23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

About 8 months ago, I filed a complaint about this company and my serious concerns that they have no competence related to protecting my personal information. I included 2 separate issues in that complaint - they addressed 1, but did not address the other, so I am having to file this complaint again. 

They have not sent me my 1098 in the mail. I have not been able to set up an online account, so I can not access the information online and now have to file for an extension to file my taxes. 

When I try to create an online account, it confirms my user-id, however it does not allow me to create a password - even with the temporary password they email me. It goes into a loop of repeatedly showing the same error message despite the new passwords they send via email. Their customer service is a nightmare to deal with and no one knows why this is happening or how to fix it. The calls run for a long time, the agents pass the buck to one another, but the problem is not resolved. 

Also, my property taxes are now due and they are to pay them out of my escrow account. I am worried that they may fail to make the payment as due. 

I would like to repeat what I had said previously - a company with such bad technology puts users at a huge risk of identity theft. I would like to request as strongly as I possibly can that they be investigated. They do not have the credibility to be a mortgage company.
Product: Credit card or prepaid card

- I use credit reporting services including XXXX, XXXX XXXX and XXXX, all of which reported on XX/XX/XXXX that the company had closed my account. 

- I never received ANY notification or email or mail about this from the company/bank itself. 

- I have never been late on any payments on the {$6000.00} limit XXXX  visa credit card issued by Comenity Bank, and my credit utilization has never been above 12 %. 

- I had a credit inquiry by XXXX just before the comenity credit card was closed. 

- Upon calling the customer service, they first told me they'd refer me to the XXXX XXXX agency that informed them of the change in my credit report when I asked them the reason for my account closure. I asked them if the reporting agency made the decision on closing the account, and they simply hung up. 

- I called back a second time, and this time they transferred me to a phone line for a different company altogether. 

- This company is predatory in its promotional practices and entices users with rewards programs, while not providing any necessary communication or explanations for their outsourced customer service which doesn't seem to have anything beyond XXXX lines of script.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/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: Debt collection

First off, this is a predatory lender offering quasi-payday loans. 

It has lied in its response to CFPB : " Let 's start from the beginning, borrower has not responded to a single call or email EVER. '' You never responded to my e-mails about Alabama usury law. Company only kept trying to debit a closed bank account, causing NSFs. 

" A loan was taken out in the amount of {$2000.00}, fully explained the rate and terms. '' A bald-faced lie! This was a bait and switch process. Terms only divulged when the loan was finalized. 

" Under Alabama Law, only loans under {$2000.00} are covered by usury. Our Alabama license allows Argon to charge the rate we choose depending on borrowers credit. '' I have a Phd in law. Please reread the law -- up to {$2000.00}. Of course, scammers know best. 

" Adding up all the payments borrower has made equals {$1900.00}, less than the initial balance. she has {$75.00} in unpaid NSF, and {$120.00} in unpaid late fees. '' Bald-faced liar, again. The principal of the loan has been paid. 

" Not sure how she believes this is paid off, even if we were to give her an 8 % rate she would owe more than {$2000.00}. '' What kind of interest rates are you offering? Usury and predatory interest rates. 


" Borrower HAS to contact us by EMAIL to resolve this, as the complaints to CFPB are not the solution. We have no problem working with borrower, we just need to talk to her. '' Consumer has engaged an attorney and will have my attorney contact you. What about violation of FCRA? There is definitely a violation?
Product: Credit reporting or other personal consumer reports

Please be advised. I have disputed and requested the correction of my personal information numerous times over the past 2 years and each time even more inaccurate information is listed. There are several Non Mailable Address and Several No Contact phone numbers that do not belong to me. There are Employers that are not accurate. 

The following needs to happen. 1 Name with id number 1 current address, no email address. 1 phone number. 

Again I have asked for this several times. it is taken off and then put back on again. I need this correction to be permanent moving forward.
Product: Mortgage

Ally home loans bait and switched my mortgage application. 

When I applied for pre-approval the loan officer 'locked me in ' at 3.99 % for my mortgage. 

