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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item : XXXX  XXXX XXXX  XXXX XXXX
Product: Mortgage

I applied for Mortgage assistance with Carrington Mortgage for the second time on XX/XX/XXXX because my loan is in foreclosure and I am having trouble making the payment and getting the loan current. Before that I applied around XX/XX/XXXX and they came to decision and denied me because I did n't have enough income. I applied again on XX/XX/XXXX because my income changed. It 's NOW XX/XX/XXXX and I still have not had any progress with Carrington mortgage to resolve my issue. The normal process takes 30 days to reach a decision if they can help or not and I have n't got to that point yet because I 've been getting the run around. The issue I am having with them is that they keep asking for the same paperwork and documentation to complete their mortgage package. ( divorce decree, other borrower financial information, letters of explanation, etc. and they keep asking for a Quit claim deed from the other borrower who has no interest in the property since I was granted my divorcee. Also I was abused by the other party and there is a current OFP on file for the next 50 years that the other person can not contact me. I have talked to several employees and Supervisors about this issue and no one seems to know why they keep requesting the same information from me and keep opening and closing my file when they know my foreclosure date is approaching very soon. I have faxed, email, and uploaded everything they needed to start the process and I have not got anywhere. In Minnesota you have 7 business before the foreclosure date to submit a request for mortgage assistance and do to this issue I am concerned that I will not meet that deadline. My situation is complicated and I would like to explain in more detail in person or the telephone. Since I have started this process with Carrington mortgage I have suffered a lot of emotional stress, pain and anxiety because I have done everything I need to do to keep my home and I feel Carrington mortgage is not understanding to that. If possible I would like all the notes and phone calls pulled from them so someone can see in detail what I have been through these last 3 months. Please if you can help I would appreciate it. Thanks
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

I'd like to opt out of this account reporting on my credit profile under the Graham Leach Bliley Act for Regulation P of Privacy of Consumer Financial Information Act ; 12 CFR Part 101. Please provide me with a reasonable opt out form that can be submitted electronically with the original cardholder agreement that lists the disclosures giving me a right to opt out. If a form or cardholder agreement can not be provided, I would like to use this complaint as a request to opt out of this account from reporting to any non-affiliated third parties including any credit reporting agencies. 

Attached is a copy of the statement of the account in question, along with a copy of my credit report.
Product: Consumer Loan

On Thursday XX/XX/XXXX2016 I had a vehicle repossessed the loan holder is Wells Fargo Dealer Services in California. I paid all the fees that needed to be paid on XX/XX/XXXX2016 by XXXX XXXX. We drove over an hour to pick up the vehicle. Then today XXXX2016 the repossessed the same vehicle again. To me this is unexceptionable. Mistakes may happen, but this is a huge over site. Wells Fargo needs to do a better job. We had to wait 4 hours on XX/XX/XXXX2016 after we paid the fees before they released it, now tell me why did I have to wait so long but Wells Fargo ca n't get their system straight.
Product: Credit reporting or other personal consumer reports

I noticed inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I pulled my credit report from Experian and noticed they put back on my credit report address ( es ) that they had already deleted because it is not my correct address. I have a relation to the person who used to live at the address but the address is not mine and is incorrect. Also they listed a name that I do not associate myself with. Experian listed the following addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian listed the following name on my credit report that is not my legal name nor do I refer to myself as this name : XXXX XXXX I have disputed these incidents many times to find they put the address back on my credit report. This is false reporting and violates the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting or other personal consumer reports

You replied that the alleged transactions that you identified as late are verified. The following accounts are : XXXX  : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b -Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant to 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Mortgage

I applied for a reverse mortgage with LoanDepot. Initial loan asked was $ XXXX with a valuation of the property at $ XXXX. Later, when prompted by the agent, we checked the property estimate on XXXX and upped the estimated value to $ XXXX. I paid a {$420.00} appraisal fee and {$10.00} credit check fee. However, after the loan was tentatively approved and appraisal done, I was informed that the appraisal amount was indeed $ XXXX so the maximum I can loan is $ XXXX ( XXXX % ). I was then told the loan amount was less than the minimum loan amount LoanDepot was willing to lend ( $ XXXX ). This should have been communicated to me at the start of the process, not after fees are paid. I explored options with other lenders with lower limits and asked LoanDepot to transfer the appraisal to XXXX XXXX which LoanDepot refused. XXXX XXXX therefore had to order a new appraisal at additional cost to me.
Product: Debt collection

COLLECTOR KEEPS CALLING MY CELL 11 TIMES ( XXXX ) XXXX FROM ( XXXX, REF XXXX. HAVE SCREEN SHOTS AND VOICE RECORDINGS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$2100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} ), XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$40000.00} ), XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I have dispute several times with XXXX  my account already closed in XXXX. I still keep disputing this with XXXX, but it has been demonstrated the account was paid in full, and the last dispute with XXXX  is showing that information. However, they keep showing in the remarks it was paid less than full balance.Attached doc.- From my loan with XXXX XXXX, I'm missing at least one payment in my transunion report. This payment was done and reported by the company.Attached doc.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent The last letter to the 3 credit bureaus but never received a response from them. These items must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law to resolve this matter as soon as possible. 


XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX changed my car loan agreement without my consent. Someone in their office forged my signature and changed the contract amount to get the car loan from Credit Acceptance who is now reporting on my credit report. I reached out to Credit Acceptance and they sent me documents with the a new payment amount and my forged signature for the new contract. I never agreed to the new contract or signed it. The original contract was signed by me on XX/XX/2019 for {$360.00}. They changed it on XX/XX/2019 and forged my signature on the new contract with the payment amount changed to {$390.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wring name and address reporting
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the handling of an account on my credit report by TransUnion. The name of the account is XXXX  XXXX. I recently disputed this account with TransUnion, and I was not satisfied with the results of the dispute becasue the error is still on my credit report. 

1. Inaccurate Information on Credit Report : Despite submitting clear and sufficient evidence that the account in question contained errors, TransUnion marked the account as " verified '' and did not address the inaccuracies I presented. The account still contains errors, and I have provided undeniable proof of these errors, but TransUnion failed to make the necessary corrections. I request that this account be completely removed from my credit report as the information is inaccurate and has been wrongfully verified.

2. Failure to Respond to My Request for the Method of Verification : I sent a letter to TransUnion on XX/XX/year>, requesting the method used to verify the account. This letter was delivered, and I have the tracking number to prove it. However, TransUnion has not responded to my request within the 15-day time frame outlined by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they are legally obligated to respond within 15 days when a consumer requests information on how a dispute was verified. Their failure to comply with this legal requirement is a clear violation of my consumer rights. 

3. Emotional Distress and Consumer Hardship : XXXX failure to investigate my dispute properly and their refusal to respond to my request for verification has caused significant emotional distress. I have been left in an unfair situation where I am unable to resolve issues on my credit report, which directly impacts my financial well-being and peace of mind. Their negligence in properly investigating the dispute has created unnecessary anxiety, uncertainty, and frustration. 

4. Noncompliance with Legal Requirements : XXXX lack of response to my request for verification is a violation of my rights under the FCRA Section 611 ( a ) ( 7 ). This failure not only puts consumers at a disadvantage but also undermines the trust and integrity of the credit reporting system, making it harder for consumers to assert their rights and rectify mistakes in their credit reports.

Resolution Requested : I respectfully request that TransUnion : - Immediately remove the disputed account from my credit report, as it is inaccurate and has not been verified properly and they failed to give method of verification within 15 days.

- Cease causing further emotional distress by complying with consumer protection laws and conducting a proper investigation of this matter.

Documentation Attached : - Copy of the delivery receipt with tracking number for my letter to TransUnion ( sent XX/XX/year> ). 
- Proof of errors on the disputed accounts. 

I trust that the CFPB will investigate this matter and assist in resolving the ongoing issues with XXXX. I believe I am entitled to a fair resolution and look forward to seeing appropriate corrective actions taken. 

Thank you for your attention to this matter.
Product: Mortgage

Ocwen loan servicing is running a unorganized white collar crime operation using forgery and fraud, malicious threats, violations, so-called prior XXXX XXXX XXXX increased loan modifications with my forged signature and initials, manufactured documents, rubber stamping, violations of notary laws, void assignment, manufactured note, intentionally waiting out statues, slander of title, credit reporting violations, prior manufactured force place insurance policies, false principal balance, false payment history, and then cozied up with corrupt fraudulent cozy XXXX and XXXX XXXX XXXX XXXX using insider relationship using robo authorized agents and crooked lawyers who commit fraud claiming to have looked at all the manufactured documents having personal knowledge assisting cozy pretender lender loan servicer can embezzle my property I own free and clear so the pretender lender loan servicer to temporally increase its revenue. I sent crooked young shady lawyer XXXX XXXX many emails requesting loss mitigation options because I am unable to communicate with fraudulent troubled white collar crime incompetent Ocwen Loan Servicing. XXXX XXXX intentionally failed to respond to my many request for mitigation option to avoid fraudulent trustee sale only to help his white collar crime client embezzle my property I own free and clear. The authorities are involved in my matter as we speak. The pretender lender loan servicer slandered my title once again recording another fraudulent notice of sale. Due to the fact that shady XXXX XXXX XXXX intentionally recorded fraudulent trustee sale on my birthday and crooked lawyer failed to respond to my many requests for assistance to avoid fraudulent sale, I am forced to litigate my matter in bankruptcy court.
Product: Mortgage

Mother passed away XXXX, my father informed us that he sold the home when in fact he rented the house out and the mortgage was being paid directly to the mortgage company until the person renting the home passed away unbeknownst to my father, Father relocated and didn't receive any of the mailing regarding the home. We were unaware the home was going into foreclosure until late XXXX, when it was discovered, the home was not sold, and the tenant expired XXXX. My father can not afford the mortgage as he is living on SSI. We are doing everything possible to pull the home from foreclosure and Sheriff sale to get it sold.