23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX - Spousal Loan Application with ex-spouse Ex-spouse student loans ( I pay due to being primary on loan ) XXXX XXXX paper application received XX/XX/2021 for both parties XXXX XXXX Confirmation of receipt received from both parties. 

Numerous inquiries calls - Ex-spouse application not applied to my account Assured process would apply and told to KEEP WAITING. 
Created inquiries, spoke to Mohela supervisors -no information or clear indication why not approved. 

Took 2 years to receive reason for denial on ex-spouse application on a loan I am responsible for. 

My complaint XXXX. The original application does not show how date should be writte. ( The current application does. 
XXXX. A date was indicated and clearly showed the work time line was almost 20 years. 
XXXX. A California state employee representative confirmed and verified the date and also left an email and phone number to verify that my ex-spouse was a state employee, XXXX. 2 years to receive a denial for XXXX with a reason. No expedited recourse just try again- knowing this type of loan is not easy to resubmit. 
XXXX. New application sent with correct date format, and his employers signature again. 
XXXX. I do not want to wait 2 years to receive a response and should not be put back to end of line. 

Both my ex-spouse and I have XXXX years of public service and the handling of this case has been discouraging and financially stressful. 
Since their response I am forced to resume payments on his loan.
Product: Mortgage

Bayview Loan Servicing continue to violate consumer financial protection laws of dual tracking foreclosing on our home while we are in an active workout. Bayview Loan Servicing has started a foreclosure or foreclosure sale in violation of loss mitigation rules. 
Starts a foreclosure or foreclosure sale in violation of the loss mitigation rules. 
Bayview Loan Servicing is actively foreclosing on our home after we have made XXXX payments on time and continue to make payments. The trial modification plan called for us to make XXXX active payments on time. Although Bayview Loan Servicing has failed to provide a permanent modification package until XX/XX/2016, we will continue to make payments. 
On XX/XX/2016, Bayview Loan Servicing claims I stated to an Asset XXXX that I declined the Permanent Loan Modification Documents they sent me. Bayview Loan Servicing stated " On that same day XXXX XXXX spoke with the Asset XXXX and stated that she declined the Loan modification offer. '' 1 ) Firstly, after our second Asset XXXX, XXXX XXXX left Bayview Loan Servicing failed to notify me of who my new Asset XXXX was. 

2 ) The third XXXX XXXX never answers her phone and therefore I always leave multiple messages and she never returns phone calls to discuss the loan. 

3 ) Bayview Loan Servicing continues to harass us and discriminate against us due to our XXXX by blatantly lying and making false accusations to cover up their neglect, unfair practices and. I would like to make this perfectly clear I NEVER DECLINED ANY PERMANENT LOAN MODIFICATION DOCUMENT FROM BAYVIEW LOAN SERVICING ON XX/XX/2016. I did n't receive any documents from Bayview Loan Servicing for a Permanent Modification Documents until approximately XX/XX/2016. Therefore, it would have been impossible for me to have stated to an Asset XXXX at Bayview that I was declining permanent modification documents I DID N'T HAVE. 
Bayview Loan Servicing claims they called us on multiple occasions and we did n't answer. 
1 ) Bayview Loan Servicing NEVER called on the dates they indicated or multiple occasions. 
On multiple occasions I have sent qualified written request to Bayview Loan Servicing, Bayview Loan Servicing has failed to acknowledge my letter. Although Consumer Financial Protection Laws state Bayview Loan Servicing has failed to fix the error within the XXXX to XXXX days ( excluding XXXX, XXXX and XXXX holidays ). Bayview Loan Servicing has also failed to send us the information we requested or investigate and explain why no error occurred or the information was n't available. 
Bayview Loan Servicing has failed to state why they think they did n't make an error, and has failed to explain in writing why. Bayview Loan Servicing has also failed to explain why the information is n't available.
Product: Consumer Loan

Ford Motor Finance established XX/XX/XXXX. In XX/XX/XXXX my account was first reported delinquent due to employment hardship. I worked on trying to catch up payments but as of XX/XX/XXXX the car was repossessed due to unemployment. The economy had been in a down slope. XX/XX/XXXX the repo was sold by Ford at an Auction and by XX/XX/XXXX Ford provided me a mailed copy of the Statement of Sale. XX/XX/XXXX Ford reported the remaining balance as a Charge off to the XXXX major Credit bureaus XXXX, XXXX and XXXX. It was brought to my attention when pulling credit for housing and employment, that a Judgement had been filed against me by Ford. Ford never notified me that a judgment would be filed against me.
Product: Debt collection

On Friday, XX/XX/2016 at my place of employment. A Law Firm which represented themselves as a XXXX XXXX XXXX came to my office and did the following. 

