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

These Inquires were unauthorized and i am a XXXX of identity theft. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights 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
Product: Payday loan

Global Recovery Group contacted me about a payday loan they claim was taken out in my name. The XXXX data provided by Global is not mine and I unequivocally deny having taken out a payday loan or similar. Additionally, there has not been an attempt to collect from the payday loan company at any point. The " loan '' is not listed on my credit report nor have I received any notification from my credit monitor that a payday loan was applied for or given. I believe this to be a scam to collect on a non-existent or fraudulent loan.
Product: Debt collection

These people threatened to garnish my XXXX check through and did. The man was very rude even when I said I had no idea what he spoke of, he laughed and thought that was very funny. Me, not so much.
Product: Mortgage

Hello, I had a mortgage with XXXX XXXX XXXX my mortgage company sold my mortgage to Mr Cooper effective XX/XX/XXXX, I have been paying my mortgage on time and have never been late and was told nothing on my mortgage changes, hence I started paying Mr. Cooper. In XX/XX/XXXX I had a fire in my house so I have not been living there since. In XXXX I went to do a wellness check, I noticed a retaining wall in front of my house was damaged by a few recent storms we had so I proceeded to call the insurance company XXXX who is currently handling the fire claim and was my insurance company. They stated my insurance lapsed XX/XX/XXXX of XXXX due to non payment. As stated I have been paying my mortgage on time and the money for insurance and taxes are escrowed. My new Mortgage company Mr. Cooper never paid my insurance company to renew my insurance. I called Mr cooper and they stated I have to call XXXX insurance, which I didnt understand, however figured along with mortgage companies my insurance company changed as well maybe. XXXX is XXXX XXXX which was in Mr. Coopers system. XXXX told me my insurance lapsed in XXXX of XXXX. Mr Cooper didnt even know XXXX was my insurance company and the wrong information in their system. I then contacted my insurance agent XXXX XXXX and asked him what to do next and he spoke with still water, still water stated for insurance company to overnight the premium payment and theyll underwrite the same policy. However XXXX later rejected the insurance policy. Now I cant find any comparable policy for less than 400 % my previous policy. Currently I dont have homeowners insurance and Mr cooper is saying if I dont get coverage theyll find it for me at XXXX XXXX XXXX XXXX. Please help! Not fair.
Product: Debt collection

I am XXXX XXXX XXXX and i have not lived with my mother for roughly 20 years, nor have I ever given up any of her information such as phone numbers, addresses or email addresses to any company or creditor I've ever had. This company has emailed my mother as if she we myself informing her of this debt and my obligations to pay, and if I do not respond the negative impacts on my credit were imminent. She also receives an obsurd amount of phone calls where my information is being given out to her and my aunt at times about my financial situations and the possible jail time I face if my family does not have me pay. 
LVNV Funding LLC, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have Accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT #. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I am submitting this CFPB once again, to request to you to remove the disputed fraudulent accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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, In accordance with Fair Credit Reporting act XXXX  account # XXXX has violated my right 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 instruction.I sent a letter to XXXX, Equifax, XXXX, on XXXX its been well over 30 days i still have not received anything back according to 15 USC 1681 ( a ) (! ) ( A ) XXXX, XXXX and Equifax have 30 days to respond to my dispute This is a violation of my right. According to 15 USC 1681. I have the right to privacy and i did not give Equifax, XXXX, XXXX written permission to furnish these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my XXXX credit report for the year like I always do annually and I noticed 8 hard inquiries that I did not approve of and didn't know about. The companies for these inquiries are : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX All on XX/XX/XXXX and XXXX, 2020. And also XXXX XXXX on XXXX XXXX, 2020 2020
Product: Mortgage

I am filing a consumer complaint against my previous mortgage lender Citi-Mortgage ( CM ) for violation to the National Mortgage Settlement ( NMS ). This settlement prohibits lender abuse during the application process of applying for loan modification assistance. Somehow, my ex-wife XXXX XXXX. XXXX, was allowed to complete a loan modification without my permission nor signature in or around XX/XX/XXXX. As a result of this negligence of CM, it appears that because my home loan was allowed to be modified without my consent, the new servicer XXXX XXXX ( XXXX ) now refuses to discuss loss mitigation options with me and will only speak with the co-borrower of the loan which just so happens to be my ex-wife XXXX XXXX. XXXX. I feel that since CM, is still the owner of my loan it is their responsibility to correct the error. In fact CM, obtained a final judgement for foreclosure during the time that I was attempting to plead my case with XXXX, with regards to my rights to the home. First off, Ive provided copies of my recorded mortgage Note dated XX/XX/XXXX, in addition to this my name also appears on title for the property. See Exhibit A ( Mortgage Note dated XX/XX/XXXX ) Secondly, Ive sent copies of the Agreed Order from the divorce that was completed between XXXX XXXX. XXXX and myself dated XX/XX/XXXX, which clearly indicates that XXXX XXXX. XXXX has released all interest in the home and has no desire to be a part of the decision making process for loss mitigation nor any other subject matter relating to the property. This order releases all liability of XXXX XXXX. XXXX and appoints myself as the sole responsible party. See Exhibit B ( Agreed Order Divorce dated XX/XX/XXXX ) Furthermore, both CM and XXXX also failed to adhere to a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. ) CM and XXXX  have blocked me from the opportunity to satisfy the mortgage debt, instead XXXX and CM prefer to take advantage or abuse our homeowners rights in the same process which are deemed as direct violations to 'Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. )  Regulation X.
Product: Credit card or prepaid card

i am my brothers payee for his social security benefits i applied for a replacment card in XX/XX/2019 they gave me a hassil and said i need to send my social security card and goverment id for me and my brother which i did and i never heard back from them so i called agin and they gave me the run around and wanting me to send my information agin i said know because now im getting scam emails from direct   express which they said they dont sent emails but told me to email my information i went to XXXX sc socail security office and the agent called direct express and they gave her the run around and finally told her the card will be in my mail box in 7-10 days it never came so i called to XXXX again they were rude which they always are so i called XXXX sc social security office and they said its nothing they can do need to call XXXX  sc so i called the federal social security at XXXX and explained my situation so the agent called direct express he had me on three way direct express agent was rude and said they cant send the card or give out any information tome with him on the phone so i called back and they tried to get me to send my information agin i said no this a scam then they claim they sent the card and its been used which i never gotten
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX open collection is not know by me and not my account XXXX XXXX XXXX is not accurate and not known by me. Not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX XXXX concerning a medical bill which was Deleted by Transunion in XXXX/2017. In which they were unable to provide a Valid reason for collecting a medical bill with XXXX XXXX XXXX. I had No knowledge of as of today I have not received any response from this company with information concerning this Medical bill. Ive spoken with the Supervisor XXXX in special handling department this morning with Trans Union in which he was very rude to me about it I informed him that I have all my paper work and he said I will have to continue to contact the Collection Agency
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Mortgage

I have a loan with SETERU INC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and SETERU INC with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 15 U.S. Code 1666b I recently reviewed with my credit report and noticed an account that was not reported accurately I had one late payment on an account that I was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on this date XX/XX/year>. I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNKNOWN HARD CREDIT INQUIRIES I DID NOT APPLY FOR? 

XXXX. XXXX XXXX XXXX on XX/XX/2021 XXXX. XXXX XXXXXXXX on XX/XX/2021 XXXX. XXXX XXXX on XX/XX/2021 XXXX. XXXX XXXX on XX/XX/2021 XXXX. XXXX on XX/XX/2021 XXXX. XXXX on XX/XX/2021 XXXX. XXXX XXXX on XX/XX/2021
Product: Checking or savings account

On XX/XX/18, a check ( # XXXX ) for {$420.00} was issued from my XXXX cash management account to service provider. I had issued checks to this service provider successfully via XXXX 's online bill payment feature before this. 

The check was cashed by an unknown and unintended party. XXXX obtained the cashed check from their bank vendor ( XXXX XXXX  ). The  check was endorsed with a stamp that reflects " Santander Bank ''. However, the account and account name are not legible on the back of the check. 

Per XXXX 's instruction, I submitted a notarized fraud affidavit in XX/XX/XXXX to XXXX. I received a confirmation letter from XXXX stating the remediation process could take up to 10 weeks. I have called XXXX periodically to obtain an update and request a provisional credit. XXXX has consistently stated that they are awaiting confirmation that XXXX XXXX  has received confirmation from the bank that cashed the check ( Santander ) and they can not provide a provisional credit or " make me whole '' until then. 

My complaint is regarding Santander 's untimely processing of a fraudulent claim.
Product: Credit card

I made a payment of {$300.00} on XX/XX/year> and it posted that same day. I noticed my credit limit was still at {$0.00} on XX/XX/year> ( my credit limit was {$300.00} ). I called and was told that since I used a new bank account the payment would post in one week on XX/XX/year>. 

XX/XX/year> still noticed my available credit is still {$0.00}. Called and was told that it would be credited to my account in 9 days after the posting date. Plus I havent been able to use the app for over 1 week since the initial payment was posted on XX/XX/year>. I have also been charged {$8.00} per month to use the card which I am aware of. 

It appears to me that XXXX XXXX XXXX XXXX  issued by Synovus Bank is reducing the number of days I can use the credit card in bad faith while charging me a monthly usage fee and holding my payment for 9 days. Plus preventing me from using the app to view transactions and make payments is downright unethical. 

They have since closed my account at my request and removed the monthly usage charge. However I just paid my annual fee in XX/XX/year> and asked for a partial refund of that since my request to close the account was due to their error and unethical practices. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit using XXXX on XX/XX/XXXX and noticed that there were opened and closed accounts, collections, and inquiries on my credit profile that I did not authorize and have no knowledge of how they got there. 

XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$9900.00} XXXX Card Acct # XXXX opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Acct # XXXX opened : XXXX XXXX Balance : {$0.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$9600.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$10000.00} XXXX/XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX Acct # XXXX opened : XXXX XXXX Balance : {$2500.00} XXXX/XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX   Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} Illinois XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX/ XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX XXXX : {$1000.00} XXXX  XXXX XXXX XXXX Acct XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

My servicer, Mohela, is not responding to requests in a timely manner. Today is XX/XX/XXXX. 

On XX/XX/XXXX I submitted an application to switch the to SAVE plan. I requested my loans NOT be placed on forbearance during this time. The application has not been processed yet. After submitting, I received an automatic response that it would be processed within 90 days. 

On XX/XX/XXXX I was advised an administrative forbearance was placed on my loans ( I assume as part of the punishment for their billing failures ). That same day, I requested via secure message that my forbearance be lifted. That request has not been processed or responded to. 

On XX/XX/XXXX I contacted Mohela via phone to again request the forbearance be lifted. That has not yet been processed. 

On XX/XX/XXXX, I sent Mohela a secure message with standing payment instructions and requesting that my account due dates be adjusted to reflect these instructions ( " STANDING PAYMENT INSTRUCTIONS Please do not place my loans into Paid Ahead status. All payments made over my monthly payment amount should be applied to my current bill and not advance my due date. Please adjust my current loan due date ( XXXX ) to reflect this request as well. '' ) This has not yet been processed. 

On XX/XX/XXXX, Mohela sent me two secure messages saying they see I spoke to someone about my previous messages and assume the matter is resolved. I replied immediately advising that 1 ) I do not know which messages they are referring to and 2 ) that none of my requests were resolved. I have not yet heard back. 

The forbearance is blocking me from refinancing my loans, and interest continues to accrue. Every day that Mohela delays their response, it is costing me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

over the past year i have been a customer of XXXX.It seemed as if someone was in my account because I would be charged for things and then two days later I was being told that payments need to be revised so i would have to pay again.when I added my key XXXX bank card it has become worse.key XXXX is removing transactions off of my account such as refunds and processed payments of which I have proof of.In XXXX or 2021 there was a transaction with XXXX that required a refund which key XXXX bank completely removed any evidence of this transaction but I do have a letter from XXXX about this transaction.then on XX/XX/2021 I was charged {$120.00} by XXXX for something I already paid for that has been shipped out on XX/XX/2021 because it was paid for on XXXX system isnt showing that I was charged on XX/XX/2021 but my bank statement says so which is leading me to mu assumptions that XXXX someone professional at XXXX is working with key XXXX bank to commit fraud.they are charging me more than once for items i paid for and removing the payment and pushing the payment time up to justify the extra monety being taken sand it has been happening for over six months.I have reached out and then the next month more issues and I really feel like someone is personally targeting me.this is unaceptable because it is stealing and it is government funds they are stealing.XXXX cant seem to get to the bottom of it but this can not continue..
Product: Credit reporting, credit repair services, or other personal consumer reports

Lenders are not able to pull my credit from Equifax. I have spoken to them by phone 8 times in the last thirty days. Two lender were unable to get my Equifax credit score. I contacted Equifax and they advised there is no hold or freeze on my account. I faxed them all the information to verify my address and name. Call them on the phone is no help they just repeat the same thing. 

Equifax is ruining my life. I need a loan to get my work truck fixed so I can earn income. Yesterday XX/XX/2021. I received mail from Equifax saying there is no fraud alert or active freeze on my account. so why cant lenders pull my Equifax credit?? They don't care. If you ask to speak to a manager they put you on hold for 45 minutes. I would like to file a complaint. Attached is a copy of they letter they sent me. If I don't get this cleared up I will lose my business. 

XXXX XXXX XXXX XXXX
Product: Mortgage

This is the THIRD COMPLAINT I have had to file against Selene Finance, whoever they are! Their continual lies in their responses baffles me! Once again they have lied about my representation! I guess no one there can read a court case because it lists my attorney THROUGHOUT the whole case and it is NOT and has NEVER BEEN the Green Law Firm so do n't tell me to have them do anything! I HAVE NEVER EVER BEEN REPRESENTED BY THEM, GET SOMEONE WHO CAN READ! When you find someone who is competent enough to read the court case maybe they can see where my attorney WITHDREW A YEAR AGO! I AM NOT REPRESENTED BY AN ATTORNEY AT THIS POINT, but with all the lies your company is espousing, I will have to hire one! You completely ignored my certified letter so that will show how you have blatantly lied and ignored all my attempts to make you tell the truth about this case! I will keep filing these complaints so the court will have a record of the lies you have told and how you have STILL not provided the required LEGAL DOCUMENTS TO ME! I STILL can prove you have NEVER contacted ME and your complete disregard for the information I have told you TIME AND TIME AGAIN! READ THE COURT CASE AND MY CERTIFIED LETTER TO YOU before you try to answer with more lies! Since you have simply substituted your name for XXXX 's I am not sure that the Supreme Court case that they lost does not apply to you! When you find that person that can read you better find that case and STUDY IT!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted online request to get my name and address updated and still my name and address are incorrect