23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During a marital separation which happened in XXXX of 2018, we fell behind in our mortgage payment by one month with Vanderbilt Mortgage and Finance. Now that I am the only one residing in the home, I tried to refinance to lower my mortgage payment and interest rate. After securing a loan, a three way call  was done to obtain the pay off price between XXXX XXXX, Vanderbilt and myself. shortly after, an agent from Vanderbilt, who gave his name as XXXX, called me to discuss a two month deal that would be tacked to the end of the original mortgage. Being retired and on a fixed income, I agreed still thinking of refinancing. Well, XXXXXXXX XXXX called and told me that now I was two months in arrearrage, thereby denying loan approval. 
Now Vanderbilt is trying to make me complicit in an improper increase in my mortgage payment, I will attach all pertinent papers and correspondences with this complaint. They have cashed and endorsed a refund check that was made out to both of us by an insurance company I dismissed. {$1500.00} they claimed to apply to an insurance company provided by them even though I obtained my own insurance with XXXX XXXX. It is illegal to have two policies and I told them that. They still have insurance added in my mortgage even though the policy was sent to them by XXXX XXXX. I feel as though they have stolen my money and have placed me in a position that added to me having to be hospitalized with XXXX related issues. How is it that they confiscated my refund check, say that it went to pay for a years insurance, increase my mortgage by 500 % when I am paying my own insurance. This is a " Predatory ''  lender and must be held accountable by some means, I have tried to reach out to a Mr XXXX XXXX, who was all so happy when we were in the purchasing process, to assist us.
Product: Debt collection

In XX/XX/2024, I disputed an account from the National Credit Systems through XXXX. I provided them with 15 U.S.C 1681. On XX/XX/2024, the account came back as verified. According to 15 U.S.C 1681, the information on my credit report has to be accurate. Ive never done business nor signed any contract with this company. This account is affecting my credit report negatively.
Product: Mortgage

This property is a rental. The person renting from from us was struggling during the Pandemic XXXX he was laid off from his job part of the time and he also had XXXX. 
Wells Fargo asked me about doing a Forbearance and we agreed. 
When it came time to end the Forbearance period the only option we were given originally was a short sale b/c it was a rental. 
My husband and I are XXXX and XXXX XXXX XXXX, and we have been negatively been touched by XXXX. My husband has has had severe complications and has been hospitalized 7 times and they have been near death experiences. 
We don't have any huge savings. This rental property and the home that we live in are all that we own and we didn't want to sale this rental property. 
The amount that was put in Forbearance should have been put at the end of our loan we should have an opportunity to pay the balance off over the next 360 months. We were finally able to work out a repayment plan but we were not given anywhere near 360 months. Why can't we have the 360 months that the government allows?
Product: Credit reporting, credit repair services, or other personal consumer reports

I request to EXPERIAN to verify the two accounts listed on my credit report XXXX and XXXX XXXX   they said that they contact XXXX and asked them to verify the accuracy of the information with which I disagree. XXXX  SUPPOSEDLY responded and verified that the disputed information was accurate as reported .I contacted XXXX  and they effectively removed the two accounts from my records. I have supporting new documentation regarding the disputed information, See attached letter below
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian adding fraudulent inaccurate information to my credit report. 

While reviewing several documents from experian I discovered my name being reported, posted, available and shared with other reporting agencies and credit monitoring programs. I only carry one single legal name which has never been changed. Experian has illegally added someone elses last name to my credit report and has it listed twice. This is absolutely NOT legal and Experian has no rights to address me in such a way calling me out of my legal name and sharing this false information. As a result of that an account belonging to someone else has been placed on my credit report with XXXX and because experian has been reporting and providing others with false information XXXX refuses to remove that account. 

Experian continues to fraudulently add and report false information, when I discover the inaccurate info and dispute it, experian retaliates by reporting MORE .... I've attached evidence as proof. 

Experian has reported an unknown fraudulent address 3 times, listing it as an " business '' Proof experian is allowing unknown and unauthorized persons access to my report. With this unknown address listed, puts my family and I in danger and at risk for harm. 
More fraud, My business name has somehow been added to the report but its VERY obvious it's intentionally and poorly spelled, misspelled with poor letter placement making it unrecognizable as a legal entity and could never prosper, never gain any type of business benefits such as credit, grants nor loans. 

Because I have rebuilt my credit and have A PERFECT 100 % on time payment history with a good credit mix and my profile isn't run by subprime and predatory lending accounts and loans, Experian continues with the fraudulent activity and went as far as fraudulently placing ID security fraud alert onto my credit reports!!! This is SICK and disgusting how these credit reporting agencies are allowed to sabotage consumers struggling during an gobal pandemic or at ANY time! 

Never once did I initiate fraud alert to be placed on my credit report. I AM REBUILDING after my bankruptcy Attorney, Attorney XXXX XXXX sold my XXXX XXXX discharged bankruptcy to bankruptcy debt buyers that buy only XXXX and XXXX cases ..... including the debt buyers in the case as a creditor, altering many accounts to appear different from the discharged accounts totally disregarding a federal court order, 5 years later discharged accounts active AND reporting and some STILL trying to collect on the debt! And I super HATE the fact CFPB arent really for the consumer. And definitely dont enforce laws, rights nor fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent many months disputing wrong and inaccurate information on my credit report. they have fail to properly to investigate or correct the many problems they have on my report. Everytime i dispute something they send back an generic response saying that the information have been verified. i have even sent in a police report for a few accounts still nothing. the cant even provide the proper documentation to show that the account belongs to me. they don't sent me anything but a copy of my report.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Debt collection

On XX/XX/2021 I received a letter from XXXX XXXX XXXX stating that I owed an outstanding debt of {$10000.00} and and claimed for a discounted offer for {$2600.00}. The company claims this debt was due from XXXX XXXX and USI Solutions. I checked my credit score on XXXX  XXXX XXXX, XXXX  and XXXX and there are no current collections from this company. I have never received a phone Call or any previous notice.
Product: Vehicle loan or lease

I was due for a payment on XX/XX/XXXX. I have been back and forth the XXXX with my son he has very XXXX  XXXX. I was unable to make payment because I had the cash on me and was in XXXX. XX/XX/XXXX was also notified on XX/XX/XXXX that I was in XXXX and would pay when I got back. They said ok. On XX/XX/XXXX they contacted my mom saying Mid Atlantic finance company kept calling them about my payment. My mom told them I was still in XXXX and they said ok. On XX/XX/XXXX they contacted my mom and said they were sick of this because finance company keeps calling. My mom then called the finance company explained my situation and told them I would pay before the end of the month they were very understanding. My mom told XX/XX/XXXX she called and straightened it out. They told my mom they did not care they were coming for my van to repo it. My mom told them they can not do that because the Mid Atlantic finance company agreed to let me pay by XX/XX/XXXX. they said no they had a separate agreement with finance company. I was never told about any separate agreement. My mom ended up making the payment on XX/XX/XXXX and verified with the finance company that everything was ok. They excepted payment and said yes everything was ok. The an hour later they left me a message that payment was accepted but due to XX/XX/XXXX calling and repurchasing the vehicle back the payment was voided and sent back. The XX/XX/XXXX came and took my van. I was only 15 days late how can this happen??? please help with this.I am stuck with no vehicle and my son is very ill. I was under the assumption that I would have to be at least 30 days late for a repo ... 
Thank you
Product: Debt collection

THE AMOUNT DOES NOT SEEM RIGHT AND IT NOT FROM THE CELL PHONE COMPANY
Product: Debt collection

This collection has been on my report a couple times. My first dispute was with XXXX, and now with this company. Both companies violated my privacy and rights under the XXXX, by sending emails and text messages, stating they are DEBT Collections. 
Neither company could verify, provide or validate any information, other than an amount. I do not, nor have I ever had an account with this company. 


