23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The current servicer of my mortgage loan ditect finicial has refused to provide the mortgage servicers number and office or person of contact in the state of hawaii in accordiance with hawaii state law for mortgage servicing companies. Has failed to address issues with mortgage documents. XXXX different sets provided by them to me XXXX with a stamp of XXXX XXXX without. Have failed to provide orginial ink signed documents that would show that the XXXX page arm note isnt forged. They where and have been rude on the phone threatened to hang up. Said that my credit will be damaged and they intend to do so. They have failed to address any concerns I have as borrower. They continue to send bills even though it is in foreclosuer and no acceleration letter was sent in the first place. They have failed to provided me contact information of the lender to this loan. They have failed to provided if there is even a lender. That they should contact XXXX and address that a trustee foreclosing on the property is not proper as a trustee is not a lender and cant provided or attempt an alternative remmeedy to foreclosurer. Have failed to discuss by phone or in person what alternative solutions there moght be and what those entale as to credit score, pay back, pentalties, ect. That sending paper work to fill out after XXXX doing the same. That they have the ability if the loan is paid off to give me free and clear title not just someone saying that o yeah we can but actuall proof. They never have provided notice of interest rate increase and reason or proof to why it has increased but they have just raised it. Continued slander and deffermation to my character, credit score and worthiness, and abolity to aquire normall living standards due to the impact of this forecloser and credit reporting of deliquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my rights red handed and LIED shamelessly to the CFPB on a previous closed case in which they gave an answer they did not honor. This is a violation of my rights with civil fund penalties now needed per violation. I must be compensated for this by law sec 1681 and others state this black and white. this is also perjury. 

I will be showing this to the appropriate offices until compensation and accurate deletion is finished. I will not stop so keep closing these and I will escalate higher each time. 

Ive attached the closed response XX/XX/22 stating items were deleted and they lied only to avoid a open CFPB complaint they must response to. The credit report from today XX/XX/22 clearly shows they did not do it as stated and by law. 

ONY COMPENSATION PLUS DELETION WILL SUFFICE AT THIS TIME! 

XXXX old case showing violations XXXX THIS IS A NEW CASE AS WELL TO FIX SAME ISSUES.
Product: Credit card or prepaid card

Hello, I would like to sue Capitol One Financial. Rented a car from XXXX using the Mastercard platinum car rental coverage. This was in XXXX of XXXX. Ran over a dead dog carcass and sustained XXXX dollars damage. When I tried to file a claim they said that the car rental coverage had been discontinued. I said that I did not get notified. After numerous calls and inquiries I was told that the coverage had been discontinued as of XX/XX/XXXX on the XXXX page of the online statement. I said, " are you kidding me. ". The spokesman from Mastercard read from I guess a memo saying that Capitol One should notify cardmembers by letter, email, or online statement. This is outrageous. I have been stewing over this for a year. They refuse to reimburse. I don't know what the legal angle would be on this case, lack of due process, lack of proper notice, negligence, ethics. I don't know but I want to sue them. I am XXXX XXXX XXXX with a XXXX XXXX so I could not handle small claims. Let me know if you can help or maybe refer to someone who can. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with Equifax for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened.

1 ) XXXX XXXX  original creditor XXXX XXXX 2 ) XXXX XXXX original creditor XXXX XXXX 3 ) XXXX XXXX original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. the accounts are misleading and needed verification immediately. Please check the payment history, date open, last activity, and Status of the accounts ' XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} and XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} I believe it was reported erroneously.
Product: Debt collection

The original creditor was XXXX XXXX XXXX There was a theft of monies that were paid to the XXXX XXXX XXXX The money was submitted by a federally funded source that assists low-income individuals with their rent payment. The check was correctly sent to XXXX XXXX and the check was later discovered to have been posted to an undisclosed " personal '' account. I spoke with the banking institution who advised that the leasing company was the only party who could investigate the theft if they chose. When I reported the theft of payment to XXXX XXXX, they stated that they would not look into it and they would evict me if I did not pay them again. They refused to investigate the theft of the money when I presented evidence during court proceedings. XXXX XXXX XXXX then decided to dismiss their claim against me. All costs & fees were to be paid by the XXXX " XXXX XXXX XXXX XXXX 
Following the court proceeding XXXX XXXX XXXX  issued me an invoice that was double the amount of what they stated I owed in court and demanded that if I did not pay in XXXX months that the account would be given to a collection agency and they would damage my credit rating. 
I.Q. Data International has taken over ownership of the account in question and have been damaging my credit for several months. The company is even added interest to the account on frequent basis. 
The cost associated with this issue have been dismissed through the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Crown Asset Management bought my XXXX XXXX/XXXX  account in XX/XX/XXXXafter XXXX  wrote it off because I am on XXXX  and could not pay it. Now my husband is retired due to health issues as of XX/XX/XXXX. We are both on fixed income.

Through the remainder of that year and all of XX/XX/XXXX I never heard from them at all. Nothing!!! Now I have been served with a paper to go to court in XX/XX/XXXX over this. Im barley physically able to take a shower and do grocery shopping. We have nothing of value to lien, live in public housing, and I have a 20 year old car.
Product: Debt collection

I agreed with the property manager XXXX XXXX to not receive collections on my credit report as long as I made monthly payments on my early lease termination fee I immediately made monthly payments on time and upon making my third payment the manager XXXX XXXX left the property and XXXX XXXX who has been processing my payments at the apartment stated my agreement with XXXX XXXX is no longer valid and I need to contact Pro Collect. I never got my monthly payments credited. Pro Collect stated they had been trying to get in contact with me and if I do not make the full balance payment by Friday XX/XX/2023 they will report my balance to the credit bureaus to make sure I never rent a place to live again. Pro Collect refused to accepts payments.
Product: Mortgage

Failure to remove Private Mortgage Insurance despite Auto-termination date. 
I have a great deal of communication from Nationstar that my Private Mortgage Insurance would auto-terminate- various dates have been provided and they continue to dispute and indicate my home has not reached the 78 % loan to value- they provided the dates for which that would happen. They repeatedly say I must get an appraisal through a Nationstar appointed appraiser and go through the motions of the " borrower request to remove PMI. '' I am only requesting it be removed per the auto-termination dates I have been provided- I will not pay for an appraisal for something that should have been removed from my account per their paperwork and the loan documents.. 

I have been dealing with this issue for over a year- and I receive different answers with each call. I spoke with 7 representatives & supervisors on XXXX continually getting the run around and being told " this is not the right department to handle your request. '' I was transferred over and over again. 2 hours on the phone on XXXX/XXXX/XXXX with no resolution- meaning I had to pay the full amount due by XXXX/XXXX/XXXX to avoid late fees and penalties. 

Consumer 's Desired Resolution : I want the PMI removed from the account per the effective date in writing of XXXX XXXX, XXXX ( preferably to the XXXX XXXX, XXXX date that is shown on the original loan documents of XXXX and as stated in various conversations with Nationstar, most recently on XXXX/XXXX/XXXX with an Escrow representative ). I request a refund of the PMI amount paid in past the auto-termination dates. A loan modification was completed in XXXX, however the documents do not contain anew PMI disclosure. 
This matter has been sent to the XXXX and after three months of back and forth the case has been closed with no resolution. The XXXX has provided the following response as of XXXX XXXX, XXXX : " Business Name : Nationstar Mortgage LLC You have indicated from your Customer Response that you were not satisfied with the Company Answer in your complaint case. Because of this, we have conducted a case review which includes all of the available documentation contained within the Original Complaint, the Company Answer and the Customer Response. 
Based on this review, we have determined that the company did not do all that it could have been reasonably been expected or been responsible to do to resolve the issue. This case is being closed and will be reflected in our files as Unresolved. '' Assistance would be greatly appreciated as I do not understand why I am subject to an appraisal that must be conducted by a Nationstar appointed appraiser if I am well beyond the auto-termination date reflected in the loan documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.
Product: Credit reporting or other personal consumer reports

My account was closed by time XXXX of XXXX  after I complain to them that they gave my XXXX my information on my trim account and he took over my time account with the money in it and they automatically close my account and wouldn't let me back in it and he got my money and they locked me out of my account. My Experian credit report shows paid in full as of XX/XX/year> yet since XXXX Chime has been pulling my credit every month and sometimes XXXX and 4 times every month to date without my permission. I have called them I have wrote them a letter and still they're pulling it they do not have my permission they do not have any reason I have not tried to get a Time account I've not tried to get any credit cards I'm not trying to get any loans they are pulling my credit report and getting my personal information without my knowledge without my permission experience does not have my permission to let them pull my credit report my credit report should have been locked. 
This needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

After going through my updated Credit Report, which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that my Credit File still reported the fraudulent items and information on my Credit File. The disputed items remained on my Credit Report, and yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent items the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA Section 605b, any and all fraudulent items must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these items for 4 months already, and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand the Credit Reporting Agencies to remove the disputed items from my Credit File as soon as possible : 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 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 XXXXXX/XX/2023. Not only did the Credit Bureaus not send me a copy of my updated Credit Report, they have not sent any documents supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.
Product: Credit reporting

This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate it if this company could provide the information that they used to verify me as the owner of this account or delete this negative account from all XXXX credit bureaus asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX XXXX XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries 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 XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$24000.00} XXXX  XXXX XXXX Owed : {$4700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXXXXXX XXXX Balance Owed : {$130.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} Equifax Employer : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed XXXX {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCHRONY XXXX  XXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Consumer Loan

Ally bank and XXXX XXXX overcharged me on my interest rate because of me being XXXX and having a decent credit score and made me to believe that was the only interest rate that was available to me.
Product: Debt collection

They have called multiple in-laws, grandparents and estranged cousins today threatening legal action against me if they do not get me to respond within an hour to 30 minutes, today. 

Each family member has been told that they have been attempting to reach me. They 've been told I 've ignored their calls today. My cell phone and work phone have been silent. Furthermore, I have never received paper notification from this company that I owe debt to them or any of their affiliates. 

All of the people called are not people I have never used as credit reference, nor live in the same State as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on   X/X/2017     and never received an update. It 's well over the 30 days they have to respond.The status still shows pending. The confirmation number for the dispute is  XXXX .
Product: Credit card or prepaid card

We were gifted a XXXX gift card in the amount of {$500.00}. It was purchased from our neighborhood grocery store, XXXX, in XXXX, AZ. We found that a fraudulent charge had been made before we could use it on XX/XX/XXXX in the exact amount of {$500.00}. The card never left our possession and did not appear to be tampered with. We called the number on the back of the card that evening. We were given a list of documents to fax including the front and back of card, the original purchase receipt ( luckily the gifter still had this ), and my drivers license. I have called numerous times and been asked to resend these documents repeatedly. I have faxed and mailed hard copies a total of 4 times with no progress. It is very hard to communicate with the customer service reps and they will not transfer me to any other departments. They only repeat the same list of documents again and tell me to resend. I am losing hope that we will see this money.
Product: Credit reporting or other personal consumer reports

Transunion incorrectly reporting information that should have been removed several months ago. I intaially filed a compliant here with cfpb after many disputes and several years with no results. Cfpb immediately got a response including a letter from upper management explaining that they would stop reporting now that they had sold to collections. The company is XXXX XXXX XXXX XXXX. I'm not sure why months after this letter they still have lived up to their word. But I'm angry with Transunion now because their dispute process it automated completely. Not even flagging a human in situations like mine. So they investigated?,!! How dare they?? They send auto request to XXXX, who tells the automated system no this is correct. And they close the dispute and didn't even notify me!!! HELLO!!! TRANSUNION!!! GET THIS OFF MY REPORT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptence agreed to remove this account off my report once so settled it the them. They have not kept their word as it remains on my report. I have called and still no answer or call back.
Product: Credit reporting or other personal consumer reports

An Unauthorized Inquiry was reported to my XXXX Consumer Report on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via XXXX XXXX Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. 

*XXXX XXXXXXXX Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Product: Credit card or prepaid card

I had used my credit card ( barclay 's ) to purchase flight tickets for my parents to travel from XXXX to XXXX XXXX. After making a purchase, I had paid all my dues via bank transfer. 

Due to covid restriction the flight company XXXX XXXX XXXX ) refused to provide service. XXXX XXXX had no option but to cancel flights. XXXX XXXX  mentioned that because the flights are being canceled, the payment will be refunded. 

I did see that XXXX XXXX  had refunded. 

But now Barclay is refusing to pay me back. The customer representative over the phone states that XXXX XXXX has charged me back. At this point of time the customer representative with Barclay are trying to create a fraud. They have asked me to send a fax of XXXX XXXX XXXX emails. I have sent the fax as a proof that it was XXXX XXXX who canceled the flights. 

The second pictured attached here is proof of email that my father recieved because XXXX XXXX had canceled my parent 's flights. And first attachment is about cancelation confirmation. 

I seek assistance from your department. 

Thank you. 
XXXX.