After I paid the {$550.00} appraisal, and was weeks into the contract with the buyer, they discover that I don't qualify for the Jumbo loan due to credit depth, and switched my rate to a new loan at 4.375 %. They had accurate information before at the time I applied for the pre-approval, but waited until I was desperate to close to switch the rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to XXXX a debt collector working on the behalf of XXXX XXXX XXXX on XX/XX/2021 for the amount of XXXX to settle my balance, I've received notification from EXPERIAN that they verified the information as being accurate on my credit report as that the amount was not updated and they refuse to acknowledge the settlement as if I paid and it went nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize hard inquiry on my report.
Product: Debt collection

I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that XXXX XXXX XXXX XXXX XXXX provide me with VALIDATION of the account they have listed under my social security number acct # XXXX that they are reporting to the XXXX major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I request such VALIDATION of the debt. Also to certify that the debt was incurred legally during the period it may have been payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit. They have failed me and only provided me with an invoice bearing no evidence that this debt belongs to me. They have also stated that they have disputed this account and will not dispute it any further and no further response will be forthcoming from their office they consider this dispute closed.Thank you in advance for your assistance in getting this account deleted since they have failed to provide me with validation in a timely manner per the FDCPA laws.
Product: Debt collection

I sent a letter to Calvary Portfolio Services on XX/XX/XXXX to validate Debt on my credit report for {$8600.00}. I asked for evidence that they have a validated Debt. All they keep sending is a letter that states they have done an investigation and the amount and Debt is validated. I sent another letter on XX/XX/XXXX and another on XX/XX/XXXX. All have been sent by certified mail with still no evidence that shows the Debt is validated from an investigation. I received another letter today saying it is validated. I am writing another letter to them today and will attach the last 2 letters I have written and what the response has been from them. They have violated my rights under the FDCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a proper re-investigation of the following accounts that have been reported back to my credit profile as verified. XXXX XXXX, XXXX, and XXXX. There are STILL accounts that are closed but open on another reporting agency. There are STILL accounts with 100 % payment history that have been confirmed to be true in favor of the collection company. My FCRA rights as a U.S citizen are STILL being blatantly violated and I am requesting that you do due diligence this time around. There was NO real investigation done, only a half-done one in which the reporting agency sided with the collector because of their business transactions I am assuming. Attached to my documents are excerpts from the FCRA bill that explains how and why I am entitled to a fair investigation and why items should be removed if they are not properly investigated and found to be 100 % accurate. 


[ 15 U.S.C. 1681 ] states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; [ 15 U.S.C. 1681 ] states Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULENT TO MY CREDIT REPORT. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

Looking at my credit report there is account # XXXX from DRS reporting. I informed them that this account was written off through charity care and submitted all supporting documentation to them. They told me the account was taken out of their system and closed. They also said they submitted a request to the credit bureaus to have account removed but its still reporting on my credit damaging my ability to do anything with my credit.
Product: Credit reporting or other personal consumer reports

I disputed accounts with your EXPERIAN through the CFPB on XX/XX/year> and XX/XX/year>. I recently reviewed my consumer report with EXERIAN after filing CFPB complaint number : XXXX and noticed that the disputes were completed. It has come to my attention that one of the inaccurate accounts that were disputed, EXPERIAN, decided to leave unchanged allowing the inaccuracies to persist on the account and the other account was updated but still remains inaccurate as seen after reviewing the before and after results regarding this disputed account via EXPERIANS website. EXPERIANis in direct violation of the Fair Credit Reporting Act because EXPERIANoverlooked and accepted the errors that were initially pointed out in the supporting documents that had been provided twice. I have reason to believe that EXPERIAN did not consider all relevant information pursuant to 15 USC 1681i ( 4 ) ( 4 ) consideration of consumer information in conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. Consumer reporting agencies are expected to ensure maximum possible accuracy of the report to whom it relates per 15 USC 1681e ( b ). EXPERIAN did not. This issue directly violates 15 USC 1681 ( a ) ( 1 ) because EXPERIAN did not ensure fairness and accuracy by leaving an inaccurate account unchanged per its results stated as remains ' and it therefore directly impairs the efficiency of the banking system and undermines public confidence. EXPERIAN has also failed to deliver a written notice of the reinvestigation results regarding this dispute within 5 days to me by mail per 15 USC 1681i ( 6 ) which is violation of the FCRA. EXPERIANs violations of the Fair Credit Reporting Act so far : 15 USC 1681e ( b ) Accuracy of report, 15 USC 1681 ( a ) ( 1 ) Accuracy and fairness of credit reporting,15 USC 1681i ( 4 ) Consideration of consumer information, and 15 USC 1681i ( 6 ) ( A ) ( B ) Contents. These issues are damaging my reputation, the integrity of my consumer report, and becoming an inconvenience to the precious time that I have as I live.
Product: Debt collection

