23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2016, I received a letter from Navy Federal Credit Union which advised me that my Home Equity Line of Credit was being suspended due to " a review of my credit history including a decline in my credit score '' This infuriates me because this credit line is a credit extension that is related to my home. Basically this change is a call in of a loan that to my understanding gave me a 20 year " draw '' period in which I was able to utilize the credit. This LOC is not even a year old. I was never advised that there was a minimum credit score that I had to maintain, nor was I ever told that they could call the loan in whenever they desired. I have never missed a payment since opening this account and was late only once because my direct deposit from my job did not take place on the date that it was supposed to and the ACH did not properly process. This payment was made as soon as I realized what happened. 
Navy Federal tells me in the letter that I can appeal their decision but I would have to pay for an new appraisal, which I believe was {$560.00}, so basically I can pay a fee to gain access to what I was already provided with. I believe that amounts to holding my account hostage. My home has not lost its value and my credit worthiness has not changed in relation to my ability to maintain my obligations and I should not have to beg for a loan on my home that I have already been given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made on time payments since XXXX. My credit report says I have a severely delinquent account. After two years of disputes I received a letter from XXXXXXXX XXXX XXXXXXXX XXXX stating they did not report a delinquency in XXXX after I filed a 4th dispute in XX/XX/XXXX. My Experian report is still showing delinquency on a closed account on XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX when I filed disputes. None of those should be on my report. This has made it so I cant qualify for a house or car loan because their report flags my account.
Product: Debt collection

Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete the account from all consumer reports Your company can not purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved.Your company also did not send any information regarding this alleged debt to me which is also a violation. Without prejudice, all natural inalienable rights reserved.
Product: Student loan

We are applying for a mortgage and the lender notified us that my student loans are being reported by both Ed financial and XXXX. I was transitioned from Ed financial to XXXX in XXXX. Since that time, I have paid off at least one of my accounts through XXXX. The XXXX information is correct on my credit report, however Ed financial still lists all of my loans ( including the ones I paid off through ed financial ), so the loans that are still active through XXXX are duplicated on my credit report. I should have no loans listed on my credit report through Ed financial. Accurate reporting is required under FCRA and per word of mouth with my colleagues, this is not an uncommon situation with Ed financial specifically. 

I have attempted to contact Ed financial on XX/XX/XXXX, however since I no longer have loans or an account through their services, they state they are unable to help me as it is not a reporting issue on their end.
Product: Mortgage

Received a letter dated XX/XX/XXXX requesting additional documents in order to complete a thorough review of my file and eligibility for loss mitigation services. Letter stated documents needed by XX/XX/XXXX. on XX/XX/XXXX, received a loan modification package in the mail. I had not yet sent in the requested documents so this was a confusing package to receive as I was last told they could not evaluate me for any hoe retention options until they received documents from me. On XX/XX/XXXX, I emailed requested documents to the email address provided in the letter ( see attachment ). Did not receive any furhter communication regarding my application for assistance after sending in the required information. Due to the fact I had not received any further correspondance, and because I was afraid of losing my home, against my better judgement due to the loan modification terms, I completed the loan modification documents in front of a notary and sent them back via XXXX ( they were delivered on XX/XX/XXXX to the XXXX XXXXXXXX XXXX address that I was told to send them to ). I was under impression this would compel LOancare to cancel the notice of default and record it with the County recorder but as of XX/XX/XXXX, I havent received any communication from the lender regarding my acceptance of the loan modification nor of any recordation of a cancellation of the notice of default that was file don XX/XX/XXXX. IT should be noted that I did not receive a copy of the NOtice of Default until XX/XX/XXXX in the mail. This can be verified by Loancare if they jsut check their tracking numbers of the Certified Mail they sent the notice in. It dd not arive to my local post office for pick up until XX/XX/XXXX ( more than a month after it was recorded with the county! ) This is absurd. I was not given appropriate time to respond. They fail to do their job at every turn. 

The lapse in communication from this lender is beyond ridiculous. They send out documents requesting information and provide a timeline as to when those documents must be recived in order to completely evaluate my loan for a loss mitigation offer, but then they dont even adhere to that timeline themselves. There is a delay in communication between departments it seems and as the homeowber, I am the one who suffers. Being as though I have an XXXXinsured loan, the lender will never lose as XXXX will reimburse the lender the FULL AMOUNT of the loan, so they are never going to suffer any loss. But I will, and its all due to their negligence and unfair business practices. IN the event a foreclosure occurs, I intend to pursue a civil suit and have more than enough legal basis and appropriate case law to support the foreclosure being found null and void. They fail to adhrere to timelines and fail to adequately do their job.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance I have reported this accounts above as not being mine and that I am a victim of ID Theft. These accounts are hurting my ability to get credit. Please send me proof where you have VERIFIED AS ACCURATE that these are my accounts.

I have supplied a police report that states I am a victim of ID Theft.

15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Mortgage

In XXXX XXXX  I applied for a deed in lieu of foreclosure with Wells Fargo on my home loan. They approved it and gave us a date for move out. We cleaned property and moved out. They then foreclosed instead declaring the property abandoned. I consulted an attorney who wrote a letter but then he wouldn't take the case any further after their response. I read about you settling a case with them over these same issues. I feel I am owed something for them ruining my perfect credit and basically lying and being devious to get me out of my home which I had tons of equity in. The lawyer was XXXX XXXX. They claimed there was a lien on the property and that's why they couldn't do the deed in lieu. But when I bought the property it didn't show up on the title search. Basically Wells Fargo fraudulently took my property in foreclosure. I have copies of title insurance form and lawyers letters. Please help.
Product: Credit reporting or other personal consumer reports

my identity was compromised on the dark web when i started XXXX XXXX company and ive been having trouble since
Product: Credit reporting, credit repair services, or other personal consumer reports

According to equifax 's online check to see if my identity was compromised, they informed me that I was a victim of this hack. Screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! Transunion, XXXX, and XXXX are in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.I did not GIVE ANY WRITTEN instructions to FURNISH a late payment from XXXX on my CONSUMER REPORT! The late payment came from a fraudulent purchase that was made while I was incarcerated and eventually incurred a late payment. Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an XXXX ( me ), and the person making the REPORT which is Transunion, XXXX, and XXXX. So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.
Product: Credit reporting or other personal consumer reports

It has now been 31 days since I requested to see the nature and substance of all information in TransUnion 's files on me, the consumer. I submitted this request to them XX/XX/year>. Per the Fair Credit Reporting Act Section 609, I requested this information by mail and I have yet to receive it. Despite not receiving the requested information in the mail, TransUnion continues to report the inaccurate and unverified information to my credit report. Per the Fair Credit Reporting Act Section 611 " if after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. '' TransUnion has failed to provide the requested verifiable proof and failed to submit a response by the 30 day deadline given to them. I request the immediate removal of accounts ending in XXXX and XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : {$9100.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : {$820.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : Inaccurate reporting amount across for each CB. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX XXXX : It's reporting as a derogatory AND a collection for XXXX. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I have reached out and sent multiple letters to CB AND Collectors. I have not heard anything from anyone. Above as you can see ALL of the dates I have reached out. I have sent numerous of letters and not once I have received anything. 

Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. CORRECT? However they are in Violation. 

PUBLIC RECORDS : Chapter XXXX Bankruptcy ( XXXX ) They are stating that the item has been verified. I have sent in multiple letters showing proof ( A COURT LETTER ) stating they the courts DOES not report any information to credit reporting agencies. I have also sent in proof from my XXXX report that the item has been REMOVE because it was unable to be VERIFIED. Please remove inaccurate information from my report IMMEDIATELY. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. )
Product: Credit reporting, credit repair services, 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. 

Here are fraudulent inquiries on my Equifax account : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. 

Here 's for XXXX inquiries reporting in fraud : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, CREDIT XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

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

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I rescinded my installment loan contract with XXXX XXXX XXXX which I sent a certified letter to the dealership and CEO via certified letter also to the finance company Santander USA and its CEO as well stating how theyll violated my rights several times one being taking my {$10000.00} down payment. 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before November 1, 1977 from requirements of 433.2 ( a ) also 15 U.S. Code 1635 ( a ) I notified them that I wanted to rescind. Also pursuant to the Federal Truth in Lending Act I requested the return of my deposit in the amount of XXXX pursuant to 15 U.S. Code 1692 ( k ) ( 1 ) seeking damages in the amount of {$44000.00} as well as damages for each violation in the amount of {$6000.00} and cancellation of any lien against my property and request same within ten ( 10 ) days as required by law which they have failed to do and this was requested on XX/XX/XXXX 2022
Product: Credit reporting

Hard inquries on my credit report from ouicken loans 3 times ) only authorized one and was told it wouldnt be a hard inquiry, XXXX was told it wouldnt be a hard inquiry, XXXX never inquired, XXXX never i quired XXXX never inquired. Please inveatigate asap i would like these hard inquiries removed.
Product: Debt collection

I'm requesting we address this first! 


GOT OUR HOMES XXXX XXXX XXXX XXXX Florida XXXX Dear Attorney 's, This company has me at the end of my strings. They owe me on a lease to own at XXXX XXXX XXXX XXXX XXXX ga XXXX. Of which after robbing me ( charging fees and taken money on a monthly basic for maintenance never proformed, withholding XXXX. Down payment and services I had to pay for on the property above our agreement ). Comes to a {$6000.00}. plus total they owe me. 


