23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in accourdance to graham leaked dliley act my privacy rights have been violated. I have a right that my private information is not shared with a third party persons. ( XXXX XXXX XXXX XXXX XXXX ) didnt ask my permission to share any of my information to a third party nor did i give written permission to do so which is required by law. 
-15 USC 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. My balance, the date i required such balance and what bank i required that balance from is not public information so should never been reported to Experian 15 USC 6802 ( B ) - ( 1 ) ( a ) ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted. That such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 6802 ( C ) states a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. Experian by having such information reporting on my consumer report you are there for violating my rights to privacy.it is your job to investagate anything that is reported before putting it on my report.its your job to be impartial while making sure my fair and report is fair, accurate and my privacy is respected.

15 USC 1681 ( L ) states Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. You guys have also violated that.
Product: Credit reporting or other personal consumer reports

An account with XXXX XXXX is reporting on inaccurately with TransUnion, XXXX and XXXX. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History to my credit report. 

All inaccurate information is highlighted in the attached document for you review. 

TransUnion is not reporting a payment history ; XXXX is reporting a repossession and XXXX is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.
Product: Money transfer, virtual currency, or money service

I tried to withdraw a bitcoin from Coinbase, the transaction statue got stuck in pending.  There's no record of the transaction processing.  I've tried to contact Coinbase regarding the issue to get a refund, but have failed to hear anything back from them.  I had a similiar issue two weeks ago that caused me to miss out on a buying opportunity.
Product: Credit reporting or other personal consumer reports

I have requested investigation that my credit report is inaccurate. Investigation came back as un-verified XXXX XXXX account and its NOT on my report and has been deleted, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, A settlement was mailed and initiated in the form of a cashiers check. This check had a label that identified its intentions and specific term of the settlement. ( See attached ) On XX/XX/XXXX, XXXX XXXX XXXX deposited the cashier check into their bank account. XXXX XXXX XXXX breached the contents of the settlement by refusing to abide by term # 1 and term # 2 listed in the agreement. XXXX XXXX refused to remove the account listed as charge off by the time implicated in the agreement. Currently, all three credit bureaus list the account as a negative account, under charge off status. On my Experian Credit report XXXX XXXX falsified the account number to keep the account in Negative standings, and this account is listed as " settlement accepted ''. On my XXXX credit report, First list this account as a " Charge Off ''. On my XXXX account, XXXX XXXX list my account as a opened account in " Charge off '' status. On XX/XX/XXXX @ XXXX MST, I called the Collections team @ XXXX to alert them to the negative still standing on my credit. I was told by a representative named XXXX-ID # XXXX, in the SOP Collections Dept. That they " don't care what my settlement stipulated or said, they do not honor a pay to delete ''. These willful, malicious acts of negligence also is a direct violation of the FCRA [ 15 U.S.C. 1681s-2 ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hereby dispute the validity of the alleged debt listed above Entirely, I also request verification of the alleged debt, Spectifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, TRANSUNION AND XXXX. You must Cease Collection efforts until this alleged debt is validated you must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX
Product: Mortgage

Applied for XXXX XXXX XXXX XXXX XXXXXX/XX/2022 after falling XXXX XXXX behind after our XXXX forbearance ended. Was informed by the servicer, Dovenmuehle Mortgage Inc ( XXXX ), that some documents were missing ( documents that the application clearly stated were not required for the hardship reasons we selected ) or incomplete ( which were actually clearly marked and answered ). We promptly faxed those and were told everything was complete and would be reviewed within the XXXX XXXX legally required. It has been almost XXXX XXXX and we are still being told the application is under review. We have called numerous times and asked to speak with the single point of contact required to be available to us. We have never been able to speak with this person. All of the communication regarding this situation has been initiated by us. DMI has never called, emailed, or mailed us any communications regarding this. 
We were also informed by XXXX of the various representatives that weve spoken to since we can not reach the single point of contact, that we could not continue to make payments while under review. This contradicts the information provided in the loss mitigation application and has resulted in our past due balance continuing to grow. 
They have failed to review the application within XXXX XXXX, have lost documents, and failed to provide us with a single point of contact that we can actually reach. These acts clearly go against the XXXX  servicing requirements as well as violates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : US DEPT. OF EDUCATION/XXXXL The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

There was an apartment placed in my name. Information was stolen and I was unaware until it popped on my credit. There is a huge balance of {$16000.00} reported on XX/XX/year> from XXXX XXXX. The collection company is IQ DATA INTERNATIONAL IN
Product: Credit card

On the XXXX  of XX/XX/XXXX at about XXXX my Apple Card was charged {$430.00}. I was coincidentally awake and activated the chat feature on my phone. I told customer support that my credit card had been compromised and requested a replacement. They removed the charge from my account and started an investigation ( XXXX ) I was also told to change my password and login information, which I did. 

On XX/XX/XXXX ( again in the middle of the night ) the charge reappeared on my card saying that it had been validated. I immediately contacted customer support again to reassert myself. ( XXXX ) After waiting almost 3 hours the customer support rep removed the charge from my bill again, however I have still been unable to get more information about where this charge was supposed to have been made and under what conditions. I have no Idea if my card is still compromised or if the issue has been resolved. I have included screenshots of the exchanges I had with Goldman Sachs customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$5400.00}
Product: Credit reporting or other personal consumer reports

My dispute can not be turned into a 30 day dispute and must be removed within 4 days under Section 605 B. My identity has been stolen. These accounts are a result of identity theft and must be deleted immediately.
Product: Bank account or service

Wells Fargo put me on the hotlist because the person who stole my identity opened an account with my identification information and a different social security number to compromise and imbezzle funds from our company. When I found out I was applying for a business account. I filed an identity theft complaint and someone was supposed to get back to me yet I have still have not received a phone call
Product: Mortgage

I'm filing this complaint today to bring to your attention the recent actions of Flagstar Bank - In XXXX of 2021, I submitted a loan modification packet to Flagstar, after losing both of my parents to covid and incurring a rather large financial setback ( funeral expenses ). My request was assigned to a XXXX  and at that time, I was told that one of the options was a deferment, because FHA loans prohibited the homeowner from reapplying for a modification for 2 years, but that they would review all workout options. 



In XXXX, I called to check the status of the paperwork and was told that it was sent and would be arriving in 10 to 15 days. I was also told that it could take longer because they were behind on the paperwork due to several homeowners in forbearance. I continued to call in for several weeks speaking to several managers and hardship task force supervisors stating the same thing, we are behind in the paperwork from the investors. 



This went on until the end of XXXX when I was told that my deferment was denied back in XXXX, due to the date my loan went into forbearance. I explained my story and how I repeatedly checking the status of the deferment and was NEVER told that it was denied, but nothing was done to correct things Once again, I reengaged Flagstar in XXXX and RE-submitted all documentation. Our file was formally opened for review on XX/XX/XXXX and during the process of review, Flagstar repeatedly gave me conflicting information regarding the status of my request. 



On XX/XX/XXXX, I was informed that I was approved for a TRIAL PAYMENT PLAN on XX/XX/XXXX and that all that needed to be done was to make the initial payment on XX/XX/XXXX and the plan would be engaged. 



On XX/XX/XXXX, I called them to ask where the paperwork for the TRIAL PAYMENT PLAN was and asked that a copy of it be emailed immediately. When I received the email, the documents weren't for a Trial Payment Plan, in fact, they were for a USDA Farm Loan Deferment Agreement. To date, no one has been able to explain when/who converted my FHA loan to a USDA Farm Loan . This information CLEARLY conflicts with their response to my Modification request in XX/XX/2021 ( where I was told that I couldnt apply because of FHA loan guidelines ). I've requested, numerous times, for a notice of transfer or notice of new service or letter from them and they have refused to provide me with one. 



Not only this issue, but on XX/XX/XXXX, I was told by my XXXX that my NEW payment was increased by {$40.00}, due to a recent Escrow Analysis. Further investigation showed that the most recent escrow analysis was performed on XX/XX/2021 PRIOR to the latest approval for workout. NO analysis has been performed since then and, once again, Flagstar seems to be operating on deceptive business practices.
Product: Debt collection

prior to XX/XX/2018 i had recieved several robo calls from amsher collections then from XXXX XXXX XXXX XXXX. finally after 5/6 times of telling XXXX XXXX not to call me the calls stopped. i did not give them permission to call my cell phone. i did not give permission for amsher collections nor XXXX XXXX to give my personal information to personnel i do not know. 

amsher did not tell me they were putting the alleged debt on my credit report. i disputed the debt and it was not removed. 

