23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, at the outbreak of XXXX, my wife worked at XXXX XXXX XXXX  in XXXX, XXXX. My wife was forced to take a paycut by the school, and while this was a financial hardship for us, we paid our bills and took on more debt. We were made aware of the Veterans Administration homeowner forbearance program, determined that we were eligible for it, and participated in the program. 

The amount under forbearance was assigned by the VA to BSI Financial Services. 

Working with BSI has been a nightmare. 

1. There was no explanation or warning that the amount would be assigned to a different company than our original mortgage broker, 2. BSI Financial just sent us a letter telling us that we owed them several XXXX dollars, with no introduction or context 3. When I expressed my concerns to them about the settlement BSI had with the CFPB and the issues outlined by the XXXX they were dismissive of my concerns, and told me to " not believe everything I heard on the internet. 
4. I am currently getting a HELOC loan, partly to ensure I do not have to deal with them anymore. They have refused to release my payoff statement.

This company is a nightmare, should not be in business, and definitely should not be contracted by the Veterans Administration to handle VA loans. We have suffered enough.
Product: Money transfer, virtual currency, or money service

I had several transactions that I had problems with and needed a refund for. I tried reaching out to the company and wasnt able to speak with a live agent. They then tried to charge me for the purchase and closed my account. I was never able to speak with a live agent about the transactions. They are still expecting me to pay for the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I purchased a new Vehicle from XXXX XXXX. I was informed by the salesman that I was denied by them " the XXXX Dealership '' but they send customers that don't get approved by them to XXXX XXXX XXXX. They are less strict when it comes to approving clients for Auto loans. So the salesman submitted my application to XXXX XXXX XXXX and I was approved for the Auto Loan and I received my Brand New Vehicle a few weeks later after all the additional options were added. 

After making 6 on time payments I wanted to see the positive affect on my credit report and try to obtain a personal loan or credit card. Well after filling out for a monitoring service I noticed that my score actually Dropped and I was denied because of too many credit inquiries. I noticed a HUGE AMOUNT of unauthorized Credit Inquiries. After hours upon hours of investigating what these inquiries were, I figured out it was the Salesman that took my credit report info without my consent and blasted it off to Multiple different financial institutions that conducted hard pulls on my credit. We only agreed to Submit my Application to XXXX XXXX XXXX. 

This was done without my consent and this is a violation of the Fair Credit Reporting Act. 

I contacted Experian, XXXX and XXXX and I explained to them that these inquiries were unauthorized as I did not fill out any applications with these banks and that my information was submitted to them without my consent from the Auto Salesman from XXXX XXXX where I purchased my vehicle. The only Bank I filled out for was XXXX XXXX XXXX which currently holds the lien against the vehicle. 

All three credit bureaus told me to contact the banks and ask them for a letter of deletion. They cant remove the inquiry. I explained to them that this is a violation of the Fair Credit Reporting Act because it was done without my consent and if they can " POST '' this info they can also " REMOVE '' it. 

I continued to get the run around and was told I need to contact all the banks that pulled my credit. 

Some banks had phone numbers. Some Did not. I contacted the Banks that I could and the best results i received was to contact the credit bureaus because they don't give out letters of deletion! 

I attached a screen shot of my report that shows the Unauthorized Inquiries that I told the Credit Bureaus about. I have circled the ALL the Inquiries that are unauthorized
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CXXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Checking or savings account

I made an insurance claim on damages to my home from a storm. I received a check for {$10000.00} from XXXX XXXX. XXXX banks with XXXX XXXX The check was made out to me ( XXXX XXXX XXXX, but was to be endorsed by me, my mortgage company ( XXXXXXXX XXXX ), and my private adjuster. I never got the check in my mailbox and it was lost in the mail I assume. I later found out that my check was cashed with a BMO Harris bank in XXXX XXXX Florida. I never have banked or have I done any business with BMO Harris Bank in the past. I responded to the bank and talked to a bank manager. The check was not endorsed by required parties, but was cashed. I never authorized this and received no funds. I reported this with a fraud affidavit with XXXX XXXX. BMO Harris bank is not responding to my insurance company or XXXX XXXX. I dont know who got my funds, but I do believe they cashed the check because the party had a BMO Harris checking account. The check was fraudulently cashed in early XXXX of 2023. I made a formal complaint to all parties in XXXX. I have sent numerous emails, spent hours on hold with BMO Harris fraud department and have gotten nothing.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received notification emails from PayPal regarding unusual activity on my account, including an unauthorized transaction of {$1300.00} to a stranger. It's evident someone stole my account and made the transaction. Immediately, I changed my account password and filed a case with the PayPal resolution center. Simultaneously, I connected my bank to reject the payment. However, a few days later, PayPal closed the case, claiming the transaction was not unauthorized. This left my account with a negative balance of {$1300.00}, prompting the collection center to start calling me daily to pay off the debt. I contacted PayPal 's Collection and Resolution center three times. On the first two attempts, they maintained that the transaction was not unauthorized, determined by their risk management model. However, when I inquired whether they had checked if the transaction originated from my usual IP address or device to prove it was not made by me, they could not provide an answer. During my last call, I questioned why I received an initial notification about unusual activity if the transaction was considered normal and authorized. I also highlighted the fact that I had promptly changed my password and opened a case. While the agent promised to resolve the issue, no further action was taken. Despite my efforts, the collection center continued to call me, eventually escalating my account to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

I have disputed with Experian an entry on my credit report for XXXX XXXX XXXX. I have also disputed it with the company, XXXX XXXX XXXX to no resolve. I became aware of the entry when I was denied credit a few months ago. I was not aware of this debt. Since my original dispute, XXXX XXXX XXXX updated on my report that they received the account from XXXX XXXX XXXX. The inaccuracy in my report is that XXXX XXXX XXXX is not reporting the correct 1st Date of Delinquency. My account became delinquent with XXXX XXXX XXXX in XXXX 2010, which means that XXXX XXXX XXXX should be reporting the same delinquency date if they are stating they own the account. I have never paid them anything and just find out they owned the account a few months ago after applying for credit. I have communicated with Experian and XXXX XXXX XXXX with no resolve. XXXX XXXX XXXX continues to say they are researching the information while continuing to report inaccurate information on my report. Experian states that they investigated and verified but neither organization has provided me with anything from the investigation. I submitted correspondence to both. I have enclosed letters that I have sent and a copy of the report I am referring to.
Product: Payday loan, title loan, or personal loan

Original loan was with XXXX. It was sold 14 times. Ended up in collections. Collection company XXXX XXXX. We went to court on XX/XX/XXXX and the case was dismissed WITH PREJUDICE. Account was beyond statute of limitations. *See attached. In XX/XX/XXXX I began receiving phone calls and letters from Dynamic Recover Solutions attempting to collect this debt. I've ignored phone calls. XX/XX/XXXX I received a letter *attached. I told them the debt was dismissed and they wanted proof. After providing a copy of said dismissal, they sent me to XXXX XXXX XXXX, who in turn reiterated I was to begin making payment arrangements. I refused to speak with a representative from their company. How do I make this stop, as it is causing high anxiety and health issues.
Product: Checking or savings account

On XX/XX/year>, I discovered unauthorized transactions totaling {$640.00} on my Upgrade account. Upgrade Bank previously called me in XXXX and XXXX about fraud, but I didnt receive their voicemails until XX/XX/year> when my phone was fixed. My phone was broken, and I was unable to access my voicemailsonly incoming calls worked. The fraudulent transactions were small, and since I rarely use this card, I did not immediately notice them. 

Upon discovering the issue, I called Upgrade Bank immediately and filed a fraud claim. Despite my card being in my possession and the transactions being made online ( where a chip isnt used ), Upgrade denied my claim, stating that my security code and address matched. However, I have not lived at that address since XXXX. I called multiple times to update my address, and Upgrade required me to send documentssuch as bank statementsto verify my new address. Yet, despite this, my new card was still sent to my old address, putting me at further risk of fraud.

I requested a written explanation for the denial, proof of their fraud alert calls, and confirmation of a provisional credit, but Upgrade has not provided any of this information. A supervisor told me that a new dispute and provisional credit request were submitted, but I have received no confirmation.

Upgrade Bank is delaying my case and refusing to return my funds. I am requesting an immediate resolution and my {$640.00} refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim this account is not mine XXXX Opened XX/XX/2019 {$350.00} Original creditor : XXXX XXXX XXXX i have free cable through my moms work
Product: Credit reporting or other personal consumer reports

I have talked to them on different occasions for a long time on the phone. They ask me for all of my information so I went and got every single thing that they wanted. I told him I could email it to them or message it to them they would not accept that they wanted me to get everything certified put it in a packet and send it to them. That is not my job. I thought their job was to tell me about my credit most everything they have on there is wrong or outdated. XXXX XXXX XXXX XXXX and they have my Credit at XXXX years of credit.
Product: Prepaid card

I received a gift card for {$500.00}, for a baby gift. I tried multiple times to use the card with no success. I then tried multiple times to use the card after calling the XXXX XXXX XXXX  customer service number on the back, to get the card activated. After multiple activations over the course of several months, the card still does not work. 

Customer Service asked that I send personal identifying information, to confirm my identity, XXXX  times. Customer Service provided a fax number and mailing address. I sent XXXX faxes and XXXX letters with the requested details, following up each time as instructed and confirming both the fax and mailing addresses. Customer service said I needed to increase the size of my submissions by 200 %, mind you, a driver 's license was submitted in the EXACT same size it is issued, which is meant to be legible, and accepted ANYWHERE in the United States. XXXX does not ask me to increase the size by 200 %, neither does any other public or private agency in the XXXX That said, I obliged and increased the size accordingly, to which Customer Service indicated they never received. Again, I confirmed I had the correct fax and/or mailing address. 

Most recently, I was told to resubmit my info for the fifth time, to the same fax and mailing addresses ; further, that there was no other way to resolve if I can not read the expiry and CVV. I've had this gift card for so many years that both the expiry and CVV are worn off making it impossible to read and/or register my card on their site.
Product: Debt collection

I was not aware that an outstanding debt existed until I received a notice from XXXX   indicating a negative item was placed on my credit report from an agency by the name of Collection Bureau of Hudson Valley from XXXX New York. 
It appears the alleged debt originated from a XXXX I had performed at XXXX Hospital in New York back on XX/XX/2017. According to the collection agency they represent XXXX XXXX XXXX, XXXX. 
This negative item on my credit report truly surprised me as I never received any invoices from XXXX XXXX XXXX XXXX and I have never received a validation notice or any type of correspondence from Collection Bureau of Hudson. 
it should be noted that I moved from previous address in XXXX, NY in XX/XX/2017 ( after  the XXXX took place ) to my current address in XXXX, NY. I filed forwarding addresses orders with the US Postal Service and my mail has been sent to my new address accordingly. It should also be noted that at the time of my XXXX I was fully covered by XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent, authorize nor benefit from any of the following inquiries. Please Block and remove the followings inquiries from each bureau : 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 or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Debt collection

After years of using XXXX, I received a letter from XXXX on XX/XX/XXXX that stated : " During a recent review of customer accounts, we discovered you were using a significant amount of data while roaming off the XXXX XXXX XXXX. 

While we appreciate you choosing XXXX, after XX/XX/XXXX, we will no longer offer service for the numbers listed above since your primary place of use is outside the XXXX service area. 

We encourage you to evaluate your wireless provider options and switch your service on these lines to another provider before XX/XX/XXXX. After your XXXX is discontinued on XX/XX/XXXX, you will no longer be able to transfer your phone number to a different provider. '' I switched providers on XX/XX/XXXX. Having to start over was very costly as the new provider did not support any of the devices we were using with XXXX. The letter also go on to state that outstanding balances will be waived no later than XX/XX/XXXX. 

I called XXXX when I first recieved this letter to clarify that, yes, they were indeed disconnecting our service, despite the facts that we were long term customers and current on our accounts with them. 

I received another bill from them after I switched to a new provider. I called them again and clarified that balances would be waived. I believed my accounts with them had been settled and closed. 

I reviewed my credit report and I now have an account in collections from XXXX opened on XX/XX/XXXX for the amount of {$240.00}. I do not believe that this is valid. I have already disputed it with the collection agency, Jefferson Capital System. This was their response, " Account information disputed by consumer, meets FCRA requirements. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue at had is with my current mortgage company Loan Care. 

I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, Loan care offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. 

I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. 

At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. 

I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. 

My account was being reported current up until XX/XX/XXXX. On XX/XX/XXXX my account was reported 180 days delinquent, a past due balance of XXXX and a statement that I'm in a repayment modification process. Because of this reporting my credit has dropped more than 77 points which cause a huge impact to my credit ratings. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. 

I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. 

I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. 

After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. 

I will attach a copy of the email I sent to them also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently XXXX and XXXX  has had a breech where thousands of consumers information got into the hands of others. I have been a victim of identity theft provides police report. Contacted Business to show proof I gave permission for them to pull my credit and still no response. I need these items removed from my credit immediately or either show proof that I requested. I did not authorize anyone to pull my credit.
Product: Debt collection

I have never had a relationship with this company but came across a post on XXXX that greatly disturbed me. The VP of XXXX made an incredibly disparaging remark about XXXX XXXX ( XXXX ) in a public forum, where he compared her to the XXXX " character '' that was proven a hoax. 

Given the platform that XXXX in regulating financial entities, this seems not only irresponsible but completely inappropriate. As a VP of XXXX, I would expect him to comport himself with a completely different level of decorum. One could assume that his commitment to compliance may be questionable if he is so openly vocal and disrespectful to the members of congress who set those rules and regulations.