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

In accordance with the fair credit reporting act XXXX  account # 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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notification that there was a XXXX XXXX account in collections reporting on my credit report. 

On XX/XX/XXXX, I immediately contacted all 3 credit bureaus to dispute the XXXX XXXX account as identity theft and a fraud alert was placed in my credit file. 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating I am not responsible for this account as it was the result of identity theft, and they notified XXXX, XXXX, and TransUnion. 

By XX/XX/XXXX, XXXX  and XXXX had promptly removed any record of that account from my credit reports. 

I received a notification on XX/XX/XXXX that TransUnion is still reporting the fraudulent account on my credit report, hindering me during the underwriting process for my mortgage. I spoke to 5 dispute representatives on XX/XX/XXXX from XXXX to XXXX - each one would not provide any resolution to this matter. XXXX XXXX stated TransUnion was required to remove this collection account once receiving notification, and they had 24 hours to do so. This should have been removed by XX/XX/XXXX, as XXXX and XXXX  had removed them. I now have to send them another round of additional documentation that this account is fraudulent.
Product: Debt collection

Reporting negatively on my credit that I owe them money for an account that I have no knowledge of. I have disputed with the credit bureaus and this company has reaffirmed that they have a debt. They have never contacted me regarding any debt and I have no knowledge of this company or of any debt with which they represent or are reporting.
Product: Mortgage

I have been trying to straighten this out since XXXX. Homeowner insurance and flood insurance was obtained by NewRez in error. Money has been taken out the escrow account and paid to insurance company. I was told that the issue would be resolved within 48 hours first on XX/XX/XXXX and most recently on XX/XX/XXXX and as of today still no resolution. NewRez sent letter requesting proof of insurance in XXXX. We provided proof of insurance 3 times ( once by fax XX/XX/XXXX and 2X via email ). XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. It has been confirmed that this proof was received. And this problem is still unresolved. Homeowners and Flood insurance was obtained by lender in error as we already had insurance ( liability insurance - house was demolished after superstorm XXXX also provided proof of this ) and provided them proof. Money was taken out of our escrow on XX/XX/XXXX {$730.00} and {$78.00} and again on XX/XX/XXXX {$140.00} & {$14.00}. I rec 'd letter form NewRez stating that insurance was canceled on XX/XX/XXXX. This money needs to be refunded. There is one more payment due on this loan.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! 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

XXXX XXXX has reported to credit rating agencies that I had late payments for a credit card account that I did not know existed. 

In XX/XX/XXXX, I bought 2 pairs of pants for {$74.00} at XXXX XXXX. At the checkout counter, the cashier asked me if I wanted to get an XXXX XXXX card which I thought was a Rewards Card ( not a credit card ). I said OK and then was asked to provide my XXXX XXXX card and I assumed that the purchase was going on my XXXX XXXX card. 

I never received an XXXX XXXX credit card and I never received any bills from XXXX XXXX 

In XX/XX/XXXX, XXXX XXXX  sold the account to another lender. 

In XX/XX/XXXX ( over 9 months later ), I first became aware of the XXXX XXXX credit card account when a copy of the XX/XX/XXXX bill was provided to me by the lender that purchased the account. I immediately settled the account in full with the new lender. I also observed that the copy of the XXXX XXXX bill had an incomplete address which is the likely reason that I never received any bills from XXXX XXXX. 

On XX/XX/XXXX, I began the application process for a mortgage on a condominium purchase and was shocked to learn that my credit report contained a number of negative items such as late payments and charge off status. These items were all from the XXXX XXXX   credit card account that I never knew existed. I have always prided myself in paying all my debts in full before their due dates and was expecting to see this reflected in a strong credit score. Instead, the XXXX XXXX credit information has negatively impacted my score in a significant way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a serious error on my report. they are being negligant with correcting this error and now banks are denying me credit I need to operate my business.
Product: Debt collection

Afni debt collections Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX I have never had a agreement in writing with this company and they have put a collection on my Credit report that is not mine for amount {$590.00} date reported XX/XX/XXXXall 3 credit bureaus
Product: Credit card or prepaid card

On or around XX/XX/2023 I applied for a XXXX XXXX XXXX XXXX XXXX XXXX Credit card issued by COMENITY BANK. I had credit freezes in place at all 3 credit bureaus at the time I submitted my online application ( https : //d.comenity.netXXXX ) which resulted in my application not being automatically approved. 

COMENITY BANK makes it impossible to speak to a human to discuss your application status. All of the customer service representatives do is send you to a pre-recording telling you they won't provide you any help about your application and to refer to your letter. 

