23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I locked in a rate with Loan Depot on XXXX/XXXX/XXXX to refinance my mortgage on my property in XXXX, XXXX After 4 months of run around, they informed me that I needed to bring $ XXXX cash to closing so I can close on the new loan! Considering we started with minimal cash to close, they changed their mind 4 times and each time the cash to close went higher. 
It 's worthy to note that the consistent increase was not due to any new information I provided after the initial set of information they received, but after a long period of radio silence, when I was not getting responses to my emails or phone calls and messages, they told me that cash to close was increased because they had just noticed my Home Owner 's Association fee of {$120.00}! And for that they could n't close my loan unless I came in with $ XXXX in cash! Mind you, they had all this information from XXXX XXXX, but just realized it in XXXX XXXX, after they changed their interest rate and cash to close amount 3 other times, consistently going higher every time until it reached an amount that I had no choice but to drop the refinance. 
I was dodged around among XXXX people for the 4 months and each one of them gave me a different reason for their unjustified very very late decision. 

They wo n't even refund my appraisal fee so I can go pursue another refinance since I still need to change my mortgage from an interest only ARM to a 30 year fixed. 

I am totally shocked with the lack of professionalism and ethics of this financial company and the fact that they are out for your money at any cost. I will never do business with them! Hope you wo n't either!
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX repossessed by Santander Consumer USA due to financial hardship and the plandemic. I have no further knowledge of vehicle. The account was charged of, however, upon reviewing my credit report, ( XX/XX/XXXX ) a new charge was reported. I received no correspondence from this company concerning this new charge. This agency is in violation of improper reporting of a debt without meeting its obligations under the CFPB.
Product: Debt collection

My information was compromised on the Equifax Data brief. And I was in XXXX  for over five years and a lot of in accurate that is on my credit report
Product: Credit card or prepaid card

I purchased an item on XXXX that arrived DOA or dead on arrival, it was simply defective, didn't work. I filed a claim through XXXX. But, because of misinformation I was given, I closed the claim thinking I could reopen it on a later date. However, when I contacted XXXX to reinstate my claim, I was informed that the " system '' would not allow it as I had been led to believe by one of their representatives. XXXX apologized and told me that I was still able to proceed with a claim through my bank. As instructed, on XX/XX/2018 I filed a claim ( Num. XXXX ) regarding the mentioned transaction with my bank. However, I found out today that in XXXX, my bank had sent me a letter informing me that my claim had been closed. The bank closed the claim founded on the fact that I had not provided proof that I returned the merchandise. Nonetheless, since the day I filed my claim, I informed the bank that, under the circumstances, and according to strict and completely clear XXXX policy, the seller was obligated to send me a prepaid shipping label if he wanted the merchandised returned. I explained to my bank that it could not interfere with my sales contract. I stressed that I had taken all the possible measures to inform the merchant of his obligation to supply the mentioned label and he chose not to fulfill said obligation. I also stressed to the bank that any interference or changes insisted upon concerning the terms and conditions of the sale, was unlawful. Specifically, I explained to the bank that they are a third party to my transaction and that obligating me to cover the cost of the return shipping and therefore, relieving the seller of his responsibility, constitutes an infringement of the contract which the seller and I voluntarily entered with regards to the sales terms and conditions governing transactions entered through XXXX. In sum, the bank 's pressure to force me to act contrary to my contract is an extra-limitation on their part. They are not a party in this transaction, period. The bank just served to facilitate a payment. Now, under the circumstances described, I am instructing the bank to reverse the payment. As I have said, the bank is unlawfully interfering in my transaction, insisting on adding further terms to the sales contract in order to fulfill their obligation.
Product: Credit reporting or other personal consumer reports

Despite this attempts now to have these inaccuracies corrected, the fraudulent items remain on my report, significantly impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been inaccurately listed on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX XXXX XXXX : {$81.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$590.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I mailed a letter to TransUnion requesting an investigation into a negative mark on my credit report from XXXX XXXX XXXX XXXX XXXX  ( see Exhibit B ). 

In my letter I requested that TransUnion provide evidence that proves the accuracy and completeness of this XXXX mark ( Exhibit B ). 

Here is the excerpt ( see Exhibit B ) : -- -- -- -- -- -- -- " Please provide Payoff disclosure, Interest rate disclosure, Balance history, Payment history, and Credit insurance. 

Im also requesting that you guys send me some kind of proof of this item like a note, contract, or a document from the creditor bearing my signature. 

I read that federal law requires your investigation to be completed within 30 days and Im also requesting a description of the procedure you used to complete the investigation within 15 days following its conclusion. 

Please investigate and make all corrections immediately. I have included a copy of my drivers license and social security card to prove my identity and address. " -- -- -- -- -- -- -- TransUnion 's response did not include any evidence and I still believe this XXXX mark to be incomplete or inaccurate. 

Specifically, I believe the following information is incorrect : 1. Date opened 2. Loan type 3. Balance 4. Payment received 5. Last payment made 6. High balance 7. Original charge-off 8. Credit limit 9. Past due 10. Pay status 11. Date closed 12. Responsibility ( I don't think this is my INDIVIDUAL account ) I think the delinquency status reported in inaccurate too but I can't even address that part until TransUnion shows me where this data is coming from.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 Section 602 A. States I have a 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: Student loan

My X wife attended the XXXX XXXX in XXXX XXXX. When we divorced we made an agreement in the divorce decree that she would pay her loans. It has been several years since the divorce. I am now remarrying and it is very hard to explain to my fiancee why I have a divorce decree stating I am free of paying the student loans, bit it still shows on my credit.
Product: Debt collection

I had a debt with XXXXXXXX XXXX XXXXXXXX over utility usage. 

The debt has been attempted to collect through multiple collection agencies. When I ask for written verification for me to read, I never receive it, even after updating my address. 

Before I can receive these documents, XXXX changes the collection agency, or it is being sold, I am unsure. Leaving me in a chase of trying to verify the debt myself. 

The current agency trying to collect, Eastern Account Systems, has called me at XXXX today, XX/XX/year>. When I called to ask for that written verification, this company had my address wrong, which I have tried to change through the multiple agencies multiple times now. 

I was told I would receive an email with the information, and have yet to receive it. I am still waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I pulled my Experian consumer report and notices collections account that were not permitted to be reported, and which I contested and Experian send me the Disputed Results on XX/XX/21 in which were deleted with the exception of two of the accounts, however, on XX/XX/21 I pulled my consumer report again and all of the collection accounts that were initially disputed were deleted. 
By them deleting the collection accounts they are held civilly liable for the violation in which my reputation, character, and ability to obtain credit have been damaged. 

Attachments Affidavit of truth XX/XX/21 Disputed results XX/XX/21 Updated credit report with the deleted collection accounts XX/XX/21 Invoice sent XX/XX/21 XXXX recepit stamped XX/XX/21
Product: Credit card or prepaid card

XX/XX/2021 through XX/XX/2021 there were fraudulent unauthorized charges on my Golden 1 credit card. I took action by disputing the charges and filing a police report. The companies fraud department changed their story multiple times and unfairly denied my claims taking zero action. Although the Golden 1 website states members have zero liability with unauthorized fraudulent charges. They have now canceled my account due to my multiple attempts to dispute these unfair and unjust denials.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern and dissatisfaction regarding the unauthorized sharing of my non-public personal information ( NPPI ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), despite my explicit decision to opt out of such disclosures. 

On XX/XX/year>, I submitted an opt-out request to XXXX as per my rights under the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) Requires financial institutions to protect consumers personal information and provide opt-out options for data sharing with third parties. 
XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ) Governs how consumer credit information is shared and used, including requirements for consent and opt-out provisions.

3. Federal Trade Commission Act ( FTC Act ) ( 15 U.S.C. 45 ) Prohibits unfair or deceptive practices, including unauthorized sharing of personal data. I requested that my personal information not be shared with third parties. Despite this clear directive, I have become aware that my information has been disclosed without my consent, in direct violation of my opt-out request. 

This unauthorized disclosure is a serious breach of my privacy rights and may also constitute non-compliance with applicable federal and state privacy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX requesting to receive a termination letter/ release letter of all levys removed immediately. 
Especially the XXXX from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This Abstract issued date XXXX XXXX. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing XXXX XXXX Firm. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form XXXX I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in LA. 
I live in XXXX XXXX XXXX. 
In Learning about this false XXXX from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA. 

I supposedly have this against me because I owe XXXX XXXX XXXX  & thats not true I have paper work from XXXX XXXX Bank saying I DONT owe them any money.
Product: Credit reporting or other personal consumer reports

I feel Experian, XXXX and XXXX illegally obtained my public records without my authorization and illegally purchased a XXXX XXXX XXXX bearing my name and all the adversed accounts included in that XXXX XXXX from XXXX. I have consistently asked for them to delete all the unauthorized and unsubstantiated items from my credit report because those items aren't on my XXXX database. I have proof stating that Experian and XXXX get public records from XXXX. Which therefore holds XXXX and Experian XXXX responsible for illegally selling/buying public records bearing my name and for deletion of all adversed accounts that were listed in the XXXX XXXX XXXX  from all XXXX of my credit reports. All by the LAW Must be Deleted from my credit 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 I've attached the updated evidence that clearly specify how Experian XXXX obtains my public records. However recently that put that they retrieved them from XXXX Kentucky bankruptcy Clerk but that has been disproven. 

ATTACHMENTS
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAXXXX XXXX XXXX XXXX, 2015 Navient XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request to lower my monthly payment for Acct # XXXX RE : Graduated Repayment Plan Dear Navient : I am writing to appeal the decision of denial for graduated repayments. 
You send me option for graduated payment plans and deny the plan the same day from the correspondence that was sent to me! How can I possibly pay you {$1200.00} dollars per month, and I do n't even make that amount! 
I have asked several times to work with me! I am willing to start repaying my loan, but I can not realistically pay you back an amount that I do n't make!! 
Please send my letter to a higher management personnel. I am truly trying to work with you, but asking for unreasonable payments when I clearly do n't even make that amount a month is asking too much! 

This is a copy of my original letter!!!!!!!!!! 

I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. 
Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. My total income at this time is only XXXX. I ca n't possibly afford a payment of {$1300.00} to Navient and pay my other living expenses to take care of my family. This payment is XXXX % of my total salary!!! I have enclosed copies of my check stubs to verify my income. 
Please help me lower my payments that I can afford and pay my mortgage and other bills.If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my employer or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter.If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. 
If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : Explanation and alternatives to helping repay private loans. 
In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. 
I hope we will be able to agree upon an acceptable repayment plan. 
Thank you for your cooperation. You may contact me at my available email or phone information. 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit card or prepaid card

Received a Chime debit card in the mail - never applied for it never gave them my information but received it in the mail. I contacted Chime and had the account closed but am concerned that the account could be opened without my knowledge or without my applying for it. I believe it is a scam.
Product: Student loan

Aidvantage is showing that a parent PLUS loan was taken out for a specified university and distributed on XX/XX/2015, however, a parent PLUS loan was never executed for said university. This information that Aidvantage is providing is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was flooded last year in the disaster that happened here in XXXX. I was told to bring vehicle to car shop. I did and the car was declared a total loss. I have contacted XXXX XXXX many times to tell them the vehicle is not drivable and theres nothing I can do about it. I have even sent them documentation of a report from the auto shop to prove its totaled. No one has came to get vehicle and they are still reporting negative on my report.
Product: Credit reporting or other personal consumer reports

All inquired about the report are in violation!!!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!