23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX/CROSSCOUNTRY MORTGA Pull my credit without my permission, or without a permissible purpose, by law, they are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) They also are trying to mislead me by saying in a letter send to me, that I gave verbal permission to XXXX XXXX. I have checked all my corresponded between me and him. I have NEVER gave him Permissible Purpose. I have attachment screenshot of our conversation. 

XXXX XXXX guarantee me that he did one hard pull in my screenshot of our conversation. Now in this letter they send me he said I gave a verbal permission for a 2nd credit score pull.
Product: Debt collection

We are filing a dispute regarding the failure for Bank of America ( BAC ) to complete a modification review under Home Affordable Modification Program ( HAMP ). 
Our loan was originated in XXXX with XXXX Mortgage Company, which in deed makes our family eligible for the review of HAMP programs and all of the programs original intent and initiatives for benefit of homeowner such as myself. It is unlawful on multiple levels for our loan to be discriminated and excluded from review of such programs based on XXXX XXXX XXXX ( XXXX ) being named as investor/owner for our mortgage loan. Although we are thankful for consideration and approval of a modification program, we are dishearten by the fact that BAC, and XXXX are purposely overlooking our family for a much more beneficial program than what has been offered on XXXX XXXX, XXXX. 
The reasons given for our multiple denials of HAMP not only are ambiguous, but also evasive and without detail or relevant cause and appear to be a ploy to avoid offering our family a deeper savings at 31 % of our gross income. My theory, is that both BAC and OLS presumed the HAMP program to be dissolved at the end of XXXX, and the denials were a preemptive decision made prior to the FHFA 's announcement made that HAMP was being extended until the end of XXXX. 

Both BAC and XXXX, are major participants of the HAMP program and it is completely out of character of industry standards since XXXX and in the wake of both financial institutes losing federal lawsuits for thousands of acts of deception, abuse and fraud of homeowners nationwide. In fact there are still thousands of pending and unresolved lawsuits against of XXXX. The lawsuits allege, among other things, that XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX ( " XXXX '' ) engaged in a deceptive scheme to delay or deny permanent mortgage loan modifications through the federal Home Affordable Modification Program ( " HAMP '' ) to desperate homeowners, systematically breaching their contractual obligations to homeowners, committing deceptive trade practices, and causing significant financial harm. 

Our loan was approved of what 's called a Bank of America loan modification, on XXXX XXXX, XXXX for a payment in the amount of {$1200.00}. Based on my gross qualifying monthly income of {$3500.00}, the payment equates to a front end debt to income ( DTI ) ratio of 36 % to 40 %. However, had our loan been reviewed accordingly for the HAMP program, our payments would be based upon 31 % DTI, equating to a much more affordable amount of {$1000.00}. 

We are seeking for our loan to be reconsidered for the HAMP program. We are seeking a more thorough and detailed explanation as to why we are being overlooked for a program that we rightfully should be considered and qualified to receive. This complaint will be forwarded to the our state attorney general as well as Michigan Department of Financial Institution for their review of my grievances.
Product: Credit reporting or other personal consumer reports

Im not been able to access my XXXX credit report to follow up on disputes to check accuracy ever since the one of the data reaches recently. I cant seem to get logged in. Ive called him and called them. They just put me on hold transfer me around and then they tell me lies whenever I do talk to somebody Trying to get a vehicle and I keep getting denied because of my XXXX score being so low due to all the accuracy is really causing to be turmoil. Equifax is the same way experience is a little bit better but nonetheless theyre all still reporting an accurate information and theyve all had that preaches that my information has been leaked so Im at the mercy and Im in desperate dire need of accurate reporting Negligent
Product: Debt collection

After General Revenue Corp verified the debt they claimed I owe, I sent them a debt settlement letter ( attached ) and they have yet to respond. The letter was sent XX/XX/2022.
Product: Debt collection

