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

I am writing to formally dispute the furnishing and/or obtain of my credit information, as I have never provided written consent to such actions, which are required under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). 
Upon reviewing my credit report, I have noticed that certain entities may have accessed or furnished my personal credit information without my authorization or permission. Specifically, I have never signed any document granting such consent to any credit reporting agency or any of the companies listed. 
XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681b, a consumer reporting agency is only permitted to furnish my credit report under certain conditions, which include my written permission for certain situations. As such, I r

equest that you : 1. Provide documentation demonstrating that I provided written consent for the access or furnishing of my credit report. 2. Remove any inquiries or accounts that were
made or opened without my express written permission. 
3. Conduct a full investigation into the matter and send me a written statement of the outcome, as well as any corrections made to my credit report. 

Please consider this a formal dispute under the Fair Credit Reporting Act. I expect you to complete your investigation and respond within the 30-day period required by law. Failure to comply with these legal requirements may result in further actions to protect my rights. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

I have a interest only loan. Every month I try to pay what I can to reduce the principal balance. Bayview was applying the extra payment to the principal until XXXX 2015. Although I 've told them verbally and in written many times to always apply the extra money to the principal, from XXXX they chose to apply it to future payments. Any intent to correct that takes at least XXXX to XXXX calls over a month to their customer service department because the agents have no clue how to verify if the correction was made or not. They do n't even know how to read their system and most of the time is wasted in them trying to understand if there was a misapplication reversal or not. Each call takes between XXXX minutes to over an hour. When you ask to talk to a supervisor, they transfer you to a " never stop ringing extension ''. There is no one to complaint about. They just say sorry and apologize but do not provide a resolution and as a client you feel completely mistreated. I wonder how these people can handle something as important as loan payments and they are not even trained to do that. I am attaching an email that I sent them in XXXX XXXX and they replied on XXXX XXXX. The same day that they made the misapplication again for the following month. In the statement they request the payments to a XXXX XXXX XXXX in a letter they sent me they suggest to send the payment to their address in Florida in order to " ensure proper application ''. This is contradicting. Why do n't they have the Florida address in the statements? Why would they not " properly apply the payment '' when I send the payment to their XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data was exposed with the Equifax databreach. My complaint is Equifax is not / has not agreed to pay the fee for a credit freeze with the other two reporting agencies - XXXX, and XXXX. 

The data stolen with the Equifax databreach can/could be used to obtain credit, under my name and ( stolen ) information, via any institution that uses one or only of the other two reporting agencies - XXXX and XXXX XXXX. My bank, XXXX for example, uses only XXXX to check credit when one applies for a new credit - NOT XXXX. Thus, with the Equifax databreach, my peresonal data could be used to obtain credit at XXXX XXXX. 

XXXX and XXXX charge a fee to place a credit freeze on my account/info. This fee is waived, presently, for Equifax - due to the databreach, BUT EQUIFAX IS RESPONSIBLE FOR MY PERSONAL DATA BEING LOST, AND SHOULD BE RESPONSIBLE ( FEE PAYMENT ) FOR MAKING SURE A CREDIT FREEZE IN PLACED WITH ALL THREE AGENCIES - XXXX, XXXX, and Equifax .... NOT JUST EQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX XXXX & XXXX was sent via certified mail equifax online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

We have a previous complaint on file about the servicing errors and about Nationstar Mortgage dba Mr Cooper, refusing payments, retuning automatic payments as refused, then charging us late fees and starting foreclosure process, as a predatory lending practice. When brought to their attention to get them to fix it. We were told to fix it we had to apply for modification, most of there errors were caused by botched modification from late 2018. So we paid hope mortgage fees, HUD second mortgage fees twice, and lastly on a botched modification, and was ultimately made to sell our home, that was valued at XXXX, for $ XXXX- as you lender said we couldnt get the modification because we already had one. Also we couldnt open our account to make payments even though we hadnt missed any payment, until they stated refusing payment. We have sold the home to protect our investment, however with them threatening to still proceed with foreclosure, we had no choice but to sell fast,
Product: Checking or savings account

On Thursday, XX/XX/year>, I transferred XXXX from my checking account int my savings account, I went to the ATM to withdraw the money on the same day, there was only XXXX dollars in my savings account, I called customer service whom transferred me to the XXXX XXXX, where the customer Service Representative told me that I was behind since XXXX, and she would not reverse the XXXX that was taken out of my account. 

