23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan company Quicken Loans is trying to auction off my home. They have not allowed me the opportunity to go through mediation as required by Maryland law and they have not reviewed me for ANY programs that may help me save my home. This is an FHA loan and I have been told that there are several programs available on FHA loans to help homeowners who are struggling. I had a hardship and it caused me to fall behind on my loan but I have recovered from this and am working and trying to fix the problem with Quicken Loans. However, they tell me I have to pay them all the late payments at once or they will auction my home. I live here with my wife and XXXX children and I do not want this to happen. 

I bought my home in XXXX and completed an FHA streamline refinance through Quicken Loans in XXXX. In XXXX XXXX my wife was pregnant and she saw a large snake in our house. She was very scared and essentially refused to live in the house because she was scared for the baby and for our other small child. So we had to move out of our home and stay at my mother 's house for XXXX months. I had to pay my mother rent, as well as pay the utilities and mortgage payment on our home. A couple of months later I began falling behind on the mortgage payment. My wife insisted that I hire people to come out and clean out the entire house and treat it with reptile repellent. This was expensive and it took a while to get this done. 

Shortly after I began missing payments I tried to start the review process with Quicken Loans. I was assigned a case manager but I was rarely able to speak with this person, and instead talked to other workers who were not knowledgeable. This went round and round for XXXX months -- I would be told I am now in review with the underwriter, then I find out a couple of months later that the review was not completed because of this or that document and now we need to start over. 

This is not acceptable. We have moved back into our house, so the hardship has passed. I am gainfully employed and can afford a fair mortgage payment. However Quicken Loans has not given me any options other than full reinstatement, which I am not able to do.
Product: Vehicle loan or lease

I paid of my loan with BMO Harris bank on XX/XX/XXXX and the bank proceeded to take another loan payment from our bank account. I called the bank on XX/XX/XXXX once, I found out that another loan payment was being pulled for XXXX dollars. The representative XXXX assured me that the future payments would stop and the funds would not pull from my account. The funds did pull from my account and I valued again and spoke with an XXXX who assured me a check would be sent back in the mail within 24 hours. However, I did not receive the check by XX/XX/XXXX. I called again, now I have hours invested in trying to recover my money. I spoke with a XXXX who assured me he would call me within 24 hours to a resolution to the over payment, Surprise never heard from this representative and now I want my money back with interest and a penalty from BMO Harris Bank. I am not spending any more time with their representatives and having no resolution to this issue.
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX / XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX XXXX XXXX that would justify this inquiry.

This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately.

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely XXXX XXXX
Product: Mortgage

I have requested my PMI be removed on my home. I obtained a BPO appraisal and was appraised to a value that put my LTV at 80 %. The mortgage company rejected my request because now they are saying my LTV has to be less than 75 % because my loan is less than 5 years old. I have searched the laws and I cant find that listed anywhere. This is not the mortgage company I bought my home through. My loan was sold to this company just a few months after closing. I didnt sign up for those terms. I sent a rebuttal letter XXXX and never received a response. I called the mortgage company in XX/XX/2019 and it was under review. I called again around XXXX and was told I was still denied due to the length of the loan and LTV was not less than 75 %. I was told I would be receiving a letter, however I did not receive any letter or follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Account Number XXXX I have an agreement with Midland Collection in the approximate amount {$4400.00}, with an original balance of approximately {$8200.00}. 

I have been asking them to send me something in writing to secure this arrangement for this amount and they refuse to so. I do not feel comfortable paying such a large amount of money over the phone with nothing to secure my settlement or protect the integrity of this negotiation. I have asked them on several occasions for there cooperation and they are just so difficult to work with.
Product: Checking or savings account

On XX/XX/2022 I received a text message from the bank saying I changed my password. I noticed that money was being transferred to XXXX different accounts. I didn't not receive any requests for my pin number to be used which is the normal way of sending money. So I contacted the bank Cash App to let them know immediately. There was XXXX transactions and I filed a dispute. The bank completely a investigation and the results are they are refusing my disbute. I let let the XXXX know that I do not know these people and my tax monies have just been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from TransUnion dated XX/XX/XXXX ( Evidence Attached ). In the letter, a Litigation Support XXXX, XXXX XXXX stated that " We verify all disputed bankruptcies via PACER ( Public Access to Court Electronic Record ) ''. I received a letter from Verisk Financial LCI who obtains and sells " Public Record '' information to TransUnion who acts as a " Furnisher '' for the credit reporting agency. I have not given LCI written permission to obtain or transfer my " Personal Information '' or any alleged bankruptcy record to TransUnion using XXXX or any other source and therefore, this violates section 604 Permissible Purpose 15 U.S.C. 1681b ( a ) ( 2 ) and 602 15 U.S.C. 1681 ( a ) ( 4 ) which states fairness, impartiality, and a respect or the consumers right to privacy. In addition to the letter received by TransUnion, a completed dispute notice dated XX/XX/XXXX file # XXXX certified that TransUnion " Verified '' the bankruptcy record with the " Furnisher '' XXXX XXXX XXXX Florida. However ; this was contested on my original dispute by the XXXX XXXX ( Attached ) who stated that " The court does not report any filings to the credit agencies ''. Pursuant to section 611 ( a ) ( 2 ) 1681i, this disputed item is incomplete, unverifiable and must be deleted. Please be advised that this is not a dispute for " Verification ''. This is a complaint proving " beyond a reasonable doubt '' that TransUnion and LCI has violated several FCRA laws, and that all evidence presented shall be used against them. I have suffered emotional distress as a result of this record being reported to my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter. 
B ) a recorded phone call. 
C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Finance XXXX - Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Card Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4800.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Ad XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX Bank XXXX XXXX - Account # XXXX XXXX - Account # XXXX The above accounts 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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 sent a letter XXXX XXXX XXXX of notifty them that i have an inquiry on my experian credit report that I did not authorize. I also let them know that i didnt give written authorization to pull my credit. This is consider to be identity theft. becuase you willingfully pulled my experian credit report with out my authorization
Product: Credit reporting or other personal consumer reports

