23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Wanted to check rates on RoadLoans.com ( part of Santander ). There was no language on their website indicating that there would be a hard-pull on my credit reports. Many websites and banks use this " pre-approval '' feature ( such as XXXX and pretty much every major bank via direct mail ), but those " pre-approvals '' do n't negatively effect your credit until you complete an application. The banks are typically very transparent and make it clear when a soft-pull is going to occur vs a hard-pull. Roadloans.com 's process seems unfair and deceptive due to the absence of any relevant disclaimers, or any language on the application site describing the implications of submitting information to RoadLoans. Any reasonable consumer could get confused and, like me, unwittingly submit an application for credit rather than an application to receive rates. For full disclosure, I used a nickname instead of my real name during the application because, frankly, I did n't think it 'd matter given the fact that I was just checking rates. I did, however, use my correct SSN ( in order to get correct rates ).
Product: Debt collection

I filed Ch XXXX bankruptcy and was discharged with no distributions in XXXX XXXX. XXXX XXXX had a XXXX lien for a water softener and was included in the bankruptcy. Castle Credit was listed and notified but the continued with their automatic payments. We did not want the water softener and attempted to surrender it. In late XXXX XXXX from Castle Credit told me that I could not surrender it. They stated they were a loan company with a lien against my house and they had to be paid or I would lose my home. They refused to just take back their collateral. I was very ignorant since I filed my bankruptcy pro per and I did n't know there was a lien so I did n't do anything or investigate it. I believed they were right. They represented that like the house payment if I wanted to keep my house I had to pay off their bill. I have since learned it is not true and I do not want the water softener but they refuse to pick up the collateral and remove the lien against my house even though they were discharged in my bankruptcy. They were calling me 3 or 4 times a day at work and harassing me. I do not want the water softener. They should come pick up the collateral of the debt I discharged in Bankruptcy. They claim that I am trying to sell my house so they are refusing to cooperate and are purposely interfering with my escrow where I am trying to refinance but this lien is causing me problems. They are trying to get paid by not complying with the law. 
I sent them a letter telling them to stop calling me as I had to work but even today they keep blowing up my phone threatening me. They keep telling me they wo n't do anything because I am selling my house. I am not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX has violated my rights account number XXXX and account number XXXX I need it removed right away. Law 15 use 1681 sec 602a states I have the right to privacy. sec 604 states a consumer reporting agency can not furnish account without my written instructions, 1681c states no consumer reporting agency may make any consumer report containing any of the adverse item other than the conviction of crimes which antedates the report 1681 2 a 1 person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. This account was never late even though XXXX was not given permission to obtain a loans in my personal name, I went to XXXX to purchase vehicles for my company to put on XXXX and to have for movie sets, video and television and film rentals. I specifically explained to my sales rep and financing that these vehicles had to be business loans only with me as the personal guarantor. ( P and G ) loan. I advised them if if could not be done, I had no need for the vehicles. I researched business credit vs personal credit for the last seven years and was very educated and adamant about no vehicles appearing on my personal credit report. I gave my personal info as a guarantor for the business only not a cosigner in no type of way shape or form. At the time of purchase, my credit score was high XXXX 's I had finally learned how to manage my personal credit and business credit which had an a rating and keeping the business separate. The XXXX with XXXX XXXX XXXX immediately started showing up on my personal credit report without my permission. I immediately contacted the dealer and XXXX finance and was told it was nothing they could do. I told them this is not what I agreed to and I would have never allowed the business car debt on my personal credit report. They kept saying well you signed and I said yes for the type of agreement I was told I was agreeing to. I did not authorise use of my personal information or use of my personal credit report other than to verify my identity and to be a personal guarantor for the business if the loan defaulted. With a personal guarantor loan vehicles do not go on your personal report at all. When I saw the word co signee I questioned it and was told at their dealer its the same as a personal guarantor. Lies and deception to get a quick sale not realizing how hard I worked to master my credit the dealership took that away from being dishonest with the excuse of we have paperwork. I did not authorise that type of loan neither would I had ever authorised that type of loan that was fraudulent. Also the vehicle was returned and paid off and they reported a false XXXX late after the vehicle was grounded and settled. I did not authorise XXXX to secure a loan in my personal name thru XXXX that was also fraudulently done by the sales repXXXX the vehicle has been returned and closed should not be appearing on my credit report.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date of XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - XXXX
Product: Debt collection

A XXXX bill was open in my name I currently a XXXX account holder I have no knowledge of the account that was open in my name I am in the process of getting a house so I needed this to be off my credit report so I just paid the debt in full the debt is not mines I would like it to be deleted off from my credit report since I have no knowledge of this account from fraud with out knowing wasnt giving knowledge of this account until today woke up on my credit report
Product: Credit card

Citi XXXXXXXX XXXX XXXX  sent a credit card to my house and I never activated it. I did not know who applied for it or what was the card about. Then they sent a statement to my house with a member fee charged to the card. I tried calling and talking to them and they want all my personnel information social security address phone number all of the above... they will not cancel the card and are charging interest on the balance of the membership fee.. 
There phone number is XXXX XXXX XXXX XXXX they are completely fishing for information... 
Please help
Product: Debt collection

