXYOU ASK TOO MANY QUES ' AND " I JUST TOLD YOU ''. We have been home owners since XXXX and since our retirement have gone minimalist route and now decided to get a humble condo with a {$56000.00} loan putting XXXX per cent down. We originally were told closing costs would be {$5000.00} and now its close to {$7000.00}. In addition they want extra ESCROW to put BANDAIDS ON the things were are going to renovate in toto. We told this loan officer this from the inception. We had been told by another realtor that this loan officer was not good and prevented another closing in the past and she did not care for him but by the time we found out we were in tons of paperwork. I dont want this to happen to anyone else. My husband and I feel discriminated on in many levels. XXXX XXXX, XXXX last name and condescending abusive language. We told his supervisor who said he would give him extra training but no one tried to expedite in a timely manner to keep our closing date. With the contract b eing broken by the lender we cancelled on this date XX/XX/XXXX and are requesting our {$500.00} deposit back. We were starting to get flack from the loan officer and were never aware of the structure report. 

I wonder if there are kickbacks here from not closing. We were also made to take a XXXX XXXX course with no explanation except it would save us a lot of money. Pls help.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Requested supporting documentation to show that this is my debt more than a dozen times thought out the last year and have yet to receive. 
2. This debt is not mine. This must belong to my twin brother who obviously has the same birthday as me and has the same initials as me. His initials are XXXX  just as mine. 
3. Per the report, this is from 2014 and is now approaching 7 years old and have YET to receive any resolution. 
4. The 3rd party collections agency has called numerous family members and my work when I've specifically asked for the supporting docs numerous time and told them this is not my debt. Ive told them NOT to contact anyone but myself, that I would continue telling them the same thing over and over again until they could show me that this is MY DEBT! 
Someone, PLEASE HELP with resolution! Thank you!
Product: Debt collection

Ive been getting multiple calls a day, and they are also calling family members, from global processing solutions that claims I have a debt from XXXX. Any information they verbally verify has information from roughly XXXX as well as some information that doesnt even belong to me. I requested validation and they claim its in a file for evidence and are unable to share with me since this case is due to go to court for wage garnishment and asset freezing. Upon reviewing their information through the XXXX they have multiple complaints as well as being banned to do business from the XXXX. Please look into this company as they are not practicing legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting refuses to allow a consumer statement to be issued into the account disputing the entire charge from American Express. Additionally the date that the American Express account was closed was XX/XX/XXXX, and not XX/XX/XXXX. Furthermore the amount in dispute is smaller, and American Express and/or XXXX have inflated the charges. The total amount disputed at the time of account closure was {$1900.00}. 

The amount was disputed because American Express failed to protect me from charges resulting from faulty merchandise covered under a one year warranty. 

Previously I tried to submit the dispute online with XXXX, but their web portal won't allow a consumer statement. At my request, XXXX escalated the matter to a XXXX XXXX, supervisor of technical services, but  XXXX advises that she is not willing to correct this problem, and that what I see is what I get.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX XXXX  XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX Mortgage Loan Originator NMLS # XXXX XXXX XXXX XXXX XXXX  ' XXXX My spouse called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my husband with what he thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted me directly to consent to this inquiry. My spouse was NOT aware this was for a mortgage application or loan as she never identified herself as such. I called her directly later in the afternoon after receiving an email that my credit had been pulled. She answered the phone with " Hello '' to which I asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once I realized she pulled our credit, I queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

I called again later in the afternoon after checking my credit report via creditkarma. I explicitly advised my credit was pulled with my date of birth and social security without consent. Same for my spouse. There was no formal application with signature on either of our ends. I had never even spoken to her. I asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing. 

PLEASE ADVISE. I attempted contact with credit union ( s ) directly but was advised I needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Information attached is only after I reviewed my credit report and realized she is with a mortgage lender and not to screen for VETERAN eligibility related to the house/listing. 

Thank you.
Product: Credit card or prepaid card

I was affected by XXXX XXXX everyone in my house got XXXX and I had several family members pass away one recently in a XXXX home. I have been calling trying to make a payment and they are always closed and after I finally call on my break and speak to some one they transferred me to a lady in a different department who was rude and hung up on me and refused to take my payment.
Product: Mortgage