XXXX reaches {$120.00} XXXX settlement for misleading student loan borrowers In a detailed report, the bureau argued that XXXX violated the Consumer Financial Protection Act, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Additionally, the CFPB alleges that XXXX misled and harmed student loan borrowers by : Misleading borrowers about income-driven repayment plans Original promissory note was illegally acquired from a bank that had no legal right to assume the role as guarantor of the loan from the Department of Education XXXX 
I was mislead by my college who falsely stated that I had to take out a loan with the Department of Education to pay for my college expenses and negligently omitted that I was awarded a school XXXX from the XXXX XXXX and a scholarship from an outside entity and instead offered a student loan as an only alternative.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XXXX 2013 Account numbers : XXXX ; XXXX :
Product: Debt collection

On Thursday XX/XX/2020 I received a call from my mother in law because she had received several calls from a number looking to locate me and the lady on the phone said she was a processor and is looking for me to service me for a debt I owed but she refused to give her name or company she was with so my mother in law hung up and immediately called me thinking this was my ex husbands mother who I have a 50 year order for protection on my ex husband trying to locate me. I asked for the number the lady called from which was XXXX and I tried calling the number which just rang did not go to a debt collection company so I then thought test my ex husband is trying to find me again and immediately thought me safety was in jeopardy. About two hours later that same number called my work phone twice but I could not answer because I was with a customer and then then called again and I answered and it was the lady that had called my mother in law several times she started saying shes been trying to get in contact with me thats shes a processor and trying to service me and she would have my address verified in two hours and I can call XXXX to discuss the debt and she will call back when my address is verified to come to my home. I immediately called XXXX and a guy name XXXX got on the phone and said that I defrauded Cash Store and I will be taken to court unless I take care of whats owed right now. I explained I never defrauded Cash Store I explained I was paying the loan and I fell into financial difficulties and especially now because of COVID-19 he said well I need to pay something today and how am I surviving if I dont have money to pay the debt I kept saying I dont have any money right now and then he said well see you in court and good luck in court. I then looked at the letter I received from Cash Store just a week prior and it states my debt was sold to XXXX XXXX XXXX XXXX XXXX so then I really started thinking my safety is I. Jeopardy and my ex is looking for me again. The processor lady then called my work number twice and then my cell phone but I was still working so I couldnt answer but then again she called my work number I answer and she said did you talk to XXXX I said yes and explained that the company was extremely rude she giggled and said how so I said well to ask me how I am surviving and cant pay a debt is completely out of pocket she again laughed and said well I will be proceeding with the court action and do I still work for XXXX XXXX XXXX when I said no I have to worry about XXXX XXXX for my children so I am not working she said yea we all know you have a lot of children and then she said shes contacting HR and that she will be to me home in 1-2 hours to serve me. I felt threatened as I have extreme safety concerns from a past XXXX  relationship where the man was sent to prison for many years and I have a 50 year order for protection on him so I immediately told my kids get inside and locked all my doors.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( Experian ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The accounts in question are as follows : XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report.

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports.

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Money transfer, virtual currency, or money service

I was sent a {$1200.00} payment through google pay. When I initially went to google pay it showed the {$1200.00} balance in my account. I was required to verify my bank account by receiving a test deposit. By the time that had been completed my account showed no balance and no transaction history. Ive tried to call and email google. They dont answer calls and dont respond to email. The sender confirms the money was taken out of his account. My money has disappeared into their system and there seems to be no mechanism to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX Past Due Amount : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # 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
Product: Credit reporting or other personal consumer reports

I was shocked to see an unauthorized inquiry on my credit report today, with no explanation for its appearance. I check my report frequently, yet this time discrepancies appeared unexpectedly. I even refreshed my browser to rule out any glitches, but nothing changed. This situation is incredibly frustrating, and I demand that the submitted documents be reviewed promptly to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
-XXXX XXXX XXXX XXXX XXXX$440.00} XXXXXXXX XXXX {$1800.00} XXXX XXXX XXXX {$520.00} XXXXXXXX XXXX {$3400.00} XXXXXXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts . I didn't receive a response from the agencies regarding these accounts.
Product: Debt collection

I get multiple calls form different number daily about debts that are 3-5 years old. I have blocked multiple numbers daily because they keep calling. I have told them to stop contacting me about these debts. The number l get calls form at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and multiple other numbers as well.