I was willing to set up a payment plan with her on my account, the XXXX was taken out of my account without authorization, and did not show a reason fo the deduction until later, I was told it was pending in the back ground until payment post.
Product: Mortgage

Green Tree ( for Georgia ) I paid my {$1300.00} mortgage payment on XX/XX/XXXX, due XX/XX/XXXX, the same amount I always pay. However, escrow caused the amount to change. Therefore, I owe {$34.00} in addition to what I paid on XX/XX/XXXX. XXXX, XXXX called me today, XX/XX/XXXX, at XXXX XXXX., threatened me, said if I did n't pay {$34.00} by the close of business today I would be charged {$54.00} late fee. And it would go on my credit. Why did n't he call sooner? Because he will take my money over the phone for a {$12.00} transaction fee. **So I must immediately pay {$34.00} plus {$12.00} payment fee, or be charged {$54.00} late fee. ** I did n't pay it. He harassed me about next month 's payment, when would I pay that, and it 's not due until XX/XX/XXXX. I make payments usually before the due date each month. 
Only one number for Green Tree : XXXX -- XXXX, XXXX is rude and wo n't help me, said I would be charged the late fee if the full amount of my mortgage payment was not received today, XX/XX/XXXX. I tried to get a payoff amount, and ca n't get that. I contacted the only other number I could find ( refinancing ) and they would n't even help me with a payoff amount! They hide like mice behind one phone number with very few options. Also my social security number is never recognized by this loan.
Product: Mortgage

XX/XX/XXXX started forbearance. Every 3-6 months Caliber Homes offered more months as I was paying escrow at the same time. This I believe lasted 18 months. ( Can not see on my loan because they have locked me out ) XX/XX/XXXX, I submitted online a loss mitigation application ( with email saying it was sent ) and never heard back from them, so I assumed everything was fine with the application. XX/XX/XXXX, received letter stating default amount. ( assuming this was the forbearance they promised to defer to the end of the loan ) Not once have any of us on the loan received a past due notice for anything. XX/XX/XXXX both my husband and I received phone calls and texts from the same person out of XXXX wanting to purchased our home because she saw it was in foreclosure. That is when I reached out to Caliber Homes once again on XX/XX/XXXX to see what was going on, they stated I was past due {$50000.00} and could be reinstated with additional fees. XX/XX/XXXX started a new loss mitigation application and still submitting paperwork back in forth because they will not assist me on filling the paperwork properly the first time. I also have recorded phone calls which prove that they will not assist or work with me. At the beginning of this new application they never ask for a recorded quit claim deed from my dad, but now on XX/XX/XXXX they are requesting it. Me nor my husband have been served any papers yet, which we have always occupied the home from the beginning. They served my dad on XX/XX/XXXX located in a different county right before he was on his way to take my mom for XXXX treatment. They also served my mom as well under unknown spouse. My dad does not want to do the quit claim deed because he can not claim the property if something happens to either myself or my husband. This hurting our credit and well as our business which is our livelihood to afford our home. 
All attachment that I include are processed or in process because of necessary corrections in which they will not assist me with. Not one time have we been instructed for any counseling. XX/XX/XXXX they also refused escrow payment or any payment under the {$50000.00}. We can provide all documents and audio recordings. Too many to upload, but below will give you an idea.
Product: Debt collection

My wife and I applied for solar panels and got approved. XXXX was the seller in the transaction, XXXX then applied for a solar permit through XXXX XXXX. The permit was soon denied XX/XX/XXXX due to an expired pool permit ( XXXX ) from XXXX. The solar company XXXX XXXX XXXX was aware of these findings, and the company decided to figure out how we can get the pool finalized first. After some months of trying to figure out how to go about the permit, XXXX XXXX decided to pay for a pool permit to see what the pool would need to get finalized so we could get solar panels installed. After more months passed XXXX XXXX tried to get us to sign with a different solar panel company called XXXX XXXX, the loan was going to be almost double the amount than what we agreed to with XXXX XXXX I declined and asked for us to go back to XXXX XXXX and XXXX filed for an extension with Goodleap with false incomes due to covid my wife was on part time. XXXX canceled XXXX XXXX and had our solar panels installed 2 weeks later, giving us the impression after almost 2 years, that the pool permit was resolved. XXXX from XXXX XXXX  had also sent a text message to me stating, '' we finally got those pool permits cleared with the help of our consultant XXXX. '' XXXX had our loggins for XXXX XXXX to help us get the pool finalized and when asked what was next in getting our solar turned on he stated, we were waiting on the inspector and XXXX. When the inspector showed up he pointed out the solar panels that were installed and said those are not supposed to be up there without a permit. I immediately called XXXX XXXX  and they were apparently " unaware '' of the pool finalization. After countless emails and text messages from different sales representatives, XXXX XXXX informed the company XXXX XXXX XXXX that permits were denied years before installation and months before installation.I called goodleap informing them of the unpermitted work that was installed on the house and let them know what the company did was illegal and they were going to be giving disbursements towards the loan. XXXX from XXXX XXXX sent off a couple payments after asking them to uninstall the unpermitted work because Goodleap was going to send my account into collections. I couldn't use my solar panels and was being charged for XXXX and goodleap. The company XXXX XXXX policy states they would send reimbursements for the goodleap payments. XXXX from XXXX XXXX told me the company is not responsible for the pool permits and will not send me any more payments until i can prove their miscommunication. After showing screenshots of the misconduct in the XXXX XXXX company with XXXX and proving the county had denied their permits, I filed with the contractors state licence board and they proved the unlicensed work and now is facing a company violation. Goodleap has sent our account into collections and is tearing apart great standings in my credit report due to the unlicensed and unpermitted work.
Product: Checking or savings account

