23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is against paramount equity at XXXX XXXX XXXX XXXX, california, first they told me that my husband and I were approved, and that we should hurry to fix our upstairs bedroom, so my husband and son bought the supplies, charged it on our credit card to hurry and finish the room so the assessor could take a look at the house, then had to fix all the thing that they needed done. So we hurried to get that done. Hurry hurry to get it done. Then they needed all kinds of paper work, one of the workers said they needed one years worth of my checking with my account number on it which I thought was odd. It was to prove that I was getting XXXX. They said everything was good, then everything stop. They said they could n't find our car loan on the credit report, and kept checking our credit report, they said our car loan was not showing up. Is it going to show in a couple of days. Then they lied to us : stating that we were going to get XXXX when we signed. Then they said we did not have enough debt ratio, so they said we had to pay off our credit card and we were going to get only get XXXX dollars equity off our house. What the XXXX are they doing. Who are they to tell us what to pay? With the equity in our house. We also had to pay XXXX for the appraisal by the way and put that on our credit card. And what they did n't realize is we put over XXXX on our credit because of them. Then when I questioned all the charges they had made they gave me all kinds of explanation of what it was for. When I questioned a credit union in my home town the charges came up to XXXX. So I just did not get all the charges they had down. One more thing is that they contacted our insurance agent and told her to put my home owner insurance to send it to them. When the papers were not even close to being signed. Now I owe my insurance 2 months worth of payments to catch up on now. So I 'm writing this to see if they could get checked out. That thier on the up an up. And I would like to get reimburse for the appraisal money. I guess I ca n't use it anywhere else. After all it 's because they lied a lot on what was going on. Thank You XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXXXXXX XXXX  I was informed by XXXX XXXX XXXXXXXX that Mr. Cooper had rejected my payment " due to : Incorrect biller account. ". I contacted Mr. Cooper at XXXX on XX/XX/XXXX and when prompted by the IVR about why I was calling asked " why did my payment not post ''. The IVR took me to a payments menu, and when none of the options matched my inquiry, I was only given the option to return to the main menu. I posed my inquiry to the IVR multiple times over the 8 minute call, but each time was never given an explanation why my payment did not post or the option to speak to someone. A recording of a portion of my experience is attached. 

The account number for this bill payment that I specified with XXXX XXXXXXXX XXXX was XXXX and payment was sent to the address on my service transfer notice.
Product: Credit reporting or other personal consumer reports

There are 3 addresses showing on my credit report. I currently live at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. I have not lived at the other addresses XXXX XXXX XXXX XXXX, XXXX XXXX, MI or XXXX XXXX, GA XXXX in over 15-20 years and these addresses need to be removed from my report. In addition there's an account that has been closed for 8 years and still showing on my report ( XXXX ). The balance is zero and it's paid in full. I would like to have this removed as well. I voluntarily closed my acct ( XXXX ) and left it with a zero balance. Is it possible for me to have this removed as well?
Product: Money transfer, virtual currency, or money service

They said i purchased XXXX for XXXX from PayPal. I denied this transaction and told them I never purchased from them. 
I tried calling several numbers but they were all the same man. He wanted me to download XXXX from XXXX XXXX. I refuse to download anything Im not sure about. 
He told me any number I call, he will answer. This made me very suspicious of him.
Product: Checking or savings account

XX/XX/XXXX released a lein but Marcus wouldnt let me collect my interest and took {$20000.00}
Product: Debt collection

