23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Issue : CMG Financials is intentionally delaying assumption of a 2.75 % VA home loan. Their delay tactics are in the 3rd month, impacting three military veterans : the one who wants to purchase and the military veteran homeowners ' ability to sell our home, one of whom is a XXXX XXXX XXXXXXXX veteran. There is no reason CMG should not be able to move faster with the loan assumption process - this is standard practice for financial institutions holding VA home loans. At this point, we can not proceed with the prospective buyer to even complete his part of the paperwork because CMG Financial first needs to render the ( very simple ) decision that our VA loan is assumable. While we understand it may not be in their financial interest to have someone assume a 2.75 % home loan given today 's mortgage rates, it is the veterans ' right to be able to do so - CMG 's delay tactics may be imperiling the financial situation of other veterans as well, which is why we are seeking help now to move this along. Below is a general timeline of our highly bureaucratic interactions with CMG Financial to date : XX/XX/2023 - submitted required documentation ( " Preliminary Request for Assumption/Release of Liability '' form ) to CMG Financial 's `` Assumptions Department '' at XXXX ) and via certified mail to XXXX XXXX XXXXXXXX XXXX, NJ XXXX. The reason for my request is that we have a buyer for our property. As a military veteran, he wants to assume our 2.75 % VA loan. 

XX/XX/2023- I heard nothing back from CMG Financial, so I called in XXXX to follow up. I requested to speak to one of their mortgage managers and was able to do so. The mortgage manager advised that she would contact the Assumptions Department for status and stated that I am not allowed to do so, even as the homeowner with the mortgage needing quick resolution to sell my home. 

XX/XX/2023. I received no status update until I called the CMG mortgage manager back on XXXX XXXX for status. Surprisingly she called me back the same day. However, she then stated that I must re-send via email the same documents I originally sent ( via email and certified copy ) in XX/XX/2023. She also stated CMG Financial will not respond to my email and that I can not call them. The waiting game continues...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 calls to believe the information is inaccurate.

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions Account name : Caine and Wiener Account number XXXX XXXX
Product: Money transfers

Exorbitant service charges without warning I have recently been making a quite a few online purchases using my peoples debit card via the online service paypal. I use my debit card online because it should be the same as cash with out fees. I had n't noticed these " network service charges '' until my most recent statement where the charges reached {$81.00} dollars. Furthermore the total charges for the past 12 month are {$200.00} in total of said " Network Service Fee 's. '' On Monday XXXX XXXX, 2016 I contacted XXXX, peoples, and had a conference call with XXXX institutions. I First contacted XXXX to question the fees on on bank statement, I spoke with a supervisor and he assured me that they do n't know why peoples would be charging a " per use '' fee. Second, I contacted Peoples, explained my frustrations on being charged over {$80.00} dollars in fees in one month alone, they assured me that " XXXX was aware of the methods of payment charges according to the 'nice ' system. '' From what i gathered from the conversation with peoples bank is that i am being charged as if i were using a " non-network atm ... '' I Have never been charged a fee to use my debit card online. ever. Furthermore, I do n't understand, nor could peoples bank explain, how making a purchase online is in the same category as making an atm withdrawal. When i make an atm withdraw, which is infrequent in my case, i am immediately notified on the screen of the impending charges BEFORE i make a withdrawal and only then am i asked to proceed. These charges on my statement have had no such warning. I asked peoples for an explanation of these charges and a refund. They denied my request. Explaining that " it 's in their universal contract '' that they will not refund and its not a problem with them, but the issue lies with paypal and " how they initiate the charge. '' To the average consumer, such as myself ' I would have no way of knowing that these charges would be instilled prior to to getting the statement! I feel defrauded out of {$200.00}, due the the fact these charges were instilled with out my knowledge. If I were to have known prior to these purchases that an additional {$3.00} " Network Service Charge '' per use of XXXX were to be placed i would have certainty have not done so.
Product: Credit reporting or other personal consumer reports

My credit report began to show hard inquiries on XX/XX/XXXX. Each of the three credit agencies showed these hard inquiries. I have not applied for anything that would cause a hard inquiry on my credit report. 

My XXXX report shows a hard inquiry on XX/XX/XXXX by XXXX XXXX. 

My Equifax report shows two hard inquiries : on XX/XX/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 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 which I also did not initiate. 

It appears that someone is trying to steal my identity. 

I have frozen all three of my credit reports with all three bureaus.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 reporting or other personal consumer reports

Hello CFPB, I would like to file a formal compliant. This company has not sent me a bill to my address or email. Nor called me to tell me the bill was late. I do auto pay with this company and was never notified that any payments were not made. This company reported the bill as late and the bill was paid out of my checking account and later reversed due to a return check. This company never made me aware of this billing issue because they have all my information wrong. Wrong billing address wrong email and contact time. It was not until I got ready to purchase a car my credit dropped that I noticed the payment was not taken for the month of XXXX. I called this company and spoke to the servicing department and they agreed that it was a billing error and they will update it with the credit reporting agencies after I file a dispute. 

