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

My credit score was dropped XXXX points more than it was supposed to have been dropped. I filed a complaint with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon discovering numerous fraudulent accounts on my credit report, I immediately recognized that I had fallen victim to identity theft. I promptly contacted the local authorities and made every effort to have these fraudulent accounts removed from my credit report. Despite my persistent endeavors, all but one of the fraudulent accounts persist, inflicting considerable harm to my credit health. One such account is a credit card issued by XXXX, bearing the account number XXXX and carrying a balance of {$2100.00}.
Product: Mortgage

My husband and I fell behind with our mortgage - we were approved for a TPP - at the second month the mortgage transferred from Ocwen to PHH mortgage - we completed the 3 month TPP and then PHH refused to accept payment, they accelerated even though I notified them that the final mod did not arrive - I've spent hours on the phone - was told they mailed it on XX/XX/XXXX - again it did not arrive and I phoned them on XX/XX/XXXX and again on the XXXX - I then sent a QWR which I was anticipating an answer -they signed for on XX/XX/XXXX. They again, would not accept a payment - Our TPP period was XXXX XXXX and XXXX - The distress of the transfer and the inability of PHH mortgage has caused so much stress. We were 2 months behind when we applied for the modification - and after 3 months of this TPP and how our funds were applied -we are now due for 6 months of payments ( XXXX - XXXX ). This mishandling of our mortgage has forced the acceleration to the foreclosure status. As the fear that the final mod detail would not be provided and with PHH refusing payment to keep the TPP in place -I 've spent hours on the phone with PHH and each call resulted in contradictions of information - which causes much confusion to us. Finally, on XX/XX/XXXX, the TPP was sent via email from PHH Mortgage. We were shocked to see the terms associated with the modification. We have 6 years left on our mortgage with no balloon. The final modification showed that the term would be extended to XXXX years and result in a XXXX Balloon at the end - HOW IS THIS FAIR? I specifically asked Ocwen when the TPP was offered how this modification would work -I was reassured that there would be no long term extension and without the ability to see the full details, I needed to have faith and complete the 3 month TPP. With the threat of foreclosure with XXXX being the next payment due according to the modification ( which PHH refused ) -I borrowed money from a family member for the past due payments - XXXX. I overnighted the funds to PHH who signed for the delivery on XX/XX/2019. To date - a full week later, PHH has not acknowledged receipt of the funds, has not applied funds to our account. My last call to PHH was on Thursday, XX/XX/XXXX - and I was told to " give them time '' I was reassured that they escalated this - and yet, no answers have been provided. I then get an email yesterday that states that they have yet to receive the certified check? I also have escrow issues - where I asked to
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reported as delinquent and repossession with a balance. The vehicle was sold in house by dealer XXXX XXXX XXXX XXXX after possession, assuming full payment of balance immediately. XXXX failed to provide proper notices after repossession, including notice to sell or balance charges. XXXX offered to remove balance only if another vehicle is purchased with a new loan with creditor and threatened to continue reporting inaccuracies. I have proof of the vehicle being listed/sold on the dealership within XXXX week of surrender and also proof of lender providing inaccurate balance/amount information. In the state of VA, creditor chose to keep vehicle and not send to auction so balance is XXXX. There were many of discrepancies on this account included a gauged price and improper collection violations. Vehicle was surrendered in XX/XX/2022 and to date I have not received any balance letters, final account statements, the REQUIRED notices following the voluntary repo, or any other legal notices regarding this account. Creditor is only willing to offer a new vehicle and loan to resolve the balance. Please delete this account from all credit reporting agencies immediately as consumer rights have been violated.
Product: Vehicle loan or lease

XXXX XXXX Your Address : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Navy Federal Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX Interest Rate Hike To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) regarding an ongoing and unresolved issue that has severely affected my finances and overall well-being. 

On XX/XX/XXXX, I purchased a XXXX vehicle through Navy Federal Credit Union in XXXX, XXXX, which is my primary residence. The vehicle was later shipped to my second home in XXXX, XXXX, where I have established residency and hold a SXXXX XXXX driver 's license. On XX/XX/XXXX, I paid all applicable taxes and titled the vehicle at the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ). Unfortunately, I inadvertently failed to list NFCU as the lienholder on the title. 

To rectify this, I have returned to the XXXX  XXXX XXXX separate times and followed all proper procedures to have the title corrected. Each time, I had an NFCU representative on the phone with the XXXX to ensure the process went smoothly. Despite my diligence, NFCU continues to insist that the title issue has not been resolved. I have called NFCU at least XXXX times, speaking with various representatives and supervisors, yet they have been unable or unwilling to provide a resolution. The continued finger-pointing between NFCU and the XXXX XXXX  is both frustrating and unprofessional. 

What is particularly alarming is that NFCU has unjustifiably increased my interest rate and monthly payments due to this unresolved issue. This predatory action is putting undue financial strain on me. As a XXXX XXXX XXXX  with significant health issues, this situation has greatly exacerbated my condition, further endangering my health and financial stability. 

Despite my repeated efforts to resolve this matter in good faith, there is still no resolution as of XX/XX/XXXX. I am requesting the Consumer Financial Protection Bureau 's urgent intervention to address the following : Immediate correction of the vehicle title to properly reflect Navy Federal Credit Union as the lienholder. 
Restoration of my original interest rate and monthly payments to their pre-issue amounts. 
An end to any further punitive actions or interest rate hikes stemming from NFCU 's negligence. 
An investigation into NFCU 's handling of this matter, including potential violations of fair lending practices. 
This situation has been a source of extreme distress and is now affecting my health. I respectfully urge the CFPB to act swiftly to ensure this matter is resolved and that NFCU 's unjust actions are corrected. 

I look forward to your prompt response and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My Experian, XXXX and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, Broken Arrow, OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my Experian, XXXX and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

Asked in writing that my PMI be canceled and an appraisal be ordered on XX/XX/XXXX. Called in several times due to no contact and still no response and different answers when I call. Keep getting the runaround
Product: Debt collection

In response to SPSs responses of XXXX and XX/XX/XXXX, they continue to state, You also raised several claims regarding fraud. We have reviewed your claims and found no merit to your allegations. SPS is confident that the servicing of the loan by SPS has been compliant with all applicable state and federal regulations. I continue to make these allegations and further reiterate SPSs complete incompetence in responding to legitimate questions regarding their fraudulent activities which go unanswered. On XX/XX/XXXX, I wrote, Also, BPOs are riddled with errors, e.g., the property has no well, one BPO has repairs needed, others do not, property is not the property described in any of the alleged notes and several state XXXX acres and others state XXXX acres. BPOs are completely fabricated and erroneous. And thirdly, persons conducting inspections are trespassing on private property by their own admission. Although they state they leave pamphlets at the door, not one has been discovered. Cease and desist any and all inspections/BPOs immediately. These concerns were never addressed in SPSs response of XX/XX/XXXX. 

On XX/XX/XXXX, I wrote, On XX/XX/XXXX, the Estate of XXXX XXXX XXXX received correspondence from SPS stating, " ... This letter is to notify you that the ownership of your mortgage loan has changed. The terms of your mortgage loan have not changed ... '' " ... The ownership of your mortgage loan has been transferred to XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX XXXX does not make mortgage loans but instead purchases, or is otherwise assigned, mortgage loans from lenders and other entities ... '' If that is the case, then why is there a XXXX XXXX  Mortgage Assignment ( XXXX ), holders of XXXX XXXX XXXX, dated XX/XX/XXXX filed with the XXXX XXXX, NY land records. This assignment is fraudulent and needs to be removed from County records, along with a Corporate Assignment of Mortgage, dated XX/XX/XXXX. SPS has not responded to this fraudulent activity and the Mortgage Assignment remains on record ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$490.00} XXXX   XXXX {$600.00} XXXX  XXXX {$500.00} XXXX  XXXX {$630.00} XXXX  XXXX {$410.00} XXXX   XXXX  XXXX {$410.00} XXXX   XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 XXXX  XXXX XXXX error 30 day late payments reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which need to be updated to on time. Due to XXXX XXXX Error payments were made on time.
Product: Mortgage

Please see attached documentation. It explains I quick deeded the property in 2010 and have no further obligation financially to this however Chase continues to report it to all three credit bureaus and there are lates associated with the property that are very detrimental to my credit and it is illegal.
Product: Debt collection

I have received odd calls from this firm, or persons representing themselves to be this firm, before over the years. I suspect someone either has me confused with another XXXX XXXX, or is simply trying to do fraud. 

Today 's very low quality, muffled call was hard to understand. The originating on caller i.d . was XXXX XXXX XXXX XXXX XXXX XXXX today XX/XX/XXXX. Fake phone number. This comes up as a " not in service '' number. The company he claimed to be calling for was ESTATE INFORMATION SERVICES, a firm located at XXXX XXXX XXXX XXXX XXXX XXXX, and whose actual number is apparently ( XXXX ) XXXX, He claimed to be named " XXXX '' or something very similar. The " spoof '' number suggests this might've been a real representative, and the apparent " chain '' number he gave, which I struggled to hear and record, led to EIS, so...

It was a discussion of a deceased person whose first name was " XXXX '' but whose last name I could not interpret. I know a few people named " XXXX '', mostly just acquaintances, and only XXXX is a cousin I barely know. She is very much alive. There is surely no one whose whereabouts or status can be contributed, and there is no one with that first name for whose debts I am remotely responsible. It was effectively a harassing call. 

It may be yet another case of mistaken identity. I have not been to Ohio for over XXXX years, never bought much more than a meal there, and have no mortgage or overdue bills of any kind. 

Went ahead and blocked any and all numbers I could find for this firm. 

This seems to be a scam of some sort, or perhaps just stupid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items are unknown to me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was a victim of Equifax data breachand I was not aware of this information until XX/XX/XXXX of XXXX. However, I subsequently have been exposed and up for damages, untold, and unforeseen, consequences, and harm. I have disputed many, many claims with Equifax that have been completely ignored or overlooked until I made my claim for loss due to this data breach. I have had many aliases unknown addresses black web threats and actual fraudulent transactions on my report. That have since been removed as well as all of my disputes from my records, besides 3. Equifax continues to report negative information on my credit report. I have the highest interest rates on my personal loan, XXXX  % and the hardest time using my credit amongst denial for apartments and jobsbanks insurance denials and countless other disadvantages due to my report having negative incorrect information and accusations of my credibility and credit worthiness.
Product: Credit card

The credit card company closed my credit and sent me new one. 
A handyman worked for me between XXXX - XXXX, XXXX which I paid him for what he did, but he took 2 month illegal break. He said he would be done in XXXX, but he only worked a few hours so only completed nearly 40 % of the work. Oddly Ive had to cancel and replace XXXX credit cards recently in last few months between XXXX - XXXX that he couldve easily picked the lock, found safe keys, and got into my safe. Every card he didnt have access to hasnt been canceled and replaced since hes been there which led me to one persons fraud and thats my old handyman. Therefore I put pad locks and alarm system since I had to ask for some things back already. I have his address from his sons whose XXXX drivers license if correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account has shown up own my credit report fraudulently. The account shows a balance of {$2000.00}, which I had to call and settle with the company just to purchase my home last year costing me thousands of dollars. This issue almost cost me owning my own home. I disputed the fraud account XXXX and XXXX has taken off the fraudulent account, XXXX on the other hand has not removed the account that is hurting my credit score and reporting falsely on their systems. I have disputed this item multiple times. I even attached an FTC report and filed another dispute XX/XX/2022. Those result came back as updated. This item is detrimental to my credit profile and is against the CFPB. My credit profile is my financial representation and this false and fraudulent account is harming any new possible opportunities.
Product: Checking or savings account

On XX/XX/XXXX, I checked my business account balance and saw a pending transaction for {$100.00} as well as a transaction that posted for {$20.00}. The available balance in my account did not cover the amount of these transactions so I transferred {$45.00} to my account cover it, bringing my balance to {$100.00} ( according to Truist 's online banking system ). The next day, XX/XX/XXXX, the pending transaction of {$100.00} posted to my account along with an overdraft fee of {$36.00}. I am confused as to why I was charged an overdraft fee since I made a deposit to cover any pending transactions I made the day before. According to the XXXX Truist reps I spoke to ( XXXX by phone and XXXX via chat ), there was a pending transaction of {$10.00}, which made my account negative. That {$10.00} transaction then posted the following day ( XX/XX/XXXX ) and XXXX {$36.00} fee was charged to my account. I did not see the {$10.00} transaction pending on XX/XX/XXXX, so it had to hit my account on XX/XX/XXXX ( or else I would have deposited more than {$45.00} on XX/XX/XXXX when I checked my account ). I understand receiving an overdraft fee for the {$10.00} transaction but I do not understand why I was charged XXXX overdraft fees. Truist seems to think they are in the right but it does not seem right to me. They also have a policy saying if a deposit is made by XXXX, it will post to your account that business day. I did this. And I deposited cash. I don't see what I could have possibly done to not be charged this fee. I asked them what I could have done differently to avoid this fee and the representative just recommended more bank products to me. I have screenshots of my chat conversation as well as a screenshot of my bank account for these 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Transunion disputing inaccurate information on my credit report. They sent me a letter stating that it was verified. I then sent a follow up letter on XX/XX/XXXX asking how was a bankruptcy verified if I contacted the courthouse, spoke to Ms. XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to Transunion ? So, how did they retrieve this information if the US Bankruptcy of XXXXXXXX XXXX did not provide such information to them. 

This unverified and inaccurate information they are reporting has made me paid several thousands more in interest and is preventing me from getting approved for a mortgage. So I demand that Transunion delete this item from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see file attached called " Letter for Experian and XXXX. 
for a complete description, with all required information with additional documents attached. 

This was also sent to XXXX XXXX today, through XXXX XXXX XXXX. 

XXXX XXXX requires to include by mail, the personal information that C.F.P.B. instructs us not to include here, so the attached letter contains that personal information, but I decided to prepare a new version for the C.F.P.B. 
to be included here for XXXX and Experian, which does not include the personal information. 

The document called Scan 3, is a copy of a cover letter provided by a bank officer from XXXX XXXX Branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX P.R. It was just one of the communications I sent through the same Bank branches and bank officers about this, proving I always kept contact. Other communications, not all, appear as documents called " XXXX XXXX '', the central office XXXX Officer assigned to my case. 

The Petition for Rehearing at the Supreme Court, which was denied last XX/XX/XXXX, just as much of the 7,000 to 8,000 Petitions they receive was also included, identified by a too long autogenerated number for its PDF file. 
The Document called Rehearing Denied shows what the Supreme Court of the U.S.A. 
shows publicly, but they decided not to post everything. 

A page appears at the Supreme Court website saying additional information is available at the Clerk 's Office, showing additional info. not shown, like : XXXX XXXX XXXX attorney motion to substitute XXXX as defendant on my Lawsuit, for XXXX XXXX, the one who granted me the loan to update the XXXX Loan back in XX/XX/XXXX, because they said, now XXXX XXXX owns XXXX XXXX Puerto Rico, because they purchased it : But, the fact is XXXX XXXX still exists nearly anywhere in the world, but not anymore in Puerto Rico. 

I only sued XXXX XXXX : the same judge of the incorrect opinion, denied this motion to substitute party to XXXX XXXX, as shown and included, as Document 162 main. 

The document called 2 letters XXXX XXXX, shows a recent XXXX XXXX XXXX letter, where in XXXX, XXXX XXXX XXXX XXXX XXXX makes reference to another included letter in English, where they wrote XXXX account status is mostly responsible for the adverse credit decision, denying me a loan back in XX/XX/XXXX. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Transunion has violated my rights by reporting the following accounts in violation of Federal law. 

XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX  Account # 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.