23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, I have current mortgage with BSI Financial, and when I check status on my payment on the BSI Financial for month of XXXX. It's shows that I have not make the payment and it's passed due. When I see from my online bank that BSI Financial did cashed a check on XX/XX/2022 so I don't understand how BSI Financial stated that they received this XXXX payment. Plus I'm there no one picking up phone from customer service of BSI Financial. I have left two message, and so far I have not received any phone call back from the BSI Financial. I'm really annoyed with BSI Financial in sense how they operate business and how US government let this type mortgage company tolerate with business practice that they are using with consumer. US government to step in and look over each consumer complaint with this mortgage lenders.
Product: Credit reporting or other personal consumer reports

I have called several phone numbers at XXXX and I am unable to speak to a live agent at ( XXXX, XXXX, and XXXX ). I noticed for the following hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA, and XXXX XXXX are not listed as auto loan. I was shopping for the best rate regarding auto loans. Thus said I was only supposed to lose XXXX point regarding my FICO score.
Product: Credit reporting 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 XXXX XXXX Account Name:XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries 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: Credit reporting or other personal consumer reports

My ex girlfriend used my personal information to open accounts without my knowledge and permission. I have attempted to have these incorrectly reported items removed from my report and have contacted the credit bureaus but have yet to receive a satisfactory response from them.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies are acting in willful noncompliance. Ive informed them that this information is inaccurate to which they continuously update it as valid.

Late payments are being furnished onto my consumer report, and pursuant to FCRA 15 usc 1681a ( 2 ) ( A ) ( i ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE.

Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a THIS IS IN FACT VIOLATION OF MY PRIVACY ACCORDING TO THE PRIVACY ACT OF 1974.
Product: Checking or savings account

On XX/XX/2021 I closed my account with XXXX XXXX XXXX However I had a {$500.00} transfer from my chase account going into this account According to XXXX XXXX they said they would reject my funds and it would be going back into my chase account. I have filed a case with XXXX  and chase bank and both banks claim they dont have my {$500.00} transfer which shows it left chase bank into XXXX but no where to be found I provided XXXX XXXX with a Web ID number XXXX It was transferred over to XXXX XXXX account XXXX There is no way two major banks lose {$500.00} I need this investigated immediately and my {$500.00} returned
Product: Bank account or service

A year ago, my financial advisor of 25 years left Merrill Lynch and went to XXXX. He told me XXXX would not accept the transfer of my account because I resided in XXXX. Merrill kept the account and last month send me a letter saying they were closing it in 30 days ( actually 3 weeks from my receipt of the letter ). I sought an extension until XXXX XXXX and they concurred. The account includes my IRA, etc. I have spent the last month trying to find a bank where I could transfer the accounts. XXXX, XXXX XXXX, XXXX, etc. have all refused. I have no idea what to do with the IRA. I take minimum annual withdrawals. I am a US citizen, a retired senior XXXX. I vote in the US, pay US taxes and receive social security and a XXXX pension.
Product: Mortgage

Georgia, XXXX made a payment to PHH mortgage companies in XXXX. I was told by Georgia HAF that this payment included a {$12.00} XXXX payment that would go towards the second principal balance. 

SO WHY IS THE SECOND PRINCIPAL BALANCE STILL OUTSTANDING? 

XXXX received a payment of over {$26000.00} to cure any past due or outstanding balance on my account. I would think that a second principal balance would qualify payment and I was told by my h AF representative day that they would pay that balance. 

THERE IS NO WAY THAT YOU CAN TELL ME THAT {$29000.00} WAS JUST IN DELETE WITH PAYMENTS, AND THAT SOME OF THAT MONEY SHOULD NOT HAVE GONE TOWARDS THE SECOND PRINCIPAL BALANCE. 

I have requested this before, but I want a detailed statement. As to where every dime of the georgia h a f money went towards. My account was nowhere near {$26000.00}. In delinquent, payments. Where did the {$26000.00} go? I DID NOT OWE {$26000.00} IN ARREARS. 


Where did that second principal balance even come from? I was told during a modification that that balance was being placed on the back of the loan. I have modified my loan twice. And this is my second time going through Georgia H, A. F. And each time I was told that that principal balance was being paid off or placed on the back of the loan, but here it is, I don't know how many years later it's still sitting there unpaid. 

I need answers to all of these questions along with a breakdown of where almost {$30000.00} was applied. 

XXXX XXXX
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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ok so this has been a long dragged out situation!!! I filed a CFPB report about this already and the situation has only got worse AND they lied to the CFPB in their answer. 

My Father passed away XX/XX/2021 Sadly, I contacted SPS shortly after about his 3 mortgages with them because sadly he was in the middle of the Cares act ( Pandemic relief for mortgages ) and that has to be either modified or extended etc which requires me to be able to speak to them and do either the modification or the extension of the Cares act. 

Which means I can't simply just continue payments after he passed, it requires me to deal with SPS. 

So they stated I needed to provide the Death certificate to speak on the account, I did, they took 2-3 weeks to " process/Verify/Review '' it, then came back and said " Well sorry you were mis informed but now we need the Will '' I gave the Will. Took over a month to " process/Verify/Review '' the Will which shows me as the executor as well as the property being left to me, they came back with " Sorry you were mis informed AGAIN we need the probate documents signed by a judge '' I start Probate ( not a fast moving situation and even worse being done during a Pandemic ) FINALLY after about 6 weeks, I get the document from probate signed by a Probate Judge!!! SPS once again takes their sweet time ( dont remember how long this time ) to Verify it, comes back NOT GOOD ENOUGH, I speak to a supervisor at SPS who agrees with me and says " this is more then enough im going to resubmit it and you should be all set in 72 hours '' 72 hours pass and NOPE " Sorry you were yet again mis informed, we need the deed transferred over in your name '' I spoke to Probate court this morning and they said it sounds like SPS is playing games and stalling, Probate said what they gave signed by the JUDGE is enough, even said to have SPS call them directly and even speak to the judge, SPS refused. 

