23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The property in question was originally purchased as a primary domicile in Washington XXXX XXXX XXXX VA loan. The lender, Umpqua bank, escrowed taxes and insurance. I later moved for work, but kept the property as a rental. When the original policy lapsed, Umpqua procured a new policy for a rental property on my behalf. It was quite expensive. In late XX/XX/2021 I applied for a new policy with XXXX, consolidating it with my other insurance products, with a policy start date of XXXX XX/XX/2021. I did the same with another rental property with another lender at this same time. As part of the policy purchase, I provided the name of the lender/escrow, and XXXX contacted them. 

Several months later, I learned that Umpqua did not pay XXXX when billed. I received another notice at the same time re : the non-Umpqua property, but the payment there was disbursed from escrow shortly thereafter, so I thought little of it. I received a subsequent notification from XXXX, however, and they began attempting to collect the amount from me directly. I contacted XXXX to learn that they had never processed a change in insurance provider and XXXX was not on record. In inquired about the change in my monthly payments previously, but received no answer. I also directly inquired about whether or not I should pay XXXX directly, but received no answer. 

Umpqua contacted XXXX and received proof of insurance shortly thereafter. Additionally, I received an escrow analysis that lowered my payments, effective XXXX XX/XX/2021. However, when I paid the amount provided in the analysis for XXXX, I received a notification from XXXX that I had underpaid. Additionally, XXXX contacted me again requesting the insurance payment. I contacted Umpqua again asking XXXX ) whether they intended to pay XXXX XXXX ) the correct status/amount of my monthly payments and XXXX ) the reason behind the conflicting information on monthly payment amounts. I received no answers but was told they would follow up within the week. It has been XXXX weeks ; I still do not know how much I owe or who is paying XXXX. 

Note, I believe Umpqua contracts through a third party for escrow. I do not know and was not provided the name of this third party firm.
Product: Debt collection

I applied for my credit report, when I noticed items on my credit that I have never seen before, so I called the credit agencies and told them that items on my report were incorrect and they needed to be removed because I did not apply for them. 

They told me to file a police report and indicate what happened, which is why Im currently filing this complaint. Someone that Im not aware of used my identity to gain access to my credit and used it for what I did not authorized.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am filing a complaint against TransUnion, LLC due to their failure to remove unauthorized credit inquiries from my credit report, despite multiple requests and documented evidence that these inquiries lack my authorization. These unauthorized inquiries have impacted my creditworthiness, and XXXX lack of compliance with the Fair Credit Reporting Act ( FCRA ) has infringed upon my rights as a consumer. The details are as follows : Unauthorized Inquiries : My credit report lists the following unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ODE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, and each entity listed above has confirmed they have no record of my authorization or any permissible purpose for accessing my credit information. 

Violation of FCRA Regulations : TransUnions failure to remove these inquiries constitutes a violation of the following sections of the Fair Credit Reporting Act : Section 1681b ( c ) : Credit reporting agencies may only provide reports for specific, lawful purposes. None of the inquiries listed meet these requirements.

Section 609 ( a ) ( 1 ) ( A ) : TransUnion is required to verify each inquiry by providing the original signed consumer contract. To date, they have not provided this verification.

Section 1681i ( 5 ) : This section mandates the prompt deletion of inaccurate or unverifiable information. TransUnions refusal to act on unverifiable inquiries directly violates this requirement. 
Dispute and Response : I originally filed a dispute on XX/XX/XXXX, through both TransUnion and the CFPB under report number XXXX. In response on XX/XX/XXXX, TransUnion stated that inquiries remain on the report for two years, suggesting that I contact the companies involved if I believe there was no permissible purpose. This response does not address the core issue, as TransUnion has not provided any proof of authorization or a permissible purpose for these inquiries. 

I am requesting the CFPBs intervention to ensure that TransUnion removes these inquiries from my credit report as mandated by federal law, and that they are held accountable for their lack of compliance with FCRA regulations. 

Personal Details : Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Date of Incident : XX/XX/XXXX ( initial dispute, report # XXXX ) Company Address : TransUnion, XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Thank you for your assistance in resolving this matter. 

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

I recently received updated copies of my Equifax and XXXX credit reports. I noticed a collection account on both of them upon review. I filed a response with the CFPB about the issue and immediately received a response from the collection agency. I received letter in mail from them today, XX/XX/2022 and replied immediately stating that what was provided was not acceptable to validate the date. The letter was sent via certified mail with return receipt and is attached for reference. 

As noted above, their claim is invalid based on what they provided to me. 

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

Again let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Checking or savings account

This is the 2nd time I have had fraudulent activities on my account. I called the customer service # when I seen the charge on XX/XX/22. I have nor used XXXX or XXXX or purchased any of their products. They let someone purchase {$62.00} from XXXX on my account fraudulently then told me there was nothing they could do to stop the payment because it was already cleared on the banks side it has posted already he said. Then he said the only way to file or lodge a fraudulent case was to let the merchant go ahead and take the payment. He also said i had to call back in to make the fraudulent case...? Isn't that what I'm doing now? He said there was a phone number on the merchant information. When I asked if we could call the number together, he also stated that it could be a fraudulent # he said I could do it on my own time at my own risk but they could not risk the bank? What the XXXX? It's my XXXX money!!!!! This is the 2nd time I have had to cancel my bank cards,2nd time this has happened with Truist. So now I have no access to my money AGAIN because they are placing a hold on my card AGAIN to prevent any other fraudulent activities. Makes no sense right? so I am very upset that I have to go through this again. I work XXXX everyday I do not have time to go get a temporary card from the closest branch. They are my financial institution is their job to make sure this does not happen. I'm super disgusted by this. My future with this bank in up in the air. I can not trust them to make sound judgements with my money. They'll let any XXXX, XXXX, or XXXX charge anything to my acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I recieved a notice that CBNA had pulled my credit report resulting in a hard inquiry. I immediately called in to alert them to the fact that it was a fraudulent inquiry and they agreed that the name and phone number on the application did not match my own. I asked them to remove it and they said that they would, but as of XX/XX/2018 there has been no change.
Product: Mortgage

In connection with my purchase of a new home, I entered into a loan agreement with OneWest Bank, a division of CIT Bank, N.A. In order to benefit from a small rate reduction, I agreed to setup automatic payments from my CIT account ( CIT is a  division of OneWest ). My first mortgage payment is not due until XX/XX/2019, however, OneWest withdrew funds from my account on XX/XX/2019. I did not request nor approve OneWest withdrawing these funds. I called OneWest to resolve the issue and I was told they would credit these amounts to my XXXX payment. This is not an acceptable resolution as the effect of such a correction would be my providing OneWest an interest free loan of $ XXXX, and, in addition, I would lose any interest I would have earned on the $ XXXX during XXXX. For these reasons, I advised this solution would not work for me. OneWest did not offer any other solution. 

I can not believe that a lender has discretion to reach into a borrower 's bank account, without the borrower 's knowledge or consent, withdraw funds that are not due under the loan and then refuse to correct the " mistake '' in a manner that makes the borrower whole.
Product: Money transfer, virtual currency, or money service

My bank, PNC, encourages customers to use XXXX when making a purchase instead of a credit card. I did so one time and lost all my money to a 3rd party that was able to intercept my purchase. PNC transferred money out of my account to pay for this fraudulent transaction. I complained to the NJ XXXX XXXX XXXX  and they recommended me to a Federal agency. I lost {$340.00} and PNC 's attitude was just too bad. How is it possible these banks are pushing these services like XXXX and there is no accountability by the banks and no consumer protection at all. And when there is a problem, and there will be a problem, there is no mechanism to get your money refunded. The public needs to be warned not to use XXXX or similar services in lieu of a credit card exchange. Clearly XXXX is not a proven method of a financial transaction, and it is easy for a 3rd party to steel your money. Are these people smarter than the US Bankers? What makes it more infuriating when opening my account online they continue to push XXXX. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to pull up my business report from Experian and they are reporting incorrect information. Far as my business address and business name I tried to fix this problem but Experian will not update your business credit report unless you pay {$180.00} to update for them reporting incorrect information. My business legal name is XXXX XXXX XXXX DBA : XXXX & XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX location is XXXX XXXX XXXX XXXX va XXXX Experian has my business listed as XXXX XXXX XXXX XXXX XXXX XXXX  va
Product: Mortgage

first, you have to ask whether the mortgage is privately held or if it has been securitized, meaning, sold on XXXX XXXX .this mortgage has been sold or transferred from lender to lender. this mortgage is securitized, this means the note have been converted into stocks. investors buy the stocks mortgage back, or mortgage pass through securities or remic 's from the trust. the lender bank gets paid in full for the amount lent to me in my mortgage or deed usually at closing. the note is a documented and legally binding promise to pay, but in effect is an asset { negotiable instrument of value } that i own. the promise to pay, or promissory note is whats sold to an investment trust through securitization. this is what makes the mortgage note my property, not the banks.
Product: Debt collection

