23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Illegal collection practicesharrassmentthreatsThe mortgage company contacted me demanding that I bring the account current. In XXXX of this year I missed a payment but I 'm doing the best I can to pay once a month since then. 

XXXX, from Greentree started to read me the disclosure about collecting from me when I informed her she had no legal right to collect from me as I a not on the Note. I am only on title. This should all be in the notes in the file as I 've been having issues with Greentree and illegal collection tactics since XXXX 2015. 

The loan was in my exhusband 's name only. I was deeded title to the property in the divorce. He filed bankruptcy after the divorce and discharged the debt. I reaffirmed with Greentree and have been making the payments since. 

When I got one payment behind in XXXX, I started receiving up to 8 calls a day from Greentree trying to collect. Even after I told them repeatedly that they have no legal right to collect from me because I '' M NOT ON THE NOTE. 

Today I got a call from XXXX from Greentree demanding that I bring the account current or they would start foreclosure proceedings. 

I explained for the millionth time the situation. 

She continued to harrass me after I told her she did not have my permission to contact me at this number. She placed me on hold and put XXXX on the line. 

Then he proceeded to harrass and threaten me as well telling me that if I didi n't make a payment and bring the account current it would go into default. 


The account is only 27 days past due as of today XXXX told XXXX I would make another payment in about a month and that the house is under contract and I 'm just waiting for it to close. He demanded I tell him when it would close. How XXXX do I know? So I told him I would get my crystal ball out and see if that would tell me. 

Then XXXX said that I was living in 'Greentree 's property ' that it did n't belong to me and that I needed to bring the account current. It 's only 27 days past due. 

I am sick and tired XXXX. I am doing the best I can to keep the payments up. 

They have tried numerous times to collect from me after I have told them not to. 

I 'm tired of being harrassed when I 've done everything I can to keep sending in monthly payments. 

Hopefully my house will close quickly so I do n't have to deal with these jerks anymore.
Product: Debt collection

We cancelled home Internet services with XXXX XXXX XXXX when we moved. We went into the store closest to our home, returned our equipment, and paid our final bill in full. We have the receipt for this transaction and we were told at the store that we were " good to go. '' XXXX XXXX XXXX reported us to a debt collection agency for non-returned equipment one month later. We received absolutely no notice that this would occur, even though the company has our mail forwarding, current phone number, and email. The first information we received was from the debt collector notifying us that we had been sent to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have egregiously violated my rights numerous times over the past years : I demand the accounts below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts : They have affected further injury to me by allowing my identity to be compromised in their hack and now I am once again battling identity theft and fraud due to their data breach. Equifax 's unfair practices that they have admitted to have caused me to pay higher interest rates and shut me out from access to capital and credit in an effort to prevent me from being afforded equal opportunity to pursue life and happiness while developing wealth in America. 

Equifax needs to delete the following accounts : XXXX XXXX XXXX Late payments/ Never Late XXXX XXXX XXXXXXXX Late Payment / Never late XXXX XXXX XXXX XXXX XXXX XXXX Never late XXXX XXXX XXXX Late Payments/ Never Late XXXX XXXX XXXX XXXX Late Payments/ Never XXXX XXXX XXXX XXXX Late Payments/ Nothing Owed Installment completed according to terms, it even states that! This account should be deleted completely. 
XXXX XXXX XXXX XXXXXXXX Late Payments/ Never late, Vehicle was returned taken while I was trapped out of country in hospital for XXXX. 
XXXX XXXX XXXX XXXX / Never Late, Not my account. I was in XXXX for XXXX please delete. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Late Payments/ Never late XXXX XXXX XXXX  XXXX Late Payment / Never Late ever! 
All hard and soft inquires are not mine and must be deleted as well! 

The law in case Equifax want to pretend to not know it! The consumers privacy matters! 

( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Someone stole my identity and took a fraudulent loan in my name thru XXXX XXXX on XXXX XX/XX/2022. I found out on XXXX XX/XX/2022. I pulled my credit report on XXXX XX/XX/2022 and confirmed a loan in the amount of {$3000.00}. I contacted XXXX XXXX on XXXX XX/XX/2022 and they confirmed this loan was fraudulent and granted thru XXXX XXXX. On XXXX XX/XX/2022 I received a past due notice for a Loan from the same company, XXXX XXXX, this time for a loan with a different Loan Number. I contacted XXXX XXXX Customer support, and they told me to contact XXXX XXXX Fraud Department. I called XXXX XXXX Fraud Department, and they were closed. I tried sending faxes to XXXX XXXX Fraud Department and the XXXX XXXX Past Due Account Help, but their fax numbers listed on their website are not working and out of service. It has been over 90 days since I resolved this issue with XXXX XXXXT, and they continue sending me past due bills and harassing me to pay a loan that is not mine.
Product: Student loan

I've been working with them to defer but it seems like they were lying to me about deferment for months. Now my loan is charging off in the amount of XXXX and with principal loan of XXXX. I need help with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, on my credit report is a clear violation of 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 instruction.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase account to fraudulent investment firm.
Product: Mortgage

My home in XXXX, MA was formally foreclosed upon in XX/XX/XXXX by Roundpoint Mortgage Services Co. after multiple attempts to come with up with a repayment plan, one of which was approved and my checks were returned by the company nullifying our agreement without notifying me. After having a buyer for my property lined up they told them they were rejecting their offer Saturday night and processed the foreclosure Monday morning. We moved and with our lives and were starting to rebuild our finances and credit while our property was boarded up, lock boxes placed on the doors and fences, and Roundpoint Mortgage Services Co took ownership of the property. In XX/XX/XXXX we received a letter stating Roundpoint Mortgage Services Co. had illegally foreclosed on our property, were restarting the foreclosure process, and billing us for missed payments since XX/XX/XXXX along with foreclosure fees again. After immediately contacting Roundpoint they were denied working with us and that although it was their mistake we were still at fault for missed payments for over a year on our credit along with a second foreclosure. In XX/XX/XXXX we received a notice from the town of XXXX, MA stating that the property was a public nuisance and a hearing was being held. A decision was made that we were liable to have the house demolished despite it being in the hands of the mortgage company ( who was contacted by the town regarding the property ) and use being locked out of the property. The town only gave 45 days for action to be taken. Roundpoint has dirtied the deed and is now again attempting to put myself in financial ruins for the same foreclosure.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I recevied a notification on my phone from my bank regarding a pending charge from " XXXX   XXXX XXXX XXXX , CA, US '' . As I did not recognize the charge and it was quite large ( {$1000.00} ), I contacted my bank, Ally Bank, immediately to dispute the charge. They told me that as the charge was pending it could not be disputed and I must wait until it posts. It posted the next day, XX/XX/XXXX and I disputed it the same day. A provisional credit was returned to my account while the bank investigated. 

Flash forward to today, XX/XX/XXXX and I notice the provisional credit has been reversed. I check my account notices and notice a message from XX/XX/XXXX that I was never alerted to indicating " Our research indicates that the transaction was authorized and is correct. Thus, the transaction will remain posted to your account. '' When I contacted the bank to dispute this, they informed me the decision is final and I would need to contact the seller for a refund. When I informed them the " seller '' is a pyramid scheme and this is a known scam, they told me to " look for another way of getting your funds from them. You may want to speak with a lawyer and discuss all options out there. '' I was told they based the decision on the fact that the seller provided evidence of the order and delivery of an item to my address. I informed them this is a known scam with this company ( see others reporting it here : XXXX XXXX XXXX ) and " Federal laws prohibit mailing unordered merchandise to consumers and then demanding payment. '' ( XXXX XXXX XXXXXXXX ) but they continued to refuse any assistance in returning my stolen funds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries ( 9 total ) that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my Transunion report immediately, in accordance with my rights uner the Fair Credit Reporting Act. See attached letters and info. 
XX/XX/XXXX( Bank ) XX/XX/XXXXXX/XX/XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX( Finance ) XX/XX/XXXX XXXX. XXXXXX/XX/XXXX XX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XX/XX/XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I have attempted several times to close my cash app account. Several times my account has been hacked and cash app refuse to refund my money after I disputed charges. When I try to close my account cash app says that the information I'm giving them to close my account doesn't match their records. I have given them all the correct information and yet they still refuse to close my cash app account. There is a XXXX cent balance which one of their requirements is to waive that XXXX cents and allow them to close the account by waiving the XXXX cents account balance. I have waived the account balance which means they can keep the XXXX cents. I just want my account closed and they still refuse to close my account. This has been going on since XXXX of 2023. I just want them to close my account I do not use the card. As a consumer when someone has hacked my card and taking money from me they've refused to protect me as a customer from hackers and give me back the money that was stolen. So I will no longer ever use their service again. I just want my account closed.
Product: Credit reporting, credit repair services, 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.US Dept of Education Account Number XXXX XXXX XXXX Dept of Education Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, Account XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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. 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 or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX - XXXX - {$2300.00} Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit card or prepaid card

open a cfpb dispute in XX/XX/XXXX and now credit card compay is doing every thing they can to retaliate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I realized I needed to replace my car. It was suggested I investigate using some equity in my home to finance the car. I am a Senior Citizen, retired and do not have much banking and loan knowledge. I used the Internet and found many companies offering home equity loans. I clicked on Discover XXXX XXXX trying to find out what the interest rates were. I feel that I was tricked by this company. I entered information that the page requested. I simply wanted to see the interest rates. Discover Home Loans did a Hard Credit Inquiry on me without my permission. Their webpage does not disclose that not only are they doing a hard Credit Inquiry but they take any information request as an Application for credit! Then I got an email from Discover Home Loans saying they were working on " my application '' and I NEVER applied for anything. I also received an application package in the mail. It seems that requesting information to Discover Home Loans is some sort of Contract of Adhesion in their minds. I was shocked when I got an immediate Alert from XXXX. I called XXXX and was told I needed to call Discover Home Loans to get that Hard Credit Inquiry removed. I did that and was treated rudely by 2 different employees of Discover Home Loans and was told they refused to remove the Hard Credit Inquiry. I called them and emailed them and said I NEVER applied for a loan and I was not going to apply. I contacted the XXXX XXXX XXXX and received a response from Discover Home Loans denying my request to remove this Hard Credit Inquiry. XXXX will not allow disputes over Hard Credit Inquiries and has not responded to my complaint with the XXXX XXXX XXXX. Discover Home Loans took advantage of my simply researching rates and now my Credit Score is impacted. I need your help, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this collection to XXXX XXXX  on XXXX, XXXX. They sold this account after payment to SOUTHWEST. I've already mailed payment proof and receipt of payment received from XXXX XXXX  to SOUTHWEST, XXXX, and XXXX. This may represent fraud against me. The collection account still appears in my credit score. I'm in the process of closing on a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, all of my student loan accounts with the US Department of Education have been in forbearance. The forbearance was granted by the US Department of Education Borrowers Defense program. Since XXXX of XXXX, I have been disputing incorrect information reported on these accounts. After each dispute, I would receive a letter stating the account was verified as accurate despite my sending in proof that they were not accurate. They are currently showing that I am in collections and they were not reporting the monthly payments I made on the account from XX/XX/XXXX thru XX/XX/XXXX. I also entered into an income-based repayment plan to satisfy my mortgage lender. The US Department of Education ended up refunding my $ XXXX   monthly payments since the accounts were in forbearance and they were not supposed to collect payments.
Product: Vehicle loan or lease

Santander consumer financed a vehicle for me in XXXX of 2014. For one they didnt ask for paystubs to see if you g I could really afford the car they just gave me a certificate to go to the dealer and pick out the car. I have paid Sandtander almost 15000.00 in interest and still owe them almost everything I owed when I got the car. I was taken advantage of by Santander from day one and they still want another ther XXXX for a car thats only worth XXXX. I want this loan settled and closed and I want my title ASAP! I did receive the letter advising that they owe me money but I want my title also. If they dont fix this situation ASAP they are going to hear from my attorney and I will also report them to my local news station.