23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred from Specialized Loan Servicing to XXXX. I was not aware of the transfer until I got a notice from XXXX regarding hazard insurance. My first loan payment, I thought was due to SLS XX/XX/2021. I paid and it went through. I got the letter from XXXX about hazard insurance at the end of XXXX and thought it was spam. In the beginning on XXXX I was trying to pay my mortgage payment with SLS over the phone and got an automated message that my loan was transferred. The next day I called XXXX and they confirmed the loan was transferred to them and I was to pay them for XXXX and XXXX. I explained that I already paid XXXX through SLS and paid XX/XX/2021 to XXXX. I called SLS again to get them to transfer the payment to XXXX per the transferring of the loan. The first representative stated that the loan would be transferred within 7-10 business days. I followed up and called XXXX XX/XX/2021 to see if the payment was transferred and it was not. I followed up with SLS after on the same day and this new representative told me that the payment was transferred when the loan was transferred in XXXX and that I would need XXXX to investigate their payments to find the one for my account. I then called XXXX and they searched to see if any payments went through that were not yet associated to my loan, and there was none. I was then told SLS needs to investigate. I then called SLS and another rep they told me were not going to transfer the payment it was already applied to my loan through them since the loan was still with them the date of payment XX/XX/2021 and my loan was transferred XX/XX/2021. I called XXXX to explain and they said the loan was transferred in XXXX. I then called SLS to request documents/ records to prove so I could send to XXXX . This is what really makes me upset, SLS told me they did not have any records or documentation for my mortgage loan as they sent it all the XXXX when the loan was transferred. Furthermore, I tried two separate times with two separate representatives and asked to speak to a supervisor or manager or for the call to be escalated to someone who could get me the records. They would not transfer me to anyone higher up and stated they would put in a request for a supervisor to contact me within 72 hours. I asked if they could give me confirmation of the request or some way to know when I could expect this call and they said no. I then called XXXX again extremely upset that my mortgage transfer got so convoluted and no one could give me any answer as to why both companys are claiming that the transfer date is different and somehow XXXX still thinks I owe for XXXX, even though SLS told me the XXXX payment I made already went towards my mortgage loan. SLS should be sued, and I just might consider legal representation against them if they do not sort out where one of the companys went wrong in transferring my mortgage loan.
Product: Consumer Loan

This concerns a load from SoFi. I filed out all needed paperwork and send all required documents. On XX/XX/XXXX I received an e-mail saying " congratulations your load has been approved please login and sign your paperwork. ( I have attached that e-mail ) logged in from my phone and tried to sign but only got a blank screen and was kicked off. Called rep the next day was told to use my home computer same issue. Called rep next day he reset and told me to be sure I was using Google Chrome, delete my history and cookies did all those and the same thing. Called rep the next day she stated it was something wrong on there software she would send it to me via e-mail and she would call me back. After 3 days no phone call no e-mail called rep again he apologized and said he would send me an e-mail and if I did not get in within a couple of days call back and he could send XXXX. After a couple days no e-mail so I called back rep stated that as of that week they no longer send XXXX put she would talk to her manager and call me back. No phone call but I got an e-mail stating that my loan was denied and should try XXXX for a loan. I called a manger and got no help she just said she was sorry and there was nothing she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has appeared on my credit file through Transunion. I disputed XXXX in the past and it was removed off of my credit file. Once item has been removed off of my file you can't re report that information because of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquire on my credit from credit plus from XX/XX/XXXX I never provided any one on that date with verbal or written consent to pull my credit. I do not recognize this inquire. I have reached out to credit plus several times but still will not remove the un know inquire from XXXX
Product: Vehicle loan or lease

On XXXX XXXX, 2017, I had an appointment with XXXX XXXX XXXX to fix my coolant system problem. Unfortunately, I found out my vehicle was impounded at a near by police station. I contacted XXXX XXXX XXXX to let them know about the situation and to retrieve the vehicle so that it can be fixed. On XXXX XXXX, 2017 XXXX XXXX XXXX  retrieve the vehicle from the impound and I was told that there would be a XXXX dollar towing fee to get the vehicle back. I advised XXXX  the sales manager that I would be down the weekend to pick the vehicle up. I arrived at XXXX XXXX XXXX XXXX XXXX, 2017 at XXXX XXXX thinking that they were just closing, but they closed at XXXX. I spoke with XXXX he said that he was thirty mins away on his way home. I again advised him that I would be back the following weekend. I called all threw out the week trying to see what time I can come and pick the vehicle up. I never got a hold of anyone receiving the run around. I made my car payment of about 300 dollars on XXXX XXXX, 2017. I contacted the bank west lake financial about my next payment and to see if they could find out what was going on about my vehicle. I was told that XXXX XXXX XXXX purchased the contract back on XXXX XXXX, 2017 with a ACH back from the bank and that my account with them was closed. XXXX XXXX XXXX advised the bank that there was never a contract on the vehicle. I was sent via text message to refinance the vehicle from sales manager in the amount of XXXX dollars. The bank also refunded my car payment to XXXX XXXX XXXX. This fraudulent experience I received was very unsatisfactory. Both the bank and XXXX XXXX XXXX were giving me the run around.
Product: Credit reporting or other personal consumer reports