XXXX, XXXX and XXXX have all violated my right as a consumer by not notifying me of this placed on my credit file with them. 
They did not do their : due diligence by investigating the claim properly, notifying me, of potential harm to my personal and private credit. 
Additionally, I sent a dispute to XXXX and they stated this debt was valid but also never supplied any proof, of how it was validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/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

Recently there have been changes to my Transunion Credit Report. I requested XXXX to mail me a new and up to date credit report. Transunion has failed to comply with my request. I am requesting XXXX to send me an up to date and current credit report.
Product: Credit card

I purchased XXXX items from XXXX, the total price was {$33.00} and they denied that they used an old card. They say they used the card that was up to date, which is false, if they had, this problem would not have happened. I have a {$8000.00}. Limit and have a payment of {$170.00} due on XXXX/XXXX/2016, do n't know who put it on credit report, XXXX and all are on credit report, at once. Is there anything I can do to get them removed, my credit score went from XXXX to XXXX in a mighty swoop. I need some direction to get my credit score repaired. Thank you!!
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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

It's my understanding that FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you please review the paperwork? I've noticed inaccuracies in some of the listed accounts, and it's unsettling for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name- XXXX XXXXXXXX Account XXXX XXXXXXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Check from a capital one account t from XXXX XXXX XXXX in the amount of {$2500.00} was returned due to a stop payment on XXXX XXXX XXXX 

Capital ones : " investigation '' resulted in a satisfactory result that the check had been paid according to directions. Apparently XXXX XXXX acct. XXXX charged the {$2500.00}. 


This has caused me late mortgage a.ongst other problems! 

Capital one is arrogant, and clearly very stupid as the evidence of stop payment is cleR for anyone to see. 

Sad ... ..wonder why we all don't do business with such large XXXX XXXX banks any more. 

XXXX XXXX
Product: Debt collection

A recent overview of my credit report revealed that Credit Management LP, had appeared on my credit file. So I sent notice to this company they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Credit Management is continuing to report negative information on my credit report, even after they have failed to provide validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau Equifax, XXXX and/or XXXX ) credit report, according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made this inquiry knowingly, willingly of my own will you must remove it as such.

I writing to dispute the following inquiries and asking for their removal from my credit report.

Item No. Creditor Account Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a current and corrected copy of my credit report once this issue is resolved. 

Thank you in advance for your swift, expedited assistance with this matter. 
Inquiry details XXXX Inquiry from XX/XX/2019 XXXX   XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX   XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX. 
XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX. 
XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from Apr XXXX, XXXX XXXX XXXX XXXX/AXXXX XXXX  XXXX Inquiry from XX/XX/XXXX 2017
Product: Credit reporting or other personal consumer reports

This account was part of a covid-19 forbearance. When the covid-19 forbearance ended they marked me as 120 days late even though our arrangement to get it current was fulfilled and no payments missed. This is fully inaccurate, proof enclosed. The loan underwent a loan modification that included 3 trial payments to be made in XXXX, XXXX, and XX/XX/2023. The conditions of those payments stated that as long as the payments were made in the month they were due, they would be considered on-time and apply. All three payments were made. At the end of the three payments, their information suppression failed causing a 120 day late saying no payments had been made, even though they had. Please note that for XXXX payment, it was posted on their website in XXXX but the charge did not hit my bank until XX/XX/XXXX. This does not affect the agreement as it was scheduled via their online portal. They removed this late data before recognizing it was a mistake, only to reinsert it without warning. All three trial payments were made but upon completion of the trial payments my account was immediately flagged as 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third-party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Wells Fargo closed my account few months ago and I did not do anything fraudulently or anything, but Wells Fargo wouldn't approve or let me open any new checking account.
Product: Credit card or prepaid card

Today ( XX/XX/XXXX ) I received a credit card in the mail that has been opened in my name as of XX/XX/XXXX through Wells Fargo. I immediately called Wells Fargo to alert them of this issue and they have suspended the account and are investigating it. I would like to request that this issue be investigated and that my credit be frozen so that no further cards or accounts are opened in my name.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act .The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX Account XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX ( Retailer ) inquired about my credit score without my consent. Also, my credit report shows a current new address that does not belong to me. I called Transunion on XX/XX/2023, and filed a complaint about this matter.