23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the revolving utilization reported on my consumer credit report. 

Upon reviewing my credit report, I noticed that the revolving utilization being reported is incorrect and way off. This inaccuracy has caused significant harm to my financial life, including but not limited to affecting my credit score and hindering my ability to secure necessary financial products. This misreporting has placed an undue burden on me, as it does not accurately reflect my actual credit usage and financial behavior. 

Please find enclosed documentation that supports my claim, including account statements and other relevant information that accurately reflect my revolving balances and credit limits. XXXX  XXXX XXXX Credit card is 11 % revolving usage. XXXX credit card is 0 % revolving usage and XXXX credit card is 0 % revolving usage. I have only three revolving open credit cards. 

I respectfully request that you investigate this matter promptly and correct the inaccurate information in my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information in my credit report is accurate and complete. Therefore, I ask that you update my revolving utilization to accurately reflect my credit usage. 

Please notify me in writing of the results of your investigation. I request that you provide me with an updated copy of my credit report showing the corrected information. 

Thank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home XX/XX/2018. It was a conventional sale. The payoff letter sent to the title company by the USDA stated the total payoff amount was {$100.00}, XXXX as of XX/XX/2018. There is no mention of a " short sale ''. The USDA reported this account as delinquent until XX/XX/2018.  Additionally, it is listed as " settled for less than owed ''. This is not the case. All documents show the amount was paid in full, the title company even sent me the verification that the USDA received the cashier check for the full amount on XX/XX/2018. I am now unable to purchase a home. XX/XX/XXXX fixed the date of the sale, but not the fact that it was not a short sale. I have now disputed this account with all documents present three times. When I spoke to the USDA and offered to send my documents directly from the title company, I was told they would not accept any documents from me, they report everything correctly, and they would not be changing anything. I will not be calling them again, as I was spoken to very rudely and was not listened to at all, just dismissed. This needs to be fixed. I paid my debt, and the house was in my dead husband 's name anyway but is on my credit report. I just want it fixed so I can purchase a home. At this point, the negative improper reporting is ruining my life. I can not purchase a car or home with this on my record incorrectly. The USDA did not tell the title company I didn't pay it in full, in fact, the estate received a check for {$9200.00} at close. Clearly, this was not a " short sale '' nor did I ever owe them a penny more. Oddly, the USDA didn't even send the title company a receipt for SEVEN MONTHS, but the certified mail proves they got it! Unacceptable. I hope others aren't experiencing this! This is not MY FAULT. I paid. I want this fixed as soon as possible please.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX is writing you to complaint about my identity theft. 
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ), 16 C.F.R. XXXX, TRANSUNION, AND XXXX USES FOREIGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!! I have not supplied proof under the doctrine of estoppel by silence, Engelhard V. graven ( Mo ) 281 SW 715,719. I presume that no proof of the alleged debt, in fact therefore exist. Per the fair credit reporting Act, Section 611 ( a ) ( 5 ), you have 30days to investigate disputes. If you can not verify the information within 30-day time period, you must delete all the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Violations of 15 USC 6508 15 USC 6802 15 USC 6805 15 USC 1681B The reporting of late payments. Violation of the Privacy act of 1974 The Education and Privacy act of 1974 UNAUTHORIZED INQUIRES ON TRANSUNION, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed incorrect and false information on my credit report. please see attached Ftc report that was filled to remove false wrong information from my credit report as I have also been compromised due to the Equifax data breach. pLEASE remove the public record accounts immediately.
Product: Credit reporting or other personal consumer reports

Ive noticed inquiries on my credit report and Ive contacted them and sent them letters for verification of the inquiries and they never responded because Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Since I received notification regarding my account on your platform www.coinbase.com and the Coinbase app will be limited to sending funds only as of XX/XX/, because they are disabling the access to accounts that no longer meet your updated standards for these services. Also they advised me that this is a temporary measure and you may soon open up the option for you to meet KYC requirements that would allow us to access our products and services again. However, their platform presents problems in complying with this request. I only was able to update my ID on the platform by uploading my national identity document ( XXXX ), but not my address despite a huge amount of attempts, uploading the different document alternatives that they mention on your platform, I am always rejected by the platform authentification process. My account does not have a lot of money ( XXXX dolars ) but I do not want to lose it because Coinbase are unilaterally determining this because you are not generating adequate means to comply with KYC requirements. 
The case number give me for the support team of Coinbase ( XXXX # XXXX ). Today I received a reminder to enter new information to avoid account closure on XX/XX/XXXX. I need a definitive solution to the platform problem. 
They inform me that if I do not do so before XXXX, my account will be cancelled and I will lose my money. 
I feel that the platform is failing on purpose and thus harming small foreign investors. They excuse themselves because of the regulations that have been imposed on them in the XXXX. Since XXXX I have not been able to sell the XXXX fraction I have and the price has not stopped falling, losing resources from the little savings I make from my work. I feel that they are taking advantage of me for having invested from XXXX in their platform. To date I can not make sales or transfers because I have not validated documentation, which is impossible to do because of the failures of the page and Coinbase application.
Product: Mortgage

