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

This is my first 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 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 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 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: Student loan

Just today alone, I have received 6 phone calls from them at the number XXXX. Yesterday, I received 3, previous day, 4. I also received SEVERAL phone calls per day on phone number XXXX. Per Federal Trade Comission, I thought debt collectors can not call you more than 7 times within a 7 day period.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 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: Debt collection

I lived at XXXX XXXX XXXX for approximately 4 months from XX/XX/XXXX - XX/XX/XXXX. I paid a deposit of {$300.00} ( {$150.00} non-refundable, {$150.00} refundable ). When I moved out of the apartments there was a credit on my account from an earlier over payment. I was informed that the cost of apartment cleanup and final utilities would be deducted from the credit and the deposit money and I would be refunded the remaining balance. 
In XX/XX/XXXX I received a call from the apartment representative stating that I owed a balance of approximately {$300.00}. I asked if the deposit and the credit had been applied yet. The representative became confused, stated that something was wrong with the account and that he would clarify and get back to me. 
In XX/XX/XXXX I receive a call from the same representative and the exact same conversation occurred with him stating he would get back with me later. 
I never recieved a refund or hear back from them about any more bills. In XXXX of XXXX, Sentry Credit Inc. began contacting me stating that I owe the {$300.00}. I have disputed the charges asking for evidence that the debt is mine and a full account of all payments made to the apartment and all charges. Sentry Credit Inc. mailed me a copy of my lease agreement ( which clearly shows the {$300.00} deposit ) and an account summary from XXXX to XXXX. The account summary shows a balance of {$300.00} but does not show the deposit was applied. 
I have contacted XXXX XXXX, but they state that any documentation would be with their parent company XXXX. XXXX XXXX that they do not keep any documentation wants a balance is transferred to a collections company. I spoke with Sentry Credit on XX/XX/XXXX and explained all of the above. The representative agreed that a {$300.00} deposit was stated in the lease, but when I asked that the deposit be applied to the outstanding debt, she became aggressive and belligerent. She stated clearly that there is no other recourse, there would be no further investigation, the credit company does not need to obtain a full record of all payments, credits, and charges, and that if I did not pay my credit will be hit/dinged. I do not know what to do at this point. It will be difficult for me to pay {$300.00} and it seems unfair that my deposit money not be applied to the balance as it was stated would be done in my lease contract. The collector was very intimidating in stating there is nothing to do but pay the balance ( no supervisor to speak with, etc. ) and then she abruptly ended the conversation.
Product: Debt collection

I recently had fraud happen to me.  So this topic is very important to me.  I went through my credit scores and finances.  I noticed two debts owed to an "Advanced Collections."  One account was opened in XX/XX/XXXX for XXXX dollars.  The other was opened in XX/XX/XXXX for XXXX dollars.  I then sent a validation letter via certified mail to Advanced Collections. I then waited a few weeks and they sent something back.  I expected something signed saying I owed money and instead they send me no Validation to owing on these these debts.  During this time, said debt is on my credit report, damaging my credit report and influencing decisions on loans, credit cards, insurance, etc.
Product: Debt collection

I am being taken to court for default judgment. I disputed the debt and received XXXX statement dated XXXX XXXX with late fees and interest charges. I contacted the attorney handling the case asking for more information such as how was card opened, what transpired as of my dispute filed XXXX XXXX, why the account number was changed, when last purchase made, what was balance prior to late fees and interest, etc. She had no answers and told me to contact the original Capital One. I contacted Capital One and they had no answers and referred me to call XXXX XXXX as they had the file. XXXX XXXX had no answers either as they turned the file over to attorneys in North Dakota. I believe I disputed charges and the debt owed is late fees and interest fees how can I get information pertaining to this account?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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: Credit reporting or other personal consumer reports

