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

I am following the rules that your company states I must follow however, I am a victim of either identity theft or an accuracy on these credit reports and although I monitor my credit often I have been reaching out to TransUnion now for the past 6 to 9 months to please get these off of my credit report I am finally doing a consumer financial protection bureau report, because Trans Union is XXXX of the only credit bureaus that will not help you remove inquiries in a proper and professional manner, even if they know that the inquiries are not yours, even if they know that the inquiries were illegally unprofessionally and improperly placed on your consumer report and even if they know, did you did not apply for this product TransUnion still gives no leeway and getting these inquiries taken off of the report like the other credit bureaus do. 
Right now I am battling TransUnion and I have disputed these inquiries starting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number four is questionable because I dont know if I actually have a card that is attached to this account or not and I have tried to reach out to the company and to my cards but of course nobody wants to help so I have not been able to verify this court or if it is attached to any account that I have, but I almost positive that it is not, and it is the last inquiry on TransUnion that I need immediately removed XXXX XXXX ALL OF THE OTHER INQUIRIES, I BELIEVE OUR MIND, AND OR ATTACHED TO CREDIT ACCOUNTS THAT I HAVE OR HAVE APPLIED, FOR I HAVE NEVER REPLIED TO ANY OF THESE COMPANIES LISTED ABOVE, AND I DO NOT WANT THEM FRAUDULENTLY OR IMPROPERLY ON MY CREDIT REPORT. 
WE ARE IN VIOLATION OF CODE 1681B2 AND CODE 1681 C2 ALSO 15 US CODE 1681 EB AND ALSO US 15 CODE 1681 a2 Why any of these credit reporting agencies or any of your companies think it is OK to be in violation of these codes knowing that some of us as consumers know our rights and no our laws and I am telling you that Im going to keep writing and keep bothering and keep putting forth these professional rules, and guidelines we were supposed to adhere to until something is not about this. I should not be battling one reporting agency for for inquiries that were taken off in a matter of 15 minutes by the other two credit bureaus because they knew they were fraudulent in notof mind doing. 

So once again, without giving out any personal information, I want these inquiries immediately removed from my personal consumer report with TransUnion. They are violating me and keeping me from maintaining proper and ethical credit decisions and monitoring, and I continue to monitor my credit and I will and this is the second attempt to reach out to TransUnion, where they have failed to get back to me in a timely manner I will not let there be a third
Product: Mortgage

Loan Depot - The Loan officer pressured me to provide PII ( Personally Identifiable Information ) and asked me for money through XXXX. She ran my credit XX/XX/2021 ( hard inquiry ) after I gave her the appropriate information about my cash-out refinance. 3 business days later XX/XX/2021 I had to call her and she acted like she didn't know me at first but found my information. She said since " I didn't respond '' the loan was denied and she had to get it re-instanted. Anyways she ghosted me and all I demanded was a Loan Estimate as she should provide. No she has refused providing me the Loan Estimate while demanding PII and money from me. This is PREDATORY LENDING. 

XXXX XXXX Licensed Lending Officer - Loan Depot NMLS # XXXX
Product: Debt collection

I was unaware that the hospital was pursuing a debt that occurred over two years ago. Upon discovering this information on my credit report, I contacted the collection agency, but they were unable to provide details. Subsequently, I reached out to the hospital, only to find that they lacked coherent information as well. In an effort to clarify the situation, I obtained my medical records, which incorrectly stated that I was transferred via ambulance. In reality, I initially sought care at XXXX XXXX, but no information was collected during that visit. Unfortunately, due to the urgency of the matter, I have no recollection of that day. 

I am seeking the removal of the medical debt from my credit report based on the provisions outlined in XXXX XXXX XXXX XXXX known as the Consumer Protection for Medical Debt Collections Act. According to this bill, consumer reporting agencies are prohibited from including medical debt arising from a medically necessary procedure or other medical debt less than a year old on a consumer credit report. Additionally, those reporting medical debt must notify the consumer about these restrictions before including it on credit reports. Moreover, debt collectors are prohibited from collecting medical debt less than two years old.
Product: Credit reporting or other personal consumer reports

For nearly XXXX  years, I a federally protected consumer has been violated due to the unauthorized reporting of my personal financial information related to a bankruptcy discharge that has been listed on my consumer reports. Per the uscourts.gov Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. 107 ( link is external ) ; Fed. R. Bankr. P. 5003 ( link is external ), 9037 ( link is external ). Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports
Product: Mortgage

