23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi Team, This is in continuation of the complaint I have raised against XXXXXXXX XXXX for incorrectly reporting my account as delinquent/defaulter with the credit agencies. 

I would like to add more information to my earlier complaint. I received a call again from XXXX XXXX on XX/XX/16 in evening hours EST. They confirmed that there were XXXX checks received. There was a stop payment issued on the first XXXX by XXXX. Then a second check was issued and received by XXXX XXXX. They enchased the check, however, they put into a wrong account and they are still reviewing this. It is the same conversation I have been having with them for last 2 months or so. The agent who spoke to me for over XXXX mins again kept apologizing for the mistake and said it it under review. 

I requested them for : 1. An escalation channel to get this request resolved 2. Establishing an email communication where they can inform me the status of escalation 3. Links/Notes/Transcripts of all the calls I had with them as they record all the calls. 

They did not agree to provide the notes. 

However, they said that they are going to talk to escalation teams and their supervisors who will call me to resolve this issue. 

I also mentioned to them that my credit score has been badly hit because of this and I am seeking a compensation for the same as I have had to spend enormous amount of time on this. 

I am adding all of this info and seeking your help in getting things expedited as the agents from XXXX financial keep calling me with the same info and they seem to get a bit impatient even after listening to them for XXXX mins yesterday
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 XXXX  : {$0.00}
Product: Mortgage

My wife and I wanted to refinance our mortgage and we contacted PennyMac to begin the process. We received our lower interest rate and understood that we will have a XXXX cash to close and about {$700.00} off of our monthly mortgage payment. Then, for some reason, the day before we were scheduled to close, we received a call saying that they changed the numbers of our closing to make it a {$800.00} cash to close and our monthly mortgage payment went up about {$100.00}. Then we had to start over again with setting up all of the numbers for our refinance and we got another statement saying that we will have a second attempt to close with a XXXX cash to close. Then, for a second time, the morning of the closing, I received a call from PennyMac saying that they changed the numbers again and we would have an {$800.00} cash to close and our monthly mortgage payment went up again. I would like to know why our original refinance had our new monthly mortgage payment around {$1200.00} a month and we ended up paying {$1400.00} a month after having the numbers changed twice within 2 weeks so we didn't get the original {$1200.00} a month payment that we were told.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have any items that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Mortgage

I have been in touch with over XXXX lenders up to and including the bank VP for Lending and have not received XXXX offer to refinance my current, well above market rate, loan. The problem seems to be that I do not meet the debt-to-income ratio Dodd-Frank implemented to " protect '' me. Thanks guys! 
I am seeking to refinance my XXXX XXXX %, fixed rate, {$130000.00} loan which matures in XX/XX/XXXX. The property is 40 % LTV, I have a XXXX FICO score, have never missed a payment, and have a liquid net worth excluding real estate equity over {$500000.00}. I earn money by investing and my XX/XX/XXXX AGI was over {$XXXX}. 
Obviously, it is difficult to imagine not being able to make the payments any time soon and harder to imagine letting the home go to foreclosure. Moreover, as I am not asking for additional capital, simply to not pay an extra {$2000.00} a year in interest, a new loan could only lower my risk. 
I would like to better understand how this legislation has done anything to protect/help me, a financially secure, responsible, savvy consumer.
Product: Payday loan, title loan, or personal loan

I got a pay loan for a XXXX. They said on the phone I would only have to pay XXXX back. I had to pay XXXX $ a week. I currently have paid them XXXX XXXX I go online to see my payment schedule and it says I have to pay them XXXX XXXX They did not tell me on the phone when I got the loan that I would have to pay XXXX XXXX  back. I do not have that type of money. I would of never got the loan if I knew I was gon na have to pay XXXX XXXX. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Mortgage

1. Flagstar bank has taken since XX/XX/2021 to process a mortgage refinance. 
2. This bank is also requiring me to amend my tax filing and requiring me to show proof the tax bill was paid. 
3. I asked the appraiser to go to the property and evaluate the property without disturbing the tenants. The appraiser required photos of the interior.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and it shows inaccurate public information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Product: Credit card or prepaid card

after i told them they cant harass me I have not got any bills so today XX/XX/2021 i called to find out why i was not getting my bills i was told that i informed them that they could not contact me so they told me i have to send a letter stating that they can send a bill i told him that no contact dose not mean no bill this is XXXX/synchrony car care all im asking is for them to send my bills
Product: Credit card or prepaid card

On XX/XX/XXXX, Simple closed my account with them without giving a reason. Since then I have had many many contacts with them in an attempt to get them to refund the almost {$300.00} remaining. They first stonewalled, then " sent a check '', which was undelivered ( and refuse to tell me the address they sent it to ) and returned to them, then they again went silent for 12 days before telling me that they are stopping payment on the check ( which THEY HAVE ) and reissuing a new one. Again, this has been ongoing for 90 days now. I previously filed a complaint, and they responded that I may have been the victim of fraud. When I contacted them about this, they did n't know anything, and again refused to talk to me.
Product: Debt collection

XX/XX/XXXX XXXX XXXX None Identity was used to rent an apartment! Breaking the lease & not paying debt owed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$16000.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX Bankruptcy Discharged XXXX ; XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Discharged XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Bank account or service

I have an account with PayPal and have funded it with cash for various purchases and other account activities. PayPal has locked my account due to the fact I transferred money from my PayPal account to my bank account. I currently have {$3000.00} in this account and PayPal is telling me they wo n't refund it to me for 180 days which is unfair and poses a hardship to me.
Product: Debt collection

This company received proper documentation that they have been submitting request for payment on a fraudulent account. Instead of ceasing and deceasing, they have engaged in very aggressive and harassing collection tactics. They even sold their fraudulent account to a collection company that ended up filing a bogus lawsuit, seeking a quick judgment trough cheating.
Product: Money transfer, virtual currency, or money service

I wish to use your organization to amicably settle my dispute with crypto.com regarding a financial scam that caused me significant financial and psychological harm. See attached PDF file.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX  Serviced by Loan Mart, continues to send out harrassing messages, stating, " need to speak with you about broken promises on your loan '' and was yelling thru via text with the words " ASAP! '' all in capital letters, which means they are yelling at the consumer. I feel harassed and being bullied by the company due to the fact that I have automatic recurring payments being completed every other week. No company shall harass any consumer in the way this company is doing. Each time I have paid, the next day they claimed I did not make a payment, and I did not have a " payment arrangement '' which is not true. Loanmart will not give any customers the 24 hour day before an email is sent out. For instance, Payment is Due on XX/XX/year>, and im planning to pay this particular payment by XXXX. By XXXX, an email is sent out claiming " You broke your agreement '' this is not true due to the fact that the Day have NOT ended. Per Federal Law, Fair Labor & Consumer standards act, there is 24 hours within the day. Not 4 hours. Loan mart is not giving the consumers a chance to make the payment, before a harassing email, phone call and text messages come out within minutes of them opening their doors. This can be emotional abuse to the consumer as they are attempting to navigate the work day, & have not had the opportunity to go online. If I was going to be treated like this as a consumer with zero respect, then I would never have gotten a loan from them. I guess this is how they treat XXXX XXXX as a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a dispute to Equifax about Hard Inquiries on my credit report I have received a reply stating I had to call the creditor but they could not verify the inquiries on my report.
Product: Mortgage

after many times contacting my mortgage company and explained my hardship situation with them and all problems i have since i lost my husband who supported me and we lost all our assets in XXXX  and sending all my required documents to the mortgage company the mortgage company does not show flexibility and still asks for the same items which isend more than 5 times and doesnot seem to cooperate with this issue and problem of my mortgage hardship to reduce monthly payment of my mortgage and i we are in a very difficult condition becuase of economy situation and lost all our assets and all belongings that we had and loss of income and covid 19 problems issue not able to make any source of income becuase of this pandamic and mortgage company already knows about all these still refuses to show flexibility and compromise and we are in very difficult financial situation and not able to make full payment of the mortgage unless the amount of mortgage shall be reduced monthly greatly apreciate your help and assistance with this issue to have mortgage company come up with more flexibility and reduction of our mortgage monthly payments thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I contacted XXXX XXXX to make some arrangements on my account i ask the representative was the account closed she stated no and proceeded to tell me that if i made a payment of {$230.00} in XXXX I would be placed in there hardship program so i continued to make payments with the understanding that i was in this program. I was then assured that the account would be updated that i was making payments as agreed and as long as i was in the hardship program i gain any interest on the account as long as i was in the program. then a payment of {$86.00} XXXX and then a payment of {$96.00} in XX/XX/XXXX and the XX/XX/XXXX a payment of XXXX so then i get a copy of my credit report to only find out that they are reporting the account as closed and also They were reporting it as past due. Payments they have gotten since XX/XX/XXXX XXXX, XX/XX/XXXX {$48.00}, XXXX XXXX, XXXX $ XXXX, XXXX XXXX Then i get a letter from XXXX XXXX saying that they were merging XXXX XXXX XXXX XXXX  and i should keep making payments as agreed on this account and i would get a new account number. So i contacted XXXX bank to try and find out what was going on and if the account was still open they said yes it is still openand i let them know that for some reason or another XXXX and them are still reporting this as a closed account and with a past due balance i was told disputing it would be the only way to correct the error with all three credit reporting agencies and once they recieve the dispute they would make the corrections and update the account with the bureaus.
Product: Debt collection

Our XXXX account was charged {$39.00} on XX/XX/21 by someone unknown to us using my debit card number which was never on the XXXX account. We contacted our bank the charge was fraudulent and our money was restored to our account. 
We closed the XXXX account. On XX/XX/21 we were contacted by XXXX XXXX regarding the debt. They said they would send an email of the transaction that we never got. On XX/XX/21 we talked to XXXX XXXX at XXXX regarding this debt. On XX/XX/21 XXXX XXXX stated he would send as fraud to XXXX. Now we have gotten a collection letter from American Coradius attempting to collect the same debt. These collection companies are harassing us by passing this fraud claim around in hopes of getting money they are not owed. 
Closed XXXX account # XXXXXXXX XXXX XXXX account number XXXX ( XXXX XXXX XXXX ) American Coradius International account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Fortiva XX/XX/XXXX and XX/XX/XXXX These were all soft inquiries that I did not authorize
Product: Money transfer, virtual currency, or money service

Hello on  XXXX  2017, I ma de an international transfer of {$2300.00} to my friend with moneygram ( ref id :  XXXX  ). I used my  XXXX  debit card and for some reason my bank has declined that transaction.so I taught the receiver never received that amount and I have informed my friend about the same.     to my suprise, today morning (  XX/XX/2017    ) I got a call from  XXXX  saying that you have an amount to pay for moneygram of $  XXXX + {$30.00} ( check returned fee ) .I explained  XXXX  representative that the amount never deposited in receiver 's account then why I need to pay that amount to moneygram. first I contacted them using live chat and they said we did n't process that transaction as your bank declined to pay that amount.then I called  XXXX  representative he advised me to call moneygram corporate office.then I called them the person who took my call ( at moneygram corporate office ) is very rude at me and refused to say any details and asked me to call  XXXX  for further details.I really disappointed with their behavior and no one has told me what 's going on exactly and the  XXXX  guy threatened me to pay that amount as today is the final day.so I paid that total amount of $  XXXX .here are my questions for moneygram.     1.why did you block my account and I am not able to see any transactions so how can I believe that the money deposited in receiver 's account?   2.on  XXXX  2017 I  made a transaction you have my email and phone number on file why do n't you call me or email me about the issue?   3.please provide me the proof showing that the receiver got that amount as I am not able to login into my account.     I have attached the screenshot of your representative who said that the transaction is not processed and if you fail to show that the amount deposited in receiver 's account.I will proceed legally and the way they approached about this issue is not at all good.
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DOVENMUEHLE MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

DITECH mortgage is a scam and ruining people 's lives and credit and they do n't have a care in the world. They process your mortgage payments at least 3 weeks or more after you have sent in a payment which the next payments has late fees because they took forever to process the payment. Asked for a loan modification due to my spouse 's XXXX and now I am in the foreclosure process. Things just dont add up, it takes eternity to speak to a rep and when you do they are rude and will transfer you around various times. They never receive any of your paperwork on time by fax or email. This company is a SCAM, RIP OFF how are they allowed to operate like this. Looking for help and a way out from DITECH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because   XXXX   has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

On XX/XX/18 I saw that I had an item on my credit for XXXX XXXX. It appears EOS is the collection company. I sent a letter requesting validation to the two credit bureaus that it was reporting to. On XX/XX/18 EOS sent me a letter that gave the name of the original creditor and the balance. They didn't include anything like a contract. They basically just said this is your debt and this is the original creditor. On XX/XX/18 I requested from the credit bureaus actual proof of how they validated it such as a signed contract from XXXX/EOS. Instead, I received a settlement offer in the mail from EOS dated XX/XX/18. My XXXX   credit report dated XX/XX/18 shows EOS remains. However, it doesn't appear to be on my XXXX credit report dated XX/XX/18. It has been just over 3 months that I have been dealing with this situation. I have followed the steps that I should to ensure the items on my credit report are mine and reported the way they are supposed to. EOS is keeping me from reaching my personal goals due to their unwillingness to provide the documentation that shows this debt is indeed mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by XXXX XXXX XXXX. 
Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not given consent to any consumer report agency to furnish my consumer report.

Under 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