23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

From the moment Specialized Loan Servicing assumed my loan, the companies only intention was to foreclose on a distressed property of a single, XXXX woman. 

Although, the company professes to support XXXX homeownership online, it is purely virtue signaling, as this company has had no other intention than to foreclose on my property, which is a short 7 minute drive to XXXX XXXX family home. 

Lik

e vultures in for a kill, they have done all they can to consume my time and energy while running up delinquent payments and forcing me into a unfavorable home loan modification. The enclosed index of statements documents from SLS website demonstrates that although I had applied for a mortgage modification prior to SLS assum
ing my loan from XXXX  XXXX XXXX and XXXX in XXXX, XXXX ; it was literally several months if not more than a year before Specialized Loan Service acted on my RMA. 

I have enclosed an RMA from XX/XX/XXXX. A full two years after I filed my original RMA. 

Additionally, you can see from the index that my account was in a constant state of reassignment of customer representatives. This created a constant renewal of the story with each agent, as if I had never contacted the company. Agents do not seem to keep track or document customer events, as well, there is a different agent each time one needs to speak to the company. 

Customer service agents also do very little to explain, clarify or assist homeowners in home affordability.
Product: Debt collection

I am a natural person, a living human being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Accounts- DYNAMIC RECOVERY SOLUTIONS, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  am not liable for any debt with DYNAMIC RECOVERY SOLUTIONS, XXXX XXXX I do not have a contract with them, they not provide me with the original contract as requested, I demand that these accounts be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, EQUIFAX. XXXX AND XXXX XXXX ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE 10 YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed account was CHARGED OFF in XX/XX/2018. This account has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 
Please remove the following account : Name of Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, Your Name
Product: Checking or savings account

I have a business account with Bank of America and on XX/XX/XXXX they charged me a {$35.00} NSF fee for a {$9.00} transaction. When I logged into my business account there was a balance of {$18.00} which was enough to cover the {$9.00}. So when I logged into my account the next day there was a NSF charge for the transaction. 

I called Bank of America on XX/XX/XXXX and asked why was there a {$35.00} fee. The representative and the supervisor that I asked to speak to me told be that there was a hold on money in my account from XXXX and XXXX. He said XXXX had a hold on the money for 5 days. I asked them that if there's a hold on the money then why is it showing an available balance of {$18.00}? How am I supposed to know that the money is not available? The supervisor basically told me that it's my responsibility to know what is coming out my account. I was done with the supervisor and hung up the phone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified this account that are reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the companies related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I requested my free annual credit report for TransUnion. The company did not provide access to a free report ON THEIR OWN WEBSITE. They required that I go through XXXX. I did that and received my credit report ; however, I WAS NOT GIVEN MY CREDIT SCORE. This score is an integral part of my credit report and should be included. When I attempted to retrieve this through TransUnion, I was unable to do so without passing a payment wall by inputting my credit card information. This is ridiculous and illegal. I do not have to sign up for a paid service in order to get my credit score annually. I do not have to provide my credit card when I request my annual credit report INCLUDING MY CREDIT SCORE. Both other credit bureaus ( XXXX  and XXXX  ) provide both annual reports and scores EASILY online on their own websites. TRANSUNION IS NOT FOLLOWING EITHER CALIFORNIA OR FEDERAL LAW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was in the Lowe 's of XXXX Missouri purchasing stuff for my weed eater. I was approached by a sales representative claiming all I had to do was sign up for the VIP program and I would get a free bucket, I asked if it was a credit check because it was asking for my social security number she told me it would not go through my credit or affect it, I told her I did not want to do it at that time and to not send my information in and she took her tablet back. Not knowing she entered my information that day I was again approached on XX/XX/XXXX of 2022 in Lowe 's of XXXX, Missouri and I applied for a Lowe 's credit card not knowing I had already had my information turned in 2 days before without my consent. I have reached out to Lowe 's numerous times only to be hung up on and never receive a call back. I want this taken off of my credit report from XX/XX/2022 because I did not consent for this sales representative to put through the information I thought was going to be erased from her tablet when she took it away from me before I could erase my social security number and other personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX  XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX  XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( XXXX ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met. 
As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. 
Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. 
I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. 
Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( XXXX  XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( XXXX  XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Debt collection

The Third party liability denied my undue hardship wavier for the outstanding medical debt my mother had..she passed away in XXXX  they already filed a claim a yr ago ... .we r still living in the home n my nephew also has a XXXX n us living in the home they are telling me there taking me to Cort ..please this debt is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I sent a dispute to TransUnion regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to TransUnion, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, Experian still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.
Product: Payday loan, title loan, or personal loan

I attempted to get a personal loan from this company. I was appalled when they asked me for sensitive documents ( i.e. with Pii ) via *** email ***. Email is pretty much the worst way of transferring data, as it is not secure. Please look into the practices of this Patriot Finance company regarding how they handle their potential client 's personal information. In fact, I wonder if they are even legit ... because any legit company these days would have a secure portal for providing sensitive documents. ( they did provide a fax option, but who really does that anymore? ) The following is a copy/paste of their email to me ...

XXXX Thank you for your recent application.

In order to begin processing your loan, our underwriting team will need you to please provide the following documents : 1 ) Copy of your state issued ID ( Drivers license, etc. ) 2 ) Copy of your most recent pay stub.

3 ) Copy of your most recent bank statement. 

Please either respond to this email with the documents or, you can send via fax at XXXX. 

If you have any questions about your application, please call us at XXXX. We look forward to working with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency XXXX is not reporting accurate information. According to [ XXXX XXXX XXXX ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
They are in violation of the FCRA, [ XXXX XXXX XXXX ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Product: Debt collection

I was paying XXXX XXXX XXXX XXXX for a hospital stay for XXXX XXXX due to XXXX XXXX XXXX and XXXX. I was paying 35 to 50.00 approx. per month and was then told I was past due ; that I had to pay in full that I was not paying enough to keep account current. I explained I was on workers comp and out of work and XXXX was the most I could pay. Initially I was told to pay what I could then out of the blue a letter was sent to me that my acct was sent to an outside collection agency for non payment. I explained I was paying regularly and had been in contact with XXXX billing, Why was I now delinquent. I offered to set up a pymt plan and was told I could not because it was too low of a payment. If I was trying to pay is .that not better than not getting any money? I do not understand. Also they tried to reduce it to half and get me to pay a lump sum. If I had that lump sum why would I be trying to make payments. This was just noted on my credit acct recently and I would like to fix my credit. I do not feel this is just as I have tried to work out pymts even while unemployed. I am working now and I have been trying to repair my credit, since my work injury. Certainly there are some options. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX I was hospitalized the week of XXXX in XXXX with XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX also in XXXX, Fl.The last 4 of my SS # is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Against TransUnion for Negative Credit Scoring Patterns Dear CFPB, I am writing to formally file a complaint against TransUnion regarding a concerning pattern of negative credit scoring that I believe is unjust and detrimental to my financial stability. 

Over the past few months, I have experienced extreme fluctuations in my credit score with no clear justification. Below are the recent scores and corresponding changes : - *XXXX XXXX XXXX  : XXXX ( an increase of XXXX points ) - **XXXX XXXX XXXX XXXX XXXX ( no change ) - **XXXX XXXX XXXX XXXX XXXX ( no change ) - **XXXX XXXX XXXX XXXX XXXX  ( no change ) - **XXXX XXXX XXXX XXXX XXXXXXXX ( a drop of XXXX points ) Prior to this, I also experienced the following significant drops : - **XXXX XXXX XXXX XXXX XXXXXXXX ( a drop of XXXX points ) - **XXXX XXXX XXXX  : XXXX ( no change ) - **XXXX XXXX XXXX XXXX XXXX ( a drop of XXXX points ) - **XXXX XXXX XXXX XXXX XXXX ( no change ) - **XXXX XXXX XXXX XXXX XXXX  ( no change ) - **XXXX XXXX XXXX : XXXX ( no change ) # # # Key Observations : 1. **Dramatic Fluctuations** : The scores reflect drastic changes that seem inconsistent with my credit behavior. The drop from XXXX to XXXX was particularly alarming and unexplained. 
After the low score in late XXXX, resulting in a score of XXXX in XXXX. However, the earlier drop severely impacted my financial opportunities. **Lack of Clarity** : Despite my efforts to maintain a responsible credit profile, the frequent and severe fluctuations remain unexplained. 

I have reached out to TransUnion to resolve these discrepancies, but my inquiries have gone largely unanswered. The negative credit scoring pattern has hindered my ability to secure loans and affected my overall financial health. 

I respectfully request that the CFPB investigate this matter to ensure that TransUnion is held accountable for its practices and that consumers like myself are protected from such unjust credit reporting. 

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

Sincerely,
Product: Vehicle loan or lease

This company is an absolute rip off! These people need to be shut down they are crooks stealing and trying to take people 's. I dealt with XXXX of Danco Financial who came and repossessed a vehicle that should have never been taken in the first place. I had a payment arrangement set up and paid half of it like I was suppose to yet they still came and got the car. I don't understand how this company is still in business. When you call all you hear is XXXX music while on hold. I'm sure they have done this to a lot of people. They pray off o those who have less then perfect credit and are unable to get a vehicle at a normal dealership. I wish you all would really investigate the deals and complaints you have from this company. I bet there would be a class action lawsuit regarding all of their practices.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX  || Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX CARD Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX Name & Number : XXXX - XXXX, XXXX FIN - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XX/XX/2021. has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 by more than seven years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

PDM is reporting on my credit report that they charged off the account, but I have been paying them every month for the last 4 years and 8 months.