23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was logged out of my Robinhood account around XX/XX/year> and have since found from BBB that this has happened to other customers.A hacker was able to get in and play around with/trade from my accounts which left me with a deficit.Robinhood refuses to be accountable and says it was my fault.I changed my password and other information but still have not been able to secure my funds that were available in my account. 

This is the repeated message received Robinhood logo Your account is no longer restricted XXXX XXXX, Good news : we lifted the restriction on your account. That means you can now transfer money and open new positions. 
We also looked into the suspicious activity on your account. Based on the results of our investigation, were not able to restore any losses of assets that might have happened. 
Thanks for your patienceour support team is here to keep you and your account safe! 
The Robinhood team This is absolutely horrific!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Experian it 's listed as " XXXX XXXX XXXX XXXX XXXX '' and on XXXX and Experian it 's listed as " CT XXXX XXXX XXXX XXXX ''. I am attaching a few documents. One is my payment history with this account. My responsibility to this account is {$180.00} a month. I have not missed one payment, yet my current credit report lists this account as missing 7-9 payments. Also the CURRENT PAYMENT STATUS is  still listing at 120-149 days late which is not true. Payment breakdown below with sheets attached : XX/XX/XXXX {$2800.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$140.00} to XXXX XXXX XXXX XX/XX/XXXX {$540.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$140.00} to XXXX XXXX XXXX  XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX  XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$190.00} to XXXX XXXX XXXX Please update this to ACCURATELY reflect that I am current on this and not past due. As you can plainly see from the payment sheet attached I have not missed any payments ( at least none that I know of ) in the past 13 months. I have not received any bills or notices from this creditor in the past year. Not one! You 'd think if I had n't paid this in 14 months and was past due Id get a letter or notice asking for payment. This false information and outright misrepresentation of this account is costing me XXXX points on my FICO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$800.00} XXXX  XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$120000.00} XXXX   XXXX XXXX {$120000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Mortgage

While FHFA made it mandatory effective XX/XX/XXXX for lenders to provide up to 6 months of payment deferral with specific instructions that cumulative cap of 12 months does not include past-due P & I payments deferred as the result of a disaster payment deferral or a XXXX payment deferral. ( See attached exhibit B ) Shellpoint/NewRez openly defy these regulations by failing to execute a XXXX XXXX XXXX for the current payment deferral which was requested for 3 months from XX/XX/XXXX to XX/XX/XXXX upon exiting a 3 months forbearance. 

NewRez LLC XXXX Shellpoint has previously provided a deferral on the account on or around XX/XX/XXXX due to XXXX XXXX and XXXX XXXX  XXXX shut downs which had occured as a result of nationwide disaster and Gov. XXXX executive Orders related to XXXX shut downs and shelter in place. 
NewRez XXXX Shellpoint were in consistently receipt of monthly mortgage payments for over a year and a half after they issued the said disaster and XXXX  XXXX payment deferral on XX/XX/XXXX. The current payment deferral was requested for 3 months from XX/XX/XXXX to XX/XX/XXXX upon exiting the 3 months forbearance which is not being executed by NewRez LLC/Shellpoint . 


As of today, and despite of their previous pre-approval dated XX/XX/XXXX, the Servicer declined to proceed with Payment Deferral Agreement ( to Extend the term of the loan for the number of months the loan has been in forbearance which is 3 months from XX/XX/XXXX to XX/XX/XXXX ; ) Attached in exhibit A is a public announcement by FHFA stating that the Servicer is OBLIGATED to provide Payment Deferral Option as of XX/XX/XXXX. 

Attached in exhibit B is the XXXX XXXX guidelines issued in XX/XX/XXXX that state : This cumulative cap does not include past-due P & I payments deferred as the result of a disaster payment deferral or a XXXX payment deferral. 

Attached hereto as exhibit C is the confirmation email by Shellpoint dated XX/XX/XXXX with pre-approval for payment deferment of the accumulated payments inclusive of XXXX payment to the back of the loan which NewRez LLL/ Shellpoint now refuses to execute. 

