23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit agency keeps refusing to remove incorrect information from my report which cost me more interest rates and lowers my score. I had a bankruptcy due to a divorce but I paid the student loan off, they keep stating that it was included in the bankruptcy and I have already over a year submitted proof that it was paid off ( letter from the department of education ) and Schedules from the bankruptcy to show that it wasn't included and they refuse to update the account or to take it off. it is the only Credit bereau that has it and it is not allowed by law to include student loans into bankruptcies so its an obvious error.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I placed this order with XXXX XXXX XXXX through PayPal and I contacted the seller and I told them that the item didn't fit, and asked what to I need to do to return this and get my money back, please advise. The sent me a bunch of nonsense telling me about all of the fees that I would need to pay or they would help me to get another item. When it came time for that, they refused to help me. I contact PayPal and file a resolution to this case. PayPal claims to help consumers but, they are not helping me in this case. They closed my case twice stating that they sent me an email on XX/XX/XXXX which I did not read, I actually went to the case itself where there information is not there for me to send the product back to XXXX instead of the email address they sent the item to me from which is in XXXX XXXXXXXX XXXX. Why isn't PayPal protecting me as a consumer? The XXXX customer service reps from PayPal I spoked to are of XXXX decent as well and I feel I am being discriminated against because I told the people at XXXX XXXX XXXX that they are purposely targeting XXXXXXXX XXXX XXXX  and that I was going to report them as well. These companies are purposely targeting us and when their items don't fit, they try to gouge us out of more money by telling us that we have to send it back to XXXX instead of the United States addresses they are using to send them to us from.
Product: Debt collection

XX/XX/18- 3 phones calls between XXXX and XXXX. The first 2 calls I did not answer but on the 3rd I picked up thinking it might be something important. The female who would not provide her name, just that she was with Common Wealth Financial. After giving the company name she hung up. When I called the number back XXXX answered and said this was about a debt but first he must say legally this is an attempt to collect a debt. He DID NOT the mini-miranda This is an attempt to collect a debt. Any information obtained will be used for that purpose '' XXXX never provide the name of the creditor just that it was a medical bill, the amount owed and said he would just send a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names, numbers, and addresses that are not associated with me. I was able to locate an open credit card with XXXX  XXXX. For a ( {$1000.00} ), the company was contacted and cancelled fraud report was filed. 

XXXX XXXX XXXX and Experian were notified, ant the fraud protection was communicated with. 

Nothing was completed except more harm to my credit.
Product: Mortgage

I am a first-time home buyer and I started on my home purchasing journey in XX/XX/XXXX. In this process, I have dealt with two loan officers. The last Loan officer I was introduced to by way of a realtor I was working with at the time. The loan officer 's name is XXXX XXXX, she works for IberiaBaknk/First Horizon. Her NMLS ID # XXXX. I was Pre-Approved through XXXX XXXX for a loan amount of {$230000.00}. After being pre-approved through XXXX XXXX I begin house hunting with my then realtor XXXX XXXX. My experience with XXXX XXXX as a first-time homebuyer was frustrating and produced no results for me. After expressing my concerns and frustrations with XXXX XXXX I decided at that time to sever our relationship but continue my financing with IberiaBank/First Horizon. 

After I discontinued my relationship with XXXX XXXX, I informed XXXX XXXX of my new realtor. After she was informed that I would be working with a new realtor there was a shift in her communication with me, her approach with relaying information to me, her attitude changed for the negative overall. I continued to search for a home on my own and after I had found a home within the pricing of my pre-approval from XXXX XXXX, I informed her of the realtor that would be assisting me with the closing of my contract. At this point, its technically 10-15 days until the expiration of my pre-approval letter. XXXX has received all documentation she has requested from me and has not mentioned any issues as she is receiving requested documents. My closing date was set for XX/XX/XXXX, XXXX XXXX has not called me to provide any updates related to financing issues. On XX/XX/XXXX she called me to inform me that now, I do not qualify for any loan due to my income decreasing by {$270.00}. As I would think any good, reliable, and savvy Loan Officer would present the Buyer with options on how to work around the minimal change in income to secure the contract that has been put in place. She has made it clear to myself and the new realtor team that I have been working with that she is against the idea of me being approved for a loan to make a home purchase due to personal relationships that would not be gaining from my home purchase. She has displayed unprofessionalism by not communicating properly, intentionally giving misleading information to discourage the purchase of a property. I ask that XXXX XXXX be investigated and have all of her DENIED applications audited to see if there is a trend in her behavior with past clients. She needs to have a neutral position in the home purchasing process as the Lender, and not favor a specific realtor to ensure commissions for them.
Product: Mortgage

I am filing this complaint because I am concerned about the unethical servicing practices of First Hawaiian Bank and their obstruction of any path towards resolving delinquent payments related to my grandmothers passing. My name is XXXX XXXX and I am the legal and rightful owner of the subject property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This loan is held in the XXXX XXXX XXXXXXXX XXXX ( trust ) and upon my grandmothers passing I am listed as the successor. My family has the ability and desire to make the mortgage payments on this property which has been placed into foreclosure after my grandmothers death because the bank has refused to accept payments, engage or communicate with my family to resolve the situation. 

My family built this home back in the XXXX. My grandmother XXXX XXXX created a trust in XXXX and I am the beneficiary and successor for the property. We refinanced the referenced loan in XXXX. In XXXX XXXX  my grandmother passed away. The mortgage payments had been set on auto-pay from her First Hawaiian bank account. Once they found out that she had passed away they froze her bank account, which automatically led to missed mortgage payments. Even though I provided the bank with the will and trust documents, their agents refused to engage with me or discuss the mortgage. The letters that were sent regarding the delinquent payments were sent certified and since my grandmother was not available to sign for the letters since she was deceased we could not access them. As the mortgage fell further behind we attempted to resume making payments on the property but the bank would not accept them. 

I contacted the Attorney who was sending the notifications and he said that we needed to provide the death certificate in order to engage with First Hawaiian. This does not make sense, because the bank froze my grandmothers account when they found out she had passed away, not when they received her death certificate. If they were to equitably apply this standard they would have continued drafting mortgage payments out of her bank account until the money ran out or they received her death certificate. 

The reason we were not able to get the death certificate in a timely fashion is because my grandmother was a state of Hawaii employee and she was a victim of identity theft. Someone had stolen her credentials for the state and logged in and then they sold her information on the dark web. As a result it took us almost one year to receive her death certificate. During that time the bank refused to engage with us, refused to speak with us, froze my grandmothers bank account and blocked access to her safe deposit box. Then they filed foreclosure against my familys home. 

This is wrong and we have provided them with the will, the trust paperwork and the death certificate and the bank needs to work with my family. My son XXXX currently resides in the subject property and he will make the mortgage payments with help from me and my mother so that we can get back into good standing.
Product: Debt collection

Sunrise Credit Services filed a report on my credit saying I owed XXXX  {$130.00} for XXXX XXXX  when Ive never opened an account or inquired/received XXXX  through XXXX. XXXX  also does not provide XXXX  XXXX  anymore so theres no way I would have been able to get it XX/XX/2021 as it stated.
Product: Debt collection

After me repeatedly telling them please do not contact me at my place of employment they continue to do so causing me to get written up for receiving personal call while at work.
Product: Debt collection

In XXXX I bought a vehicle from XXXX of XXXX, it was a XXXX XXXX XXXX, the dealership signed me up for automatic payments through a company called XXXX XXXX, before any payments were ever made through that company I read up on them, saw nothing but bad customer service and support reviews ad well as lots of people claiming fraud and such, so I called them had eye witnesses in the vehicle when I called stating I was canceling the account with them and paying my finance company directly, they gave me attitude but still agreed to close it, since my very first payment was due I always paid my finance company directly, then this month XX/XX/XXXX I get a collection on my credit report from security credit systems on my report stating it was opened on XX/XX/XXXX which makes no sense when especially never received any form of notice from anyone about this which is a violation of the fair credit reporting act and fair debt collecting practices, the collection states its for {$590.00} well for starters my monthly payment for my vehicle through my finance company was only {$580.00} a month not {$590.00}, upon me calling the collection company known as security credit systems about violating the law and the fair debt collecting practices and the fair credit reporting act they continued hung up on me, I kept calling back getting angrier and angrier as they continued to hang up me, finally the XXXX who answered the phone and kept hanging up on me said she would get someone else to talk to me, she put the phone down on her desk and I could hear her talking to other people in the office, I could hear all of them XXXX and complaining how they didnt wan na talk to me so she came back over didnt say a word and hung up the phone again, they refused any commit about no 30 day notice, no validating of the debt as well as all refusing to talk to me about it and just hanging up on me, the account in question is fraudulent cause it was closed before ever used, also upon this being done found evidence of attempted theft by autopay plus trying to take 2 different charges of two different amounts from my bank account, 1. For {$600.00} on XX/XX/XXXX then another 2nd. Attempted charge of {$630.00} on XX/XX/XXXX, both were attempted fraudulent charges of theft seeing as neither of those 2 charges were my monthly also the collection wasnt even my monthly car payment, also account was closed before they attempted these charges that they sent to a collection company called security credit systems who are violating the fair credit reporting act and fair debt collecting practices by refusing to comment, talk to me, validate the debt, or even send me any form of notice, and the fact that the original creditor tried charging multiple fraudulent attempted charges of theft when account with them was closed and was paying my finance company directly and at a different price than any of these charges or anything were.
Product: Mortgage

Green Tree Servicing LLC, has issued a summons for Lawsuit, Pettion for Writ of Replevin and Complaint for Money Due. 
I have been Unemployed for XXXX months past due. I have reciently found Part time work at XXXX. I will now be able to make payments. I have made approximetely XXXX monthly payments of XXXX out of XXXX scheduled. 
I have tried to reach Plaintif for Loss Mitigation Package but there has been no responce.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

I have contacted self / lead bank regarding this issue. They responded to me basically saying it is what it is. I have the letter that I sent as well as the response email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a notification that XXXX hard inquiries were performed on my credit report : XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I did not authorize any of the aforementioned companies to perform any form of background check or credit check. More importantly, I have never even heard of those companies and I do not know how they obtained ANY sort of personal information about me enough to run any form of check. What I did find out is that they were contacted by LendingTree. I received an automated email from LendingTree on XX/XX/2023 regarding auto loan refinancing. I clicked on the email, answered BASIC questions about make/model of vehicle. Within 30 minutes I received the notification of the XXXX hard inquiries. I immediately called the XXXX credit bureaus and was told to also contact the XXXX XXXX XXXX to report LendingTree. I filed a complaint with the XXXX and received a response from the XXXX  of New Jersey stating that they will not be moving forward with my request because the company LendingTree is either unreachable or they appear to be out of business. Ironic because XXXX days later I received an email from LendingTree asking me if I was satisfied with the auto loan refinancing and I replied to all of the questions asked. I continue to receive automated emails from LendingTree on a daily basis, so the notion that this company is unreachable or out of business is an atrocious excuse to not do ones job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days or Their investigation did not fix and error on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructionsXXXX XXXX XXXX {$970.00}
Product: Mortgage

I refinanced my mortgage which was serviced by XXXX in summer of XXXX. XXXX Mortgage purchased my loan from XXXX and become the holder in XX/XX/XXXX. I made both my XXXX and XX/XX/XXXX payments online with significant additional principle to keep my loan well ahead of schedule. When I attempted to make the XXXX payment I received notice on their website that the online payment system was 'unavailable ' at the time. I checked daily until XX/XX/XXXX and then I called PHH mortgage to inform them that I was not able to make an online payment anymore. They told me I had to sign a new document of consent to make online and phone payments. They said for {$17.00}, I could pay over the phone one time or send a payment by mail. On XX/XX/XXXX, they charged me a {$74.00} 'late fee ' without providing me the consent form. On XX/XX/XXXX, I received in my online account mailbox on their website, a document of consent dated XX/XX/XXXX. On XX/XX/XXXX, they reported me as 'delinquent ' on my credit report despite my complaints about not having my online payment available. On XX/XX/XXXX, I had to make payment via phone to which they said it would cost {$17.00} to process the payment. I did make the payment over the phone to which they said I wouldn't be able to do in the future and would need to mail it in but should expect online payment working in XXXX. I'm very concerned with this company 's ethics and how they are blocking my ability to pay while charging me exorbitant fees and ruining my stellar credit.
Product: Checking or savings account

On Sunday XX/XX/XXXX I logged into my online banking to process a transfer for XXXX so that I could use the funds for the purchase on my home. I made the transfer from one Capital One Bank account into another Capital One account. Once I completed the transfer I saw that my available balance grew by the transfer amount. I then initiated a wire for XXXX but upon hitting submit received an error message " we hit a snag ''. I didn't think anything of it because after hitting submit I was charged the wire fee of {$30.00}. On Monday the wire never went through, and now on Tuesday the Bank is telling me that although this was a Bank to Bank transfer because the accounts are on two different platforms, it will take 1 to 4 business days for the funds to show up on my account. However they already charged me the wire fee on XX/XX/XXXX and never sent the wire on XX/XX/XXXX, the next business day.
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These loans are from attending University from XXXX. First serviced by XXXX XXXX XXXX then transferred to EDFinancial around XX/XX/XXXX. While serviced by XXXX XXXX in XXXX, on a leave from college I had applied for deferment when the loans began payment due to being a less than part time XXXX. During the time the application was being processed and eventually approved, I was being penalized for several 90-120 days late payments. This still affects my credit report to this day. I believe these negative marks should be removed from my credit report. Secondly, in XX/XX/XXXX my loans were transferred again to XXXX after applying for PSLF. Since XX/XX/XXXX I have been attempting to get EDFinancial to report my loans transferred and closed to the credit bureaus. I have been successful with XXXX student loans. I have included letters and spoken with representatives to no avail. I have suffered the consequences of derogatory credit reporting that is simply incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX
Product: Debt collection

On XX/XX/XXXX  I contacted Contract Callers Inc, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX to inform them Ive been a victim of identity theft and the account they are reporting on my credit file is a direct result of that identity theft. I have sent Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX a police report I filed with XXXX Police Department and communication made with the Federal Trade Commission about the identity theft. Contract Callers Inc has not contacted me or removed the account from my credit file. I believe this company is violating my consumer rights and I will seek legal representation if this matter isnt resolved soon.
Product: Credit reporting or other personal consumer reports

I have written this letter to dispute transactions that are listed on my consumer report, which you BANK OF AMERICA disclosed to XXXX XXXX XXXX. The amount is wrongfully listed on my consumer report because i did not give my written express consent to have these transaction disclosed to any consumer reporting agency with respect to the FCRA and US CODE ( s ). INSTITUTION NAME : BANK OF AMERICA TRANSACTIONS LISTED : VARIOUS TRANSACTIONS I am disputing this unlawful use of my recent transactions