23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 

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. 

Of the following : 15 U.S.C 1681 section 602 ( 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.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : 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 1681c. ( a ) ( 5 ) Section States : 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, credit repair services, or other personal consumer reports

Contacted XXXX 30 days ago. Requesting the removal of unauthorized inquires not attached to an open account.Requested they investigate this issue and in return send me the results of how they investigated. How they VERIFIED those inquiries on my current credit report as accurate. In which they did not do. I have no received anything requested SUCH AS my written signature on an application attached to those inquiries or an open account attached to those inquiries. Several attempts of contacting them and they only UPDATE the same information with a remark saying ( ACCOUNT IN PREVIOUS DISPUTE )
Product: Mortgage

During XXXX, my husband XXXX XXXX, who is also on the loan ), was laid off along with everyone at the location he was in, due to all of the disruptions during XXXX and the fluctuations in market trends. Rocket Mortgage worked with us by allowing us to take a forbearance on our loan. We stayed updated with them every 6-8 weeks seeing if he was still unemployed. We provided proof of his unemployment. He also kept track of his job seeking and interviews throughout the process which he had to present to the Texas unemployment office. 
Throughout the process, Rocket kept sending notifications that they would work with us, etc. After my husband obtained employment again, we let them know and the forbearance would be ending. They notified us that during the forbearance they were getting assistance through the Cares Act, since our forbearance was due to the covid pandemic. 
As we were trying to get back on track, we were told that we would owe {$49000.00} immediately. We asked them to work with us. One of the employees referred us to the XXXX  Homeowner Assistance ( HAF ) program. We were told that if we were behind that assistance could be offered to help with our mortgage balance through their program along with the cares act if it had been due to the Covid-19 pandemic. We filled everything out through the XXXX Homeowner Assistance website, submitted our claim. Still being pushed and prodded by Rocket. They told us if we started making payment at the rate we had when we went into forbearance, it would not affect us getting approval from the Homeowner Assistance Program. Once we received word from the XXXX  Homeowner Assistance Program, they apologized and stated that they could not approve us for assistance. Stating when they called Rocket Mortgage, they were told we were not behind in our payments. Yet we still owed them over {$49000.00} and Rocket was adamant that we pay in full or refinance with interest. Which we reluctantly did. They refused to help us out when we asked that they let the program know that we were in fact behind. We also have paperwork from Rocket stating that we were behind on the Mortgage and the amount owed at the time this happened. 
If you need verification of our application in assistance, the website is XXXX  I'm happy to send screenshots or links to the account if you need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX 2017, XXXX has not fixed the error that 's on my credit report. I have contacted XXXX and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted XXXX on several occasions to remove this account from my credit file. I disputed this account with XXXX and XXXX has not done anything about it. I even asked XXXX if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. XXXX does not respond or they take well over 30 days to respond if they feel like it. Please have XXXX  remove this account from my credit file immediately. I even tried calling XXXX to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.
Product: Vehicle loan or lease

At the beginning of 2018, my wife lost her job which caused extreme financial hardship on my family. Our overall household income was cut by 50 %. I contacted Bank of America in late XXXX/XXXX of  2018 to ask for an extension. I was told at that time they did not have an " extension offer '' that month and to call back next month. I called back 30 days later and was told the same thing, no special this month. The representative at that time told me to call back again next month or when I fall behind on my payment, maybe then we can help you. 
Couple of months went by and we continue to struggle. Finally, I got a hold of a manager that finally  approved the 2 months extension and also informed me that they could have helped earlier. So the extension was granted for XXXX and XXXX of 2018, yet, Bank of America reported delinquent payments for XXXX and XXXX and until now, still refuses to remove the negative remarks and all the fees. They continue to deny my numerous requests and claim that it was after the fact. 
We made the same request to other banks regarding our situation, Bank of America is the only one that did this, everyone else was willing to help. It feel like the representative/department enjoys making their clients lives difficult by damaging their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report pulled without my permission of not knowing how severely these actions would affect my credit report. 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written permission. 

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 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: Debt collection

15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE XXXX and XXXX is reporting an open account with LVNN Funding since XX/XX/year>. I am not aware of this company and due to this reporting false information on my credit as prevent me from getting XXXX XXXX  I am requesting that XXXX and XXXX delete this information off my credit reports.
Product: Checking or savings account

Bank of America put fraud warning on me through early Warning Services. My bank account from a different was closed due to this. Its causing finical hardship. Ive tried to fix this with Bank of America it they refuse to do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going over my credit files and trying to look into how there are unknown addresses on my file. I am having issues on my job as far as my insurance due to the addresses and zip codes that do not belong to me. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, NV XXXX there are cellphone numbers that do not belong to me either please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

The company allowed me to deposit money into an account after verification using my driver 's license. Once my money cleared, they removed my verification status and would not let me withdrawal any funds I had deposited into the account. I tried several times times to upload a picture of my license to meet the verification criteria, but realized that they would not accept any picture of my driver 's license now that they have my money. They refuse to give me access to my funds, will not close my account, and refuse to refund the money I deposited into the account in their platform.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$150.00} XXXX XXXX Bankruptcy {$0.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to complaint about the fraudulent items which are still appear on my credit report. I think someone stolen my identity and opened my accounts without my permission or authority. This is an unauthorized items. Please remove the fraudulent items right after I send this complain and I hope you have time to review this issue. Based on Fair Credit Reporting Act Section 605B, It was the responsibility of the 3 credit bureaus to check then remove those items which are negative on the owners account. So I am mentioning these following items for you to help me remove these right away : 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 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

