23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I assumed this loan after a divorce. NO ONE disclosed that I would no longer have access to my online account. There was an issue with the escrow and my escrow account was in a negative balance at the time of closing. I have been waiting on a refund check from a home owners insurance policy and I can't access any of my information. I received emails to sign up for paperless statements although I was informed by three different freedom mortgage representatives that anyone who assumes a loan will no longer have online access to their accounts. Freedom Mortgage is the WORST company I have ever worked with and I have purchased and sold several homes. I would not recommend this company to ANYONE.
Product: Credit reporting or other personal consumer reports

TransUnion 's website is a complete mess and needs to be fixed. People need help and they can not handle the traffic of people trying to freeze their accounts
Product: Credit reporting or other personal consumer reports

XXXX This is my TransUnion file number from my last complaint, which you state in my first complaint file " might take 15 days. '' It seems TransUnion has not responded nor to you or me, nor has attempted to repair all the problems and therefore, does not understand their grave responsibility to report correct, verified and permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604! They have not attempted to fix ALL of my information per the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' TransUnion is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states, " It is the policy of 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. '' TransUnion removed accounts that I did not ask them to remove, but to show that I was in good standing. Now they're not even there or they're incorrect. 

Fixing the easier things like the misspelling of my name, I have only 1 name, XXXX XXXX and none of the others, which have already been disputed by me over the phone with them, and then with you in my last complaint. Also, my multiple addresses that aren't mine as they are un-mailable or addresses I never had as I only have one address!!! 
Finally an account that I NEVER had that is still on the report. It's not my account never was my card, but there was Identity Theft because someone USED MY CREDIT to GET A CARD and it wasn't me! Finally I am opting out of your reporting services per 12 CFR 1016.7!
Product: Money transfer, virtual currency, or money service

Back in XXXX I began using a crypto currency exchange called Poloniex. I put in over {$1500.00} in and watched it grow up to $ XXXX in XXXX. Some time passes and I log back into my account in XXXX and noticed my money was gone. The exchange force sold my crypto position, without my permission, at the price of {$1600.00} and said they sent my money to the state of Delaware even though I am from Massachusetts. I have been in contact with the state of Delaware 's office of unclaimed money for years now and they continue to tell me they do not have it. I have been patient and been asking for help. At this point I suspect unlawful actions and need expert help in getting my money back.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

For the XXXX payment XXXX. They claim they informed us the auto payment no longer applies. The new payment will include the discounted rate of .025 % due to not being on auto payment. 

I never received the email or a letter from goodleap stating this. 

Goodleap attorneys stated the auto payment was corrected for people in arbitration. The auto payment would work. No mention of the .25 % discount. 

I contacted goodleap. They put me through to a supervisor. Who stated the regular customer line could fix the issue. Regular customer service stated they could not. 

We are being penalized for using their contract arbitration clause. They increased our payment from XXXX to XXXX. And refuse to correct the problem for the XXXX payment and any further payments. Causing the loan to increase over its life time nearly XXXX I had not been late on any payments from XXXX to XX/XX/XXXX when they arbitrarily cancelled auto payment. 

It is not right for goodleap to cancel auto payments because we are paying in good faith until arbitration is complete.
Product: Debt collection

I received a voicemail on XX/XX/23 from KP Asset Consulting about a debt owed. I believe they are looking for a XXXX XXXX, but I honestly couldn't understand that part of the voicemail. Location Specialist XXXX XXXX said they are looking into a pending claim and that the filing would become public soon. He said they are coming both to my home and my job 's payroll department ( he said that twice in this voicemail ) and that I needed to produce 2 valid forms of identification. He ended his message with, " See you soon. '' The number left for KP Asset Consulting was ( XXXX ) XXXX. 

On XX/XX/23 I received another voicemail from Location Specialist XXXX XXXX who said they would be at my home and job in an hour. He left the same phone number for KP Asset Consulting and ended the message with, " If I don't hear from the filing party right away, I will be seeing YOU. '' On XX/XX/23 I called KP Asset Consulting and told them I've received 2 voicemails from them. They were unable to find my name in their system and hung up on me when I told them that they were welcome to come to my job ... at the XXXX XXXX XXXX XXXX. They have called me before although I deleted those voicemails. I hope they stop calling my work cell phone now!
Product: Credit reporting, credit repair services, or other personal consumer reports

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? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my SiGNATURE on it ) and 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 removed immediately. 

Account Number XXXX Thank You,
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/2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 

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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Mortgage

My home was flooded last XXXX 2016. I contacted my mortgage company - GMFS - and asked if I could get a deferment on my loan payment. They told me that they would give me 3 months ( XXXX, XXXX, XXXX ) where I would not have to make a payment and my next payment would be due on XXXX/XXXX/2016. They said that those 3 months would be tacked to the end of my mortgage. I received a letter from GMFS recently where they stated that I owe them payments for XXXX, XXXX, and XXXX 2016 plus my payment for XXXX 2016 totaling {$4900.00} and that this payment was due now. They threatened foreclosure so I paid the amount they asked for. I believe this to be wrong on their part but I paid the money to keep my home. If they had told me this up front I would have just continued to make my regular payments. I truly believe they lied to me or that their company representatives are grossly incompetent.
Product: Student loan