The problem is that USPS mailman lost my letter and NEVER WAS DELIVERED ; although I have attached evidence from USPS informed delivery that it was meant to have been delivered... so I know they sent me a letter but I find it extremely ridiculous that nobody will speak to me or even give me the option to request a copy of the letter that was mailed to me with some decision information.

As it stands ; USPS has lost my letter. I do not know if XXXX XXXX  intends to approve my account but it is waiting on some identity documents in order to approve my application ( my credit score is XXXX ). I have the right to receive a copy of any letter regarding my application and this company/bank makes it impossible to discuss with a human the problem that you may have and they send you back to the XXXX before the age of the internet by not providing information electronically as any other bank. 

These do not feel like appropriate business practices and I seek the assistance from the CFPB at resolving this matter. The bank should not be withholding information about my application in unreasonable ways such as their current practices. My excellent credit shouldn't result in a denial either.
Product: Debt collection

I received multiple debt collection letters via mail claiming a medical debt that I allegedly owed from PHOENIX FINANCIAL SERVICES dating back to XX/XX/XXXX. I do not owe any debt to PHOENIX FINANCIAL SERVICES or anyone they represent nor am I in any contract with them or anyone they affiliate with. I did not give PHOENIX FINANCIAL SERVICES or anyone else consent orally or in writing to obtain or share any of my personal information pursuant to 18 USC 1028. They repeatedly were in violation of my rights as a consumer pursuant to 15 USC 1692. I mailed them an Affidavit, Bill of Particulars ( Invoice ) and a Cease and Desist. I informed them that upon receipt they had 10 business days to respond with my specified remedy. PHOENIX FINANCIAL SERVICES received my notices on XX/XX/XXXX and have yet to respond as it is now XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to request information on a particular derogatory account listed on all 3 credit reports for the past 3 months and have not received anything from the company nor the credit bureaus. I do not recognize it so I asked for a debt verification and never received anything. I've sent out a letter monthly to the company as well as XXXX, XXXX, and XXXX and have not gotten any type of correspondence. There is an account listed by a collection agency called Eastern Account Systems in the amount of {$310.00} and {$86.00}. I do not know who they are. I do not mind being held accountable for a debt, but at least show me that you have proof of ownership on these alleged debts. I have also provided a screenshot the date on the word documents for proof to show when these letters were typed.
Product: Mortgage

My bank is setup to make automatic mortgage payments on the 2nd of each month. 

These automatic payments include a second check for additional principal payments. 

As requested by the mortgage company the check memo clearly says additional principal. 

The mortgage company received both checks on the XXXX, both checks cleared our bank on the XXXX and the mortgage company refuses to apply the extra principal payment until the following month. 

This is causing us to pay more interest and does not reduce our principal balance correctly. 

We have complained several times in the past.
Product: Payday loan, title loan, or personal loan

While on the lendingtree.com web page i was seeking an installment loan, I was re-directed to XXXX, who presented itsself as a genuine loan company. I followed the procedure,, then XXXX wanted my bank rt # and acct # to proceed, i supplied them with the information, believing they were the financial co that would be processing my loan, only to find out that i will need to supply them with my credit score from a credit resource they are affiliated with, for absolutely no cost, When i get to the XXXX  XXXX XXXX XXXX i find out i can not proceed with my loan request untill i submit my credit card info and pay {$1.00} for the credit report, i submit the required {$1.00}, I see the report an then am put into a forced agreement telling me that i have now purchased a {$39.00} per mo credit XXXX product and the only way out is to phone them within 7 days to cancel. I immediately stay on the site and search for the telephone # to cancel. after A WHILE ii find it and cancel. so now i have no credit report, my banking information was fraudlentuly required by XXXX. and u don't have a clue why they require it, a waste of multiple hours, leaving myself open to identity theft. and I want Lending Tree to change their policy 's concerning, where customers are directed to when they think they are dealing with a reputable company represented by Lending Tree. Thank You
Product: Vehicle loan or lease

Navy FCU approved my hardship request to prevent my account from being reported XXXX or more days past due but did not process it until my account was reported XXXX  days past due. 

On a recorded line, I informed Navy FCU that I am experiencing financial hardship due to total permanent XXXX and requested to be placed in a hardship plan in XX/XX/year> prior to my XX/XX/year> payment becoming XXXX or more days past due. An automatic payment, which I didn't approve, was debited from my bank account on XX/XX/XXXX which brought my account current, even though the payment was returned by my bank for insufficient funds. The representative approved my hardship plan request but would not process it until Navy FCU 's system registered my XX/XX/XXXX payment as returned. His delay in processing my hardship plan enrollment caused my account to be reported XXXX or more days past due. 