Prior to XX/XX/2018, representatives from XXXX XXXX XXXX XXXX has threathen to sue, garnish wages and bank account. 

prior to XX/XX/2018 i tried to make payment to XXXX XXXX but they wanted to charge me a XXXX fee for using my credit card. i called yesterday and made a payment under the condition the collection will be removed from my credit report. the XXXX XXXX representative stated the collection will be removed.. he said i had to call amsher collections amsher collections said they will report to the credit bureas but collection will remain. XXXX XXXX said collection will be taken off. i told amsher i only made payment as a condition of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date :XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date :XX/XX/2020-Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 attempted on many occasions to repair my credit even joining XXXX XXXX XXXX XXXX, requesting my credit report and other credit reporting agencies such as XXXX XXXX or through my bank portals XXXX and XXXX XXXX. 
To this day no matter the disputes filed with credit agencies such as transunion, primarily XXXX and XXXX. There have been no changes or updates. I cant get approved for credit. I feel discriminated against. All my attempts are not considered or resolved. I find that all three of these credit agencies are scamming people into becoming members of their repair agencies in the guise of credit repair and only collecting membership fees with no real intent to improve those ratings, statuses or information that has been collected and used inaccurately. I am consistently denied any actions on my disputes or the information is inaccurate old and worse completely false. My credit score should be so much higher and yet it reflects items that have been paid that state charge offs collections and lack of credit. Which how can you disapprove someone for lack of credit yet deny them the opportunity to obtain it. 
I deserve the right to have fair and equitable opportunity for credit whether it be through a loan, credit card or any other form. And I have also reported that my identity was stolen no investigation was made and no resolve of the matter either. I understand you are suing the credit agency. I believe that is absolutely the best form of action at this point because they are not doing anything for us but denying us our fair and equal rights to credit. They are in fact discriminating against us with their inaccurate reporting and lack of accountability for what is being requested as citizens. Please continue to move forward with your attempts and actions and know the public agrees with complaints and attempts for accountability.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX : Improper Repossession Practices of XXXX XXXX XXXX VIN # Dear Sir/Madam : This is a written statement to notify you of a Violation of the Fair Debt Collection Practices. 

On the afternoon of XX/XX/XXXX ; I was approached by my neighbor while walking from the mailbox located on the street corner. My neighbor ( female ) who resides at XXXX XXXX XXXX ; stated that she was outside in her yard when she noticed a tow truck driver ( XXXX male ) pulled up and was sitting directly in front of my home located at XXXX XXXX XXXX. She stated because he could not visibly see what cars was at my residence ; due to the garage door being closed. He yelled to get her attention and asked information regarding the residents living in my home and if she saw a grey XXXX XXXX. She asked him what business is it to you, and he told her he had a work order to repossess a XXXX XXXX. She told him that was none of her business and continued what she was doing. She told me he began asking other people outside about the car. She noticed after a few minutes went by the tow truck driver pulled off. My neighbor advised told me to please keep my garage door closed. I immediately advised her that I had nothing to hide and will contact the lien holder on Monday. 

Therefore, on Monday, XX/XX/XXXX at XXXX XXXX. ; I called Credit Acceptance Corporation at XXXX and spoke to Mr. XXXX at Extension XXXX. I advised him that some tow truck driver ( XXXX Male ) was asking my neighbors about the XXXX XXXX XXXX and had the audacity to state he was repossessing the car. I informed him how humiliating it made me feel to have my neighbors knowing my personal business. I told him if the driver would have knocked on my door ; I would have given him access to the vehicle. He proceeded to take down my statement and assured me he would escalate my complaint to a supervisor and have the vehicle picked up immediately. 

Furthermore, Im requesting a full investigation into this unethical business practice of this company. As a result of this unethical violation ; Im seeking to have this improper seizure and debt removed off all credit bureaus and seek damages. The creditor did not notify me in writing and/or by phone of the repossession. I was not notified of this debt and/or repossession until after Credit Acceptance received possession of the vehicle and my letter notifying them of this debt. As of this date, my letter has not been responded to by the creditor. I greatly appreciate your assistance in this matter and look forward to your prompt response. 



Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I have been denied a car loan because of the inaccurate reportings from the credit reporting agencies. I am asking that they provide the proof of their reportings. If they can not prove those inaccurate late payments and accounts they should be removed immediately
Product: Mortgage

XXXX XXXX submitted documents for a loan modification via email on XX/XX/2015. Ocwen confirmed receipt of documents and stated a review had been opend. on XX/XX/2015 ocwne Stated nothing was needed. On XX/XX/2015 ocwn stated they needed a date of when hardship started. That info was given to them that same day. XXXX was called on a daily basis. Nothing was needed from them and the file was under review. On XX/XX/2015 Ocwn called and stated they would not review the file any further as the sale date was too close. They stated that there was missing info which was the date of hardship and that is why they could n't review the file. That info was given to them same day it was requested. Ocwen is refusing to assist the homeowner per XXXX XXXX and per supervisor XXXX XXXX. Ocwen is discriminating against XXXX XXXX because she is XXXX. Ocwn is discriminating against her based on her race, national origin and sex,. Ocwn needs to treat her file as any other file and properly review the file.