However to my surprise they updated and verified that the account was past due. per section 1026.10 Payments. 

" ( 1 ) General rule. A creditor may specify reasonable requirements for payments that enable most consumers to make conforming payments. '' I feel like I was not reasonable notified of any payment errors. I would like them to 1. update all my information correctly and remove the past due status on my report because they are in volition of section 1026.10 of the regulation.
Product: Debt collection

I reported ilegal credt reports by XXXX XXXX XXXX, XXXX to bureaues and still on my Transunion report, all other bureaues delated from my reports due to incorrect info and I do not have any contract with this collection and they have not provide me with the original signed contract what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contaced XXXX and Transunion regarding my hard and soft inquiries, and they refused to do anything. Transunion stated again, they do not follow US federal law and only their company policy! Which have violated my privacy! 


The list of accounts below has violated my federally protected consumer rights to privacy by obtaining a hard inquiry and soft inquiries : Transunion-Has violated my rights to privacy XXXXHas violated my rights to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with XXXX EXQUIFAX AND XXXX with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least XXXX  points on each report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax knowingly transferred adverse action inquiries to my Comsumer report without my consent. see XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX  XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX I XX/XX/2022 XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Product: Debt collection

XX/XX/XXXX- date of services rendered to XXXX XXXX XXXX emergency room- was coherced to sign pages while incognizant without representative. 

XX/XX/XXXX- representative from XXXX XXXX XXXX confirmed all owed amounts were settled due to situation. 

XX/XX/XXXX- initial movement to collections with different company.

XX/XX/XXXX- debt was sent to bureau of medical economics . Lead to incorrect reporting Attempts to rectify information and settle amount have been denied several times.
Product: Credit reporting or other personal consumer reports

I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letters Experian credit reporting The Credit bureaus stated Account Name : XXXX XXXX XXXXXXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Debt collection

CONTRACT CALLERS INC. HAS BEEN OPERATING IN ILLINOIS WITHOUT A VALID BUSINESS LICENSE SINCE XX/XX/XXXX. THEIR LICENSE EXPIRED ON XX/XX/XXXX. THERE ALSO APPEARS TO BE A GAP BETWEEN XX/XX/XXXX AND XX/XX/XXXX AND THEY HAVE BEEN ACTIVELY COLLECTING DEBTS WITHOUT A LICENSE. 

RE : Illinois Department of Financial and Professional Regulation
Product: Credit card

3 months back a XXXX rep knocked on my door talk to me about cameras around my home for {$42.00} a month I said ok!!! 
I was not home when they installed, it looks sloppy and unprofessional, I called and told XXXX that so many things are wrong, I want to cancel because also another company is calling and threatening me for $ money, I Stated the rep Stated only {$42.00} a month, so cancel, I can't afford {$200.00} or {$300.00} a month for cameras with monitor service and purchase equipment at the same time that's XXXX 
Yet they don't care!!!! 
I want this sloppy and unprofessional out of my home without my knowledge, and they lied to me and misled me to make a sale!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included this information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated immediately! I have sent multiple letters, spoken to multiple representatives, sent documents requested such as the police report where is clearly shows my IDENTIFICATION WAS STOLEN! 

1. The account is current and has never been late. 
XXXX Account Number : XXXX Never late please update 2. The account is current and has never been late. 
XXXX Account Number : XXXX Never late please update 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my ACTUAL signature. 

Failing that, the item must be deleted from the report immediately. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

At this point I am prepared to take legal action against Experian! I will not allow you all to report another month of inaccurate information on my credit report! This is the FINAL warning!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Reporting agency has violated my consumer rights by improperly reporting to my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only one ( XXXX ) but this information has been left on the back end reporting for a company called ( XXXX XXXX XXXX ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.
Product: Debt collection

My estranged father XXXX XXXX received three calls from XXXX XXXX of XXXX XXXX XXXX XXXX over a period of days asking that I XXXX XXXX give her a call at ( XXXX ) XXXX XXXX regarding PayPal Credit. I am XXXX and can't pay back the money. 
It is my understanding that under federal law debt collection agencies are only allowed to contact family members once. They have far exceeded this number. I understand I owe the money, but I don't have it. I can't give what I do not have. 
I spent six months in XXXX XXXX, NV. looking for work after getting out of the XXXX. I had to live in hotels and on my unemployment and credit/credit cards. I was unable to find a job and had to move to XXXX to live on the {$1500.00} a month I get from the VA for my XXXX.
Product: Money transfer, virtual currency, or money service

I have attempted to regain access to my Coinbase account since XX/XX/XXXX XXXX. I have sent photo id drivers license, and opened account to find no money!! And a message that my portfolio could not be acessed. The phone number the give gives no access to live representive. Since XXXX i have spent hours to try to acess my account tickets prove to be a series off complicated lost of things to do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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