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

XX/XX/XXXX, after completing the rennovations and rehab on a property, my husband turned on the hot water heaters and we smelled gas. I called XXXX, XX/XX/XXXX, and they came out XX/XX/XXXX to check the areas. There were three areas where the gas detector went off. I informed him that this was a duplex, two units, with a gas dryer and hot water heater upstairs, and furnace and hot water heater downstairs. He quickly showed me financial options. I mentioned that the prices were high. He said if I didnt allow them to do the job, they will have to shut off the gas and my tenants will not have gas. He said I needed a whole house piping with hot water heaters. The cost was going to be XXXX. I wasnt approved through Greensky, but they had me sign documents saying the job complete because they want to get paid upfront. XXXX the gas company came out XX/XX/XXXX and said the job was not done completely, and the pipes are not connected to the meter. There was still a gas leak from the dryer which they never checked. I got an invoice for XXXX, but they charged my Greensky XXXX, which is different than the actual work and the work they stated on the permit which is only for small re-piping. They now have 4 appliances running from one meter, which is against regulations and actually is a risk of combustion. Also, I told another technician I didnt want the job done, to allow me to shop around for another quote. He said " well you wont have a dryer for your tenants ''. I said I wanted to shop around. He did something and charged himself XXXX dollars for a job I did not want completed. This account and contract was made under violations against regulations of gas appliances and connection, fraud, adhesion of contract, and price gouging.
Product: Mortgage

I was in forbearance and am now in the payment arrangements to catch up the forbearance amount, which is the only choice they gave me was extremely high, but I am paying it is current according to the arrangements. But theyre reporting to the credit bureau that Im 90 days late.
Product: Debt collection

I was threatened with prison time, having XXXX warrants filed by XXXX, was told that " I 'll bend you over XXXX '' " the best you ever had '', was told that I have violated federal and state laws, will be prosecuted for check fraud, multiple threats and told that they will destroy me! The debt was sold by check into cash, and I want them held responsible. The collector/ " attorney '' gave misleading and false information. Someone needs to be held accountable for their actions, please help ...
Product: Mortgage

Incorrectly filed my apartments mailing and physical address, has not corrected my information and is withholding taxes and insurance in escrow to include a refund which is owed. Theyve have made numerous errors during the communication process, they have incorrectly mailed a check to an incorrect address, they have incorrectly sent numerous mortgage statements to an incorrect address, they have misunderstood the request of an address correction for a common change of address. They failed to respond and communicate to the request in a timely fashion as this has been going on since XX/XX/2023.
Product: Credit card or prepaid card

I entered into a settlement agreement with Penfed for one loan and one credit card, where I would make two payments for the loan by XX/XX/XXXX and three payments for the credit card by XX/XX/XXXX. Instead, I paid off the terms of both the loan and credit card immediately on XX/XX/XXXX and XXXX, XXXX. I honored the terms of our agreement. 

In XXXX, I contacted Penfed to enquire as to why my credit report isn't showing the terms of our settlement. My contact at Penfed, XXXX XXXX, advised she would look into it. She never responded to me again On XX/XX/XXXX, I received a letter from Penfed stating I was past due {$99.00}. I again emailed XXXX XXXX, asking why I was receiving this letter when the terms of our settlement agreement was met. She did not respond. I then called Penfed, and spoke with another agent who said she would get back to me. I have yet to hear anything back and my credit report continues to show innaccurate information. I am attaching the settlement letter, proof of payment from my Penfed online statement, and my email communication with XXXX XXXX.
Product: Debt collection

Recenily, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invaldated, inaccurate, and quessonable items thatt your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credt Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 16814 ( 5 )
Product: Mortgage

Ive been applying monthly for loss mitigation with Freedom Mortgage since XXXX Ive reported this to CFPB several times. First Freedom Mortgage told me I received 3 loan modifications from them so they denied me. Freedom Mortgage said they crossed my file with someone else file, their mistake they told me. Called me so we 3 way XXXX XXXX XXXX to verify my non existent checking account, My last application was for the pandemic unemployment loan modification, even though my only qualification is to be receiving unemployment I was still denied, yet placed in forbearance. I NEVER ASKED FOR FORBEARANCE, IVE BEEN APPLYING FOR A LOAN MODIFICATION AFTER SUFFERING FROM A DOUBLE FINANCIAL LOSS. First in XXXX of 2020 then COVID-19. I feel that Freedom Mortgage does not have a loss mitigation program in which they claim to have. Its a scam and my mortgage is in the middle of it. Ive never missed a payment.
Product: Credit reporting or other personal consumer reports

I have found several unauthorized inquiries on my consumer report. Inquiries initiated by a person that did not have my authorization or a permissiblepurpose. I have been a victim of identity theft. Please remove these fraudulent inquiries from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I took car loan from Santander bank Account number is ( XXXX ) car was XXXX XXXX, XXXX And total loan was almost XXXX and I was paying monthly payment correctly each month XXXX $ until pandemic for Covid, I contacted the bank to make delay payment for 2 months and they accepted and they send me letter including approval for making payment delay for XXXX or XXXX  months, so in XX/XX/2021 I did accidents with my car and insurance company XXXX Consider my car damage and I did claim number ( XXXX ) they considered the car total loss so they paid to Santander XXXX $ so after that I did claim by gap insurance for the remaining amount which not covered from XXXX, I did claim ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and they paid for Santander Bank almost XXXX, when Santander bank received money from XXXX and gap insurance too, not decreased interest and he still sending me bill and my credit score impacted although, the car already was taken by the company insurance XXXX, I need investigation about this and I send them letter to make payment plan but still not respond and they send me monthly payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to correct some information in their reports. I can not dispute online. Their website does not allow me to do that. It gives phone number. The agent helping me advises me to do it online. I said to her that i can not do that because I spent time already by waiting over the phone. She did not accept my dispute to remove fraught alert over the phone. I had to go to their website again to upload files. There is clear information on their website. their website is not customer friendly. it is like built for not helping to people including their phone system. Their voice recognition on the phone is not working properly. It is again like built for not helping to people. Their website is too limited. It is so difficult to upload documents. When you upload, the size of the document should not be more than 15 KB. if it is bigger than 15KB, you have to resize it first and then upload. When you try fixing the size of the documents and upload it, it is kicking you out of the entrance dispute form. In that case, each time you have to start from the beginning. Fill in the form and upload again. The capability of their website is so limited and after a few times it is not accepting anything and advising you to mail the documents. What is this? They charge so much money. They use our information to make money like credit card referrals all the time and advertisements. They cause for data breach all the time and we have to deal with this silly website. This is very greedy that they are taking so much from us and not giving anything. I urge you to advise these companies to serve better to us. Thank you
Product: Debt collection

On XX/XX/2020 Midland funding LLC added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/Sold and I am no longer responsible for this account. Midland Funding LLC did not verify this collection. Also there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say its mines. According to FCRA Midland Funding LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the recent hard inquiries on my consumer report. 
here are the accounts i want looked into XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company was included in my bankruptcy from XX/XX/2014. It was completely gone from my credit and now it has reappeared from XXXX XXXX XXXX as an open account in the amount of {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a denial letter on XXXX XXXX, 2019, from Ally Bank for a car loan, due to information supplied by XXXX credit reporting bureau. The credit score they supplied for me was 70 points below the other 3 reporting agencies. My husband 's score was 110 points lower than the other 3 agencies. I have no idea who this company is or how they are authorized to report on my credit status. From the information I have Ally Bank is the only Bank using this company. They are definitely not using the industry standard for Credt Scores. They have made up their own numbers ( XXXX ) and they are affecting my credit score and my ability to get credit. They also listed something about not having my phone number long enough. I have had the same phone number for 40 years. How can I stop them from lowering my credit score that we have worked the last 40 years to establish?
Product: Checking or savings account

Citibank offered a promotion where they offered XXXX dollars if you opened a new account for XXXX and maintained the account for a specified period of time. I signed up for the promotion and set up the account. They indicated that the account must be funded within 30 days of opening the account. I sent the paperwork in immediately after opening the account to transfer the money ( XXXX ). They waited the 30 days before making the transfer.I called up and spoke to a representative and they said they would honor the promotion because I had sent in my transfer form in a timely matter. They now say that they will not honor the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX A XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDITBUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

On XXXX I attempted to use my card the sale was declined even though there was available credit. Zero communication for Avant about why so I called Avant to find out why they said fraud hold. Well I asked them about XXXX time so far whhatbtransaction and why they thought it was fraudulent they REFUSE to answer and that makes me beleive somthing is illegal with this company. It is a simple question and should be easy to answer. Well the big issue is they do not have have customer service reps that you can call they have people who take messages and type emails to customer service reps that are available through email only. Is this legal?
Product: Debt collection

I moved into   XXXX   XXXX   XXXX   XXXX   was told upon moving in that I would have to give a 30 day notice to vacate apartment. I gave my 30 day notice paid my rent then was told the policy has changed and that I needed to give them a 60 day notice. They kept my {$400.00} pet deposit and my security deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all XXXX credit bureaus : XXXX, XXXX, and TransUnion an regards to hard inquiries and late payments that reported to my credit report UNAUTHORIZED, NO WRITTEN CONSENT an other words NO CONSENT IS IDENTIFY THEFT. I have sent Federal Trade Commission ( FTC ) Identify Theft report via certified mail an order to track its deliverance to each credit bureau because its vital to me to have these items removed from my credit report. I did follow up calls and was given false information from XXXX that they didnt receive the letter but I have proof from tracking the letter. XXXX only removed selected items and TransUnion refusing to remove items.
Product: Mortgage

BSI Financial is my mortgage servicer, I have tried to contact them many times to enter into a forbearance/modification. I can't seem to get a hold of the right department and or person who can help. When I get a person on the phone they say that I need to talk with the loan officer in charge of my loan. That my loan officer knows that I called and that they will call me back. I have not heard from my loan officer and am not sure what to do next. Please help! I need a resolution to this problem. I want to save my home!
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: Credit card

I have recently filed a complaint against this company for fraudulent accounts being opened in my name. I called them last week to let the customer service rep know that I discovered who opened the accounts in my name and it was my son. My son was XXXX XXXX XXXX at the time when he did this. The company is Continental Finance Company , LLC ( CFC ). The accounts are XXXX XXXX XXXXXXXX is issued by XXXX XXXX XXXX XXXX  ( XXXX ), the XXXX XXXXXXXX is issued by Celtic Bank, and both cards are serviced by CFC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX18 I checked my credit score with Equifax, as I noticed that this service was the only one that listed a delinquent item in my overall score. I tried for about 45 minutes to take care of the problem online, with no success. There website did not function as purported to. Totally dysfunctional website. Finally gave up and tried to find out how to complain and to whom. Found this website, talked to an agent and got directed to this complaint system. 

The issue involved a mistake made by a kid behind the counter of a XXXX XXXX XXXX XXXX in XXXX, Wa. XXXX XXXX XXXX. It occurred about 3 or 4 years ago. I discovered that this XXXX XXXX XXXX was taking money out of my account to pay for a loan account that I had a credit card for. When I discovered they were deducted money from that account I decided to close the account. I specifically told the kid to cancel my account, which I discovered during the data breach where everybody 's personal information was hijacked. I then took care of it, I thought. Apparently, Equifax didn't get the message. They continue to show a delinquency that affects my credit score. I actually went into the credit union 's branch in XXXX, Wa. and told them of the problem and they retracted the delinquency notice. I don't know why Equifax ignored the results of that retraction when the other 2 agencies abided by retraction. I tried to communicate with that operation but was unsuccessful due to their website being so dysfunctional. I need help getting the message to this " company. ''
Product: Vehicle loan or lease

We are the sellers of our RV that is financed with XXXX XXXX. The buyers are financing with Bank of the West/Essex Credit Division . 

Our signed Purchase Agreement dated XX/XX/XXXX, states {$83000.00} has the sales price for the RV. We also signed a Power of Attorney giving Bank of the West the ability to do the title and registration once the Purchase Agreement was executed. 

On XX/XX/XXXX, the buyer, per instructions of Bank of the West, sent our bank, XXXX XXXX, a check for {$100.00} On XX/XX/XXXX, a check from Bank of the West was sent and posted to our XXXX XXXX  account for {$78000.00} which paid off our RV Loan. We did not see any other payments posted except for this {$78000.00}. 

On XX/XX/XXXX, we contacted the buyers to arrange for the remaining balance which we calculate as {$4400.00}. Once the balance was paid, we'd arrange for buyer possession. 

On XX/XX/XXXX, the buyers contacted us and said Bank of the West instructed them to sent {$100.00} to XXXXXXXX XXXX and to pay us {$4000.00} ( which is what Bank of the West calculates as our balance owed ). We disagreed with the amount owed. We communicated that clearly in email and texts to the buyers and to their bank and that the amount owed is {$4300.00} after crediting {$100.00} sent to our bank. 

On XX/XX/XXXX, we are still in disagreement with the amount owed. We communicated that clearly again in email to the buyers and to their bank and that the amount owed is {$4300.00}. Since we weren't in agreement, we asked the buyers to arrange a conference call with their bank, the Bank of the West for XX/XX/XXXX at XXXX EST. 

On XX/XX/XXXX, we could not get the parties to join a conference call. We communicated that we are still owed the {$4300.00} to complete the Purchase Agreement. 

We are very concerned we will not see the amount owed of {$4300.00} and the buyers bank is proceeding with the title transfer and registration of the RV. We are still in possession of the RV and the keys and have communicate we revoke the Power of Attorney for the tiltle transfer and registration unit the amount owed of {$4300.00} is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 bankruptcy dismissed # 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

AARGON Agency , Inc will not reach out to research this account not consider any of my documents from an ID theft I experienced while living in a XXXX XX/XX/XXXX. I have sent them my insurance card for services rendered in XXXX XXXX and a police report for the ID theft on the XXXX XXXX services while living at the shelter that is also attached to the dispute on my credit report - AARGON said they will NOT look at those documents ... It is real frustrating how these collection agencies can easily attach an unconfirmed account, especially since the new debt collection laws have taken place in the state of NEVADA. Please help me in the matter, I feel XXXX three times over and have the documents to prove that I do not owe this debt to XXXX. I have also sent these same documents to XXXX XXXX XXXX today ( XXXX/XXXX/XXXX ) to the attention of XXXX - whom is the PT Accounts Services Manager. Research and review of these documents you will notice that my name is partially my maiden name and married name ( XXXX ) on my supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report, I noticed an account that has late payments that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for account XXXX XXXX XXXX XXXX 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, then I demand these payments be updated on time as they should be as I was NEVER late. 

Thank You