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

XXXX XXXX XXXX XXXX rented an apartment to a tenant using my social security number. The tenant defaulted on contractual agreement failing to meet monthly payments resulting in a collection notice against me. I have submitted copies of i.d . and social security to collection company so they can compare against documents provided by identity thief but has not resulted in resolution. If apartment complex can not provide photocopies of tenant to show proof it does not match my identification then this collection needs to be removed from my credit report immediately.
Product: Mortgage

I am a XXXX Veteran and I trusted XXXX XXXX XXXX with my private information to do right by me so my kids and I can have a home. On XX/XX/2018 I told XXXX XXXX, sales manager for XXXX XXXX XXXX   that my credit scores were above XXXX. XXXX XXXX told me if that is the case he can get me 4.125 % interest rate. On XX/XX/2018 XXXX XXXX pulled my credit and said he can get me a 4.325 %. My scores are excellent and above XXXX. I said you told me that you can get me a 4.125 %. XXXX XXXX was not being transparent with me. 

On XX/XX/2018 called XXXX XXXX XXXX and talked with another loan specialist and he told me I can get a 4.2 % interest rate with my credit scores. And he said I can buy down the rate to 4.0 % with {$2000.00}. 

I got a call from XXXX XXXX on XX/XX/2018 and he yelled at me, " You called one of my fellow employees and we can not work like that, you need to get a loan from another company. '' I told him I signed my contract and you pulled my credit reports and got my bank statements, driver license, and Certificate of Eligibility. He said, " it does not matter. '' I asked him to take the inquiries off my credit reports and return my complete file. XXXX XXXX hung up the phone in my face.
Product: Consumer Loan

Synchrony bank account number XXXX. I bought a washer and dryer from lowes in XX/XX/XXXX, interest free. I received a few statements but in XX/XX/XXXX the statements stopped coming. I went to Lowes to check on my account and they did not have any record of the account. I thought the account was paid in full. 
I recently filed a complaint with the CFPB on another synchrony account, and then I received a notice from XXXX XXXX XXXX. on this account for XXXX. The original line of credit was for XXXX.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency Equifax is in violation of 15USC 1681a ( 5 ) for furnishing data that is inaccurate, incomplete and unverifiable on my report. I obtained a copy of my Equifax report and notice 4 accounts with inaccurate data that violate the following sections of the LAW : 15USC 1681 ( B ), 15USC 6802 ( B ), 15USC 1666 ( b ), 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1692 ( g ). This agency failed to conduct a proper investigation and provide an original signed consumer agreement between me and each person or company, where I gave them written authorization or permissible purpose to contact this agency to furnish an account using my nonpublic personal information as per 15USC 1681 ( B ). This agency also failed to provide me with all three of my privacy disclosures ( a-c ) that each person or company allegedly disclosed to me before contacting Equifax with my nonpublic personal information as per 15USC 6802 ( B ). This agency also failed to provide me with each original statement that each person or company sent out 21 days before each late transaction was reported as per 15USC 1666 ( b ) in which, any transaction reported is a violation of 15USC1681 ( 2 ) ( a ) ( i ) where congress clearly states that all transactions or experiences to any person are EXCLUDED from my consumer report. Equifax knowingly and willingly violated several laws and according to 15USC1681 ( e ), it is their obligation to ensure maximum accuracy of the information that is getting reported on a consumer report. Due to these violations and the data being a direct result of identity theft, the consumer reporting agency, Equifax must remove the XXXX inaccurate and incomplete accounts listed in my notice sent to them on XXXX or face legal action for noncompliance.
Product: Debt collection

On XXXX/XXXX/2016 United Student Aid Funds ran my credit without my permission. This is a permissible pull violation and a very serious one to my understanding under the FCRA/FDCPA. I want this item removed from my Credit Report within 24 hours or I will consider this willful non-compliance and I will file a lawsuit.
Product: Debt collection

Dynamic Solutions XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Attempting to collect zombie debt. I have filed a complaint with my State Attorney General, documentation was sent proving SOL has expired. 

Review found on the internet : Just received a call from this 'company ', robocall and then probably a 45 second pause to a live person asking for my husband. I said WHO IS THIS? The lady responds DYNAMIC RECOVERY SOLUTIONS? May I leave a message for your husband? I said no, this is a scam call, she said OK Mam, goodbye. Yeah, blocked that number. I do n't have unpaid debt out there. Probably something that 's over 15 years old. Ridiculous. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I received a call from a XXXX with Dynamic Recovery Solutions, He left an XXXX but also a local number XXXX on XX/XX/2015. 

He had ALL of my information. My previous address, my social security number and said I owed for a XXXX XXXX credit card. He said he would be sending me a statement in a plain white envelope. I called the XXXX XXXX credit card fraud division and they confirmed they found nothing with my name, address or ssn. 
I called XXXX back and he answered! I informed him I spoke with XXXX XXXX fraud division who stated they do not sell debt or use outside collection agencies. This fool says, they did this is a 14 year old debt! I said you have got to be kidding, I am calling the police and I have never heard from him again! And Ii never received that plan white envelope either.
Product: Debt collection

COLLECTION COMPANY MCSI INC XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX is reflecting a collection attempt for this violation. I disagree with the cities finding and demand that this collection company remove their attempt off my personal credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$7600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I lived in the XXXX XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. At move-in, I paid a {$250.00} deposit. The deposit was not returned when I moved out. At move out, I was given a bill for {$160.00} of unpaid charges, which included {$150.00} of charges that were in dispute prior to my move out date. I never received a statement explaining what the deposit was used for. Even though this total is less than the deposit and I was never told of any charges against the deposit, I was still told that I owed the {$160.00}. I attempted to reconcile with the apartment community. I eventually decided to pay the fees to avoid them appearing on my credit report. When I tried to access the online system to do this, I wasn't able to. I called the apartment complex and was told that my only option was to overnight a cashier 's check for the balance or have the account sent to collections the next day. My bank takes 10-14 business days to send cashier 's checks, so the account was sent to collections. 

I've been receiving calls and voicemails from a company called ProCollect based in XXXX, TX. The address they gave me is XXXX XXXX XXXX, XXXX XXXX. I answered the phone call to settle the debt. They gave me my account number and I updated my contact information with the collection agency including an updated mailing address. I asked for them to send an invoice for the money owed and notified them that these charges were being disputed at the time that they were sent to collections. I also emailed the company telling them that the charges were under dispute. Despite this, I have not received an invoice. My apartment complex and the postal service both have documentation of my forwarding address as well. They continue to call me several times per week. I check my mail daily and still have not received an invoice. Every time I've spoken to them on the phone they still insist that I have to give payment information over the phone without being sent an invoice.

I've recently noticed a significant drop in the estimated credit score reported by my credit card company, suggesting that this collection is showing up on my credit history now. All of this seems inappropriate considering that it is an attempt to collect a debt that I'm concerned I don't actually owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I received a copy of my credit report and found the following item to be in error by the provisions of the Fair Credit Reporting Act. I demand this item Ito be investigated and corrected to an " OPEN ACCOUNT '' on my credit report. It is my understanding that you will check this item with the creditor who posted them. I understand that under 15 USC section 1681iA. You must complete this reinvestigation within 30 days of the receipt of this letter. Please send me an updated copy of my credit report. I have paid my mortgage account on time since 2017 and still mailing my money orders in each month. I have enclosed copies of a few on my money orders, with a copy of Notice of Servicing Transfer.
Product: Student loan

For 4 of the last 6 years with Navient my loans have been on deferments and forbidance. Not once was I offered an income based repayment plan instead. I have lost years of eligible payment time.
Product: Checking or savings account

I am trying to connect my pnc bank account to XXXX. I am consistently failing to connect.
Product: Mortgage

