23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was illegally sued by XXXX XXXX XXXX for 2 private student loans in XX/XX/XXXX. I had disputed these loans with the original creditor and XXXX and requested proof of debt owed. I never received anything except a summons for court and notification that I was being sued. I had to hire an attorney to represent me and was bullied into accepting and paying a settlement on loans without proof that I owed the debt. My husband and I were in a rebuilding stage of improving our credit after having to file bankruptcy and losing our home in XX/XX/XXXX and felt we had to pay or risk losing everything again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 alleged fraud or extortion XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX OF A ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; CXXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022.
Product: Mortgage

On  XXXX   XXXX  I contacted  two  mortgage companies to refinance my current loan to get a lower rate.  Fifth Third, who is my current company, and another I found on the internet. I thought my current company woul d be a quicker and easier company to deal with.  XXXX   XXXX  told me their closing costs would be less than a new company because I would not need an appraisal etc. My balance due is approx. {$190000.00} and my home is valued in excess of {$850000.00}.  Fifth Third has a copy of my tax assessment showing the value of my home and of course  there is an appraisal on file from the initial loan process. I have not missed payments, my credit is good and I have funds to make monthly payments.   Weeks would pass with no contact fro m Fifth Third rega rding the status of my loan. A list of required documents was mailed to me. I immediately sent the info. Calls went unanswered. I attempted to contact the  manager but he w as not available. Finally a processor,  XXXX   XXXX  contacted me and asked for the same previously requested documents. I sent them again. Then more and more requests for documents came by mail or email. I mailed each requested documment. Some seemed out of line but I did send them. I called  XXXX  and  XXXX  to get status and rarely got through on the phone. I was told around  XXXX   XXXX  all of the documents were received and the loan should go to closing within a few days. Then a few days later I was told I need an appraisal. After the conversation with  XXXX ,  XXXX  said he would speak to the underwriter and I would not need an appraisal. My emails went unanswered. On  XXXX   XXXX  I was told I do need an appraisal.   Finally on  XXXX   XXXX  during the conversation with  XXXX  I told them I do not want to continue to do business with them as they do not seem to be interested in lowering my rate and refinancing.     I am very upset at the runaround I got fro  m Fifth Third and lack of communication. After 82 days they were still asking for documents with no indication of a closing date.
Their unprofessional way of dealing with customers should be noted. I will now start all over again with a reputable company to refinance and be rid of Fifth Third.
Product: Checking or savings account

Capital One is blocking 3rd party apps from accessing my account. When I spoke to multiple customer service agents and supervisors and they said that there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX i have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

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: Debt collection

My wife and I received a Debt Collection Notice from the Law office of Patenaude & Felix on XX/XX/2018. I responded to this notice within 30 days ( Confirmed via Certified mail Receipts and I Confirmed by an associate who works there ) requesting Verification of the debt. Since they received my dispute verification on XX/XX/2018 they have yet to verify this debt however they have continued to attempt to contact myself and the my wife. ( We have recorded calls where the agent Identify 's  themselves along with the name of the law office they are calling from and the purpose of the call ) It is my understanding that they must cease ALL Debt Collection activities until they have provided proof that I actually owe this debt however they have not done that. I feel this company is not operating within the boundaries set forth by Consumer Financial Protection Bureau and would like this matter to be investigated. We will provide any documents needs to help support our claim including the original notice, a copy of the dispute letter, certified mail receipt confirming they law office received my dispute via Mail within 30 days of the original Notice, and voice recordings of the agent calling us as recently as today XX/XX/18.
Product: Student loan

I have made Extra payments to be applied to my principal balance and have selected that option. Citibank keeps putting it towards my Monthly balance. This is XXXX me up to pay off my balance quicker.
Product: Credit reporting or other personal consumer reports

I am writing to address a recent dispute regarding information on my credit report dated XX/XX/2024, that

I received via mail. In this correspondence, I specifically requested details about the verification process TransUnion used to confirm the accuracy of the bankruptcy information reported. I want to clarify that my concern is not about the existence of a bankruptcy filing but rather the accuracy of the associated accounts listed. Upon reviewing the report, I noticed discrepancies regarding certain accounts linked to the bankruptcy which I believe to be inaccurate. I previously provided TransUnion with a copy of my bankruptcy report and the list of accounts included and the accounts that were not
included in XXXX XXXXHowever, the response to my dispute stated that the information had been " verified as accurate. '' I am now seeking further clarification on this verification process.

