23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ive submitted a request for escrow analysis the beginning of XXXX on the online portal also gave an update on the new tax bill which has decreased from last year. Freedom mortgage replied back online and stated the request will be done by the XXXX of XXXX. I called freedom mortgage on the XXXX to get a status update and was told by a rep ( man ) it will be completed on the XXXX. Its now the XXXX of XXXX Ive called 4 times, spoke with reps, tax department, manager and they will place me on hold and hang up. When I finally was able to get another rep on the phone I was told they will try and see if the escrow analysis can be done now than she placed me on hold and hung up. The people that work with freedom mortgage only care about receiving payments anything outside of that becomes extremely difficult to get any kind of resolution l
Product: Money transfer, virtual currency, or money service

I sell items  on   XXXX   and  have a 100 % seller rating but paypal has already restricted my funds on three occasions do to fraudulent cases opened against me by fraudulent buyers instead of them helping with the process they just say it 's all automated and out of there control. This has cost me thousands of dollars in interest payments with my credit card companies.When I call they say I have been informed but they never actually contacted me.
Product: Student loan

On XX/XX/2024 my account was placed on an administrative forbearance by MOHELA to reverse my IDR application. The administrative forbearance was placed from XX/XX/XXXX to XX/XX/XXXX. I did make a qualifying payment for the month of XXXX however MOHELA states that the payment will not count due to my account being reviewed for my IDR plan recalculation.

There are three different forbearance that were placed on my account. For the month of XX/XX/2024 they placed an administrative forbearance, processing forbearance and then for the month of XX/XX/2024 they placed a general forbearance. 

I was notified by two different Mohela representatives that the XXXX forbearance period would count towards repayment since it is occurring during the transfer time period to US department of education. 
Additionally I was told that they are automatically reprocessing/ reversing IDR applications that are submitted prior to the extending IDR recertification period.
Product: Debt collection

Follow-up on Complaint # XXXX When speaking with XXXX on Friday I stated I was at work and unable to work and that I would call when I had a chance. He put pressure on me saying that he would only be in the office for another two hours. I am in a different time zone and work off hours. 

He has repeatedly call my work phone number and is harassing my staff. I do not want to be contacted on my work number. It is completely unprofessional.
Product: Credit card or prepaid card

On XX/XX/2019 two ( 2 ) payments were made and posted to my Citi credit card. One in the amount of {$2500.00}, and the other payment in the amount of {$200.00}. The {$2700.00} paid my credit card off. Once the card was paid off an offer came up to take a citi flex loan of {$9500.00}. The flex loan would be offered at a rate of 7.99 % and be paid in 34 payments. It clearly showed this on my XXXX statement. This then changed the following month. {$2500.00} was being charged 21.99 % and the remaining {$7000.00} was being charged at a rate of 7.99 %. The payment stated in the Citi Flex Loan was {$230.00} each month. Now I am paying approximately {$360.00} a month versus the {$230.00}. 

This account needs to be put on the Citi Flex loan that I signed and agreed to at 7.99 % and {$230.00} a month. 
Ive contacted Citi 3 times without resolve.
Product: Mortgage

Lender asked for explanation on various rent payments, deposits, business income etc. I provided every single detail as asked and I was still denied for an additional rent I pay when that lease expire on XX/XX/2023 and I offered to end that lease before this day and provide verification to have the mortgage approved. 

Underwriter was biased from the beginning with every single explanation I provided, asked for additional docs. 

Business income deposits and every single peace of asset is verifiable and notates solvency to cover mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts by this company that were opened in my name as the result of identity theft, I reported this to the XXXX XXXX onXXXX after I reviewed my free annual credit report and saw the accounts on my file. I filed a report case # XXXX with XXXX XXXX XXXX on XXXX regarding this theft and use of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX and many others by phone mail and online have disputed with Transunion. and as recent as XX/XX/XXXX I filed a CFPB complaint # XXXX. Informing Transunion of the constant errors on my report regarding a alleged public record which contains Docket # XXXX. 
SEE ORIGINAL DISPUTE.pdf Transunion have neglected to properly investigate. I have requested Method of Verification on numerous occasions and they Have failed to comply. 
( SEE METHOD OF VERIFICATON PDF ). 
They have failed to place the required notice of dispute. They have yet to provide me with the Name of the Furnisher. 
The alleged public record should only be allowed to be reported to my consumer file if Furnished or verified by the original creditor. Evidence A.pdf is a letter that was provided by the Deputy Clerk of the US Bankruptcy Court or ( Original Creditor ). Clearly states they DO NOT report directly to ANY Credit Bureau. 
Evidence B.pdf is a Tri-merge snapshot of my credit report public record section. Evidence B.pdf also displays inconsistent reporting. FCRA clearly states if the information is not 100 percent verifiable. It can't remain and must be immediately removed from a consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

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

XX/XX/XXXX I attempted to call XXXX ( XXXX ) XXXX-XXXX and recording said this number was no longer in service or disconnected. The address is XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX is the date the inquiry was made. 


XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I set up an temporary repayment plan with XXXX mortgage to bring my account current. I was instructed to pay by mortgage due 1st at the regular balance of XXXX and starting XX/XX/XXXX the payment I was behind would be spread out until XX/XX/2019 bringing my new payment to XXXX my servicer was changed to PHH mortgage. I was never notified the plan was canceled. PHH had the agreement plan from XXXX but told me I would have to wait for my payments to behind for 2 months in order to restart the plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX '' continues, still to report inaccurate information on all three major credit bureaus. I have disputed in which they never provided me with ANY requested proof of debt or VALIDATION METHODS. THIS IS AGAINST THE LAW. 

I also created an identity theft affidavit and submitted this in my recent complaint. The result was that they simply " updated '' the account on Experian, which was literally just the same information on the account as before. 

DELETE THIS FROM MY CREDIT REPORT BECAUSE IT IS FRAUD. I NEVER AUTHORIZED THIS ACCOUNT AT THE AGE OF XXXX. 

IT IS ALSO PAST XXXX  YEARS ON THE ACCOUNT, A CLEAR BREACH IN MY STATUTE OF LIMITATION RIGHTS. 

I WILL SUE IMMEDIATELY IF AFTER THIS COMPLAINT THE BUREAUS HAVE NOT DELETED THIS FROM MY REPORT.
Product: Vehicle loan or lease

XXXX XX/XX/2023 I applied for a car loan at XXXX XXXX of XXXX XXXX I have sent EXETER FINANCE LLC a letter with no response from them as well as no remedy. I gave them an asset backed security that is being traded on the primary and secondary market for the next 33 years with my signature as the collateral used, which according to their forms filed with the SEC and multiple prospectus an open ended unlimited credit should be granted and I shall not be denied. Since they have failed to comply I have been injured, humiliated, suffered emotional damage, pain and suffering and XXXX. Please help rectify this situation. Pursuant to their XXXX and prospectus reports my application has been securitized and traded to third parties and used as collateral. Yet I was denied a line of credit.15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. I need to be compensated for my time and all violations and injuries.15 U.S.C . 1681n Civil liability for willful noncompliance : states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 1 ) I was not able to receive vehicle ( 2 ) they added a derogatory mark to my credit dropping the score ( 3 ) They are making money off of a collateral backed security which I am receiving no proceeds or pleasure ( 4 ) I was humiliated twice, Once as I sat across the table from my long-time college friend having to catch an XXXX back home, And again as I got home and my oldest son ask me : What happened to the new car? I thought you were buying a car XXXX. ( 5 ) To go to the SEC website and read the promises they made about not selling on the secondary market and how they would uphold investor and consumers rights 15 U.S. Code 1681 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer a result of the failure or {$1000.00}, whichever is greater ; Unless credit be granted with all violations included you will pay the sum of XXXX XXXX XXXX  dollars in check form to XXXX XXXX ( Principal ) IF YOU FAIL TO COMPLY I WILL BE FORCED TO CONTACT THE FTC & SEC AND FILE AN OFFICIAL REPORT OF SECURITIES FRAUD AGAINST YOUR COMPANY & SUBSIDIARIES. 
ALL RIGHTS RESERVED DONE IN GOOD FAITH.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Equifax to notify them that previous attempts to have hard inquiries that were not authorized by me. I was told by XXXX they would be deleted. I was notified on the following day that they were verified as factual record of file access. They were not deleted as told to me on the XX/XX/XXXX and were updated as verified the following day. On XX/XX/XXXX I sent a letter to Equifax instructing them to remove these inquiries as they were not authorized by me and were n't related to any firm offer of credit, insurance, employment, or court order as the FCRA has put in place to protect consumers against actions that could be detrimental to their credit. This has in fact hurt my credit. On XX/XX/XXXX they placed that it was received and the XX/XX/XXXX they resent the same information " Inquiries are a factual record of file access. '' They are continuing to violate my rights as a consumer. Please investigate this for me and inform me of the results of the actions taken. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to address the inaccuracies on my credit report and incorrect personal information, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to TransUnion via USPS certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report and disputing incorrect personal information. These inaccuracies and incorrect personal details have adversely affected my financial standing and credibility.

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address.

I received a response back from TransUnion dated XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

In addition, On XX/XX/XXXX, I mailed a dispute letter again to TransUnion via USPS-certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report and disputing incorrect personal information. But despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated timeframe. I did not receive a response back from TransUnion with the investigation results.

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me.

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items and incorrect personal information on my credit report and to take necessary corrective action as per the FCRA guidelines.

I am including a copy of my dispute letter sent to TransUnion, USPS-certified mail proof of delivery, along with TransUnions response as proof.
Product: Debt collection

I have tried writing letters and calling but I have yet to get a response. This account should not be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I have been requesting by my right as a consumer after looking through my credit report that several accounts be verified under FCRA 611 ( a ) ( 1 ) ( A ) and Discover has failed each time to provide the credit bureaus with substantial PROOF that this account or entry on my consumer report is in fact accurate or mine. I know my right as a consumer and fully intend on pursuing litigation in the amount of {$1000.00} as stated in FCRA laws. If Discover cant provide me with physical documentation i expect for them to uphold my rights and update and delete this account from my report by contacting the bureaus in which they reported this inaccurate report. The account Appears on my report as : Discover BankXXXX XXXX
Product: Credit reporting or other personal consumer reports

Greetings. I am disputing a charge-off that is listed on my credit report. The account in question is with XXXX XXXX XXXX for a retail installment contract. Page 3 section 2 ( c ) acknowledges that the security interest that I gave to XXXX, secures all that I owed on the contract as well as other agreements in the contract. Instead of abiding by signed contract, XXXX repossessed the vehicle for non-payment and reported this information to credit bureaus. Additionally, XXXX and Transunion have refused to reflect that the account has been properly paid in full. Both have listed the account on the report as delinquent/collections, which is not correct. I have also contacted XXXX via phone and written correspondence, to limit the sharing of my personal information, including information about my credit worthiness, which is my right as a federally protected consumer. The representative at XXXX verified that my information would not be shared and yet the account still shows on my Transunion and XXXX reports. This same information was reported to the credit bureaus in oral and written correspondence and no changes have been made. I have taken all the necessary steps to clear up this issue and still experience undue hardships from the failures of the referenced companies. I have followed the procedures outlined in 12 CFR Part 1016 to insure that I am in compliance and well within my rights, however the companies ignore these regulations. 
Furthermore, XXXX 's Privacy notice clearly states that there will be sharing of information of my transactions, experiences, and information about my credit worthiness, but only with affiliates. The notice then defines affiliates as companies related by common ownership or control. They can be financial and nonfinancial companies. This privacy notice lists the companies deemed as affiliates and Transunion and XXXX are NOT affiliates of this credit union, by their own definition. I have included a copy of the retail sales contract verifying the full payment of the vehicle I purchased as well as the privacy notice provided by XXXX that confirms that I am not only well within my federal rights to limit the sharing of my personal information, including info about my credit worthiness, but also to highlight that even when I followed the directions that they have provided, I have still been denied my requests.
Product: Debt collection

Autovest L.L.C garnished my XXXX XXXX XXXX  account for XXXX they received a little over XXXX from a XXXX XXXXXXXX XXXX car that was repossessed in XXXX and sold. I never received the court date even though they claimed someone was served at an address I stayed at and signed for the court date. I believe it is still illegal they were able to garnish my account for such a high amount when the car was repossess and was nearly paid off when reposed.
Product: Consumer Loan

the loan amount is incorrect. it includes {$2600.00} of fraudulent charges
Product: Credit reporting or other personal consumer reports

I am writing to address a matter regarding the discharge of a debt associated with an account with TOYOTA MOTOR CREDIT CORP. In XXXX, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by myself and by TOYOTA MOTOR CREDIT CORP, following immediate processing and approval. Given the legal acknowledgment of this debt discharge, it is imperative that TOYOTA MOTOR CREDIT CORP takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. I hereby demand that TOYOTA MOTOR CREDIT CORP promptly rectify this situation by updating the account status. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from TOYOTA MOTOR CREDIT CORP to ensure compliance with legal obligations and the preservation of my financial standing.
Product: Credit card

I had opened this card and received a XXXX XXXX dollar credit on my account and they were to bill me for the remainder. I never received a bill for a payment and then on XXXX I received a letter ( not a bill ) that I was late on my payment. I immediately called and talked to an agent by the name of XXXX ID # XXXX. He took my information and checked and found that they had incorrect billing information. They had me as paperless billing which I did not request. That was also incorrect because they didnt have bank routing or a debit card. This resulted in me never getting a bill in the mail which XXXX verified was accurate. He removed the late charges and interest because it was their error. I have written them 5 letters explaining why they should take this bad report off my credit bureau records and they have sent me back form letters saying they stand by their late payment report. They refuse to acknowledge that it was their error in billing that caused the problem. My credit has gone from excellent to good. Im XXXX XXXX XXXX and Im going to get a new car lease and this will affect my payments. I pay all my bills on time and in full and yes it was late but Im not at fault. All I want is to restore my excellent credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Collection