About a month ago I noticed my credit score went from XXXX to XXXX and I thought my student loans were in forbearance. So I decided to call Navient in XX/XX/XXXX to get it settled because I 'm going to be getting married next year and I do not want to start my marriage with bad credit. They told me that I was n't eligible for a forbearance and that I was past due of 90 days which is the reason my credit score dropped. They told me unfortunately they can not fix my credit from dropping but if I started  paying it should increase after a few months. I could n't argue I guess that 's how it works but then they said they contacted me and gave me a number which happened to be my fathers number and pretty much took my contact information for the first time which is unprofessional and really a game changer in what we call LIFE. If I knew about not being in forbearance I would of paid a fixed amount to prevent my credit score from being ruined ... .So after we spoke I mentioned that I wanted to start making payments XX/XX/XXXX to get things rolling. A few days before my payment, I called to reschedule my payment for XX/XX/XXXX because I realized I would not have my payment in full until XX/XX/XXXX. I went online to set up an automatic payment to split my two loans in a fix amount. {$150.00} for a small loan and {$600.00} for my bigger loan. The crooks put my {$750.00} in the small loan and mentioned I have an outstanding payment of {$600.00} and it will be added to next month, which would bring my payment to {$1500.00} instead of {$750.00}. It 's ridiculous I have to check my account twice a week to see these small changes done that continues to accrue more interest towards my loans and makes it impossible to afford them. My credit is ruined! I just want my loans to be properly set as they were and what I agreed on to fix my credit score, that 's all. Navient manipulates you to believe everything is ok and screws you over if you 're not paying attention. They gave me a sorry excuse, I should n't have to pay for their unprofessional way of manipulation and false accusation of contacting me. Something needs to be done!
Product: Credit reporting or other personal consumer reports

These inquiries are not authorized. 
XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX is reporting a Bankruptcy on my credit report as the U.S. Bankruptcy Court XXXX XXXX of Texas ( XXXX ), which is false. I have attached the letter from the U.S. Bankruptcy XXXX XXXX XXXX of Texas, verifying and stating that they do not report to any information to any credit reporting agencies nor do they verify any information on anyone who has filed any type of Bankruptcy through their courts. 
TransUnion and XXXX are falsely stating this information on my credit report and has yet to remove this from my personal credit report.
Product: Prepaid card

The merchant sent a refund back to the card and the funds still have not hit. I have the trace number from the merchant. They sent the funds 2 months ago.
Product: Credit reporting or other personal consumer reports

Collection Agency Name : Open XXXX  Agency Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncy Name : XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Agency XXXX : XXXX, Collection Agency XXXX : XXXX XXXX In accordance with 15 USC 1692g, I XXXX XXXX XXXX, a XXXX XXXX am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " XXXX XXXX XXXX  XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone opened up XXXX accounts under my name at XXXX Georgia and I never lived there. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : 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/ Equifax
Product: Credit reporting

I have been requesting verification of the following account that Experian continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE
Product: Student loan

Back in XXXX, I was talked into a very expensive education loan XXXX. At the time the job I had was going to end and their was really no jobs XXXX available because of the economic conditions. As I went through the training I realized I would never get a job in this field because #! I did not have any experience in the XXXX field and on top of that there were literally thousands of people being talked into these training programs because of the poor economy and fear they needed to retrain so they could get a job. The initial loan was {$15000.00}. I have been paying on it since XXXX and the balance is still over {$12000.00}. It is not scheduled to end until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains 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 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. XXXX is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 I visited a pumpkin patch with my XXXX XXXX. The merchant was to charge my card {$73.00} only once. The merchant stated their payment terminal was not working and ran my card 3 times. I opened a claim with Barclays for the 2 unauthorized transactions, however the case was closed as the merchant provided 2 signed receipts. I did not sign any receipts ( merchant forged signature ). Still, Barclays is denying claim. Barclays is not protecting the consumer as per Regulation E.
Product: Credit reporting or other personal consumer reports

Ive started looking into my credit as of late and taking steps to become not aware of whats on it. This is my first time doing so as Ive never really cared for credit before. Since XXXX Ive been trying to get unauthorized and/fraudulent accounts and information being furnished on my credit reports whether its inaccurate personal information or an account I dont recognize from XXXX  XXXX and XXXX to the credit agencies. After multiple phone calls, letters, research this inaccurate/fraudulent data remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the mortgage acct XXXX  that was a XXXX  loan at XX/XX/XXXX open that was transfer over to XXXX XXXX / XXXX who change it to acct # toXXXX XXXX we had two mortgages on the property we refinance in XX/XX/XXXX combining both mortgages now there is only one mortgage on the house being service by XXXX XXXX so XXXX  should be mark close paid in full not open and good standing the other two credit bureaus are reporting correctly I have tried to contact Experian about this an could not get through XXXXand XXXX  is the same loan we refinance XXXX loan # s XXXX and XXXX to one loan thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was released in multiple data breach including my bank at XXXX XXXX and XXXX. I have filed identity theft multiple time including in the new breach notice I have seen. I had to file a police report months back due to my identity being used ( XXXX ) According to 605B of the Fair Credit Reporting Act ( FCRA ) I would like all negative marks and inquiries on my account to be removed.