23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, MI, XXXX Employer - XXXX XXXX  Employer - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  reported a debt on my current transunion/XXXX   report. I sent transunion the documentation and spoke to XXXX  on the phone detailing that the account was not in collections and was pulled out on XX/XX/XXXX. Furthermore, the debt was sent to collections in XXXX of XXXX. 
The credit bureaus must wait 180 days before listing medical debt reported to them on your credit report. The grace period allows time to resolve disputes with medical providers or insurance companies before a bill is considered overdue and affects your credit score.
Product: Credit card

I opened this account in XXXX was given {$7800.00} credit limit! I only used approximately {$5800.00} and have kept my account not only paid on time but extra payments!! They have checked my credit at least once a month causing my credit score to go down, reduced my credit available XXXX times making it look bad on my credit score and this has adversely caused me harm! Ive called each time requesting they stop doing this!! Ive worked very hard to keep my credit score good standing and this appears to be a direct hit on my credit score every month! The reply I continue to get from them is they have the right!!! Yesterday they said well Ive taken out so much new credit! Thats a blatant lie! I only took out a car payment since this card and its fully paid off already! This is literally the newest card I have and their excuse is just more lies! Its harmful to my credit and I immediately closed the account in fact I froze the account before their last reduction in credit! 
I am not the only customer they are doing this too! Barclays credit card with Carnival cruise lines credit card is causing a consumer issue! Please assist and stop this company from continuing this unethical practice harmful to consumers!!!
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  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX 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: Student loan

On Saturday, XX/XX/XXXX, I received a summons to appear in court along with my XXXX year old son. ( See attachment ) I am XXXX years old and retired and my wife is XXXX years old and also retired. My sole source of income is my XXXX pension and a reduced pension from Social Security, reduced because of the Windfall Elimination Provision ( WEP ) This summons that I received involves a student loan that my son took out when he was a student @ XXXX XXXX University and I co-signed the loan application. That was back in XXXX and the lender at that time was XXXX XXXX XXXX My son had been paying on this loan in the amount of {$150.00} per month until XXXX XXXX XXXX XXXX informed him that his payments would double to over {$300.00} per month and they refused to work with him to lower the monthly payments. Since that time, my son was injured at his workplace on XXXX XXXX, XXXX and has been unable to work. He has already had one XXXX XXXX and needs a second XXXX. His sole source of income is XXXX XXXX through his employers insurance company and is 50 % of what his full time pay had been. 
Meanwhile, XXXX XXXX XXXX. either sold his loan to XXXX, XXXX XXXX XXXX or retained them to sue both me and my son for the outstanding balance, which they claim is {$11000.00}. I do n't feel that either me or my son are being treated fairly by either the lending institution or XXXX, XXXX XXXX XXXX in taking us to court considering the overall circumstances. From what I have been able to learn about XXXX, XXXX XXXX XXXX, they appear to be a predatory collection agency who routinely take people to court to attempt to collect debts that they are not entitled to collect.
Product: Mortgage

I am currently in bankruptcy, the company keeps increasing my mortgage payment due to escrow insurance and taxes. They paid a policy that I no longer have due to changing insurance companies because the premium is too high. I did a shared modification back in XXXX  which now is showing that I owe more than the original balance on my home. I feel like it is predatory lending because how do I owe more than double of my home. I had to file bankruptcy in order to keep my home. This company has changed hands several times. Now they are trying to file a motion of relief on my bankruptcy again because they said I am not making my payments but I am. I forwarded this information to my attorney. I feel like they are constantly charging me extra fees and can never answer the questions that I am asking. I was just on hold with them to ask for what is the difference in the payoff amount they show a deferred amount and a principal balance. None of them are the payoff amount and when I ask how is the deferred balance more than my original purchase. I am over this situation and would like some help because I feel like I am and have been taken advantage of. They are not posting payments to where I can track them. The people who are customer service can never give me a correct accounting or how payments are posted or which payments are from me or the trustee. I can call today and ask one representative a question, escalate to a manager, and call back an hour later and get a totally different answer from the previous answer.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that SOUTHWEST CREDIT SYSTEMS would verify the debt. So I took it upon myself to ask SOUTHWEST CREDIT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Mortgage

This is a followup complaint to my previous complaint XXXX. 

Regarding my previous complaint XXXX, I appreciate Freedom Mortgage 's prompt response and their acknowledgement of their error made with my account. After consulting with my accountant, the estimate of {$300.00} was lower than the actual taxes I will need to pay as a result of Freedom 's error. The property tax payment made by Freedom Mortgage on XX/XX/XXXX was {$3300.00} and I am minimally in the 25 % tax bracket for XX/XX/XXXX. Freedom 's payment error will cost me {$840.00} in extra federal taxes for the XX/XX/XXXX tax year ( XXXX x {$3300.00} ). Given that Freedom has already sent me a check for {$300.00}, I am requesting a second and final payment of {$540.00} to pay for taxes I will need to pay as a result of Freedom 's error. Please feel free to contact my accountants, XXXX, XXXX and XXXX to verify this information. Their website is XXXX XXXX XXXX and email for XXXX XXXX is XXXX. Thank you.
Product: Debt collection

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Payday loan, title loan, or personal loan

I have several back to back phones calls daily from this company. Then some how they got a company phone number that would not have been listed on any loan applications. I spoke with a lady here a requested that she not call my company phone and to refer all matters to XXXX XXXX XXXX. Then after a few days go by once again they called my company phone harassing me at my place of employment. I requested all information regarding this and I have only received a letter saying I owe money.
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 federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

i told XXXX, XXXX, and XXXX to reinvestigate these accounts account name : First fed credit control : XXXX XXXX however, they stated everything was completely accurate. But how is that possible if the open date, date of last activity and much is incorrect. 
according to 15 usc 168 1i ( 5 ) they are supposed to modify accounts that isnt reporting correctly 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 then records of convictions of crimes which antedates the report by more then seven years 15 u.s.c 1681s=2 ( A ) ( 1 ) A person shall not turmish 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 also they arent even in compliance with XXXX XXXX credit reporting. i have evidence to prove my case
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Checking or savings account

On XX/XX/XXXX I deposited XXXX XXXX XXXX On XX/XX/XXXX I deposited XXXX and XXXX XXXX XXXX On XX/XX/XXXX I deposited XXXX XXXX XXXX On XX/XX/XXXX I paid XXXX XXXX XXXX XXXX On XX/XX/XXXX I withdrew XXXX cash/ bal XXXX and paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX charged me 2 overdraft fees ( XXXX ) for the 2 debets that I previously spoke of which left me with a negative bal of XXXX On XX/XX/XXXX I went into the bank, spoke to 2 tellers and then the branch manager, proved my point and was told they would not remove the fees and that a payment I had in cue would also cause another overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I reviewed my credit report and noticed inaccuracies, on XX/XX/2021 an inquiry was made on my Experian and XXXX accounts by XXXX I do not recognize this inquiry as one that I have authorized and fear that personal information pertaining to me may have been compromised. I have contacted Experian and XXXX to report the inaccurate reporting and have received no response. I have also contacted XXXX XXXX numerous times to demand the removal of this unauthorized entry, I have also received no response to any of my letters from the creditor. I will be satisfied if this inquiry is deleted from my report immediately, as it has damaged my reputation, affected my credit score, and hampered my ability to obtain credit.
Product: Mortgage

My husband was on medical leave post surgery and we asked for assistance with the mortgage to be able to afford or lower the payments temporary during his 3 months leave. Mr. Cooper said we could do a loan modification. 

Mr. Cooper mortgage company told us they would modify our loan and we had the option to make payments or not while we were waiting for them to process it. During the process we missed the three payments which total about 6,000 .Understanding we had at the time a total income of XXXX a month so, when he went on leave it dropped by half until he began receiving 60 % of his income from his XXXX XXXX leave. 

The problem is Mr. Cooper failed to disclose the full details of the modification and didnt explain in detail. We were explained and to our understanding that the payments were going to be moved to end of the mortgage loan. In reality, we were taking out a second mortgage with a different lender. We were not explained this part of the modification. We only found this out when we went to take the equity out to do repairs and remodeling. It was then that we found out that we had two mortgage loans.We had the opportunity to read the contract with little understanding of what were signing. It was our mistake not seek help to assist us in understanding the paper work. 

We trusted our mortgage company and didnt know the correct question to ask to get the answers we needed or to disclose this information. We did not get any money out of it. The second mortgage was a sum total of XXXX that was distributed by Mr. Cooper mortgage company to were they designated it to go.Now we have this mortgage that we cant do anything not even sale the home until that second mortgage is paid up front. 

However, It paid the missed payments but if we had known we wouldnt have done that, we couldve made partial payments and excepted the late fees or let something else become delinquent or found other ways to pay. We were not totally broke we still had my income. I was still employed full time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fraudulently added things to my report without my prior written consent .I demand to see the written consent that I gave equifax to report the listed inquiries on my report .no consent is identity theft .You are in violation of my right to privacy and are in violation of fraud for fraudulently reporting the following things on my consumer report without my written consent .I demand to see written consent.
Product: Debt collection

I received a voice mail at XXXX on XXXX/XXXX/XXXX. asking I call back XXXX This was the third or fourth phone call I received in the last 6 months. I explained the last two times that this is my number and that the person that they are trying to contact is my ex husband, divorced over 5 years. The message stated that there is a petition filed against me and that it would be in my best interest to have myself or my attorney call them. The petition will cause assets to be frozen including tax returns, bank accounts and employment. 
I called back at XXXX pm and I was very frustrated. The arrogant woman whom answered cut me off as she must have caller ID and said this is for my ex husband ( she stated the name before I even continued ). I said I have been divorced for 5 years and I explained this already - she snaps back stating " I did not ask you all that '' and proceeded to tell me that " no wonder why you are divorced ''. Then she hung up on me. I have worked in the XXXX XXXX XXXX XXXX for 20+ years. The message left was threatening, they did not leave their name and they did not even state whom they were calling for, naturally I called back as I was nervous as I had no idea what occurred, should have known better. These folks are bullies, are far from professionals and expect a human not to call back irate after leaving such messages. They need serious help and should not exist as any sort of scheming collection service.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX-XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- -XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- -XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  -- -XX/XX/XXXX
Product: Consumer Loan

My issue is that I was sold a car, which has given me nothing but problems, my car finally died 2 weeks ago, I have already paid CNAC more then {$15000.00} for a XXXX saturn ion, which nearly killed me when it automatically shut down in the middle of an intersection. I have requested to have a settlement with this company, I currently owe {$2300.00}, I asked if I can pleae settle at {$1200.00}, they will not I have a lay by the name of XXXX calling an harassing me twice a day, I have already sent them a cease and desease until they can offer me a settlement. I was pressured into obtaining the car when I purchase it, nothing was really ever explain to me, not even the high interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my partner at the time opened a line of credit with XXXX  XXXX XXXX. He added me to the account, because his own credit was not sufficient to open the account on his own. In XXXX, we ended our relationship, but I was never removed from the line of credit. In XXXX, he made a late payment. When I noticed that it was impacting my credit score, I filed a dispute through Experian and was told that it could not be removed from my report. I contacted XXXX  XXXX XXXX and asked to be removed from the line of credit, but because my ex-partner was the primary account holder, they said that removal of my name of the account had to be done by him. I have contacted him several time to have my name removed from the account, and he has not done so. I would like my name off of the account and the late payment removed from my credit report and am unsure how to go about ensuring this happens.
Product: Credit reporting or other personal consumer reports

These are the companies and inquiries that I do not recognize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have applied for a HELOC through bank of America, the agent for the bank, XXXX XXXX in the Bank of America branch located at XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX application # XXXX The Bank has collected over and above, excessive documentation which I have provided in 2,1/2 months. 
The processor of my HELOC application, XXXX XXXX XXXX, XXXX # XXXX or XXXX, at phone # ( XXXX ) XXXX finally got in touch with me for the welcome call. After a few weeks of working on it, this last week of XX/XX/XXXX through XX/XX/XXXX, he told me specifically after my follow-up, that everything looks okay and complete and I will make sure the appraisal is done by the end of this week. Friday of XX/XX/XXXX was the end of that week, before the XX/XX/XXXX weekend. I was happy and asked him if this is a promise and he said a big Yes... 
Today, this other loan agent that said she is a member of his team, XXXX XXXX, called me on behalf of XXXX XXXX and informed me that they have turned down my application. As much as I tried to inform her about the whole process and convince her that I have been given conflicting information about completing the loan application and promise of completing the appraisal, which is always get done after the approval of a client. she kept repeating the same cliche and hang up on me and left me in complete devastation and a crying mood. I am in shock about this discrimination and I'm completing this complaint against the cruel discriminatory process.
Product: Debt collection

2nd complaint I do not owe this company I have no knowledge of this debt this alleged debt has not been properly verified I am demanding it to be deleted
Product: Mortgage

Sent in tax exemptions for deferred taxes, over XXXX deferrment, deferment, still paid taxes out of escrow, still charging me for them, I have tried to get this resolved for 4 wks now