23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that's showing on my Transunion report is not correct. I've never lived at this address. Please delete this inaccurate information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX Account # XXXX
Product: Mortgage

Im on XXXX and planet home lending gave me 2 forbearance. I had XXXX county paying my mortgage payment and when the forbearance came up The department refused to pay and now I have six payments late. My money was not in my control. The mortgage people knew this and this is in my name, but I had no say
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this inquiries. Never applied for this companies.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX  XXXX on XX/XX/XXXX from XXXX XXXX of XXXX, who was able to find me financing through Regional Acceptance Corporation, located in XXXX, NC, in the amount of {$23000.00}. I made ten monthly payments of XXXX ; therefore, in XXXX of XXXX, I contacted XXXX  XXXX XXXX to inquire about refinancing my vehicle to have the monthly payments decreased. I was denied for the refinancing and the XXXX loan specialist informed that my vehicle was purchased at an interest rate for 14.95 % and amount that was financed was {$24.00}, XXXX. He informed me that, although, I made ten monthly on-time payments for XXXX that my balance has only decreased to {$22000.00}. Unbeknownst to me, I was a victim of predatory lending and If I knew this purchased contained such conditions, I would have never agreed to such an egregious agreement. Please rectify this situation.
Product: Mortgage

SLS is dual tracking. SLS stopped processing the short sale last week because of the upcoming XX/XX/XXXX sale date. I had an appraisal scheduled on XX/XX/XXXX and on the same day of the appraisal, SLS cancelled it because of the XX/XX/XXXX sale date. SLS told me they would not have enough time to complete the short sale before the XX/XX/XXXX sale date. SLS is supposed to ask the court for more time in order to let me finish the application. 
( i ) Requirements. If a servicer receives a loss mitigation application 45 days or more before a foreclosure sale, a servicer shall : ( A ) Promptly upon receipt of a loss mitigation application, review the loss mitigation application to determine if the loss mitigation application is complete; and ( B ) Notify the borrower in writing within 5 days ( excluding legal public holi days, Satur days, and Sun days ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a complaint with Equifax using their online tool. Received an email from Equifax saying that the complaint was investigated and I need to log into their system to view. They asked for some personal information to confirm who I was. I provided it all accurately and received a message saying " The information you have provided does not match our records ; therefore we are unable to process your request online. '' There is no phone number to call them to discuss it so I can't resolve it directly with them.
Product: Mortgage

I have been processing  a 2nd mortgage for a home purchase through TCF Bank. They have approved the loan then kept finding little things to update and request changed ; most recently they forced our appraiser to update their appraisal for frankly frivolous reasons. Finally, today, they told my broker that he should withdraw the loan as fraud to avoid getting into trouble. I have a seller threatening to withdraw from the contract and charging me $  XXXX /day to keep the purchase alive and TCF is playing psychotic games and throwing insulting comments about terrorists and strawma n purchases. They have been abusive and defamatory.
Product: Mortgage

CALLING ALL SLS Mortgage CONSUMERS. I have e-mailed ( recognized as written request ) Specialized Loan Servicing ( SLS ) of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX to REFUND for the {$75.00} I paid included in my mortgage payment on XXXX. They billed me XXXX XXXX XXXX XXXX XXXX XXXX Charge each {$75.00}, I DID NOT Need this since I was speaking to them every month ( paying my mortgage end of the month ) and all the calls we had are recorded and I told them each time this was my homestead and only residence and I was not leaving. Every single month and their calls are recorded and the evidence is there. Those {$75.00} charges are fraudulent, unauthorized, unnotified, unapproved and illegal ( my property was not in danger of abandonment or otherwise at since the XXXX  I caught up and paid everything from COVID in full plus all the added charges they put on including a {$200.00} XXXX XXXX XXXX fee in XXXXXXXX  ). 

