23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX.I have requested on multiple occasions for Buckley Madole , P.C. ( BMP ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from BMP, nor XXXX ( XXXX ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE XXXX. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. BMP, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. XXXX XXXX : I have requested case numbers pertaining to these foreclosure filings and BFW has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively ATTEMPTING to have the incorrect information regarding my Student loans deleted from my credit report for entirely to long to no avail. I have contacted Experian to get correct validated data several times and each time they only retunr saying they have verified the info. I know this is incorrect because the information they are reporting is not the same on every account. Although these student loans show up as four individual loans, they all should have the same payment information as I was making 1 payment and the company XXXX was dispursing the payments to each account equally. So for the loans to not all have the same information is false. I contacted Experian via CERTIFIED mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, regarding this account being reporting incorrectly yet again. I listed my consumer rights as stated by FCRA law, as of today XX/XX/XXXX I have not had any coorespondence back from Experian regarding this urgent matter. To follow up once AGAIN, on XX/XX/XXXX, I mailed another letter stating that i expected Validated information showing my signatures on the deferment and forbearance paperwork showing the dates that the payments shouldve been included therefore NOT late. To this date I have not heard anything from Experian regarding this matter. It is against FCRA law, to which they are legally bound, for them to knowingly report false unvalidated debts on a cosumers credit file. I also stated the penalty for such acts per section 617 of  the Fair Credit Reporting Act for Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ).
Product: Debt collection

I am very discourage by a collector taking money from my family without first validating the debt, knowing how illegal it is trespassing private information with my employer now putting my family at risk without now having my check cutdown drastically taking also away from my child support for my other son.
Product: Payday loan, title loan, or personal loan

This loan 's interest rate is well beyond what is legal in my state. I have made several payments towards it but I did not realize the loan was illegal in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have filed a previous complaint. The company 's response was a joke. It ignored specifics to the complaint. I also must add my great disappointment with cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report I need removed ASAP.
Product: Debt collection

I received several emails from XXXX  XXXX, which is working through halsted financial ( which i do not understand how they can be two agencies coming after the debt ). The emails went from XX/XX/2021 to XX/XX/2021. On XX/XX/2021 I requested for the agency to validate the debt. Which could be validated by sending to me via email or postal service. After that date I have not received any validation, nothing regarding the debt and they refuse to respond. This is part of right for this to validated. Also they sent personal information to an email they thought was mine but never verified that either prior to doing it with information about a debt and amount owed ( with no validation of debt ) I believe they are now trying to pursue a judgment. With out covering my basic rights revolving debt. I have also read several articles of this agency going against consumers rights and a class action suit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX account ( # XXXX ) on my credit reports with Experian, XXXX XXXX and XXXX. The discrepancies in reporting between the credit bureaus are significant and require immediate correction or removal of this account from my credit reports. 

Inaccuracies Identified XXXX. High Credit : Experian : {$670.00} XXXX : {$0.00} XXXX : {$670.00} 2. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian, XXXX, and XXXX : XX/XX/XXXX These discrepancies, particularly concerning the high credit and date last active, indicate inaccuracies in the information being reported by each bureau. 

Violations and Impact The inconsistencies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such inaccuracies can negatively impact my credit score and financial standing, potentially leading to denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : DIVERSIFIED ADJ SVC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to notices sent to / from me from the Dept of Edu/ XXXX and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec. 809 { b } that their claim has been disputed and validation was requested. I have asked the Dept of Edu/ XXXX  to please provide me with the following : What the money they say I owe is for Explain and show me how they calculated what they said I owe Provide me with copies of any papers that show I agreed to pay what they say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you they are licensed to collect in my state Provide me with their license numbers and Registered Agent or Agent of Service At this time, I also informed Navient that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX  XXXX Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Navient provided the following documentation A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them. 

Since reaching out to XXXX, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. 

The information provided by Dept of Edu / XXXX includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. The company Dept of Edu/ XXXX has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax , XXXX  and XXXX } should be sent to me immediately. I have also disputed this information with the 3 credit  bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
Product: Mortgage

My situation started XX/XX/XXXX when I finally separated and moved out of the house, during this time I provided a total of XXXX mortgage payments, some of which where directly debited from my business account. Because of issues with my ex wife signing check out of the account without authorization, I came to an agreement of providing her with monies for the mortgage and needs for my kids. Mortgage payments never made it to XXXX and instead I found out later by my daughters that the house was going on foreclosure by the somewhere around XXXX XXXX. I contacted XXXX immediately and told them of my situation and ask for help. I was then contact by an organization Located in XXXX XXXX MN that stated needed my signatures for a modification being sought by my ex wife. I attended the place and signed paper work, but I never heard from them again. It was then XX/XX/XXXX, when I contacted XXXX again to find out, whether a modification had been done or what the status of the property was?. I found out that my ex wife was going trough bankruptcy, that the foreclosure process was not possible until some legal terms where met, I told XXXX many times I was not in bankruptcy, but again they say there was nothing to do but wait, however, they say to apply for a modification, which I did the XXXX. I did apply 3 times XX/XX/XXXX as paper work was either incomplete and or wrongly filled out, same happen in XX/XX/XXXX 4 times and XX/XX/XXXX 3 times XX/XX/XXXX 1 time. now XX/XX/XXXX is about to end the house is being sold on XXXX XXXX XXXX by the sheriff as I understand and many tries after trying my best to modify this loan I will loose a house I always intended to keep. I explained XXXX, Resurgent Mortgage and Shell point mortgage, to please give me a viable path to catch up, to put the existing debt on back of the loan, anything other then t=come up with a huge amount of money to bring the loan current. The most frustrating information on this case of mine is that I was never denied until the year XX/XX/XXXX, because I simply make to much money. I have a hard time understanding this process, being able to make payments disqualify me? being able to provide and be responsible takes me out of the favorable result of a modification. I have counted at least 17 time that I have tried for a modification, one single time of those I was denied for the reason already mentioned, this have to be a unique case? a single out case? or I do n't know what to call it. Please I bag like I did form the beginning, give an opportunity to keep my house and to work together with the bank to find a favorable solution to this modification, for me to be able to provide a roof for all my love ones that depend of me.
Product: Debt collection