On top of this they have me in collection with Hunter Warfield XXXX XXXX XXXX XXXX XXXX FL XXXX contact number XXXX, account number XXXX for the sum of XXXX which on XXXX reviews they claim I missed 4 months, XXXX, XXXX, and XXXX XXXX.after a tenent misses the due date, due on or no later than the XXXX they will file evidentiary paperwork by the XXXX. The court stated, I was to move on the XXXX if XX/XX/XXXX I did that an have proved that my beings are in storage with XXXX  the amount is wrong. They also claim I stole something upon existing. I'm not sure what they're talking about but that's false as well. I counter claimed they owe me XXXX, during our meeting with the court mediator The house manager said XXXX XXXX XXXX they don't want anything from me but to get out. '' I did that XX/XX/XXXX. 


Attach is a few paper from the court and Hunter Warfield 's collection bill. I have a file I created for this company. I knew they were going to be a problem. 


They need a class action lawsuit. 


I'm a single XXXX woman who tries to work as well. I was deemed XXXX XXXX. 

I also was in a car accident XX/XX/XXXX where 3 cars ran into me. Which makes it extremely hard to work. 


I was able to keep a home for XXXX kids and XXXX dogs for 12 years. Until I made the great mistake of doing business for 5 years with GOTOURHOMES. 


HOMELESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX
Product: Checking or savings account

I had issues with deposits and check cashing services. There were also issues with using my debit card when making purchases. Several overdraft fees and NSF fees.
Product: Credit reporting or other personal consumer reports

I have noticed an inquiry on my Experian report by XXXX on XX/XX/year> I have never authorized this! 
please delete this!
Product: Debt collection

They call me at least 10 times a day and leave me several messages. I have told them not to call me and asked for debt validation and proof of debt. They have not complied with any of my request but still continue to call me several times a day from all different numbers and leave voicemails. I have screen shots for proof of all the calls and and i have saved the voice mails and I even have a recording of the call where i asked for all of the validation and to have them stop calling me.
Product: Credit card or prepaid card

On XX/XX/XXXX after speaking with numerous customer service representatives, I sent the following letter to Discover : " To whom it may concern, I am writing with regards to a discrepancy on my bill. In XX/XX/XXXX, I did a balance transfer and since then I have spent hours ( and I do mean hours ), trying to reconcile the numbers. According to my calculations, I owe ( round numbers ) {$1300.00}, according to my statement closing date XX/XX/XXXX, the remainder due on the balance transfer is {$1500.00}. Every month I've made a payment in excess of the current charges, assuming whatever was left over would be applied to the transfer. And even though the current charges were paid in full, I was still being charged interest. I've stopped using the card and it remains to be seen if I ever use it again. Meantime, I am requesting a month-by-month breakdown DO NOT SEND a convoluted, undecipherable computer printout. I want to see line by line how my payments were applied by bill date, ie current charges were... payment was this much... this was left over and applied to the loan, etc. '' Their first response was sending a form letter on how they calculate and assess interest charges. 

I wrote a second time- they responding by sending a copy of the XXXX XXXX. 

I then called the XXXX XXXX of Customer Advocacy and again requested, " month-by-month breakdown DO NOT SEND a convoluted, undecipherable computer printout. I want to see line by line how my payments were applied by bill date, ie current charges were... payment was this much... this was left over and applied to the loan, etc. '' I received another copy of the XXXX XXXX and copies of the last six months of billing statements. 

I called again today and was told what they sent was the response to my inquiry. No it is not. If Discover can't explain in real numbers how my payments were applied, how am I supposed to figure it out?
Product: Vehicle loan or lease

On XXXX  of last year XXXX I took a loan out for a XXXX XXXX which was XXXX and was suppose to have an interest rate of 7 % the loan terms was I was suppose to pay XXXX a month for the 1st year and after the first year my payment was to drop lower. I paid them XXXX a month for the whole year payment didnt drop. I called capital one about this spoke to a customer service rep and they basically stated this is what not stated on the contract, you have to contact the company which sold you the car which was federal auctioneers which Is operating under multiple DBA this cause me to check the bill of sale amount and the amount they have on the contract which capital one refuse to provide to me. They only provide me with the amount of sale over the phone and the amount they provide for me over the phone does not add up to the bill of sale receipt which the car was sold for. I was only provided with a bill of sale no contract. The amount the car was sold for should be what the car was finance for plus whatever addition fees that comes with interest.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward to consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience. where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These errors have negatively impacted my credit score, leading to financial harm, including : Higher interest rates on loans.

Denial of credit or other financial opportunities.

Emotional distress from repeated failed attempts to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries from Transunion and a public record from XXXX, showing a bankruptcy filing as a public record that is not mine. ( See Attached Letter and Notice of Dispute with Identity Theft Report/Notice ) I am requesting a dispute and removal of ALL items under the FCRA.