For two months now I have demanded copies of pictures, surveys, invoices I ever authorized, they noticed me about or otherwise. They can not legally take unilateral action and then allege it is true with no supporting documentation and then pass the bill to me when this was never done and never necessary for my condo. I demanded copies of any and all documents they are using in an alleged property preservation with basis, legal reason and requirement of necessity and no one has sent me anything. 
the last e-mail I got they told me to send it in writing ( which e-mails are recognized as written request ) but to mail it in and I did, to no avail. I had requested to get a call form management I have spoken to three managers and now 1 month waiting for another manager because each time they give me a different excuse and the last two recorded calls with the manager specifically said there should NOT have been a charge of ADVANCE EXPENSES NOR ABANDONMENT since my records reflect the trouble was in COVID and payments are always at the END of the month and none past 30 days. They STILL have not REFUNDED MY MONEY nor have they provided any type of documentation of who ordered this fraudulent charge on my account, who they allegedly paid it to illegally cause it was not necessary, any invoices, signatures, deposit or payments and this is just deceitful practices, defrauding consumers at their whim. 

I did a social media blast and realized by the responses this is a popular practice they employee each year with numerous consumers and a class action attorney is being consulted since this is an apparent continual pattern of SLS and they refuse to refund the improper charges and even have attempted to foreclose on a few loan holders. Like my case they all have been in contact constantly and their phone calls are recorded and they too have advised it is their homestead. Proof is in the calls thankfully recorded by SLS.
Product: Credit card or prepaid card

My ex open an account with Barclay 's credit card without my consent. I found out two years later with my app XXXX XXXX because of missed payments. I address it with Barclay 's and they decided to scam me and say that was my account. There's no audio or anything that said I allowed her to access my credit card. I then took it to an attorney to handle the matter. Yet they still insist on scamimg me. This is just a brief summary.
Product: Debt collection

collection agency - XXXX communication company for cell phone keeps trying to collect debt. unknown amount stated they are lawyers unkown debt amount unveriable amount exagerated amount collection ageny portraying lawyers they are just collection agents
Product: Credit reporting or other personal consumer reports

Over the last several weeks, the Federal Student Loan system was accessed by non-government employees. Yesterday, XX/XX/year>, the system was down for 24 hours while employees at the Department of Education were not allowed in their offices. There was no government oversight, our financial information including our social security numbers and information were also downloaded and accessed by XXXX employees through both the IRS and the Social Security Administration. It is illegal to access and utilize this information. I did not authorize anyone to have access to my information. 
My loans though XXXX total {$25000.00}. I was enrolled in the SAVE program created by President Joe Biden and now it is showing I will have to begin paying double what my current payment is starting on XX/XX/year>.
Product: Debt collection

I took a lone in XX/XX/2018 from Bridge Lending Solutions. The interest rate was huge and I later learned they were an illegal lender. I have asked for validation of the debt and to settle for the principal amount of the loan. I believe it was for approximately {$500.00}, however they will not validate. 
Bridge Lending Solutions sold the debt to XXXX XXXX. XXXX called my sister in law pretending to be an attorneys office and told her I was in danger of being arrested due to a debt that I owed. I called them immediately, and while I could tell they were impersonating an attorney 's office, I did set up payment arrangements on the account. I still have not received the written verification that I requested. 
I called due to needing to reschedule my payment and spoke with a representative who was very rude. She would not cancel my payment as requested but did reduce it temporarily for XXXX payment. She threatened that if I did not make the agreed upon payment they would take me to court. She said they would garnish my wages, but I told her that was illegal in SC. She then said they would get a judgement that was worth over 3-4 times the amount owed. I again told her this was illegal and that I wanted to speak with her supervisor. She told me she did not have a supervisor. 
I asked for the full company name and all she would tell me is XXXX. I asked for the address, and she refused to give it to me. Which, I again told her was illegal. All she would give me was an email address : XXXX XXXX
Product: Debt collection