Shellpoint is OBLIGATED to comply with mandatory FHFA regulations effective XX/XX/XXXX for lenders to provide up to 6 months of payment deferral with specific instructions that cumulative cap of 12 months does not include past-due P & I payments deferred as the result of a disaster payment deferral or a XXXX payment deferral. ( See attached exhibit B ). 

NewRez LLC /Shellpoints compliance with FHFA regulations is not optional.
Product: Credit reporting, credit repair services, or other personal consumer reports

HYUNDAI CAPITAL AMERICA obtained a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them.
Product: Checking or savings account

I made a one-time payment of {$80.00} to my internet provider XXXX XXXX on XX/XX/2024 with my Chime debit card. The payment failed, I made XXXX more attempts with the same card to pay my bill. None of the XXXX transactions are successful on XXXXXXXX XXXX XXXX system and show as " failed ''. I call Chime and and they assure me that these transactions won't post and my money will return. 

I see the transactions pending on my Chime account and I wait for the money to return to my account. On XX/XX/2024 these XXXX pending transactions post. I did not receive service for any of these transactions and when I contacted XXXX  I was told to reach out to Chime to dispute the charges. 

I immediately call Chime on XX/XX/2024 and start the process to dispute the transactions in the amount of {$400.00}. XXXX weeks into their investigation they start denying the disputes. The merchant never received the funds, yet Chime doesn't want to return MY money. 

I have tried being patient and working with Chime and XXXX for a resolution. I'm getting nowhere and need help. I will be sending proof in the attachments.
Product: Credit reporting or other personal consumer reports

I have multiple child support on my credit as a loan and it have late payments. I pay over XXXX a year in child support. 15 U.S.C. 1681 et seq
Product: Consumer Loan

THIS IS NOT A DUPLICATE COMPLAINT. IT DOES HOWEVER INVOLVE THE SAME COMPANY AS BEFORE. THIS IS ANOTHER ISSUE ALL TOGETHER. 
We purchased a vehicle from Drive Time on XXXX/XXXX/XXXX and the vehicle was financed for XXXX for XXXX payments and XXXX for XXXX payment due on XXXX/XXXX/XXXX off on XXXX/XXXX/XXXX. The loan and finances charges included GAP and GPS. I requested a refund of the GAP coverage and I was told we will not be receiving the refund. I do n't understand, since we paid off the loan early.
Product: Debt collection

I received Ss XXXX in XX/XX/XXXX due to XXXX XX/XX/XXXX I was not notified until XXXX XXXX XXXX XXXX XXXX told me to ignore all bills ( don't have date handy ) because they only billed XXXX XXXX They said they'd resubmit to XXXX. I'm in contact XXXX XXXX  almost daily as a result of XXXX XXXX This should not have gone to a debt collector! Unfortunately due to my XXXX I have XXXX  XXXX  & didn't know I had to follow up that they did their job! I'm available most days but no one contacted me. This letter is harassment & threatening. I have a lot XXXX XXXX XXXX & keep my phone on mute often m I did not get one voice mail! I will contact a XXXX representative to assist me when I'm able first off I'll try calling you by Friday. I have 2 insurances & took the bill twice to XXXX XXXX XXXX & was told to ignore bills, I called XXXX billing & was told the same. I'd like to have information as who sent it to debt collectors instead of Medicare? Please provide that in response with name & date of service you are requesting payment from. Due to my XXXX my sleep patterns have changed & I'm usually up at night & tired during the day. 
You can email me or call between 3-5. This is wrong & I need to contact the state & office for XXXX which isn't easy to get through. I'm cognitive and able to representative myself but will not pay a debt collector for a bill that # 1 no one can tell me what it's for. # 2 I have Medicare & XXXX!
Product: Credit reporting 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 creditor 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 verifiedthat this item is being reported correctly? Who verified this item? 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 CORRECT or DELETE 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 item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is unfair that the buyer of a timeshare does not have access to the booking site until after the end of the contract rescission period. We had no way of being able to learn about the poor availability by reading the contract, or within the contract rescission period. On XX/XX/XXXX, we attended a new owners orientation in XXXX VA because we wanted to cancel our purchase. We had trouble with availability, and we could not easily reach customer service. We tried to book online. A lot of the rooms available seemed to be just hotel rooms and not resorts. The agents told us, during the seven-hour meeting, that what we had purchased before was not adequate for our vacation needs, but with additional points we would be able to stay anywhere. We purchased XXXX points, standard interest type, and first years use XXXX. The purchase price was {$16000.00}. We paid a down payment of {$960.00} and financed {$18000.00} at 16.5 %, These sales agents said that if we were not happy, XXXX would buy back the timeshare. We learned that there is no buy-back program and that sales agents are allowed to lie and misrepresent. 

