23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX.XX/XX/XXXXXXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXXA 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: Mortgage

Hello- I have been diligently tracking my communications with two mortgage companies that have made the process of coming out of Covid forbearance an absolute nightmare. What was supposed to be helpful has hurt our credit, our financial ability to pursue business opportunities, obtain credit personal and/or business credit, and our families emotional well-being. 

Please see the entire documented process at the XXXX XXXX link provided - ( XXXX : XXXXXXXX XXXX ) My main concern at this point in the process is that BSI Financial provided us with incorrect information in their loan modification paperwork and we agreed to something that was not accurately depicted. We were asked to continue making payments until the modification was complete. We received the paperwork on XX/XX/XXXX, and we had it signed and returned on the same day, with the understanding that the agreement was for a total payment of XXXX, as was clearly stated in the agreement. We then began making payments of {$1100.00} for the next three months, which we had to call and make through customer service. Never did a customer service representative tell us that we were making a payment that was less than what was expected of us. Only when we started getting late payment notifications did I realize something was wrong. I called customer service ( call recording in XXXX ) and they told me XXXX would need to handle it. XXXX states customer care should have been helping me. 

In addition to the incorrect modification paperwork, there is some blatant and hurtful disconnect with the non-disclosure that is being provided to a consumer that is agreeing to a loan modification. My total loan payment before the modification was {$1400.00}. Now, my payment is {$1400.00} on a XXXX loan? So I added 10 years and probably XXXX in interest ( I have no idea since I never received an amortization schedule ) to save {$10.00} a month? 

I have my real estate and mortgage loan originator licenses, and I know for a fact that this stuff should not be happening. It's been terrible for my family, and it's terrible for the industry. 

I don't think BSI understands the implications of the negligence of their handling of these issues. It is blatantly clear that they have significant issues with providing terrible customer service and I believe have moral and ethical issues. These issues are affecting families and providing stress beyond what is being seen on paper ... Look at all of these people being affected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I shared with this collection agency, that XXXX XXXX is attempting to collect a debt through them that is not valid. I am asking the company to verify that this a real debt and proof of where I agreed to sign a contract with this company to keep or store my stuff beyond leaving the XXXX XXXX. In addition, I need copies to the bills that that XXXX reported they sent to my house prior to collection for prior years ( which never occured until XXXX. I offered to give company settlement they stated XXXX would not accept. I was then told that the illegal debt from the original biller would be on my credit if not paid by XXXX/XXXX/2016. I offered to pay or make payment of something. I am requesting that this not be placed on my credit or deleted until this company sends the proof XXXX has right to bill me ( copy that I signed contract with them ) which never occured to keep storage etc. 

I am also asking nothing to be placed on my credit and removed immediately if placed until this verification and or agreed upon outcome with XXXX /settlement with agency has had time to respond or develope. Please also note that I wrote via email for this verification over three weeks, Southwest stated on email today he would send ( but later denied ) stating ok I will send the letter and verification you request, the later claimed I was stalling a bill and oh he mailed to my home over 30 days ago. but earlier in email he stated he would verify and send. Point is he is trying to collect a an illegal debt and he is refusing my basic right for it be verified specifically with a letter or copy from original creditor where I signed to place my items in storage and keep my items in storage for a certain amount each month or payment terms or something. ( they dont have record of nor does the orginal company. So instead Southwest is claiming lies that I am stalling payment when I told him that if an agreement is not made I will be forced to pay a illegal bill. I am here for one goal solve this!!!!!!!!!!!! 

Southwest cant verify either nor did they mail anything to my home, because my contract for storage or signed information with that company does not exist and after agreeing to me he would send he then changed his course and lied stating that he mailed out thirty days ago. If that were true why would I have requested in writing verification 2 weeks ago and today? really? 



Please note I can email to someone the entire email conversation with Southwest today. and copy a few statements to verify this I was unable to upload proof but I can email later to your address. 