XXXX. A representative, showed up to my job and stated that they had a subpoena to serve me. 
XXXX. Became belligerent and threatened that they would put my business out if I did not show. 
XXXX. Used foul language to the staff and security guard when asked to leave. 
XXXX. Informed, staff, clients and security twice, shouting out in the lobby, the name of the company I owed and how much money I owed. 
XXXX. Left my personal information with my name, address, bank account information visible in a lobby for clients and co- workers to see. 
XXXX. Lied and stated he had a subpoena when in fact that he had a summons. 
XXXX. The summons had no court date and was filed illegally in XXXX XXXX which I do n't even live in. 

The process server, XXXX XXXX whom was sent by the debt collector was asked to leave the property or XXXX XXXX would be called. He stated " I do n't give a XXXX ' who you call. He was also informed by the receptionist that it was illegal to leave the documents out in the open and he stated, " I 'm not getting XXXX '' and left my personal information with my name, address, bank account information in the lobby. In addition, the subpoena that he stated he had was a summons that did not have a court date on it and was not filed in XXXX XXXX in which I lived. I was left embarrassed, my safety compromised and I am not sure who has my information. The long term effects of what he did will haunt and damage me forever. 

He had no right to threaten, use foul language, disclose my personal information or file a summons in XXXX XXXX in which I live. The summons is even questionable as there is no court hearing date listed on the summons. I am in the process of obtaining all witnesses involved as well as the video tape from the day of the incident.
Product: Credit card or prepaid card

I opened a credit card account with USBank ending in XXXX. I was the victim of identity theft last year and consequently have an ACH block on my bank account. USBank was prevented from pulling the funds in XXXX because they changed the previously provided Payee ID and that is how I whitelist ACH payments. This change without notifying me lead to the missed payment and it has made it very difficult to buy a house given this situation and the impact to my credit. 

Not only did they wrongly penalize my score with the bureaus, they also haven't report to the bureaus that I have paid this account in full and it is no longer late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam I was shopping for a mortgage ( first-time home buyer ) and asked two lenders for preapproval and the interest rate. one inquiry was made on XX/XX/2022 and the second on XX/XX/2022. However, these two inquiries did not count as one. I would like this to be resolved. 

Thanks XXXX
Product: Debt collection

I was notified by my credit bureaus that a debt collector ( Sentry Credit ) hit my credit report. Before this, no communication via mail, phone, or email was sent to me regarding any debt owed to XXXX XXXX XXXX. Upon this, I called XXXX XXXX XXXX to inquire, but they told me I would have to communicate through Sentry Credit only. I contacted Sentry Credit and explained that I have email communication with the former manager and employees letting me out of my lease without a charge and when the move out date was. The move out ledger from XXXX XXXX XXXX shows that they charged me rent for days I was not residing there and had already moved out. Furthermore, they neglected to update my mailing address even though this was also communicated to the previous leasing office team last year. Instead of contacting me through phone or email that they have on file, they sent me to collections instead. I am being wrongfully charged for money I do not owe.
Product: Credit reporting or other personal consumer reports

I have unauthorised inquiries on my credit report, these companies do not have permissible purpose for these inquiries. Please remove them ( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX- XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.

XXXX  -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report.

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX XXXX TRANSUNION, I, XXXX XXXX, have written this letter claim that these accounts are falsely listed on my credit report with your bureau. The accounts are fraudulent I did not open these following items/Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Amount : {$12000.00} Account Number XXXX Reported Balance {$12000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : {$490.00} Account Number XXXX Reported Balance {$490.00} Party Owed : I have contacted local authoritys and banks and now request this be removed
Product: Debt collection

I moved into a property and renting a room in XXXX. I signed a release to do a background check on you look for landlord. I moved out in XX/XX/XXXX. The guy that I was renting the room from stayed until XX/XX/XXXX. I get a bill from the landlord stating I owe {$4700.00} for damages and cleaning he sent it to collections and I notify collections that I was not on the lease and I was not responsible for the bill especially not the entire bill. Collections placed it on my credit report with the erroneous information and the entire amount. I want the information my credit report removed and replaced on the correct person credit report
Product: Credit reporting

I requested in multiple letters ( XXXX 2016 and XXXX 2016 ) to Experian to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They have never provide me with the information requested yet noted that the information on my report was verified.
Product: Credit reporting or other personal consumer reports

I decided to check my credit report mid year of XXXX. I noticed an account from CONNs that did not look familiar. I searched Conns and found it to be a furniture store. My main furniture was purchased from an auction in XXXX  including my couches and dining room table. Anything else was purchased used. I tried calling my credit agencies asking about an address XXXX XXXX XXXX XXXX XXXX AZ XXXX as I have never lived here. Ive also never had any mail updated to this address and I do not know anyone that has ever been connected to this address. I was informed to call CONNS fraud dept through XXXX XXXX and received confirmation that my fraud packet was received on XX/XX/XXXXXXXX  and to allow time for review. I provided ALL details including my police report and report # XXXX, Fraud victims with FTC # XXXX, and the Identity theft complaint and affidavit requested by CONNS signed and notarized, drivers license ect. I had not heard from CONNS as advised so I reached out to them on XX/XX/XXXXXXXX  and they responded on XX/XX/XXXXXXXX  explaining that they have sent me a denial letter on XX/XX/XXXXXXXX  which I have not received explaining that the account that was opening in XXXX matched my signature on the documents provided by me, phone, email, and address. This is false. My email XXXX was created in XXXX. Ive lived at XXXX XXXX XXXX XXXX XXXX in XXXX and still do now. My phone # has not changed but still would not be associated with this CONNs account unless CONNS chose to update my information from XXXX to now based on the background check of my name and demographics. I have asked CONNS to provide me with this so called proof that the information from this CONNS agreement matched the information from my back ground check and they informed me that they are only able to provide this information to the police. Before I submit a court complaint, I am requesting someone with minor education to review this account. I need to know all details associated including what was ordered with the {$5000.00} plus dollars used. Did someone pick up the merchandise? Was it delivered? Who signed for it? What was ordered?. If my dispute was declined I will need a lot more than what CONNS fraud department is choosing to provide to me.
Product: Credit card

