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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been trying to get a freeze lifted on our credit reporting files for over a week. All three major credit reporting agencies have forced us to jump through a ridiculous number of unnecessary hoops to get this done. They have all forced us to answer ridiculous questions supposedly to identify us, when they already had more than enough information to do so. Experian was the worst of the three.  Today, XX/XX/27, my husband and I made our final attempt to contact Experian and miraculously we were able to speak to a human instead of being routed in a circular manner right back where we started. I spoke to a man named XXXX. He refused to give his last name, or where he was located. He finally gave me an ID number, XXXX. I had researched answers to some of the ridiculous questions the other reporting agencies had asked, so I was ready for most of them. After going through the ridiculous questions I told him I wanted to remove the freeze on my account. He paused for a few seconds and then told me there was no freeze on my account. I told him that some lenders had told me there was a freeze. I said, so you are telling me there is no freeze and he said yes. Then I asked when a freeze had gone into effect and after another pause he said, " oh yes, there is a freeze ''. He agreed to lift it and gave me a confirmation number, XXXX.
Product: Debt collection

1. Around XXXX 2017 & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with XXXX XXXX attached will be the 3 recorded satisfactions/release while the judgement on this mortgage was left opened. 
2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to XXXX XXXX & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which XXXX XXXX told us was OK to release to them their attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting closing an account on XX/XX/2021. I do not recognize Thais account.
Product: Vehicle loan or lease

I refinanced my auto loan from XXXX XXXX  to Upgrade in XX/XX/XXXX. 

Upgrade had me sign documents giving them collateral ( my vehicle ) ; Upgrade lists the loan in my online profile as " auto loan ''. Upgrade reports the loan to credit bureaus as " personal loan '' NOT auto loan..which it is. I requested Upgrade to correct the reporting as an auto loan not personal loan. I was told " it doesn't matter ''. ( yes, it does ). 

Further Upgrade has not provided monthly statements. I've emailed and called. I was told over the phone I need to call monthly to get a statement : ( So far I have only XXXX document : XX/XX/XXXX showing in my online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

i requested all XXXX reports from XXXX website, XXXX & XXXX provided access to their reports but Trans Union did not. Trans union stated I would need to apply for it via U.S. mail & would receive it in 2 to 3 weeks so I did and waited for my report to come, instead of a report Trans Union sent me a form asking for everything but my DNA. Now it 's been a few weeks and I still do n't have my report. Trans Union is making what should be a simple process very difficult and time consuming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to delete the following information in my file.The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit.please delete the items as soon as possible.
Product: Checking or savings account

In early 2020 my apartment was broken into and several identity documents were stolen. After this theft I found several accounts had been opened in my name without my knowledge and then later found that several accounts that I had opened had been compromised by a third party. I did open a Robinhood account along with their Spend account. I later discovered that my Robinhood account had been accessed by a third party and several withdrawals from my spend account card had taken place. I attempted to dispute this with Robinhood both online and through their app but their customer service was incredibly unhelpful and after multiple attempts over the course of many months to file this dispute I finally had to resort to filing this complaint with hopes that this intervention will cause Robinhood to finally act. I did file a police report and have attached the report to this complaint along with a full list of items to be disputed.
Product: Debt collection

The company ( Universal Account Servicing ) calls me every day after I explained the situation to them : that the service provider XXXX XXXX XXXX cancelled all my services without providing me with promised refund. They owe me more money than the current balance on the Universal Account Servicing account.
Product: Credit reporting or other personal consumer reports

I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting. I should receive a {$1000.00} for each incorrect reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an alert from XXXX XXXX regarding a hard inquiry on my Transunion report from XXXX XXXX XXXX  which I did not recognize or authorized. I called XXXX XXXX XXXX  to verify and dispute the inquiry that was placed. The representative from XXXX XXXX XXXX  told me that there was a credit card application submitted with my information on XX/XX/2022. I told the representative that I did not authorize nor submitted an application for a credit card. The representative went ahead and withdrew the credit card application from their system and provided me the following reference number : XXXX. I asked the representative from XXXX XXXX XXXX  on how my application was submitted and they told me it was done online. I then followed up by contacting Transunion to report the fraudulent activity and dispute the hard inquiry. I was directed by Transunion to file a report with the FTC and provide them with a cover letter explaining the situation to remove the inquiry from my report. I am not aware of how my personal information was obtained but I did not authorize this inquiry.
Product: Credit card

