23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The end of XX/XX/2020 we contacted Lakeview loan servicing based on their letter to us offering a good refinance rate. We have been in contact with them since, sending in documentation they requested, often the same documents multiple times and then having to submit those same documents again because of the amount of time. 
our initial contact was XXXX XXXX. 
We have talked to the loan processors. First one XXXX XXXX then XXXX XXXX XXXX around XXXX XX/XX/2020 ) who is our current loan processor. 
The home appraisal was done XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX early XXXX. 
It is now early XXXX and the manager of the loan processors has refused to contact us and the loan processors put the delays off on the underwriters who we can't talk to. says they can not help and processor company XXXX XXXX XXXX XXXX says they don't do Refinances. 

What is the complaint - First is the long time for processing over 4 months ; Second the lack of support to contact someone to address the issue ; third the appraiser company we were told we had to use we feel gave us a low appraisal for XXXX issues. The house appraised for less than we purchased it for 5 yrs ago, even though the community and area prices have gone up each year. 

Biggest issue is the lack of action and communication with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX I Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : REF # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2018 I have been disputeing two account with Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX   or any means of automated verification. yet Equifax allowing XXXX XXXX and XXXX XXXX XXXX XXXX  to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX  File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX  and place a Fraud Victim alert on all my credit report. yet they file to remove these account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I did not authorize it was due to fraud and I will like them deleted immediately I was a victim of identity theft and I did not apply for anything for these inquiries to be reporting
Product: Checking or savings account

I visited the Suncoast Credit Union branch located at XXXX XXXX XXXX, XXXX, FL XXXX to open a business account for XXXX XXXX XXXX. I provided all required documentation, including identification and business registration documents, as per Florida law. However, the branch representative XXXX XXXX XXXX insisted that I provide bylaws and official minutes, which are not applicable to a sole proprietorship. 

She stated that Suncoast Credit Union does not distinguish between XXXX XXXX XXXX XXXX, and that XXXX XXXX are only for licensed professional associations, requiring a professional license to open an account. This is incorrect information, as XXXX XXXX do not have bylaws or official minutes, nor do they require a professional license unless operating in a regulated profession. 

When I questioned the request, she escalated the issue to a Sr. Business Services representative named " XXXX XXXX  , who was supposed to call me to explain but did not provide a resolution at the time. This entire process took an unnecessary amount of time, and I waited a long time in the lobby only to be given incorrect and misleading information about Florida business structures.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 I requested my all of my information be removed from LexisNexis ' database. Instead of removing my information LexisNexis placed a freeze on my account, which I never requested.
Product: Mortgage

XXXX This is a response by to a letter that was sent to me onXX/XX/XXXXstating if I 'm not satisfied with the response from Ocwen Loan Servicing that was sent to you to reply or you will close the file. After gathering document to show that I was force into a medication from Ocwen after being dismiss from bankruptcy, a class action law suit was file against Ocwen and I receive a letter dateXX/XX/XXXX stating if I did nothing I would be part of the law suit letter enclosed ) I have never anything from the suit, and CFPB was involved in the law suit against Ocwen. Furthermore Ocwen state that I requested a modification and was approve for HAMP modification but there is no indication this HAMP modification is a SILENT SECOND MORTGAGE I would have not requested XXXX added to my loan if they would have stated that it was a second mtg. Guideline to what a silent second mortgage is enclosed. and according to RESPA the mortgage company is suppose to provides consumers with improved disclosures of settlement costs and to reduce the costs of closing by the elimination of referral fees and kickbacks. and I 'm still ask Ocwen to clearly show what the XXXX was applied to and what did Ocwen send to IRS interest that was paid by buyer for the time XXXX. Could not enclosed the silent second mortgage will send later.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I have been attempting to remove PMI from my mortgage for about 18 months. The mortgage servicer, Huntington Mortgage Group, will not consider the original appraisal of my property ( {$120000.00} ) but  only the refinance value of XXXX 
The original mortgage was closed on XX/XX/XXXX and this loan was refinanced on XX/XX/XXXX, through the HARP program, which did not require a new appraisal. 
I currently owe {$96000.00}, significantly less than 80 %, nevertheless the Company is requiring a current appraisal, at my expense, with a cost of {$380.00} by their referred appraiser and no guarantee of it being a fair and valid one. I am unable to afford this. 
According to XXXX XXXX XXXX the current value of my property is {$130000.00}, according to XXXX it is {$150000.00}. 
It does seem odd and quite unfair that, for taking advantage of a federal government program ( HARP ), I am being penalized, since, if I had nor refinanced there would be no issue on the cancellation of PMI based on the original purchase price, with no need of an updated appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  I entered into a 24 month lease for a new  XXXX   XXXX   XXXX  with creditor  XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  Note, that the contract did not asses s a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was receive d by  XXXX  on  XXXX / XXXX / XXXX  ( see attached   XXXX    statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges as sessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). T he vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX .  XXXX  fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because  XXXX  's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with   XXXX   on  XXXX / XXXX / XXXX  a  XXXX  representative stated that the {$110.00} charge is NOT owed but still on my account because they have not y et received a " signed odometer statement from the dealership. '' Whether or not   XXXX   ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.
Product: Debt collection

I have not received any notification of this medical debt. I just appeared on my credit profile. According the the FDCPA, I have to have received notice and an opportunity to dispute account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX Balance : {$130.00XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Barclays XXXX XXXX  Credit Card Credit card was misplaced and locked in XX/XX/2021. Shortly after I found the card and called to unlock it. I was told it wasnt locked, however the card did not work at all. I called multiple times and this was not resolved. Now 2 months later, I still can not use the card. Last week I started calling daily. The automated system when you call say its locked, but the representative says it is not and should work. More than once, I am told they can not help me, and they transfer me back to the initial recording and it starts all over. I have asked multiple times to talk to a supervisor, and am retransferred to the initial recording again. When I ask the next representative about it, they say, that person didnt leave notes so they dont know whats happening. I finally reached someone to help last week who tried to help us, but it was not resolved. He said it must be a security issue and its not his department. He said Thursday someone would call me back within 24 hours to resolve it, and no one called us back. I called back again today, and all 3 times, I was told they can not help me, and they either hung up on me or transferred me to the original recording again. This is unacceptable and needs to be resolved immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had two late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

Subject : Dispute of Unauthorized Account and Reporting Under 15 USC 1681 and 15 USC 1692D Dear Sir/Madam, I am writing to formally dispute the unauthorized account and any related reporting on my credit report. Upon reviewing my credit report, I noticed an account opened wit XXXX  XXXX XXXX  ] that I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report under specific circumstances, one of which includes the consumers written consent. I have not provided any written consent to TRAMSUNION AND XXXX XXXX XXXX  to open or obtain information regarding any account. Thus, the account and any related reporting from this entity are unauthorized and in violation of the FCRA. 

Furthermore, under 15 U.S.C. 1692d of the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited to engage in conduct that results in harassment, oppression, or abuse in connection with the collection of a debt. The unauthorized access, use of my credit information, and opening of an account without my consent fall under such prohibited conduct.
Product: Checking or savings account

I purchased a set of cameras from XXXX XXXX the tracking stated delivered to front door but i received it so I tried to resolve the issue with the company they kept giving me the run around so I went to my bank which sided with the purchase even after showing them that the merchant doesnt want to help I went as far to do a police report for theft of my packages because they are no where to be found and still my own bank wont assist telling me their investigation is concluded because there was no issues with the transaction Order date was XX/XX/2023 I spent {$650.00}
Product: Student loan

I am a cosigner on an XXXX. The load has gone into collections because none of the benefits of VSAC loans are attached to this loan. There are no reduced payments, no deferments and I am not allowed to consolidate this loan because it is a private loan. I filed for bankruptcy a few years back and the loans were not discharged even though they are private loans. 

The loans have gone into collections and I was told that I would be allowed to have a hearing based upon hardship. VSAC placed an offset on my tax return that I had intended to use to pay my Federal taxes. I was expecting to receive a property tax rebate that is based on my income and my ability to pay my property taxes. This money has been used to offset my VSAC loan. VSAC sent me a letter telling me they had confiscated my tax rebate and that I had a right to a hearing upon request. I sent a letter to them requesting a hearing and was denied. I rely on this money to pay my property taxes to my town. 

I have not been able to work out any arrangements with the collection agency. When I spoke to a representative from VSAC on the phone she told me to speak with the collection agency eventhough VSAC is sending me correspondence. 

I would like some help with working this out with VSAC. I would like a hardship hearing and I would like to know why private loans are not being discharged in bankruptcy. I still have bills that need to be payed before my loans.
Product: Money transfer, virtual currency, or money service

PNC will not allow me to link and ultimately transfer money to a different app for use.
Product: Debt collection

On XX/XX/2024 I noticed that General Revenue Corp a collection account was added to my XXXX credit report. The original creditor is XXXX XXXX which I never attended or enrolled. XXXX XXXX, sent this debt originally to XXXX XXXX XXXX XXXX XXXX I disputed this that account with XXXX XXXX and was removed due to fraud. XXXX XXXX  reinstated this debt with General Revenue and reopened another collection account on my XXXX credit report. This is the same alleged debt, but now being reinstated with a new collection agency. I do not owe this debt as I never attended XXXXXXXX XXXX, this is being reinstated via another agency and credit report. I have filed two identity theft reports, one from XXXX XXXX XXXX  and one for General Revenue Corp. XXXX XXXX  keeps on reinstating the {$1000.00}, which I do not owe and negatively hurting my credit, after I gave them notice of this fraud.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>