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

My credit report is frozen without my consent or authorization. When Ive called transunions credit freeze number they transfer me to two separate departments, that can not help me. They also state they can not give me the direct telephone number for the department that they state is the only one that can help me. Ive called four times and have been transferred several times and each time they state they have no record of me calling the first two on  Wednesday XX/XX/XXXX at XXXX and Monday XXXX XXXX at XXXX. The website gives me error codes, as well as the mobile application, preventing me from removing the freeze myself. I am trying to purchase a home and my lender is unable to pull my report because of this freeze, I have picture evidence of the app that states my report is available and then the next day frozen again. This is stopping me from being able to get my loan and it is causing a burden.
Product: Debt collection

Calls multiple times a day, with one call after XXXX CST tonight, XXXX. No mention of money owed, nor answering of questions or proof in writing. Have number called from and time stamps on call log.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Experian stating that their investigation of my dispute for XXXX # XXXX And XXXX  # XXXX was completed and verified and updated. I received my credit report and the date last reported hasn't changed from XX/XX/XXXX and XX/XX/XXXX respectively. I question that an investigation has actually taken place! The date last reported should reflect this year, the year of my dispute that they reference in their letter.
Product: Consumer Loan

I have a auto loan from SANTANDER CONSUMER USA on a XXXX XXXX XXXX. over the last two years I have been paying a extra {$60.00} a month to go towards the principal. Instead this company decides to apply none it to the principal and take half and add it to the interest and add 22 % on top of it. I call the company to talk about this and they admit that they did this on tape that I have. After doing some research on this company this the same company that just settle with the fed because of cheating XXXX men and women. I am a XXXX veteran and do not understand how this can still happen with with company. There are many lawsuits that have been filed against this company and this company still try to cheat its customers with this illegal practice. I had a account look at my history of payments for the last three years and none of the payments that have been made have been applied correctly to the loan amount. I have made a request to have all of my payment history mailed to me over two weeks ago, I was told by XXXX a manager that the extra payments will be added to the principal and correction made. So far nothing has been done, the payments still do not show correction made. I would this department to get involved to help make correction and expose this company for what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX {$530.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Mortgage

Runoff mortgage doesn't seem to want to pay for insurance on my house even though they are supposed to. I contacted them before closing and after stating the insurance policy hadn't been paid. They tell me they will take care of it, now months later I receive a cancellation notice from the insurance company stating it will be cancelled on XX/XX/XXXX. I called the company yesterday and they said they would take care of it. I filed an online complaint with them last night and still haven't received any update on getting the policy paid for. They did collect the money at closing, so they have been sitting on my XXXX dollars and using it for their own purposes and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these inquiries : Inquiries : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify inquiries that aren't reported correctly. 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 an 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. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I do not have dates. 

This matter has all transpired in the last several months. I had XXXX student loans with the XXXX. XXXX XXXX. I consolidated those loans, and they were paid off by the XXXX. XXXX XXXX. The loans with XXXX totaled a little over {$15000.00}. The loans with XXXX have been paid off. All my credit reports : Equifax, XXXX and XXXX still show my XXXX XXXX accounts with balances. I just recently refiled a dispute with all three credit bureaus and none of them have reduced the balances to XXXX. So now, in addition to the $ XXXX from XXXX XXXX I now have the additional {$15000.00} on XXXX. That is over {$30000.00} in student loans. 