After this purchase, we experienced the same issues concerning poor availability. When we contacted XXXX about the buy-back program, we learned that we had been lied to. There is no buy-back program. I stopped payments at the end of XXXX because we purchased under false pretenses. My wife spent hours on the phone with XXXX customer service and was constantly told there was no availability. We first purchased XXXX XXXX XXXX XXXX Vacation points standard for {$8900.00} on XX/XX/XXXX, in XXXX XXXX, SC at an XXXX XXXX XXXX. We financed the entire amount. We were told that the timeshare would not only cover the cost of our vacations but would also increase in value, making it a wise investment for our children. 

There are almost XXXX XXXX  complaints filed against XXXX. Why is there not an Alert posted indicating a pattern of complaints. 

Unfortunately, Experian has drastically reduced my credit score due to this situation. 

I want to file this complaint against Experian for Inaccurate Reporting and I am including the XXXX XXXX XXXX. 

The following link is a ruling by the XXXX XXXX XXXX that a XXXX loan is a consumer credit, NOT a Mortgage. In addition to the ruling, both the NCUA and FNMA say a Timeshare loan is NOT a Mortgage. 

https : XXXX Thank You for your time. Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

It's hard to use XXXX with PNC. I've used in the past but PNC made a change to process.
Product: Credit reporting or other personal consumer reports

I Demad a removal of inquires that was not made by me I have recently applied for a credit card and was denied because of inquiries please remove with XXXX business days thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX SECTION 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) of the United States Code states that a credit reporting agency may only furnish a consumer report under specific permissible purposes. These inquiries were made without my consent and are in violation of this statute
Product: Credit reporting or other personal consumer reports

I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the XXXX Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. TRANSUNION IS ONLY TREATING ME THIS WAY BECAUSE XXXX XXXX IGNORING MY REQUESTS AND DISREGARD FOR CONGRESSIONAL FINDINGS AND THE HNITED STATES CONSTITUTION ITS A XXXXXXXX XXXX AND IF SOMETHING IS NOT XXXX DONE ABOUT THIS IMMEDIATELY EXTREME MEASURES WILL BE TAKEN!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter today from Trans union Again stating that the information on my report is correct. IT IS NOT CORRECT IT IS FRAUD. But the Consumer Services they keep reporting they are working on it. Clearly they are not. And once again, refused to remove a FRAUDULENT ACCOUNT on my credit report. What good is the Consumer Services if they arent doing their job, and letting these companies get away with allowing fraudulent accounts stay on a credit report.
Product: Credit card or prepaid card

I paid off my card balance in full almost {$7400.00} as of XX/XX/2019. XX/XX/2019 8 owe a balance of {$77.00} saying I owed interest. They refused to remove the fee. I should not owe them anymore money, the balance was paid in full prior to the bill date so I should not have been charged interest for a balance I paid in full I already paid interest on the month prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

My account with ( FREEDOM MTG ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( FREEDOM MTG ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports