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

I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, XXXX, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. XXXX then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!
Product: Checking or savings account

Funds in the amount on XXXX taken out of my account fraudulent. Been over 180 days of investigation and the bank still saying they have not found cause to refund the money that was taken back in XXXX. Sent records of screen shots of purchases that were made without authorization
Product: Credit reporting or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. Please remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I don't recall having a contractual relationship with this collection company XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My husband and I applied for a refinance loan with XXXX XXXX from Good Mortgage. He required us to pay out of pocket about {$850.00} to have our home appraised. Good Mortgage selected the appraiser, XXXX XXXX. In his appraisal, he made several factual errors, and his valuation of {$500000.00} is at least {$50000.00} lower than comparable market values we received. As a result of the low valuation, our refinance application was declined. Both my husband and I have excellent credit, have been steadily employed and our debt-to-loan ratio is acceptable. The valuation is the only element of our application that prevented us from refinancing our home. We sent a response to Good Mortgage, pointing our the errors in the appraisal and other issues that we had with the appraiser 's valuation. [ Please note that I also recently noticed that the appraiser excluded the XXXX and XXXX of the XXXX bathrooms in his appraisal. These inaccuracies should also be addressed in a corrected appraisal. ] The loan officer responded that the 'appraiser will not budge. ' We requested to see the response that he had received from the appraiser, but the loan officer refused to provide it to us. We feel that the appraisal should have been reassigned if the appraiser refused to correct the inaccuracies. The ordeal has cost us both time and money, and we may not be able to keep this property as a result.
Product: Money transfer, virtual currency, or money service

Made numerous cash transfers to XXXX during the last XXXX years. Transactions were confusing and information misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XX/XX/XXXXXXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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 : 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: Debt collection

I got a letter from my company stating that they got an order of garnishment from Portfolio Recovery Associates , LLC. for the amount of XXXX. This is the first I have ever heard of such debt. I have never received any mail or email about this debt from the above company or any court notifications ( I assume they would have to send me legal notifications about this garnishment attempt before it went through? ). 

I check my credit report regularly and have average credit. I have never seen this debt on my credit report so am rather confused on what it is for. Especially because I received no notice that this was even a thing, so no way to even challenge it. 

I feel powerless as I have no legal recourse here as they are going to garnish my wages. I don't even have details on how much or how long they will garnish, nor an opportunity to defend myself. 

Please help.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX, i am writing this complaint because there were two recent hard inquiries reported to my credit profile that i DID NOT approve of or authorize. I believe my ssn were used for this attempt but i have no participation in them. I have called the two credit bureaus linked to the inquiries and they refuse to help me. They are not respecting my request to remove these inquiries. I did not consent to them. PLEASE help as my credit image is affecting by these. XXXX and Experian are no help at the moment.
Product: Credit reporting or other personal consumer reports

I saw these unauthorized inquiries from my credit report and I am stressed by it because someone made these inquiries without my consent. Please be aware that I've sent documents for those unauthorized inquiries to be removed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint in regards to the information you have furnished on my consumer report as of XX/XX/year>. You responded on XX/XX/year> to my initial request for an investigation stating that the information had been verified. Thats impossible because I have never entered into a consumer contract with any of these data furnishers. I noticed that you have violated federal law 15 USC 1681a ( 2 ) ( b ). Your negligence has prevented me the right to extend credit and as a result, I have been a victim of discrimination. See attachments for proof. As a consumer reporting agency you are required to evaluate the information you furnish about me before adding the information to my consumer report. Your agency is now put on official notice of these violations, which makes you liable. Furthermore, according to 15 USC 1681 ( a ) ( 2 ) A detailed mechanism must be created to perform an investigation determining the credit worthiness, credit standing, credit capacity, character and my overall reputation.You have directly reported information that has resulted in my defamation of character. The deceptive information you furnished has led to creditors and employers believing that I am in debt, even though you have failed to provide adequate proof. I have documented evidence based on the fact that they are violating 15 USC 1692j ( a ) Your company has caused extreme financial and emotional hardship for me and my family. According to 15 USC 1681 ( o ) you are liable therefore I am granting your company the chance to rectify this matter by doing the following.

The immediate deletion of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a pay off payment of my Citi XXXX XXXX XXXX flex loan of {$1800.00} on XX/XX/2024. That was the amount shown when making the payment online. I received new statement on XX/XX/XXXX showing a remaining principle balance of {$15.00} with interest of {$6.00} totaling {$21.00}. The interest rate was XXXX XXXX I called & requested to file a dispute for the added balance after making payment and higher interest amount than it should be. Citi denied my request on XXXX
Product: Credit card or prepaid card

Chase operates a service called "XXXX XXXX" and sends out monthly updates to members. On XX/XX/2019, I received an update with my name incorrectly spelled. I contacted the bank on XX/XX/2019 and requested that they correct my name. There was no response. On XX/XX/2019, I received another update with the incorrect name. I contacted the bank on XX/XX/XXXX and again requested that they correct my name. There was no response. On XX/XX/2019, I received another update with the incorrect name. I contacted the bank on XX/XX/XXXX and again I requested a correction. On XX/XX/XXXX, I received  a small card in the mail which stated simply "We are sorry for your recent customer service experience". I thought they finally made the change, but no - on XX/XX/2019, I received another incorrect update and on XX/XX/2019, I received another incorrect update. The bank is NOT paying attention to a customer request and this is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was sold to Rushmore Loan Management Services to  be effective XX/XX/18. My account was set up for automatic ACH payments to be made by Rushmore on the 1st of every month. For whatever reason on XX/XX/18, they changed the ACH payment amount, without notifying me, and posted it under XXXX ... ..the dollar amount and the Payee were unknown to me and I stopped payment. Because of all the confusion and their questionable payment methods, that payment was late. From that point on, all payments have been paid by Money Order, as per Rushmore 's instructions. I have been late with a payment but I have NEVER missed a payment! As of the date of this writing, my account is current. They have reported me for missing two payments and that is FALSE. I can account for all of my payments. My account has always had sufficient funds in it to be kept current and in my opinion, Rushmore has mishandled my funds, and has shorted my principal payments by carrying excess funds forward as unapplied funds. They refuse to correct their reporting and acknowledge they are wrong. My Credit Score has dropped from 800+ prior to their reporting down to 600+ with their FALSE reporting. This is  unacceptable.
Product: Student loan

My lender is ed financial. I submitted an application for work loan consolidation and the IDR repayment plan that was put in on back in XXXX and the company has been reviewing it since like XX/XX/XXXX. I have called numerous times and have been you know given the same journal response XXXX times will call you back. They have never called me back the one time I have been able to get a hold of them. Theyve told me that it has been in process by Ed financial since XX/XX/XXXX and that they told me it would be done by XXXX when the new student plans would be done. every time Ive called its just the same general weight response. I can not get any information out. I need to know what I need to do for the student loans and this company has just been a absolute shit show of customer service and how things are managed.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against XXXX regarding the mishandling of a collection account associated with Security Credit Services, Account # XXXX, which has resulted in multiple violations of federal laws governing consumer credit reporting and debt collection practices. 

Failure to Provide Validation ( Violation of FCRA Section 611 ) : Despite my request, XXXX has neglected to provide adequate validation of the collection account in question, as required by the Fair Credit Reporting Act ( FCRA ) Section 611. This provision mandates that credit reporting agencies must conduct a reasonable investigation and provide verification of disputed information within 30 days. XXXX 's failure to fulfill this obligation constitutes a clear violation of my rights as a consumer under the FCRA. 

Duplicate Reporting ( Violation of FCRA Section 623 ) : XXXX has reported the same collection account twice on my credit report, thereby violating the accuracy and integrity standards set forth in the FCRA Section 623. This provision stipulates that consumer reporting agencies must ensure the maximum possible accuracy of the information provided in consumer reports. XXXX 's duplication of the collection account not only misleads creditors and lenders but also harms my creditworthiness and financial standing. 

Unauthorized Reporting ( Violation of FCRA Sections 604 and 607, FDCPA Section 807 ) : XXXX added the collection account to my credit profile without obtaining my express written or verbal permission, nor did they receive information from a court or government agency, as required by the FCRA Sections 604 and 607. Additionally, this action violates the Fair Debt Collection Practices Act ( FDCPA ) Section 807, which prohibits debt collectors from making false or misleading representations in connection with the collection of any debt. XXXX 's unauthorized reporting of the collection account constitutes a blatant violation of these provisions and undermines the integrity of the credit reporting system. 

Willful Noncompliance ( Violation of FCRA Section 616 ) : XXXX 's repeated failure to comply with the FCRA 's requirements, despite being aware of its obligations, may be considered willful noncompliance under FCRA Section 616. This provision allows for civil penalties to be imposed on credit reporting agencies that willfully fail to comply with the FCRA 's provisions, further underscoring the seriousness of XXXX 's actions.
Product: Mortgage

In XXXX I lost my job due to Covid, in result I had applied for a forbearance on my loan. When the forbearance ended I was unable to do any loan modifications or make any payment. After sending documents and getting put in circles I got approved for a streamline loan modification. When the time came to make the payment I was unable to due to my home being in an active foreclosure again. About a month prior to the payment I payed an escrow payment of XXXX to lower my monthly payment from XXXX to XXXX. I asked the lady when the escrow payment was payed if I need to do anything and she told me I do not. I was informed the reason I was denied when I went to make my payment was due to a hardship letter. My wife and I then applied for a loan modification again, this loan was dragged on and on which then was eventually closed. I sent multiple copies of multiple documents via fax that are never received. While in the process to then apply for the loan again I was told the reason I originally was denied was not a hardship letter was actually an offer letter than I never signed and returned. ( which I never received ) What I did receive was a bill for XXXX dollars due on that day. After a month of calling I finally come to find out that I am denied for the loan modification. This loan modification that I was denied and now have to sell my home and move was approved multiple times in the past.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/year> ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX / {$4200.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$4400.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX
Product: Mortgage

my mortgage company merged with a company called XXXX XXXX in XXXX of XXXX the first month of the merge my mortgage never was taken out of my bank. so on the XXXX th of the month to not incur late charges i called in and they said my payment was never recieved. so i then took the time to pay it over the phone on the XXXX. i do online banking checked my acct to see if payment came out on the XXXX, only to find out my original check was deposited for XXXX dollars stamped on the back was the date of XXXX. XXXX so they clearly had my check the full time and also took the payment over the phone and took XXXX out again totaling XXXX on the XXXX i was told the XXXX would be crediteded back to my account by a XXXX, i watched my acct till today the XXXX called in again and was told by a XXXX that it was not done and he could do it. he did not do it either so my next call requseted a XXXX her name is XXXX and she proceeeds to tell me she can not issue a refund, and that they would need me to contact my bank for a conference call to see if my funds cleared for all amounts. at this time i am extremly frustrated and i know for a fact that this should never have happened. i have heard of banking practices where they do not deposit your check until after the due date and i am pretty sure this is what XXXX XXXX is doing and it sickens me. i work very hard at keeping my credit in good standing and if i did not check my acct daily i would never have known my origianal check was not deposited until it was too late. i believe they have very shady practices. so now i am waiting for a refund because they took an extra XXXX. thank you for listening..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

My current mortgage company kept calling my wife and I about refinancing our mortgage. We both told them no and we weren't interested and the went ahead and ran our credit without our approval.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I discovered I was a victim of wire fraud. The XXXX XXXX XXXX XXXX XXXX XXXX was hacked and I received fraudulent wire transfer information. I initiated the wire on XX/XX/XXXX. I immediately called USAA to inform them of the fraud. I spoke with a representative. I also spoke with a rep on XX/XX/XXXX. I called again on XX/XX/XXXX to check the status of the wire fraud. I was then informed that no recall had been initiated on the wire transfer. Now instead of being in a 24 hour window, the recall wasnt initiated until 4 days later.
Product: Money transfer, virtual currency, or money service

I have a Venmo account with a balance of {$1100.00} that the company will not allow me to access. 

On XX/XX/22, I received an email stating in part, Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please submit a picture of your unexpired US government- issued photo identification via our Document Upload Form, linked below. This is required to ensure you are the legal account holder. 

On XX/XX/22, I uploaded an image of my US passport card via the link they provided in their email. 

On XX/XX/22, I received this email : Hello, Thank you for reaching out. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

Team Venmo I have sent emails to XXXX and reached out multiple times to Venmo support ( XXXX ). No one can explain how I violated the user agreement, or how I can get my money out. 

At the moment, my Venmo balance is all the money I have to my name, so this is devastating. Please help!