I was working with PennyMac Loan Servicing on getting a loan on a new mortgage company. I was set to close on XX/XX/XXXX and made sure to constantly be in contact with our processor regarding closing date. On XX/XX/XXXX I received a loan estimate that was grossly incorrect. When I locked with the company my estimated closing costs were $ 17,000+ I had one condition to pay a {$9000.00} auto loan off. On XX/XX/2019my loan estimate was showing {$53000.00} needed to close. I then contacted the company to tell them this was incorrect. After going back and forth for 2 weeks they still had problems adjusting and fixing the closing estimate. On XX/XX/2019 the title company got a closing disclosure that read I needed {$23000.00} to bring to close when I confirmed this with PennyMac I got different answer from different people. On XX/XX/XXXX I had two people tell me {$23000.00} needed to close and one told me {$32000.00} needed to close. I even have it in writing I need {$23000.00} to close. On XX/XX/XXXX ( 3 days before closing ) I assumed everything was resolved due to my conversation 2 days prior. I learned it was not and then company would be pushing my closing because they forgot to order a flood appraisal and the earliest that I then could close was XX/XX/XXXX. I told them there would be a penalty to me if we can not close on the XXXX. They said we will worry about that when we get there. I was also told closing costs were back up to {$32000.00}. When asking for a closing disclosure I was not provided a new one the only ones I got was from the title company. I feel like I was being taken advantage of. I decided to part ways with this company and find a new lender. I am now having to pay penalties because of this company. When I spoke to management they stated they new a month prior I was not going to be approved for the loan but felt like I didnt need to be told that explicitly so I could find someone else. They wanted to have me try to just keep coming up with money to make it work. I have requested they pay my penalties because they did not communicate with me adequately and I feel like they stalled and stalled until I ran out of time to make a change. The attitude I got from the company was just wait it will work itself out or just wait we will work together but none of which happened. They did have a copy of our contract that stated how much penalties are if closing is delayed because of the buyer.
Product: Checking or savings account

I opened an M & T EZChoice Checking account on XXXX XXXX, XXXX. M & T advertised a promotion that promised a {$150.00} bonus after a direct deposit of {$100.00}. I have met the conditions for the bonus and when I asked a customer service representative when the bonus would post, she told me that the promotion was targeted to particular persons and that my name was not on the list, so I would not be receiving the bonus. This is not true, the terms made no mention of this being a targeted promotion and I replied stating this. A second representative replied to me and she changed the story, saying that the account was opened in a region that was not eligible for the promotion. The terms also made no mention of this. M & T should honor the terms of the agreement that they made with the customer.
Product: Credit reporting or other personal consumer reports

I had issues with a credit report that was different from the reports I have access to. 

Credit reports are being withheld and the numbers used aren't being shares with consumers who need to know exactly where they stand before applying for credit and further damaging their sensitive information. 

My credit score with XXXX had never been under XXXX for the last 24 months and when I applied for a rehab loan it was reported I had a XXXX. 

I was told by the company there's 20 different reports, I was sent a credit report directly from XXXX and the report was even higher at XXXX. Then once I requested information and later applied for credit the score dropped XXXX points to XXXX. 

Then I later was refinancing the same home that I was trying to get a rehab loan on and was told XXXX had my score at XXXX. In these months credit score has been all over the place and when logging on to XXXX XXXX I discovered several erroneous findings showing {$90000.00} debt and collections which I don't even have. 

Somehow its seems retaliatory or vindictive to have my scores assaulted and manipulated to further my business and financial demise since lending and credit is a huge part of advancement and it's unfair and unjust.
Product: Mortgage

I was in forbearance during the pandemic and was working with my mortgage company Shellpoint, on a loan modification. We started working on this months ago and finally a few weeks ago I was given my three options and was approved for the modification I picked. I was told via email back in XXXX, I believe XX/XX/XXXX, that there was no paperwork necessary, but now there is and shellpoint is not providing me with my documents to sign and are threatening me now that I am in default. All of this since XX/XX/XXXX is documented via many, many emails. Shellpoint keeps feeding me lies and telling me that documents were mailed, then XXXX XXXX then telling me that I can get the documents from a notary service they hired on my behalf that I can never reach and the list goes on with the delay tactics. I am now past my deadline and Shellpoint will not let me speak to anyone other than the representative assigned to me. I have tried reaching FHA but I haven't had any luck getting a live person yet. I've reached out to local FHA/HUD locations and they said it's out of their realm. How can I get this resolved so that I do not lose my home? I have most conversations via email so that I can prove I've really done my duediligence in this matter and that Shellpoint seems to be delaying and making obstacles for me. I'm so worried now that I'm going to lose my home. There are more issues that I can explain such as conflicting information given, wrong websites to go find my documents, wrong phone numbers given, etc ... that has delayed this to this point where I'm terrified of what is going to happen now. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.
Product: Debt collection

Subject : Dispute of Collection Account on Credit Report Dear Sir/Madam , I am writing to dispute the presence of a collection account on my credit report under my Social Security number , which is attributed to LVNV Funding LLC . According to my credit report, this collection account is negatively impacting my credit profile. 

