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

I have been trying since XX/XX/XXXX to purchase a home and have had my credit pulled several times but the Equifax does not provide my report to the Morgage brokers ( 2 different companies. I have tried over 53 times to correct the issue to no avail. Lenders receive error message of some type of fraudulent inquiry and they have not been able to pull my credit from Equifax this is holding me up. I have called on : XXXX - XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX,XXXX/XXXX, XXXX/XXXX,XXXX/XXXX, XXXX/XXXX, XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX, XXXX/XXXX,XXXX/XXXX XXXX - XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX, XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,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

Loan Depot had a cyber attack issue causing their system to shutdown and 2 hour waits on the phone. Due to this customers were not able to make their XXXX payments online. I tried for several days to make the payment with no luck and eventually assumed payment would be due together with XXXX payment. Apparently their system opened back up on XX/XX/XXXX and they said they notified everyone by email. Theres no proof of such notification and I never received it. On XX/XX/XXXX Loan Depot reported my payment late and notified the credit beaureus. Although Ive never been late on a payment and this was caused by their cyber issue.
Product: Credit card or prepaid card

The below withdrawals ( {$1000.00} and {$600.00} ) were not made by me. I have spent over four hours and spoken to six people on the phone with no results other than being issued a new card. I finally got to one very rude employee in the fraud division after waiting over an hour. She put me on hold several times and finally the call just disconnected. I have also sent a postage paid letter to the address in XXXX, TN. I have had no response. 

Balance for XXXX Available Balance Your Available Balance is how much you can spend right now. It may differ from your Actual Balance due to pending transactions. 
{$9.00} Actual Balance {$9.00} Transactions Sort by Date - Newest to Oldest XXXX XXXX XXXX XX/XX/2021 {$0.00} ATM Balance Inquiry Expand XXXX XXXX XXXX XX/XX/2021 details XXXX XXXX XXXX XX/XX/2021 {$0.00} ATM Balance Inquiry Expand XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 $ XXXX ATM Cash Withdrawal Expand XXXX XXXX XXXX XX/XX/2021 details XXXX XXXX XXXX  XX/XX/2021 $ XXXX ATM Cash Withdrawal Expand XXXX XXXX XXXX  XX/XX/2021 details XXXX XXXX XXXX XX/XX/2021 {$0.00} ATM Balance Inquiry Expand XXXX XXXX XXXX XX/XX/2021 details
Product: Mortgage

XXXX of 2019 we started a loan modification process with Loan Depot. They accepted and in XXXX we started the first of our three test payments. In XXXX the contract was signed by both parties and agreed to. However when Covid 19 hit they placed our mortgage in Forbearance which our us asking or approving. In addition we received no notification that this happened. We then got a bill showing we owed several thousand dollars and when my wife called the recording said we were in Forbearance. We told them we did not approve it nor ask for it. My wife asked to cancel it and noted we have paid our new loan amount every month because we did not know we were in Forbearance. After that we got letters and emails stating it was canceled and that we now owed over 10,000 dollars. They also stated the modified mortgage was null and void. At which time they started hitting our credit daily so I am now down to a beacon score in the mid 500. We have contacted them multiple times and we are always told we would get a call back and we never get a call back.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX These companies have 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, states a consumer reporting agency can not furnish an 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, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-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

I tried contacting the creditor directly by mail and they wont solve or provide any information by mail, and experian was contacted XXXX  times already to provide original contract or delete and that account still shows in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out this request in XXXX of 2021 and still, my personal information hasnt been corrected to reflect my current address, name, and phone number. 

As a victim of identity theft, I do not want any incorrect information on my credit report that could potentially increase the risk of scammers obtaining credit in my name. 

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

and also in 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. I have not given any of the agencies/companies or credit reporting bureaus my written consent to furnish and or sell my personal information to a third party or credit reporting agency.