MEANWHILE SPS is sending foreclosure letters even know THEY are stalling!!! it seems like a scam and Probate agrees as does the Judge!!!
Product: Student loan

Starting in  XXXX  o f 2017, Navient  had sent emails regarding my student loan with them. The amount owed had changed several times over the past months and I am having difficulty making payments as they are so high. I am in a loan rehabilitation program with another company which is worries because they took into account my income and expenses, which leaves very little leftover. However Navient simply looked at my income and gave no one probably to lower payments delay then at all. I 've tried to contact them about this with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00}, Accounts : XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed a hard inquiry on my Equifax credit report that I did not authorize. I suspect someone is intending to open this credit card in my name to commit fraud. Two disputes with Equifax have not been successful in getting it removed.
Product: Credit reporting 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without Consent.
Product: Mortgage

My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing and to their Attorney on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. 

My loan number is XXXX state of Florida , County of XXXX XXXX case number is XXXX
Product: Vehicle loan or lease

MECHANICS BANK HAD REMOVED THIS ACCOUNT FROM THE CREDIT FILE BECAUSE THIS ACCOUNT WAS IN A BANKRUPTCY. AFTER THE BK WAS DISCHARGED MECHANIC BANK RECENTLY ADDED THIS ACCOUNT BACK TO THE CREDIT REPORT AS OPEN AND DELINQUENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I r

equested debt validation from LVNV Funding. In response they send a document that they created. The document notes my name as the Borrower and LVNV as the Creditor. LVNV did not provide any legal document or a legal contract which confirms I have an account with them. LVNV did not validate how they determined the amount they say I owe them. LVNV did not provide proof that I owe them. LVNV did not provide proof that they are licensed to operate in my State of Residence
.
Product: Checking or savings account

The account was closed not sure of the reason but they will not let me access funds to even wire to another account until 60 days has gone by. This is not sustainable for me as I depend on these funds, so I need access now, not in 60 freaking days. If I have money to my name I should be able to access them. Close the account whatever that is fine, but to not allow me to send those funds to another bank open in my name is insane. I truly need these funds. Bank is refusing.
Product: Mortgage

We purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with citimortgage for  XXXX . In  XXXX  we were approved for a HELOC with Citi for approximately  XXXX . In  XXXX  i became unemployed. I was out of work for 3 years. We reached out to citimortgage many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to citimortgage many times for help they were unable to assist us. citimortgage sold our mortgage to   XXXX   XXXX   in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years. We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false inflated value of the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

consumer collections XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently used my credit card to buy some Christmas gifts, when I looked at my credit score on XXXX XXXX I saw that my score had dropped significantly from GOOD to FAIR. My complaint is ... why should my score go down because you use some of the available credit you have? My utilization went from 1 % to 15 % of available credit. This practice of Credit Reporting companies is unfair and fraudulent, they drop your score and have not waited to see if you make your payments on time or even if you make the minimum or greater payment. What they are doing penalizes you for using your available credit WHICH is then used as a reason for lenders to charge you high interest rates. This practice is more of a collusion between Credit Reporting companies and Lenders. It really is as though you take one step forward and end up two steps backwards. It literally is putting the cart before the horse. 
I have worked very diligently to get a high credit score in order to get the advantages of it. Instead of helping consumers they are suppressing consumers and working with the Lenders to keep the you continually paying higher interest rates. 
I look forward to hearing from you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I took a loan with XXXX XXXX XXXX XXXX. Defaulted on payment due to financial hardship. XXXX was sold to Financial Assistance Inc, offered to set a payment arrangement and they didn't feel the amount I was offering to pay was enough. The account is reporting twice on my credit report causing my overall debt to income being too high. This one debt count as over {$26000.00}.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX I desire to keep this account open XXXX XXXX email account for XXXX XXXX No longer can gain access to XXXX I XXXX XXXX XXXX no longer has access to this email account. 

My son XXXX XXXX sent me XXXX to XXXX the old account I created a new account under email XXXX User name XXXX My son deserves and is entitled to a refund I file a complaint with Federal Reserve How Cash App is telling us There's nothing further they can do. 
My son isn't giving the free money for their financial institution. 

He's a consumer entitled to have his funds quickly sent back to the sending at phone number XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card

A credit card application was completed and a hard inquiry was made on XX/XX/XXXX by JPMCB CARD SERVICES and again on XX/XX/XXXX by JPMCB CARD SERVICES. At the end of XXXX I received a credit card in the mail " chase sapphire ''. I never applied for this credit card. I called chase and they cancelled the card.
Product: Credit reporting 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 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 with ought my written instructions.
Product: Credit reporting or other personal consumer reports

Someone used my information with these lenders without my knowledge 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and SYNCBXXXX ran an unauthorized credit inquiry on me on XX/XX/. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact SYNCBXXXX and XXXX such occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 USAA submitted a " remark '' to the three credit agencies which caused my FICO score which averages over 800 to drop almost 100 on each agency. I contacted one agency and they were unable to tell me what the remark was and to contact USAA. I did and spoke top 3 depts including the " executive resolution '' dept and none could or would tell me what the " remark '' that obviously was derogatory was. This has to say the least done significant damage to my credit status.