I have previously requested copies of any documentation associated with this account bearing my signature. However, LVNV Funding LLC has refused to provide me with the requested documentation. In the absence of any such documentation bearing my signature, I am formally requesting that you immediately delete this information from the credit file maintained under my Social Security number. 

I want to emphasize that as a consumer, I have the right to request and receive verification of any debt that is being reported against me. It is imperative that LVNV Funding LLC provides the necessary documentation to validate this debt and substantiate its accuracy. 

I kindly request that you initiate a thorough investigation into the validity and accuracy of this collection account. During your investigation, I expect that you will provide me with copies of any documentation that supports the existence of this debt, including documents bearing my signature. 

The letter they sent me is showing another collection agency called Resurgent Capital Services, and I received an email from XXXX, which one is the correct collection agency. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I have settled my debt he following creditor Capital one on XX/XX/XXXX. I have enclosed copies of the settlement letter/ proof of payment. They now have proof that this debt is no longer collectable, therefore I demand that this company removes this account ( Capital One - Account Ending in XXXX {$300.00} ). 

I reached out to the creditor on XX/XX/XXXX via phone call requesting a copy of 1099-C, which they failed to provide copy. 

The creditor only sent paid off letter.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 at around XXXX XXXX EST I got a text message saying that I was approved for a loan from a company called XXXX XXXX XXXX from a number of XXXX, the person signed it as XXXX XXXX. I called to obtain the loan and during the process the rep, who sounded like a foreign agent asked me for my online banking user name and password to verify if the funds were deposited. I provided it to him and he repeatedly told that it wouldn't allow him to log in and I verified it multiple times with him. He placed me on a very long hold and when he came back I asked if this was a scam and he said no its not and then hung up on me. I immediately changed the password to my online banking account. Please do something so that this person doesn't scam someone else.
Product: Prepaid card

I received an Amex Prepaid Gift Card. I have tried to use it for XXXX. I linked it to my XXXX XXXX. Every single transaction is being denied. I know that the card is active. I was also aware of my balance. What I was trying to purchase was below the balance available. I called customer service, and they wouldn't help whatsoever.
Product: Credit card or prepaid card

I had file a complain XXXX against SYNCHRONY FINANCIAL a month ago. After that complain, the office of the president sent me an email through its senior customer relationship in the name of XXXX. They agreed to reimburse the over charged they put on my credit card and said they have mailed me the refund check of {$530.00}. They also said I will receive the check within 5 to 10 days. After 3 weeks of not receiving my money, I called many times to know the status of my check and finally, XXXX picked up the phone and said she will look into that. I still have not heard from her. I left her 4 voice messages and an email but she never returned my call or reply to my email. I understand {$530.00} is not a lot money for her but for me, that's a lot. It a money I can use to help pay my daugther 's daycare, it's a money I can use to help pay my mortgage among other thing. I am not looking for any charity from SYNCHRONY FINANCIAL. I want my money back. That's all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is verifying all information less than 24 hours no information is accurate
Product: Student loan

In XX/XX/XXXX wife and I filed bankruptcy trying to help my mom when in the hospital Moved to XXXX for new job and finished paying bankruptcy XX/XX/XXXX -XXXX EduCap garnished my wages to where I could n't afford my mortgage and have to file bankruptcy again. Now I have a lien on my house and I can not sell my house because of a new job waiting for me in XXXX. I would like to work with EduCap to settle my debt but they wo n't even talk to my bankruptcy lawyer. I 'm not trying to get out of paying my debt but I am asking for help so that I can pay EduCap off as soon as possible. 
If I ca n't sell my house I will have to forclose and I 'm trying not to go there It would be better for me to sell my house and give EduCap any profit I make on the sale. 
All I 'm asking is to work with me so we both can move on with life. 
Thank you for any help and support you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open credit card with XXXX XXXX XXXX. I had called and closed the accounts and had not used the card for several months. I received notification that I was 90 days late on a payment in my credit report. When I inquired about it the charge was an annual fee from an account that was supposed to be closed. I paid the fees and asked them to remove the charges from my credit report. I would concede that it was a clerical error and assume the payment if they would remove it. I was told that would happen but now they do not want to remove the charges from my report. This impacts me directly as I buy real estate for a living and this one incident has lowered my score by XXXX points initially and another XXXX points today. I need this removed from my credit. This was an error on their end they conceded that they would remove the charges once I made the balance current and now they are refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I sent a letter Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All incorrect address and misspelled names on credit report is affecting my score and I want removed from XXXX  XXXX and experian
Product: Debt collection

Optimum responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX  responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX  XXXX , acting as an agent for XXXX XXXX XXXX XXXX  XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED