23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, Approx. 11 years ago, I purchased a home as a first time home buyer. Shortly thereafter, the value of the property dropped well below what was owed on the mortgage. The mortgage is currently with Mr. Cooper/XXXX  XXXX. I continued to pay the mortgage as per my agreed upon contract. However, approx. 5-6 years ago, there was a hardship and reduced income. At that time, the mortgage was current and remains current to this day but I took advantage of the government HAMP modification program to attempt to make this more affordable with my reduced income. I also worked in other ways to reduce my expenses. At the time, I was advised that if I continued to pay on the mortgage per the modified terms that every year I would receive {$1000.00} principal forgiveness. This forgiveness was never applied to my mortgage balance so I called Mr. Cooper/XXXX  earlier this year to address this. When contacting Mr. Cooper, I was originally told that yes, I should have been receiving this forgiveness every year on the anniversary of the approval if the account remained in good standing, which it has. I was told that the research department would look into why I didn't receive the forgiveness. Eventually, I received a response that stated I did not qualify for forgiveness of principal as my monthly housing expenses did not decline enough with the modification. I had never been presented with this stipulation and it was on no paperwork that I signed. I have requested Mr. Cooper send me documentation to verify this stipulation but they have stopped responding. I feel as though I was a victim of a bait and switch by a large mortgage company that feels they can get away with whatever they want. I feel cheated. I work hard and pay all my bills on time and was offered help only to have the rug pulled out from under me. I don't understand why I was told for years that I would receive principal forgiveness but when it comes due, they won't apply it and won't provide me with any paperwork regarding this. It seems as though they are making it up as they go. I have done everything in my power to pay this debt on time and when I get close to being above water, I am done a disservice by the mortgage company and this greatly impacts my living situation.
Product: Debt collection

On  XXXX   XXXX ,  2017 , at  XXXX  an individual by the name of  XXXX   from Navient called my  parents and left a voicemail informing them  Navient was tr ying to get a hold of me.  XXXX  informed my parents I owe money and it was a federal offense not to respond. She left a phone number in the voicemail  XXXX   XXXX   XXXX . My father returned the call by calling the number it came from and a female on the other end of the line answered, " Hello. '' My father said, " You called this number. '' And then the women hung up on him.  <P/> This is t he 4th time now I have requested Navient not to call my parents and the second formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Reference # 's XXXX and XXXX has violated my rights.

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.

I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. 

Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. 

I will not accept another reinvestigation of the information Only deletion of the information
Product: Credit reporting or other personal consumer reports

Y'all have sent me two different stall letters regarding my fraudulent case. I have submitted reports, dispute letters and proof of residency already. I have my attorney looking over everything and this will become a lawsuit if what I requested doesn't get removed immediately. I have attached the letters y'all sent me, ftc report, and proof of residency. These should be disputed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

On XXXX/XXXX/XXXX, I called because I noticed fraudulent charges pending on my prepaid gift card issued by U.S.Bank. I provided all of the information and they froze the card. They said I would need to call back in 3 weeks in order to dispute the charges. I called on XXXX/XXXX/XXXX to dispute the charges, as requested. I provided all of the information they requested in a fax to their dispute department. I called again on XXXX/XXXX/XXXX to confirm they had received everything that they needed as I had not heard anything back. I talked to a representative named XXXX, and he said that they did have everything, and to call back in 5 weeks to check on the status of the dispute. I called on XXXX/XXXX/XXXX to check status and was told everything was still pending and to call back in a week. On XXXX/XXXX/XXXX I called again and the representative said that all charges had been found in my favor and my refund of {$49.00} was being mailed to me at the address given, and to expect to see the card within 2-3 weeks. I called again on XXXX/XXXX/XXXX as I had not gotten my card and was told that the dispute was pending until XXXX/XXXX/XXXX! How was the dispute found in my favor on XXXX/XXXX/XXXX when it was supposedly pending until XXXX/XXXX/XXXX? U.S.Bank has very shady and deceptive practices on refunding customers for fraudulent charges, and I request that my replacement card be issued as the representative on XXXX/XXXX/XXXX said she requested immediately for the amount of the disputed transactions for {$49.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuse to reinvestigate my disputed accounts
Product: Vehicle loan or lease

I had taken the car on lease and almost at the end of lease I started shopping around to find the next car. 

As I went to dealer they propsoed to me that either they can offer me a new car with new lease or even can purchase my car from me and since the car prices have appreciated will provide me the $ and pay of all of my lease pending balance and I wont have to oay anything. 

I took the deal and completed the transaction. This was on XX/XX/XXXX. 

I received my full payment from XXXX, authorized Mercedes XXXX at XXXX, XXXX, NC- same place I purchased my vehicle from. 

My mercedes accounts at Mercedes Benz Financials was removed as I no longer had lease. 

After XXXX year, on XX/XX/XXXX when i applied for a new XXXX  loan, i was notified that I am still showing the leased car on my credit history. My lending company asked me to call XXXX to get a credit supplement and when through the process they pulled Mercedez Benz on phone, i was told I have a {$980.00} pending for early lease termination and transfer fees. This was a surprise as I sold the vehicle back to mercedez benz and I was assured that no additional balance is pending and I was even given a check of {$10000.00} and nowhehre in the bill of sale or any sales document it was noted by mercedes benz that I will have to make any paymnets. I have attached the sales deed copy for your reference. 

I have then contacted back the manage of the XXXX  and have asked him to llok into this matter but I am extremly disappointed with merceds benz financials and their sales XXXX  for making such a major mistake or deliberatly trying to make a fool of customers. 

Also I asked the lady on the phone to provide me information on pending balance and instead of sendin the statement, she sent me a notification to access the account. When i try to access the account, I receive an error message : " There are no active accounts linked to your MBFS profile. Please call ( XXXX ) XXXX for assistance, or add a new vehicle ( XXXX ). '' Based on this message I dont have any active vehicle or account so I dont understand the logic of pending balance if I dont have an active or deliquent credit. 

I tried to resolve the same at mercedes benz financials but they refused to resolve it and starting telling be clauses in the contract around transfer fees and early termination. My point is that I sold the vehicle back to them and they shoudl have discclosed at the time of sale and gioven me in wiritng that sale is not covering the full payment and pending payment, however I was made to believe that all payment if in full and final. If I would have known I woudl have to pay the extra money for a early temrination, I would have not sold them the vehicle and kept the vehicle longer or sold it to someone else later. 

I am extrmely disappointed with Mercedes for conducting in such a malicious practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Against TransUnion 's Credit Reporting Practices Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion regarding their credit reporting practices. I have experienced significant issues with their handling of my credit information, which I believe violates the Fair Credit Reporting Act. 

Despite my efforts to correct inaccuracies in my credit report, TransUnion has continued to report incorrect information. I recently obtained my credit report from AnnualCreditReport.com and noticed discrepancies that have not been resolved despite my previous communications with TransUnion. Specifically, my XXXXXXXX XXXX XXXX payments for XXXX are missing, which has adversely affected my credit score.

I have reached out to TransUnion multiple times to address these inaccuracies, providing them with documentation to support my claims. However, their response has been inadequate, and they have failed to correct the reported information in a timely manner. 

I believe that TransUnion 's practices are not in compliance with the guidelines set forth by the Fair Credit Reporting Act, and I am concerned that this situation will continue to harm my credit standing. I request that your office investigate this matter and take appropriate action to ensure that TransUnion adheres to fair and accurate credit reporting standards. 

Thank you for your attention to this serious matter. I look forward to your response. 

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

XX/XX/19 Hard Inquiry Brclysbankde I did not give permission for this company to run my credit. I have tried to reach them in reference to this issue to have it removed but have not been successful.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to XXXX XXXX XXXX XXXX, its not fair that XXXX are allowed to report this fraud against my Trust and Estate
Product: Credit reporting, credit repair services, or other personal consumer reports

Whenever I try and pull my Equifax report it comes back as " no data returned '' and creditors ca n't access my report either
Product: Checking or savings account

