23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to work with Guild mortgage to find out the true balance of my debt with them after becoming ill and falling behind on my payments I started reading and studying the laws. I had no idea when I signed my mortgage on XX/XX/XXXX that I was signing a blank endorsement or a power of attorney, making them my attorney in fact on my behalf, but after learning some of these laws, I felt very tricked and took advantage of. My understanding of an attorney in fact is that they are supposed to fiduciaries to me the principal. This company has failed to to be fiduciary or have my best interest and has used the power to continue to be misleading for benefit for themselves. Which fall under GA Code 53-7-54 Brech of fiduciary. On XX/XX/XXXX. XXXX, I sent the CFO and the trustee instructions with an endorsed instrument requesting that I rescind my rights in my securities. The CFO nor the Trustee never responded or even took the time to reach out, later in XXXX after I emailed the CFO someone else finally emailed me back and said my instrument which is the same Instrument they are using to collect my payments from is not a legal document and they refused to show me any ledgers or books on my account. I truly believe that this instrument has been satisfied and I no longer owed this debt. I am also supposed to be active with the MERS, which I am not. This company is still signing forms as my attorney in fact, even though I have sent them and their attorney notice that I no longer accept them to have the attorney in Fact and Revoke any attorney of attorney over me. Which violate O.C.G.A. 10-6B-1 through 10-6B-181 They also failed to send me information when I was able to take off my PMI insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent sent over 5 dispute letters through certified mail dating ( XXXX XXXX  and XXXX XXXXnforming Experian that the personal data they are reporting on my account is inaccurate and each time I demanded per federal law that inaccurate information must be removed.
Product: Checking or savings account

Setup joint account with fiance. 

Proceeded to transfer funds from personal XXXX  ( XXXXXXXX XXXX XXXX ) account. Several transactions were denied and reversed. 

Logged in and found SoFi Joint account was locked. Called security number and they stated I violated terms by transferring from account not in my name. This is false and I have statements, and other documents to prove the account is in my name. 

They stated they would report the issue and would hear back at some point in the future with no ETA. I have no way to pay bills, cards, etc. at the moment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Experian, XXXX have violated my consumer rights under the FCRA because they are reporting inaccurate data about me even after I disputed the inaccuracy. XXXX XXXX, XXXX, Experian, XXXX are reporting a closed account since XX/XX/XXXX as an open account in XXXX. XXXX XXXX, XXXX, Experian, XXXX are also reporting an inaccurate balance of {$2600.00}, intentionally increasing score damage and hurting my debt income ratio. Attached is a copy of my most recent credit report for your viewing. Please see the " balance '', " date last active '', and " date of last payment '', " comment '' section.
Product: Mortgage

I am going to start by saying that it is disheartening to me that in order to receive any sort of response or corrective action from my Mortgage company I need to file a complaint with the CFPB. 
XXXX, XXXX and XXXX of 2017 I was approved for a modification from my mortgage company and at that time they locked my account so I couldn't make a payment online. I needed to mail in checks. My modification was approved in XXXX of 2017 and back to normal in XXXX of 2017 since then I have had no online access. Each time I attempt to access my account I get user name or password incorrect. I have changed both numerous times. 

I called Freedom maybe in XXXX of 2017 to find out why this was happening and the person I spoke with said they would delete my account and I would have to re-activate it, which I did and that still didn't work. I asked her if I could talk with their tech department and I was told " we don't have one ". I tried again in XXXX, no luck and in XXXX still no luck so I called back and this time I was told they were going to open a ticket with the tech department. ( I knew they had one! this just goes to show much misinformation is given to customers when calling Freedom ) It is now XX/XX/XXXX I still can not access my account online and when I call to check the status they say we see a ticket open with our tech department keep trying. 

