23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was just sold to Shellpoint Mortgage Servicing/XXXX XXXX XXXX XXXX XXXX. I wasn't even notified by them or XXXX XXXX loans who previously owned my mortgage. 
When, I finally got setup on their website https : //www.shellpointmtg.com/ and got logged in. I saw a disturbing statement! It says, " The loan is in active bankruptcy. Please contact the bankruptcy department to service this loan. '' Well, I call them XXXX XXXX XXXX XXXX and get put on HOLD and no-one ever picks up! Been trying for 3 days now! HOUR AND HOURS ON HOLD. No-one ever picks up! 

I have never missed a payment in the last 2 years. I hear this company is a crooked foreclosure company. I guess it's true. They won't even answer the phone to rectify my issue.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted XXXX XXXX to inquire about paying off my lease. I was advised that they would be able to asisst me and we scheduled an appointment for XX/XX/XXXX. On XX/XX/XXXX, i was advised via text message that i would have to get the car inspected for safety reasons. I was not advised of any fees associated with this inspection. Upon my arrival at the dealership, my car was taken back for the inspection. A while later, i was given the final payoff amount which included a {$990.00} dealer fee, and a {$190.00} inspection fee. These fees were never disclosed to me prior to my appointment. I informed the representative and the general manager that these should not be charged as they were not legal nor in my lease contract. The dealer would not budge and refused to waive the fees. After going back and forth for a while, the general manager refused to complete the transaction and I was asked to leave. According to the federal consumer lease act, the only fees that may be charges on the backend are fees disclosed in the original lease agreement. In my contract, it states there will be a {$390.00} disposition fee. No other fees are indicated. I contacted two other XXXX dealers in the area and both indicated that there would be no dealer fees charges. One dealer even indicated that they would not complete the buyout due to the fact they could not legally charge such fees.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a fraudulent account was opened with XXXX XXXX XXXX without my knowledge or consent. This unauthorized activity was first discovered by me in XX/XX/XXXX during a home mortgage application. The account pertained to an auto lease valued at {$79000.00}, and it subsequently appeared on my credit report, negatively impacting my credit score and financial standing. 

Upon discovering the fraudulent activity, I immediately took proactive steps to address the issue : Filed an FTC Identity Theft Report : In XX/XX/XXXX, I filed an official report with the Federal Trade Commission ( FTC ) to document the identity theft, indicating that the information used to open the account was obtained and used without my authorization. 
Notified the Credit Bureaus : I alerted the major credit bureaus, including TransUnion, XXXX, and XXXX, requesting the removal of the unauthorized inquiry and account from my credit reports to correct the inaccuracies stemming from this identity theft. 

the account in question and inquiries that were the result of fraud are ; ACCOUNT ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian abused consumer reports by utilizing information from greater than 10 years ago. Failed to update hard inquiries on file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  abused by experian XXXX XXXX and XXXX failed to provide relief monetarily & acted negligently by clearly failing to respond to previous investigations for 12 months
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I noticed that XXXX had reinserted previously removed collection accounts and added unauthorized hard inquiries to my credit report without proper notification or verification. These actions violate the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to notify consumers before reinserting disputed accounts and to ensure the accuracy of the information being reported. 

I previously disputed and successfully had these collection accounts removed because they were either inaccurate, outdated, or did not belong to me. Despite this, XXXX unlawfully reinserted them on [ date of reinsertion ], damaging my credit score. Additionally, I discovered multiple hard inquiries on my report that I did not authorize, further impacting my creditworthiness. 

These reporting errors have caused financial harm, including [ mention any denied credit applications, higher interest rates, or other negative effects ]. Given the recent CFPB lawsuit against XXXX for similar violations, I believe this is part of a larger pattern of misconduct. 

I am requesting the following immediate actions : XXXX.Permanent removal of the reinserted collection accounts and unauthorized hard inquiries from my credit report. 

XXXXWritten confirmation that these accounts and inquiries have been removed and will not be reinserted without proper verification. 

XXXX.Correction of my credit score to reflect the removal of these inaccurate items. 

XXXXAssurance of compliance with federal laws, ensuring this issue does not occur again. 

Please resolve this matter promptly, as these errors are unfairly affecting my financial standing.
Product: Mortgage

M & T Bank excessive delay with loan modification agreement documents not being recorded though the bank says they have. Its been 4 month now since modification has been signed, approved and notarized. M & T Bank says paperwork was sent for recording on XXXX XXXX but the recording office still says nothing has been recorded as of XXXX XXXX, 2015. Loan number XXXX, mod signed XXXX 2015
Product: Credit reporting or other personal consumer reports

Subject : Request for Resolution of Incorrect Personal Information on Credit Reports Correction of Personal Information : Update and correct all inaccurate personal information on my credit reports, including but not limited to [ specify the inaccuracies such as wrong name, address, or employment information ]. 
Confirmation of Corrections : Supply me with updated copies of my credit reports from all three major credit bureaus ( XXXX, XXXX, and TransUnion ) reflecting the corrected information. 
Documentation of Changes : Provide a detailed report outlining the corrections made to my credit reports, including before and after versions of the affected sections. 
Expedited Handling : Address this issue as promptly as possible, as it is crucial for maintaining my financial health and accuracy in my credit history. 
I appreciate your attention to this matter and look forward to a prompt resolution. 
15 USC 1681i - Procedure in Case of Disputed Accuracy : The credit bureau must investigate the dispute within 30 days.

If the information is found to be inaccurate, the credit bureau must correct or delete it.

15 USC 1681g - Disclosure to Consumers : 15 USC 1681b - Permissible Purposes of Reports : 15 USC 1681c - Information Excluded from Consumer Reports : Outdated or incorrect information must be removed from your credit report.

15 USC 1681e - Responsibilities of Users of Consumer Reports :
Product: Mortgage

I was offered a FHA Modification Agreement that was to be signed, notarized, and Returned to Rushmore Mgmt. by XX/XX/XXXX. That was done and I was under the impression that all was well. That is until I made the first payment of {$1200.00} for XX/XX/XXXX ( Confirmation # XXXX ). On XX/XX/XXXX I attempted to make my second payment in the amount of {$1200.00} per the agreement. The online system reflected that {$2700.00} was due. I immediately dialed XXXX to speak with a representative to figure out what was going on. Unfortunately, the automated system could not understand my request to speak with a representative. After repeated attempts I gave up trying and hung up. On XX/XX/XXXX I called again and after many failed attempts I was finally connected to a representative. When I inquired about the past due amount online, she stated that my monthly payment is {$1900.00}. I informed her that I had a modification in place that states my payment as being {$1200.00}. That made no sense to me because I was looking at my copy of the modification. She proceeded to inform me that per their records, my XXXX payment needed {$710.00} additional to be complete. Once I hung up from that call I went back online to pay that amount. Only because I planned to reach out to the Consumer Financial Protection Bureau again for help. Back in XXXX, XXXX year and XXXX month after having my mortgage I found your organization. I had a issue at the time with XXXX XXXX  that the CFPB was able to intervene and assist me to great satisfaction. Please look into this because I need this clarification ASAP. I can not afford a almost {$2000.00} per month mortgage, nor does the modification say that amount. Lastly, when this modification was requested at no time did the mortgage company request any documentation of my rate of pay. When I initially obtained the mortgage I had to show how much money I made. So why doesn't a modification not inquire about finances to help determine what a Borrower can even afford? The modification agreement reads as follows : Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of the Lender. Interest will be charged on the Unpaid Principal Balance at a yearly rate of 7.2500 %, from XX/XX/XXXX. Borrower promises to make monthly payments of principal and interest of XXXX {$240.00}, beginning on the XXXX DAY OF XXXX, XXXX, and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. The yearly rate of 7.2500 % will remain in effect until principal and interest are paid in full. If on XX/XX/XXXX, ( the " Maturity Date '' ), Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date.
Product: Credit reporting

There is a hard inquiry from XXXX XXXX. I have never been there and have never applied for credit through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to TransUnion requesting my free credit report/file. I received a postcard stating I would have to pay {$9.00} for a report because I received a free annual report in the last 12 months. According to the FTC, due to the pandemic, I can receive my free credit report every week through XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX LAWSUIT I feel i was negatively impacted by Transunion, hurting my chances at credit after recieving a response to my earlier dispute that the accounts were " verified ". 
there was not a proper detailed investigation on the disputes i provided in XX/XX/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Debt collection

I requested a debt validation 31 calendar days ago 1 day over the 30 day response window with valid documents which they fail to do. which is a violation under thee FCRA & FTC. I will attach documents that prove its been 31 days and the original validation letter with they completely ignore.
Product: Credit card

On XX/XX/XXXX I received an email inviting me to take advantage of balance transfer options. Four options were available ( two for 0 % and two for 1.99 % ) all four need between XXXX and XXXX of XXXX. I have been a longterm chase customer and have more than one Chase account. 

I selected the 0.00 % transfer option ending XX/XX/XXXX when the website asked for the card security code. When I looked at the card, I realized that I had not received a new card for this account and the one I had expired in XX/XX/XXXX. This account remained active and I just paid my annual fee on XX/XX/XXXX. The replacement card had been sent to an old address. 

I called customer service and requested a new card be sent. The representative told me my old card would need to be cancelled for security purposes and that I will receive a new card with a new number. She also stated all benefits transfer tot he new card. 

I looked back into Chase to complete my balance transfer and the website stated my card did not have any promotional offers. I called and spoke to a representative who told me balance transfers to not transfer to replacement cards and that I would need to wait for a new offer. I fit this unacceptable, as the agent should have informed me of this prior to cancelling my old card and/or completed the balance transfer prior to doing so.
Product: Money transfer, virtual currency, or money service

Please see the attached complaint made to the NY XXXX  regarding XXXX. After several months delay the issues remain and instead believe this cases handling used to compel XXXX XXXX amidst efforts by those to take advantage of XXXX XXXX   system in takeover attempt of commercial projects. The timing appears connected to a block chain and due to ediscovery innovations linked to my accounts not sure if there are overlapping ip issues beyond the original issues complained about. Not satisfied with the NY XXXX  handling. Shortly after they issued the NY XXXX  issued a message on Virtual Currency 's that was general on fraud and manipulation of virtual currency. Some of the issues extend to blockchain and smart contracts also which XXXX encompasses. However the specific handling of my own matters not appropriate. Please see attachments.
Product: Debt collection