Continue to dispute the information on Experian but just comes back updated and verified. However no proof as to how this was validated has been given regardless of my many attempts requesting for proof. The collection agency and Experian refuse to send any documentation of proof.
Product: Checking or savings account

Truist bank has been the most unfortunate and deceiving bank I have ever worked with. 
They allowed over {$3500.00} of unauthorized charges to be made on my card and after opening and disputing the charges they are telling me they will need up until XX/XX/XXXX to determine my claims. I opened this claim with XXXX XX/XX/XXXX when I initially noticed the charges. The next day, XX/XX/XXXX I get an electronic mail stating that they are only going to investigate half of the claims ( totaling {$1600.00} ) because they found no error in the other charges despite the transactions being made around the same time using the same chip card. I even let them know that I filed a police report regarding the unauthorized transactions since it was over {$3000.00} stolen and provided copy of the police report filed. The worst part is dealing with the Fraud dispute department, they lack any kind of sympathy and urgency to their customer 's especially with the situation of fraud. In those three weeks from XX/XX/XXXX i didnt get any type of follow up from Truist or even confirmation that my documents were received, it wasnt until I contacted them today that I was told they started looking into my case today. Thats what prompted me to even file this complaint. I greatly regret ever opening an account with this bank. 
I I'll never do any type of business with this bank even if my life depended on it.I am so disappointed with the way that Trust is choosing to handle this situation especially in a time like this. It is 3 days until XXXX and my account is overdraft and I have no clue what else to do. After this case of finished I will definitely be closing my account with this bank. 

( Claim No : XXXX )
Product: Debt collection

This company failed to validated this debt and failed to provide the requested information with in the 30 days. The letter states if they fail to do so with the 30 days all references to this account must be deleted and removed from credit report and a copy of deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiry that I did not initiate or approve. This inquiry have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiry are not a result of any actions Ive taken. 



XXXX XX/XX/year> Equifax
Product: Mortgage

I refinanced my original mortgage once XXXX to get a lower interest rate, in that process XXXX loan separated a portion of the primary mortgage into a second mortgage, so instead of a 1st mortgage of {$110000.00}, I had a 1st mortgage of {$96000.00} and a second for {$18000.00}, the increase in amounts went towards paying the " closing '' fees of the refinance. 

When the housing crisis occurred, I was informed by my mortgage lender to cease making payments in order to qualify for home modification loan, since our house lost so much of its value. Unfortunately, that did n't happen ( was refused modification ) and I was left out to dry by HAMP, and ended up losing my home which was eventually foreclosed on in XXXX 2013 for {$88000.00} less than the entire mortgage of {$110000.00}. Since XXXX XXXX did n't inform me that I would lose the non-recourse status once they separated the XXXX loans, I learned during the foreclosure that I owed {$18000.00} on the second mortgage for a house I no longer own, and that just sold for {$24000.00}. 

I had to move out, find a new place to live, which was across the country, and had to struggle to regain lost wealth, etc ... Well my secondary mortgage from XXXX for {$18000.00} ended up being purchased by XXXX XXXX XXXX during the bailouts, and eventually ended up with the debt collection company Green Tree/XXXX 

I have offered to pay 10 % to settle, seeing everyone took a haircut due to the Housing Crash that I had zero to do with, and was instructed by my primary mortgage lender to stop making payments to qualify for HAMP, which landed me in eventual foreclosure. XXXX refuses to accept anything less than 50 % over the phone, I am just trying to settle for a reasonable amount of 20 % of the total due, which is {$18000.00}, in a XXXX lump sum payment. XXXX refuses and are unreasonable to not incorporate the facts of the situation when arriving at a solution on this debt. This refusal is costing me money in a lower credit score, and at second chance at being a homeowner once more - I am just trying to move on with my life.
Product: Credit reporting

I have disputed this with Toyota Motor saying account XXXX is a fraudulent account. I was told to fill out a fraudulent package and send it back to them. I did that also. I call around XXXX XXXX 2016 and spoke to XXXX in the Fraud department. He told me that they investigated the information back in XXXX and they found that the item was not fraud. I told him how did they investigated the information back in XXXX and I just turned in all my information showing that my identify was stolen at the mid of XXXX 2016. They refuse to do their due diligence in investigating my claim.
Product: Debt collection

In XXXXXXXX XXXX XXXX I was given two mortgage loans on my home an 80 % 1st and 10 % 2nd mortgage with XXXX. The XXXX loan balance was {$99000.00}. In XXXX I was unemployed and I fell behind on payments on the 2nd mortgage, and my home had negative equity at the time. In XXXXXXXX XXXX XXXX XXXX XXXX the new servicer, sent me a settlement letter for {$7900.00} to close the account. I called to get further instructions on how to send the payment but then was advised they could not take payment, the account would be charged off and the lien on my home would be released. No further payments would be due. The loan was charged off in XX/XX/XXXX but I never received the lien release. 

In XXXX I did file for Bankruptcy XXXX XXXX and included the debt. Within several months I received a notice from XXXX XXXX XXXX that they now owned our loan. I contacted them several times during XXXXXXXX  about the release on the 2nd lien. They claimed to have no record of the settlement or release on my loan from XXXX or XXXX XXXX. I was advised to sell the home in a short sale and settle the balance, something I couldn't do. I never received any monthly bills from XXXX, only an annual privacy statement. 

Then in XXXX I received a notice from Real Time Resolutions as now the new owner of my account. I contacted them and was told my balance was {$99000.00} and the monthly payment would be {$420.00} per month. They began to send monthly statements. They asked I start making monthly payments immediately or my home could be foreclosed upon. I sent them the {$420.00} in XX/XX/XXXXXXXX XXXX  per the monthly statement, but the following month the payment didn't show it was applied, it said placed in a suspense account. I called them to ask why the payment went into a suspense account and they told me the balances would be updated and to keep sending the amount of {$420.00} per month. I did not make any more payments. Soon after the new statements showed I was past due over {$60000.00} and the new monthly payment was {$1200.00} per month. I again called them and was told the best option was to send that monthly payment or to sell the home and they would consider a short pay. 

This account should have been closed and the XXXX released back in XXXX. However the servicing rights continue to transferred and I have not been able to resolve the account. This is the only home I own, and selling isn't a viable option for me and my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

About four months ago i discovered that i have been a victim of identity theft. At that time i had filed an identity theft report through www.identhithytheft.gov and reported my finding to all three major credit reporting agencies ( equifax, XXXX and XXXX XXXX ). all the account that was reported on my credit report that was opened up by the identity theft person was removed from XXXX XXXX and XXXX. but in the other hands equifax has not done nothing to my dispute letters and my rights as a consumer and all it states in my credit report ( consumer disputes - re investigation in progress ). this has been gone for four months and they have not done nothing to protect my rights.and that is the reason i am here now to get help resolve my issues.
Product: Debt collection

Chrysler Capital with collaboration with XXXX XXXX XXXX of XXXX XXXX and XXXX had processed auto-financing documents in a knowingly false manner. I am a service member of the United States XXXX XXXX and what they did was unethical, immoral, and illegal. I was presented my financial agreements in a false manner. Down payment information and trade in value were improperly valued.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my account was hacked and money was transferred unauthorized for {$670.00} I immediately called Chime Dispute to resolve and report the incident giving them all the information i can provide I explained that i was at work and we dont have access to our phones while at work due to the job I do as they were examining the report i got results back and they claim that there was no problem with the transaction even tho there is valuable evidence showing that it was fraudulent and unauthorized I've tried reopening this case 3 times and they keep denying it Ive given all the best proof i can in this situation and they steady saying the same thing Im eligible for refund then asoon as i ask the status of whats going on they say its coming back then later in the day I get email saying its denied they give false hope and i been with them for 5 yrs now and im regretting staying with them theyre unprofessional at times.
Product: Debt collection

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts. 

For over 8 years Ive been fighting and fighting stressing the issue that someone has been using me credit and personal information as their me. This issue is non stop. On top on that now I been receiving letters in the mail from debt collectors Ive never even heard of. There been a data out breach and I believe once again my information is freely out there. Please help me guys
Product: Debt collection

On XX/XX/2018 Midland Funding opened a collection agency added a derogatory mark on my credit report per XXXX and XXXX XXXX There is no form of document, contract or form with my written signature, and validate this debt, According to the FCRA ( federal credit reporting Act ), Midland Funding, has violated my rights as a consumer. Failure to validate the debt to XXXX, XXXX, and XXXX. Please have this collection removed from my report. 


XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX, XXXX, XXXX ; XXXX 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 : {$18000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX GRANDOASIS GA ) XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I owed back payments on a loan through them due to having to change jobs. I finally am making enough to repay the loan and they removed my ability to pay online. They also removed my ability to see what I owe them or what they charge me. They insist I call them for all of these details. I asked for an electronic statement due to my lack of a home and my constant traveling for work and they refuse to provide one. I just have to take the word of someone over the phone.
Product: Mortgage

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To : Whom it may concern Subject : Paying my home deed remaining balance of {$6000.00} On XX/XX/XXXX, my parent XXXX XXXX and XXXX XXXX were the home owner of XXXX XXXX XXXX, XXXX XXXX XXXX  NY XXXX. They singed a home improvement contract with XXXX XXXX XXXX XXXX  XXXX for {$6000.00} in XXXX. At this time XXXX XXXX XXXX XXXX  has listed merging with XXXX XXXX. However, XXXX XXXX  has been merged with Bank Of America National Association. On XXXX, I purchased the property from my parent. Today the property still has a pending balance of {$6000.00} from XXXX XXXX XXXX Co. I would like to pay the full balance, but I am having a difficulty locating XXXX XXXX XXXX Co so I can resolve the payment balance. Please help me find proper contact information to XXXX XXXX XXXX Co.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a collection account that i have no knowledge about and have no contract with. I have disputed this account numerous times with XXXX, equifax and have not had any results based on information i have submitted. 

They have failed to respond to me within the time period allowed under FCRA act. 

There should also be no balance being reported on a collection account which means it should be deleted as not being reported accurately