Hello, I am writing hoping I can get help getting this creditor off of my back. Portfolio Recovery Associates has purchased 2 of my debts. XXXX XXXX XXXX. These are items I defaulted on over 4 years ago when I was going through some hardships with both of my in-laws had XXXX XXXX. I did default on the debts at the time. I own up to it. Yet the issue is I live in Texas. There is the TEXAS House Bill 996 that took effect XXXX XX/XX/ 2019 and in Section 2 ( c ) it states - A debt buyer, or a debt collector may not, directly or indirectly, commence an action against or initiate arbitration with a consumer to collect a consumer debt later than the earlier of : ( 1 )  the fourth anniversary of the date of the consumers last activity on the consumer debt. Another statue is TEXAS CIVIL PRACTICE AND REMEDIES CODE [ Sec. 16.004 ] FOUR-YEAR LIMITATIONS PERIOD which states : a ) A person must bring suit on the following actions not later than four years after the day the cause of action accrues : 3.Debt The issue is I have contacted Portfolio Recovery Associates 3 times. First I was trying to obtain documents that showed when the last payment were made. They did not send it. Instead they sent paperwork showing the date they purchased the debts. I tried to obtain it from the original creditors but they said PRA owned it and I would have to get it from them. So, I obtain my old credit reports that show the last date I paid on the debt was over 4 years ago. I told PRA and they said it was not evidence proving they are in violation of the 4 year limitation under Texas law. 

These 2 marks on my credit is holding me back and could put my current job in jeopardy. I need to get these remove to improve my credit and ensure I do not lose my job over my score. I have no problem sending my credit info to show and prove I am in the right.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i sent in a personal information update letter to the XXXX major credit bureaus ( Experian, XXXX, XXXX ). My only Legal name is XXXX XXXX XXXX. My only Address is XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX. My only phone number is ( XXXX ) XXXX. I dont want to include my social, date of birth, or employers for privacy reasons.
Product: Student loan

I have been going thru a divorce case for the past 3 years and last year I had to start paying spousal support of XXXX per month. I stopped going to school and had one year of my XXXX left, but with all the XXXX and XXXX ca caused by the divorce I was not able to go forward. the fed loan serviceing office has been on my case since then and demands that I start making a payment, I exp explained to them that right now I cant make any payments, or if they can refer me to a place where I can work as a XXXX ( to qualify to have my loan forgiven ) I might still go back to school once every thing in my personal live settles down. 
I also owe money to the irs, since my spouse refused to file taxes with me jointly. I keep being bothered by the fed loan servicing department and they are not not trying to consider my situation. please help me. thanks. XXXX.
Product: Debt collection

XX/XX/2015 I have been receiving frequent or repeated calls from this unknown company ; the most recent number was area code XXXX. 
The first caller asked for XXXX XXXX and I mentioned to him that you have the wrong number and asked him please do n't call again. The second caller asked for XXXX XXXX and I told the female Representative that you have the wrong number and I was asked, " Do I know the this person? '' I also asked for the company not call again. Minutes later I called the same number back to explained about the first caller and wanted to know who or where I could make a formal complaint. It did not go well. Today I received a call from the number listed above and was asked to speak with XXXX and later asked " Do I know a XXXX XXXX? '' and that the conversation was being recorded. I just placed the phone on the bathroom sink and after a long pause it hung up. 
I felt that whenever I tell a caller that you have the wrong resident and the wrong phone number Why am I 'm being asked if I know this individual? The answer to it all is out right flat NO! 

It became clear to me this company intend to harass me XX/XX/2015 and I will not stand for this treatment. I need help and I am ready to suit. I expressed that I pay all my bills, getting upset will not help my current XXXX XXXX, I not hiding and I refuse to change my phone number that I owned for decade or more and that I was going to document these calls and report it to the State Attorney General, and now I want to add the XXXX. Can I please get some help about the callers asking for the wrong persons?
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I filed my taxes with XXXX based on their add for free filing and a refund advance. Upon filing I was told that my tax prep was actually not free and would cost {$110.00}. Upon approval of the tax refund advance loan I was forced to enroll in their XXXX Credit Karma debit card account to receive my advance and the rest of my tax refund. After I had received the card and activated I was then told that I will no longer be receiving the advance and that all of my refund will be deposited into this card account. Had they been upfront with fees I wouldn't have used them anyway. Now I am stuck with a card that is very difficult to use and that will have my refund deposited onto it. Not only did they charge me {$110.00} in fees when it was supposed to be free but they also forced me to use a product which they also own that I would not want otherwise. Not to mention they charge a fee of {$4.00} just to use the card.
Product: Checking or savings account

Hello, On XX/XX/2023 Wells Fargo bank notified me that they will be closing my personal and business accounts for no reason. Could not explain why they were closing my account. I've reached out to multiple bank locations and they all stated the same.
Product: Credit reporting or other personal consumer reports

On Wednesday, XX/XX/XXXX I checked my credit scoring and saw a new inquiry with XXXX, this caused my credit score to drop XXXX XXXX  Most important I did not apply for this, nor did I apply for anything in the last 6 months at least. I contacted Comenity Capital/Good about this credit card application on XX/XX/XXXX and was notified they had nothing connected to my SSN or name. I then filed an online dispute with XXXX which they responded was legitimate on XX/XX/XXXX. I then called Comenity Capital/Good back on XX/XX/XXXX. They notified me I had nothing with them, and they could not give me any documentation since I had no account with them. I then contacted XXXX and spoke with them via phone on XX/XX/XXXX who stated they could not remove without documentation from Comenity. Now I'm in a situation where an inquiry is on my report which I didn't do and have no way to clear it. 

Everything listed above was cleared up previously with help from the CFPB, with both XXXX and Comenity realizing the error, however for some reason the inquiry recently re-appeared recently in the last week ( XX/XX/XXXX ) or so. I called Comenity and the representative said it was clear on their end, however XXXX allowed this to reappear as 2 hard credit inquiries.
Product: Mortgage

My mother sold her home in  XXXX   XXXX . The home was located in  XXXX  NY,  XXXX . My mother owned the home free and clear of any debt at the time of the sale. During the title search it was found that there was line of credit for {$28000.00} taken out against the home in  XXXX . The line of credit was paid off sometime on the late  XXXX  's. My mother can not find a copy of a release letter, or statement indicating the line of credit was paid off. Due to outstanding line of credit on the title search, {$30000.00} was held in escrow ( by the attorney ) pending receipt of a lien release letter. The line of credit was initially taken out with  XXXX   XXXX   XXXX , which was ultimately acquired by HSBC Bank. I have tried numerous times contacting HSBC regarding this issue. I would estimate I have called th em 20-30 times  and emailed/mailed/faxed at least 10 times. I have also had an attorney call them several times and send at  least 2 or 3 letters . I do have extensive documentation and timelines that I can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Were it not for the colossal failure of data security at Equifax or its inexplicably legal business model of furnishing an enormous trove of personal information without consent, I would not have had to place a security freeze on my credit report in the first place. When I initially placed the freeze over a year ago, the process to unlock the freeze with Equifax was more straightforward. I was given a 10-digit pin that would allow me to lift the freeze should I ever be inclined to apply for credit.

Now Equifax has phased-out this old process in favor of a new product called Lock and Alert, which nullified the PIN I was originally given to lift the freeze. Instead, I was directed to take their ID quiz whose questions had nothing to do with any credit history, public record or tradeline I have ever held. To my amusement, I failed this quiz, because no option applied to me for any question it generated. I actually work for a credit card company in their fraud prevention department, which makes this all terribly ironic, but I've used a similar product with our own customers, and I feel this gives me special credence to say that this product is utter garbage. These ID quizzes frequently fail legitimate customers and perpetrators of fraud often pass, because they know how the questions are generated based on the info in the CBR. 

So the next step is a passcode letter, mailed to my address where I've lived for a couple years now. Upon receipt of the letter, I went back to the website and entered the code, only to be given a message that this request can not be processed at this time, and to call in. I did not call, as I do not wish to speak with some XXXX who will certainly be unable to help me. This is now a weeks-long saga of trying to create an account -- not even to lift the freeze at this time, just to have the ability to lift it if I need to. 

I'm not surprised that Equifax has made this process so difficult. They can provide all their talking points about keeping my information safe, but I know better. Their business model depends on selling access to reports and information to creditors. Security freezes put too much control back into the hands of consumers, so it's in Equifax 's interest to put up roadblocks to enroll in this account, especially given that it's free. It's not a subscription-based service like their overpriced, junk credit monitoring products that rely on scare tactics, and in reality do nothing to prevent credit applications from being instantly approved online. Instead, Equifax only stands to lose by allowing more control to consumers over access to their reports. A security freeze is the only true way to secure your information, but it runs afoul of their business. I think they know this all too well.