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

This complaint is in relation to complaint reference number : XXXX XX/XX/XXXX. I received a letter from Equifax stating they do not have any credit information on file with the identification number provided. I forwarded several documents to them, IRS INCOME TAXES, PAY STUBS, UTLITY BILLS. With my social on it. However, I never provided them any sensitive information before. Why must I provide this sensitive information to them. Now we all know the W-2 do not have complete social security information listed on it, only the last 4 digits. However, my check paystub has the full social security number as well as the IRS Income taxes from XXXX has my full social security number on it. I will attach the information I forwarded to them as well as the packaged sent by XXXX. 

This is retaliation in relation to complaint filed on the company for being bias towards an XXXX American citizen born in this country. 

My credit was initially low credit report and never adjusted it after student loans and vehicle loan was paid off. They actually lowered it. After the complaint to your organization, they increased it. Now they lowered it again and falsifying information they never had any of my credit information on file. So more than likely, now XXXX and XXXX will eventually do the same thing.
Product: Mortgage

We wholeheartedly believe that U.S. Bank is purposely slowing the process of assumption of XXXX. Loans. We have now successfully closed on the sale of our home, but only after a very frustrating several months of the buyer ( and XXXX as the seller ) as well as our realtors trying to complete the assumption process. Our loan servicer from U.S. Bank ( XXXX XXXX ) would not return phone calls or emails. Ultimately our buyer decided to cancel the assumption and obtain a new XXXX. Loan at current interest rates in lieu of assuming our mortgage at a much lower rate. 

We were originally quoted XXXX days for the assumption- when we were well into the process the timeline changed to XXXX months. 

The winners here are clearly the lenders and the losers are our veteran buyers with a higher interest rate on their new mortgage and XXXX as the sellers having paid several XXXX dollars in interest due to the inaction of U.S. Bank. 

I believe that lenders across the board are purposely making the assumption process tedious and lengthy to discourage the process. Clearly it is not in their benefit to do so as an industry as each mortgage that is NOT assumed and has a new mortgage written is worth hundreds of thousands of dollars more to the lender over the life of the loan. 

Bottom line- this seems to be widespread and purposeful tactics on the part of lenders to minimize the number of mortgages assumed even though there should be a clear path to provide for this and I believe this path should have a similar timeline as a regular mortgage. 

I have attached just XXXX of the communications that our realty team and we had with U.S. Bank - if needed I can provide notes on the calls made as well. I can only presume that had our buyers decided to continue with the assumption process in lieu of securing a new mortgage that we would have paid out nearly $ XXXX in interest while waiting for the assumption process to complete and the sale to close.
Product: Credit reporting or other personal consumer reports

A report called " XXXX XXXX '' was brought to my attention recently. After printing out my report, I realized that every single transaction from every account I have with Navy Federal Credit Union has been and continues to be illegally shared with unauthorized third parties without my knowledge and without my consent. I have sent notices to the legal team at NFCU, and the response I received had nothing to do with the several Privacy Act violations of which i was concerned about. Each transaction that has been shared illegally violates the Privacy Act and carries a fine of {$1000.00} for each illegally shared transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously tried to dispute this collection off my credit report because it is reporting negatively and hurting my personal life as far as being able to get approved for lines of credit and purchasing a home.  XXXX   XXXX   XXXX   XXXX  has yet to validate that I owe them a debt. In the paper they sent me it has a computer generated signature and not a original signature. It has not been validated and once before deleted off my report and as of  XXXX   XXXX  2017  it reappeared.
Product: Student loan

Mohela sent me a paid in full notice. I am in the PSLF program and celebrated that I was done. And then two months later they sent me an email saying they were mistaken. This is gross negligence.
Product: Credit card

I have had XXXX cards change their limit on me my spark which is a business card my XXXX and my XXXX XXXX all have went down on their credit limits i feel this is totally unfair to a customer who never been late on payments or whos never missed a payment now if I was irresponsible then yes but my credit score just suffered a lot now because I have high utilization this is hurting my business and personal credit once again I have never missed a payment or beer late and they dont think about the consumer and how this will affect their credit score which is totally unfair I feel if I was irresponsibility then yes but this shouldnt legal and if they did wan na take there credit limit down this was there choice it shouldnt affect consumers credit score because its a loss loss I lost the credit and my score goes extremely down totally unfair we need much better laws as consumers
Product: Debt collection

Back on XXXX XXXX I received a notice for a collection in the amount of XXXX $ for a company called XXXX XXXX works. The bill apparently was setup in XXXX and ran all the way through the pandemic and was shut off. This was in a city and state and address that I never resided at. I was asked by XXXX XXXX works to submit information proving I did not live there. I faxed and mailed 80 pages of documents, including tax returns, A lease signed in the state of Georgia from XX/XX/XXXX and letters stating that I still actively reside at this address, receipts with me paying the rent at the local realtors offices, pay stubs and utility bills for the current residences prior to the fraud account and up until XXXX of XXXX. Today the account was placed in collections by Penn Credit Company and back on my credit report. Again this fraud account has done damage to my credit accounts. A police report was filed, and identity theft report was also filed in the state of Georgia back in XX/XX/XXXX when the information first surfaced, XXXX XXXX works received ample documentation and more at their request. I want this off my credit and all attempts to collect to cease and desist
Product: Credit reporting or other personal consumer reports

I noticed an inquiry from your company that I do not recognize. Please send me all information including your reason for this pull
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A LOAN BILL FROM XXXX, EVEN THOUGH IVE NEVER HAD A XXXX XXXX XXXX XXXX, I CALLED AND THE BANK SAID I NEEDED TO FILL OUT AN IDENTIFY THEFT REPORT. JUST A FEW DAYS LATER, I GOT A CALL FROM XXXX ABOUT BUYING A NEW XXXX. I TOLD THEM I DIDN'T BUY AN XXXX. 
SOMEONE ELSE HAD GONE TO A STORE IN NEW JERSEY AND ADED TWO NEW LINES TO MY ACCOUNT. THIS SELF ACCOUNT I DID NOT AUTHORIZE!
Product: Debt collection

I have previously sent you a request to validate my debt per the Fair Debt Collection Practices Act ( FDCPA ). It has now been more than 130-days, A period that I felt was very reasonable. However, Ive noticed that this account is still on all three of my credit reports Even though you have provided nothing in the way of proof that this is my debt, that you are legally entitled to collect this debt, and accounting of the amount of the debt. 

As Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is  validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BEING A VICTIM IS VERY STRESSFUL, AND THE FACT THAT EQUIFAX IS GIVING ME HARD TIME AND CAUSING ME MORE PROBLEMS, BY NOT REMOVING THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. FOR THE PAST 3 MONTHS I HAVE BEEN ASKING THEM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, EQUIFAX HAS RECEIVED MY IDENTITY THEFT REPORT 4 TIMES AND HAS DONE NOTHING. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT.
Product: Checking or savings account

On XX/XX/XXXX, I had to transfer {$5000.00} from my checking account to my savings account to avoid being defrauded by a fake airbnb user, while I attempted to fix the issue directly with Airbnb customer care. On XX/XX/XXXX, a purchase on coinbase went through on my checking account and the bank had to cover the XXXX purchase. I immediately received an e-mail notice of insufficient funds and after having resolved the issue with XXXX, I transferred {$4000.00} back to my checking account from my savings on the exact same day ( XX/XX/XXXX ). Apparently, the bank charged me {$70.00} worth of overdraft fees ( one for covering the XXXX on coinbase and the second one for my XXXX transfer to my savings account ) and withdrew it from my account without reflecting such withdrawal on my online banking transaction history. A week or two later, I received a Notice of Insufficient Funds on the mail, stating that the bank had charged me XXXX for my online transfer and for to coinbase purchase. After reviewing the notice, I checked my account again to see if those charges were reflected on my account. Not having seen the XXXX withdrawal ( or two separate {$35.00} withdrawals ) I thought the bank had made a mistake sending me that Notice and not charged me any overdraft fees since I covered the overdraft on the same day. Fast forward to XX/XX/XXXX, the bank claims to have issued a refund for the XXXX, which again is not reflected on my online banking transaction history. After calling the bank 's online banking department and speaking to supervisor XXXX XXXX, the bank had no feasible explanation for what had occurred. The IT department of the bank figured it must have been because " the transactions happened after the cycle had ended and I needed to wait for another cycle for it to reflect '' ( meaning the banking institution can just take out money from anyones account after the end of any cycle and it will not reflect ). XXXX XXXX encouraged me to speak to the Internal Complaint Department of the bank. After speaking to another employee, her explanation was that because " the bank issued a refund, the transactions balanced out and the bank does not reflect that on the transaction history. '' Both answers given were false. I have screenshots of my mother 's account, who also banks at Wellsfargo, clearly reflecting when a fee is withdrawn and when a fee is refunded. This situation has been extremely alarming and concerning. As of today, those transactions have yet to reflect on my online banking transaction history. The notion that I have to trust that this is the first time this happens is simply preposterous. I can not believe a banking institution is allowed to withdraw money from my account and not reflect it. I went to a branch in my area and they kindly printed out a transaction history that is only available to them, which clearly shows that the XXXX were indeed withdrawn by the bank on XX/XX/XXXX and refunded XX/XX/XXXX. Nevertheless, neither of those two changes are reflected on MY view of my account.
Product: Credit reporting or other personal consumer reports

XXXX transunion and XXXX have allowed my credit to be pulled 106 times within two months
Product: Debt collection

Requested GM FINANCIAL to remove from my credit report as GM FINANCIAL have not provided a signed contract between me, XXXX XXXX and GM FINANCIAL that is binding. I sent a letter on XX/XX/2022, requesting this removal immediately, but have not received results
Product: Credit reporting

I put correct information to obtain my XXXX credit reports online, and ca n't obtain any of them. I wonder if this is because I lost my wallet in XXXX XXXX, Florida in XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts capital XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states 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 reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than 7 years 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the. Information is inaccurate
Product: Credit card or prepaid card

Key Bank will not release my unemployment funds registered to my name and social security number. Key Bank has spent weeks frustrated the issues- Keys management does not follow thru on promised call backs or actions to correct issue. 