I kindly request that TransUnion disclose the name of the representative who communicated with the U.S. Bankruptcy Court and also the name of the representative from the U.S. Bankruptcy Court that provided any details from the bankruptcy and the date on which this contact was made. Merely providing the name, address, and phone number of the bankruptcy court is not sufficient proof of validation for the accuracy of the information on my credit report as per credit laws.

It is important to note that I have received a letter from the U.S. Bankruptcy Court explicitly stating that they do not report to any credit reporting agency. Additionally, when reaching out to the US Bankruptcy Court on number provided by TransUnion in my recent correspondence letter, it was confirmed on a recorded call that they do not have any affiliation with credit reporting agencies, making it very clear that no information in regard to the bankruptcy filing was disclosed.

This communication marks my third and final attempt to obtain the necessary information regarding the verification process. If TransUnion is unable to provide the requested details, I respectfully ask that the bankruptcy and all associated accounts be removed from my credit file. Reporting false information is a violation of the law, and I am entitled to accurate and verified information on my credit report.

I appreciate your prompt attention to this matter and look forward to your response within the timeframe prescribed by law.
Product: Mortgage

I have an open complaint with XXXX XXXX. Since I filed this complaint against them I received a letter informing me they found my lost payment and applied it to my account. That was dated XX/XX/XXXX. Today. XX/XX/XXXX I receive a mortgage statement informing me that the amount due is now {$5000.00}. XXXX mortgage payments are missing. All of which have been paid. They are going to charge me late fees on money I do not owe and continue to ruin my credit with this unethical loosing of payments or applying them to the wrong accounts as they like to claim. How are they allowed to continue servicing mortgages when they rob us blind, ruin our credit and then threaten us with delinquency notices and more. How? I am so angry I am shaking. The stress caused by this company us affecting my health..please do something about them and help me get them to fix my mortgage. Who else do I need to contac
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd  request and again I am attaching my documents that Experian said they didn't receive, I am a victim of identity theft, please see all attached XXXX  and documents
Product: Credit reporting or other personal consumer reports

I recently received a copy of my EXPERIAN, XXXX and XXXX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : The account - ACCOUNT NAME : XXXX 15 USC 1681a ( 2 ) ( i ) - EXCLUSION ON TRANSACTIONS 15 USC 1666b - TIMING OF PAYMENTS **** XX/XX/year> FURNISHED AS " OK '' XX/XX/year> FURNISHED AS 30 DAYS LATE XX/XX/year> FURNISHED AS " OK '' HOW CAN I BE LATE UNDER 30 DAYS? PROVIDE THIS PROOF OF LATE PAYMENT WITH BANK STATEMENTS. 

A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH. *DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY. 

XXXX NOT DELETE THE ACCOUNT. 

XXXX DID NOT GIVE YOU PERMISSION TO FURNISH THIS ACCOUNT AS LATE. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b.

Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS ACCOUNT AS LATE. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b. 

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING. 
( XXXX ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I tried to get the advertised annual free credit report from Transunion online. The page said there was technical difficulty. I tried calling the number on page. They would not get a look at the report. Going through other credit reports I found that my ID had successfully been used to get credit. I reported to FTC. I gave trans union report number. They would not and will not let me get an emailed report or online access to it. My ID is currently, actively being used to gain credit fraudulently. They will not help. They keep giving me numbers of people who, in the company claim they can not help me see the online report today, and always, always, want me to open account.
Product: Credit reporting or other personal consumer reports

Received a copy of my credit report inquiry that I didn't authorize
Product: Debt collection

/On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with L J Ross Associates , IncXXXX in XXXX  showing a balance of {$1000.00}. L J Ross Associates , Inc. failed to respond to my validation letter although proof will show that they received this request on XXXX XXXXXXXX  and have yet to respond as of XX/XX/XXXXXXXX XXXX XXXX The uploaded attachment is the letter that was mailed all with return receipt from through united states postal service.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FCRA, FCBA and Privacy Act are in violation by the unaffiliated 3rd party this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Checking or savings account

I received a letter from PNC Bank stating my account would be closed on XX/XX/2021 but no reason was listed, just instructions on the closure of the account and debit card associated with it. Called the XXXX number and spoke to a representative that informed me my account is being closed due to the branch filing a complaint referencing rude/sexual comments. Shocked at the news, I wanted to discuss with the branch manager to find out why this is happening, and to also bring up to attention that this is untrue and maybe a mistake. Branch manager XXXX XXXX was not willing to discuss any details, and just kept referencing me back to the XXXX number ( whom referred me to the branch manager initially ). Needless to say nothing has been accomplished. I am extremely offended that something like this would be reported on myself, and that I can not even defend myself so that I don't have to go through the hassle of not only having to find a new financial institution, but to have to transfer all automatic debits/deposits as well. I am elderly and this is not easy for a person like myself to accomplish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how Transunion investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX,
Product: Mortgage

It is obvious that Land Home Financial Services has no intent of approving our VA assumption loan at a 2.75 % interest rate. I understand it is not in their financial best interest. However, when you agree to provide VA loans, you agree to provide all VA loans, you can not pick and choose which loans you will approve. This lender has kept us in the dark as they worked behind the scenes to disapprove our loan. Not once was I contacted by a loan officer. The only person I had contact with was an executive assistant named XXXX XXXX who was relaying messages from the underwriter. On the XXXX of XXXX I sent another email requesting information about the status of our loan. Only then did I get an email from the assumptions department telling me the loan had been submitted to the VA. I then had to ask them specifically if the loan had been approved or denied for them to tell me " I think it was a denial ''. I contacted the VA who said the appeal had been denied. I never submitted an appeal so I am not sure how it could have been denied. Apparently a XXXX XXXX ( XXXX, XXXX ) from Land Home Financial Services sent a message to the VA stating that the appeal had been denied. This company is misrepresenting me and the information they provided to the VA is not true. I am currently waiting on a call back from the VA case officer for our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX, XXXX  XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.
Product: Debt collection

I Contacted IQ Data to follow on a validation letter signed by my client to validate a debt requested on XX/XX/2018. The letter is attached with this complaint showing a fax confirmation of our request to their fax number on their letter head in response to our first request which was not completely done but only a statement from the original creditor which also was not a break down of fees or charges, from them or the creditor. 

I called on XX/XX/2018 and spoke with an account representative about XXXX and XXXX being deleted from my clients credit reports but XXXX was still being reported. 

I had asked why they still were reporting to XXXX? First the rep told me that it was outside their statute of limitations. I then asked if thats the case, why then are you still reporting it to XXXX? This representative seemed very confused and placed me on hold. 

A supervisor by the name of XXXX XXXX got on the phone and told me that your client has sent us a cease & desist letter, and we can not discuss this debt with you or him. I disagreed to her response and said that is not true. I have the letters in front of me. Our last letter was dated for XX/XX/2018 asking you for the missing information that we never got in my clients letter dated from XX/XX/2018. I see you guys are not validating the debt or sending any response to my clients request which they said they received. XXXX XXXX said my client has sent them a cease & desist letter which is not accurate. The last letter which is attached clearly states if they did not respond to my clients request that they are willfully in " Admission of Silence '' by not responding and my client will use that in his defense. After telling Mrs. XXXX this, she started yelling at me and asking me if I was an attorney and I clearly said no, but Im my clients agent with a POA on file with you as a licensed credit repair business. Mrs. XXXX would talk over me and not allow to pursue my clients request in disputing the debt and requesting a fair validation request or respond to our second request. Still the validation request has not answered in a timely manor. My client feels they have violated his Fair Credit reporting rights.Its now been 30 days as today writing his validation. 

Please see both letters attached- POA ( Notarized ) Fax confirmation for XX/XX/2018
Product: Mortgage

I have a mortgage with Rocket Mortgage, XXXX Quicken Loans. My taxes and insurances are held in Escrow, each year. In XX/XX/XXXX, Rocket Mortgage paid out the incorrect amount for the Flood Insurance, with FEMA. Rocket Mortgage, paid out {$7000.00}, the correct amount should have been {$750.00}. I received an Escrow analysis from Rocket, on XX/XX/XXXX. To my surprise not only did I have a negative Escrow, but my new monthly payment was skyrocketing from {$1200.00}, to {$2800.00}. I knew immediately there must be a mistake. I contacted my Insurance agent, who then contacted FEMA, to get this problem corrected and they have since issued a refund for the overpayment. Plus, Rocket mortgage was notified of this. The reason for my complaint is because Rocket Mortgage, insists I pay the higher, incorrect amount, of {$2800.00} ; until the negative Escrow is resolved and a new Escrow Analysis is done. My problem is I can not afford to do that, for the next few months, as they suggest. I am also concerned with my credit report being affected, if this problem is not corrected soon. My next payment is due XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Under the ( FDCPA ) initimadting actions and pretending to be somebody else I received an email from a XXXX XXXX ( Settlement Department ) stating this was my final notice otherwise I could be prosecuted on this matter. Went as far as stating in the letter that they would fax the issue to my current employer to make sure they take strict actions again me. and my salary and wages be confiscated.I recieved this email on XX/XX/2017 2017