23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

LENDMARK FINANCIAL GAVE ME A LOAN, THEN SEVERAL TIMES SAID THEY WERE DEFERRING MY PAYMENT FOR 1 OR 2 MONTHS, THAT NO PAYMENT WAS DUE AT THE TIME, THEN TURNED AROUND AND CHARGED ME LATE FEES AND EVEN REPORTED ME LATE TO THE CREDIT BUREAUS! HOW CAN A DEFERRED PAYMENT BE LATE? WHY WAS MY ACCOUNT CONTINUED TO REPORT NEGATIVE WHEN I WAS DISPUTING THE LATE CHARGES ( SINCE XX/XX/2021 )?!! WHY WAS MY PAYMENTS REPORTED LATE WHEN NO PAYMENT WAS DUE?

LENDMARK WILL CALL ME FROM MANY DIFFERENT PHONE NUMBERS AND AREA CODES, EVEN A TENNESSEE NUMBER, AND I KEPT TELLING THEM THAT THE LATE FEES NEEDED TO BE TAKEN OFF SO I COULD MAKE THE PAYMENT. THEY NEVER REMOVED THEM. THEY NEVER EVEN REPORTED MY DISPUTE WITH THE CREDIT BUREAUS, SO IN XXXX, I STARTED DISPUTING MYSELF. THE ACCOUNT WAS NEVER VALIDATED, AND NOTHING WAS FIXED. THESE ARE JUST A BUNCH OF SCAMMERS TAKING PEOPLE 'S MONEY. I PAID ON THAT FOR ALMOST 18 MONTHS AND NOW THEY SAY I OWE MORE THAN I STARTED WITH, WHICH WAS {$5000.00}.
Product: Credit reporting or other personal consumer reports

I opened several disputes due to inaccurate reporting on my credit report with the creditor XXXX XXXX XXXX XXXX XXXX XXXX as well as Experian, XXXX, XXXX. 

They never completed an investigation nor did the provide verification that the payment was late. 

I submitted bank statements and photocopies of the check that I paid them which was cashed well before the statement even closed in XXXX XXXX XXXX, and was in excess of the entire statement balance. The check was cashed a few days after I sent it, but was not applied to my account for months. 

I sent the credit beuaurs letters via certified mail and included a copy of the bank statement, check, my drivers licenses and a health insurance bill showing proof of address. 

To that, the credit agencys sent back a letter stating that they would not open a dispute because they beliebe this was sent from someone other than me. 

I again sent it and they never replied, therefore under FCRA this item needs to be removed from my credit report as I was never late XXXX or XXXX days. The bank lost the check and took months to properly apply it to my account. 

Additionally, even at the time the check was found and applied to my account, it would not have been XXXX days late. 

Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$630.00} ; XXXX XX/XX/.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal ly protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : number # : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 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 ) States a person shall not furnish any information relating to a consumer to any reporting agency if the per son knows or has resonable cause to believe that the information is inccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, FIRST XXXX BANK # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am a victim of identity theft and once again I am requesting a copy of my consumer file from your company so that I am able to see any and all accounts that have been opened or and information that has been entered without my knowledge and consent. 

Please see the proof of my identity provided.
Product: Credit reporting or other personal consumer reports

My recent XXXX credit report shows soft inquires. It clearly shows that CNAC pulled my soft credit as states : CNAC XXXX XX/XX/year>, XX/XX/year> I never gave CNAC permission to pull my credit file, I had no open account within 18 month, and I had not applied for credit or was inquiring about another purchase from CNAC. 

This is a violation of FCRA. Violation of privacy acts. And I would like to know why this was pulled. 

There is no other credit inquires on or around these two dates which would commonly occur if I was shopping, inquiring, or requesting information from CNAC. 

CNAC moto is " Used car loans and financing for good, fair, and bad credit. '' So why would CNAC pull a inquiry for credit for XXXX????
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Disputing errors on credit report To whom it may concern : I am writing to request a correction of the following information that appears on my credit report as of today XX/XX/. This information is fraudulent, and I did not make nor authorize for my credit to be assessed. I am the victim of identity theft and do not recognize these accounts. I am requesting that my report be updated immediately to reflect removal of the following accounts and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a fraudulent account to Experian, XXXX, and XXXX. 
Which is a violation of the FCRA
Product: Debt collection

Hello I checked my credit report and saw this particular debt collection agency reporting negative debt and realized I never received initial correspondence to be able to file a dispute. When I was able to speak with them on the phone they said they did not have to verify anything.
Product: Credit reporting or other personal consumer reports

My submission is to urgently request your assistance regarding a 30 day late reporting credit entry that has recently appeared on my credit report by Chase Auto LoanXXXX. This matter is of critical importance, as it has the potential to disrupt the business credit lines I rely on to rebuild and recover from the devastating fires in XXXX XXXX. 
In XXXX, as the fires were ravaging the XXXX XXXX area, where I live and work, I reached out to a Chase representative via phone and written correspondence to explain the fire situation happening in XXXX XXXX and the evacuation notices : both my home and business were significantly impacted by the recent fires. At that time, I was assured that my account would not be reported as late due to the disaster, and I was granted additional time to manage my payments. Following this communication, I did not receive any further calls or notifications from Chase regarding my account status or any potential delinquency so I would not have suspected my account to be heading into delinquency. It was recently discovered that Chase 's internal system did not match the phone number that reflected under my profile information which explained the issue with no phone calls. On XX/XX/year>, I received a credit monitoring alert notifying me of a XXXX point drop in my XXXX XXXX. I immediately submitted full payment for all amounts due through XX/XX/year> and frantically made calls to Chase to find out how this happened. Despite the daily efforts regarding this urgent matter, the late reporting remains on my credit report, which could severely jeopardize my ability to access the credit necessary to restore my business operations and continue my recovery efforts after the LA fires. 
I kindly and urgently request your assistance in having this late reporting removed from my credit report as soon as possible. Your prompt attention to this matter is crucial, as it directly impacts my ability to rebuild my business and move forward from this challenging period. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2024 I WENT TO XXXX XXXX XXXX TO LOOK FOR A CAR. AS I SAT WITH A REPERSENTATIVE TO DISCUSS A VEHICLE. I WAS TOLD HE WOULD TALK TO HIS LOAN OFFICER AS I DID NOT PURCHASE A VEHICLE FROM XXXX XXXX, I WAS NOT TOLD THAT HE WOULD RUN MY CREDIT WITH MULITIPLE LENDERS, I NEVER GAVE WRITTEN CONSENT FOR XXXXXXXX XXXX TO RUN MY CREDIT REPORT AND I SENT OUT LETTERS TO EVERY LENDER DISPUTING THESE ACCUSATIONS AND THEY ALL KEEP TELLING ME, THEY WENT THRU A THIRD PARTY. I ASKED XXXX  TO SHOW THAT I GAVE THEM APPROVAL TO SEND MY INFORMATION TO THESE LENDERS WITH A COPY OF MY DRIVERS LICENSE AND SIGNATURE. I WAS ALSO TOLD THAT AFTER SPEAKING WITH XXXX XXXX THAT BECAUSE I DID NOT PURCHASE A VEHICLE THAT MY INFORMATION IS NO LONGER AVAILABLE TO THEM AFTER 20 DAYS I CALLED AND WROTE TO XXXX XXXX, CAPITAL ONE NA XXXX XXXX XXXX. I HAVE DOCUMENTATION FROM XXXXXXXX XXXX XXXX CAPITAL ONEXXXX  I ALSO SENT A COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY CARD PROVING I NEVER GAVE PERMISSION FOR ANY 3RD PARTY TO RUN MY CREDIT REPORT.
Product: Consumer Loan

Amounts paid on account were not properly posted to account to allow for the interest to be applied to the correct balance. Therefore I was overcharged interest.
Product: Mortgage

Ocwen is telling Homeowners the wrong fax number to submit the RMA, both verbally and on the packet. Loss Mit number found on HAMP site differs. 
Fax number given verbally and on documents ; XXXX
Product: Mortgage

XXXX XX/XX/2022, I agreed to a COVID-19 payment deferral agreement with XXXX. 
XXXX XX/XX/2022, XXXX wrote a letter saying my new monthly payment will be increasing by over {$1000.00} to {$4400.00} to make up for an escrow shortage. 
XXXX is requiring me to make up the escrow shortage over a 12 month period. 
If the shortage was spread over 60 months rather than 12 months, my payment should go up by only about {$200.00} rather than by over {$1000.00}. 
XXXX XXXX  requires that escrow shortages as a result of a COVID-19 payment deferral agreement must have the shortage spread over 60 months ( and not 12 ).
Product: Checking or savings account

On XX/XX/21 at approximately XXXX, my chime card which I get direct deposit on was turned off ( transactions ). I had just gotten off work usually the money is transferred to my main bank account. Due to getting stuck over at work I hadn't transferred it yet. I needed gas so i stopped at the gas station to get gas, I turned on my card and got the gas as I was pulling off from the gas station my account wouldn't let me log in. Then I received a message saying that my account password was changed. Approximately one min later when I was finally able to change my password and access my account all my money was was taken out of my account except {$33.00} dollars. A in house transfer " pay to friend '' had happen and someone hacked into my account and transferred 2 transfers from my account to theirs. One in the amount of {$1500.00} and one in the amount of {$69.00} to a XXXX XXXX Since it was so late I couldn't contact the bank but i went into the app and made a dispute on these two transactions and the next morning I called when they opened and spoke to a XXXX XXXX and filed my claim again. She sent me a form to fill out stating the charges. I sent it back to her in an email. She stated she received it and it would be 10 business days if I could receive a credit. I called back and spoke to a XXXX XXXX and he said that I would receive the money within 24 hours. 24 hour laters no money was in my account. Due to the XXXX being a holiday I called and no information could be given to me about my claim. I explained I was out of my whole check and I couldn't wait I had bills due. He said it was a high priority case and they are expediting the process. Yesterday I talked to a XXXX XXXX and she stated they would be in on Friday XXXXAfter I call in and talk to an XXXX who wouldn't give me his last name " its against policy '' and says the credit would be available XXXX if I was able to get it. NOBODY THERE KNOWS WHAT THEY ARE TALKING ABOUT AND HAVE GIVEN ME SO MANY DIFFERENT ANSWERS! I explained its my whole paycheck and I don't have money this is my only source of income. Someone please help!
Product: Mortgage

Complaint with Bayview loan servicing.LLC P.O.Box XXXX XXXX Mi, XXXX Company is located in Florida. Many many complaints, just look y=up. 

Please read this, this company Bayview loan servicing LLD, is in name only, they dp nothing but shuffle account around, no maintence, refusing payments. MAny homes are being foreclosed on. This company is a collection agency and A Mortgage CO. 

My issue is small I just need them to do an escrow analysis again, taxes are lower, refuses and payment went up {$200.00} I can not afford. Can not reach Anyone. I have faxed to them taxes still nothing. SOMEONE NEEDS TO STEP IN AND SHUT THEM DOWN. NOW MY ACCOUNT IS WITH AN ATTORNEY FOR FORECLOSURE. 
PEOPLE ARE LOSING THEIR HOMES. AND IT IS NOT CUSTOMERS FAULT. IF THIS COMPANY CONTINUES, THERE WILL MANY HOMELESS AND A CLASS ACTION. 
THIS COMPANY BOUGHT MORTGAGES FROM MANY GOOD BANKS, SO ALL THESE MORTGAGE LOANS ARE NOW CONSIDERED A COLLECTION ACCOUNT. 
AND SO MANY COMPLAINT ... XXXXi AM CALLING FLORIDA XXXX XXXX THIS IS AWFUL. i WORKED AT A BANK IN MORTGAGES AND CAN EASILY SEE THIS HAS TO STOP!!!! THIS IS A HUGE SCAM AND IT IS WITH PEOPLES HOMES!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Mortgage

I started my forbearance with Freedom Mortgage in XXXX after completing the program for a year I submitted a new package in the lost mitigation that's where everything goes south I had to constantly resubmit papers time after time.Once freedom Mortgage deemed the loss mitigation packet completed they only offered forbearance again for mortgage reduction trial period. I paid XXXX from XX/XX/2023 thru XX/XX/2023 a employee from freedom told me i would receive new terms by mail via XXXX, XX/XX/2023 I make another payment of XXXX i call freedom mortgage only to informed that the employee gave me incorrect information i had to submit another loss mitigation packet at the same time the filed foreclosure on my home i was served in my driveway and I constantly get harassing phone calls text and letters this has been a nightmare to say the least I'm a XXXX veteran i served this country with honor and dignity is this the thanks it get they tell lies to try to take your home my credit is destroyed by these people they've put in XXXX in debt with them i afford a pool for therapy that i badly need this is crazy they should be held accountable for their actions.
Product: Debt collection

I purchase my home in XXXX through XXXX and financed by Bank of America. At the time of purchase my home was valued {$180000.00} and the home was purchased for {$150000.00} I was then offered a equity line of credit through Bank of America for {$35000.00} for Home Improvement. Shortly after Home Improvement the home was reappraised by the bank and was value of {$210000.00} 6 months after home improvements the bank send me a letter requesting that I pay back the equity line of {$35000.00} infull payment, because my home is no longer of value and it 's only worth {$75000.00} I immediately contacted the bank and started Communications trying to restructure my mortgage being in shock not knowing what was happening to the real estate market. 

The bank in communication told me that they can not do anything to help me or restructure my mortgage payments because I have not missed a payment and they do n't care what my home is worth they just want their money back. I was then informed by a Bank of America customer service representative that the only way they can help me is for me to miss at least three payments so I stopped paying my mortgage in XXXX and by XXXX second XXXX the bank started filing for foreclosure. 

Shortly after that the Department of Justice ordered that the equity line of credit is to be charged off and I did not have to pay it back. Bank of America mediately report the & gt ; charged off as derogatory & lt ; to the credit bureau and sold the main mortgage to XXXX lending. Bank of America also reported a & gt ; foreclosure initiation & lt ; to the credit bureau. 

I sold the above mentioned home in XXXX on a short sale and XXXX receive the {$35000.00} of what the home was valued after depreciation at the time and was sold for. XXXX then reported the sale of the home and final payment & gt ; in full pay less than {$150000.00} what is owed & lt ; on my credit, and a report of. & gt ; balance charged off & lt ; it was send to the IRS, reported as income. The IRS charged off as a loss of mortgage. 


In less than one years after purchasing my home the depreciation started and had dropped in price from {$210000.00} to {$35000.00}. 

My credit is now ruined with no fault of my own and the banks were bailed out by the government and the consumer is left holding bad debt. This is not right! Someone need to do something. 

I am now unable to attain a normal interest rate and also unable to purchase another home because of these derogatory statements on the credit report showing either foreclosure, tax lien, legal action taken, or repossession. How could our government allow this to happen.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act Convergent, Account name 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: Credit reporting or other personal consumer reports

verbiage 75 % F13 The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 



The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/ ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00}
Product: Credit reporting or other personal consumer reports

I tried to cancel my Experian basic free account but there is no way to do so online and in looking up how to cancel it, they say to call them. I tried calling multiple times today ( XX/XX/year> ) and the automated bot asks for your social security number, which I didn't enter because I don't trust them and their online help states that you should have your membership number ready which I have and would happily share with them if asked but they don't. Then automated voice system doesn't have a cancel option and just continues to take me through a loop when answer that I want help with my membership ( which is one of the options they suggest ) and asks me the same question over and over again. I tried to ask for an agent and was told only very specific cases can be passed on to an agent without being told which cases and eventually the automated voice hung up on me. I still do not know how to cancel my account and they continuously send me emails even when all of my notifications are turned off and there is no unsubscribe link in the emails.