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

On XX/XX/2024 I received an alert from a credit monitoring service I subscribe to that there was an inquiry on my TransUnion report. I was shocked and confused as I had my credit frozen with all three credit reporting bureaus a year ago when the XXXX  DMV breach occurred as I was affected.

XX/XX/2024 I called the TransUnion customer service line after being directed to do so by the website. I have multiple XXXX  XXXX, I am on XXXX and I have a government-approved care provider to help me with daily tasks. I explained to the customer service representative that I needed help understanding the questions. He refused to allow me any accommodation, refusing to restate the questions and instead telling me that my answer " I don't understand '' was unacceptable. 
I asked for a supervisor since I have XXXX and could not understand why they would not provide any reasonable accommodation for my stated XXXX. The supervisor also refused to help or explain how I could resolve things in a way that allows for me to receive the help I desperately needed. The supervisor refused to help me nor explain what steps I should take. They did tell me that they froze my credit at the time but that they would not send me mailed verification.

XX/XX/2024. I received two calls from someone claiming to be from TransUnion saying that not only was my credit not frozen, but that it had been until the phone call on XX/XX/24. I was told that the representatives at that time UNFROZE my credit contrary to what was requested and to what was expressed to me.
Product: Mortgage

I applied for a " streamline XXXX  XXXX  refinance '' on XX/XX/XXXX with CASHCALL MORTGAGE company located at XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX Loan Agent - Team 7 | NMLS # XXXX, with the knowledge provided to me that I would get a loan between 3.750 to 3.875. They pulled a bait and switch on XX/XX/XXXX ; XXXX XXXX had another person XXXX XXXX speak with me trying to put me in a hire loan rate, telling me the new loan rate would be 5.1 and an investor loan for an owner-occupied property. I asked why when I live in the property. I spoke with XXXX XXXX and asked for XXXX XXXX because I wanted to see if they would remove the hard inquiry on our credit reports since the loan could not be made as informed. XXXX XXXX informed me that XXXX XXXX was gone for the day.
Product: Mortgage

I notified Planet Home Lending , LLC regarding difficulty making the monthly mortgage payment. My husband and I were out of work for an extended period with no income because of the national COVID-19 pandemic. Planet Home Lending , LLC placed the loan on a forbearance planned and promised that once the forbearance program was over, the loan would be modified into a COVID-19 modification program. The forbearance ended and no COVID-19 modification program was provided. Even after requesting several times and offering to resume monthly mortgage payments. Planet Home Lending , LLC refused to accept our monthly payments and requested we pay several of thousands dollars at once to bring the loan current. We could not provide the insane amount to bring the loan current, so Planet Home Lending set a foreclosure sale date. We attempted to sell our home to avoid foreclosure but Planet Home Lending , LLC canceled the XX/XX/XXXX  sale date to allow the sale to happen ; however, they immediately rescheduled the sale for XX/XX/, while the contract was still valid. Unfortunately, the sale fell through because the home would not appraise for the amount Planet Home Lending , LLC would accept. Now we are faced with another foreclosure sale date of XX/XX/. 

Planet Home Lending , LLC was contacted to inform contract had fallen through and that we now wanted to remain in our home and attempt a modification. We were denied the right to apply stating we are going to turn it down, so don't bother! 

I believe Planet Home Lending , LLC has misled me and my husband and is more interested in foreclosing on our home than helping us to save our home, I believe that Planet Home Lending , LLC is in violation of RESPA and dual-tracking, by preventing us from applying for mortgage assistance, promising assistance, canceling the sale and immediately rescheduling sale for a later date to force another foreclosure auction.
Product: Mortgage

We refinanced with company in XX/XX/2020. When the rates dropped we applied to refinance with same company. The Loan originator made promises but never submitted our application. We wasted a month trying to get him to start the application. We have A1 credit and income. Refi should have been a slam dunk easily. Our guess is that doing a refi would cut into loan benefits earned last year or we are victims of racism. This is the same originator who did an excellent job on our first refi with Owning. When we realized he wasn't going to help us, we began an application with new loan originator at owning. /Guaranteed Rate. Things started out great, we gave them everything they asked for. Again, should have been a slam dunk, A1 credit plus income. Refinancing can now save us approx {$270.00} per month. They never had the numbers/amounts correct on documents even after we supplied correct official information. It has now been over six weeks and they give one excuse after another for not closing. I tried to reach the loan originator and loan processor 's supervisor who, to this day has not returned my call.
Product: Vehicle loan or lease

As of XX/XX/XXXX, my job was affected through COVID-19. As on XXXX, I was offered a job a XXXX, and continue be on and off lay off, it can be verified through layoff on news articles, and currently not working due to XXXX complications in the first trimester. Ive called Credit Acceptance if they have any hardship plan that I was able to qualify for during the COVID-19 Pandemic. Unfortunately I was denied. As of XXXX my XXXX XXXX XXXX was Repossess by XXXX XXXX. I paid in the dollar amount of {$690.00}. In order for the truck to be released, unfortunately that would be the only reliable source of transportation meanwhile I find a Suitable and permanent place of employment. As of XXXX I also mention to them that, I mention to them prior repossession occurred that I mention I did call for a hardship program but they mention they did not offer such assistance.
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX   two days before y credit card was due on  XXXX   XXXX ,   XXXX   i made the payment for  XXXX  dollars i make monthly. But  Wells Fargo states payment was not received. As a result, account is being collected, late fee was imposed, and interest rate was increased. Customer was not notified of any problems. I received an email and a confirmation number stating the payment was made. I have previously used this account to make my payments to Wells Fargo. Previously i had never had any problem but it seems to be an attempt to scam customers. After calling Wells Fargo i was insulted by representatives. I was denied help, and communicated instead with Executive office at Wells Fargo.
Product: Money transfer, virtual currency, or money service

Money sent to my account from unknown sender. When I contacted Chime they stated my account had a negative balance of {XXXX originally and the money sent covered a portion of the balance so it was unable to be transferred back to the sender. I advised that I was unwilling to steal someone else 's money or commit fraud to minimize my negative balance and that the transfer needed to be refunded. They insisted that the transfer was not able to be refunded to the sender. I advised that they would be instructing me to commit fraud and steal money from the sender as it was not meant for me and they said it was not fraud that the money covered my negative balance. I requested two supervisors and all of these people stated the exact same thing. When I advised I would be filing complaints with the FTC and Attorney General and CFPB they said I was allowed to do what I wanted. I asked if they were aware of who these entities were and they all said no. This was an outsourced call center in a foreign country clearly unaware of their instructions ramifications. XXXX XXXX XXXX XXXX XXXX for over 10 years and have never heard of instructing customers to keep money from an unknown source despite a negative balance.
Product: Debt collection

Midland 's representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX - Balance {$580.00} XXXX  # XXXX - Balance {$880.00} XXXX XXXX XXXX  - Balance {$230.00} XXXX  # XXXX - Balance {$110.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Xfinity My mobile device no longer could get calls or make calls. I used another device to contact customer service only to be told by the representative that there was three calls placed, from someone identifying themselves as me. That individual took my phone number XXXX and transferred it to my daughters XXXX XXXX. Took my daughters phone number and it became obsolete and then my phone was given another new number in its entirety. Which was XXXX. 

I asked numerous questions, I asked for security, they refused to give me any information. 

Of course immediately due to security reasons and lack of the ability to protect my privacy and the privacy of a minor child I terminated the contract with XXXX. 

This needs to be removed from all 3 credit bureaus as it is affecting my score and ability to purchase a home.
Product: Vehicle loan or lease

Toyota Financial Services Toyota Motor Credit XXXX XXXX XXXX XXXX, IA XXXX Account XXXX XX/XX/2012 Stole my down payment, didnt apply it to my purchase. I signed my car lease a week before. The company called me back up to say there was a problem with financing and I had to come back to resign papers. I contacted the company several times and it and they havent responded with the down payment.
Product: Mortgage

Applied for a mortgage with quicken loans my credit pulled up as XXXX XXXX XXXX and got a pre approval letter then was told I had active disputes witch I definitely did not was only dispute comments from old disputes so they had me remove them and re pulled my credit once again and middle number was XXXX and their is this program out their XXXX to XXXX buy had to remove other dispute comments and they prob will have to run my credit again witch will drop my score again
Product: Credit reporting

On both my transunion and XXXX report XXXX has my account listed as charged off or repossesed. My car was stolen and I have the police report to prove it
Product: Debt collection

I am writing to formally dispute the validity of the debt listed on my credit report. I believe this debt does not belong to me, and I am requesting a thorough investigation to correct this error. 

I have no knowledge of this debt and did not authorize or incur any charges related to it. I kindly request that you investigate this matter and remove this erroneous debt from my credit report. 


Please confirm that you have received this dispute and inform me of the outcome once your investigation is complete. I would appreciate prompt action to rectify this error, as it is negatively affecting my credit report. 

Thank you for your attention to this matter. I look forward to your timely response.
Product: Debt collection

I received a letter dated XX/XX/2019, which stated that an account had been listed with the sender " for collection. '' It appeared from the letter that it was a claim on behalf of an insurance company ( XXXX '' ) relating to a date of " loss '' of XX/XX/2019 and listed the name of an " Insured. '' I have no relationship with either XXXX or their insured, nor was I involved in whatever incident they were cryptically referring to. On XX/XX/XXXX I responded by letter, telling the sender that I disputed the validity of the claim, demanded that they provide information including detail of their so-called claim, and took them up on their offer to identify the " original creditor '' and " current creditor. '' I have not received any response to my letter. 

Instead, I received a second letter, dated XX/XX/2019, telling me where to send my payment. The letter did not include any of the information I had demanded. I understand that this second communication violates the Fair Debt Collection Protect ion Act.
Product: Debt collection

Midwest Recovery Systems is reporting I owe {$320.00} dollars for a payday loan. I have never been contacted regarding this debt nor sent any documentation proving is mine. I disputed this wrongful reporting on my credit reports and they are still not sending me written proof that this belongs to me. This charge as of today is currently being reported on my XXXX  and XXXX reports. They both have different contact information. This is fraudulent and incorrect reporting. I need this to be investigated and complete and for it to be removed as this is a fraudulent attempt to tarnish my credit. The open date states XX/XX/2018. I have not opened any payday loans. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in 3 parts sense it involves XXXX different companies ( maybe ). 
Part 1 : XXXX XXXX XXXX ( XXXX  ) ; currently I am having a problem with the IRS and a notice went out to all tax accountants in the land by law ; well I received a call from XXXX on or about XXXX XX/XX/XXXX telling me how they can fix my problem with the IRS. The Rep said he can a XXXX debt to a XXXX settlement for XXXX just simply hung up. So tried to call XXXX back, but no answer, I tried calling the for days, weeks, and never herd from them again. 
I called the IRS about later and the IRS never had XXXX listed listed on my form XXXX authorization to perform as Power of Attorney, nor have they heard from them ; there has been no settlement reached or discussed. This is a pure scam involving one company trying to act as three or what. The two financial companies are demanding payment; PLEASE HELP!
Product: Mortgage

Been in the re modification stage of my mortgage loan for 7 months. Was stated that it would be ready in XX/XX/2015. Mortgage company still has yet to finish the modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft this is a fraudulent account and needs to be removed from my account immediately
Product: Money transfer, virtual currency, or money service

After many months of trying to get PayPal to send me my balance of {$50.00}. with no success, I called on XX/XX/XXXX. After a long cue I was able to speak with an offshore agent only to increase my frustration. I asked for a Supervisor numerous times before another long hold. After more than 45 minutes, I learned that although I have been a verified member since XXXX, PayPal policy will not allow them to send a check to my address of record because it is a po box XXXX 
In 14 years they had no problem taking money from my credit card with the billing address to the po box XXXX My account has always used this po box XXXX 

XX/XX/XXXX PayPal insisted on a home address ( as a victim of a violent crime mine is protected ). They asked for my drivers license. It also has my po box listed. They asked for a bank account, or a debit card. 
1. I tried to add a debit card numerous times to facilitate receiving my {$50.00} credit balance. Their system would not accept it. Each time prompting me to try again later - 2. I explained this to the supervisor who walked me through the steps- again their system would not accept my valid debit card. I asked him to please send me my money. He declined. He insisted on more personal information. 
3. I dont trust PayPal with my bank account based on all the complaints against PayPal .

4. I asked to close out my account- not add to their data base.

5. The Supervisor said I can not close my account with a credit balance.

6. They refuse to transfer my {$50.00} to my Visa credit card.

7. PayPal created a catch 22 situation to their benefit and consumer/ my detriment.

They refuse to release my funds and refuse to close my account and remove my credit card from my PayPal account.

Can you assist?

Can you request my account credit balance of {$50.00} be sent to CFPB?

Thank you,
Product: Credit reporting or other personal consumer reports

I've requested to the company to provide me information as to what Remarks they added and removed to my accounts also not being told what remarks are bring added or removed. XXXX isn't showing my 3 credit cards only 2 and I can not get any reason from any of the institutions as to why they have taken my score from XXXX and now dropped it to a XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/XXXX to dispute a XXXX which turns into XXXX  for collections on my credit file. I have never heard correspondence from Transunion or XXXX about validation of debt and they continue to dispute this incorrectly. I have contact XXXX, because XXXX is so old it was bought out by another carrier years ago. XXXX even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. Transunion and XXXX have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through Transunion and XXXX.
Product: Debt collection

I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit card or prepaid card

I received an UNSOLICITED credit card from XXXX  XXXX. There was a hard inquiry against my credit score ( XXXX ). I did NOT request this card and want all references for this hard inquiry removed from my credit history. 

At the same day I RECEIVED this card a got also got a SEPARATE letter telling me my account was suspended. In this letter it was asking for Drivers license ID. Social Security, AND Utility bill, bank statement W2 form or 1099 Form.

This seems like a SCAM. No way I would send all that information to anyone!
Product: Debt collection

After XXXX for XXXX XXXX, I received a bill from XXXX XXXX XXXX XXXX for pre-admission testing and a XXXX XXXX. I am insured under an XXXX, and XXXX XXXX is out of my network, but can obtain a prior authorization to cover such services ( they had all of my insurance information ). 
After much investigation, it was determined that XXXX XXXX did not attempt to obtain a prior authorization. I've talked to lots of people at the facility who agree with me and offer help, but I never hear from them again. XXXX XXXX refuses to negotiate. 
Now I have debt collectors contacting me.
Product: Debt collection

This company leaves a voice-mail insinuating that they are representing me as my lawyer. Also when I called back they wanted me to give personal identifying information to them before validating who they are or why they are calling. Also saying that they received my information from a 3rd party. I kept the deceiving voice-mail. I asked them to stop calling. I followed every rule on the FTC website and they do not
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  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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: Mortgage

After three failed attempts to have Fay Servicing apply funds to outstanding late fees, I am submitting this complaint. I have contacted them three times by telephone. I have written them XXXX letters, as well. All to no avail. 
Currently, my account has a balance of {$160.00} sitting in an account that Fay Servicing calls, 'Suspended Balance. ' I also have an outstanding amount due in late charges of {$160.00}. I have asked Fay Servicing to apply the money in the Suspended balance to the outstanding late fees. To date, they have failed to do that. I tried reaching my account manager, XXXX XXXX, but she is not available. I did speak with her on XXXX XXXX, 2016. At that time, she told me that the money would be applied to the outstanding balance for late charges. That never happened. Today, I called Fay Servicing for the third time to resolve this matter. XXXX XXXX was not available. When asked to speak to her manager, XXXX XXXX, I was told he was not available but would call me. He has yet to do that. 

It should not take XXXX letters and XXXX phone calls to have a simply matter like this resolved. I also ca n't get an answer from Fay Servicing as to why their accounting system software can not apply the money in my account properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have filed a compliant with XXXX, XXXX  and TransUnion as I did apply for anything reflecting to this inquiries, and did not authorize or grant permissible for them to utilize my credit report. 

Please remove the following inquiries as they do a line with any account that I have : XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX USED CA Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021