Equifax is reporting a collection account for an account that does not belong to me. Equifax has exposed my credit file years ago and I have been experiencing identity theft ever since the company has been reckless with my credit information. Now Equifax continues to report fraudulent accounts such as XXXX XXXX XXXX. Equifax is reporting first date of delinquency as being XX/XX/XXXX for an account that was never opened in my name. I have requested debt validation letter from Equifax by certified mail on XX/XX/XXXX ; XXXX and Equifax never responded. Equifax has ruined my credit by allowing fraudsters access to my credit file and now they are refusing to take responsibility and remove an account that does not belong to me. There is only one collection account on my credit report and this is because I pay all of my bills on time. Equifax is reporting an account that does not belong to me and has been added fraudulently and XXXX XXXX XXXX need to be removed. The amount is for {$170.00} and Equifax is reporting this as a collection account without verifying the account belongs to me after I have provided proof I had insurance with another carrieXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent Equifax multiple notices regarding the false information that is reporting on my consumer report. They have sent me a response that the accounts have been verified by the creditors as accurate, however Federal Law states that isn't the lawful way to verify that an account is accurate. Additionally, the XXXX states that a payment should not be deemed as late for any reason. Equifax has taken on this grave responsibility themselves to ensure that all accounts that are being furnished, not only have my consent to be furnished but also the accounts must be furnished with 100 % accuracy! Today I spoke with XXXX, an Equifax supervisor in the fraud department, and he stated to me that Equifax has the right to furnish and report my private information even after I have demanded that they remove the errors and/or the entire account He stated that he could not remove any of the fraudulent reporting and that they could only open a dispute ticket. I declined and demanded that the accounts be deleted from my consumer report because i no longer trust Equifax as TRUSTEE to operate in my best interest in a lawful manner. My right to privacy is being violated and I wont allow Equifax to act in a way that they are exempt from federal law. Pursuant to 15 USC 1681a # 3, 15 USC 1681a # 4 you don't have my consent to report ANYTHING on my consumer report, and you've been unfair an impartial to me the consumer. You have never had permissable purpose under 15 USC 1681b # 2. And due to the recent events with Equifax sending fake scores to lenders I have been damaged and choose to no longer allow Equifax to furnish or report any accounts in my name. 15 USC 6821 Privacy Protection for customers state that consumer information may not be obtained under false pretenses. Now I am demanding redress for the damages and I demand that all of my credits be returned back to me and/or my XXXX account. XXXX out the books and provide me with a bill of particulars for anyone who is making money off of my name.
Product: Credit card or prepaid card

Capital Ones partnership with Walmart for their credit card is a disaster. I applied on XX/XX/19. It said it needed more information to complete my application. Ive called repeatedly and nobody knows what that information is. I was told Id receive a letter 7-10 days after I applied but today the representative told me a letter was never sent and could not give me any timeframe for review, only saying it is processing. This is unacceptable to just string customers along like this. Ive offered pay stubs, utilities bill, my drivers license. They tell me they dont know that they need yet. Capital One/Walmart need to process applications in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX Credit Report Agency sent an alert " someone requested access to your XXXX credit report, the requester has been identified as : SYNCB/PAYPAL XXXX XXXX XXXX XXXX, MD XXXX ''
Product: Credit reporting or other personal consumer reports

My information was marketed and sold to unknown individuals or entities during XXXX data breach. I was in confinement in jail from XXXX XXXX to XXXX XXXX. I have not applied for anything but 1 card since my release and there are several cards and items reporting on my credit.Several items on my credit report were fraudulently obtained by another person and I am attaching proof that XXXX acknowledges that I was a victim of their data breach. I have disputed items several times and XXXX has done nothing to help me. Please assist in deleting these negatives, inquiries and illegal items from my credit report please. I will attach the proof that XXXX has admitted that I was a victim of this data breach bye allowing me to submit a claim during there recent lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a private institutional loan from XXXX XXXX  called a XXXX XXXX loan in the XXXX  of XXXX XX/XX/XXXX. The amount was {$10000.00}. I filed for bankruptcy and it was discharged on XX/XX/XXXX. This debt was included in the discharge. It is not a federally backed student loan. They continue to report this debt to the credit bureaus. I am attempting to buy a house and use a down payment assistance program. The account continues to show in collections and they will not remove it. I have contacted XXXX and the collection agency they sold the debt to, XXXX. This is the response that I get from XXXX The consensus that Ive found concerning your loan is that it is not dischargeable. It is covered under 11 US Code, section 523 ( a ) ( 8 ) ( B ). So, I will not be able to write a letter to your bank about any change in the loans status. If you have any questions, please let me know.
Product: Checking or savings account

