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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We are filing a complaint against Shea Mortgage in California. We submitted a loan application with Shea Mortgage sometime on XX/XX/XXXX where we were issued a " loan approval ''. Given this information, we signed a contract with Shea Mortgage 's wholly owned subsidiary, XXXX XXXX, to buy a home located at the XXXX, XXXX XXXX, California. Construction started XX/XX/XXXX and we are now at the finishing stages of construction. 
Shea Mortgage demanded updated data and credit report XX/XX/XXXX which we complied. A new " loan approval '' was issued again. This time we paid an appraisal fee in the amount of {$450.00}, and we were promised that if our loan can not be approved, then the appraisal will not be ordered. The appraisal was ordered, so it means our loan is approved. 
Every week beginning XX/XX/XXXX, Shea Mortgage asked for more documentation, which we provided and complied. This charade has been ongoing for the last 5 weeks. 
On XX/XX/XXXX, the loan processor demanded XXXX more items before a FINAL loan approval can be issued. Again, we provided everything Shea Mortgage asked for on XX/XX/XXXX. A couple of days later, XX/XX/XXXX, we were told that we should have the FINAL approval within 24 to 48 hours. It is now over 96 hours, yet we have not received the promised FINAL loan approval even though we have given them everything Shea Mortgage asked. 
We did not get a Good Faith Estimate until XX/XX/XXXX. Are n't lenders supposed to give the borrowers a Good Faith Estimate within 3 days after a complete loan application is received? We locked in our rate for 60 days on XX/XX/XXXX, and instead of a written rate lock agreement, we were given a " Itemized Fee Worksheet ''. We are very concerned the lender is delaying the issuance of the final loan approval ; our rate lock expires and we will have no choice but to agree to a higher rate and maybe fees. 
We pray the Consumer Financial Protection Bureau is here to protect helpless consumers like we are. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX  XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX   . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Bureau, this credit dispute is being submitted as a new evidence dispute. This is not a duplicate. The below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I see on my Credit Report an account about which I dont know anything AT ALL. This is a fraudulent account. Im attaching to this letter a copy of the identity theft report proving that this account doesnt belong to me, Im also enclosing a copy of my Drivers License and SSN to verify. Please remove this account/ block this account : Name of the fraudulent account : XXXX XXXX XXXX XXXXXXXX It was opened on : XX/XX/2022 Total Charges : {$540.00} This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon. Sincerely, XXXX.
Product: Debt collection

I purchased a used car and it financed threw XXXX XXXX XXXX  XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to XXXX consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XXXX it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to ncb mgnment.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..
Product: Credit card or prepaid card

Barclays will not stand behind us on travel services not delivered. They are using the excuse that the charge is over three months old. The problem is there was no problem until only a few weeks ago when the travel promotion company canceled our prepaid contract due to their interpretation of what they said broke the contract. They accused us of traveling with a party to their destination which would break the contract. However, we we were not traveling with a group. They used a change of flight plans due to the airlines that require a new arrival date and we requested to stay at the original resort. They first agreed to work with us but then abruptly canceled our reservation and kept our money with the excuse we were now traveling with a group. This is simply not true. We sent all documents to Barclays as requested. This is a scam, not only by the travel company in XXXX but by Barclays who promises to stand by deliverance of services. Since we paid well in advance of the reservation, they are using the lapse of time between when we prepaid and the promised delivery date. This is not right or ethical. How could we challenge within 3 months if the promised services were ten months away? If that is the case, their policy of standing behind deliverance of services should say explicitly they will not honor prepaid travel services if paid more than 3 months ago.
Product: Prepaid card

I purchased a {$XXXX0} Google XXXX XXXX XXXX and tried to redeem it on my Google Account to use the card. The system refuses to allow me to use the card, and the representative sent a generate reply about either a card or account problem and never replied back to my concerns for either the redemption of my funds or a refund of my funds
Product: Mortgage

The Homestead Lien Contract and Deed of Trust dated XXXX XXXX, 2005 on our XXXX acres and home was misfiled as a " Homestead Lien Contract and Deed of Trust '' and should have been a simple Deed of Trust securing the Note - not creating a home equity loan. We relied on the knowledge and expertise of XXXX XXXX XXXX in Texas Mortgage Law to be correct ; however, this does not appear to be justified. This filing should never been designated as a " Home Equity '' loan. My letter of XXXX/XXXX/2015 was arbitrarily dismissed without citing any specific error in my position. My letter of XXXX/XXXX/2015 cited Texas Statute as to the error in the mortgage documents filed. I can not get a response from the lender beyond they are researching - for the last 6 months.
Product: Student loan

My student loans were put in an alignment forbearance after the COVID forbearance ended ( around XXXX ). I did not request this and MOHELA didn't tell me they were putting this on. I had already been approved for the SAVE program with a {$0.00} payment prior to all of this. I called MOHELA in XXXX asking them why there was a forbearance on my account and interest accumulating if I was approved for the SAVE program. I spoke to 2 different representatives that had no idea what I was talking about. Mind you I had to wait 2-3 hours before speaking to someone. I finally asked to speak with a supervisor who was able to submit a request for me to retroactively remove the alignment forbearance and remove any associated interest. I asked her how long would this take to process and she told me about a week. Fast forward to today nothing has been completed. I called them on XXXX XXXX XXXX XXXX XXXX. Each time I was given a different answer by reps and supervisors. When I called on XXXX  the rep XXXX told me my request was open and no one has even started working on it yet. I asked to speak with a supervisor and was told I couldn't speak to one even though I was able to in previous months. This is MOHELA avoiding me and my requests. I am also pursuing PSLF which is not being counted due to this alignment forbearance. This is ridiculous, I have spent almost 10 hours of my time between being on hold and speaking to reps all for this 1 issue. The interest today is at {$3000.00} and grows each day until this is fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting negative information on the consumer report. XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX is being fraudulently reported on the consumer report. These negative accounts under Graham Leach Bailey act and the Patriot Act needs to be removed. The consumer has contacted Equifax multiple times to remove these fraudulent accounts. I never gave Equifax permission or written consent to furnish anything on my consumer report.
Product: Student loan

It's come to my attention that my loan servicer, great lakes borrower services, is not able to explain the mechanic of " capitalization '' to me other than that it is a product feature that allows them to role over interest into my principal. This can not possibly be legal and what the regulators intended when greenlighting a product such as a " student loan ''.
Product: Credit reporting or other personal consumer reports

I seen two recent hard inquiries on my XXXX report that I did not authorize. I ask XXXX to delete those inquiries as in today since I have a credit freeze on my credit report and extended fraud alert on all three credit reports. The first one was bank of America, I know I can't get an account with them since XXXX  so why would I apply? The next one was credit plus XXXX  XXXX. The same thing happened to me 2 years XXXX XXXX and XXXX. XXXX have employees letting creditors check credit report without alerting the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX  XXXX {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX ) account number 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 customer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account on my credit report from capital one for {$540.00}. I have filed a claim with all 3 credit bureas XXXX, XXXX and XXXX. Stating this account is not mine and that it was fraudelent account. All 3 credit reporting have completely different information on all bureas.Some no payment history. XXXX has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold 1 hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human
Product: Credit reporting or other personal consumer reports

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a XXXX from XXXXXXXX XXXX XXXX  XXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX XXXX XX/XX/scrub>XXXX XXXX. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXX XXXX XXXX and also a FTC report.
Product: Vehicle loan or lease

On XX/XX/2018 I had loaned my vehicle XXXX XXXX to an employee I just hired he took XXXX home to load tools in it his friend borrowed it to go get gas was pulled over and car was impounded I was notified a week later when Mullen finance contacted me saying I owe them {$2500.00} for tow fees and 1 late payment Which a week prior to my due date I contacted the lady at the front desk and her and I had a promise to pay agreement and it was in their computer. Wo which a week prior to my due date I contacted the lady at the front desk and her and I had a promise to pay agreement and strong armed me basically for my vehicle or {$2500.00} and I was not able to get my car myself the police and finance company did not contact Me The registered owner to even retrieve my car? The finance company and I were arguing on the phone and he kept calling me a XXXX when clearly I was not saying nothing racial he hung up on me I have voice recordings of him he is very unprofessional hung up on me and send me fake court order appearances, Basically said he mailed me a court order to appear but never received it I called back to retrieve my car with the money and you kept hanging up on me was very rude and did not cooperate and want to give me my car and said he sold it
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Starting on XX/XX/XXXXXXXX XXXX XXXX XXXX, I began paying Midland Credit Management {$100.00} a week to satisfy a {$440.00} debt owed to them from a credit card I defaulted on with XXXX XXXX. Despite making payments on time every week, my payment history has not been reported to any of the 3 bureaus, nor has my balance been updated to reflect that the debt was being paid down. Despite the debt only totaling {$440.00}, I have been charged {$100.00} every week since then, with the most recent debit being taken from my account this Monday. I have attempted multiple times to contact this company to resolve the issue and have been met with negative results. A stop payment order has been put in place by my bank to prevent future debits until we get this resolved, considering I have already overpaid the debt by more than {$300.00} ( a total of {$800.00} has been paid to MCM already ).
Product: Credit card

I am a credit card holder with Ulta who uses Commenity Capital Bank. They are reporting late payments to my credit report XX/XX/XXXX, XXXX and XX/XX/XXXX, and late payment every month from XX/XX/XXXX through XX/XX/XXXX. I do not remember making these payments late, but I do know fees were charged and all paid. My balance now remains paid off. 

On XX/XX/XXXX, when I called the Commenity phone number on the back of my ULTA card ( XXXX ) the customer service rep told me he doesn't see any late payments and can only go back to XXXX year of payment history, and to call the general Commenity customer service line at XXXX. 

On XX/XX/XXXX when I called XXXX they he first told me he could not see past a year of history, then told me he could confirm that he see 's a late payment for XX/XX/XXXX, but can not access it. He told me he doesn't see any late payments in XXXX AT ALL. When I told him they were not valid and asked for them to be removed he was supposed to get a supervisor and then the line dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 am writing this to serve as notice that the fraudulent information, accounts, inquires, and collections on the credit report This is considered identity theft based on 15 U.S.C. 1681c-2 and needs to be removed immediately. You have 4 days from receipt of this certified letter. Based on 15 USC 1681b all of these companies have fraudulently added information to the credit report without my written consent. Which we know is a direct violation of 15 USC 1681c and fcra. Also according to 26 USC 166 a charge off is taxable and considered to be income so can NOT be put on the credit report and needs to be removed immediately. Also any derogatory items and remarks are not allowed and are also in direct violation. 
The accounts : XXXX XXXX charge off XXXX XXXX charge off XXXX XXXX  XXXX  XXXX Inquires : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, Credit Plus All need to be removed from the credit report immediately, as I have the right to privacy per the FCRA and the Privacy Act of 1974. I also have the right to opt out per 1016. ( h ) states I have the right to opt out at anytime and ( g ) states that you MUST comply. Failure to respond satisfactorily within 4 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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