23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a real estate agent in XXXX, SC. I have a client/costumer that came to us to buy a home. We offered to help them and they decided that they wanted to do so. They were approved by XXXX XXXX loan XXXX XXXX XXXX XXXX # XXXX. After reaching out to the lender on the client 's behalf to gather information, the lender, XXXX, told us that they would speaking with the borrower personally. The borrower then reached out to us and said " they will not let me work with you as they have agents that they use. Sorry for the confusion because I really wanted you for my realtor but if I go with you, the pre-approval goes away ''. I then reached out to XXXX and he got his partner, XXXX XXXX, XXXXXXXX XXXX XXXX, involved. XXXX XXXX XXXX both initially told me that they are refusing to work us, as agents, alongside of this loan. They told me, on a recorded line, that the way that they do business is buy having their clients use their agents and that they would not help the borrower if they did not use their agent. After I told them that this was unethical and illegal, they then said multiple times that they " did not say that '' when in fact they did. They said It to me, my agent partner, and the borrower. When I called the company to complain, I was met with their supervisor, XXXX XXXX XXXXXXXX XXXX XXXXXXXX who then told me that I could " file any complaint that I want ''. This borrower is an elderly veteran whom they state that they want to help. They even told me that I was just trying to " line my pockets '' and I did not care about veterans. I am a military spouse who deeply cares about helping veterans. This mortgage company is being manipulative and unethical, not to mention doing illegal activities by telling veterans that they can only use their preferred agents who are part of their program or their approval will go away. This veteran DOES NOT know any better and is being lied to so that this mortgage company can make more money.
Product: Payday loan, title loan, or personal loan

Capital One wont let me access my account
Product: Debt collection

Mailed validation of debt XX/XX/19 and no validation received, but only receiving a communication XX/XX/19 indicating the inability to properly investigate because 30 days wasn't a sufficient amount of time to validate alleged debt. 
Debt buyer, though no validation has been received of authority or contract of authority yet continues to report to the bureaus without updating that the account is in dispute. 
Multiple violations under FDCPA.
Product: Debt collection

As of XX/XX/2020, I have sent monthly letters to XXXX XXXX XXXX  asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX XXXX XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Product: Credit reporting or other personal consumer reports

JPMCB AUTO fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). JPMCB AUTO is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 2- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 3- ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 5- ( XXXX/ACCOUNT # XXXX ) Has violated my rights
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681 SECTION 602A 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 AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS SO THEREFORE I NEED THESE ACCOUNTS REMOVED IMMEDIATELY
Product: Credit card

I had a secured Discover IT card, and I fell behind with payments due to education expenses. My account was closed and permanently revoked in XXXX, and this was not something I was aware of. I reached out on XXXX XXXX, 2016 by a message, and I asked if I made a full payment would it enable me to have spending privileges again. I was hasty, and I initiated a live chat with an Account Manager. We had an extensive chat, and in the end, I ended up making a payment for the full balance. Well, during this chat, this manager did n't say anything about my account being essentially inactive. I scheduled the payment for XXXX XXXX, 2016. I received a response on XXXX XXXX, 2016 informing me that my account was revoked and closed. I immediately sent a message and asked them to stop the payment having been told of that new information. To this day, I have not received a response to that message. I finally decided XXXX hours had passed, so I reached out to a live agent and asked for the payment to be reversed on XXXX XXXX, 2016. She told me that it would take about 15 business days for it to go thru the proper channels. I waited that much time and a bit over because on XXXX XXXX, 2016, I reached out again and I was informed that due to my payment history a partial or full refund could n't be issued. I did n't let it rest. Since XXXX XXXX, I have been fighting constantly. I reached out to the XXXX, and about an hour ago, I rejected Discover 's decision and issued a rebuttal. Discover has given me the runaround tirelessly for almost three months. I have talked to Account Managers, Supervisors, and this XXXX person who was a representative of the XXXX division. It went from a 15 day refund to talking to the bank wire department to everything in between. I even offered to allow them to a portion to show good faith. They rejected that citing company policy and my payment history. At any rate, this payment was made without having all of the facts. I do n't know if the agent assumed that I knew my account was revoked or what, but all I wanted to do was get back on track. I 'm a college student, and I do n't have a lot of money or a cushion so to speak. {$5500.00} tuition every XXXX weeks and the cost of supplies for school means my money is low. I was trying to do the right thing, but I would have preferred to pay the balance down overtime. I 've been more than patient. I realize my payment history was n't as strong as it could have been but work with me not rail against me and make me pay for a miscommunication. It 's bad enough that I asked 24 hours after the payment was scheduled to be taken for someone to please stop it and no one responded. It was a gross error and a huge mistake. One that I have been fighting hard to amend since XXXX XXXX, 2016.
Product: Debt collection

I received a copy of my credit report noticed a XXXX XXXX XXXX account. This company is reporting a collection account that is NOT mine and is inaccurate. I have never heard of nor done any business affiliation with them. It doesnt make sense as how XXXX XXXX XXXX can be reporting an alleged debt on my credit report According to Fair Credit Reporting Act ( FCRA ) everything on my consumer report/ credit profile must be accurate, and verifiable if not that information must be deleted. If the consumer reporting agencies are supposed to exercise their responsibility with fairness, impartiality, and respect for my right to privacy, why you not doing that? You are in VIOLATION of 15 USC 1681 section 602 A. As a reference, please see the below FRAUDULENT accounts in question that must be DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. This company has not valid proof Ive ever done business with them because I have not. I did NOT give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2. According to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.
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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Mortgage

Started working with Primary Residential Mortgage mlo XXXX XXXX XXXX XXXX. He informed me XX/XX/XXXX by phone we were pre-apprved for our home loan. XXXX did not disclose anything to us. After a few wks i reached out to the CEO to let him know of my frustrations and he kindly responded and had someone reach out to me. I then began working with XXXX XXXX Division President whom later had me to work with a branch manager XXXX XXXX. XXXX has been polite but has given misinformation throughout this process and has now caused me to lose my home with XXXX! XXXX has been very inconsistent and honestly i feel discriminated against due to not having a higher score as he 's used to. XXXX stated no origination fee would be charged then changed the info. Stated my dti was XXXX % then XXXX % some how no explanation. Told my builder he could n't move forward yet told me we were on hold. NO one at Primary has addressed my concerns and now my family is without a house!
Product: Debt collection

XXXXm the victim Of the fraud, I would like to remove this collection because im not owner Of this debt, I tryed to contact the company and they refuse to solve my problem, {$1500.00} is amount and debt collector is absolute resolutions- with XXXX XXXX.I teied to dispute it many times
Product: Mortgage

Hoping for a mortgage modification that is affordable. Submitted all the paperwork to Ocwen back in XXXX 2016 as of yet nothing has occurred. I had a hamp before " not affordable '' so I know it does n't take this long. I have complied with all their demands. The sale date of my home has been cancelled 4 times. there is a pending sale date for the XXXX of XXXX. When I call Ocwen they state that the foreclosure proceeding is on hold and the modification is under review. My relationship manager does not understand why it is taking so long. I am afraid the sale date will approach and a resolution will not have been achieved.
Product: Mortgage

During the government shutdown I spoke with Carrington about my inability to pay my mortgage ... they said I would be helped but they sent someone to my home to take pictures and continued to send me foreclosure notices in the mail ... the day the government shutdown ended they refused to take my payment without a {$20.00} up charge and they tacked on late fees and they didnt offer me any help ... I also tried to get a home line credit loan of which they gave me the run around and never gave me an answer ... Im still trying to catch up with my bills and I filled out a promise to pay request where they are refusing to accept that because now they claim I broke a promise which is not true .... I have tried to speak with them several times and they only give me the run around
Product: Mortgage

I have met all the requirements from pre-approval and final underwriting. They have stated that the max on the debt to income ratio for manual underwriting approval is XXXX % and I am at XXXX %. Other applicants with similar circumstances but a different gender, race and age where approved. I am under the XXXX % and they have denied my loan approval. They had me cancel one of my credit cards to meet their approval requirement 's, which has affected my credit. Since beginning the loaning process Movement Mortgage has known my debt to income ratio was 42 % the entire process, but has never mentioned it being an issue. I was told by the loan officer that if a different person on the loan committee did the final overview we would probably have a different outcome which is unacceptable. My life and my family 's life all depended on how one person feels about my age, gender, and race. I have my cash to close, three months ' worth of mortgage payments in reserves, home owners insurance, paid inspection fees, and the seller paid {$5000.00} towards the closing. I was conditionally pre-approved ( met all of the conditions such as closing my credit card ) for a loan amount of $ XXXX ; the contract purchase price was for $ XXXX. The seller paid $ XXXX, bringing the home purchase lower than the max on my pre-approval. Also, my mortgage payments would be approximately {$400.00} cheaper than my current rent which they are aware of. I have been renting for 3 years paying nearly {$1000.00} with no issue per my VOR. The mortgage would only be {$460.00} with about $ 200 monthly mortgage insurance, homeowners insurance and property taxes each month. I have been consistently employed for more than 3 years and I 'm currently employed as a banker. They made a huge deal out of my XXXX time ; discounting my hours worked and scrutinizing my time away from work on XXXX and XXXX ( XXXX ). Due to unforeseen issues with my XXXX and XXXX year old I had to devote some employer excused days to them but my monthly pay never showed a major decrease, if at all. They made it clear that this was a huge negative for them. I 'm also married and my husband is self-employed with a profitable business. We have a family that deserves the American dream that we have worked so hard for and we should n't have been denied this loan. They were clearly discriminating because I am a XXXX old XXXX Mother with XXXX small children ; however I am also a XXXX, with lucrative income, a solid work history, a solid rental history, and a fair credit score. Discrimination is not an option! We have to get justice!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate suggesting the disputed accounts were verified and they belong to me. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are not accurate. Account Name : US Department of Education - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights
Product: Student loan

Greetings, I have previous filed a complaint against this company, Navient. I have explained to Navient employees on numerous occasions that I believe that this student loan was secured via unethical practices. Initially I grudgingly paid on the loan, as I was repeatedly threatened by Navient that if I stopped payments they would notify credit bureaus, and this would negatively impact my credit rating. At some point in this process I decided to advocate for what I thought was right. I advised Navient on numerous occasions that I had made a conscious decision to no longer make payments on this loan due to means used in securing this loan. Nonetheless, Navient continued to call me 6-7 times a day on my home and cellular telephone for months, finally I stated, " Please stop calling me so often ''. I utilized my cellular telephone for work, those calls were interfering with my work, they did stop calling my cellular telephone. Navient continued to call my home telephone number all through the day, night and weekends. Yesterday, I was advised by two family members outside of my home that Navient had contacted them looking for me. Navient has my home  telephone number, my cellular telephone number, my email address and my home address, there was no need to place a " skip trace '' as indicated by XXXX XXXX. As of today, Navient continues to utilize my home number, my email address and my home address to communicate with me ; XXXX called me on my cellular telephone today. I believe once again Navient was attempting to intimidate me and harass my family members. There has to be a solution here.
Product: Credit card or prepaid card

I opened a Chase Account in XXXX. I didn't have an issue at all. They decided to close it. They stated that the number of inquiries and debt to income ratio was an issue and that is why they decided to close it. I have filed a complaint before regarding this issue and I am filing another complaint because I don't feel that the prior rep XXXX had an understanding of the complaint and I believe he just went through the motions. I am filing another complaint before I allow my attorney to take action of this issue because I do feel that i was discriminated against. All of my credit cards were paid off and I don't have a high debt to income ratio at all. The rep who opened the card verified it through an almost an hour long call. Not to mention that Chase contributed to the number of inquires because they put three on my credit report that were not on there otherwise. I am not pleased with the outcome and I would like someone else to look at it.
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurate on my report XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Experian XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian