23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In regards to the original complaint # XXXX that was closed before the appropriate feedback response that I attached was provided. The appropriate requested resolution has not been reached under HUD XXXX. 
In response to the XX/XX/XXXX SLS response on complaint # XXXX please note below. XXXX ) The Agreement ( offer ) that was sent on XX/XX/XXXX was invalid as the FHA loan was still in CARES ACT Forbearance period. 2 ) As Forbearance was ending XX/XX/XXXX, there was a need to come to an agreement with Mortgage relief options established in the CARES Act which fall under FHA XXXX XXXX waterfall for FHA-insured Loans XXXX The appropriate XXXX Recovery options were never sent in compliance with the FHA XXXX XXXX Loss Mitigation Options before the XX/XX/XXXX Letter. XXXX ) Therefore, Letter that was sent on XX/XX/XXXX, was a form of illegal discrimination under the Fair Housing Act and did not comply with the CARES ACT and/or HUD Law Recovery requirements. XXXX ) SLS claims they responded appropriately to inquiries when in fact XXXX ( HUD ) had an outstanding inquiry we were awaiting response to the on the XX/XX/XXXX letter that were never responded to by SLS. There was an inquiry made by XXXX XXXX HUD ) regarding the if the interest rate could be adjusted to be in line with a previous interest rate offered of 3 % for XXXX Months. XXXX ) The letter on XX/XX/XXXX, saying no longer being reviewed should have not been sent at this time as the SLS did not provide the appropriate response to the outstanding inquiry prior, and a good faith payment was made. XXXX ) The Letter from XX/XX/XXXX was not another modification agreement that complied with HUD XXXX it was a Stand-Alone partial claim. XXXX ) Again, the SLS letter from XX/XX/XXXX was not modification agreement that complied with HUD XXXX it was a Stand-Alone partial claim. XXXX ) In the letter dated XX/XX/XXXX SLS said they left a message with my authorized party XXXX ( HUD ) on XX/XX/XXXX in which I was never notified by the HUD office by phone or email. In addition, I never gave SLS the authority to contact XXXX ( HUD ) by outbound call if that is the case. She was added to call inbound for information on the account. They should be calling me on the number listed on the account unless directed otherwise. I also sent this follow up request to SLS Fax which they received on XX/XX/XXXX XXXX. XXXX ) Please have SLS send the appropriate Modification in compliance with FHA HUD XXXX ( Includes Modified Payment + Partial Claim ) not a Stand-Alone Partial claim. A XXXX XXXX XXXX Modification would establish an affordable monthly payment, resolve the outstanding mortgage payment arrearages, and permanently modify the first mortgage monthly payment so the Partial Claim can eventually be paid off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account # XXXX. Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I sent a letter on XX/XX/year>, asking them to reinvestigate this account XXXX XXXX XXXX # XXXX is my tracking # XXXX I got the investigation back, but nothing was updated or modified.

So I requested a description of the reinvestigation and they did not provide me with one which is a violation of 15 USC 1681 i ( 7 ).

They also violated 15 USC 1681 i ( 5 ).

Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX called and Disputed XX/XX/2023 My name is copyrighted and Name held in trust i informed them that the are infridging on my rights. I have a FOIA request andXX/XX/XXXX of the XXXX im not in that jusdiction so that is defarmation and discrimination and identity theft of my property held in trust. I have POWER OF ATTORNEY IN FACT A FEE SCHEDULE AND FOIA REQUEST THAT SHOWS NO ONE IS TO BE USING MY INFORMATION WITHOUT MY CONSENT AND I NEVER CONTRACTED WITH XXXX XXXX OR XXXX SO ANY THING LISTED IS A VOILATION OF MY NATURNAL RIGHTS AND FRAUD. XXXX HAS MY PROPERTY IN A DATA BREACH AND MY INFO IS BEING USING IN FRAUD. PLEASE CONTACT AND I WILL PROVIDE ALL NECESSARY DOCUMENTATION LISTED AND MY INTERNATIONAL PROTECT PERSON ID. 

ALL MY RIGHTS ARE RESERVED USC 1-308 31 USC 3123
Product: Debt collection

I was contacted by a collection agency for defaulted student loans. I was offered rehabilitation in XXXX XXXX. I agreed and was sent paperwork to sign and return and an automatic payment was set-up. In XXXX XXXX I was contacted and told my loan agreement was not returned. I again mailed the paperwork I had received from the agency. I thought that this was strange because my income/expense information and my payment information were both " received '' and in effect at the time of the call in XXXX. In XXXX XXXX, I was contacted again by the same agency and told that my loan was not in rehabilitation because my paperwork had not been received. I had at this point made XXXX consecutive payments. I agreed to re-sign and submit the documents again. I did so. My new address ( across the country ) was shown on the documents I electronically signed. I was contacted again in XXXX. XXXX. I was told again that my documents had not been returned and that I was not in rehabilitation. At this point, I have made XXXX consecutive payments. The agency sent my " loan agreement '' ( which is the most important document of the bunch ) to my former address even with my correct address on the income/expense and other documents. I am trying to qualify for a home loan and I show that I am still in default. The agency wants me to re-sign the documents for a 3rd time in order for me to begin the rehabilitation process. By the time it is finished, assuming that this time they will send me ALL of the documents I need to complete this program, it will have taken me XXXX months to " complete '' the rehabilitation process. The agency is telling me now that my options are to try to begin again and they have assured me that I will get all of the documents " this time '' or to pay the full balance and still have the default notation which may prevent me from being able to qualify for a home loan until another 9 months has passed or even longer to wait for the notation to be removed. I was told that if I had returned the " loan agreement '' then this would not be a problem. But I do n't think I have ever been sent one. This agency sends documents to " qualify '' for the program including setting up a payment then is supposed to send a " loan agreement '' to be signed and returned. However the only things I have received from this agency are the " qualifying '' documents and the monthly notice of the payment.
Product: Student loan

I really need someone to look into where my refund is and providing an actual status. I submitted my request in XXXX and EdFinancial seems to have no idea where it is and is blaming XXXX XXXX. It has already been passed the XXXX XXXX XXXX. That is absolutely absurd. 

XXXX XXXX  filed their refund request XXXX XXXX after I did and had a completely paid off loan and have already received their refunds. 

It should not be this hard to provide an update to where the money is. Has it been processed? When can I ACTUALLY expect it? The XXXX XXXX XXXX XXXX doesn't apply since that has already passed. 

This my XXXX attempt trying to get some information because customer service is not helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX Account Name : XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have found fraudulent account on my report XXXX XXXX XXXX  with the account number XXXX opened on XX/XX/year>. Delete this account from my credit report.
Product: Debt collection

I purchased furniture by conn 's home plus. Every since the day of purchase they have been saying they are going to fix. Still has not been fixed. They applied for me some kinda of loan through the bank. The bank just reported to my credit 30 days past due even though the merchandise from the company is not usable. How is that legal to sell broken items and be charged for it???
Product: Credit reporting, credit repair services, or other personal consumer reports

A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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. 

XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. XXXX and Experian, being consumer reporting agencies, hold a significant role in safeguarding our private information. 

Under 15 USC 6801, it is the Congress 's policy that financial institutions must continually respect their customers ' privacy and protect the confidentiality of their nonpublic personal information. The term " Furnisher of information to credit agencies '' falls under the definition of a financial institution within this framework.

Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can furnish a consumer report solely in accordance with the written instructions of the consumer to whom it pertains. Neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies, XXXX and Experian, have obtained my written consent to furnish this information. Therefore, all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) never informed me of this right to exercise nondisclosure. 

In direct violation of 15 USC 1681C ( a ) ( 5 ), XXXX and Experian are reporting adverse account information without my permission, which is prohibited by law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) clearly states that any person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Equally important, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. XXXX and Experian appear to be falling short in maintaining these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, a consumer retains the right to opt out at any time. I am formally opting out of your reporting services. 


Account Name XXXX XXXXXXXX. Account Number. XXXX Account Name XXXX XXXX XXXX. Account Number. XXXX 
Account Name XXXX. Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Military Star and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : AAFES/MILITARY STAR Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX XXXX
Product: Debt collection

On XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that ALDOUS AND ASSOCIATES had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$230.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. ALDOUS AND ASSOCIATES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Synchrony Bank ( Amazon Credit Account ) closed my account without warning, the only way I found out was because I tried to purchase something and was declined. I asked them why they closed it and they said because a payment was returned. It was returned because of fraud on my bank account but they said a closed account can not be reopened. I have had the Amazon credit account for 7 plus years, great payment history, paid the balance off several times over the 7 years used it all the time and they still closed the account for a payment being returned when it was not my fault. They are by far the worst company to get a credit card through.
Product: Vehicle loan or lease

Forced into putting down payment withholding of information changing the format of the original contract, selling my contract Not accepting bill of exchange
Product: Credit reporting or other personal consumer reports

There is an account currently on my Equifax credit report listed as XXXX XXXX - XXXX BANK. This account does not belong to me, and I'm not legally responsible for this account because I was only added as an authorized user. On XX/XX/XXXX, I asked the owner of the account to remove me as an authorized user because the account had negative data attached to it and it was affecting my credit rating. The account owner removed me that same day, and I received an email confirmation of this removal from XXXX XXXX - XXXX BANK via email. I've attached a copy of this email for your reference. 

I opened up my first dispute with Equifax on the same day I was removed as an authorized user on XX/XX/XXXX. I requested that the account be removed from my credit report because it didn't belong to me and I was not legally responsible for the account. The confirmation number for that dispute is XXXX - opened on XX/XX/XXXX and closed on XX/XX/XXXX XXXX- opened on XX/XX/XXXX and closed on XX/XX/XXXX XXXX- opened on XX/XX/XXXX and closed on XX/XX/XXXX XXXX- opened on XX/XX/XXXX and closed on XX/XX/XXXX XXXX- opened on XX/XX/XXXX and closed on XX/XX/XXXX XXXX- opened on XX/XX/XXXX and closed on XX/XX/XXXX Equifax responded to all of my disputes, saying, " They verified the account belonged to me and sent me an updated copy of my credit report. Ironically, on the same credit report, under the section that says " whose account '' it says " association terminated '' which further confirms that this was an authorized user account that I am no longer associated with. This contradicts their investigation results, which said the XXXX XXXX  - XXXX XXXX account belonged to me. 

I've attached a copy of their last investigation report response and the credit report section showing the credit account that should have been deleted. All of their results were the same, so for time sake, I'm only attaching one.

I've given Equifax six different opportunities to conduct a thorough investigation and ultimately remove this account. They have failed to uphold the FCRA on all levels by allowing an account that doesn't belong to me to remain on my credit file. This has affected my credit score and ultimately put me in a position to get denied new credit and higher interest rates. I submitted disputes for this same account to XXXX and XXXX and they removed the account immediately after seeing that I was not liable and was only an authorized user. 

I considered submitting another dispute, but with the way they handled their previous investigations, I expect more of the same from Equifax. 

Attachments : XXXX. Email from XXXX confirming that I have been removed as an authorized user 2. Copy of Equifax dispute results dated XX/XX/XXXX that say we verified this account belongs to and also shows an ownership status of association terminated 3. Letter being sent to Equifax legal department dated XXXX