23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/2023 as I received an email stating I was pre-approved. I received a message stating to call my local branch on XX/XX/2023. I spoke with the representative whom sent me an email with a link to confirm my email and submit additional documentation. I submitted all requested documents that same day. It has now been over a month with an email response or written response. Mariner Finance did a hard credit pull with the application. I called my local branch today XX/XX/2023 to see why I haven't received a written response to my application. I was informed that my application was denied. However, I never received any written notification as to why I was denied by email nor regular mail. This is clear violation of the laws regarding obtaining a persons credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 more then 29 times nonstop this is exhausting 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 XXXX. 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Product: Debt collection

We have been receiving threatening phone calls from the Oracle Financial Group not for a debt we owe rather for failure to pass information on concerning a family member.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXhas 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
Product: Debt collection

I signed up for XXXX XXXX from XXXX. They went bankrupt and never finished my treatment. I have an email from the financing company, adknowleging that service was not rendered. However, they are trying to collect this debt for services not rendered. They put a collection notice on my credit reports.
Product: Checking or savings account

I've had several issues with this bank. The first one was regarding my debit card when on vacation. I was in XXXX, and after a few days there my card got locked out. I was able to call and have it unlocked. At that time, I told them I was on vacation. A few days later, my card was locked out again. I tried calling the same number I called the first time. They told me they were unable to unlock my card, and I needed to call their main customer service line. It was only XXXX on the XXXX  coast XXXX but apparently they close at XXXX on the XXXX  coast XXXX I had to spend the night without any access to my funds. I was unable to pay for dinner, or anything that we had planned that night. This was the night of XX/XX/XXXX. When I called the next day, I was told that my card was locked out due to not notifying them off my travel plans, even though I told them the first time I called and unlocked my card My second and biggest issue is the predatory sales practice. I never received my paperwork from opening my account. I was also told that I would receive a {$500.00} Welcome Bonus for having a {$500.00} direct deposit within 60 days of account opening, which I met. On XX/XX/XXXX, I called their customer service line. The person I talked to said I should be getting my bonus " any day now '' because the bonus usually gets sent 90 days after the account opening, and it was going on almost XXXX  months since I opened the account I asked what the requirements were, and she had said that it was an " in branch '' offer, so she was unsure what the requirements were. She said I'd need to contact the branch to get the qualifications. I explained I did not want to contact the branch, because I had an unpleasant experience when opening the account. She then offered to call the branch on my behalf, but unfortunately they were not open yet. 

I called back on XX/XX/XXXX to get information on the bonus again. This time, the last I talked to was somehow able to give me the bonus information. She said that it was a {$250.00} bonus and that I had to maintain a {$500.00} balance, which was very different then what I was told by the branch. I started questioning her, because I felt like every time I talked to someone, I was getting different information. 

She told me that she'd put in a ticket to investigate the qualifications of the bonus. She said it would take XXXX days to investigate, and that I'd have a response back through email. To this day, I have not heard anything back.
Product: Vehicle loan or lease

Current date : XX/XX/2019. Had a car accident on XX/XX/XXXX. On XX/XX/XXXX, acquired email conformation that GAP company, assigned to me by car dealership, received all my requested documentation. On XX/XX/2019 the GAP company completed the adjudication process for the financial GAP benefit regarding the loss of the covered vehicle. During this whole time I was still required to make payments for my unpaid loan balance. XX/XX/XXXX, received email from car company that read " Weve received your payment of {$3000.00} '' ... Your payment was processed on XX/XX/2019. It may take up to 5-7 days for your payment to be reflected in your bank account. '' This amount of XXXX was more than I owed, which was currently around $ 1k.  I have received one check for {$370.00} which is dated XX/XX/2019, and supposedly I am awaiting two other payment checks in the amounts of {$1200.00} and {$400.00}. I have called the Finance department several times and talked to several different employees and supervisors which informed me that they have submitted email inquiries to the payment department. I'm told that the checks are pending approval. Called again today, but seem to taking way more time then it should and getting really annoyed and frustrated with this and do not feel like my case is important to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter to XXXX XXXX dated XX/XX/XXXX, I explained the circumstances of two late payments from XXXX and inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to XXXX 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.
Product: Money transfer, virtual currency, or money service

I paid for a cab ride with my credit card and Square Inc saved my email and linked it to my credit card. I used my emails years ago paying for a transaction and did not agree for them to store my information and transmit it to different transactions.
Product: Debt collection

I C SYSTEM has placed a collection on my credit profile with out my knowledge i called the company in the matter a they told me to file a identify thief report. i have sent them a debt validation and got no response. this collection has hurt my family from getting funding for our first home. please correct this matter ASAP. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT As you have failed to provide the aforementioned documentation to validate your claim, I hereby give you 15 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. 