On XXXX XXXX XXXX I mistakenly sent {$600.00} through XXXX  at XXXX XXXX  to the wrong recipient. Due to my visual impairment and that the wrong recipient was next to the correct one, I clicked the number next to the intended one. This amount, which was meant to cover a portion of my room and board for the month, is significant to me as I am XXXX, and have low-income. After realizing the error, I contacted XXXX XXXX They opened the claim but never contacted me to inform me that they were unable to help, I texted the recipient of the XXXX ( {$600.00} ) and the recipient responded that she wanted to return the funds. We subsequently participated in a three-way call with a representative from XXXX XXXX XXXXXXXX ( the recipients bank ). During this call, I was informed that my transferred funds had been automatically applied to cover the recipients negative balance of accrued fees, preventing any refund to my account. I contacted XXXX  directly and was told to contact my bank and that they were not responsible. Despite my repeated efforts to resolve this with XXXX customer service team, and with XXXX XXXX XXXXXXXX as well, no action has been taken to reimburse me. I wrote letters to the president, the CEO and XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXXXXXX. I was advised by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this issue needed to originate at XXXX XXXX The matter remains unresolved. Each institution tells me they are not responsible and that I should contact the other institution. Given the nature of this transaction, I respectfully request your assistance in ensuring the return of these funds. Since my XXXX transaction had a memo that stated it was for XXXX & XXXX XX/XX/XXXX of XXXX ( my partial room and board payment ) and the recipient of the transaction is willing, the funds should be returned to me.
Product: Debt collection

American Accounts & Advisors resources , Inc. is reporting unverified medical information to Credit reporting agencies in the amount of {$52.00}. I initially contacted American Accounts, in writing ( see Attachment # 1 ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 

American Accounts responded to my request for a signature bearing document with a letter ( See attachment # 2/3 ) stating the debt was verified and it belonged to me. None of the information provided by American Accounts bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 4 ) to request a signature bearing document as proof of this debt but never received a response. 

Both XXXX and XXXX have investigated this account, deemed the information unverified and invalid, and have subsequently removed this account from my credit report. Yet American Accounts continues to report this unverified debt to XXXX in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I also reached out to American Accounts by phone and left a message for XXXX XXXX and have yet to receive a response. I am trying to purchase a home and this item is negatively affecting my credit report. American Accounts ' policies and actions are highly predatory and violate the FCRA and HIPAA and should be investigated. I have made attempts to resolve the matter and have been met with staunch opposition which is the reason I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding multiple hard inquiries on my credit reports that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries are only permissible with my explicit consent. As these inquiries were made without my authorization, I am requesting that they be removed immediately from my credit reports. 

Below is a list of unauthorized inquiries : XXXX XXXX  : XX/XX/year> ( TransUnion, XXXX ) XXXX : XX/XX/year> ( TransUnion, XXXX ) XXXX XXXX : XX/XX/year> ( TransUnion ) XXXX : XX/XX/year> ( TransUnion ) XXXX : XX/XX/year> ( TransUnion ) XXXX : XX/XX/year> ( TransUnion ) XXXX XXXX : XX/XX/year> ( TransUnion ) XXXX XXXX XXXX XXXX  : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX XXXX XXXX : XX/XX/year> ( XXXX ) XXXX XXXX XXXX : XX/XX/year> ( XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/year> ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : XX/XX/year> ( XXXX ) To support my claim XXXX I have attached the following documents : Government-issued photo identification ( driver 's license or passport ) Social Security card copy Recent utility bill as proof of address An affidavit stating my non-authorization of these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a reinvestigation of the accounts listed below because the information is not accurate. These accounts are inaccurate because they are closed, but showing open every month. In Accordance With ( IAW ) the Fair Credit Reporting Act I am disputing the accuracy of my these account. The accounts listed below have been deleted from my TransUnion Credit Reporting Account : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX. I want them deleted from my XXXX and XXXX XXXX XXXX as well because I know that All of my Credit Reports are suppose to be identical, they are Inaccurate, and it has damaged my credit. IAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. IAW the Fair Credit Reporting Act, these accounts are in violation of my rights, and I need them removed from my credit reports as they should have been via the Automated Reinvestigation System to All of the credit bureaus upon deletion from my TransUnion Credit Report. 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C. 1681s2 ( 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. All of the accounts listed above are inaccurate on my Credit Reports.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of    XXXX   2014   ,    XXXX   2014    90 days past due as of    XXXX   2014    60 days past due as of  XXXX   2014 ,   XXXX    2014  30 days past due as of  XXXX   2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an  a CCB/PayPal account 7 years ago. I canceled my account 7 years ago. CCB/Pa yPal continues to request my credit report from  XXXX , and  XXXX . Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.
Product: Credit reporting or other personal consumer reports