They allowed someone to link my XXXX  card to an account thats clearly not mines because Im not able to even have a XXXX  per my social security number. So why do youll keep letting people take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX complaint already filed. I XXXX XXXX and my Wife had loan under my Wife 's name XXXX XXXX. I discovered that I and my Wife unable to loan because of our identity theft filed at Personal Finance Center, This company affects all our major credit report at the 3 credit Berue. XXXX XXXX XXXX. as Well as other financial Institution. I already filed complaint at the XXXX XXXX XXXX XXXX and I believe they settled this case outside court as Well as the credit Berue. so sent to Administrative of the XXXX XXXX XXXX XXXX XXXX, XXXX Washington DC XXXX you can send more detail to the Court or the FTC for identity theft. I also have problem With XXXX XXXX, he is a employee at CFPB for helping people changed my name to other person 's name With other Financial Institution such XXXX XXXX XXXX  In XXXX XXXX XXXX. I have discovered 2 of the person are employees at the XXXX Protection AG office her on XXXX. and I discovered XXXX XXXX transfer my money in to her name. and XXXX XXXX XXXX both used faked name here on CFPB.
Product: Debt collection

CRA violation no knowledge fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries reported under my name, which were fraudulently created as a result of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the accounts listed below be promptly removed from my credit file. 
Fraudulent Accounts to Block and Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiry to Remove : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent accounts opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Specifically, I request that ( Credit Bureau ) block and delete : Account Credit Acceptance -- - Balance : XXXX This account was opened or created as a result of identity theft or unauthorized use of my personal information. I believe this account is a direct consequence of the data breach and should be promptly addressed. 
To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) # XXXX. A copy of my government-issued identification, Proof of address, XXXX XXXX XXXX, XXXX and Any other required documents for verifying my identity and the fraudulent activity. 
Please take the necessary steps to block and delete this fraudulent account associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated accordingly
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a collections account with XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$6400.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit ( {$7000.00} ) and received a letter that I was rejected. I needed this for XXXX work. My XXXX nonetheless filed their claim for payment and they accepted it. 

Since I used this card, I made payments most oftentimes over the minimum amount. When they promotional period ended ( one year no interest ), I called them to get an understanding about it and was told that, " I'd be okay if I continued to make payments and would not have to pay additional interest. '' This was not the case as I was charged nearly {$2000.00} in interest charges. I'd paid it down to nearly {$4000.00} and I'm nearly back to where I started ( and should have been denied by them in the first place ).
Product: Mortgage

I applied to Wells Fargo for a XXXX home mortgage. After submitting all documentation, they preapproved me to proceed. While in attorney review, they were delaying my mortgage commitment for no apparent reason, however offered numerous written assurances that our commitment would be forthcoming. 

After my contractual commitment to have a mortgage expired with the seller, WF informed me that they could only finance my loan as a conventional mortgage. They further assured me that they could meet my fund request of XXXX % loan to value but the interest rate would be .5 % higher. 3 weeks later, they told me that they could only fund XXXX % of the purchase. I had to proceed or risk losing a substantial amount of escrow. 

WF tactics of aggressive salesmanship caused me to incur substantial risk and damages since I had to proceed to closing by using funds from my IRA, with penalties, as well as forcing me to refinance immediately, and incurring substantial closing costs. 

Although WF agreed that their processor misstated her ability to receive a commitment and created a false level of expectation, they did not agree with my claim for damages since I could have declined the loan offer. They refunded my application fee of {$950.00}. 

My complaint is that my loan processor withheld full disclosure in order to keep me from cancelling the loan. They knew I had another lender however by the time they informed me of their final underwriting decision, it was too late to change lenders. 

The XXXX recently reported that WF has been fined for illicit sales practices and I believe my case is similar.
Product: Checking or savings account

I opened my email this morning XXXX an seen there was a account opened from Frost Bank which I don't open.
Product: Credit reporting or other personal consumer reports

I strongly desire not to have this on my credit report. It is not belong to me. It is fraud! 

Kindly remove this to my credit report. This is causing me a lot of stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act .the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX conn appliance XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX a hard inquiry was pulled on my credit report. I did not give permission.