Settlement offer was given on XXXX XX/XX/2024 to pay off Apsire credit card for lesser than amount for credit card for {$420.00}. I made a payment of {$65.00} on XXXX XX/XX/2024, l spoke to a customer representative for Aspire Credit Card on XXXX XX/XX/2024 saying I would call back on XXXX XX/XX/2024 to do the pay off settlement for {$420.00}, but when I called back on XXXX XX/XX/2024 to Aspire Credit Card Services they gave me the runaround saying they never spoke to me about the pay off settlements! I really feel Aspire Credit Card took the {$65.00} dollar payment on XXXX XX/XX/2024 and screwed me by not doing the settlement payoff!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on a XXXX store card & a XXXX authorize user card. That I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information that is VERIFIED & AUTHORIZED. I as a consumer never verified nor authorized any of the false information being reported. This is a VIOLATION OF MY RIGHTS as a consumer. I also never gave you my written or oral consent to report this false information. Which is causing DAMAGES to my RIGHT to be extended credit. I have NEVER been late on a payment. I demand all payments to be updated to paid on time as I the consumer was never late on a payment.
Product: Debt collection

PORTFOLIO RECOV ASSOC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : Under 15USC 1681b- permissible purpose of consumer reports ( A ) IN GENERAL- Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX NEVER gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer demanding deletion of these accounts. 

XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX & XXXX XXXX
Product: Mortgage

I have been trying to remove my PMI from my account since approximately   XXXX   XXXX   XXXX   .  I have spent many hours on the phone with customer support and every time get different answers. They have canceled my requests. Most recently they told me I could have my own appraisal and after I had submitted it said they no longer accept appraisals. The original problem was they said I could have an appraisal for  XXXX  dollars and then tried to charge me  XXXX . I was guaranteed it would be  XXXX  on the phone many times and then would get a call asking for approval for  XXXX . That is when they canceled my request for PMI removal and said I had to file a new claim.     When I call they say they can not do anything and say they will file a complaint for you. Then no one calls you back and you have to call again and start the whole process over.
Product: Checking or savings account

USAA froze all my accounts on XX/XX/22 without any notice to me. I called several times, but no one could ( or would ) tell me why or give me any information. The only thing they told me is that my account was under review, and the review could only take 3 business days. I was told that the review would terminate and I would have account access on Friday, XX/XX/XXXX. 

Friday came and went, and I still have no account access. I am unable to access my money or pay bills, many of which were due on the 1st of the month when they blocked my accounts. 

I called USAA again, and was told that yes, the accounts should have been released. The rep initiated a request to release my funds, but indicated that would take ANOTHER 3 business days! So now Im looking at more than a week without access to my own money. 

I am desperate need of answers and money, but unfortunately, I have neither.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX Balance : XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My identity was compromise since XXXX I was out of the country for five years upon my return. I find out all my identity was compromised. Multiple account was opened under my name on my credit report. I reported this matter to the law-enforcement agency I received the report from the police department. I also submit a complaint to XXXX FBI I was advised by the quality report advisor from XXXX to generate and submit my report through FTC. Your time is highly appreciated. Please help me with my concern. My credit is all I have. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/2022 but XXXX and TransUnion are reporting I paid on time. 
XXXX Account Number : XXXX 2. These late payments need to be removed because you are reporting me being 30 days late in XX/XX/2022 but XXXX and TransUnion are reporting I paid on time. 
XXXX Account Number : XXXX 3. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account Number : XXXX 4. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Product: Mortgage

To whom this may concern, I was calling and emailing fay servicing while being told the wrong information going back and forth with who is suppose to talk to me between Fay Servicing and XXXX XXXX. I have the emails asking to be told whats going on with my loan as I thought my extension was in process the person handling my files was fired so they didnt know what to tell me as I gave information requested they had the information in que not knowing it was sent in by me. I am asking for XXXX days to get this account sold as I have been left in the dark with no return phone calls or emails. Finally when I was given a XXXX days extension it was too late. As I thought it was already in process. They said I never sent in the forms requested but I did at leasXXXX XXXX  months before.