XXXX This complaint was filed with CFPB and I received notification today that it was closed based on capital ones response regarding my account that was opened in XX/XX/year>. I have had accounts open with Capital One 360 for at least 1015 years and they should be going back and searching all accounts that are linked to my Social Security number so that they can respond properly. I feel that I am impacted by this pending lawsuit with capital one and their response is inadequate and incorrect. They should not be relying on me to explain every account I have open when they can look in their records to see. I received one phone call from a Capital One rep where I tried to give them information while on a business call But again they have all the data necessary by checking their internal records as I stated earlier based on my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to purchase a home on XX/XX/23. Before I had the agent run my credit report I noticed that I have a lot of unauthorized hard Inquiries on my report that are damaging my credit. According to 15 U.S.C 1681 law there should not be any damages on my credit. That is a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and disputed these inquiries online on my transunion credit report several times. I have had success getting these removed from my other credit reporting agencies but for some reason transunion will not work with me at all I dont know what else to do at this point this is hurting me and my credit. These are the inquiries : XXXX XXXX XXXX, XXXX XXXX XX/XX/22, and XXXX XXXX. I did not authorize or approve these in at or have any use for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act list of accounts below has violated my federal protect the consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  account number XXXX. 
Account name XXXX account number XXXX Account name XXXX XXXX Account number XXXX, XXXX. 
Account name is XXXX XXXX, XXXX account number XXXX. 
Account nameXXXX XXXXXXXX XXXX account number XXXX  15 USC 1681 section 602 ( a ) states I have a right to privacy. 
15 USC 1681 section 604 ( a ) section 2 : it also states that a consumer reporting agency can not furnish all account without my written instructions.

15 USC 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 USC, 1681s-2 ( a ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency. If the person knows our has reasonable calls to believe that the information is in accurate.
Product: Credit reporting or other personal consumer reports

I woke up this morning to find unauthorized inquiries on my credit report, and Im completely confused as to why they are there. Ive been checking my credit report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser to rule out a glitch, but the inquiries remained. I need you to immediately verify the documents I've submitted so I can be sure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports shows names, addresses, phone numbers and accounts or public records that are not mine. 

I have uploaded a phone of my state real id and that should be the only address, name and info for me on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my TransUnion credit report. Despite two prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate XXXX late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Last Verified '' date ( XX/XX/XXXX ) conflicts with the " Date of Last Activity '' and " Date Reported, '' which should align. Such discrepancies violate 15 U.S. Code 1681i, which mandates accurate and consistent reporting.

Inaccurate Late Payment : The 30-day late payment for XX/XX/XXXX is incorrect and contradicts the payment amounts listed, showing no past-due balance.

Balance Details : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account. 
Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly.

TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers. 
PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting.

Desired Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report.

Written confirmation of the corrections made.

Assurance that this account will be reported accurately in the future. 
I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took place XX/XX/2021XXXX XXXX. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.
Product: Credit card

Every representative that they have been telling me to contact never answers my call or email regarding my previous complaint.

Feels like deceptive practices.
Product: Checking or savings account

I was in XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i get. On average XXXX from the VA since I am XXXX XXXX. When I got out I should of had XXXX. I only had XXXX dollars.from XX/XX/XXXX  till XX/XX/XXXX  I gave some XXXX authorization to use my card. But XX/XX/XXXX I called Wells Fargo and told them to stop authorization and freeze card and account. So I should of had money for XXXX XXXX and XXXX about XXXX but only XXXX XXXX  XXXX... Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

PER 15 USC 1681B THE BUREAUS ARE BREAKING THE LAW BY FURNISHING FALSE/WRONG INFORMATION ON MY CREDIT FILE. THE ACCOUNTS ARE NOT MINE AND THEY WERE A RESULT OF IDENTITY FRAUD/THEFT. TRANSUNION WAS THE ONLY COMPANY THAT WAS ABLE TO VERIFY THAT THESE ACCOUNTS ARE INDEED FRAUD SO XXXX AND XXXX NEED TO GET WITH THE PROGRAM AND PROPERLY INVESTIGATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my Experian credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : XXXX   with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX   with an inquiry date of XXXX XXXX, XXXX and XXXX with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. 

Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters to state employees credit union requesting documents on this account which I am aloud to do and legally they have to provide. I have requested proof of all payments up to the said balance, a contract bearing my signature, proof acceleration notice and opportunity to cure and post repossession notices were sent to me. Proof of amount the car was sold for was credited to account. And proof that the gap insurance check was credited to my account. I have given them over 60 days and requested twice. They are also reporting inaccurate information and data on my credit report