I've seen no changes for the accounts that I have filed last month. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan that is currently being serviced by Loancare LLC. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for XXXX my loan payment amount XXXX {$830.00} ) to initiate the forbearance. The forbearance was denied without explanation. I contacted Loancare LLC, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, Loancare LLC has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all 3 credit reporting agencies ( XXXX XXXX and XXXX  ) and continue to do so.
Product: Debt collection

I have requested the information about the debt from the company and the company has failed to provide me about the debt information. I have notified the XXXX  and theyve said they do not know about them. The company only reaches out to me by phone and I have requested they mail Me but theyve failed.
Product: Credit reporting or other personal consumer reports

Greetings i have just notice that these companies listed has bought my personal information not to collect a debt but reporting for profit to themselves. This is against permissible purposes of my credit report. I do not owe any debt and refuse to pay charged off, collections accounts. Debt bondage is against the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is a serious crime because I understand what fountain pen money is. There is no money gold and silver coin. Money theory and credit says that we use credit. Credit is only from the living sole. That's why corporations need and sell information to generate income through debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There is no law that gives debt collector the right to steal and sell my personal private information. This is identity theft and fraud on me. I will not work to pay debts that is unlawful. According to all of the privacy acts I have the constitutional right to be protected and secure. I do believe the CFPB willfully does not hold these thieves accountable to the letter of the law. The law is clear about Identity theft and permissible purpose. I do not have any written agreement with theses companies I am not lawfully obligated to pay a third party a debt that was charged off. That would be insanity paying a debt that a group of thieves bought to coerce more money from me a living man.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX in person to obtain a written letter stating I did not have a car loan with them. That letter was submitted to Experian/upload about a month ago. Im getting a notification saying the company is still saying the information on my credit is accurate and wasnt removed. It appears theres a person with my same name but hes social security and passport are different. When I spoke with the bank management I gave them my passport and social security to prove them I wasnt the person on that account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/year> I filed a complaint in regards to XXXX ShellPoint. I wrote stating that since XX/XX/year> I have been trying to get my PMI cancelled off of my account. 
On XX/XX/year> I received a letter from XXXX stating that PMI will be removed given that my loan met the requirements post appraisal. In XXXX my mortgage note dropped from {$1100.00} to {$1000.00}, which is a {$76.00} difference. {$76.00} is what I was paying in XXXX  each month. However, even though my note went down as if PMI was cancelled, PMI was still being pulled from my escrow account. I had three withdrawals from escrow in the amount of {$76.00} after XX/XX/year>. One on XX/XX/year>, second on XX/XX/year>, and third on XX/XX/year> totaling {$230.00}. After many calls a supervisor named XXXX XXXX called me on XX/XX/year>. XXXX stated that PMI would be cancelled and that {$230.00} would be credited back to my escrow account. PMI was canceled. However, I was only credited {$46.00} on XX/XX/year>. I have called to have the remainder of {$180.00} credited back to me on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Nobody will call me back and XXXX XXXX informed me today that a note was placed on my account that all the money has been credited. That is dismissive, negligent, and incorrect on ShellPoints behalf. I have been unsuccessful in having XXXX XXXX call me back on this. Every time I call he is not available per customer service. I need the remainder credited back to my escrow account in the amount of {$180.00}.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX  RESOURCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

CERTEGY is saying I have a negative mark on my check writing history from XXXX  XXXX is showing the check cleared. 

XXXX will not help me deal with CERTEGY. Certegy will not help me deal with XXXX. I cmt write checks and I should be able to. The check cleared and both XXXX and certegy are holding my money hostage. 

Check amount XXXX Check number XXXX Date written XXXX Date cleared my bank XXXX Drivers license number XXXX
Product: Credit reporting or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 

The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. 


I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
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 ) Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX Accts # XXXX and # XXXX, XXXX XXXX XXXXXXXX Acct # 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

This complaint is regarding Paypal. I was a Paypal customer for over a decade with no problems. 

On Thursday, XX/XX/XXXX I received an email stating that my account was permanently " limited '' ( closed ) but no reason was given. When I called the company I was told that I had violated one of the prohibited action provisions in their User Agreement, but none of the three people I spoke with could tell me which one. I reviewed their prohibited actions, and I am certain that I did not violate any. I have offered to prove this several times but was only told that this " type of violation '' was " irreversible. '' However, no one could or would tell me what " type of violation '' this was. 

There was some increased activity on my account just before it was closed : typically I just use Paypal for online purchases or donations. However, I had recently laid out funds for an event for a community group I am part of, and some members were paying me back. I received three payments of {$33.00} each before the account was shut down. I offered to prove all of this to Paypal, and sent them screen caps of the receipt for the event, and emails discussing the reimbursements, and received only a form response which made it seem very likely that no one had even looked at what I had sent them. 

In addition, Paypal has frozen the {$99.00} that had been paid to me, and I received an email that after 180 days they will inform me of how I can obtain the funds ( not that they would release the funds or credit my account, just that they would inform me of how I can obtain them ). 

In doing some research online, it is clear that I am not the only person Paypal has done this to. A quick XXXX searched turned up this discussion on their own community message board that contains many very similar stories : XXXX  : XXXX. Many of these people have lost far more money and endured greater hardship than I have. Fortunately, I do not rely on Paypal for my income. 

I am hoping that you can look into this, and that Paypal can at least be made to have some sort of dispute resolution process, rather than simply kicking people off, accusing them of violating the User Agreement with no proof, and ( most likely ) just keeping their money. Thank you.
Product: Bank account or service

I applied for a Citigold checking account with a promotion for XXXX AAdvantage points if {$1000.00} of debit purchases were completed within 60 days of opening an account and making qualifying bill payments for two consecutive months. I fulfilled the requirements but had not received the points so I made an inquiry. Their investigation tells me that I will not receive the XXXX points because even though they did not provide me a debit card until after XXXX/XXXX/2016, they started the 60 day duration for debit purchases ( which require a debit card ) on XXXX/XXXX/2016. I have included a timeline of events below. 

XXXX/XXXX/2016 - Application submitted Late XXXX - I received a packet saying that I needed to sign and complete an enclosed signature card, IRS Form XXXX, and also fund my account before it could be activated XXXX/XXXX/2016 - I mail a {$4000.00} check deposit, signed card, and XXXX to Citibank XXXX/XXXX/2016 - I receive an email stating my account is not activated and I have a few more steps. I call and confirm that I have completed the steps and I 'm waiting on my account # and card XXXX/XXXX/2016 - I notice that my check has cleared my XXXX XXXX account, but I still have not received a card or account number XX/XX/XXXX/XX/XX/XXXX - I receive my debit card XXXX/XXXX/2016 - I start making debit purchases XXXX/XXXX/2016 - I make a bill payment to Bloomingdales XXXX/XXXX/2016 - I fulfill the requirement of making & gt ; {$1000.00} in debit purchases XXXX/XXXX/2016 - I make my second Bloomingdales bill payment XXXX/XXXX/2016 - I make an inquiry and Citibank opens an investigation. 
XXXX/XXXX/2016 - I follow up and I 'm told that they are overwhelmed with similar inquiries to mine and I need to be patient. 
XXXX/XXXX/2016 - I follow up and give them information that I proves that I am a targeted member of the promotion and fulfilled the requirements. 
XXXX/XXXX/2016 - Citi responds saying they see I 'm part of the promotion but they opened my account on XXXX/XXXX/2016 and I did n't complete the debit purchases until XXXX/XXXX/2016. 
XXXX/XXXX/2016 - I respond saying this can not be true because I could n't possibly make debit purchases without a debit card and I submitted a check to activate the account on XXXX/XXXX/2016 which they did not deposit until XXXX/XXXX/2016 XXXX/XXXX/2016 - Citi responds saying they 've added the notes to the investigation, but it may not get an exception. 
XXXX/XXXX/2016 - I respond saying it is not an exception, it 's a system error. 
XXXX/XXXX/2016 - Citi responds saying the investigation is closed, they list the promotion requirements, and state that I did n't make debit purchases within " stated timeframe ''.