I received a letter from Credit Services of Oregon in XXXX or XXXX of XXXX saying was in debt for {$1100.00} to a doctor I visited back in XXXX. I had not received any billing requests from the company in question back and I assumed my medical insurance covered the cost. I looked on-line and found the statue of limitation in Oregon for debt collection is 6 years so I thought this must be one of the Zombi debt issues and I ignored it. Everything I read online said that I would get a notice if one of these silly debts was going to court. On XX/XX/XXXX my employer received a garnishment request from the State of Oregon for the {$1100.00}. I never received any notice of a hearing where I could contest the debt. As of tomorrow XX/XX/XXXX I will have sent a certified letter requesting more information on the debt in question. Although " ORS 646.639 section 4a '' states : '' A debt buyer or debt collector acting on behalf of a debt buyer engages in an unlawful collection practice if the debt buyer or debt collector : ( a ) Files legal action against a debtor or files legal action to attempt to collect a debt if the debt buyer or debt collector knows or after exercising reasonable diligence would know that an applicable statute of limitations bars the legal action to collect or the legal action to attempt to collect the debt ; '' the State of Oregon XXXX XXXX still approved the judgement, even including the statement " A judgement was entered against the Debtor for the debt, or the debt otherwise became subject to garnishment, on the XXXX day of XX/XX/XXXX. '' I XXXX XXXX XXXX over 15 years ago. I know everything was paid up back when this took place but I can not prov it. I was never given the chance to even dispute it nor did I received a letter that this was going to court. Now I have a garnishment with my employer ( super embarrassing ) for a debt I didn't even know existed. This does not seem right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Credit reporting or other personal consumer reports

This account does not belong to me at all. 
XXXX XXXX XXXX Acct # XXXX Bal XXXX Origanal creditor XXXX.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach, AND as a result of my ex-wife, XXXX XXXX, using my information during our marriage unbeknownst to me. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously AND PERMANENTLY or I will be suing.
Product: Mortgage

Citi has sent my home equity line to XXXX for servicing. And now my balance is displaying incorrectly on Citis web site and mobile app. As of XX/XX/ it shows a balance of {$140000.00} whereas the correct balance - as displayed on XXXX web site, is {$99000.00}. 

Im sure this discrepancy is causing a lot of confusion and stress to Citis customers. I would like this issue fixed for myself and all other customers and some goodwill compensation for having to be the one to point this out to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Mortgage

XX/XX/2020 I placed several calls to Quicken Loans to obtain my payoff and chatted with a representative as well. This process wasnt unacceptable at all. I requested to speak with an executive several times and was never transferred nor was a call back received. The staff was rude and clearly required more training. I still have yet to receive my payoff despite the closing occurring on XXXX and the fact that Quicken is paying themselves to close the loan there is no reason I was unable to obtain the payoff. I spoke with Jalen, XXXX, XXXX, XXXX XXXX This is not acceptable and moving forward I will not conduct business with quicken again nor will I have my mother move forward with her mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations. 

How did you verify these inaccurate accounts? 

Did you talk to the court and if you did who did you talk with at the court? 

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?
Product: Vehicle loan or lease

Warranty Cancellation which resulted in a refund of {$2400.00}. I have yet to receive payment, and have not been given any reason except for that they sent it to the wrong address. 
Reissued check again XX/XX/2023 again being told it went to wrong address. 
Terrible customer service.
Product: Debt collection

No lawsuits have been filed. On XX/XX/2020, at or around XXXX XXXX p.s.t. I had a telephone call with Oportun to inquire about a matter. I was transferred 3+ times to various representatives. On part 2 of the telephone call with rep # 2 I asked if the call was being recorded, which the Represenative said that it in fact was being recorded. No notice was given prior by Represenative # 2 that the call was being recorded as required at the onset of each and every phone call. 

This is a violation under California Code, Penal Code - PEN 632.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting

XXXX did a hard inquiry to my credit report in XXXX XXXX and again in XXXX. When I switched my account from business XXXX to individual XXXX XXXX proceeded to do another hard inquiry on my account despite the fact that they were informed that it was the same social security number and I did not agree to a hard inquiry on my credit. They were informed that if they had to run a hard inquiry on my credit report I was going to close my account. I was assured by the customer service representative that they were not going to run my credit again. When I pulled up my credit report it appears that despite the recorded message of me NOT agreeing to another hard credit inquiry XXXX went ahead and proceeded with a hard credit inquiry. Once again I never agreed to allow XXXX to run my credit for the second time as my recorded message would indicate. I have notified XXXX on several occasions both in writing and over the phone that this is unacceptable and XXXX has done nothing to rectify the situation. I am therefore asking for your assistance in this matter as this company can not be trusted to do right by their customers.