XXXX
Product: Credit card

my XXXX  complaint was a problem about getting my due date changed so i could stop getting the late fee of {$40.00} stopped. I got that changed [ it took XXXX  months ] from the XXXX to the XXXX, but that hasn't stopped the XXXX  charge. For my XXXX payment i mailed it on the XXXX XXXX XXXXXXXX for my XX/XX/XXXX payment. Barclays claimed that they didn't get it until the XXXX.I mailed it XXXX  days before it was due. I talked to them to try and get the late charge removed but it didn't help. I WAS TOLD MAYBE I SHOULD MAIL IT EARLIER. I can't do this!. IM on XXXX  and only get paid on the XXXX Wed.of each MONTH. My payment has to go from Alabama to CAL.THESE PEOPLE ARE RUNNING THIS OLD XXXX XXXX XXXX MAN CRAZY.CAN YOU HELP?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Consumer Loan

I did a pay off of {$9000.00} on Lending Club as of XXXX, 2015. The account is closed and the amount paid, was accepted as payment in full by the company. They have refused to acknowledge my request for a letter documenting this as well as updating my credit reports.
Product: Mortgage

Nationstar 's counsel, XXXX XXXX XXXX, the attached correspondence serves as my objection to Nationstar 's Rescission of Acceleration of Maturity Indebtedness that was dated XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts 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 furmish a account without my written instructions.
Product: Debt collection

The company XXXX XXXX XXXX XXXX, is attempting to collect on a alleged debt. Please be advised that I have no debt obligations with this company. I have disputed this alleged debt with the 3 credit bureau 's XXXX, XXXX, and XXXX. I have also requested the company provide account level documentation concerning the alleged debt accounts. The company has not provided me with the requested documentation. The company Portfolio Recovery also never provided me with any notice of this alleged debt prior to reporting negative information on my credit file. This company has had an CFPB consent order put out on them for various violations of the fair debt reporting act. I would like for these accounts to be removed from my credit file immediately for lack of debt verification and also on the grounds of the accounts not being mine. I have not debt obligations with the said company. These accounts have caused an hardship in me and my family 's life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has unlawfully violated my rights of privacy and consent as a consumer which has negatively affected my overall purchasing power as a consumer. 

15 USC 1681a ( 3 ) : Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681a ( 4 ) : There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b ( 2 ) Permissible purposes of consumer reports Equifax has assumed a vital role as a consumer reporting agency. Equifax did NOT exercise their GRAVE responsibilities, were unfair, impartial and disrespected my right to privacy. 

I NEVER instructed Equifax to furnish or create this consumer report. Furthermore, I NEVER consented Equifax to this consumer report in the first place. 

I have contacted Equifax multiple times via first class mail and telephone. I have telephone records of Equifax reps responding with " individual actions '' and have committed willful negligence and repeatedly hanging up.
Product: Mortgage

Well let me start off by saying we're XXXX and can't work, Nationstar thought we wanted to ride for free and make no mortgage payment but that wasn't the case. We was waiting on XXXX to get approve when we try to stay in contact they would hang up or they would talk very rude they say you can't stay for free. I know this but just bear with us for a little bit till I get approve for XXXX and they would hang up.They didn't care if I was on XXXX or not,they we're going to foreclose I told them I needed the make my home more affordable program paper's they say ok then I would never here from them until i call
and this went on for a long time they just wouldn't call just didn't care.Then I would call and for the paper work we will sent it at some point they would stop talking.To us I would call and leave MGS. after MGS and no call so if they really wanted to help don't think they would kept in contact with us.there a lot of homeowner's with Lender that have the same problem just check any web site.We had XXXX suppose to be Dedicated Loan Specialist if they really wanted to help we wouldn't be in this problem.XXXX and all of wouldn't call u back.The last time I talked to XXXX I said I need those paper's to fill out and he ok I'll mail them and he waited till the day of sale date
we need those paper's back now and the sale date was the next day.I call and left a MGS
I need more time.They knew it was to late when they saw my income it was to low they wasn't going to make no deal. So when the sale date was here I called them and they just
hung the phone up and I called a few times. And nothing this Lender just wasn't especially
XXXX people with low income.We can't help it if became XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights have been violated according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : States a Creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

HEY, I sent multiple letters asking XXXX, Transunion, and XXXX. Here is my tracking number XXXX. 
It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i- XXXX, Transunion XXXX and XXXX have XXXX to investigate and send me the results. 

And they also didnt even record the current status of the disputed information which is another violation. 

Also If they are doing investigation why arent they showing me documented proof. 
THEY CAN NOT GET PROOF FROM THE COLLECTION AGENCIES OR JUST BY CALLING THEY NEED DOCUMENTATION.
Product: Debt collection

XXXX XXXX at XXXX XXXX called one of my co-workers.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM FILE ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed disputes with all XXXX  Equifax XXXX  requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX  XXXX is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.
Product: Credit reporting or other personal consumer reports

This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of XXXX XXXX XXXX and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution XXXX XX/XX/2022 BMO Harris XX/XX/2022
Product: Payday loan

Outrageous interest rates and unmanageable payments not ONCE a month but TWICE!! Their goal is to keep you in debt, the payments are so high you ca n't afford extra payments!!! They claim interest rate goes down but absolutely not true!!! XXXX for a XXXX loan for XXXX month all interest! Have made numerous attempts to settle and have been ignored!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking and unauthorized credit violations. The information listed below, which appears on my credit report, is the result of that trafficking activity please remove immediately. 

XXXXXXXX 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: Debt collection

Several times they have called me at XXXX and I know they can not contact me before XXXX or after XXXX I have told them and they still continue to call at that time
Product: Mortgage

I am disputing a fee on my credit card dated XX/XX/XXXX in the amount of {$500.00} by the merchant QuickenLoans/RocketMortgage. This charge represents a good faith deposit for a mortgage application. The loan number is : XXXX. 
Quicken Loans knew or should have known that my loan application would never be approved. Therefore, it never should have proceeded and I would not have in good faith agreed to the initial {$500.00} charge. RocketMortgages/QuickenLoans action constitute deceptive trade practices and I am entitled to a full refund. 
My profession is a XXXX XXXX XXXX I currently own 7 properties. I have applied for mortgages to purchase properties and mortgages to refinance properties numerous times in my 25 year career. I am very well versed in the process. 
I applied with RocketMortgages /Quicken Loans to refinance an existing mortgage. I completed the online application forms and I spoke at length with XXXX XXXX XXXX ( XXXX XXXX ) at RocketMortgages. 
I informed XXXX that I was a XXXX XXXX XXXX, that much of my income is derived from rental properties and that several of my rental properties were short-term rentals ( i.e. AirBnB, VRBO, etc. ). He assured me that this would not be an issue. I discussed this in great detail with him because I know from past experience that every lender treats rental income and self-employment income differently. Again, I was assured by XXXX that this would not be a problem. 
Having received those assurances from XXXX, I agreed to the good faith deposit of {$500.00} and to proceed with the application process. However, it is clear that RocketMortgages/QuickenLoans did not proceed in good faith. They knew or they should have known that they would not be able to approve my loan because of my self-employment and investment income. 
Subsequently, my loan application was denied because Debt to Income : Self Employed Income not supported. ( see attached letter from QuickenLoans dated XX/XX/XXXX ). 
It is my position that RocketMortgages/QuickenLoans knew or should have known that my loan application would not be approved because of my income source. Their actions constitute deceptive trade practices. They never should have proceeded and I would not have in good faith agreed to the initial {$500.00} charge. Therefore, I am due a refund of the {$500.00} fee.
Product: Debt collection

We parked in a city of XXXX XXXX lot ... and we came out with a ticket from an outside agency. It was a scam and has been going around XXXX XXXX -- - and they sent the dbt to a debt collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquires on my credit report and bureau refuses to remove them after they placed them on my credit report with my authorization XXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX  XXXX  inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I was approved for 12 months zero interest. However, I was charged 24.99 % monthly revolving interest rate on {$5700.00}. I was charged interest. My total balance did not reduce by the total monthly payment on XX/XX/2018. My monthly statement indicates interest was charged and my total balance reflects that charge of interest. 

This is misleading and confusing, because the promotion was for zero percent interest for 12 months.