I am writing under the rights granted to me by Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ). It has come to my attention that MicroBilt has shared or disclosed my consumer information to one or more employers or third parties without my knowledge or written consent.

Under the FCRA, I have the right to : 1. Know what information is being reported about me ; 2. Know who has accessed or requested that information ; 3. Challenge any unauthorized or inaccurate reporting.

I hereby request the following : 1. A complete copy of my consumer report/file that you have on record, including all data collected or reported.

2. A list of all third parties, employers, or entities that have accessed my information, including names, contact information, and the date of each inquiry.

3. The source ( s ) of the information you have on file about me.

4. Proof of my authorization-including any signed document-granting MicroBilt permission to share my consumer information with any employer or third party.

If you are unable to provide documented proof that I consented to this disclosure, you are in violation of the FCRA and must immediately cease dissemination of my data and remove any unauthorized records from your system.

I've enclosed copies of my driver 's license, Social Security card, and a utility bill to confirm my identity, as required.

Please respond to this request within 30 days, as mandated by federal law. All further communication should be in writing and sent to the address and email listed above
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : DPT TREASURY Account Number : XXXX
Product: Credit card

I am writing to file a formal complaint against American Express regarding their handling of an {$11000.00} disputed charge on my account. I understand that American Expresss actions appear to violate multiple consumer protection laws. 
I have been a loyal American Express customer for 23 years and currently pay a {$700.00} annual membership fee. The current situation arose when my partner mistakenly reported certain pre-authorized payments as unauthorized to his bank. While he has acknowledged this error, American Express has : 6. Refused to classify this as a billing dispute 7. Restricted my entire credit line 8. Continued charging interest on the disputed amount 9. Failed to provide any written policies regarding their dispute procedures 10. Failed to respond to multiple written communications, including letters to CEO XXXX XXXX American Express claims this situation doesnt qualify as a dispute because it involves a bank return. However, they have provided no written policies supporting this position, despite multiple requests. This lack of transparency appears to violate federal requirements for clear disclosure of billing dispute procedures. 
The impacts of American Expresss actions have been severe. I have been unable to use my card for essential graduate school expenses, despite continuing to pay a {$700.00} annual fee while being denied the cards benefits. The interest charges on the disputed amount have continued to accrue, and there is potential damage to my credit rating. Additionally, I have spent significant time and effort trying to resolve this matter. 
I understand that American Expresss actions may violate multiple provisions of the Fair Credit Billing Act, including : Failure to acknowledge and respond to billing error notices Restricting account access during a dispute investigation Charging interest on disputed amounts Failing to provide required written policies and procedures I am requesting that American Express : 6. Immediately classify this as a billing dispute 7. Remove the restriction on my account 8. Cease charging interest on the disputed amount 9. Provide written dispute policies and procedures 10. Investigate and resolve this matter within the statutory timeframe While I hope to resolve this matter through the CFPB process, I am prepared to speak with legal counsel to pursue arbitration if necessary. I believe I rights under federal consumer protection laws, including the right to recover damages, attorneys fees, and statutory penalties for violations of these requirements. 
All supporting documentation is available upon request. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$500.00} BANKRUPTCY  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION (AND HAS A RIGHT TO DO THAT) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED (AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?
This makes no sense, being they cannot do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.
Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error...whatever, they should have the ability to go in and correct the FICA score and according to XXXX, they are not allow to do that.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

During the closing of our purchase of our home ( XXXX/XXXX/XXXX ) I enquired why there was an escrow put on the mortgage since we were putting down 20 % of the purchase price. The mortgage initiating company, XXXX XXXX, agent explained that it was purely optional and that they could change the final forms but it would delay the closing date. They also told us that we could at any time in the future ask the mortgage servicing company to cancel the escrow account and that they would do it. MY wife did not want to delay the closing so based on the explanation from the XXXX XXXX agent, I understood that I could cancel the escrow account any time. On XXXX XXXX, XXXX, I wrote to OCWEN who now services the mortgage to cancel the escrow account because I wanted to pay the insurance and taxes myself. OCWEN declined my request in a terse letter that explained nothing. When I called them to ask for an explanation, they said that their policy is that I must have 25 % in equity in the house before they cancel the escrow account. I explained to them the promises made by the agent at the time of the closing. OCWEN refuses to honor the intent of the contract that we signed based on the explanation provided to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING IN TRANSUNION. 