I fell behind on my mortgage payments. I called, emailed and mailed letters to the servicer for XXXX XXXX XXXX XXXX XXXX I applied for a loan modification 3-4 times in XXXX, I was denied 4 times for NPV. I appealed the decision and was granted a temp loan modification. I noticed that the Temp loan modification payment was very high, I assumed this was part pf the plan to get me caught up considering I had paid the servicer {$24000.00}, prior to being denied for the first 4 loan modification. I paid the 3 Temp loan payments that were {$4700.00} per month, which was not and is not my loan payment amount. On XX/XX/XXXX a loan packet was left on my porch, reviewing the detail the packet says I had until XX/XX/XXXX to return the documents, which made no sense to me seeing that I didnt receive them until late XX/XX/XXXX and they were left on my porch. how does this company give less then 1 week to return documents After reviewing the detail my fear was correct the loan payment increased significantly, I then noticed that the reason for the huge increase was because my loan that was good until XXXX, now says its due in XXXX, 10 years were removed from my loan. This is not a loan modification at all, so I called and spoke several agents who also cited this must be an error why would we remove the 10 years. I sent in 4 letters asking for clarification to be told in writing that this was not a mistake this is my new modification I respectfully declined the offer and asked for a manager via a phone call. 
Based on my research and in the servicers site it says that loan payments can be moved out to help the borrower stay in the home why am I being targeted with a huge increase due to this grotesque increase I am unable to afford my home. The payment increased by {$1400.00} so instead of paying what should be {$3100.00} or less the payment is now {$4700.00}, I am a retired XXXX year old senior citizen. I ask how is this a loan modification to help borrower by accelerating the payments. I am asking for a correct loan modification that is feasible and reasonable. My request has gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see I have disputed the same two accounts : XXXX # XXXX and XXXX # XXXX. I disputed previously that this account is reporting inaccurate information. The are reporting never late and bankruptcy for the status but its reporting multiple dates late from 30, 60 and 120 days. As this account shows that I paid it off XX/XX/2021. Which is inaccurate since an account in bankruptcy would not be paid to a creditor 7 years later in bankruptcy. I never paid anything which again I disputed with Experian. 
With the XXXX account I have disputed the reporting of inaccurate information as well with incorrect dates and status. 

I received an update from Experian today which they state " items unrelated to your dispute has been updated '' When I review the updated documents compared to the before and after there is no change or " update " which Experian states. 

Once again Experian continues to not actually investigate these disputes and goes as far as stating that they updated accounts when they haven't.
Product: Credit reporting or other personal consumer reports

Disputed multiple accounts that are reporting inaccurately on credit report and the balances which are all incorrect. XXXX refuses to correct the information even when contacting and disputing for them to verify the information
Product: Credit reporting or other personal consumer reports

I formally dispute the reporting of an XXXX XXXX business account on my personal credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy in credit reporting. Including this business account, for which I am merely an authorized user and not the owner, constitutes a clear violation of this mandate, as I bear no financial responsibility for this account.

The inclusion of this account has severely impacted my credit score and, consequently, my financial and personal life. It has caused difficulties in securing financial opportunities, including higher interest rates, denials of credit applications, and undue stress. These consequences have arisen solely from the inaccurate reporting of a business account that does not belong on my personal credit file.

Additionally, according to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information providers, such as XXXX XXXX XXXX XXXX prohibited from furnishing information they know or have reason to believe is inaccurate. The attached documentation from XXXX XXXX explicitly confirms that this account is a business account, further substantiating that it does not belong on my personal credit report. 

I hereby request the following actions : Immediate re-investigation of this account in compliance with 15 U.S.C. 1681i ( a ) ( 1 ), including a review of the attached evidence, which establishes the account 's status as a business account.

Removal of this account from my personal credit file, as required under 15 U.S.C. 1681c ( a ) ( 6 ), to ensure compliance with accuracy standards mandated by the FCRA. 

Please confirm the completion of your investigation and any corrective actions taken within the 30-day period stipulated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

XXXX : XXXX XXXX : XXXX XXXX XXXX, XXXX Responsibility : Individual Open/Closed Closed Experian Account number XXXX Individual Open/Closed Closed Date Opened XX/XX/XXXX XXXX Responsibility : Individual Date Opened XXXX XXXX, XXXX Date Closed XXXX XXXX, XXXX Thank you for your attention to this serious matter.
Product: Credit reporting or other personal consumer reports

Chrysler Capital. since you hang off the phone on me I'm very respectfully asking you to report the account which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I don't want to do another complaint because I really want to buy another one and I hope we can have good relationship together. So please report the closed account which is fully paid off to the right name and address. Please don't tell me that it's closed we can't do anything because same thing told me XXXX XXXX but in the end they agreed to do that for me which I really appreciate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent charge off account on my credit report : XXXX XXXX XXXX XXXXXXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files Experian, XXXX XXXX, XXXX. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Experian CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed that I have two medical debt collections on my XXXX and TransUnion credit report. 

The collection was reported to the credit bureau on XX/XX/XXXX. 

My date of service at the hospital was XX/XX/XXXX - XX/XX/XXXX. 

That is a direct violation of XXXX and the No Surprises Act. 