I originally signed up with a company called XXXX where I financed some dental retainers. I went on an installment program over 18-24 months or so. The debt was then sold to West Lake Portfolio Management. The payments of {$99.00} a month have always been on auto-pay and when the debt was sold I was assured the auto pay would remain intact and I did not have to do anything. 

Last month they called and said I had a past due balance of {$99.00}. I told them its on auto pay and should have just charged me automatically. They said since its the final payment they could not autopay it. I told them to just charge the account theyve been charging and to please stop calling me during work hours. Then today I check my credit report and they marked me as over 30 days past due on the {$99.00}, negatively impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Said had to have account number to help me I have no account. they put a hard inquriy on my credit report which I never applied for anything with them
Product: Credit card

I applied for a Capital One Credit Card and was denied. They stated it was for prior activities which is false information. I've never had a capital one card and have stated that to the credit bureaus several time. The credit reporting agencies have deleted and blocked the fraud accounts from my credit reports but capital one keeps denying my request which is against the truth and lending act 1968 15 U.S.C. CH. 41 1601 According to 15 U.S.C. 1602 Banks do not extend credit to me, they are middlemen who help me access my credit account. I shouldn't be getting denial letters as I have never had an account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have using, XXXX XXXX XXXX XXXX XXXX dba Ria Financial Services, Ria Money Transfer. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Tel : XXXX ( XXXX ) XXXX Fax : XXXX ( XXXX ) XXXX ) for many years. However this time I tried to send money to XXXX three times again and the transactions where stopped completely. I called Ria Money several times and the answer was that I have to wait. In the past the money was transferred within hours.

I used money transferred to a bank account and to pick up the money in a financial institution. None of them worked. I have to cancel three transactions, each transaction is close to {$1.00} dollars for a more that {$4.00} I have to wait more than 10 business days to get my money back. That company is working with my money, and I do not have money for my holidays. I called Ria Money again today four times and three of them Ria Money customer service department hung up on me. 
I do not think this is right and they need to be investigated.
Product: Money transfer, virtual currency, or money service

I recently opened a Venmo account, a friend loaned me money which was sent to me thru Venmo. Upon opening my Venmo account I was approved for the debit card after verifying my identity with my birthdate and social. I used some of the money that was in my balance to buy a few things and then Venmo locks my account and denies me access to the funds that are left ( {$170.00} ) they then email me saying that I have to send a picture of my ID, I do this and still being told I have to wait days and days to get my money out of my account? This is absurd. I can not wait days to get the balance of my Venmo out, I did nothing wrong as they said for unusual activity to be suspended and my money be withheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX XXXX XXXX XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and hospitalized with XXXX  XXXX XXXX XXXX including XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/2022 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the utilization on all my revolving accounts. Under 15 U.S. Code 1681a 2 ii excluded from a consumer report are any transactions between the consumer and company ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; Please send an updated report when this issue is resolved Sincerely XXXX XXXX Please remove unauthorized inquires below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX I was Made aware of a Credit Inquiry on my report that I did NOT request or Authorize. I was informed by Trans union that the company making the Inquiry was " XXXX XXXX '' XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX. 
Please find out who and why this report was ordered and assist me in the appropriate avenue to pursue Sanctions. 
Thank you
Product: Mortgage

First week of XXXX I applied for a HELOC where I was informed that this process would take 45 days, Well fast forward were in XXXX now and within the first few weeks I sent in all requested documentations and my calls and emails were being ignored. I have the credit and income and in good faith believe that this is discrimination or this was intentionally delayed in efforts to force me into a higher interest rate The individual over seeing my application is XXXX XXXX | XXXX XXXX
Product: Mortgage

On or around XX/XX/2021 I applied for a mortgage loan in the approximate amount of {$70000.00} and was denied by AMERISAVE MORTGAGE CORPORATION. This company claims that they were applying their decisions based by the FCRA rules but completely failed to satisfy the requirements of the XXXX of having a determining factor of my denial of the loan. they also shared my private information with third party companies without permissible purpose. They denied me an extension of my own credit under the FTC which is all together credit discrimination.
Product: Payday loan, title loan, or personal loan

I applied for this loan online and was contacted by a local office. My credit score was good, somewhere XXXX. These days I decided to go over the loan paperwork and was frustrated how they charge me and how little goes to the principal every month. I am on paperless bills, so I never actually went through details. The most misleading is how they introduce their product online, and what you are sold at the end. I am expecting from them the pay off balance now. I was very frustrated when went to check again how much I should repay. This kind of personal loan should do not exist. If they are allowed, they should be sold to people with credit below 500. It is a shame to call this service a financing service.