I have contacted XXXX who said it was XXXX that is supposed to remove this. I contacted XXXX who essentially said it's not their job. I have contacted the credit bureaus at least twice. Today, Monday, XX/XX/XXXX, XXXX suggested I file another dispute. I am trying to get business funding and can not go forward until this matter is resolved. Each of these bureaus had detailed information and the phone number for XXXX. There is absolutely no reason why they should not have resolved this matter by now.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX, issued by Comenity Bank, N.A. The account was initially opened with XXXX XXXX  XXXX, which sold it to Comenity in late XXXX. The first transaction with Comenity was on XX/XX/XXXX and there were 69 total transactions, with the last transaction on XX/XX/XXXX. 
I was making a payment online on XX/XX/XXXX and I discovered that there was no available credit. My limit is {$1200.00} and my statement balance at that time was {$220.00}. I made a payment of {$110.00}, then sent a message through the secure message portal asking for information as to why I had no available credit. 
I received a message back on XX/XX/XXXX requesting that I call the account security department. I was referred to a supervisor who told me that the account was closed because XXXX had no physical address on file. She told me that my account would be reopened with XXXX hours. 
On Tuesday, XX/XX/XXXX, the account was still closed. I sent another message through the secure portal asking for a status update. I received a response on XX/XX/XXXX that the account was permanently closed due to security concerns. 
On XX/XX/XXXX, I called the company and spoke with XXXX XXXX who told me the same thing. He stated that due to the Patriot Act, my account was permanently closed. He also stated that he could not share what the security concerns were. He said I was welcome to pay off the balance and re-apply in 30 days. He showed no empathy, seemed to be impatient with me and periodically spoke over me while I was talking. 
I find it disturbing that an account can be closed through no fault of the account holder. I held this account for 15 months and Comenity was more than happy to take my money over that time. When there was an issue, there was no communication with me directly through the mail, a phone call or a message in the secure message portal associated with my account. I also am very concerned as to the possible repercussions to my good to excellent credit score. 
I look forward to your response.
Product: Debt collection

I received a letter from rent recovery solutions, XXXX stating that I owe the {$300.00}. I requested debt validation from them and they are sent documentation for an apartment that I never lived in. I then sent another letter for the debt validation and received a letter with charges on it. 

I did sign a lease for the address listed, but the apartment was infested with roaches and I moved out before a week and there was no damage to the apartment. Now that they can not validate the debt they are modifying what they are sending. 

This is not debt validation and they have not and will not provide it.
Product: Mortgage

i called JP morgan Chase to apply for the HARP program to reduce my home mortgage loan interest and to qualify and without going to details he said I did not qualify and I ashed why? he said you do n't qualify he said my loan was n't a fannie mae loan? I said yes it is a XXXX Loan he said no your loan is sold to another lender I said another lender and I was notify? I asked so who is my new lender now? he said I do n't know? I said well who will tell me then he transferred me back to customer service I gave them my loan number XXXX my name XXXX XXXX XXXX and this time a lady she said my loan is a XXXX Loan, so this man did not tell me the true why he did tell the time to ask me the questions he needed before saying if I qualify yes or no? I told him that I have being working on my credit score they- chase told me to work on my credit and call back in XXXX months and that is what I am doing, my interest are too high right now being a XXXX after a difficult XXXX, lost my job and had more medical bills, paying more medical bills and I need to apply for this HARP program
Product: Credit reporting, credit repair services, or other personal consumer reports

I set my account up on reoccurring payments, I spoke with someone on the phone after I found out my account was delinquent and he informed that it was not setup on reoccurring payments. Now I have a thirty day delinquency on my credit which I should not have. I paid the account current and setup the reoccurring billing again. Hopefully this time it will work. However, I asked for a courtesy waive as it was not my fault that the reoccurring billing did not take place. it was denied I am hoping that this time which will be the third time I set it up that it will actually take place. It is more convenient for me to have it setup on auto pay then having to log in every month to pay. Please look at my history with them I have never been 30 days late and my credit effect by this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lincoln Financial Services repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score XXXX point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score XXXX points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!
Product: Debt collection

THE ALLEGED ACCOUNT WITH CONTRACT CALLERS INC WAS PLACED ON MY CREDIT FILE AFTER THE ACCOUNT WAS PROVEN NOT TO BE MY ACCOUNT FROM TWO PREVIOUS COLLECTION AGENCY XXXX  AND XXXX XXXX XXXX XXXXXXXX BACK IN 2016 THEREFORE THE ACCOUNT IS NOT VALID AND HAS NOT PROVEN THAT THE ACCOUNT IS MY ACCOUNT AND NEED TO CEASE WITH COLLECTION ON A FALSE ACCOUNT. I HAVE REACHED OUT REPEATEDLY TO CONTRACT CALLERS TO VERIFY THE ACCOUNT AS BELONGING TO ME BUT WITH NO VALE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent activity on a credit card XX/XX/2018. I used online services to report and request a fraud alert with XXXX, XXXX and Equifax. 

