23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

to whom it may concern : i was approached by village company on XXXX regarding refinancing fha as i already had my mortgage with village capital i accepted that then when i was told i was approved on XX/XX/XXXX i had the closing which was done. then on XX/XX/XXXX i was told to send a pay stub and utility bill which i did.they told me the loan will be paid off on XX/XX/XXXX and my next payment on new loan will be on XX/XX/XXXX i found out on XX/XX/XXXX that loan has not been paid off and i am getting every day harassment call regarding XXXX payment that i am past due i called many times and i get no where they also have put that against me on credit bureau i dont know what i am supposed to do nor where to go please help i do have all the emails and closing paper thank you for your time
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently pulled a copy of my consumer report and I noticed inquiries that I did not authorize. 


The fair credit reporting act says that the only permissible purpose for pulling someones consumer report is for : Firm offer of credit Insurance Court order Employment These inquiries does not have a permissible purpose they are not attached to an account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Outside of what I just listed above according to the FCRA these inquiries do not belong on my consumer report. Please remove the listed inquiries from my consumer report they were not authorized.
Product: Debt collection

I noticed the reporting on my credit report back in 2021 and i thought it maybe due to error so i disputed the collection and it came back verified and i requested the steps of verification because i know i dont owe the debt and am not familiar i never received any of documents of steps for verification only a copy of a bill which isnt allowed and violation of my hippa rights i believe it may be due to fraud of identity being used i request on these basis it be deleted and hasnt i demand this be deleted off my credit file and to stop causing me negative damage to my finances.
Product: Debt collection

Company falsely reported to credit reporting company that account was disputed. Never received communication from this company showing the total debt and a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus and company stated that information was correct but again I was notified in writing about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX i took at look at my credit report and saw an account that would like you to investigate, after you investigate this account of XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX ( XXXX ) XXXX please delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report, Please revise and delete this account is affecting me from buying a house.
Product: Money transfer, virtual currency, or money service

I am writing to file my complain regarding Zelle and their handling of policies disputes regarding the CFPB lawsuit concerning all of the problems the company had. I used Zelle frequently and reported problems but they were never fixed or addressed. They told me that recovering lost funds was impossible and not able to be tracked. The CFPB finding shows Zelle neglected to protect customers and repeated offenses.
Product: Money transfer, virtual currency, or money service

This happened around XX/XX/year> where I was supposed to buy a ticket off of someone that seemed really at the time for the amount of {$360.00}. By the time I knew it was a scam is when I lost contact with the scammer 10 mins after the money was sent so I was unable to cancel the transaction so getting the money was impossible. There also wasnt a warning before the money was sent making sure if I was sending it to the right person.
Product: Payday loan

I received an email from this company stating that my loan has been approved and processed. I also received a phone call but never spoke with anyone. I have not applied for a loan at Cash Central out of Utah. Since this happened I pulled my credit reports and see where they have checked my credit in the past as well. I have never had any association with this company. I was able to go online and pull my so called information. They have my social security number and drivers license number correct but nothing else is correct other then they have a relatives contact information that they will harassed for payment. I have tried to research this company online and it appears that others have had similar issues as me. This company is doing illegal phishing into people 's lives and personal information then processing loans without our knowledge or consent.
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. 


I told Equifax to reinvestigate these accounts : 1. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account Type : Credit Card 4. Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account Type : Mortgage XXXX. Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account Type : Auto Loan However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Act 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. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XXXX/
Product: Money transfer, virtual currency, or money service

I tried to cash my check and was told since you always complain we won't help you and we will etch on your check and do something to it if you come back. I came on a different shift and a XXXX girl was there by herself, she told me I just deleted your check out of every pls and bank and sent it to a fraud agency because we don't want you here. I tired to go to XXXX and they said that she had deleted my check it falsely accused me of fraud. I called the fraud hotline and they said that the original fraud reporting pls had to remove the fraud off of my check and give me my cash. I also called the manager and she said that I have to file a court case against the girl who illegally scammed my check and to my face she was 1 of 3 girls who told me not to come back and that the district manager told them not to deal with me because I tell on them and complain.
Product: Debt collection

I received a call last Thursday from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. The woman said there was a suit about to be filed against me and used intimidating tactics to try to get me to pay for an old debt that I had paid off years ago. I told her that and she refused to accept that. The call ended into a shouting match and I hung up. I receive these calls several times a year. They result from these XXXX XXXX firms buying old Credit Card companies Write Off lists with consumer info such as credit card company and social security number. They then try to coerce you to pay it off or be sued. They are thugs on the phone! I even had one company in California put a collection on my credit report. I had to contact my State Attorney General to get it corrected on my credit files with the three credit bureaus. I'm sure you know that the Credit Bureaus are very difficult to deal with. Why can't the CFPB do something to stop these predators from operating these scams on innocent people. You can do a XXXX search on the above mentioned company and see all of the complaints lodges against them. Why are they allowed to be in business? 

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 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

My husband 's grandfather had a reverse mortgage that was serviced by XXXX at the time of his death in XXXX. The home was left to us in his will. After sending in all the required documents to show intent to purchase the property, and all corroborating documents ( death certificate, warranty deeds, heirship affidavits, letter of intent, pre-approval from new lender, payoff request from title company and authorization to speak on the account from the executrix of the estate ) the loan was transferred to another servicer under the XXXX XXXX XXXX XXXX umbrella, Reverse Mortgage Solutions. Despite having been told these documents and authorizations to speak on the account would be transferred over to RMS, they were not. So, I resent every document to the new servicer. Now, I 'm being told conflicting information about how long the process of even getting authorized on the account will take. Also, we still have not received any new correspondence through the mail from the new servicer that would advice the estate of the status of the loan ( It was my understanding that the new servicer must inform you within the 15 days of the effective date of the transfer ). Since we are living here, we know it is imperative to be made aware the foreclosure status. Furthermore, as each day passes additional interest accrues, additional servicing fees accrue and there 's the possibility of it going into a foreclosure status without us even knowing ( which would result in foreclosure attorneys fees and other charges that should not be applied to the account ). We have done everything possible on our end as we could possibly do but without any guidance or communication from the new servicer we are getting no where. It is exceptionally frustrating when your proactive about saving a family home and a ) the servicer changes in the middle of the process with little thought given to whats in the best interest of the consumer for resolving the default. b ) not communicating with the estate what additional information is needed to advance the process c ) Stalling the servicing/payoff of the loan to increase interest, servicing fees and possibly attorney fees. It feels like Reverse Mortgage Solutions is where XXXX sends it 's loans to be foreclosed. All we are trying to do is payoff the existing mortgage balance but it seems like since were in an positive equity position and since they wo n't need to submit a claim on a deadline to HUD, they 're just dragging their feet to drive up the payoff. I 'd like to not be so cynical, but after looking at the deceptive trade practices of each entity that has been involved with this loan, I would be naive not to expect questionable ( or even unethical ) servicing.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX continue to use my estate property for compensation by reporting an alleged bankruptcy. As the trustee for the estate I have not given Transunion, XXXX, or XXXX permission to use the estate property for any profit that does not benefit the heirs of the estate. These companies sell information for profit and prevents me from carrying out the duties for the estate which is engage in international commerce to benefit the heirs,
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action.
Product: Debt collection

The company started calling me daily, never leaves a message. I answered once and someone who sounded like they were in XXXX kept saying hello. This has been going on for months. 

I have never received any demand letter as per the FDCPA. Just repeated phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion regarding unauthorized inquiries on my report and they told me to contact the creditors that put the inquiry that is not in compliance with fair credit reporting act which hold Transunion responsible to investigate unathorized items on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Product: Checking or savings account

I spoke with a representative by phone from TDBank. I requested that they refund me each {$5.00} maintenance fee charge since my account inception. The representative couldn't answer when my account was open, denied my request for fees back even though they have ne in the wrong account type and would not let me speak to a supervisor even though I asked at least 4 times. I spent 27 minutes on the phone and accomplished nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$12000.00}
Product: Debt collection