Bought a car from XXXX XXXX, a third party obtained my information ( CAR ) Car financial out of XXXX  and has reported to the credit bureaus that I did not pay them even though I have sent the lien release showing on XX/XX/2023 I paid my car off and it was released from any lien from XXXX auto who I had a contract with. 
I have requested multiple times from Car to provide any documents with my signature and them not XXXX inwhich I had an agreement for an additional loan on my vehicle. They have failed to provide that. Several complaints have been made to XXXX  and attorney general as well as requesting credit reporting to remove it and asking same documents. I have still not received any documents between car and I that has mine or my husband 's signature on it with them. They are not part nor do they own XXXX XXXX
Product: Credit card or prepaid card

XXXX BB & T does not allow auto pay with anything other than minimum payments forcing you to either pay each month manually or paying forever and never getting out of debt. This is my only card that does this, all others allow you to set your auto payment amount to whatever amount you choose. This should not be allowed, it forces the poor or uneducated into bondage! I called and spent thirty minutes with the bank personnel and then the supervisor and she confirmed very politely that they don't allow that option. I informed them I will pay them off soon and never bank with them again. It just seems to me this should not be allowed to continue, and I hope a complaint filed this way has some teeth and will convince them to change policies. 
Thanks, XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a federally protected consumer under the Fair Credit Reporting Act. Please be informed that as per 16 CFR 313 along with 15 U.S. Code 6802, I am now opting out of any and all authorization I the consumer may have given to Transunion written, unwritten, verbal and non-verbal concerning the following XXXX  XXXX accounts listed on my credit profile with Transunion. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX Please promptly delete all items of information related to the accounts listed above from the file of the consumer. Both together and separately my consumer and privacy rights are being violated. The aforementioned accounts are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm, duress and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a notification that my credit score with XXXX decreased my XXXX point due to a 30 day late reporting. When I opened my monitoring service it showed that Fortiva Credit has me with a 30 day late as of XX/XX/2022. I called the XXXX XXXX and I asked them if I was late paying my credit with Fortiva and recorded saying I am not late for XXXX. I made my payment for XXXX on time and my XXXX payment is not due until the XXXX of the month. This company deliberately reported my credit inaccurately which caused a harm to my credit score. 

I HAVE BEEN TELLING THE CFPB THAT THE CREDITORS ARE DELIBERATELY MESSING WITH MY CREDIT AND THEY ARE NOT BELIEVING ME I AM NOT CRAZY!!!
Product: Debt collection

CFPB filed a lawsuit against the company and the agreement includes partial compensation and a release from lease. I had already filed a complaint for this company in the past. The complaint number is # XXXX. The reporting agency is now stating that I had this agreement through them. And not tempoe Llc. And is refusing to remove from my credit report/file
Product: Mortgage

Blacklist defamated discriminated forgery restricted ilegally retaliated persecuted ilegally They asked for a {$50000.00} US dollards down payment and I gave it to them... also my monthly payments were not calculated properly ... .also, price did not match others, price of townhomes ... ..it is still mine... .forgery, but it did increase in value... damages after that ... will not disclose damages unless asked 2008 ... until today ... Fraud, a short sale?, etc
Product: Mortgage

I am deeply saddened to share that when I logged into my mortgage portal today, I was met with a surprise. I noticed that my regular payment had almost doubled from the previous amount. It feels unfair and unjust for the insurance to increase to {$20000.00} a year. This sudden hike in price is a clear abuse of power over consumers, and it places a significant burden on regular-income families like mine who may struggle to make ends meet. 
I immediately reached out to the relevant parties via email to express my disapproval of this new insurance policy and requested that my previous insurance be reinstated. As a consumer who entrusts the XXXX XXXX to take care of the servicing of my loan, taxes, and insurance, I was left wondering why they would let this happen. I am hopeful that they will understand my concerns and take swift action to rectify the situation.
Product: Mortgage