He should have processed my hardship plan enrollment the day I requested it and it was approved. That would have prevented any adverse reporting to the credit bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, a dispute was filed against Comenity. The report number is XXXX and I have no reason to believe that an investigation was done. Comenity has not updated the remarks to indicate that any true investigation was conducted. Account Number XXXX has not been investigated and has VIOLATED the FCRA 605- indication of dispute by consumer. attached are the dispute proof and how the account is currently being reported.
Product: Mortgage

On XX/XX/2021, I first notified CBC Mortgage/Chenoa Fund of difficulties I was experience with a lender that the approved to use their Chenoa Fund XXXX XXXX XXXX mortgage and asked for assistance. 

The company ignored this email. 

On XX/XX/2021, I sent a follow up email, advising CBC Mortgage of my situation and of the complaints that had since been filed with the CFPB and AZ Dept of Insurance and Financial Institutions, where the primary lender/loan officer is located. 

I sent a third request to XXXX Mortgage on XX/XX/2021, with even more information and additional supporting documentation of the serious issue at hand with the original mortgage. 

I have since then called and spoken with XXXX XXXX, who advised that the company denied my request to have them remain in the subordinate 2nd lien position while I refinance my loan, as suggested by AZ Dept of Insurance and Financial Institutions to rectify the issues surrounding the original mortgage settlement. XXXX has not provided any additional information as to why my request was denied, even though I both called and emailed requesting for a specific reason that my request is not inline with their own policy, as it appears to be the exact situation their policy covers. 

I believe that I am well within compliance for the policy to receive an exception from CBC Mortgage to have them remain in the subordinate 2nd lien position as I refinance as it has been discovered discovered that the original loan has a loan defect, and according to their own policy, CBC Mortgage would subordinate to this refinance, as a cure to the defects in the original loan. 

The defects and neglience of the original lender/loan officer has been documented and reviewed by AZ Dept of Insurance and Financial Institutions and the original lender themselves ( XXXX XXXX  ), agree that there were defects in the handling of the original mortgage loan and settlement. The original lender, has so far corrected some of the defects, and covered expenses to do so and we are hoping they will continue to do more to correct the remaining issues.

CBC Mortgage/Chenoa Fund seems to not hold themselves accountable to their own policies and I am asking another government entity to review and intervene.
Product: Debt or credit management

I obtained help from XXXX XXXX GRT ( XXXX ) Financial to assist me with debt consolidation around XXXX of XXXX. I was under the impression that they would begin to enter into a settlement with my creditors shortly thereafter, and furthermore, would begin paying them back. I went back into my email account to read the debt consolidation contract but it said the links were now expired.

GRT FINANCIAL falsely promised to negotiate with my creditors to settle or otherwise reduce my repayment obligations. They failed to settle and/or lower my debts. 

I was lured to ( now erroneously ) purchase their services while they falsely claimed that they would remove negative information from my credit report. They did not disclose key information that I needed to evaluate these services. I was not told that there would be any fees associated with this service. 

Furthermore, I received a Small Claims Debt Claim from XXXXXXXX XXXX on XX/XX/XXXX, due to GRT not paying XXXX nor contacting them regarding working towards a settlement. I settled with XXXX XXXX  on my own and requested that my debt consolidation claim be canceled with GRT Financial. 

When I called GRT FINANCIAL to cancel my program on XX/XX/XXXX they did not disclose that there would be any charges owed, since, essentially, they did nothing to consolidate my debt with any of my creditors, namely XXXX XXXX. 

According to my records, I paid a total of {$2700.00}. The payments and dates are listed below. I I received a credit from GRT XXXX on XX/XX/XXXX in the amount of {$1900.00}, which means I am still owed {$790.00}. I am putting into question the validity of the {$790.00} in fees that GRT XXXX FINANCIAL says they incurred while servicing my account. 

Furthermore, upon entering into an agreement with GRT FINANCIAL in XXXX of XXXX, I received dozens of spam emails daily. Even upon unsubscribing from these companies that were perpetuating false news, propaganda and misinformation several times a day AND several times a month, I would still receive these emails from the same companies. 

The following entries are what I paid to GRT FINANCIAL and the subsequent dates that were debited from my bank account. 

