23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of 2017 Pacific Union Financial spoke with a party who was not on my loan. They gave loan information and attempted to secure a loan for the person NOT on the current mortgage. I received a quick claim deed via overnight mail for me to sign in order for the home to be deeded in the other person 's name so they could secure the loan. At NO TIME did Pacific Financial attempt to contact me for permission or verification. The first contact I had from them was the quick claim deed. Obviously I did not sign the quick claim deed. Had I signed the quick claim deed the property would 've legally belonged to the other party with me still being responsible for the mortgage. Had the other party not been able to secure the loan I would be financially responsible for a home I had no legal rights to. 
I have since decided to sell my home and am in the process of doing so. I have repeatedly asked for my payoff documents. They have assured me they would be sent by close of day on multiple occasions. They have not sent them. They spoke with the title company who also requested the documents and assured them they would be sent. They were never sent. I then requested to speak with a supervisor I was told there was n't one available. I advised them I was going to file a complaint. After that phone call the title company again tried to get the documents at which time they advised them they could not talk to them because there was not an authorization on file. Interesting that they had NO problem disclosing my Mortgage information to anyone prior to me stating I was going to file a complaint. 
My mortgage was in good standing, I have NEVER missed a payment nor have I ever been late. 

I have email documents showing communication, as well as the quick claim deed that was sent. I am unable to send them from my phone ; however I can provide them when requested.
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against XXXX XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/year>, XXXX XXXXXXXX XXXXperformed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA XXXX 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX XXXX would justify this inquiry. This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX XXXX prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response.
Product: Debt collection

I have received a report on my credit from a XXXX XXXX XXXX XXXX for XX/XX/2020 which I have not been to the hospital none 2020 and the fact that this appeared on my credit Is evidence of identity theft or that the company altering dates and time please correct this the last thing I need is more debt in this global pandemic and I will continue to try and reach out to the company
Product: Debt collection

I paid off a  XXXX  's credit card through a debt consolidation plan called  XXXX   XXXX  on  XXXX    XXXX  .  XXXX  brought a " ghost '' debt in  XXXX    XXXX  . I have sent them and  XXXX  documentation proving that this debt was paid to no avail. The account number are almost identical but  XXXX .  XXXX  's account has an extra zero.  XXXX  will not remove this debt from my credit report despite writing several letters including a statement from my debt consolidation plan.     Attached is a statement from my debt consolidation plan.     What else can I do?     I can be reached at  XXXX .      XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information
Product: Mortgage

In XXXX we applied for a cash-out refinance for our primary dwelling. After running our credit and taking our payment for the appraisal, the lender did not provide a Good Faith Estimate until a month after the fact. The initial intent was to do an FHA Cash-out Refinance and were told that the company could do not FHA, they then retracted that statement citing they had an investor who could. They finally provided a change in circumstance Good Faith Estimate for the new loan product after the RESPA timeline permits. We are still in the process of refinancing with us constantly having to reach out to the lender to inquire on the status. Each time they answer, it is a general reply of " we are waiting on underwriting ''. We are now on month XXXX of the refinance, we have paid for XXXX appraisals and have had our credit pulled multiple times, adversly affecting us if we were to try to go with another lender for refinancing. We still have no clue on the status of the loan.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my unresolved dispute regarding the unverified and inaccurate accounts listed on my credit report. Despite previous attempts to rectify this matter and your assurances of investigation, these discrepancies persist. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but you've ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.
Product: Credit reporting or other personal consumer reports

In accordance with 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 : CXXXX 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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

Even though it is clear that you erred in giving me this erroneous information, I am so shocked, worried, and disappointed that I was unable to eat or sleep. As a result, in order to win back my business, you must remove the items labelled as NOT MINE in a way that is fair to me as a customer and reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Vehicle loan or lease

Voluntary Surrender Agreement ' Dated & signed XX/XX/XXXX Notice of Our Plan To Sell Property from Upstart Dated XX/XX/XXXX Last conversation with Supervisor XXXX? ( No Name ) stating that I needed to contact the CARS repossession team at XXXX because Upstart had no knowledge of my cars sale? And that CARS could keep my XXXX XXXX XXXX indefinitely, but I would still be responsible for the full amount owed of loan & charge-off? 

I was also told by XXXX ( Upstart ) on XX/XX/XXXX that if I wanted to avoid the CHARGE-OFF on my credit, that I would have to pay a {$350.00} fee? None of this information is stated in my Voluntary Surrender Agreement or was I told that prior to agreeing ( due to poor health ) to relinquish my car? 

I literally feel like they stoled my vehicle & are taking advantage of me, because I'm having XXXX & XXXX XXXX & I can't fight back?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending Experian Letters regarding these 's accounts they haven't been compliant at all this is why I am seeking help regarding this matter. I sent this letter which is attached below, with their response to my last letter. 

If I can't get the following requested information, then I demand these accounts to be DELETED WITHIN 3 BUSINESS DAYS AND SEND ME A COPY OF MY CONSUMER REPORT!
Product: Debt collection

Derogatory mark appeared on my credit report from MIDWEST RECOVERY SYSTEMS to the tune of {$350.00}. No prior notice or contact was received from any company, no verification of the debt was even attempted.
Product: Checking or savings account

There was fraudulent activity on my account in which I reported. The XXXX  did nothing to prevent or reimburse me which caused them to close my account
Product: Debt collection

XXXX. XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX / XXXX / {$280.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Mortgage

OCWEN continues its deceptive and misleading servicing practices and refuses to correct errors on my mortgage bill statem ent. Ocwen charged me {$110.00} for a property valuation expense, mortgage account statement shows. OCWEN claims " the property valuation was completed i n response to a request for a loan modification, in which we needed to obtain a fair market value of the property ''. The question is not whether a request for mortgage assistance was submitted. The question is why am I charged {$110.00} for a property valuation when there was no advanced notice and consent given by me. I submitted a request for mortgage assistance. I did not request, accept, or approve of any valuation of the property, period. I had no idea a request for mortgage assistance automatically triggered a {$110.00} property valuation fee to my bill. This is a complete scam! OCWEN failed to give any advanced notice of a property valuation expense, or even ask for my consent. Please immediately remove the {$110.00} property valuation expense and send me a corrected mortgage statement.
Product: Student loan

I had called to discuss why my income based repayment plan payments had jumped from {$270.00} in XXXX to begin in XX/XX/XXXX in the amount of {$560.00}. When I asked the customer service representative, why the payments had doubled I was given the run around. I asked how they came to the payment they did based on my most recent tax return. I was given they had my tax return of XXXX. That was incorrect, since I had submitted my XXXX tax return documentation for my annual income based renewal certification which was approved on XX/XX/XXXX. They could not verify that they had my XXXX tax return. I was told they based my income payment on the 15 % of yearly income divided by 12 months on the poverty line. It doesnt make sense on how the income reflects the payment per month and the calculations they gave me. I inquired further as to be given an XXXX number so I can call to get information on how they go about figuring out the repayment amount. I was told it was by a processing team and they didnt have a phone number. I also inquired if there is no number, to get information in writing because there is nothing documented on the Navient app in full detail as shown on their document approving my income based repayment request renewal. I wasnt given any information or told the information that would be mailed to me. I notified them that I had a drop in my income due to a new job and my husband had a drop in income as well. I was told I could send them copies of our paystubs no more than 90 days old and they can re-certify based on my new income documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, I XXXX XXXXXXXX XXXX  : # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX
Product: Mortgage

My mortgage company illegally put my mortgage on XXXX without our permission or even asking, I brought it to their attn they said email us what happened I did, nothing. The AGs office is NOT helping nor the CFPB! Back on XX/XX/XXXX my mortgage co sent a letter ( NEVER RECD IT! ) the AGs office did and at this time is was the end of XXXX, letter stated for us to restart payments on XX/XX/XXXX we didnt know, now any pay sent at this point would go unapplied. Now the mortgage company is looking for over $ XXXX or they will forclose on my family home that Ive lived in for 50 years! I am on medical XXXX now due to severe side effects of XXXX and XXXX! Please can you help? 

XXXX XXXX I am in foreclosure now they are lying stating that they did a loan mod in XXXX FALSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX ( XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report online. I was denied stating it needed to be done via mail. I printed, completed, and sent the requested form along with my ID and proof of residence as requested. I received a letter back stating I was not entitled to receive a free credit report because I had already received one, which is not true or accurate. I requested my report from all three credit bureaus at the same time and date, only one of which complied with this request and gave me my free report online. I go through this with this credit reporting agency every year and I believe it is because I write several complaints asking them to correct my credit report because they have a very regular habit of reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary XXXX and potential harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 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 XXXXXX/XX/year>