The total amount is {$1700.00}.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft.please see attachments
Product: Payday loan

Someone used my SSN and personal information to apply for a loan to deposit money into a checking account also opened with my information. They emptied the checking account and failed to pay. Now a third party collection agency is calling my personal work phone used for business purposes only.
Product: Debt collection

I received a collection notice from this company. I did not make a bill with this company. I tried contacting them for more information about this bill and I have not received a response. I went to the company at the XXXX XXXX location and this company is no longer there. This company didn't provide me any services.
Product: Credit reporting

I 'm trying to get my credit report from Equifax. I got some weird questions that I have done nothing with said company to open a mortgage, bank card, etc. and it said I failed the security check for these stupid annoying questions.
Product: Mortgage

I have a mortgage that is serviced by RoundPoint Mortgage Servicing in XXXX, Tx. In XXXX of XXXX, due to health reasons, we filed a Chapter 13 Debtor Reorganization Plan. The Mortgage is paid outside of the plan. At that time, Roundpoint stopped sending us statements, escrow statements, or acknowledgement of payments received. 

I keep getting statements from XXXX XXXX and From FEMA regarding taxes and flood insurance. Roundpoint will not acknowledge the escrow balances and will not say whether they are paying the taxes and Flood Insurance. 

They claim they can not talk to us but our attorney and we authorized them to talk directly to us. Roundpoint now says they never received the authorization even though they told me before they had received it. We have no way of knowing when the payments are received and if they are being applied in a timely manner nor how they are being applied. 

I believe they are out of compliance by not sending us statements and advising us of amounts due. I do not know if they are applying the payments late and accumulating late charges in order to make our mortgage larger. 

Like I said, we signed a document stating that we would not hold them liable for speaking directly to us under the blanket order from the bankruptcy court. Our attorney agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXnquiry from XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED ONEMAIN XXXX BALANCED {$0.00} CAPITAL XXXX XXXX BALANCED {$2000.00} XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX  XXXX This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Mortgage

Hi My name is XXXX XXXX My loan was originally listed as XXXX XXXX XXXX. 

We received a Mortgage from HSBC back in XXXX 2003, after keeping it we fell into hard times and was approved for a loan modification and then the worst thing that could ever happened. The person who approved it after they reviewed our financial records stated that we were all set and that someone who was her boss was going to speak with me. When she turned the phone over to him, he was the worst person I had ever talked to in HSBC at the time and flatly told me that he did n't care who approved me that he was n't and after the conversation left me crying in the rain at XXXX XXXX. I complained and called back because we had met the qualification criteria and received a call from HSBC on the terms and conditions of the loan modification. 
However, because he was having a bad day, it prevented us from getting the necessary assistance needed. I 've called you all on more than one occasion, even when dealing with XXXX I was advised to reach out to someone. This was the case of someone who abused their power to prevent us from saving our home. I may be insignificant to you, but this was our first home and we lost it because someone decided to exhort there authority aggressively. 
When you mistreat people it does tend to hit the company the hardest even when the majority of the company is not responsible for a few people who operated in corruption, but the acts of one person can hurt and this is the same situation. I 've sent letter by mail, and I 'll called via phone on numerous times and no one returned my call. I 'm trying again to reach out to someone that will hear me and have compassion to help us. As this event was unfair and we were mistreated. 
The address at the time is listed below. I have n't given up because this happened years ago, it 's still wrong and should be addressed. 

I look forward to hearing from someone at HSBC. 
Regards
Product: Student loan

The collection com pany Conserv curre ntly h olds my Federal Student Loan.  I spoke with a representative from the company on Friday  XXXX   XXXX  to make arrangements to set up a monthly payment option. I am currently attempting to rectify the default status and the tax offset of the loan. I was misinformed by a representative that a repayment option would assist in helping get my loan out  of Tax Offset. It w as explained t hat a Title 4 payer is eligible to have the Tax Offset status removed after 6 consecutive on time monthly payments. After I agreed to setup a monthly payment, I then asked the question about the Tax offset to confirm our original conversation. The representative was not forthcoming in explaining that the Tax offset is only eligible for Title 4 payers which I had to ask to explain what a Title 4 payer is which I am not   eligible for. I was misled into a monthly payment arrangement that would have only given  Conserv my money without any solution to my inquiry of removing the Tax Offset and Default Status. I am looking for a solution to take the loan out of Default Status and remove the Tax Offset. I 've had several phone calls regarding my   requests with no resolutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent MOV to experian. No change they stated valid. Sent XXXX XXXX XXXX XXXX debt validation letter XX/XX/2020, they replied with email last night that its valid with no proof of signature that the debt belongs to me nor any contract that its my debt. XXXX XXXX sent a generic letter, no account number nor any personal information in regards to me owing this debt. They validated the information without proof that its my debt. As you will read from the email from XXXX they stated to talk to the credit reporting agency, which I already have. Its seems they are going me the run around like go ask your dad or go ask your mom, childish games. Im trying to finish this last bit of disputes to continue on with my life and live the American dream.