Failure to address these concerns or engage in good-faith negotiations may result in legal action to protect my rights and interests as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with an ongoing stubborn account, XXXX. XXXX XXXX. This account is a closed account and has a late payment on it. This is a violation under the FDCPA that a closed account can not have late payments. Furthermore, I submitted a dispute asking them to send me the original signed contract with my signature on it, which they have failed to do. I then sent in a 30 Day Demand after 60 days letting them know that they failed to respond to me, and if they do not respond within that certain time frame under the FCRA my account has to be deleted. STILL NOTHING! I then sent in a complaint to the XXXX, who told me they were unable to identify my account... okay if you can't identify it... erase it!!! At this point, this is my last step before filing for ligitation.
Product: Debt collection

Fair Collection Outsourcing has committed multiple violations and mistakes in my credit reports. This company has damaged my financial life. They have been NEGLIGENT AND UNFAIR. 

Fair Collection Outsourcing has committed the following violations : The account had unsubstantiated charges, I was never billed an itemization by original creditor and not even notified about existence of debt. The account has been re-aged and creditor harassed me to collect payment. 

This company has also caused the following damages : {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and XXXX XXXXhrough XXXX XXXX XXXX  and XXXX. 

Account information below : Account number : XXXX, date XXXX : XX/XX/2018, original balance : {$630.00}. 

THIS ACCOUNT MUST BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES IN THE NEXT 30 DAYS. THIS IS MY DEMAND TO GET THIS CASE RESOLVED AS SOON AS POSSIBLE. 

See attachements. 

Thank you.
Product: Mortgage

BSI Financial ( Servis One, Inc dba BSI Financial Services XXXX XXXX XXXX ) has serviced my investment property loan for approximately one month. They took over for my lender XXXX XXXX XXXX. So far they have sent two erroneous late notices and tried to collect a late fee. However, I have always made payments on time- with the previous servicer and now with BSI Financial.

Today I sent a Notice of Error to BSIs customer service email in response to their second erroneous late notice that I received this morning.

Also today, a representative from BSI called me to say that my last payment made on XX/XX/XXXX was {$81.00} short and I needed to make an extra payment over the phone. There is no statement or document available to me to substantiate this charge. The representative stated that my XXXX payment was short and she wanted to collect the {$81.00} balance, however BSI 's system currently falsely states that my entire XXXX payment is overdue. 

I feel like I am being harassed despite making on time payments. I am also worried that BSI 's disorganized accounting is putting the status of my loan, my credit, and my investment at risk and may result in extra charges or worse.

Thank you for your assistance in this matter.

ATTACHMENTS : 1 ) Bank record showing XXXX XXXX on time auto-payment to XXXX XXXX XXXX 2 ) XX/XX/XXXX BSI statement with {$640.00} monthly charge and late fee error of XXXX for XX/XX/XXXX ) Bank record of XXXX payment made in correct amount of XXXX after late fee was adjusted on website XXXX ) Late payment notice received in XXXX for XXXXXXXX XXXX payment XXXX ) Late payment notice received today for XXXXXXXX XXXX payment XXXX ) Record of payment history available to me on BSI website XXXX  ) Screenshots of BSI website today with late payment notice
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I requested a free annual credit report, I received my reports from XXXX and XXXX but not Transunion. On XX/XX/20 I received a letter from Transunio stating they could not locate my report so I gave them a call on XX/XX/20 and they were able to pulled my credit report and mail it to me which I received on XX/XX/20. The issue I am still having is I an trying to sign up for a credit monitoring program called " XXXX XXXX '' but for some reason it can not pulled my Transunion report. My Transunion is still showing on " XXXX XXXX '' so I do not understand why Transunion keep having an issue with location my report. Please help me because I need this situated as soon as possible Thanks
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Accounts ; XXXXXXXX XXXX XXXX  ACCOUNT # XXXX / Open Date : XX/XX/XXXX Close Date : XX/XX/XXXXXXXX XXXX XXXX XXXX / ACCOUNT # XXXX / Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX / ACCOUNT # XXXX / Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX XXXX XXXX / XXXX / XX/XX/XXXX Remove these address ( es ) XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please Remove XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please Remove INQUIRIES ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We are asking you to investigate the impact that that our XXXX XXXX XXXXXXXX Home Equity  line of credit has had on our credit. 

We were struggling with payments beginning in XXXX on our HELOC, and in early XXXX learned we may be eligible for a modification. We wanted to ensure we were taking care of the situation so we began to seek out resolution. 