This is also a direct violation of the FCRA as the credit bureau 's are inaccurately reporting a medical collection debt that clearly violates XXXX and No Surprises Act. 

According to the XXXX XXXX Assistance XXXX, medical debts can not be reported to credit bureaus until they are at least 180 days past the date of first delinquency/service. With date of service being XX/XX/XXXX, and the collection being reported on XX/XX/XXXX, that is less that 180 days and is a direct violation of XXXX. 

According to the No Surprises Act, providers must give patients an opportunity to resolve billing disputes before sending them to collections. I disputed the hospital charges as they were excessive with my insurance company and my insurance company was working that out with the hospital when I received a collection letter in the mail. 

I disputed the reported collection with TransUnion and they provided me with results saying the collection was verified. They did not provide me with any information on their process for investigation and they didn't provide me with and supporting documentation. 

I have attached my medical bill from the hospital showing the dates of service. I also attached proof of the payments I was making while I was waiting on my insurance company to resolve the dispute. I also attached the dispute response from TransUnion, which you can see no supporting documentation was provided, and the certified letter I sent to TransUnion.
Product: Credit card

On XX/XX/year> I wrote to JPMCB CARD via USPS Certified Mail, " requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and the Fair Credit Reporting Act, along with New York City Administrative Code ( section 20-493.2 ). New York City regulations require all debt collectors to send specific written documentation validating the debt. Under section 2-190 of the Rules of the City of New York , validation requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge.

JPMCB CARD received my letter and signed for it at XXXXXXXX XXXX XXXX XXXXXX/XX/year> ( see USPS Tracking printout attached ). On or around XX/XX/XXXX, I received 2 replies from JPMCB CARD, one for each respective disputed account, stating that they " confirmed that ... reporting of [ my ] account is accurate '' without providing, nor mentioning any of the above mentioned proof documents I requested. 

On XX/XX/year> I wrote to JPMCB CARD for the 2nd time via USPS Certified Mail, informing them of their failure to place a notice of dispute on my account within 30 days as required by federal law, citing the FCRA and FDCPA laws and even enclosing a printout of 623 - 15 U.S.C 1681s-2 clearly defining a data furnishers duty to provide notice of dispute within 30 days. 

I received a reply from JPMCB CARD on or around XX/XX/year>, stating that they're " required to provide accurate information to the consumer reporting agencies and can make changes ... only if it's incorrect '' totally ignoring their violation of Federal law which requires them, as a data furnisher, to add a notice of dispute within the timeframe required by law. This appears to be gross negligence and disregard for the law and for affected consumers like myself nationwide. If they are unwilling to cooperate, hopefully the CFPB and US Attorney General can induce a correction of their behavior.
Product: Other financial service

on XX/XX/2016, the sprinkler system in my house failed and cause damage. All state did the evaluation and send a XXXX party check of XXXX named the Bank ( PennyMac Loan Services , LLC ) and homeowner ( me ) has the payee. The agent for the bank instructed me to endorse the check and send them. They will deposit the check and release the funds as the work progress in installment. I did as per their instructions. Made several Phone calls nothing happened. Today is XX/XX/XXXX. 
Now they are telling since we are in bankruptcy/ litigation. We are not going to release the funds.
Product: Student loan

I have been dealing with Sallie Mae do well over 10 years now. They have made paying them back almost impossible, I have asked if they could lower the payments and they wouldnt. They asked if my mother could give them her bank info and I said no, I tried making the payments but fell behind due to losing my job but I quickly got a new one. Tried working with them during Covid to no avail. I remember XXXX of 2021, we were all still on leave from working due to Covid and I didnt have much that was coming in financial wise so making Sallie Mae payments were tough. No matter what situation I explained it didnt mean anything to them. Back in XXXX of this year I am working with a debt consolidation company and I told Sallie Mae that this was what was happening and to call their number if you have any questions. They yelled at me and gave me attitude for choosing to consolidate through someone other than them and now theyre calling and harassing everyone in my family. No matter how civil I have tried to be they come back with so much toxicity that it makes it hard to speak with them. They dont offer any helpful benefits, they make threats and harass people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted TransUnion, XXXX and XXXX about inaccurate and unauthorized hard inquiries on my report over 4 times in 4 months. I've contacted them about inaccurate reporting on my credit report as well, I haven't had a response. 
TransUnion XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX DeptED/XXXX XXXX DeptED/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX NA XX/XX/XXXX XXXX DeptED/XXXX XXXX  DeptEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute letter on XX/XX/2022 demanding they delete multiple accounts on my credit report. Experian violated my rights as a consumer and published my personal information without my consent, I never gave Experian permissible purpose. I never wrote to Experian telling them they can publish my information. By law I have the right to exclude what I want from my credit report and I don't want these accounts being reported.