23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It is absolutely frustrating and painful that after two and a half years of constant request of a work out plan, I get no resolution to benefit my family.

Just to familiarize you with my hardship : I am a single parent with XXXX children. It all began when in XXXX I requested a work out plan from Shell point.

I had lost my business after losing two major contracts and due to a fall disable for several months. This has been a horrific experience.

I immediately reach out to Shell Point servicing and explained my situation. It was then that I was told to prepare loan modification package and explain my hardship. I have provided over six packages to Shell point services and XXXX and XXXX attorneys for Shell point. I attended all settlement conferences in court. On XX/XX/XXXX at my conference appearance Shell point requested I provide a P & L. On XX/XX/XXXX I was advice of another conference scheduled for XX/XX/XXXX. 
All documents then were submitted. 
On XX/XX/XXXX I called XXXX XXXX XXXX 's office and confirmed documents were received.. 
It was on XX/XX/XXXX that I found out that Mr. XXXX XXXX was my point of contact .. Mr .XXXX was contacted again on XX/XX/XXXX requested the same documents. This went on and on. I have evidence that and feel that I was given the run around. I FEEL THEY NEVER ACTED IN GOOD FAITH. I HAVE NOW OBTAIN AN ATTORNEY IMMEDIATELY AFTER FOUND OUT MY HOME WS SOLD TO TH E BANK .I WAS IN THE MIDDLE OF A LOAN MODIFICATION PROVIDING UP DATED PAPER WORK, I AM PLEADING THAT THEY ALLOW ME TO KEEP MY HOME. I WANT MY HOME BACK PLEASE. I AM CONFIDENT that I am able to afford my home now. 
My monthly average income is {$50000.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. It has been over 30 days so they should be deleted promptly. I'm demanding that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have had a freeze on my credit report for years. On XX/XX/XXXX, TransUnion allowed the US Department of Agricultural ( USDA ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, phone XXXX ( which doesn't work ) to add inaccurate data to my frozen credit report. 

How is it possible with a credit freeze for a creditor to add inaccurate information to my credit report? The USDA states this is a loan. I have never had a loan with the USDA. The USDA has never sent me any correspondence about this alleged debt. However back in XXXX, I tried unsuccessfully to reach the USDA regarding this inaccurate information and to gleam or receive any type of communications about this alleged debt that may have been sent to me. As previously stated the USDA HAS NEVER SENT ME ANY COMMUNICATION, via US Postal, email, electronically nothing ever. 

My residence and phone number have been the same for more than XXXX ; how can the US Government allege a debt and never send any communications regarding said debt? It has been more than XXXX years and I still have no communication regarding this alleged debt. Why does my TransUnion report show a credit score of XXXX and yet the bank shows XXXX, which is a difference of XXXX points? Please explain how this can be accurate. 

TransUnion violated my rights of protection by allowing access to my frozen credit report and allowing inaccurate information to be placed on my credit report. I am requesting all paperwork from the USDA for this alleged loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX, Experian, and XXXX have failed to address inaccuracies on my credit report, despite my repeated dispute attempts. The incorrect information continues to be reported, which has negatively impacted my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is being reported on my credit file beyond the legally permitted time frame, which should have been excluded.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have not conducted a reasonable re-investigation of my disputes or provided sufficient evidence to validate the accuracy of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure that the information on my credit report is accurate and complete, resulting in continued errors even after my disputes. 

I urge the CFPB to investigate this matter and enforce compliance with the FCRA to ensure the inaccuracies are corrected and these violations are addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The accounts in question are as follows : 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Here 's the documentation you requested. As I stated this was a home equity loan -- not thru XXXX but rather it was transferred to XXXX XXXX XXXX from XXXX They put me in collections with Realtime without contacting me or sending any correspondence of any kind letting me know that the Loan Servicing was being transferred. I made settlement payment to criminals at Realtime -- who promised that they would delete ALL Late Payments from my credit report in exchange for our agreed-upon Settlement Terms. 
XXXX Last Active XXXX XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : THIS IS AN ACCOUNT IN GOOD STANDING XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : ACCOUNT/PAID SATISFACTORILY XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : PAID ACCOUNT. XXXX BALANCE Opened XXXX Reported XXXX High Balance XXXX Reviewed 68 mo XXXX Past Due Payment Paid Balance Status REALTIME XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX : SETTLED ACCOUNT XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : HOME EQUITY LOAN Opened XXXX Reported XXXX High Balance XXXX Reviewed XXXX mo XXXX Past Due Payment Paid Balance Status REAL TIME RESOLUTIONS XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX XXXX XXXX XXXX XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX
Product: Bank account or service

I have an account with Wellsfargo and I was charged an overdraft fee of {$35.00}. 
First all of my bank accounts have a savings connected to it for overdraft protection, which the representative claims was not active. I check my balance DAILY and on the XXXX, XXXX and XXXX I did not show a negative balance of any. 
Suddenly XXXX XXXX I get an email stating I am being charged {$35.00} for an overdraft fee. As I am going through the postings.. .transaction that showed pending XXXX the XXXX were suddenly showing posted as of XXXX the XXXX. I want this overdraft reversed as it is completely wrongly charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem 1 : XXXX  XX/XX/2020 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 
I made the payment XX/XX/2020 I have bank statements for accuracy in my dispute. 
The outcome that I am demanding is to update my account with removing the 30 day late payment. 

My payment due date is on the XXXX I was 28 days late not 30 days! 

I been dealing with this for over 3 years I just want this to accurately to report! That is all I been treated so unfairly. This is not my first complaint about this please fix this.
Product: Credit reporting or other personal consumer reports

As a Veteran, I applied for a new VA mortgage with legitimate lending providers including XXXX XXXXXXXX XXXX and XXXX. Immediately following these institutions running my XXXX XXXX I have been bombarded with predatory loan providers who clearly have all my information trying to sell me their mortgage. None leave messages and keep calling, I find it harassing and I believe it should be illegal for credit report agencies to violate my privacy by providing my information to lenders other than the institutions I authorized. If you ask me, the very agency that is supposed to protect my credit information, and protect my identity is the very source of potential identity fraud with these kinds of practices. When I contacted my financial institutions about what is happening I was told this is the practice of XXXX. After discovering these kinds of practices, I would never do business with XXXX, but that choice is stripped away from me with the current financial systems in the U.S. that force me to use a company that allows predatory lenders access to my information unless I first contact them or have a freeze placed on my account, but to get my mortgage I can't have a freeze. I have contacted XXXX about their practices and requested that they do not share my information with unsolicited lenders but this has not stopped the calls from the numerous agencies that they already contacted with my information. It should, in my opinion, be illegal for anyone, bank or otherwise, to be notified when I apply for a loan, or credit card, or anything, besides the companies I am directly working with. Anything else is a violation of my privacy and proves these credit monitoring companies are unethical and do not know the meaning of confidentiality. Additionally, they are encouraging and enabling predatory practices that are violating and hurting U.S. consumers. How will you protect my privacy? How will you protect me from these predatory agencies trying to take advantage of veterans and citizens?
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reached out to XXXX and have been filing dispute since then. I have sent in every documentation that they have request from me. I sent in a FTC report informing them that they are reporting fraud on my consumer file. They stated that the U.S. Bankruptcy XXXX verify that the bankruptcy is reporting accurate on my file. I went to the court house and obtained a letter from the U.S. Bankruptcy XXXX which stated that they don't report bankruptcy. I have contacted LexisNexis which is stated on XXXX website is their XXXX party vendor. LexisNexis ensure me it's no bankruptcy reporting on my file because it was removed due to fraud. This bankruptcy has been removed from XXXX and XXXX. I have filed over XXXX dispute with XXXX each time the come back as verified. I have contacted LexisNexis and had them file a manual dispute several times and each time XXXX is coming back less then XXXX  days stated that it is verified as accurate.The federal fair credit reporting act promotes accuracy, fairness, and privacy of information in the consumer reporting agencies. Consumer reporting agencies must correct or delete incomplete or inaccurate information. XXXX has failed to abide by the rules and the laws set in place for consumers. I have been fighting with XXXX for XXXX years to remove this inaccurate. I have send in all the documents that they have requested. I really need help! I am trying to purchase a home and this is hurting me. My next step I will be filing a statement of claim if I can't get this resolved with them.
Product: Money transfer, virtual currency, or money service

Hi, I created an account with Paypal.com almost 15 years ago ( in XXXX ). Since my name can reveal my race ( I'm XXXX ), I used a different name than my real name to hide my race. This was because I thought in general you don't have to reveal your race to anybody. Paypal.com let me create my account which is linked to my bank account and credit card. They let me use it to pay merchants, receive money and withdraw my fund, all under my make-up name. 

This was going fine until XX/XX/XXXX when I sent to my sister US {$5000.00} through the account. Paypal.com then froze my account and has not since let me access my fund of over US {$5500.00}. Now they asked me to provide legal documents to prove my identity ( Paypal.com case id XXXX ). I have complied to their request and provided ( by uploading through their website ) all requested copies of legal documents including my photo driver 's license, utility bill, bank statement, passport, etc., showing my real name, address, bank account information, etc. To this day, they have not let me use my fund from the account. 

I feel like I have been cheated and robbed my money by their system by letting me put my money in the account and then freezing it indefinitely even after I have proved my identity to them. 

Please help me get access to my fund in my Paypal account. Please let me know if you need more information. 

Thank you so much in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$82.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$940.00} XXXX XXXX   XXXX {$800.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX {$3900.00}
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. THE FOLLOWING ACCOUNTS ARE INACCURATE, UNVERIFIABLE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


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 or other personal consumer reports

I have reached out to XXXX XXXX requesting a document/ contract bearing my signature between the creditor and stating that I am legally obligated to pay XXXX XXXX for any unpaid debt to XXXX XXXX. Please see attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/, XX/XX/, ONEMAIN FINANCIAL add a hard inquiry on my credit reports. 
On XX/XX/2020, XX/XX/2020, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

On XX/XX/year> I received a pre-approval letter from American Pacific Mortgage of XXXX to purchase a home. I put on an offer on that same day and it was accepted. We began escrow on XX/XX/year>. I paid for an Inspection on XX/XX/year>, XXXX. Everything was fine, I had a XXXX meeting on XX/XX/2024 wherein XXXX XXXX stated my loan has gone through underwriting and I will be signing the loan documents soon since my loan is approved. On XX/XX/year> I paid XXXX for an appraisal. On XX/XX/XXXX, I signed an amendment of existing agreement terms adjusting the purchase price. On Friday XX/XX/XXXX, at XXXX XXXX XXXX called and said I could not get the loan because FHA couldn't insure my loan.
Product: Credit reporting or other personal consumer reports

I have mailed this to JP Morgan Chase and now I am telling CFPB. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. JP Morgan Chase ( here in called JPMCB ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. JPMCB the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to JPMCB, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I cant understand how they got there. I regularly check my credit report, and everything was fine before. This time, though, there were discrepancies that seemed to appear out of nowhere. I even refreshed my browser, hoping it might just be a glitch, but nothing changed. The inaccuracies remained, leaving me confused and desperate for answers. Im pleading for a thorough review of the documents Ive submitted so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my credit report and saw an unknown issue. It appears to me that XXXX XXXX XXXX, a company we rented a cello for my daughter from a few years ago, has been charging me for cello rental even though the cello was returned in XX/XX/2016 and I have not once received a bill or been contacted regarding this since the cello was returned. Clearly, they sold this made up debt to a collection agency who has also never contacted me, yet it’s on my credit report as delinquent since XX/XX/2016. The response from Experian has just been a photo of the months of the year with red dots indicating that I didn’t pay. I have not been able to reach anyone there as when i call I’m on eternal hold and eventually disconnected. The cello was picked up from XXXX XXXX XXXX XXXX from the receptionist. I will attach her email confirmation with me.