23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ADA/XXXX Violations During the process of submitting a loss mitigation application, I have been asked multiple times about my XXXX. My XXXX status has been scrutinized and I feel my rights as a XXXX person have been disregarded and violated. 

I have been asked how long Ive been XXXX. I have been asked how long I expect to receive XXXX. I have been asked to provide a bill or documents that support my illness and diagnosis, explicitly detail my illness and/or directly indicate my XXXX state. I was asked that it detail certain dates or time frames. 

Im now being subjected to repeated calls and requests for the same and/or similar information which is not only causing additional and undue stress and a negative impact on my conditions. They are claiming information not received or just the need to clarify or verify information stated. 

I was told the mitigation process began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; and was to complete by XX/XX/2018. Now Im told the process did not start and is just beginning and might be a while longer. 

I have repeatedly been inquiring about foreclosure information and told different information, now on self recorded calls. I was told I was in foreclosure. Called the attorney and was told no file in hand. They indicated my file was in loss mitigation and foreclosure never initiated. Called foreclosure department at Dovenmuehle and they stated loan Not in foreclosure. It was in loss mitigation. 

I told all this to a XXXX XXXX and I also told her several dates I tried to get reinstatement details and was not provided. She cut me off and said shed have to get with management to look into things. She said the foreclosure information was incorrect and said she didnt know why anyone indicated confusion. They likely just havent properly filed everything yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend  yourselves.
Product: Checking or savings account

XX/XX/2023 {$1100.00} informed them for the transaction that I did not authorize which I filed a fraud claim and the denied it I have been a victim of identifty theft due to the rent issues and flooding issues in California I have been moving from one place to another and losing vaulabble The denied the claim say it was not an error it was people all type of way to take people information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquires on my report I did not authorize. I have not and did not request to do business with the companies listed below. I have contacted the companies they referred by to follow up the the credit bureaus stating they are unable to do anything. I have contacted Transunion several times requesting these hard inquiries to be removed they have failed to remove. Transunion has ignored my requests. I'm requesting deletion of hard inquiries they were NOT authorized and should not be listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXXXXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX 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 XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matte
Product: Payday loan, title loan, or personal loan

I had a credit building loan account with Associated Bank that was closed in XX/XX/2018. Associated Bank and I are currently in dispute regarding the date of the last payment and how it is being reported on my credit reports. Associated Bank claims the account was paid over 30-days late. Regardless of if the account was past due at the time of last payment, Associated Bank refuses to list the account as current. My last payment to this account paid the balance owed in full and Associated Bank is reporting that the account is currently 30 days past due. The account can not be both paid in full and past due yet Associated Bank refuses to listen to me on this matter and they continue to issue blanket denial letters when I inquire about this. Even if the last payment was over 30 days late ( which is was not ) this account would no longer be in a derogatory status because, as I've said and I repeat, it has been paid in full and closed. Accurate data reporting is the cornerstone of the Fair Credit Reporting Act and Associated Bank shouldn't need disputes to know that.
Product: Debt collection

They sent me over a contract with my name typed in.. I don't type my name is no where for my signature. Those don't have my hand written signature. Those are False Document. Please show me where the money was depoisted into my account .I need date and time .. 

Plus i need signed document s
Product: Checking or savings account

I am filing a complaint with the CFPB about Capital One and their failure to deposit my direct deposit from my employer. Capital One is saying they have technical issues which may violate the Electronic Funds Transfer Act requiring timely access to funds. I request assistance investigating this claim to ensure my rights are upheld.
Product: Checking or savings account

On XX/XX/year> I was at the XXXX XXXX XXXX and used my debit card ( purchase of XXXX ) on an ATM from the company XXXX XXXX XXXX. The money started to come out and was folded over so the machine pulled it back in. I was told by security to file a dispute with my bank and they would get me my money back. Wells Fargo had tried to dispute it but the XXXXXXXX XXXX is stating there was nothing wrong and I got my money, in which i did not and there was a security guy there as well and he tried to get the money and could not. I just want my money back and I have called the XXXX XXXX multiple times and they say they will call me with a resolution to get my money back and they have yet to do so. Please help me get the money back.
Product: Credit card or prepaid card

I applied for a credit Card with Barclays. I received the card but never activated the card. 
I was then charged a {$89.00} fee on an unactivated card. I was not aware of the charges until my credit report showed 30 day late payment from Barclays. 
I would like Barclays to be investigated for this fraudulent activity. 
Also, Barclays negative reporting the credit agencies and associated cost to be immediately remedied.
Product: Vehicle loan or lease

So i never recived any loan or car for that matter and i tried disputing this issue on all credit reporting agency and have not been able to resolve issue for over 2years now this company is reporting false information and ive called them directly and told them that this account was the result of unauthorized services
Product: Debt collection

After checking my credit reports I noticed a debt collection from Convergent Outsourcing , INC . I have written to this company for them to supply me validation of said debt. I received a bill. I have never had a contract with this company. I wrote to them again about this matter and have received no response.
Product: Mortgage

I applied for refinancing of my Nationstar mortgage through Green Light loans who is a subsidiary of Nationstar. I was told not to make XX/XX/XXXX payment during process as one payent is skipped. I called Nationstar on XXXX XXXX when i got late notice on mortgage and they told me to disregard if I was refinancing. I got nervous XX/XX/XXXX and called Green Light Loans on XXXX XXXX and was told to make payment as I could n't miss two but not make XX/XX/XXXX. My wife made payment on XXXX XXXX and we were told we were turned down due to late payment. All of the phone calls had taping notifications upfront. I even have email from Greenlight loans confirming they are telling e I do n't have to pay one month loan.I had just been in very big lawsuits and had run out of money and had credit problems which my loan company knew but i had never paid mortgage late previously. They turned me down in id XX/XX/XXXX and when i paid, i now have XXXX late credits on my account and I am forced to keep paying much higher interest rate. I think they wanted to keep higher interest and purposely manipulated late payment. I attached e.mail showing they told me not to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to allow XXXX XXXX XXXX to manipulate data on my credit report which has resulted in my credit score being dramatically affected in a negative way. I have multiple times disputed this with Equifax. The amounts of what is being reported as owed would change a few cents on multiple occasions making this account look as if it is recent when in fact the account is 7 years and 6 months old and should not be on my credit report anymore. As well as the payment dates have been manipulated. Both other credit bureaus have removed this account as it is too old to show on my credit report. Equifax removed it recently in the past 2 weeks and then put it back on my report. Equifax has been very uncooperative and refuses to see that this should no longer be on my report. Every time I have disputed this with Equifax my credit score has plummeted. They have penalized me every time this account was disputed. And my credit score again just dropped 120 points. A 7.5 year old account in now way should be affecting credit this adversely even IF it was still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of renovating my home. I wanted to take out a loan but I checked my credit report before doing so. I noticed some items listed on my credit report that I never gave consent to. 

On XXXX XXXX my credit was ran without my knowledge or consent by XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company Credence Resource Management , LLC is appearantly working a scam on XXXX XXXX. I received a call from them on Thursday, XX/XX/XXXX. They claim to be attempting to collect on an Already Paid Debt, for ambulance service, dating back to XX/XX/2012! 

First off this debt ( ambulance service ) incurred due to a work related accident. This debt was billed to and PAID FOR by XXXX XXXX XXXX 

Now ELEVEN years later, Credence Resource Management , LLC is attempting to be paid a second time, in hopes that a XXXX XXXX XXXXXXXX XXXX XXXX  has forgotten the details and will render payment a Second Time.
Product: Debt collection

DYCK ONEAL has violated my rights. 
15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Student loan

Ok so a year ago I consolidated all my loans and they were transfered to XXXX. While making the transfer all my servicers were brought over except for Oklahoma student loan authority ( OSLA ). I am getting letters saying my loans didn't transfer from OSLA and I can not apply for a income driven plan due to no activity on the account. I have been renewing my IDR plan every year like I was supposed to so I didn't understand this. Also it shows these loans are at XXXX as well. I am very confused because I wasn't explained that this was going on I thought my loans were with XXXX and I had income driven plan already in place. I really need this IDR plan to stand as I have a family of 4 and can not pay a XXXX payment., I make XXXX gross a month. I pay all my obligations on time just for the basic rent, utilities, food, internet, phone. I make just enough to pay these obligations. Also OSLA has been reporting me to credit bureau since XXXX before the payment pause was lifted. There is something funny going on that has made it where half my loans are set up on IDR and other half can only be set up on a standard repayment plan. I really need OSLA to be looked into on fraud on my account and I should have all my loans set up on IDR plan and adjusted to my income so I don't become homeless paying down my student loans. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For my Experian Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXXXXXX XXXX XXXX specifically ) There are also inquiries on my XXXX Report that I dont recognize as well
Product: Debt collection

On XX/XX/XXXX at XXXX pm, I received a call from Alpha Recovery Corp at XXXX. They are the THIRD debt collector to call me in 12 months seeking payment of a {$500.00} debt from XXXX XXXX retail store. The 2019 debt was filed as FRAUD. The fraud claim was told and shared with three debt collectors.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

Account Name : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

" CAPITAL ONE BANK USA '' makes an inquiry on my report every month. I have never authorised Capital One in any way to access my report. I have never applied for a Capital One Bank credit card or checking/savings account in the history of my credit. I have no connection to this bank and I would not like this to be on my credit report.
Product: Credit reporting

I disputed several items on my credit report that have wrong balance and wrong dates, yet experian refuses to investigate the matter saying that it is true with no further investigation. Experian needs to be fined and forced to reinvestigate my dispute!!!!!!
Product: Mortgage

I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME, I SENT IN A MODIFICATION PACKAGE AND WAS INFORMED BY MY ASSIGNED REPRESENTATIVE WHO IS AS  RUDE AS CAN B E  XXXX   XXXX  THAT DUE TO COMPANY GUIDELINES THEY DO NOT NEED TO INITIATE A MODIFICATION REVIEW BECAUSE I HAVE A SALE DATE WITHIN 37 DAYS. I ASKED IF THE FORMS I SENT IN WERE THE CORRECT FORMS AND SHE STATED NO WE HAVE COMPANY FORMS THAT WILL NEED TO BE COMPLETE, SO I ASKED HER IF SHE CAN SEND THEM AND SHE SAID NO I WILL NOT SEND THEM BECAUSE I DONT HAVE TO.     HOW IS THE SERVICER OF MY LOAN REFUSING TO SERVICE MY LOAN? THIS HAS TO BE ILLEGAL ON ALL ACCOUNTS.  XXXX  STATED THAT SINCE SHE HAS BEEN DOING THIS FOR YEARS SHE KNOWS WHAT SHE IS DOING AND DOES N'T HAVE TO SERVICE MY ACCOUNT BECAUSE I HAVE A SALE DATE. I THOUGHT THE SERVICER HAS TO CONTINUE SERVICING THE LOAN UNTIL THE HOUSE IS SOLD?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/XXXX/ Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Vehicle loan or lease

Hello, On XX/XX/2020, my car was T-boned and declared a total loss. Everything is covered by insurance but the problem with Hyundai Motor Finance " www.hmfusa.com '' they are not updating the information on the account and I'm forced to make payments at every beginning of the month {$370.00} lease amount and if I don't pay it becomes past due and affects my credit score. My insurance requested a letter a guarantee and nobody responded since XXXX. My insurance tried to reach them on numerous occasions with no callback or response from HMFUSA. I am thus forced to pay monthly payments for a vehicle that I do not own anymore and that is not being paid off due to HMFUSAs failure to get this issue resolved. It is my understanding that HMFUSA is delaying the payoff on purpose to obtain more money from me rather than apply my gap insurance. HMFUSA is taking advantage of the pandemic, myself, and is acting in bad faith. On XX/XX/2020, I received a confirmation letter from Hyundai Finance that my " insurance company notified Hyundai Motor Finance that your vehicle was deemed a total loss. '' Since then for las couple of months I, my attorney and my insurance company trying to reach the HMFUSA but the company is not responding. I did email then with the request to update the information on my account and nobody is responding as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I OBTAINED AN AUTO LOAN ON XX/XX/2019, IT IS NOT REPORTING ON MY CREDIT REPORT, I  NEED THE AUTO LOAN THAT I HAVE WITH XXXX XXXX XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,
Product: Student loan

I have been regularly paying a private institutional loan to this company since XXXX 2018, but the loan has never appeared on my credit reports. When I asked a representative as to why the loan or was not appearing on my XXXX XXXX report, the company did not have an answer. After reviewing all three of my credit reports, I found that UNISA, INC. was not listed or accounted for on any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX/XXXX  ( SYNCB ) have a hard inquiry on my XXXX  report. 
I tried calling to resolve the problem. 
I spoke with a customer service representative. I informed her this is a mistake, I never applied for a credit card regarding the airline. 

This is a mistake and idenity theft, I then ask her to remove this, she told me no, and to call XXXX  and ask them To remove this..then informed me this is not for a airline company. 

And she has nothing to do with it. They are located in XXXX Florida, XXXX. Phone number is. XXXX. Please help me remove this hard inquiry.