I am not liable for this debt XXXX. I do not have a contract with Jefferson Capital Systems. They have not provided the original contract nor debt validation as requested.
Product: Debt collection

This company is still reporting that I owe them debt to XXXX and I have requested them to Validate the debt numerous times via certified mail 6 months straight starting XXXX, 2022... They are still on my credit report even after mailing me a letter that they will stop contacting me about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Concerning Accounts XXXX and Account XXXX, XXXX XXXX has violated my rights 15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Mortgage

It has been since XX/XX/2021 that every time I make an additional payment toward my principal, Mr. Cooper ( formally Nationstar ) mortgage company applies part of that amount to my monthly payment without my permission, even though my monthly payment has already been taken care of and paid. They have not applied those amounts correctly for the past year and an half, and every month after I make that additional payment toward the principal, I have to reach out via email/chat or phone to have those amounts rectified and applied correctly on my account. Last year I filed XXXX complaint XXXX and for few months the problem sized. Now, the last 4 months they have started to do it again and apply the amount incorrectly. They say there is a setting ( hierarchy ) on my account that makes the system apply some of the payment toward the principal. I'm back to square one and every month, I have to reach out to them to make the payment adjustments. They always tell me they will update the setting on my account but it never happens : the following month, the payment is applied wrongly and I have to call again to make sure is applied correctly. Please reach out to them and have them stop this behavior, they are using my money in a way I have not agreed and I feel they are taking advantage on my money and abusing me. It is emotionally draining. Please make them STOP!!! Thanks
Product: Credit card or prepaid card

After I applied for a XXXX Citibank card in late XXXX I received a letter ( attached ) requesting to provide a copy of the US Passport, US Voter Registration Card or US  Green Card. I don't have any of them as I am in the US on working visa ( was a student before ). The bank representative said that they can not continue with my application. 

In my opinion this is a discrimination based on XXXX XXXX as it was the sole reason they can not give me the card. The bank representative assured me that they don't discriminate and any person can obtain the credit card if they provide copies of requested documents ( yes, that makes total sense to them, go figure ). Well, how about the people who are here on XXXX, XXXX and other visas?

As far as I read about the rules regarding credit card application process, a creditor may take into account applicant 's XXXX XXXX but can not make a decision based solely on that. 

I have successfully obtained multiple credit cards in the past ( XXXX, XXXX, XXXX ), the last one as recently as XXXX of this year. I have good credit history and excellent credit score. I never had to provide any proves of my XXXX, let alone being denied based on that. 

Please, help me to reach the bank for comments. I am upset that such discrimination is allowed in today 's world. 

Thank you!
Product: Mortgage

On XX/XX/2018, I went to a branch of Santander Bank in XXXX XXXX, Pa. and paid my mortgage note as I usually do. To my surprise, on or about XX/XX/2018, I received a collections letter saying that the payment had not been made. I took a copy of the cashed checks and presented them to a representative at Santanter Bank, however, they told me that they could not help me because their mortgage department has been sourced out to another company. But for your information, the representatives from the outsourced company answers the phone as Santander Bank. 

I called Santander several times about my missing payment and finally during one of my calls, their representatives requested that I send an email of the collections letter and copies of the cashed checks. Meanwhile, a representative of the branch of Santander Bank in XXXX XXXX, who tried her best to help me, also sent copies of the payment I made to the XXXX XXXX branch. As a result of the emails sent, I received two separate letters from Santander several weeks ago acknowledging the receipt of the email and the letters stated the problem was being investigated. Since that time I have received another past due letter and two collection calls from Santander. Will you please advise me on what can be done to solve this problem.
Product: Credit card or prepaid card

This is in regards to my secured credit card I never got refund it was XXXX XXXX and I had several calls and messages they send me a letter that they made a check and was not cashed after that they said that some person name XXXX cashed the check with a bank or check cashing place they said they where going to investigate and call me never resolved and never heard back from them XXXX time trying and they send a proof of a checked cashed for XXXX with someones else name to this day never fix the ploblem I have letters and proof in regards to this matter I would like to know how to go about this matter issued unsolved since XX/XX/XXXX XXXX also got charged with a lot of fees in the pandemic when I called and told the I had XXXX and couldn't work
Product: Mortgage

I have been trying to obtain a loan modification, the lender has just put me on Repayment plans that I can not afford. I have currently applied for a modification and until XXXX day they are telling me that they got the documents.
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 : OAG CHILD SU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Payday loan, title loan, or personal loan

I took out a loan with LoanMe in 2018 for XXXX or XXXX XXXX dollars - i can't remember now, was paying XXXX a month to them and started struggling to make the payment and did default on making the payments after 2 years. I did initially contacted them and they lowered it for a few months, but when it went back to to the XXXX i stopped making the payments. I guess they reached out via email/mail but i do not recall getting anything. My complaint is that they are now calling family members and have probably called my work place too ( i haven't heard anything from them yet ) I don't even know how they got family members phone numbers and they are going to put a lien on my house they said. I will be trying to get the money together for the amount they said they would settle for XXXX dollars. I just don't want them calling anyone else.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent inquairy in my credit report ( XXXX  XXXX XX/XX/year> ) please remove that frauddulent inquiry in my credit reporti