1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
6. The inquiry was not authorized XXXX MTG Date of inquiry : XX/XX/2023 Please remove it from my credit report
Product: Debt collection

ONE THING THAT I NOTICE THAT THE BANKRUPTCY COURTS DO NOT REPORT TO ANY CREDIT BUREAUS AND THE STSUE DIDNT NOT HAVE THE CITY AND STATE SPELLED OUT THE CORRECT WAY. IT SHOULD SAY U.S. BANKRUPTCY COURT OF XXXXXXXX TN AND ITS SHOWING DIFFERENT IN ALL 3 BUREAUS
Product: Debt collection

I received a summons regarding an account I was not familiar with on XXXX/XXXX/21. I responded to disregard any legal action meanwhile disputing it with the XXXX main credit bureas. I recently had to update it as identity theft. The debt buyer is now attempting to take me to court for an account that was never mine. I have only been provided monthly statements that they sent to an address that, at the time was not my current address. There is no signed contracts included. I have never seen this debt or the creditor and I am provided very little. They had another " collection '' account that was apparently mine but soon after my dispute with the XXXX main credit bureas, they deleted it due to it not being my debt.
Product: Credit card or prepaid card

In the spring of XXXX my wife opened a credit card account with American Express through the XXXX XXXX program and ordered an additional card for myself. Both cards arrived but a week or so later I received a letter from AMEX stating that my card was cancelled because I had filed Bankruptcy against their company. I though this was a mistake so I called them to find out that this was not a joke but they were serious. Yes it's true I filed bankruptcy and disbursed an AMEX card but that was in XXXX, more than 15 years ago. If I am not mistaken under bankruptcy law the creditors can not hold a bankruptcy against me after 10 years? I have many credit cards now because my FICA score is XXXX and I just bought a car. The credit card number of the AMEX card that was cancelled is as follows XXXX XXXX XXXX
Product: Debt collection

A debt collector continuously calls me at least XXXX times throughout the week. They have begun contacting my grandparents and parents. The debt collector asks them for my information and informs them that I owe a large amount of debt. The debt collector informs them who I owe the debt to but not the amount. The debt collector leaves voicemails at least twice a week if my grandparents or parents do not answer. My mother had asked them to stop calling her, but they continue doing so. My grandparents feel the debt collector is intimidating them by saying that they are trying to locate me and found their information so they know they are my grandparents. The debt collector told my mother, we found your information so you are her mother, and when my mother told them she was not providing my personal information to them and asked for their name, the debt collector disconnected the call ; however, they continue to call. 

I do not let any companies know about my family relations, so I am unsure where they received the contact information for my family members. Any financial matters are personal ; therefore, the debt collector is releasing my personal matters to others without my consent. This complaint has not been communicated to the debt collector that continuously harasses my family because we do not know who the debt collector is since they fail to identify themselves other than saying XXXX.
Product: Debt collection

Alliance One is a contracted debt collector of the state and more precisely XXXX XXXX XXXX. They claim that I did not pay on the XXXX of XXXX, and I can actually prove this with the recorded phone calls and my bank. The unfortunate outcome of this is that I will have to pay XXXX dollars to keep my license, which I need in order to get to work to even pay any of this money. They have made false statements saying that I did not submit it until the XXXX in order to force the money out of me more quickly, when I have no way of being able to pay that amount. This is very predatory and should be looked into. They have basically lied to me and are being allowed to punish me legally for something that they had wrong. It is n't my fault the company made mistakes, and I will not be defrauded in order for them to make an extra bonus for collecting a debt that is wrongfully being presented. I will now not be able to pay any of the money to them. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX Wa XXXX. I am planning on filing a Complaint and Summons by myself for predatory lending practices under the Consumer Protection Act and ask for damages in the amount that I would make in a years wages. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX  1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a car in full reported but they did not increase my score they keep decreasing my score with no reason reported unauthorized credit check with nothing done to please help report accurate info and delete false
Product: Debt collection

I have ask the company to not contact me in regards of my account informed me they will still call me after I ask them not to then threat to repo the car. They are very rude and disrespectful I ca n't believe company like this exits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report.  XXXX , Transunion did not do a proper investigation or provide me with any validation