The company was XXXX XXXX Loan officer XXXX XXXX He told me on since before XX/XX/XXXX that I had been approved for a {$120000.00} at a 3 % interest rate. He had all of my info I had filled out an application and all. On two separate occasions I did a inspections on houses thinking that this process would work. The most recent was XX/XX/XXXX he told me everything with the loan good to go that I could continue with an inspection on the house. I signed a contract with the owner of the house stating the XX/XX/XXXX would be our closing date. I paid {$350.00} for an inspection and {$50.00} for a reinspection. I paid my escrow and found insurance for the house all under his instructions. He told me he ordered an appraisal around XX/XX/XXXX no appraiser ever contacted my realtor to make an appointment he said he cancelled it and ordered another one through another company around XX/XX/XXXX again no one contacted us so he said he switched the company for a third time and had an appraisal scheduled for XX/XX/XXXX the closing date. On XX/XX/XXXX I received multiple messages from him asking be for multiple documents I had already sent him drivers license, social security, insurance info, proof of employment, exc when he sent me the documents it was another application my husbands info was all wrong the closing date was wrong and the loan amount and interest rate was wrong. I tried explaining to him the contract ends XX/XX/XXXX and I thought all this paperwork was done. He refused to acknowledge anything I was asking him. I then received the first of any notification saying he ordered an appraisal XX/XX/XXXX at XXXX and said he would have everything done by the following day. I again stated we could not wait because the contract expired that day. He better brushed me off saying I needed to then get ahold of the title company. I tried to get help from another lender after telling XXXX I will no longer need his services and the other lender told me I did not even have a case number. XXXX lied about everything that had to do with my paperwork and loan costing me, the owner and my realtor money and time.
Product: Mortgage

I have applied for a repayment arrangement with PHH mortgage company and I was denied. I also applied for forbearance and modification and was denied. 

I have the means to pay mama mortgage payment XXXX per month and I was willing to take the XXXX that were delinquent in Due to my husband having XXXX XXXX XXXX being out of work for XXXX years I wanted to add XXXX divided over 12 months or 24 months to increase mortgage payment and until we get the full amount of the XXXX cured. 

XX/XX/XXXX PHH mortgage company sent me an application for reinstatement, repayment, plan, forbearance, or work out home assistant program packet. 

My husband and I completed the packet we sent it certified on XX/XX/XXXX and we just got a notice yesterday on XX/XX/XXXX that we were denied for all three because we have a conventional mortgage. 

In XX/XX/XXXX my husband and I purchased this home that we currently reside in and we had an FHA mortgage PHH mortgage company is saying that in XXXX we got a modification and a modification or switched from FHA mortgage to a conventional mortgage doing that modification of XXXX. 

My husband and I do not recall Being told that we were modifying our mortgage from a convent from a FHA mortgage to a conventional mortgage we would have not agreed to this. We dont we read the contract we did what we had to do. We did not we were not told about a conventional mortgage in fact, we didnt even know what a conventional mortgage was until we found out till we just was told this a couple weeks ago we never knew it. 

And thats the reason why PHH will not work with us or assist us, we dont want modification. I dont care about that. I just want to be able to pay my mortgage payments and take the XXXX rears add to the end of the mortgage or either within 12 months or 24 months with my regular 13 month payments. 

Until we cure the XXXX and they wont do that were gon na make the payments I work been on my job 25 years my husband received total XXXX, Social Security and a pension where he Worked 25 years and was forced XXXX tire early because hes totally XXXX. 

And they wont do it and I feel that Ive been weve been mistreated and were not being treated fairly because one we were not told what conventional mortgage is in the difference between a conventional mortgage and an FHA mortgage. 

We were vulnerable when it comes to conventional mortgage and FHA mortgage and therefore since they switched our mortgage from FHA to conventional they do not have to abide by federal guidelines for mortgage and therefore thats why they will not work with us. 