I bought I saxophone, last year XXXX. Sort time after I called the company who sold telling them the sax had a defect, the woodwind brass said the only thing they could do is a claim, the guy that helped me said I had to wait for a resolution, sort after I received a another sax I called right way and asked since they sad that one, I would rather get a a better one a pay the difference, they never really asked me to return the item, I looked online and my account t was not saying tor return the broken one, I return the second one they send without open, and purshase a brand new one better, after almost 6 months I was looking at my emails and they were saying that was brought to their attention that I never return the saxophone, i have returned the one they asked me, the broken one they never send me any message saying that I should return, they send me email saying that I should pack and send to them they will send me a label, I told them I did not had any box or anything, I asked several time to send me a prepaid box so I can send back, they never did, now I have a debt collector calling me, first when they send the second saxophone because they never asked me to send the broken one I thought I was suppose to trow away because was not working. 
Anyway the company never asked me to send anything back, and after almost 6 month they want me to return The status under my order says returned
Product: Mortgage

In XXXX Fifth Third asked for our condo insurance as XXXX XXXX XXXX. 

XXXX from XXXX XXXX sent it to Fifth Third ( confirmation number XXXX ) while I was on a conference call with a Fifth Third representative ( XXXX ) and XXXX. This was XX/XX/XXXX XXXX sent it ... .never made it into Fifth Third system .... my monthly dues went up as they XXXX an insurance by themselves and put it in my escrow ... ..even though I kept on making payments monthly it never got applied to my account as my payment was for previous amount. 

I subsequently called XXXX got the doc myself and mailed it to them at the email address XXXX Talked to Escrow department of Fifth Third 0n XX/XX/XXXX around XXXX PST as by that time they already dinged my credit file with a late entry. 
Escrow confirmed that insurance is cancelled - will take 7 to 10 business days for that to post to the account. 

In parallel they kept on returning my payments to me in check as it was not matching the current dues - all this while they knew that the above has happened. They finally settled this in early XXXX and their credit department dinged my credit by saying I was late ... ..as they did not accept my payments for my regular amount {$2600.00}. 

Please note ... that they confirmed on XX/XX/XXXX that they have cancelled the insurance on their side since they got the necessary document and yet they still dinged my credit file for XX/XX/XXXX as being late when the escrow agent clearly guided me that the additional payment showing due for me will get cleared as they remove the insurance they had put in escrow from my account. 

I asked for an investigation into those late payments entry in my credit file to Fifth Third and the answer came back as a one page canned letter saying they did not do anything wrong. 

The late thing resulted as they did not accept my older payment and returned in spite of the delta increase being resultant of process gotcha on their side and they had full knowledge that I was working with them to sort it out when it was not even my issue. 

Just so you know they did it this year too ... .. this year they sent a paper mail asking us to upload the document into a site ... i did not even depend on XXXX  ... I got the doc and uploaded to that site myself .... got an email confirmation on XX/XX/XXXX and yet on XX/XX/XXXX I saw they pulled a insurance and put it into my account ... .the reason being the systems process on their side is so flawed that even after i uploaded the document to the site they asked me to it still did not attach to my account .... but being burnt once I was alert so caught them early before the above story repeats itself and got it straightened out.
Product: Credit card or prepaid card

TD Retail Card Services ( TDRCS ) opened a XXXX account in my name without my knowledge or authorization. I contacted them, submitted an affidavit and other materials and they are in the process of resolving the issue. One credit bureau has removed the account and charge but the other two have not yet. However, my complaint concerns my rights of the Fair Credit Reporting Act ( FCRA ) which says that TDRCS   MUST give me copies of applications and other business records relating to transactions and accounts that resulted from the identity theft if requested in writing. I sent my written request on XX/XX/20 to the email address provided to me for submitting the affidavit and other supporting documents. I called yesterday, XX/XX/20, to verify that my request had been received and was told by XXXX ID XXXX that TDRCS  would not release that information to me. I am not sure how they can deny that information to me as the FCRA specifically provides me the right to the requested documents. 

I would also like to file a complaint on the charge against the fraudulent account. My credit monitoring service alerted me to a hard inquiry on XX/XX/20 and I called TDRCS on that date to report the fraud and was told that no charges had been made against the account and was assured that they would not allow any charges to be processed while they investigated my fraud report. However, 6 days later on XX/XX/20, TDRCS  allowed the fraudster to make a charge against the account even though I had reported the fraud 6 days earlier and TDRCS assured me that all activity would be blocked.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found multiple hard inquiries that I did not make. The unauthorized inquiries are listed below : 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 I did not provide consent for these inquiries, and I believe they violate my rights under the Fair Credit Reporting Act. I request a thorough investigation into these unauthorized inquiries and urge you to promptly delete them from my credit report. I expect the resolution within the legally required timeframe and appreciate your prompt attention to this matter. Please provide written confirmation upon completion of the investigation and removal of the unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian on XX/XX/2020 for a balance update for XXXX XXXX. I paid the balance in full on XX/XX/2020 and XXXX XXXX  said that they update the credit bureaus at the end of the day each Friday. I recieved a response to my dispute on XX/XX/20 stating that the dispute was resolved and that no changes needed to be made. I called XXXX XXXX on XX/XX/2020 and they confirmed that the balance was paid onXX/XX/2020 and was reported to the credit bureaus at the end of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX credit bureau collided with XXXXXXXX XXXX XXXXXXXX ( a fraudulent company ) to harm my financial reputation. 

XXXX allowed XXXX to reopen a closed account to deliberately affect my credit score. 

This account has been challenged as fraudulent, and a cease and desist order has been placed upon them. 

They violated such order by contacting XXXX to update my credit profile without deleting the identity theft information.
Product: Debt collection

In XX/XX/XXXX we were on vacations to XXXX XXXX, XXXX XXXX, we bought a Timeshare with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX we paid them a Downpayment of {$4000.00} and after that we started paying {$240.00} monthly. When we signed the contract they told as that we could use any week of the year with the exception of the week of Spring break, the week of XXXX XXXX XXXXXXXX and two weeks of XXXX Holidays, and they suggested make reservations with six months in advance. In XX/XX/XXXX I call them to make reservations in XXXX XXXX XXXX XXXX, they told me that they were full for the date that I was trying to get, which was at the end of XXXX, i call directly to the hotel in XXXX like a normal customer and they had rooms available that date, i tried using XXXX and there were rooms available too. I was pretty mad and call XXXX XXXX XXXX XXXX in XXXX XXXX and they told me again that they were full in XXXX for that date and they offer me to send me to XXXX XXXX, XXXX XXXX XXXX where they have Hotels too, i did not accepted his offer and I told them that I wanted to Cancel the Contract since they violated the Contract, I did not had what the offer to me. They transfer me with one of the Top Manager in XXXX XXXX XXXX XXXX XXXX XXXX, he told me that he will solve my problem, he asked to wait two weeks, I never received any answer. I call them again to let them know that I was going to stop paying my monthly payments and maintenance quotas, the threatened me with send me to Collection. I stopped doing any payment since i never received any single day of vacation and I paid them about {$8000.00}. 
Now I receive a letter from Monterey Collection SVCS trying to make pay {$11000.00} and they damaged my credit report for about 30 points down, this is ridiculous, I just want to have justice, there is no way that they could be stealing the people this way.