23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I spoke with our account representative about the process of submitting a short pay offer. My A/R told me to submit an offer via email with the offer amount and proof of funds, which I did on XX/XX/XXXX. After no response from the A/R I called several times to make sure he had received the email. When I spoke with the A/R via phone about 2 weeks later, he told us that he had misspoken about the process and that he would be emailing me a form to fill out with my offer terms. I did not receive any form and emailed again XX/XX/XXXX to question when I would be getting this form. I never received a form and emailed again XX/XX/XXXX to inquire. After several voicemails that were never returned I called the Customer Service phone number XX/XX/XXXX and was connected to my A/R. He told me he was still waiting for the form from his boss and that he would send it to me before the end of the day. I confirmed my email and phone number with him. I never received a form. I called again XX/XX/XXXX and the A/R told me that my account had been transferred to a different account representative. He instructed me that I needed to resend my offer and proof of funds. He said he would send them to the new A/R. I sent him the information the same day. I left several email for the new A/R and she has never called me back. I called Customer Service again XX/XX/XXXX to confirm the receipt of my offer. The representative could not give me any information and was not able to reach the new A/R. I emailed the A/R again to confirm receipt of my offer and she has not contacted me since then. 

Fay Servicing has been completely unresponsive to me and I feel they are trying to stall in an attempt to avoid dealing with my request. This loan is in jeopardy of going into foreclosure for a second time and this company is letting that happen by not responding to my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection and charge offs keep coming back with different collector names. Original debts have been on my file more than 7 years already and keep appearing as new debt. This is violating my FCRA. I immediately demand them removed from all XXXX credit bureaus.
Product: Debt collection

First of all I was told by the police I should go to the hospital which they suggested upon seeing my condition. I was badly beaten and robbed. I was treated at the hospital as a crime victim they took my police report incident no and everything. When discharged I was told to go to a different hospital within a week to have a check up for my ear and to come back to the hospital to do some paper work for crime victim. I went to the hospital and completed and provided all the paper work needed. 

When debt collection company kept calling me I kept telling them what happened and they never told me I could dispute it but asked me to send them my insurance which I wasnt liable for or asked me to call crime victim compensation, upon calling them they werent of any help whatsoever. 

Debt collection kept calling me but never mentioned I can dispute it every time I will explain them my situation. Once I knew I can file dispute I asked them to do a dispute representative told me okay and it will be resolved within 30 days. Months pass and today I get a call again regarding the same collection as if its their first time calling me. 

This is having a bad impact on my credit score and I am not being able to improve it due to this collection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default for XXXX XXXX XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS XXXX, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15.U.S.C. 1681 Section 602 A states I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in contact with all 3 Credit Bureaus XXXX XXXX, XXXX  & Equifax i regrades to the misleading & incorrect information reporting to my credits. These accounts have prevented me from employment, I receive harassing phone call and threatening letters i requiring me to pay or else. This is direct violation to the Fair Credit Reporting Act and there are multiple violation impacting my privacy rights. Im going to list everything below. I recently disputed the accuracy of the student loans that were reporting incorrectly to all XXXX credit bureaus. XXXX XXXX was the only bureaus that honor their mistakes and deleted them. They will also be listed below. Its been past 60 days Experian and Equifax should have also deleted these items as well. 

XXXX XXXX : Hard Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax : Accounts : DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00} Hard Inquiries : XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX XX/XX/XXXX {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I had applied for an Auto Loan on XX/XX/2021 and started researching some Cars by shopping around the Dealers for around One Month. 

2. Unfortunately, even though all of my Credit applications were within a period of One Month, the TransUnion credit report shows that there has been 13 hard inquiries to my account which is incorrect and that needs to be treated as only ONE inquiry as per the Credit Bureau norms since it was made within a period of 30 days window and moreover MOST of the Inquiries were within a period of 14 days window.

3. When I tried to dispute the number of inquiries with TransUnion, they are asking me to PAY a fees for the dispute saying only paid members can dispute any reports. Screenshot attached herewith.

4. When I am trying to call the TransUnion on their phone number, it's always transfered to an automatic answering system which says my identity could not be confirmed and I need to fill an onine form in www.transunion.com to dispute any item on the Credit report which again asks for a FEES for any disputes or annual Credit Report.

5. Also, I tried to request my Credit Report online but again TransUnion is demanding Fees for the Report which they need to provide FREE OF COST once each Year.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Enclosed below are the accounts that I have marked as inaccurate : XXXX 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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Opened : XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXXXXXX XXXX XXXX XXXX Original XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XXXXXXXX XXXX Date XXXX Inquiry XX/XX/XXXX
Product: Mortgage

In reference of XXXX  On XX/XX/XXXX, my mortgage was was paid in full, as of XX/XX/XXXX, I have not received the leftover money, I have proof ( USPS Informed delivery screenshots ) THAT I HAVE NOT RECIEVED the money that Penny Mac representative told they mailed.

He or she also stated that " My research found that PennyMac complied with all State and Federal laws and regulations in the servicing of your loan. Therefore, we must respectfully decline your request for compensation '', well she forgot to mention the property lien that regulated in the State or Federal law.

So I want to remind them one more time about keeping a lien on my property pass the State prescribed time.

According to Kentucky Statue - KRS 382.365 " Release of lien, with notice to property owner, within thirty days of satisfaction '' I should have received a notice of lien removal within 30 days of paying of. On XX/XX/XXXX I personally went to XXXX  County Clerks office in XXXX KY and confirmed that there were nothing filled to remove the lien. The same day I paid XXXX  dollars to sent a demand letter to get my money and release of the lien. PennyMac have received the letter on Monday,XX/XX/XXXX.

The only thing the Penny Mac representative was care about is to make response on time with CFPB, The only deadline they met on time.
Product: Checking or savings account

I opened a loyalty checking account online with XXXXXXXX XXXX XXXX on XXXX I deposited money to fund the account on XXXX  & then authorized payment of {$2500.00} by direct deposit from my XXXX account on XXXX XXXX XXXX  locked the account on XXXX  because they detected some kind of fraud and sent me a letter to that effect on the same date. There is no evidence of any kind of fraud by me or anyone else. They told me I had to wait until I got the account closed letter in the mail. this never came. The account remains locked and I have no access to the money. I have called at least 4 times and I'm getting the runaround. I called again today & was told they haven't decided if they are going to close the account. I told them I wanted to close the account now. Then they told me I would receive a check in 7-10 days. I said I wanted to close the account now and have access to the money so it could go back to XXXX. The agent transferred me to Key Bank & they hung up. i was on the phone for about 40 mins and got nowhere. At this point I just want to transfer the money back into my XXXX account. The account is still locked and the money is locked up with it. I hope you can help me with this.
Product: Credit reporting or other personal consumer reports

I am a victim ofXXXX. The information listed below, which appears on my credit report, results fromthat XXXX 

XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$1700.00}. 

XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$290.00}. 

XXXX XXXX XXXX Installment with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$8800.00}. 

Please block this information from my credit reportwithinfour business days, according to section 605Cof the Fair Credit Reporting Act
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX on my credit report with Experian on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is nowXX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  XXXX, has violated my rights DPT EDXXXXXXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without 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 ). States 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: Debt collection

I got loan with Broadway Finance around 2016 for {$500.00}. I have made XXXX XXXX/month on time payments since then, without making headway. 

XXXX mailed Broadway Finance a letter explaining my inability to keep making payments and asking them to not contact me. 

XXXX-XXXX- I received 4-6 calls a day from Broadway Finance as well as Broadway Finance staff coming to my house.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$930.00} Open balance XXXXXXXX XXXX XXXX XXXXXXXX Opened Account status Original creditor name XX/XX/XXXXXXXX  ( 4 mos ) Open - Individual Placed for collection XXXXXXXX XXXX XXXX XXXXXXXX I am not liable for this debt with XXXXXXXX XXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX XXXXXXXX, they did not provide me with the original contract as i requested. 

XXXX XXXX Last reported XX/XX/XXXX {$260.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Account status Original creditor name XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as i requested.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, Credit Karma acquired the personal financial budgeting app/website XXXX. I and many XXXX users have spent XXXX years creating, monitoring, and adjusting our personal budgets on XXXX. When my XXXX account became part of Credit Karma, Credit Karma destroyed all of my budgets without a trace. These budgets were a vital part of my financial planning and represented many years of work product. Credit Karma never gave me an option to save or retrieve these budgets ; they simply and without any warning eliminated them. If you browse the reviews of the Credit Karma app, you will find many consumers with the same complaint.
Product: Checking or savings account

My husband and I have a joint account with the Navy federal credit union. I have had limited access to the account and when I called today to find out why the representative explained that I would need to be a member in order to receive the same access as my husband such as making a digital deposit. She told me that even though I am on the account I am not considered a member and to become one I would have to open a separate account. It is concerning to me that they are trying to force me to open another account that I do not need or want so that I can have the same access as my husband on a joint account. I feel this is a practice they may be using in order to inflate the account numbers.
Product: Credit card

On or around XX/XX/year> I made a hotel reservation with The XXXX hotel in the amount of {$2100.00}. Shortly after I made this reservation I was placed on active orders by my XXXX XXXX XXXX unit and would not be able to make my trip to the Hardrock because I would be activated and out of state during that time. 

On the XXXX website it specifically states no refunds will be given ; however, since I was activated for military purposes and my reason for missing the reservation was beyond my control I contacted the bank I use USAA. 

I made a dispute for the credit card transaction and provided the necessary documentation showing I was called for military service. USAA temporarily gave me credit for the dispute, but two months later on XX/XX/year> I noticed the charge for the XXXX was added back to the total amount due on my credit card. 

I contacted USAA and spoke to a customer service representative and she stated the person handling the dispute missed the my supporting documentation submitted so the USAA representative made a note to reopen my original dispute and resubmitted my supporting documentation. I was told I would receive confirmation of the dispute and I was not liable for charge due to military mobilization. I never received confirmation from my call to USAA. 

On XX/XX/year> I again contacted USAA about this dispute and was told by representative I spoke with that although the person handling my dispute had the documents showing my military activation, XXXX XXXX has their no refunds policy on their website, & USAA having everything they needed to take this charge off my credit card the person handling my dispute wanted something from Hardrock in writing about their refund policy. At this point I asked for the supervisor of the person handling my dispute to call me directly. The USAA representative made notes about the call and said the supervisor would be contacting me by XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am filing to formally request your assistance in addressing an issue with my credit report. I recently satisfied a collection account with XXXX XXXX XXXX, which now reflects a {$0.00} balance. Despite this, the account continues to appear on my credit report, negatively impacting my credit score and overall financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card charged off XXXX still appears on my credit report. 

XXXX XXXX reaged the debt to make it look like it was charged off XXXX. 
It still remains on my credit file as a currently deliquent account. They have falsely claimed it was charged off XXXX. It was charged off XX/XX/XXXX Which is 7 years ago.