I reported the same information to all three agencies. However, EQUIFAX DOES NOT HAVE MY ADDRESS CORRECT IN THEIR SYSTEM. There have been no clarification requests from XXXX  and XXXX. Equifax however, keeps repeatedly sending a form letter that states " the identification you provided does not match our records. '' I spoke to an Equifax rep and her supervisor without resolution, faxed the requested verification documents without resolution and, after I received the same form letter again on XX/XX/2018, sent by certified, return receipt mail the requested documents a second time. The certified mail number was referenced in the cover letter and EQUIFAX SIGNED FOR THE CERTIFIED MAIL ON XX/XX/2018. EVEN THOUGH EQUIFAX RECEIVED THE REQUESTED INFORMATION ON XX/XX/XXXX, ON XX/XX/2018 EQUIFAX SENT ME THE VERY SAME FORM LETTER AGAIN. 

I have twice provided Equifax with the requested documents to make the correction in their system. I have had no credit inquires, do not have a mortgage on my Indiana property, do not have a car payment, have not applied/opened a new credit card, have not closed a credit card, pay all credit cards in full each month, etc. There have been no requests from any other agency, I receive bank statements, bills, etc. timely. The problem very clearly rests internally with Equifax with no resolution in sight.
Product: Mortgage

XX/XX/2021 To Whom It May Concern : We sent a detailed complaint letter to Navy Federal Credit Union ( NFCU ) prior to filing this complaint with the CFPB. The response was short and did not address the points that we requested in our initial letter. In fact, they took over 2 months to create a one-page document. In particular, they failed to investigate the behavior of the loan officer and function of the appraisal appeal process as well as how they select appraisers. 

As we mentioned in our initial complaint, the appraiser had an unprofessional website. Also, in the time since we filed our initial complaint, the appraisal firm selected by NFCU has apparently went out of business. We questioned the legitimacy of the firm in our initial letter as mentioned previously. 

Further, after we did a quick check, the business is not in good standing with the State of Maryland. 

NFCU did not address our concerns with the appraiser or the appraisal process in general. Frankly, this is unacceptable as the letter was specific and polite. It deserves an adequate response at the minimum. As stated in the complaint letter, we requested a refund/revaluation of the pricing for the loan. 
They have ( initially ) refused to do so. However, we still believe the appraisal was poorly done and needs to be revisited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXXXXXX XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please find the payoff statement reflecting the recording charges listed in the payoff ( recording fees ). We received the original unrecorded documents and see that the lender is keeping these fees and sent out the documents to be recorded with the recording fees expected to be paid again by the seller. 

This appears to be they are overcharging and may be happening to a significant degree. 

We hope to find some resolution to this over charge and why did they keep the recording fees if they did not intend to record the documents removing the lien. 

Thank you, XXXX XXXX-Owner XXXX
Product: Debt collection

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. 

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. 

XXXX XXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

The company did not property validate this alleged debt. The instead only mailed a single bill they provided is not proper validation of the debt and will not suffice. I disputed the alleged debt that you are attempting to collect. I additionally requested validation of the alleged debt pursuant to my rights under the FDCPA. I requested a copy of the signed contract, I also requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to the consumer credit reporting agencies. 1st you failed to obtain and send verification of the alleged debt by not mailing me the contact, instead of sending me a signed contact or agreement signed by all parties involved as requested, you mailed me a bill only this is non-responsive to my validation request. Under the FDCPA, it is unfair and unconscionable to attempt to collect a debt in any amount that is not expressly authorized by agreement creating a debt permitted by law. 2nd you have failed to provide a valid basis for the calming I am required to pay the alleged amount owed. Additionally, you have failed to provide details about the age and amount of the debt ; a detailed explanation of any interest added and the legal authorization for this interest ; the date the original creditor claims it became delinquent. And whether this debt is within the statute of limitation and how that was determined. Lastly, you failed to provide any details on your authority to collect this debt that was requested : whether you are licensed in my state and if so ; provide the date and license name on the license and license number along with the address and telephone number of the state agency issuing the license number. You have not complied with the request that was made and was not proper validation. You have failed to provide any proof that it is me that owes this alleged debt. Under the FDCPA laws that have been requested by me in my initial request to you Since you were unable to provide proper validation of this alleged debt, I am requiring you to cease reporting and collection immediately. 

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.