I honestly feel that Freedom mortgage makes a living off of unfair and deceptive practices and skirts the rules because they deal with FHA loans. I truly and honestly feel that they are in violation of UDAAP. Most people who have an FHA have had or are having money issues and are at the mercy of Freedom. Freedom is notoriously wrong to providing misinformation to customers and gets away with it. I in fact almost lost my house because of misinformation and the response I received was " we apologize for the misinformation ''
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Transunion failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My problem is that I was not giving a forewarning once the limit started to decrease. They will wait until I paid the balance as of around XXXX I started paying the card down from being maxed out at the total credit limit of {$500.00} so that by XXXX it was at 30 % but by the time the credit card statement ended it it messed up the original plan as it had changed the limit from XXXX to XXXX so instead of it showing a 30 % usage it was showing more. And they did this repeatedly as I paid it down to where which now the credit limit was XXXX and I wanted to make sure it was sure no more than 30 % usage And again they changed the limit in the midst of the billing cycle so that wants to cycle was finished it show more than 30 % usage with a credit limit of {$100.00}. I wasn't given any forewarning. And this was a car that was always minimum paid and as of XXXX being managed properly. As a matter of fact as the limits began to drop I started not to use the card with more than a 30 % you should teach month and making sure it was paid down to 15 % if not to XXXX.which is not very much because now it's {$100.00}. My thing is that I had the Care Credit managed by the same company so that my wife could do her dental work. Now that usage or the ability to pay off was not done in the matter which I understand why they decreased that limit ..... But the t.J Maxx I don't understand as I diligently had that card paid down and them asking to please I'll show Mercy on that account. I see that the sounds account was never bothered. And I am okay with the Care Credit being reduced but I'm asking since TJ Maxx has had a better history that it please be shown some mercy... I missed my wife as an authorized user and the drops in the credit limit also affected her credit history. And again this was the car that was managed much better and if they had not messed with the limits it wouldn't have caused her score to decrease as I say they didn't change the limit after the billing cycle it was during the broncycle world which the amount pay it was expected to have a more positive outcome The following month in addition to the credit reporting.
Product: Debt collection

Portfolio Recovery Account # : Unknown Amount : {$830.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with PORTFOLIO RECOVERY and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & Portfolio Recovery. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless Portfolio Recovery can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wanted the late payments removed because the late payments happen on there end not mines I was under Auto payments still is so it was their fault not mine 's
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of fraudulent information from my credit report. The disputed items were not authorized by me and are the result of identity theft or inaccuracies that XXXX has failed to address despite its legal obligation under the Fair Credit Reporting Act ( FCRA ) These items were opened or reported without my authorization. I have previously notified XXXX of this matter and provided supporting documentation, but the erroneous entries remain, causing undue harm to my financial well-being. 



Violations of XXXX XXXX XXXX. Failure to Conduct a Reasonable Investigation ( FCRA XXXX ( a ) ( XXXX ) ( A ) ) Upon receiving a dispute, XXXX is required to investigate and remove unverifiable or fraudulent information. Your failure to take corrective action violates this provision. 

XXXX. Reporting Inaccurate Information ( FCRA 607 ( b ) ) Credit reporting agencies are required to maintain maximum accuracy in the information they report. The continued presence of fraudulent accounts on my credit file demonstrates a failure to meet this obligation.

3. Failure to Correct or Delete Fraudulent Entries ( FCRA 611 ( a ) ( 5 ) ( A ) ) If an item can not be verified as accurate, XXXX must delete it within 30 days of receiving the dispute. By failing to remove these fraudulent entries, XXXX has breached its legal responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordantly with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violented my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a 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 reporting, credit repair services, or other personal consumer reports

i just became a young adult ( XXXX years of age ), i went to the bank to see if i qualified for a credit card so i could establish my credit score because as of right now i currently have no credit score. something was wrong with their system that day ( wifi ) i didnt get approved. and now as of right now i have 4 hard inquires on my credit report. only 1 of the 4 were authorized with my permisision.
Product: Student loan

At least twice I've requested that XXXX allocate excess payments to one specific loan and it has refused to do so.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX and TransUnion for multiple violations of consumer protection laws. XXXX has engaged in fraudulent practices and mishandling of my case, violating the Identity Theft and Assumption Deterrence Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act. TransUnion has also failed to follow their own guidelines, resulting in inaccurate credit reporting. I request that the CPFB thoroughly investigate this matter and take appropriate action against both entities. I trust that justice will be served and my rights as a consumer will be protected. Thank you for your attention to this matter.
Product: Consumer Loan

On Saturday, XX/XX/2016 I tried paying auto note via phone but given automation. Disconnected me. I tried a second time. Told note {$430.00} rather than {$350.00}! Called again today, XX/XX/2016, and spoke to Wells Fargo XXXX to clarify why the increase. 
Told by that office and XXXX of the XXXX that late charges of {$79.00} added. I asked why when her office had set up XXXX of each month to make payments rather than XXXX. I have not gotten the results promised by Wells Fargo XXXX as also told CFPB. No record of " XXXX '' changing payment due date to XXXX said XXXX in XXXX of the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account that was reported, reported fraudulent incorrect information on my consumer report the balance and that it was late..
Product: Credit card

XX/XX/2924 PLEASE NOTE : My name is XXXX XXXX - there is a typo saying " XXXX '' I am unable to correct without starting over. 