And I want this investigated we did not know we were signing or has signed for conventional mortgage. We just found this out like XXXX weeks ago because when we were trying to get assistance And they wouldnt give it to us because they said we had a conventional mortgage and this is totally unfair
Product: Checking or savings account

Threw XXXX XXXX from XXXX XXXX I purchased some items which I never received. It was a scam I disputed the transaction with XXXX XXXX they did nothing. I filed a police report and a complaint with the federal trade commission. My bank gave me a provisional credit then took the money back they are saying the transaction are valid. They aren't I was scamed. These transactions are fraudulent I never received any items for which I paid and I tried over and over to reach XXXX XXXX
Product: Credit card

I made a payment then I proceeded to check emails and notice they sent me an e.ail telling me my account was closed. There was some payment made and because of me being out of town checks weren't deposit to cover payment. I told them I would make the payments and they told me they couldn't help me. I told them I would file a complaint with the cfbp and they hanged up on me.this is Goldsman XXXX XXXX credit card. And they are keeping about {$1300.00} of rewards
Product: Debt collection

Stated on XX/XX/XXXX that I will be sued in XXXX for an old debt for legal fees and the amount owed that was from XX/XX/XXXX. The company stated I need to sign some papers. Company 's name continental finance.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a significant issue with TransUnion 's handling of my dispute concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate and must be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). The law mandates accurate reporting, and it is imperative that my credit report reflects this accuracy. 

The unauthorized hard inquiries that have been inaccurately reported on my TransUnion credit report are as follows 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 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  I wish to emphasize that I did not authorize or initiate any of these inquiries. Their presence on my credit report not only unfairly impacts my credit score but also jeopardizes my financial standing. Under the FCRA, credit reporting agencies such as TransUnion are obligated to ensure the accuracy of the information they report, and the presence of these unauthorized and erroneous hard inquiries is a clear violation of this requirement. 

I have previously communicated with TransUnion, disputing these inaccuracies and providing all relevant documentation to substantiate my claim. Regrettably, despite my persistent efforts, TransUnion has failed to take the necessary steps to rectify this situation, and these unauthorized inquiries persist on my credit report. 

I hereby request your intervention to address this matter urgently. I implore you to ensure that TransUnion promptly conducts a thorough investigation and takes immediate corrective action in line with the law. It is vital that these inaccuracies are removed promptly to restore the integrity and precision of my credit profile. 

I kindly ask for your assistance in resolving this crucial matter and request that you keep me informed of the progress and resolution of this dispute. I anticipate a swift and lawful resolution under the FCRA. 

Thank you for your attention to this critical issue. 

Sincerely, XXXX XXXX
Product: Mortgage

I have been in a, Short Sale process with Dietch ( formerly Green Tree ) and XXXX since XX/XX/XXXX.The lenders have delayed making a decision on the process. I can not no longer afford to remain in the home, due to a financial hardship due to living on a fixed income, health issues, expensive medical care, treatments and high cost of medications. Additionally, Major home and auto repairs are contributing to me suffering a financial hardship trying to keep the home. I have live in the home for over 13 years, at the time that the home was purchased I was working. I retired in XX/XX/XXXX. My income decreased from {$78000.00} annually to less than $ XXXX.My income can not keep up with the cost to maintain the home. The home is XXXX levels, my health is deteriorating making it difficult to walk up the steps.I have provided both lenders with continuous documentation since, requesting the XXXX XXXX have complied with all documentation requests from the, lenders. I have submitted all information accurately and timely since XX/XX/XXXX.Ditech and XXXX continue to delay making a decision on my case. Both lenders frequently misplace submitted documents and claim that they did not receive them and that my application is incomplete due to missing documents. I have a team which consist of a Facilitator, a Realtor and a Law Firm who are representing me. The team reviews every document that I complete, prior to submitting them to the lenders for accurate, information. I am bombarded with multiple letter weekly claiming that they did not receive the document and states that my request is denied due to incomplete information. IF have been asked to send the same information in repeatedly. They continue to claim that the documents have expired and that I need to updated the same information that I have been submitting all the time. I have not been provided with any justification for the long delay and lack of decision. I have always submitted and honored all request from the lenders. 
I am fully aware of the severe fine that the FTC and the CFPB levied against Green Tree XX/XX/XXXX for mistreating customers. I feel that the lenders are treating me unfairly. I need your assistance with investigating my case to find out why the lenders do not come to a decision on my Short Sale request.