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

I am filing this complaint to address the serious inaccuracies and lack of thorough documentation surrounding several accounts on my TransUnion credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I initially disputed these accounts with TransUnion as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure that only accurate, fully verified information is reported. Despite this, I have received no substantial evidence or original documentation verifying these accounts accuracy. TransUnions response has been vague and insufficient, without the detailed verification required to justify these accounts continued presence on my credit report. I am formally requesting comprehensive verification for each of these accounts in compliance with FCRA and FDCPA regulations, including original signed agreements and contracts linking me to each account, a full transaction history for each account with dates of activity, payments, and charges, any communications or notifications related to these accounts, and accurate reporting of balances, payment histories, and account statuses as required by law. These items are crucial for my full understanding and validation of these accounts, and without access to this level of documentation, I can not confirm or validate any link to these accounts. The lack of proper documentation raises concerns of potential reporting errors or fraudulent activity, which only heightens the need for thorough verification. Until these documents are provided, I can not and will not accept the presence of these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I attempted to modify my 2nd mortgage with XXXX. I was told by a XXXX employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with XXXX stalled, I received the attached letter from XXXX stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. XXXX is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion keeps reporting that a bankruptcy was verified by the court and that its correct and then they update it as such. Ive been telling them for a few years that I have a letter from the court stating that they do not report to the credit bureaus but yet they keep saying its verified by the court. This is false information.
Product: Credit reporting or other personal consumer reports

Resurgent Capital Services ( LVNV ) collections has been placing info on my report I have done a verbal Cease and Desist also a written letter also confirmed they received the letter I have been working extremely hard to repair my credit and I have no business with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries outside of XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2020 and XXXX XXXX XXXX in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.
Product: Debt collection

For several months, I have been receiving daily robo-calls from a variety of numbers that XXXX tells me all belong to Portfolio Recovery Associates , a debt collector. I don't answer, and no message is ever left. I have never received any written notice from this company specifying what they believe I owe. In fact, I owe no one anything. I have checked my most recent credit reports and those of my husband. Neither Portfolio Recovery nor anyone else ( except for our mortgage holder ) is listed as a creditor. Neither of us has any late payments -- both my husband and I have credit scores above 800. XXXX has also informed me that Portfolio Recovery is an unethical and problematic company, which is why I haven't tried to settle this with them. I have no desire to engage. 
Calls received have come from these numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX AL XXXX is the incorrect address
Product: Checking or savings account

On XX/XX/XXXX I made a deposit the deposit ticket notified me that the funds would be held until XX/XX/XXXX When I checked on line the deposit hold also stated it would be released on XX/XX/XXXX On XX/XX/XXXX the hold now stated it was until XXXX XXXX my account overdrawn I relied on the information provided much to my detriment. 
On XX/XX/XXXX i made a deposit and was notified that the funds would be held until XX/XX/XXXX. I called many times and verified that with the lying banker and lo and behold not that hold for XX/XX/XXXX is XX/XX/XXXX once again making my account overdrawn as i relied on the lying bankers and banks information that they provided. 

It seems to me that not only am I being lied to and XXXX  but that there is perhaps discrimination that needs to be addressed
Product: Mortgage

I closed XXXX sold XXXX my home on XXXX/XXXX/2015. Green Tree Loans was the holder of my XXXX mortgage. I attempted to cancel my autopayment on XXXX/XXXX/2015 ( when I realized the XXXX payment had already been factored into the payoff quote ) but apparently it had already been 'pre-drafted '. 
I reached out to Green Tree the day after XXXX XXXX/XXXX/15 XXXX to notify them of my new address they should use to send my me a check for my extra payment ( because they could n't remit to the sending bank account # XXXX. After not receiving a check w/in the 30-day window, I called Green Tree. They said they had shipped it to my old address. And they could n't send a new one until the old check had been cancelled. It 's now XXXX, I 've called twice to make sure my check would be sent out, and twice I was assured they were on top of it, and they would call me when the check had been mailed. Still have n't heard a word from them OR received my money back! Where is my money? Are there fees/penalties they should have to pay? They were charging me interest at 7.5 % on that mortgage, but I must wait endlessly while they hold my money interest free?!! 

Additionally, when I refinanced almost 3-yrs ago, my rate lock almost expired because Green Tree refused to work w/ my bank XXXX XXXX XXXX XXXX even though it was a no money out refinance, to a lower rate, and they had already received the subordination fee. The customer service is horrendous, and I 've felt powerless to do anything other than wait while they run me around and give me nothing but stories about where my money is! 

Please help!
Product: Credit card or prepaid card

Today,  XXXX   XXXX ,  2017 , I spent  45 minutes on the phone with Capital One reps trying to gain access to my credit card account online. Turns out the new website REQUIRES users to provide their annual income in order to gain access to their accounts. I am not aware that users are required to disclose their income to use one of their existing cards. I have no interest in credit line increases. I would just like to use the card and pay my bill. Since Capital One wo n't give me acc ess to the account online without my disclosing my income, WHICH IS NONE OF THEIR BUSINESS, I closed the account.   XXXX  Why are credit card companies allowed to require income disclosure in order to use their product?
Product: Credit reporting or other personal consumer reports

I have reached out to these companies and creditors as well as the credit bureaus including Experian, XXXX and XXXX for a while now about accounts that they are reporting that are fraud and inaccurate stemming from me being a victim of identity theft. I have sent reports, police reports as well as FTC reports to these companies. Along with all the information that is needed to show and prove I have been a victim of identity theft like Personal statements explaining to them that I am a victim of identity theft and that I never gave anyone permission or authorization to use my name for goods and services with these companies! Yet and still they are refusing to oblige and or investigate these accounts and remove them from my credit. 
I have sent the attached letters below to these creditors and companies asking them to investigate and send me the identifying information and signatures and pictures showing where I walked in somewhere and opened these accounts yet that's never done either! Per the FCRA creditors are supposed to Abide by law when a consumer has informed them and sent in the proper documentation that follows on how to proceed when a person has notified them that they are a victim of identity theft and have rights under these laws, Yet not one of these creditors has done due diligence yet they choose to keep reporting these fraudulent and inaccurate accounts that do not belong to me!

My credit, reputation, creditability, character has all been damaged and ruined by these companies and thieves acts!

Because these companies refuse to do their jobs and refuse to follow the laws of identity theft victims my life has been destroyed for some time now! The stress, embarrassment, agony and anxiety I have endured all this time has been detrimental to my health and livelihood! 
I have been denied credit, housing, goods and services as well as jobs due to these companies ' lack of due diligence and their inaccurate reporting!
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving an issue with inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ) regarding an auto loan that has been fully paid off. Despite satisfying this loan in full, XXXX XXXX continues to report the loan as unpaid/late on my credit report, negatively impacting my XXXX XXXX and financial standing. 

XXXX XXXX XXXX : The loan is still being reported as unpaid/late on my credit report. 

Supporting Documentation : XXXX of XXXX : Attached is a copy of the letter from XXXX XXXX confirming that the loan has been paid in full. 

Title : I have also attached a copy of the title to the vehicle, which further evidences that the loan has been satisfied. 

I have made several attempts to resolve this issue directly with XXXX XXXX, but unfortunately, they have not corrected the reporting error. I am requesting that the CFPB assist in ensuring that XXXX XXXX updates my credit report to reflect the accurate status of this loan as " paid in full '' with a XXXX balance. 

This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies must be accurate and complete.
Product: Mortgage

Our loan is with PHH Mortgage XXXX ( formerly Ocwen ). 
Back in 2012, we got behind on our mortgage but we were able to do a modification and have been current ever since. 
As a result of the modification, there was a balloon payment tacked on to the end of the mortgage. 
Our intention is to pay off the mortgage ( we are actually including additional principle payments each month ) so we can stay here the rest of our lives. I am XXXX and my husband is XXXX. 
We want to start making payments against the balloon payment so that we are not faced with refinancing when the primary mortgage is paid off ( in 9 years ) or in the position of facing foreclosure because we can't get financing at our respective ages. 
I asked PHH if we could do this and they said, '' No. '' Why? Because " they are not set up to do that. '' This seems like a perfectly reasonable ask. And I don't see a downside for PHH because they would be getting their money sooner than expected. ( All of which I pointed out to their representative. ) The only downside I can see for PHH is that it would take away their ability to grab the house if we can't get it refinanced or have {$120000.00} ON HAND to pay off the balloon. 
Obviously I am very concerned about this and would appreciate any help you can give us to get PHH to accept payments against the balloon payment. 
Thank you.
Product: Credit reporting

I have requested on several occasions for the agency to please validate a bankruptcy judgement information reported on my account and provide me with copies of any documentation associated with this account, bearing my signature. This information should be supplied within 30 days. They refuse to provide me with the information of how they are verifying this to be my account as will as I requested the name address, phone number and person whom verified this account to be mine and nothing has been provided by the agency.I have called the agency to only be rude to my the staff of this agency.
Product: Credit reporting or other personal consumer reports

Equifax has not resolved my disputes on unauthorized and unrecognized inquiries XXXX XXXX XXXX XXXX XXXX  Informative XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX FIN Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Vehicle loan or lease

On XX/XX/2023 I applied for credit with KIA FINANCE and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a KIA XXXXXXXX XXXX fully loaded.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies and deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX 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: Checking or savings account

I was defrauded out of {$2600.00} because I made a decision to complete a purchase as part of a work assignment based on the information that my bank provided to me. Specifically, I made a deposit at my branch and asked how long it would take to for the funds to clear my account so that i would know the funds were good and available for use. I was told 24 to 48 hours, which I have later discovered is not accurate. When the funds became available in my account, I again verified with the bank if the funds were good and they confirmed that they were. I then used those funds to complete my assignment, which was to purchase goods at a store. I would have NEVER completed my assignment and made a purchase had I understood that the funds which were made " available '' in my account were NOT actually cleared.
Product: Credit reporting or other personal consumer reports

this company has violated my consumer rights and caused me and my family finincal harm because of reckless reporting of inaccurate information that they know to be false and misleading, per the fair debt collection practices act section 10006.34 requires a debt collector to provide validation that this account is mine by provide a signed contract that i agrreed to do business with this company and that i owe this aledged amount futhermore 15 usc 6802 obligation with respect to disclosures of personal information i did not give premission and opt out of any personal information be shared with anyone
Product: Debt collection

XXXX XXXX XXXX has called me several times from Unknown Number. They called three times today and I answered the third time ( XX/XX/XXXX ). I  asked them, isnt it illegal to call from an unknown number, and he stated that his company does not do anything illegal. They also called me from an Unknown Number twice on Thursday, XX/XX/XXXX, and I did not answer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 - I noticed an unauthorized transfer of funds ( $ XXXX ) into my Coinbase account from my linked checking account. This corresponded to a purchase I made from Coinbase in the same amount, but this transfer was unnecessary as there were adequate funds in the Coinbase account. 

I reported this problem to Coinbase who immediately froze access to my account. 

Since that time, Coinbase has been totally unresponsive to my requests for a status update. My account remains locked with a considerable amount of value tied up, and I have not been able to get any information about what is happening to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my mortgage. It shows that I'm 60 days past due for XXXX but I am only 30 days past due.
Product: Money transfer, virtual currency, or money service

I received an email from Pay Pal about a request for money payment of XXXX. 
I did not request this transaction so notified Pay Pal but could not get any response or help to resolve the problem.
Product: Credit reporting or other personal consumer reports

I keep trying to correct things to let them know that the credit isn't mines or is wrong and they won't fix it or just change the dates on the credit.
Product: Credit card or prepaid card

I made a complaint against bank of america on this website. They uploaded documents with a title that made it seem as though my personal information was redacted. In fact, even titled " enclosures redacted. '' I was shocked to find the information enclosed was 100 % not redacted and my bank is not only incompetent in all other regards but now is sending out documents with my personal information. As the complain for the previous issue gets posted publicly on CFPB I now have serious concerns about the security of my personal information. I think it clearly states to de-identify submissions which I did with my uploads. Despite this website 's scrubbing process, someone may be able to identify me based on their carelessness! Please contact me asap regarding the breach of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined MoneyLion Plus on XX/XX/2017. Since joining, with my membership payments of {$36.00} bi-weekly, I am supposed to receive {$50.00} per month placed into an investment account and {$1.00} per day cashback for checking the app. I have not received any of those benefits. On my inline account and on the app, it appears that the benefits are available to me, but none have been received. When I inquired with the company, they said I had to " open a new account '' to have the system give me the benefits. I believe that this is unfair and that since I have paid them a total of XXXX in membership fees that I should be receiving the advertised benefits. My online account shows the following : How much Plus costs Cost $ XXXX/mo. You're paying {$36.00} every two weeks, which is the same as {$79.00} per month. Invest {$50.00} With on-time payments, $ XXXX/month is invested for you in your Plus account. Earned {$20.00} You viewed all your cards and earned {$1.00} cashback on 20 of the last 30 days. Invested {$70.00} In the last 30 days, you earned {$70.00} back into your Plus investment account. Nice! Net cost $ XXXX/mo. In the last 30 days your net cost for Plus, that is what you paid minus what you got back, was just {$9.00}. So my net cost, for 10 months, should've been {$90.00}. Not {$800.00}. I have been paying for a service that I am not receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the west received payment in FULL for a balance of {$1500.00} for a charge-off XXXX years ago on XX/XX/2021. Via recorded call, I was informed that Changes would be updated on their end and submitted to all credit bureaus to show a XXXX  balance by end of XXXX. Were now nearing the end of XXXX and nothing has been updated.