I've had a XXXX XXXX account for years. I've made large purchases using it ( phones, thermostat, etc ) and always paid either on time or early. My limit gas been {$1500.00} for some time. 

This month, with no warning, Synchrony dramatically reduced that limit to {$100.00}. 

When I phoned to ask them why ( my current balance due is {$36.00} ) I was initially told they could not tell me, but a letter would be issued ( after the fact, giving me no chance to address/question the decision ) with 72 hours. I asked to be put through to a supervisor ( XXXX ) who repeated thus information and also, in a hostile manner, stated there would be no appeal or reconsideration. 

In the course of the phone call, she then said she was incorrect : the letter had been generated. She stated the reasons as too many accounts with high balances ( my balances have been steadily paid down/I have only opened one new account in some time ) and something about paying a mortgage product down " too slowly ''. I have only one mortgage product ( a {$44000.00} HELOC ) which I have been paying down monthly without increasing it, and and we have at {$200000.00} equity in our home. 

The sudden decrease, without a good reason or explanation, has triggered an immediate drop in my credit score and will affect my being able to get good rates in future. It also means I will not be upgrading any of my XXXX products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting

I have disputed a couple of accounts that are a result of identity theft. Some off it was removed from my credit report but there are a couple remaining items to be handled. My complaint is that this credit bureau is n't taking my case serious. I need this stuff removed b/c I 'm trying to rebuild the damage that was done. Went to XXXX and followed the steps. Please see documents. Thank you XXXX
Product: Credit card

Please Reference my prior case with this companyCFPB CASE # XXXX A WRITTEN DOCUMENTATION THAT CONFIRM ORIGINAL DATE OF DELINQENCYA woman by the name of XXXX XXXX was working with me previously regarding the above ; she had provided me detailed information as well as her contact information. 
The issue is her contact number is only a voicemail, I have left her a voicemail, but I have not heard back. I also sent her an email. I seem to have had no luck ( only reach a preset voicemail. ) And No email replyOne document that was not provided to me is a statement that provides the ORIGINAL DATE OF DELINQUENCY. 
The original delinquency date is the date the account first became delinquent and was not brought completely current. 
Each of the XXXX credit agencies are reporting this date differently. 
The Fair Credit Reporting Act ( FCRA ) Section - 609 ( a ) ( 1 ) clearly states that a creditor must provide this in writing upon request this Document. 
Please provide this information so that I may update my records. 
I hope to resolve this with you directly before opening a new CFPB Complaint. 
The original delinquency date applies to the first late payment. In which the account was never brought current. 
Thank you
Product: Mortgage

I have had a mortgage from Chase Bank in the past and was satisfied with it so I decided to try and refinance with Chase Bank hoping for similar results. I paid a {$500.00} upfront fee which prevented me as a consumer from shopping around for other loans. I trusted that they would finish my refinance in a timely manner and handle my personal information with care as they had done in the past. 

I received very poor service after Chase Bank knew I could not shop around for another loan. I had to call multiple times weekly to get the underwriter to work on my loan. They would then drag their feet and ask for more documents which I had already sent them. They lost several sensitive documents concerning my financial and personal information. I have completely lost confidence in their ability to handle my sensitive information. 


I was told XXXX/XXXX/15 that it would take 7-10 days to process my loan. It has been almost 90 days and the percentage rate I have locked in is almost expired and it does n't look like I will be able to refinance due to Chase bank not responding to my request to work on my loan as well as losing sensitive documents with my personal information. Now I can not trust them to finish my loan, or handle my information, and at the present time wo n't refund my {$500.00}. 

I have recently found other loans a quarter of a percent lower with closing costs covered. I found out none of the other loans offered to me had an upfront fee which would prevent me from looking at other loans like Chase Bank required and thus preventing a free market for the consumer.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX  to pay my balance that was due on XX/XX/year>. I was informed that I needed to contact XXXX to pay the debt. XXXX took my payment and stated that they would not update my credit report. I asked why and I was hung up on. This is unacceptable. I paid my debt and have included a receipt showing my debt was paid. It should be removed from my credit.
Product: Checking or savings account

From XXXXXXXX XXXX  at Bank of America I was allowed to transfer at a teller counter {$160000.00} in 5 separate transactions into another Bank of America customers XXXX XXXX XXXX XXXX account that the bank was already watching and was suspecting fraudulent activities ... Bank of America shortly after that suddenly closed XXXX XXXX accounts and band him from being a customer. 

This man stole {$160000.00} from me in an illegal ponzi type scheme and the bank knew full well that this account was suspicious and they should have never allowed me to transfer this money due to the fact they were already watching it for fraud/illegal activity.