Timeline Mid XXXX -- reached out to begin finding out if we could get a trial modification. Took quite a while to finally get to a point where they would talk to us about a trial modification. 
XX/XX/XXXX approved to start trial modification XXXX completed the three trial modification payments ( proof in bank statements provided ) XX/XX/XXXX finally get a letter after persistent questions of status and decision that our modification is approved. We returned the final modification paperwork, never got anything back. 
XX/XX/XXXX get a letter saying our modification was denied. 
XX/XX/XXXX get a letter saying its now approved, see no evidence of this in our monthly payment ; still shows massive snowball amount. 
XX/XX/XXXX get a new letter saying we successfully completed trial modification and to sign and return the modification agreement, which we did. 
XXXX still seeing no evidence they had modified the loan, unsuccessful in getting answers. Finally hear from someone that they had sent more paperwork, and they had sent it to the wrong address. We were temporarily living in XXXX for 8 months. We had updated our mailing address to our temporary address in XXXX, and we were receiving billing from them at that address but they mailed new loan modification paperwork ( 3rd time around I think? ) to our home property address, which we did not receive as it was not forwarded by our renters. 

XXXXwe send a fax to XXXX appeals intake, requesting them to send the paperwork yet again, they never did. 

XXXXthey transfer the loan to real-time resolutions and we have such a horrendous impact on our credit its almost worse than bankruptcy. 

This account should have been modified and would not have been needed to be transferred off to XXXX XXXX 


It was like getting stuck in a loop. We would provide and sign whatever next paperwork or evidence they requested, and then we would get something else that they said they needed. It took so much energy, they seemed determined to bury us in paperwork and confusion rather than give us the modification. I gave up. 

Included for consideration is the various documents from XXXX XXXXXXXX XXXX indicating we had successfully completed modification, as well as correspondence that demonstrates the diligence with which we tried to resolve the matter. 
Included : All the documentation that our loan was modified from XXXX XXXX XXXX. 
Copies of correspondence showing the diligence in which we attempted to resolve this account. 
Proof of the payments to fulfill the trial modification period through our bank statements.
Product: Mortgage

I applied for forbearance with Cross Country Mortgage at the beginning of XX/XX/XXXX. This was due to loss of employment and loss of unemployment benefits. 

At that time I had to submit several documents to validate my situation. When I submitted documents, per company communication, it was to take no linger than 7 days for them to be reviewed. It took 3 times longer, an average of XXXX weeks to be reviewed. This caused me to not get communication on what other supporting documents were needed. Finally in XXXX XXXX  they deemed that application completed. 

The application was supposedly submitted to underwriting in XXXX for approval. I was originally told it would be approximately XXXX days to get an approved. I kept following up and found not get an answer. They just kept telling me we dont have an answer yet, follow up with us in a couple of weeks. 

Time kept going by, I called every week. Here we are at the end of XXXX XXXX XXXXnd its still not been deemed approved or complete. I was also told by their employees that this would not effect my credit. It did and theyve been reporting late payments to my credit. I was told they were going to remove the late payments but they never did. 

I started keeping track of the employees I was speaking with just to have a record. 

I have gotten so much conflicting information. They seem to be extremely behind on their work and very disorganized.
Product: Debt collection

This is in regard to complaint XXXX. I requested debt validation from Szuba & Associates and they have taken over 30 days. My signature was forced and the attorney XXXX XXXX is stating that I signed when I had no knowledge of a court date. I am attaching a copy of the letter that I have sent this company as well as the letter that this company has provided to me. If they were truly hired to collect this debt it shouldnt take this long to provide the documents I am requesting.
Product: Credit reporting or other personal consumer reports

My Equifax report was impacted because of the XXXX Data breach. And there were many accounts that came onto my report that did not belong to me. I submitted my dispute with Equifax and also submitted my FTC report and they did not abide by section 605b the items should have been removed within 4 days. 

The dates of the disputes are XX/XX/XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX {$0.00} I disputed these accounts and sent in the FTC report. After the XXXX XXXX I called in they told me they couldnt verify my FTC report which is why the accounts were still under investigation. This is a lie because my FTC report is indeed accurate and right from the FTC website. This has made a horrible impact on my life and has stopped me from being able to do many things that were planned to be done on behalf due to these fraudulent accounts. I just want these items to be removed sooner than later so I can get on with my life.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  was reported to credit bureau for over the limit. I did not charge over the limit and it was {$8.00} due to their interest incorrect charges. Spoke with XXXX supervisor at XXXX XXXX XXXX. She said I was outstanding customer and never late of over the limit. I also told her we were Declared A Natural State of Disaster by President Biden XX/XX/XXXX due to Hurricane Beryl which devastated everything, people lost homes, cars, loved ones, weeks without power, still cant get into homes. etc. Due to this XXXX said she would give me an increase on my card and send to have over the limit removed. the ref # XXXX. Have not heard back. This took my credit down XXXX points for interest incorrect. I worked hard and already been through enough and will need my credit to get into another place when they are ready from hurricane. It should not have been reported because I had paid it as soon as I saw it and called them.
Product: Vehicle loan or lease

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which WELLS FARGO DEALER SERVICES is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. 

I never received any response from them and they did not update the credit report as disputed. 

WELLS FARGO DEALER SERVICES is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent accounts information which is in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy