23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was solicited via text about taking a loan out of one my homes, only asked questions and wasnt interested other than to understand how it worked! Agent at quicken loans processed with out my authority a inquiry on my credit report, called and pleaded to take it off! As I had no interest in this.. was told they would not take off the inquiry they put on my credit report! Spoke to gentleman 3 times! He basically told me I have no right to stop them, and I could not dispute their inquiry! As I explained it effected my credit score and he kept on looking into my credit report! Without my knowledge! 

What can I do to erase this? And is what the agent told me, correct that he can do as he pleases. I have no control of a stranger to pull my credit report, and try to make me take a loan on one of my properties? 

XXXX if needed to be contacted about this matter! As I feel the gentleman was evading my personal privacy without my concern!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed in response to the discovery that my information was likely among those compromised in the Equifax data breach that recently occurred. 

I discovered this breach on Friday XXXX/XXXX/XXXX and placed a freeze on my credit immediately thereafter. I 'm waiting to hear about next steps and have contacted my bank to establish next best steps.
Product: Mortgage

recently took a mortgage loan through BOFA ihave attached the lending officer details. 

1. Just before my closing date on XX/XX/2024 they changed the seller credit and reduced it by XXXX $ without informing me or anybody on the buyer side, looks like they working with seller behind the scene to make illegal money without any transparency. 


2. Even after multiple emails and call, they did not provide any update and my closing was delayed, costing me XXXX $ oer day. I literally has to call 50 times and 30+ emails to them, they barely replied 1-2 times.

3. It disturbed my mental peace, cost my time and money.

4. They never even offered a sorr, or acknowledgement of the behavior. They talked very rudely to me causing almost mental broke down. 
They nvere covered any of the cost that i had to pay to seller because of delay from BOFA side.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint about XXXX, XXXX, and Transunion for not meeting Metro 2 Compliance or E- Oscar Protocol when verifying collections on my credit report. The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau because the date opened is inaccurate and the date last active is inaccurate. And some of the collections account are the same account under to different names. Some of the collections accounts are still receiving payments beyond the last date of activity. 
1. XXXX XXXX XXXX # XXXX. The date opened is inaccurate, the date last active is inaccurate across 3 all credit bureau. On the transunion report the last date active has been reaged. These inaccuracies grounds for removal from my credit report. 
2. XXXX XXXX # XXXX. The account type is inaccurate, the account status is inaccurate, the date opened is inaccurate, the date lasted reported is inaccurate and the last date active is inaccurate across all 3 credit bureau. These inaccuracies grounds for removal from my credit report. 
3. XXXX XXXX  XXXX  XXXX # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. On the XXXX report the date last active has been reaged and this account is also being reported under XXXX Acc # XXXX. These inaccuracies are grounds for removal from my credit report. 
4. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the credit limit is inaccurate, and the date last active is inaccurate. These inaccuracies are grounds for removal from my credit report. These inaccuracies violate my rights under 15 U.S.C 1681 Section 602 A. States I have a right to privacy, under 15 U.S.C 1681 Section 604 A, Section 2. The consumer reporting agency can not furnished a account without my written instructions. 
I am factual disputing the accuracy of all these accounts.
Product: Checking or savings account

I had to write this 2 times information lost. I had personal and business accounts over XXXX between both. I went into the bank several times and even changed my personal account to avoid fees. No one told me I was being charged {$30.00} mth since XXXX. When I found out my business name was not changed either after speaking two times to chase once phone and email XXXX and the name and bank account type still was not changed. Also I go to XXXX they charged me {$8.00} and {$14.00} per debit card transaction! The XXXX # I call guy XX/XX/year> XXXX XXXX  rude just referred me back to the bank. I asked for supervisor they left me on hold 30 mins. So thats why I made this complaint. Also my personal account had a fraud charge they cancelled my account sent card out and my address was not changed. No verification just reckless. And kept all the fraud charges {$29.00} $ {$15.00}. Its the principle they dont care if you have money in your account they try to scam you it seems.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows I owe a balance of {$2900.00} to XXXX XXXX and it is in collections with ProCollections Inc. The problem is I've never lived here. I went to XXXX XXXX and they were unable to provide a lease, my signature or any information I am trying to find a place to live and this is a hindrance.
Product: Credit reporting or other personal consumer reports

XXXX Mortgage XXXX Land Home Financial Services repeatedly ignored requests to remove the inaccurate remark for my account in Descriptor # XXXX that states " Consumer disputes after resolution ''. I am not have not disputed anything after investigation and have requested that the remark be removed but no one responds. The credit bureaus removed it only for the mortgage company to repeatedly report it each month even though this is false information. It should be removed immediately.
Product: Credit card

Today, XXXX XXXX 2016, I received a call from a gentleman working for XXXX asking for payment on a XXXX account I apparently had 2 years ago. I agreed to make payments IF they send me a letter of agreement to remove the debt from my credit report. The gentleman told me I was responsible for calling the credit bureaus and having them remove the account myself. It has always been to my understanding that once the debt is paid, the collection agency is to remove it, otherwise it will still affect my credit. Also, I have not received any notice in writing pertaining to this debt or proof of this account, just harassing phone calls asking me for my bank information for payment to the account.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

his was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FDCPA SECTION 807 VIOLATION FALSELY REPORTING
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXXl please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect address that have not lived at for XXXX yo or address I never lived at on credit reports. I have notified all 3 credit reporting agencies since last XX/XX/XXXX to update the information but is still incorrect from the last credit report i pulled on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a letter on XX/XX/XXXX asking them to remove my PAID AND RELEASED FEDERAL TAX LIEN FROM MY TRANSUNION credit report. I received a response dated XX/XX/XXXX with results Verified as accurate. I did not dispute the paid and release was not mine. I ask that the information be removed as it is over the 7 years date. 

Per the information on the TransUnion web site and I QUOTE A tax lien can be one of the worst items to appear on your credit report. Its considered very negative and can cause your credit scores to drop significantly. Even worse, under federal law, unpaid tax liens can remain on credit reports indefinitely, though in practice credit bureaus may remove them after a decade or so. ( Once paid and released, a tax lien must be removed seven years from the date it was filed. ) My Federal tax lien was paid and released. I also sent the proof of this information to TransUnion and they have failed to correct my credit report.
Product: Debt collection

Evergreen Acquisitions continues to repeatedly call and harass my self, my mother and my father. Not only do they call their home phones, but in the last 2 days they have somehow found XXXX my parent 's cell phone numbers and are repeatedly calling on those lines as well. My father has repeatedly told them not to call him and in XXXX day they called him over 15 times. They told him that I had bounced checks all over the place and that they had not been paid since XXXX and that I was going to go to jail. While my father was telling them not to call him, XXXX said to him " blah, blah, blah '' and continued to harass him further. I am in the process of sending them a letter to stop communication, but I do n't think they will abide by it. 

In several instances, they called my house somehow making it appear on the caller ID that they were calling from the number of an acquaintance. I do not know how they do it, but I look at the phone and it shows my friends number, but it is them on the phone. They have left messages that say that it is a fraud alert and that someone is trying to open a loan in my name and then when I call back, it is them. They shout and yell on the phone telling me that I am going to jail for passing bad checks. I set up payments with them and missed 2. They are not the original creditor. 

They are causing major stress in my and my wife 's lives. My wife has XXXX XXXX XXXX XXXX which is why we have fallen behind and for them to call in excess of 25 times per day and also have their computer call with a fake fraud warning another 5 times a day is just not fair. We have rights, regardless of the debt being valid or not. This is just pain harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple disputes to Equifax, They are just sending replies from the E-Oscar system replies that had nothing to do with the inaccuracies disputed. I demand for Equifax to perform a proper investigation of the accounts attach to this complaint and to remove any non-fcra compliance accounts from my credit report and to provide me with the method of verification according to section 623 what I mean by this I want to see paperwork, names of person spoken to by XXXX  with the account furnisher to prove accuracy on account disputed..
Product: Debt collection

This company XXXX XXXX have a account that's charged off with a XXXX balance reporting on my credit file and it must be removed, because the account does not belong to me and I do not need any name address and statement as proof, because such information does not constitute a validation, I've never opened any account with this company it's the duty of this data furnished to investigate and resolve the matter, not to send and ask me to send things to them I'm not paying any money to research this account it's not mines and I need it removed and your address is reporting incorrectly ....
Product: Credit card or prepaid card

I have a capital one credit card on my file the amount of the card is {$680.00} open on XX/XX/2019. I spoke to capital one about this card and explained that it was not mine. They told per their investigation it is mine. I asked them to send me proof and they denied doing so. They would not escalate the call. Absolutely no help at all.
Product: Debt collection

I received a notification from XXXX that my credit received a major derogatory account and checked to see that my score had dropped by over XXXX points. A collection was added by Sunrise Credit Services for a {$5400.00} bill from XXXX XXXX XXXX XXXX. I have never had an account opened at XXXX XXXX XXXX. I certainly never received any verification of the debt from Sunrise or XXXX XXXX XXXX nor was any attempt made to contact me. This debt is either fraudulent, or the collections company is trying to collect from the wrong person.
Product: Vehicle loan or lease

I got a car loan XX/XX/2018. My car loan was sold back to dealer due to dealer overcharging and adding extra fees. I was not informed that the dealer bought back loan on XX/XX/2018. I continued making payments to finance company and they kept accepting it until I checked my balance on XX/XX/2018. It shows payment excess of {$510.00}. I call about it. I was informed I had to wait 21 business. I wait well past the 21 days and then was informed that they don't have my money that they gave my money to the dealership. I did not authorize that.
Product: Debt collection

I received a call at XXXX on XX/XX/2018 from Advantage Collection Pros at my place of employment. I politely asked if she would not call me on my job. She told me I have a bill of XXXX (? ) and I told her it would come out of my account on Friday and please not call my job, please send me correspondence, she said : we did, in XXXX. I said again, please dont call me at work and she said I will call until the bill is paid and hung up on me. 
This upset me that she was so rude and just hung up! I called the company back at XXXX on XX/XX/2018 and I spoke with somebody and she said that my account indicates not to be contacted at work. I asked her to review the conversation.
Product: Student loan

Navient is supposed to have my XXXX XXXX XXXX loans set to enhanced PAYE so my loans are forgiven after 20 years but after several phone calls over several months my loans are still not corrected. Every time I call I get a different story.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

This is my second complaint to CFPB about this issue. My credit card was fraudulently charged with hundreds of dollars of XXXX XX/XX/XXXX charges. I disputed the charges and Citibank did removed some of the disputed charges. However there is still approximately {$600.00} of fraudulent charges made AFTER Citibank discovered the fraud and had disabled the card. Every time I speak to Citibank they state they will reverse the charges but have not done so yet, and continue to charge me interest on XX/XX/XXXX fraudulent charges.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent to XXXX  and XXXX  copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to XXXX  3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes Trans Union in this complaint on the inquiries.
Product: Mortgage

Good Evening, I have an FHA mortgage and I pay the mortgage payments to my mortgage provider, Pennymac USA. Back somewhere around XXXX or XX/XX/XXXX, I contacted Pennymac to see if I qualified for Covid-19 Forbearance ( Due to Cares Act and my financial hardship ). ( I'm going to request a copy of the conversation next week ) I mentioned I only wanted to take Forbearance if I can take what I owed and add it to the end of the mortgage ( Covid-19 Standalone Partial Claim ). I was told yes and I went ahead and took the Forbearance. 

Fast forward to today where I'm trying to get off of forbearance and I called to get a game plan to get me off of Forbearance. They told me I don't qualify for the Covid-19 Standalone Partial Claim. I only qualified for the Lump Sum or Loan Modification, when I got off of the forbearance. They said that to be eligible for the Covid-19 Standalone Partial Claim that " I have to be current as of XX/XX/XXXX ''. 

After further research within the hud.gov website, under Mortgagee letters ( Mortgagee Letter XXXX ) one of the eligibility says the following, " the Mortgage was current or less than 30 days past due as of XX/XX/XXXX ; '' I paid the XX/XX/XXXX payment on XX/XX/XXXX. So technically I was NOT current BUT there is the OR clause that says " or less than 30 Days past due as of XX/XX/XXXX ''. There are no asterisks or quotes around that, or anything stating to take a leap year into effect. Therefore technically as of XX/XX/XXXX I was 29 days past due. 

Therefore I believe I should qualify for the Covid-19 Standalone Partial Claim but for the whole month of XX/XX/XXXX I keep getting a " no I don't qualify '' or " we interpret 30 days past due with Leap year consideration ''. Again nowhere does it say anything about leap year, etc. My due date could be on the 15th and technically I would be 14 days past due as of XX/XX/XXXX. 

I attached the document straight from the hud.gov website ( https : XXXX ) that shows my proof of why I should be eligible. I keep requesting Pennymac to provide proof why I don't qualify but keep getting the runaround. 

Please assist and thank you in advance.
Product: Credit reporting or other personal consumer reports

I submitted a previous complaint ( see complaint # XXXX ). They acknowledged receipt of this complaint in XXXX, then submitted to you that they provided me a response directly and closed the report. This was a lie, they did not send me anything directly. They cold called me one time when I wasn't at home and demanded that I provide the case number to speak to me further, which I didn't have available. They've been uncommunicative since.