23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase Bank refuses to properly validate that they were properly assigned both Note and Mortgage from XXXX XXXX XXXX  at the time of consumers dispute on XX/XX/2022. Consumer requests 3rd party audit on the account due to misrepresentation by bank.
Product: Credit reporting or other personal consumer reports

granite bay acceptance ran soft inquiries multiple times over several months without authorization from myself. XXXX shared my credit information to that company when it was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with Transunion ; I filed a dispute back on XX/XX/2023 via certified mail/USPS. I never received notification from Transunion of the results of the dispute and here we are XX/XX/2023. I called and spoke to a rep in the dispute department on XXXX, XXXX, 2023 and he told me that Transunion hadn't received a dispute from me as of recent which is FALSE because per USPS website, my CERTIFIED letter was left with a represenative or agent who collects the mail for TRANSUNION. Transunion is allowing XXXX XXXX XXXX, Account number XXXX to report incorrect and incomplete payment history on my credit report. There is no full complete payment history but the status says that I was 90 days past due. Transunion definitely dropped the ball and didn't bother to proceed with my dispute. I want this account DELETED immediately.
Product: Mortgage

I have the money to pay off the loan. I have been calling the bank since XXXX to pay off the loan but everyone I speak to will not help me settle the loan. They waste my time, put me on hold, transfer me, every single person verifies my identity then transfers me again, I get lengthy messages about how this call is an attempt to collect a debt when it is me calling them asking to settle the debt. I went to buy a truck and there is a USAA charge off showing on my credit for the original amount of this loan. I have had no other credit accounts in more than 7 years. The records I have for the last nine years show only 3 payments applied to principle. I have worked directly with the bank to resolve payment issues to keep the account current. I followed the payment schedule they recommended only to find nothing was going to principle. I nearly doubled my payments so that some of each payment would go to principle yet even with a few large payments to get ahead only 3 payments in 9 year were applied to principle. When I use the on line information to bring the account current and pay more than what shows due the account remains in past due status and nothing is applied to principle. I called the bank to ask how much needed to be paid to bring the account current and still the account was always behind. This bank has called me in the middle of the night, on holidays and six times in a single day while I was at work to harass me about this loan. The balance they asked for to pay off the loan is higher than the current statement balance and barely {$100.00} less than 9 years ago. {$17000.00} today down from XXXX in 2010 and up from XXXX in XXXX of this year. The bank has offered assistance and used that assistance to manipulate this into a never ending loan. I wish to negotiate a reasonable pay off. This started as a XXXX loan to repair the roof and paint the house I purchased. Based on all interactions with this company I can not make another payment on this loan until I have a clear written agreement that the bank will honor this payment to actually settle this debt and restore my credit to reflect the years that I have made payments to keep this loan current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in XXXX XXXX. A public lien was placed on my acct. I was able to provide proof to the reporting agencies and sent them a copy of the paperwork over 2 months ago ( again ) as I was just reminded of this again when I checked my reports. Nothing has been done about this and they are still reporting the lien on my credit report. I have the proof from the XXXX of XXXX XXXX and they wo n't remove it from my report. Looking to get this matter resolved as I 'm trying to buy a home.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report and referenced in CFPB Complaint ID XXXX, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, TransUnion has failed to acknowledge or resolve the issue. 

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. 

The following inquiries were unauthorized and must be removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

I purchased a brand new car in XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX of XXXX in Massachusetts with ongoing engine light and technical issues. I reached out to the dealership and their customer support twice to repurchase or refund of the purchase and I got denied twice. I believe this is an unfair practice, selling the vehicle to me with so many issues. 

Below dates pertaining to the issues with the car since purchased. 

. XX/XX/XXXX Check Engine Light On XX/XX/XXXX Return my car for service, the dealership was unable to address additional issues on XX/XX/XXXX. ( My car was at the dealership for service for almost 1 month ) On XX/XX/XXXX Check Engine Light XX/XX/XXXX Airbag light came on. 
XX/XX/XXXX Airbag light came on. 
XX/XX/XXXX Check Engine Light XX/XX/XXXX Went to pick up the car and found out other issues with the car ( reverse traffic detection not available, unable to connect phone to the car ) The car was at the dealership for over a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX
Product: Money transfer, virtual currency, or money service

PNC Bank no longer accepts connectivity with XXXX.
Product: Mortgage

Celink is the company. The loan was initially processed and approved by XXXX XXXX. They followed illegal practices because my deceased Father should have never received approval for the reverse mortgage loan. He forged my name and did not have my permission to take out the reversed mortgage. I knew nothing about it until after he was deceased and the loan became due. Now I stand to lose my home which was inherited from my deceased Mother free and clear of any debt. I explained to Celink I knew nothing of the reversed mortgage but they have not presented all the information I requested. Now they have foreclosed on the home but I am still here living in it trying to reopen my case and not be evicted. I originally contact XXXX XXXX and paid them lost of money every month to fight on my behalf but they took advantage of me and milked my pocket of money I didn't have to spend. The Lawyer at XXXX XXXX decided to leave the company and closed my case. It is very sad what these reversed mortgage lenders are doing to steal the property from families. I know XXXX has a class action lawsuit but this needs to be a US federal issue that needs to stop. Unless they require recipients of the money to insure the loan for the full amount so it is paid off upon death, this is a very unfair practice of stealing properties. Can you help me and many others like me who are struggling to stay in our homes and did not receive XXXX XXXX of the money received by the reversed loan recipient.
Product: Credit reporting or other personal consumer reports

I sent 3 rounds of letters to dispute my account and nothing has happened.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.

You and your inaccurate reporting have damaged my livelihood.

15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies : a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; Exact Prohibition : a law or regulation forbidding something As define by the IRS- Even if you didnt receive a form 1099-C you must report canceled debt as gross income on your tax return. 
Account # XXXX balance of XXXX XXXX XXXX XXXX XXXX XXXX  This is a charge off and I demand a form 1099c for tax purposes!
Product: Credit reporting, credit repair services, or other personal consumer reports

{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). Specifically, I request your assistance in investigating and removing the inaccurate entries that are affecting my credit profile.

According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ), inaccurate or unverifiable information must be promptly addressed and removed from a consumer 's report. 

After reviewing my credit report, I have identified the following inaccuracies requesting for removal immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX Transunion Credit Accounts XXXX XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX XXXX Credit Accounts XXXX  XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$14000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 1 Capital One Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the Capital One card was opened on XXXX of XXXX .. Once I was XXXX, I got a copy of my credit report and I notified XXXX and Capital One about these accounts and I also notified all 3 credit bureaus about this and they removed them from my report. Then they were put back on my credit report because XXXX and Capital One said that they were my accounts but I never opened them. I was XXXX I sent proof to them and to the credit bureaus. XXXX and Capital One still maintains that they are my account and they are not. Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/18 I TRIED TO CONTACT EXPERIAN TO REMOVE A CREDIT FREEZE. I COULD NOT GET EXPERIAN WEBSITE TO FUNTION. I CALLED AND WAS UNABLE TO GET PAST THE AUTOMATED PHONE SYSTEM. IT SEEMS THEY HAVE DEVISED A PERFECT SYSTEM TO AVOID ANY CONTACT FROM CONSUMERS. THIS IS DELIBERATE DISCRIMINATION AGAINST CONSUMERS DESIGNED TO FRUSTRATE THEM INTO GIVING UP. I HAVE SENT THEM A LETTER REQUESTING THAT THEY CONTACT ME.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX oversees my XXXX XXXX  store card. XXXX XXXX XXXX   claims that I was late in the month of XX/XX/XXXX ; I was only informed because of a credit alert that came to my email on XX/XX/XXXX.

My wife paid my bill, and made two extra payments in calendar year XX/XX/XXXX ; we have never missed or been late with a payment.

In XX/XX/XXXX my wife called the XX/XX/XXXXXXXX  automated system to ascertain the amount of our payment for the month. The automated system stated that no payment was due - {$0.00}. She paid the payment for the month of XX/XX/XXXX assuming that the payment would not change, as she had made 2 additional payments inXX/XX/XXXX, and the automated system stated no payment due forXX/XX/XXXX.

I called XXXX XXXX XXXX   immediately upon receipt of the alert on XX/XX/XXXX and was informed that we had not paid inXX/XX/XXXX or XX/XX/XXXX and that the amount due was over {$160.00}. I paid them {$200.00}, and explained that their had been a mistake. Had we known that a payment was due in XX/XX/XXXX we would have paid it, and the XX/XX/XXXX payment, which they did receive in XX/XX/XXXX would have sufficed.

I have submitted disputes with XXXX  and XXXX XXXX. XXXX XXXX XXXX did remove the late fees, and did remove the late payment fromXX/XX/XXXX but refuses to removeXX/XX/XXXX, even though a payment was received. I also informed XXXX XXXX XXXX that their automated system may have been mistaken, and recommended that they investigate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXXXXXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I finance a car though USA Auto finance company Payments are Due bi weekly been paying it for 2 years or more The finance company doesn't exist now as of sometime in XXXX there was no letter stating where or why US Auto no longer exist they sent it to a debt collector contacted them to see where I'm supposed to send payments no response. I received a letter that I oweXXXX  to Westlake Portfolio Management . LLC they have that I've paid XXXX when I called the Westlake place the lady I spoke to could not find the account even though it was on the paper they sent .asked me for my SS # and name asked her why US Auto didn't send me something in the mail about them no longer in business she didn't give me any answers and why didn't it have what I paid already in the 2 years again no answer it was like I was talking to myself I have a contract with US Auto not Westlake I asked her who do I make the payments too she again no answer she told me to call the number I called and give whoever my card info she was silent with no answers Then had the the nerve to say Is that all for you today. I said no you didn't answer none of my questions.
Product: Credit reporting or other personal consumer reports

Bankruptcy on my report dated XXXX  incorrect no bankruptcy in XXXX
Product: Mortgage

Lakeview bought my VA home loan from XXXX. Lakeview then informed me that there was a shortage in my escrow of $ XXXX. So they proceeded to increase my escrow payment from $ XXXX to $ XXXX for a period of 12 months. Their reasons were 1 ) to pay back the shortage to fill a reserve and 2 ) an increase in expected property taxes. I was made aware of neither of these reasons, nor shown proof of the tax increase. For there to be a shortage in escrow reserve of $ XXXX, that would equal much more than a reserve of $ XXXX ( with increased purported taxes ), the limit if exceeded would be in violation of VA loan reserve regulations. And for my escrow payment to jump much more than 200 % would be in violation of TILA-RESPA payment estimation regulations. If there was such a gross oversight in original estimation, then Lakeview as the buyer of the loan should pay for their poor due diligence, not me. I called Lakeview numerous times and finally came to an agreement with a supervisor about payment. But then weeks later, I called and waited to check status, only to find that the agreement had been rejected by a different department of Lakeview. Lakeview has not contacted me since. So now I have engaged an attorney to further deliberate. Lakeview 's actions to me as a customer, and most likely many more, has been ILLEGAL. And Lakeview hides their actions behind terrible customer service and opaque communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested the XXXX credit bureaus ( XXXX, Experian, and XXXX to remove the incorrect name and addresses and they did not do it. The incorrect spelling name on my credit report is " XXXX '' and the incorrect addresses are as following : XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All XXXX addresses are not my past or present address.
Product: Money transfer, virtual currency, or money service

A wire transfer was made from XXXX XXXX at XXXX XXXX to my Companys account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at JP Morgan Chase in the amount of {$17000.00} on XX/XX/2022 the Money was fully transferred. Chase bank refused to give me the money and they never returned the money to the sender. I have called and visited the bank so many times to retrieve the money but they claimed the money has already been sent back and there is nothing they can do. Moreover, the Sender has also tried so many times at his XXXX XXXX branch they still did not release the Money to him. I will be happy if you will help me retrieve this money from Chase Bank.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately in Accordance with Delaware FCRA Identity Theft Fraud Laws Dear NETCREDIT, I am reaching out to address a serious breach concerning the unauthorized dissemination of my personal information to credit reporting agencies, which directly contravenes the Fair Credit Reporting Act ( FCRA ) as delineated in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Delaware 's pertinent financial laws, including but not limited to Sections 222.503 and 222.506 of the Delaware Code , and identity theft fraud statutes, particularly Delaware Code Title 11, Section 854.

It has recently come to my attention that NETCREDIT has been actively furnishing my confidential data to credit reporting agencies without securing explicit consent. Federal law unequivocally dictates that consumer consent is an absolute prerequisite for such actions under Section

1681b ( a ) ( 2 ) of the FCRA. In alignment with federal mandates, Delaware state law, particularly Section 222.503 of the Delaware Code, underscores the imperative nature of consumer consent for any credit reporting activity. Furthermore, Section 222.506 of the Delaware Code sets forth stringent criteria for the fair and accurate dissemination of consumer credit information. Concurrently, Delaware 's identity theft fraud laws, specifically outlined in Delaware Code Title 11, Section 854, unders
core the gravity of illicit access and misuse of personal data.

I assert, with utmost certainty, that I have not provided consent for NETCREDIT to disclose any of my information to credit reporting agencies. This undeniable absence of explicit permission constitutes a blatant violation of my rights, potentially jeopardizing my creditworthiness and exhibiting a flagrant disregard for both federal and state laws.

I demand, unequivocally, that NETCREDIT immediately cease any further dissemination of my information to credit reporting agencies without securing my explicit consent, as mandated by Sectio

n 1681b ( a ) ( 2 ) of the FCRA and Sections 222.503 and 222.506 of the Delaware Code. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under relevant laws, including Delaware 's identity theft fraud statutes. It is imperative to emphasize that obtaining consent is not discretionary but rather a legal obligation under the aforementioned sections of the FCRA, Delaware state law, and identity theft fraud statutes. This communication serves as a d irective for compliance with federal and state regulations, safeguarding the rights of consumers, myself included, against unwarranted and detrimental credit reporting practices.
I anticipate your immediate attention to this matter and expect NETCREDIT to expeditiously rectify these egregious violations, thereby honoring my rights under federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old XXXX XXXX were sealed in a court of law however some companies still have old records and release them without permission I have reached out to companies and asked to have my information removed from there data base but I just ran my XXXX report and my old court records came up I have also asked XXXX to remove these as well but yet has not happen