I'm constantly receiving repeated phone calls from Alltran Financial. I have no knowledge of this company, nor have I done business with them, yet they are requesting my consumer report without a permissible cause. Pursuant to 15 USC 1692c 805 of The Fair Debt Collection Practices Act, I demand this company cease all communication with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : XXXX
Product: Debt collection

Company is collecting on a debt that i have no knowledge of. Has not provided wet signature to verify debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any invention result
Product: Debt collection

I received a Collections notice from Monterey Collections dated XX/XX/2018 in regards to a timeshare account with XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent them a letter to dispute the validation of the debt owed as well as to inform Monterey Collections that I have made prior attempts to notify XXXX XXXX XXXX XXXX XXXX that I am disputing the validity of this debt and of my intent to cancel this account and attached membership with XXXX XXXX XXXX XXXX XXXX due to the fraudulent misrepresentations that were made to pressure me into signing the timeshare contract. It has been well over the 30 days since I sent that notice back to Monterey Collections and they failed to respond therefore, they need to remove the account from my name and credit files. However, I recently noticed that they have showed up on my credit report.
Product: Debt collection

arg will not provide me with a hipa transcript with what their billing me for if i dont get this i will file lawsuit against atg credit unless they provide me with my hipa transcript
Product: Credit reporting or other personal consumer reports

Transunion is in violation, late payments are illegal according to 15 USC 1681a 2 ( A ) ( I ) under exclusions. I sent a letter to them which is attached to have the late payment status changed on XXXX to paid as agreed and yet they continue to violate the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My mortgage has been in forbearance for approximately one year in 3-month increments. At the end of my most recent forbearance in XXXX, I requested via the company 's online portal to extend my forbearance again. The automated system informed me that my request was approved, but that I would be sent further information once my application had been processed. During the entirety of my forbearance periods, I was always sent paper mail communications regarding my requests and approvals, however, for my XXXX forbearance request, I was not notified of changes in my allotted forbearance time of one month. Because all of my other requests resulted in 3-month approvals, and I had not opted for paperless communications, I did not receive the information regarding a 1-month forbearance. I was marked late for XXXX and XX/XX/year>2024, however, an automatic payment of {$50.00} was taken in XXXX. For my forbearances, I was on payment plans ranging from XXXX XXXXXXXX per month. If my application was not approved for the forbearance request in XXXX, why was a payment taken in XXXX, and then not in XXXX? Or, if it was approved for XXXX, why was I not notified via mail? When I spoke to a company representative on approximately XX/XX/XXXX, I was told that communication from the company was not sent via mail, but that it was available in the online portal. Again, I did not request paperless communication, so that information should have been sent via mail, so that I would not be penalized in derogatory marks on my credit report. 

I am requesting that the late payment remarks be removed for XXXX and XX/XX/year>2024.
Product: Credit reporting or other personal consumer reports

Complaint to CFPB Regarding XXXX 's Inaccurate Reporting Subject : Complaint Against XXXX for Reporting Inaccurate Information on Credit Report Date : XX/XX/XXXX Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Details : Credit Bureau Involved : XXXX Account Information : Creditor Name : Upstart XXXX XXXX  Account Number : XXXX XXXX I am filing this complaint to request the immediate removal of inaccurate and unverifiable information reported by XXXX on my credit file, specifically concerning the Upstart XXXX XXXX account. 

XXXX is reporting " Charge-Offs ( CO ) '' for the months of XXXX and XX/XX/XXXX, which are inconsistent with the factual history of this account. Furthermore, XXXX has inaccurately reported delinquency statuses, including ( e.g. 60, 90, 120, and 150 days past due ), without proper validation or verification. 
These reporting inaccuracies are violations of 15 U.S. Code 1681 ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, under 15 U.S. Code 1681e ( b ), XXXX is required to maintain maximum possible accuracy in the information reported. Failing to verify this information violates my rights under federal law. 

These violations, along with XXXX 's history of compliance issueshighlighted by the CFPB 's recent enforcement action that resulted in a {$15.00} XXXX fine for failures in investigating credit reporting errorsnecessitate immediate action. 

Request : I respectfully request that the CFPB : 1. Direct XXXX to remove the inaccurate charge-offs and delinquency statuses from my credit report for the Upstart XXXX XXXX account due to their unverifiable and inconsistent nature. 

XXXX. Ensure XXXX complies with its obligations under XXXX XXXX XXXX XXXX ( i ) and XXXX ( b ). 

XXXX. Hold XXXX accountable for its failure to follow proper procedures, causing harm to consumers like myself. 

Attachments : XXXX. Screenshot of the XXXX credit report highlighting discrepancies. 
XXXX. Payment history for Upstart XXXX XXXX from XXXX. 
XXXX. Copy of the CFPB press release on the {$15.00} XXXX fine. 


Sincerely, XXXX XXXX