In XXXX we purchased four lots of land cash, with the intent to have a house put on it. On XX/XX/XXXX we took out a loan using the land as collateral to make some improvement to the land. On XX/XX/XXXX, I obtained a loan to purchase a manufactured home. Me and my wife fell on hard times in XXXX. On XX/XX/XXXX I tried to do a loan modification through the XXXX program, and it was denied due to it being a manufactured home. Because of this we had to file for bankruptcy, during the meeting with the creditors 21 Mortgage would not come to an agreement with us and we have been trying to work out an agreement but have been unsuccessful. I have tried several avenues to work with 21st Mortgage but they have rejected each one. As of XX/XX/XXXX our home has been reclassified as a residential home and therefore should qualified for the loan modification. On XX/XX/XXXX my husbands attorney XXXX XXXX sent XXXX a letter giving them authorization to communicate with 21 Mortgage on his behalf, which I have enclosed. XXXX tried to contact 21 Mortgage to do a loan modification and they declined, stating the house and land was in foreclosure and could not be stopped. On XX/XX/XXXX @ XXXX XXXX tried contacting them again after my bankruptcy was filed, to request them to reopen the case for further review into a loan modification and they declined, stating they would not reopen the file without court order. XXXX has advised us to file a complaint with the Consumer Financial Protection Bureau, because 21 Mortgage is not acting within the law. 

On XX/XX/XXXX, I requested my bankruptcy attorney get a payoff amount, and he was unable to do so. I received a letter on XX/XX/XXXX informing me the house and land was in foreclosure, which only gave me 28 days to act. I contacted their Attorney for the payoff amount for the land only and they said I have to pay for both the land and the house, and this was my only option. Now, the original loan obtained from XXXX XXXX was for the land only in my wife, XXXX XXXX 's name, and my name XXXX XXXX as a co-signer. This current loan through 21 Mortgage does not have my wife 's name on it at all, according to the mortgage statements and the account managers at 21 Mortgage it is in my name only. According to my Attorney both loans have been combined, my wife 's name has been removed and there is nothing I can do about it. This has been a horrible experience for me and my family and I am trying to save my home, my land or both. Thanks for your help!
Product: Credit card or prepaid card

On XX/XX/2018 I ordered items from XXXX totaling {$1100.00} The items were scheduled to arrive by XX/XX/2018. 

They never appeared. 

On XX/XX/XXXX, I called both XXXX and Comenity bank to inform them my package never arrived. 

Comenity created a Disputed Transaction. 

On XX/XX/XXXX, after much back and forth, Comenity said because a XXXX slip shows as Delivered to my doorstep, that counts as delivery to the obligor. They suggested I follow-up with XXXX. 

On XX/XX/XXXX, I called XXXX who said they would issue a refund. 
On XX/XX/XXXX, I also mailed a letter to Comenity asking : " Why is your opinion that delivery to my house meets the legal qualification of delivered to the obligor? Specifically, can you point to case law or amendments showing an obligors house qualifies as a valid delivery? '' Comenity never responded to my question.

Comenity also never followed up with XXXX to find the status of the refund.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed or marked paid for less I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency XXXX XXXX has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681.

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

* 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e ) 6 Violations in total
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account name : XXXX XXXX  Date : XX/XX/XXXX, Account name : XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX Date : XX/XX/XXXX, Account Name XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX Date : XX/XX/XXXX, Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Account name : XXXX  XXXX Bankruptcy XXXX Date:10/10/2013. 

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, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act XXXX U.S.C 1692 XXXX Account # XXXX and # XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Checking or savings account

Starting XX/XX/2022, 3 fraudulent charges occurred on my Ally Bank debit card. The first was charged, the second and third were declined by Ally bank. My debit card was in my possession the entire time, and no other person than me had access to it. I did not authorize any of these transactions. My password, PIN, and associated email address and phone number are all secure to my knowledge. 

Fraudulent Charges XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The second and third charge were declined, and I was sent a text message from what claimed to be an Ally bank source alerting me of potentially fraudulent activity and to decline or allow it. I declined and Ally initiated a phone call with their 'fraud services. ' They never answered the phone, and hung up after a period of holding. Calling the line back several times, I had the same result each time. After researching online, this fraud is widespread to anyone with a debit card at Ally bank, and wait times for the phone lines are extremely long with no resolutions in sight anyways. I have locked my card, disputed the first transaction which was charged, and will wait for a proper response from the company. The bank so far has not responded to my dispute with the first charge, and has not made any official statement about this widespread fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. 
Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX 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 XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 

Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Product: Mortgage

I have 2 primary complaints. 

First, received a letter from my mortgage servicer, Freedom Mortgage stating that my payment was going to be increasing by {$300.00} per month because of an escrow shortage. This was a significant increase so I began working with Freedom in order to determine what caused the issue. After several weeks it was determined that my account was set up incorrectly after I refinanced. The escrow account had 2 errors, insurance was omitted and the taxes were incorrectly applied from an outdated tax bill. This led to a significant gap that was not discovered until I received my annual escrow analysis. Freedom offered to credit my escrow for the full amount of the insurance because it was an error by the account set up process. I asked that they also research how the tax account was so inaccurate because they had received an updated copy of the tax bill the previous year. I still have not received an answer as to how this occurred. I have spent hours trying to resolve this with Freedom but they are exceptionally hard to work with. I am able to afford the increased payment but I believe these sorts of systemic errors will disproportionately impact low income borrowers as they may not be able to afford such a significant increase in monthly payments. 

The second complaint involves the refinance marketing process. After I refinanced the first time I continued to receive marketing calls to refinance again. I requested 3 times to be added to the do not call list which was finally completed. Despite not wanting to continue to receive information, Freedom requires that you move through a phone tree on the customer service line in which they try to push you to refinance again. They also direct customer service representatives to try and sell the program as well. Customers should not be required to constantly opt out of product marketing in order to get basic customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed this account validity with CFPB debt collection agency agreed to remove account from collection reporting it was removed from XXXX and XXXX but has not removed from transunion I have submitted a Disputed with them and refuse to remove it this is illegal and going against my consumer rights please delete immediately I have attached photos of the collection agency agreeing to remove and how transunion is still reporting.
Product: Mortgage

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Malicious Reporting on Mortgage Loan Account Veterans United Home Loans ( VUHL ) continue to report harmful and malicious information on my Mortgage Loan Account. VUHL has refused to remove a Payment Reversal entry from my account claiming that their manager XXXX XXXX verified that there were Insufficient Funds in my XXXX XXXX  account on XX/XX/2020 when I authorized a mortgage payment of {$1400.00} to be deducted from my bank account. 

Moreover, when providing VUHL a copy of written verification or a Letter dated XX/XX/2020 and issued by XXXX XXXX, XXXX Branch Banker, that clearly stated there were sufficient funds in my XXXX XXXX  account on XX/XX/2020 to cover the payment for VUHL. XXXX XXXX, Manager at VUHL and all others : XXXX XXXX and XXXX XXXX continue to distort the truth of this matter. 

Asserting my Rights under RESPA laws, I requested via Qualified Written Request on XX/XX/2020 the name of the Attorney who was in receipt of my Demand Letter dated XX/XX/2020 which I mailed to the address provided me by XXXX XXXX for the Legal Department for Veterans United Home Loans. After getting no response, I sent via email, a copy of the Demand Letter to XXXX XXXX, Manager for VUHL, who falsified information already : " claiming insufficient funds '' in my XXXX XXXX account was the reason for the Payment Reversal being placed in my mortgage file. Rather than provide me, XXXX XXXX. XXXX, with the name of a barred attorney that received my Demand Letter, XXXX XXXX, sends Certified Letters with the address of : XXXX XXXX  XXXX XXXX, XXXX, MO XXXX. This address is merely the address for Mortgage Research Center , LLC, d/b/a Veterans United Home Loans.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL starting in 2001. They stated they were fully accredited and a high ranking school. After my first attempt at completing my XXXX degree, they changed the curriculum and made me take more courses stating the ones I had taken were no longer worth as many credit hours. I did so for a half a semester but could not afford the $ XXXX-month payments on top of my student loans so I was forced to leave school. I have since tried to get my official transcripts for the time I attended several times with no results. Now I find that they are no longer in business and have had multiple lawsuits against them as being a scam of a school. Now Naviant is after me to repay all the student loans on classes that were not beneficial to any career path. I would appreciate some guidance on how to proceed on getting these loans dropped due to misrepresentation of the school and the worthlessness of the class I was asked to take by a nonqulified teaching staff. Thank You in advance!