I got a letter in the mail to collect a debt from a paypal credit card that I never opened. When I called and talked to a PayPal credit card representative they informed me the card was opened in XX/XX/year> and they made a charge of roughly {$3900.00} and paid it off using my Paypal Wallet, and there is still an unpaid balance of roughly $ XXXX. If I wouldn't have recieved the late payment letter in the mail I would have never known. They informed me they must have my PayPal login because that is how they applied for the paypal credit card. So, I am potentially being scamed twice with the new unauthorized credit card and then the card that they are using to pay off the balance.
Product: Vehicle loan or lease

Ive been paying my car note I financed with Capital one Auto financing a used car that was priced at XXXX so far since having the car Ive paid over {$20000.00} however only XXXX was applied to my actual principal XXXX the bank is still requiring me to pay XXXX more which would total me in at about {$34000.00} I end up paying. I know What is being done to me is illegal and was set in place for me to fail. How can i pay {$20000.00} on a used vehicle that was priced at XXXX and only XXXX be put towards my actual loan. Please help my credit is ruined and i receive public assistance.
Product: Mortgage

Starting XX/XX/XXXX, Rocket mortgage request documents to assist with the application for success to reduce or repay a past due mortgage that remain after XXXX XXXX voluntary dismissal. An application was required, which was received and completed. Documents requested were sent multiple times, and the reply continues to be " we did not get them ''. XXXX was sent more than twice to request the same documents over and over. Several calls were made to Rocket Mortgage with the person from the accounts resolution team confirming the documents were received, however I was read the notes which stated all the information had not been received, then again maybe got cross in the mail and the account would be noted as such. This went on from XXXX to XXXX stating I was still missing something HOWEVER, Rocket mortgage had no intentions of working with my wife and I at all. The rouse was to tell us that documents were not received while preparing default letters, then a closure letter, stating that since documents were not received we are closing this file was only to buy time with a continued excuse Rocket Mortgage never received requested documents. A few days later I received a certified letter from their attorneys declaring the unpaid amount with numerous fees. All along the information was received but Rocket Mortgage are only interested in receiving {$3500.00} right now, which is pass due amount then a further balance of {$43000.00}. While this scheme went on every day, stating you miss a signature here, another mail said you left out the address, still another one, you didnt answer this question..for several weeks with an account resolution team member confirming, yes we received and maybe it just cross in the mail, afterward we received another correspondence from Rocket Mortgage ; a closure letter stating that since the information was not received we are closing our efforts and foreclosure will continue. Since then, Ive received a certified copy of an order sent to their attorneys with the intent to foreclose. I am filing this complaint regarding the lack of communication that appears to be INTENTIONAL with the unscrupulous efforts to attempt foreclosure. This is a HELOC loan that was taken out in XXXX, and now has a balance of {$43000.00} with {$3000.00} past due. 


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

I am locked out of my Transunion online account. I want to change my PIN # because of the XXXX XXXX Breach.  ( I am worried that the hacker has my PIN number to all 3 bureaus! So I want to change them, much the same way we would change our passwords. ) When I call Transunion, I get transferred again and again ... this after I explain what I need to each one of them. I have spoken with 6 different individuals, but no one can help me. One very  knowledgeable gentleman said that there are multiple accounts open in my name, and that Is the reason I am unable to logon. He said that only Transunion can clean up the mess so that I can logon and change my PIN number. But he needed to transfer me to another department. After another hold, a female answered, and I told her the issue. But she said that she could n't help me. She said I must have the wrong department! Really??? She transferred me back to a number where I started! lease help me. This should be simple to fix, but they do n't know seem to know what they are doing or where they are transferring me. I 've spent enormous time on this effort, and I have a full-time job and can not keep doing this. Please help me. If they ca n't figure out how to clean up my accounts and merge them into one, can they change my PIN so that I have some security post the XXXX  breach. That 's all I want!! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX CT XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Florida Account # XXXX, XXXX XXXX Credit Account # XXXX, XX/XX/XXXXAccount # XXXX, XX/XX/XXXX Account # XXXX,XX/XX/XXXXAccount # XXXX, XXXX Account # XXXX, XX/XX/XXXXXXXX Reference Account # XXXX, XXXX 's XXXX XXXX andXX/XX/XXXX XX/XX/XXXXXXXX Account XXXX XXXX has violated my rights. 

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 states : A consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, these creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section XXXX states I have the right to privacy. 

15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I paid my card off in XX/XX/XXXX with American Express XXXX XXXX & had them close the account. I was assured account was closed & I wouldn't recieve anymore charges but in XX/XX/XXXX I was sent a message stating I owed {$40.00}, called the company & they verified that the account was closed but they wouldn't take off the fees that they caused. I was told in XXXX the amount I owed & paid it that day. There should have not been any other fees attached but still charged me fees. I tried to get the fees dismissed but they wouldn't which lead to a confortation due to my frustration with this company & their unwillling to remove the charges. I was forced to pay the amount because they ruined my credit.
Product: Mortgage

There has been non disclosure and various instances of fraud. There has been illegal loan assignment and transfers. SELENE FINANCE is attempting an illegal foreclosure. I have received and NOTICE OF DEFAULT with intent to ACCELERATE. They have not answered any questions or proven they have standing to foreclose. 
Issues that Caused irreparable damages:1. Security deed has fraud on its face and is forged. 
2. Contract based on fraud due to none disclosures. 
3. Notice of default sent prior to assignment ( 2010 ) 4. XXXX XXXX was never given 30 day notice prior to the scheduled foreclosure sale5. Foreclosure Sale date set without ownership6. Assignment filed with forged document7. Assignment has fraud on its face8. Assignment appears to be robo-signed9. MERS transferred Security Deed without express written authority from owner10. MERS transferred Note without express written authority from owner11. XXXX accepted fraudulent and forge assignment and file into the public record12. XXXX stated XXXX XXXX is owner of loan/note13. XXXX XXXX has not responded to my correspondence14. I XXXX XXXX the owner of the home was forced into bankruptcy due to fraud and forgery. 
15. XXXX is servicer and according to Federal Law a servicer can not be an assignee. 
16. XXXX is currently fraudulently being paid thru XXXX XXXX existing chapter XXXX bankruptcy17. XXXX has committed perjury in XXXX XXXX chapter XXXX bankruptcy by stating they are the owner. 
18. While in litigation with XXXX and waiting for answers to my various questions XXXX abruptly and illegally transferred the loan to SELENE FINANCE. 
19. SELENE FINANCE is servicer and according to Federal Law a servicer can not be an assignee. 
20. SELENE FINANCE stated XXXX XXXX is owner of loan/note21. XXXX XXXX has stated to me verbally that they do not own any loans22. SELENE FINANCE is currently fraudulently being paid thru XXXX XXXX 's existing chapter XXXX bankruptcy23. SELENE FINANCE has committed perjury in XXXX XXXX chapter XXXX bankruptcy by stating they are the owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate.

Why do I need to have them update when the bureaus should do the investigating?

Next, I have called the companies and have sent letter already attempting to verify the information.

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Product: Mortgage

M & T Bank, subservices VA mortgage loan. During the pandemic, I had a loss in income that prompted me to request a forbearance. The forbearance was approved for one year and I then entered into an agreement for a temporary trial payment period ( 3-months ), which I've completed. Upon completion, I received loan modification documents that were streamline approved. Yet despite the CFPB 's rules on streamline approval of modifications as a result of the pandemic, M & T was assessing fees. First, they assessed {$170.00} before the modification ( during forbearance ), then they assessed a {$350.00} fee for the modification. Additionally, the modification was simply to balloon the deferred amount at a rate of XXXX percent interest over the remaining term of the loan ( 23 years ). It is my understanding that the VA currently offers a 2nd mortgage at 0 percent interest on the deferred amount, but that was never offered or even discussed with me. Second issue stems around the fact that the loan modification documents are violative of XXXX. Specifically, the bank entered my wife as a co-borrower throughout the loan documents despite my wife not being an obligor on the original note and my home ( and my wife and I ) are not located in a community property state. Upon discussion with a banker, the divulged the fact that this was happening quite frequently and they had to go back to underwriting, who then took another 60 days to turn the documents around. All the while, the bank contacts me every single weekday requesting an update on their loan documents ( until I notify them that I'm waiting on them, they check their notes, and then the call is complete ). I even contacted their customer service department in hopes that they could stop calling me, but to no avail. This all of course occurred after they delayed in providing me documentation that I was no longer in forbearance after my broker requested documentation during an unsuccessful refinance at a rate of XXXX percent. It was unsuccessful because the bank took weeks to provide me a certified letter that stipulated I was no longer in forbearance despite calling them and requesting to have them email it or provide any notation that I was no longer in forbearance, which was denied. Once I received the documentation, rates had already jumped up and it no longer made economical sense to refinance despite having nearly {$200000.00} in equity. I then requested a payoff statement upon which they took days to respond and then requested a formal request from me despite my contact being within the secured portal of their online banking platform. In sum, my concern is two-fold. One, it is clear the bank 's systems are not built to handle these forbearance modifications and thus things like violating fair lending laws appear commonplace. Two, the fee revenue generated unlawfully is of concern. This is particularly troubling when the press release from XX/XX/14 shows M & T with an increase in non-interest income. I am now considering just refinancing my mortgage, even at a higher rate, just so I don't have to have M & T service my mortgage any longer. That is how bad they have been.