XX/XX/ Dear BULLCITY FINANCIAL SOLO Per the fcra I am now opting out of any and all authorization I the consumer may have given you, written unwritten verbal and nin verbal per 15 usc6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had nothing but problems with experian XXXX since I did their free service and it expired, I happen to have a credit card that gave me free access, I pay my cards off every month, I never carry a balance, I make multiple payments per month up to 5 to clear a zero balance, I get emails from them telling me they are going to shut down my experian for no report of payment, XXXX is this.i was penalized XXXX points last week, for know reason, XXXX, XXXX I went up and up by XXXX points or more from experian, they claimed I paid a account off with XXXX recently this is incorrect, XXXX also raised a loan amount which I haven't touched to XXXX and raised my credit card to XXXX which is always at XXXX every month.i will file a XXXX on experian and take them to court if they don't stop their XXXX credit tactics, infact I went 5 mo ths with no score change with them before this none at all and I pay all my accounts off every month
Product: Credit card or prepaid card

Goldman Sachs Bank USA has notified me that they closed my Apple Card account as of XX/XX/XXXX for non - repayment of an extension of my own consumer credit, WITHOUT MY WRITTEN, XXXX SIGNATURE requesting for them to do so. Goldman Sachs Bank, USA is causing financial damage to my life and robbing me of happiness that I deserve to have. 
Goldman Sachs Bank, USA in violation of : 18 USC 892- Making extortionate extensions of credit.

15 USC 1692 ( b ) ( 2 ) - not state that such consumer owes any debt.

18 USC 894 collection of extensions credit by extortionate means.

12 CFR 1026.12 ( e ) ( 1 ) ( 2 ) - Prompt notification of returns and crediting of refunds. 

15 usc 1602 - Definitions and rules of construction : ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. 
( m ) The term " accepted credit card '' means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use for the purpose of obtaining money, property, labor, or services on credit. 

( n ) The term " cardholder '' means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person.

Senate Document No. 43, 73rd Congress The ownership of all property is in the State. Individual so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and subordinate to the necessities of the state. 
Congressional Record, March 9th, 1933 on HR 1491, p.83 Under the new law, the money is issued to the banks in return for government obligations, bills-of-exchange, drafts, notes, trade acceptances, and bankers acceptances. The money will be worth 100 cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation.

Title 18 8. Obligation or other security of the United States defined the term obligation or other security of the United States includes all bonds, certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States, and/or its designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for me to be held liable for government obligations. 

Goldman Sachs Bank, USA is violating me as the consumer.
Product: Credit card or prepaid card

I selected to pay the full statement amount to the credit card in my account. However on XX/XX/2020 the system only charged me {$35.00} which is the minimum payment. And I was charged {$43.00} as interest. Given that I paid the full amount as soon as I noticed the issue, the bank still refused to refund the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agencies showing up on my Credit report, and I keep disputing them because I never had any business dealing with the Collection Agencies.
Product: Credit reporting or other personal consumer reports

Upon recent review of my credit report, I noticed these unauthorized inquiries. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

1ST FRANKLIN ACCOUNT XXXX This account has been on my Credit Bureaus and I have disputed it numerous times and the Credit Bureaus state that the information is correct and it is Fraud and I am a victim of Identity Theft. I personally took the Police report to 1ST Franklin and they said that there was nothing that they would do about the account knowing it was not mine and I gave them a copy of my Drivers License so they could compare their file to my ID and they made a copy of it and put it in their file to start pursuing me to pay for this even though it is not mine.
Product: Payday loan, title loan, or personal loan

I live in NJ and the law for this state says that a company can't charge more than XXXX XXXX for a personal loan. Avant is charging me XXXX XXXX  which is violating ursury law. I'm entitled to all intrest paid to be counted towards the payoff of the loan. After talking to them they cut my payment from {$430.00} to {$250.00} per month, but still never changed the XXXX XXXX rate to under XXXX XXXX And if you look at the credit reporting for this it has alot of missing information as though there trying to hide the fact of over charging me. They don't even post a payoff date. I notified them of what there doing is wrong early into the loan. But they refuse to make things right.