I applied for a refinance loan, to buy out a partner. The mortgage lender has been insisting I don't live on the property due to the fact that I have a XXXX. XXXX. They inquired about my divorce of 5 yrs ago and a paternity case where I was awarded legal and physical custody of my son. In their findings they concluded I don't live in the home. They decided not to raise the APR due to their findings instead they told me they would reduce the loan amount by {$50000.00} because my credit rating dropped when they learned I'm a XXXX XXXX and I don't make enough money XXXX XXXX. Yet, today in a phone conversation with XXXX at GHI she admitted I made enough money to pay two mortgages which I have been paying on time for the last 5 years, the other mortgage is part of a divorce settlement where In lieu of child support and Alimony I pay the mortgage. 
I applied for this loan prior to the XXXX holiday, I have been dragged along for two months on this loan process. I feel their practices are unethical and illegal. My personal life should be a private matter that has no effect on my income and my potential to make my mortgage payments as usual. I have a full time career of 20+ years making a six figure income consistently for the past 16 years. This is not the first I have been mistreated by lenders or escrow officers. These XXXX feel they have the right to vindicate another XXXX regardless of the courts decision and facts surrounding the courts decision. This is gender discrimination, but no court or government entity is willing to enforce the law equally and fairly when it comes to XXXX  breaking the law. They're licenses should be revoked.
Product: Money transfer, virtual currency, or money service

The Venmo Service didnt clarify their policy and said my bank account can be used both of Venmo accounts. My concern is registering another Venmo but my old Venmo is banned. They are very rude to inform me and refuse to provide any service but not clarify the specific extra reason. In their first email at XXXX AM, they said they can recover XXXX of Venmo but they dont care if I am in the emergency room or if I cant respond email ASAP so they directly send me another email at XXXX AM at the same day to immediately banned me. They treated me like a criminal instead of a person. I requested further information about why I am banned, but they refused to respond the reason, instead, they copy and paste the boring and same words to let me know I will be banned forever. I dont know why the wrong information will cost like that. I need they recover and reinstate my account XXXX XXXX XXXX XXXX and recover all of my service. 

They have updated to ban me forever on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few months I have contacted XXXX  in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that XXXX would have to remove the inquiry. Today after learning about a glitch that XXXX had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. XXXX response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX DC XXXX Subject : Request for Investigation of Consumer Rights Violations Dear CFPB, I am writing to formally request your assistance regarding a serious violation of my consumer rights related to inaccurate information on my credit reports maintained by Experian, XXXX, and XXXX. I have contacted the credit bureaus multiple time and nothing was never done expect saying that my file was accurate and that is false. There was also an occasion where my birth year was incorrect. 

I have previously submitted letters to the credit bureaus disputing various items that I believe are inconsistent, erroneous, and some of which have been on my credit reports for over seven years. Despite my efforts, including sending multiple letters outlining my concerns, I have not received any satisfactory resolution, nor have I been contacted by the credit bureaus to fully investigate these matters. 

The specific issues I am encountering include : 1. **Inaccurate Amounts** : The reported amounts for several accounts do not align with my records.

2. **Outdated Information** : Some items on my credit report are over seven years old and should have been removed per the Fair Credit Reporting Act.

3. **Lack of Investigation** : I was never contacted by the credit bureaus for further information, which I believe indicates a failure to conduct a thorough investigation as required by law. 

Given these ongoing issues, I am requesting that the CFPB take action to ensure that Experian, XXXX, and XXXX investigate my claims fully and delete any information that is inaccurate, outdated, or a violation of my rights under consumer protection laws. 

Thank you for your attention to this matter. I appreciate your support in ensuring that my consumer rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the fair Credit Reporting Act section 611.
Product: Vehicle loan or lease

To whom it may concern, On XX/XX/XXXX my 2021 XXXX XXXX was totaled by another driver. The Settlement value was precisely {$23000.00}. The Value evaluation from XXXX is included in an attachment. {$19000.00}. XXXX sent a check for Hyundai on XX/XX/XXXX. The check was received on XX/XX/XXXX and processed and cleared on XX/XX/XXXX ( see attached ). Hyundai owes me precisely {$3500.00}. 

However, ever since the account has been overpaid, Hyundai has refused to close my account and have allowed late charges to occur. Since XX/XX/XXXX, I have reach out to Hyundai every single week. I have never got a clear answer, I have been put on hold only to be hung up on. Many times, I have been told a financier needs to close the account, but they seem to always be on lunch or done for the day. I have been told multiple times they would call be back, that has still to this day XX/XX/XXXX ( XXXX months later ) has never happened. 

XXXX has also tried to help me. I was told by a rep from Hyundai that they needed to talk to XXXX before they can close the account. XXXX tried, see the report on the interaction between XXXX and Hyundai attached. Progressive has told me they have been told by Hyundai that they will call them back and never did, they have put them on hold and eventually hung up on them. XXXX has given me all the documentation I would need, and I have sent them to Hyundai with no response. 

To say I am frustrated is an understatement. Frankly Hyundai should be ashamed of how they do business. What I want is my account to be closed like it should have been in XXXX, I want the fees that were added after wiped off, and I want the {$3500.00} owed to me. This has gone on long enough.
Product: Credit card

Ally bought XXXX and required me to make an account with Ally. I have tried about half a dozen times to create an account, but each time, it says I have no account wit Ally. I have called Ally about 8 times and each time they tell me someone is working on it and will call me back. I still have no access to monitor this card 's activity and I have no ability to create an account. They also have no way of contacting them besides a phone number.
Product: Credit card

I lost my TD Double Up credit card ending XXXX while travelling through XXXX. A number of charges were made with the card. These were in towns in XXXX I have never visited in my life, and included a rental car. I reported the card as lost timely, and disputed the transactions immediately. I have disputed these transactions twice now with XXXX XXXX, and the Fraud Dept keeps reapplying them to my account after providing ridiculous rationales, such as that no one used the card after the fraud. Obviously this would not be possible, as I called and had a hold placed on the card after it was lost. I did not make these charges, and feel they are violating the Fair Credit Billing Act in that they are trying to make me responsible for fraudulent transactions ( see below from my statement ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Sir or Madam, Earlier this year I applied for the Colorado Property Tax Deferral Program. This is available for senior citizens who meet certain requirements. I was approved for the program, which means the State of Colorado paid my XXXX property taxes due in XXXX. The amount was just over {$6200.00}. They file a lien on my property and the amount has to be paid back when the property is sold. 

Since my mortgage servicer, Citizens Bank, had already paid the first installment back in XXXX, the County where I reside, refunded {$3100.00} to them through a company named XXXX, which manages tax payments on behalf of mortgage companies. This happened on XX/XX/XXXX. 

I have called Citizens on three occasions in the past 30 days to inquire about this situation and have been told that they will do an escrow analysis to lower my payment and also possibly issue a refund of the overpayment. However, they have not yet resolved the issue and I was told again today to call back next week as they need to 'escalate ' the matter. 

I am a senior citizen with several medical conditions and applied for this deferral program because we are trying to reduce our expenses as best we can. 

Another issue I have with Citizens is that their online portal does not show any escrow information ( it used to several years ago ). I have brought this to their attention on multiple occasions and they just keep sending me to their IT department, who in turn proceed to do nothing. 

I ask the CFPB to reach out on my behalf to request that this issue be resolved and that they provide accurate escrow accounting in their online portal, like they used to. 

Thank you in advance for your assistance in this matter. 

Best regards, XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2016 I called our mortgage company, ditech XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ), to ask them the procedure to have the PMI to be removed from our mortgage payment. I was advised to write a letter asking for the PMI to be removed and giving authorization for an appraisal and told to fax it in. I faxed it in and received confirmation it was received. I was told I would hear back within 30 days. 
I never heard back and have called every month since ( XXXX ) the staff at ditech are very nice but they continue to tell me they do n't understand why the Escrow Department has not contacted me to set up an appraisal. I have asked to speak with someone in the Escrow Department and have been told that department does not take calls. I spoke with a supervisor and she has tried to help but I am still getting nowhere. 
The home values in our area have increased significantly and I would not be asking for this PMI removal if I did not know it is not justified at this point. 
Your help in this situation is appreciated. 
XXXX