{$330.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX {$340.00} on XX/XX/XXXX {$370.00} on XX/XX/XXXX {$370.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX in XXXX TN in XXXX or XXXX the loan was for a little over {$21000.00} @ XXXX a month .... From my calculations I'm done paying that loan off and they're saying I still owe over {$7000.00}... 
Loan Company name : Bridgecrest Car make model : XXXX XXXX XXXX Account # of loan : XXXX
Product: Mortgage

XXXX XXXX with Nationstar on XXXX/XXXX/XXXX @ XXXX called to informed me AGAIN my loan modification had a problem, he noted that it was an accounting error. The papers were re signed on XXXX/XXXX/XXXX for the XXXX time. He noted they would offer {$300.00} cash gift card. I received a letter tape to my door offering {$150.00} stating my MOD loan was rejected. My loan modification has been booked several times once in XXXX and XXXX now they 're saying it has been rejected. Please see previous compliant on case # CFPBXXXXXXXX On XXXX/XXXX/XXXX Nationstar deducted out of my checking account than what is agreed according to my Modification. My agreed amount is XXXX, they deducted {$990.00}. Solution provide correct documentation my loan should also remain as per noted on Loan Modification documents, refund the amount they taken out of my account unauthorized.
Product: Credit card

I received my statement for Comenity The Children 's Place charge card. I paid the card off last month, XXXX. It was surprising when I received a statement with an interest charge of {$2.00}. 

I called and spoke to a representative. I asked her how can I accumulate interest on a XXXX balance. She said interest still accumulates if the balance isn't paid off 30 days after purchase. She said something about an interest saver feature. I thought I was saving on interest by paying off my balance. This is a deceptive feature of their card. 

This made no sense to me. I paid off the bill in XXXX. How is interest still accumulating on a XXXX balance? I wonder how many customers have paid interest on a XXXX balance since they didn't pay their balance off in 30 days after purchase. The customer service rep is supposed to delete the interest off of my account, but I don't trust them. Am I going to get another interest charge next month on another XXXX balance? How can per day interest count on XXXX dollars?
Product: Checking or savings account

I was erroneously charged XXXX by XXXX. I immediately notified TCF about the charge. I learned yesterday they denied my claim because I didn't dispute more charges. My account has never been overdrawn due to any fault of my own. To make things worse TCF wnt back and assessed me {$220.00} worth of fees after they negligently closed my dispute.
Product: Mortgage

I was approved for an FHA loan by MLD MORTGAGE but denied again because the process XXXX XXXX was looking for information from my significant other whos not on loan. He did not have information to give to him and he did n't want to supply the information because he felt that the mortgage was not his and he was not his client. XXXX kept giving me the run around and he made personal coments about my significant other. XXXX and his processer XXXX XXXX said they would let me know by a certain day but dif not. Myself and my agent reached out to both of them with no response. I decided to switch to another company before my contract deadline. To satisfy XXXX ego he would not respond to any emails or phone calls from the new company to transfer my paid apraisal. Finally after days of emails every one who wanted information from me before he answered saying he will transfer the appraisal. XXXX never shared information with me on why they denied my loan but instead decided to share sensitive personal information to the new company saying that I have a foreclosure which is not true. XXXX is unproffesional and he lied. I need this company to provide proof of my foreclosure to myself and FHA. XXXX went out of his way to email the new company but failed to communicate to me. XXXX could not close the loan but would not let me go anywhere else to close it. So he decided to blackball me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from XXXX  alerting me my credit was pulled by XXXX XXXX XXXX. I did not recognize this and I called XXXX XXXX XXXX at XXXX ( XXXX ) XXXX. I was told my credit was pulled by XXXX XXXX at First Home Mortgage and I have to contact this company to dispute the inquiry. I do not even recognize the name XXXX XXXX, nor I have authorized an " XXXX '' or First Home to obtain my credit report. I have not even spoken to anyone at First Home. I performed a search on XXXX " XXXX XXXX First Home '' and found his email on the website at https : //firsthome.com/XXXX. I sent an email to him ( attached ) though I have not heard back as of making this complaint. I attempted to dispute this via XXXX but I do not see a way to dispute Hard Inquiries. I did work with XXXX XXXX at First Home back in XX/XX/XXXX when I purchased my home, and my credit report was pulled then, but I have not authorized First Home nor anyone employed by First Home to pull my credit since XX/XX/XXXX. I did reach out to XXXX via E-Mail in XXXX XXXX about refinancing, but I never heard back from him and I proceeded with another lender. I am now in the process of refinancing my home with XXXX XXXX  / XXXX XXXX and I close in a little over two weeks. It may appear to the bank/lender I am actively shopping for credit, which is not the case. This inquiry by First Home is unauthorized and as far as I know, a violation of the CFPB. It could hurt or lower my credit score and potentially impact or raise red flags as I get closer to settlement. This is absolutely frustrating. Please assist as I do not know how else to get this removed from my credit report.