This Morning i woke up to a Hard inquiry from Capital one bank. I never applied for any forms of credit so Im not sure why there would be a hard inquiry on my account. Also i havent applied for any forms of credit because i been trying to clean and repair my credit. I called capital one as well as XXXX to report this issue.
Product: Mortgage

I am a handyman and work for myself. I fell behind on my mortgage during the XXXX pandemic due to a decrease in income as people were not hiring contractors to come into their homes. I requested a modification and sent in my information. I use my personal bank account for work. I received a denial stating that my income was below {$1500.00} a month and that I did not have the income to support the loan. I then appealed as my income is in excess of $ XXXX  monthly. I then called my lender to check on my appeal and I was told that my loan was no longer eligible for review. I was told I am unable to appeal the denial decision which is inaccurate. I do not think this is fair. I was under the impression that lenders were not supposed to put you into foreclosure if you had a XXXX hardship. I am in foreclosure now and my lender will not listen to me even when I send in proof they calculated the incorrect income. I would like a fair review with the correct income.
Product: Credit card or prepaid card

On XXXX XXXX I purchased the listed items from XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, New York XXXX. The salesperson named XXXX XXXX misrepresented/lied and told me my XXXX XXXX XXXX credit card account was closed which is/was not. The salesperson then made me open another retail credit card account with Fortiva Credit Services to finance/pay for the XXXX  mattress and XXXX chair that I selected off XXXXXXXX XXXX XXXX The salesperson used deceptive sales practices on me for reasons I do not know. I made several attempts to contact Fortiva/XXXX  XXXX XXXX that the minimum payment that I am now required to pay which is XXXX XXXX  monthly is too much for me to pay. The salesperson on the day of the purchase could not even give a correct minimum payment amount that I would be required to pay monthly. 
I am asking is there any way your institution can remedy this deceptive and fraudulent sales practice this was done to me by this sales representative at XXXX. I am asking can the monthly minimum payment that I pay be reduced back to {$55.00} a month which was the monthly minimum payment I paid on my XXXX XXXX retail credit card account for previous furniture I purchased from XXXX. If this first remedy can not be met, can I exchange the furniture pieces that I currently have for something at a lower monthly minimum payment price around {$55.00} to {$60.00} dollars a month. As you are aware these past XXXX years beginning in XXXX  to the present the worldwide XXXX pandemic has put a stress on my finances. Please consider theses factors if you are to XXXX me help in finding an acceptable remedy in dealing with this current situation, I am facing in making monthly payments to Fortiva that I can not afford. 
A copy of a statement similarly to this has been sent to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) and Fortiva Retail Credit XXXX XXXX.
Product: Debt collection

Diversified consultants called me a week ago and we agreed that XXXX dollars would come out of my checking acct on the XXXX of XXXX and the rest in the middle of XXXX Then that same agent called today the XXXX saying that he would like to " set it up '' for XXXX XXXX and i said ok.. then i gave him my debit card info and he said it would do it and give me a reference number. he did say he would do it " now ''. of course since we were just talking about having it come out on the XXXX, it was understood that he was setting up the transaction for the XXXX then he comes back on the phone to say that he already took it out of my acct. I was furious.. that is NOT what we agreeed. so I asked for his supervisor. then XXXX, his supervisor gets on the phone and says it was a miscommunication, that is all and agrees to reverse it but it will take several days.. so now i will have checks bouncing due to the fact that money is coming out of my acct unplanned. when other items i planned for are being taken out. Diversitied Consultants lied to me and caused me undue hardship. they can not be trusted.. I have many times made arrangements with other creditors like this, taking out funds on a future date. I have never trouble like this before.
Product: Credit reporting or other personal consumer reports

they flat out ( i sent proof ) refused my US Postal mail twice. keep making me send the same proof of info over and over