Thus, Per the Fair Credit Reporting act, The Right to Privacy and Permissible purposes of consumer reports, Experian, XXXX, and XXXX have violated my rights. According to 15 U.S. Code 1681c. Section 5 - Requirements relating to information contained in consumer reports, states that any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Kindly ask for the second time that inaccurate information, including the accounts associated with the addresses or phone numbers listed below, be deleted immediately from my credit report. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX Inaccurate Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Spouse or Co-Applicant : Agot Accounts Furnished without my written consent : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

Request was made on XX/XX/XXXX with FedLoans to refund all student loans paid during COVID-19 forbearance period ( XXXX XXXXpresent ). Call reference # XXXX. I was advised on a call XXXX months later that I would not be able to get my student loans refunded because I paid select loan sequences in full, which I later learned was a false statement. 

In XX/XX/XXXX I learn that my loans are being transferred to XXXX and received an email on XX/XX/XXXX that the transfer process had began. On XX/XX/XXXX, I saw that my account had now reflected my current balance and contacted XXXX to initiate the refund process. I was told it would take 60 days. I called several times over the course of 60 days for updates, and never received any update. After 60 days, I called XXXX and was advised that the wait would now be 90 days following the influx of forgiveness applications from late XXXX following the President 's executive order. Called after 90 days from original request ( late XX/XX/XXXX ) and told loans were still in process. 

Was just advised today by a supervisor after being on hold for XXXX hours and forty-five minutes that XXXX could not initiate the refund request because the loans were paid off through Fedloans, not XXXX. This was the first time I received this information despite calling well over XXXX times since original request was made on XX/XX/XXXX. I was directed to call Fedloans. 

I contacted Fedloans XXXX times today, XX/XX/XXXX, and each time I call, I receive an automated response that my loans were transferred to XXXX, and I can press XXXX for further guidance. All three times the call was dropped. 

I need to receive the refund from the Department of Education as soon as possible. 

Document attached highlighting all payments made entitled to be refunded.
Product: Vehicle loan or lease

I was in an accident in XX/XX/2019. Since then, I have made several attempts in contacting Ally Financial to obtain the documentation necessary to file my GAP insurance claim with XXXX. XX/XX/2019 was the most successful attempt, however, I still have not received all the needed documents. I spoke with someone in customer service on XX/XX/2019 and explained that I had called several times prior to obtain an original contract and a statement including the payoff from the date of loss. We had been advised multiple times that the documents had been sent to XXXX, but when we spoke with the representative on XX/XX/2019, she saw no evidence that anything had been sent. She advised that she would get the contract sent in which I asked to have it sent/emailed directly to me so that I could send it to XXXX myself. She immediately fulfilled the request. As for the payoff from the date of loss, she explained that it would take a few days for her to obtain that document for whatever reason and that she would mail it as soon is it was ready. I followed up after the new year to the tune of their systems were down and would probably be down for the remainder of the week, so call back in the next week. I have called SEVERAL times since then ... XXXX has called, but there has been no answer on their end. I just need this once document so that I can more on with filing this claim.
Product: Debt collection

In accordance with the Fair Cred : Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also they 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 a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Mortgage

Pacific Union Financial , LLC RE : Loan # XXXX FHA Case # XXXX A Foreclosure Sale date is a scheduled for XX/XX/XXXX. My, XXXX XXXX, 3rd Party User, called my lender, on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, spoke to XXXX, ID # XXXX, of Loss Mitigation Department, to find out if the Authorization and 61 pages of the loan modification documents were received ( they were ) and the postponement of the Sale occurred/pending loan modification processing. XXXX told XXXX because of the insufficient time ( 30 days ) to the foreclosure sale date, Options ( loan modification nor short sale ) were no longer available that we needed to call the foreclosing attorney, XXXX XXXX XXXX XXXX XXXX ( XXXX ) made no sense in that they were the source of mitigation ( which ) XXXX requested to speak to a Manager.

XXXX asked for XXXX phone number ( XXXX ) that XXXX, Supervisor ( mind you ) with no ID # would call XXXX back within ( 48 ) hours was another attempt to deflect postponing the Sale for a loan modification or short sale purchase is why this Compliant is being filed, notwithstanding. XXXX stated to XXXX that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days to cure a defaulted loan that their discretionary business practice of ( 30 ) days contradicts and violates the State of Maryland Law. If the foreclosure sale and/or ratification occurs, XXXX and all Parties involved will have committed a felony.

Per FHA guidelines ( Case # XXXX ), we are allowed a loan modification or a short sale our property for the ( {$3000.00} ) relocation assistance with no pursuit of a deficiency judgment.

Please pull the phone transcript to verify the conversation with the above Parties. XXXX must NOT be allowed to circumvent the Law, the last time this happened the 2007 mortgage CRASH occurred.

Are we being profiled because we are Hispanic or is this a standard business practice with Pacific Union Financial , LLC to forbid disavow our foreclosure Rights? A denial of Due Process will be deemed an act of conspiracy and conversion and will be ( if necessary ) be escalated to the TV stations channels 4, 5, 7, and 9 Investigations Teams, my State Delegates, Senator, Governor, the Office of the Commissioner of Financial Regulation, Office of the Comptroller of the Currency, State Attorneys General Office and/or pending a Class-action lawsuit.

I have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief, is true, correct and complete.
Product: Debt collection

XX/XX/19- received notification that Revenue Enterprises at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX was trying to collect a debt from a hospital 1300 miles away from us. I sent a letter asking for ; - validation of the debt. 
- explanation of how the debt was calculated - to provide copies of documents that show I agreed to pay the amount requested - verification of judgment - prof that statute of limitations was not expired - the license to collect in my state of illinois - license numbers and registered agent documentation. 

They have refused to provide that information and have continued to send collection requests.
Product: Payday loan, title loan, or personal loan

In XX/XX/2015 I went to the XXXX XXXX check into cash building. I paid XXXX as a settlement agreement for my XXXX remaining balance on my vehicle title loan. I never heard from this company again. 
Then on Wednesday I get a call am from a man named XXXX asking for me by full name never mentioning he was calling from check into cash in Nevada. I was in a meeting and my assistant called him back and he was unavailable she spoke to a woman who didnt give her name who started saying I HAVE not HAD a title loan with this company ... when my assistant told her point blank I was in with a client and she was my assistant. So A ) they have no right to speak to anyone about any sort of loan ive ever had with them to anyone but me. Then she started asking my assistant for my address and where I lived and my assistant was totally freaked out. The woman told my assiatant she is in nevada and with check into cash. B ) they have no right to ask personal questions about where I live or what my address is. When I called back I spoke to a woman and told her I was recording the line to whi h she responded she was recording but she wasnt allowed to speak on a recorded line told me I never paid them and they will have the police find me and arrest me and make sure I pay for stealing from them. I told her everything they are doing is illegal and I was filing a complaint. They cant have the police come and arrest me when I paid them 3 years ago. Why wasnt I informed of an issue at any point over the last 3 years?!?! She hung up.
Product: Credit card

Elan financial charged my credit card an international fee and a fee to career growth. I called career growth and they have nothing on me. Elan financial refuses to get my money back. They are thieves. I spoke with XXXX at the XXXX 's XXXX. XXXX is very unhelpful, I called XXXX, left her a message and she did not call me back. I eventually spoke with XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 I applied for a secure credit card filling funding the card the same day with {$500.00}. I called XX/XX/XXXX to get a refund I also callled again and email the company asking for the status of my refund for XXXX I told them I dont want there services and to refund my money back to my card. The company purposely waited.and I spoke with my bank to inform them on a XXXX way call the merchant said he will Refund me back {$500.00} but it will be 4 7 to 10 weeks ans they will send me a check I then told First progress to provide me with certified confirmation of the check that they said they will mail off to the address I have them to mail it to but he told me He couldnt do that. Company within enough time to refund my phones back to my card. However, they purposely didnt. If you look on The company XXXX  it shows a reputation of this. I was never giving a reference number or anything showing that the account is closed and the refund is on its way.. First progress and my bank both were on a three way phone cal this morning on XX/XX/2023 First progress apologized because they couldnt send the funds back to the original card Im requesting proof of my refund and to speak with someone in a hire department because they should have been able to credit it back to my card
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting an higher and wrong loan mortgage balance to credit reporting agency. My current balance is {$83000.00}. It was {$84000.00} in XXXX. However Wells Fargo reports a balance of {$86000.00} to credit reporting agency. 

When I attempt to have them make a correction, they refuse and reply with the following lie. 
" We can confirm we reported your principal balance accurately, to the credit agencies. We can also verify in XX/XX/2020, there was a non-sufficient payment received, which given the timing of the reporting and when the payment reversal occurred, this would have impacted your reported principal balance. ''
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 Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$6500.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX : Account Number : XXXX : Balance : {$240.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX XXXX : Account Number:XXXX  : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I got a call from ( XXXX ) XXXX that only lasted one ring. I looked up the number, and it appears to be spoofing another phone number. The caller, " XXXX, '' left a voicemail ( attached ) saying she was from " XXXX XXXX XXXX  '' and wanted to follow up on my " public '' loans. The number she gave to call back was ( XXXX  ) XXXX-XXXX. I know for a fact that even though my loans are set to come out of forbearance in XXXX, my loan servicers ( Great Lakes Educational Loan Services and XXXX  XXXX  ) have not contacted me. I also have never heard of " XXXX XXXX XXXX. '' I believe this is a scam for student loan consolidation/management.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and demand immediate action regarding the ongoing failure of credit bureaus to correct inaccurate personal information in accordance with the Fair Credit Reporting Act ( FCRA ). This failure has directly resulted in significant errors and delays in my social security case due to an inability to verify my correct information. 

Details of my complaint are as follows : Despite multiple attempts to correct my personal information with the credit bureaus, including but not limited to [ specific dates of contact ], I have been met with persistent negligence and disregard for the accuracy of my credit report. 

I am legally entitled under FCRA to have the following accurate information reported : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone Number : [ Correct Phone Number ending in XXXX ] Date of Birth :XX/XX/XXXX Social Security Number : [ Correct SSN ending in XXXX ] Employers : Requesting removal of all employer information This inaccurate reporting has directly impacted my ability to verify my identity for important purposes, such as my social security case, leading to errors and delays that could have been avoided if the credit bureaus had complied with FCRA requirements. 

Enclosed with this complaint are documentation supporting my correct personal information. 

I demand that the Consumer Financial Protection Bureau enforce the FCRA laws and take immediate action to compel the credit bureaus to correct and update my personal information accurately. It is within your authority and duty to ensure compliance with these laws to protect consumers like myself from the harmful effects of inaccurate credit reporting. 

I expect a prompt and thorough investigation into this matter, along with appropriate enforcement actions to rectify the credit bureaus non-compliance with FCRA. 

Thank you for your urgent attention to this matter. I look forward to your swift resolution and corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS ON THERE THAT WERE ARE NOT MINE. REFER TO BELOW DISPUTED ACCOUNTS AND THE IDENTITY THEFT POLICE REPORT. 
PLEASE REFER TO ATTACHED XXXX  REPORT. PLEASE FOLLOW SUIT AND DELETE THESE ACCOUNTS FROM MY CREDIT FILE AS THEY ARE NOT MINE. THIS IS AN OBVIOUS CONTRADICTION SO PLEASE ADHERE TO THE FCRA LAWS. 
A XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS REGARDING THE GIVEN INFORMATION. THESE MAKE FIVE 30 DAY DEADLINE DATE VIOLATIONS UNDER FCRA GUIDELINES.