23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Hello, I am filing a formal complaint against Upstart Loans for unfair and illegal acts regarding my vehicle loan payment. I made payments on time for my vehicle loan since inception and then had to file bankruptcy in XXXX due to medical debt. During the bankruptcy Upstart communicated with my attorney and agreed in writing to reaffirm my vehicle loan and allowed me to keep making payments to keep the vehicle. Upstart 's legal department sent my attorney a reaffirmation agreement and he sent it back. It was Upstart 's responsibility to send the reaffirmation back to the court but they failed to do so and failed to appear in court. They then continued taking my payments on the vehicle for the next 15 months with no issue and reported the loan on time on my credit report. Then out of the blue I received notice that they had charged the loan off on my credit report and that they shut off my online access to make payments. When calling them multiple times in regards to their error, they apologized time and time again and said it was a company wide issue where they had made an error on a large portfolio of bankruptcy accounts and " forgot '' to file the reaffirmation agreements. They assured me I could keep making payments soon and they should have the issue fixed within 30 days. This was in XX/XX/XXXX at this time. I kept contacting them to make payments and they then started refusing my payments and changed their response completely telling me because I filed bankruptcy that they discharged the car loan and they fraudulently claimed that they never sent my attorney a reaffirmation agreement. 
My attorney then contacted them via email and phone and certified mail with proof of their reaffirmation agreement demanding they fix their error and pay attorney costs and they refused to respond to him at all. When I again reached out they told me they would not speak to me anymore. Then I received a notice demanding full payment of {$9200.00} on the entire loan or they will repossess the vehicle. I disputed their claim and repossession attempts but they refuse to honor their reaffirmation agreement. I have received unlimited stress and suffering from their gross negligence and just want them to fix the issue. They violated their own agreement and also violated bankruptcy law by accepting my payments during the stay and for over a year afterward, then trying to report my loan charged off and try to repossess a vehicle I always paid on time until they began refusing payments. 

In reviewing the online forums after their reps told me this was a companywide error on their part effecting many consumers, I found many people sharing similar stories about Upstart and their fraudulent practices. I want my loan put back in good standing, allowed to make my monthly payments as I was doing, and all repossession efforts to immediately stop. I am also looking into a class action lawsuit against Upstart for their deceptive loan handling, but am trying to give them the opportunity to resolve their error. I am disputing the balance they claim is owed and disputing the repossession attempt. 

Sincerely, XXXX
Product: Credit reporting

On XX/XX/2015, I received financing for the purchase of a used vehicle yet to be determined. XXXX XXXX XXXX XXXX ran my credit with my authorization and gave me the go ahead to find a car and they would finance it. I went to XXXX dealers and they both said they would not run my credit unless it was a soft inquiry and it would n't show up on my credit report. I then received XXXX new inquiries on my transuion and XXXX reports, which just showed up when i ran my XXXX report.
Product: Credit reporting or other personal consumer reports

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  Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid.

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it.

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it.

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information.

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company several times since XX/XX/2022. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

Not all of my Home Owners Assistance Fund ( Haf ) payments are being applied as monthly payments. I was awarded XXXX mortgage payments via the HAF program. Im being told by PennyMac that the STATE of Florida only has told them that they must apply mortgage assistance funds sent on my behalf as principal only payments If I'm a month ahead on payments. Yet when I contact HAF Im being told by the reps and supervisors that they have not provided this instruction to PennyMac. PennyMac has been able to provide me documentation on this rule and continue to refer me back to HAF who again state this is not a rule that HAF has given PennyMac. If this information is indeed correct please provide me documentation or update my account to note all HAF payments can applied as needed ( escrow or monthly payments. ) See Mortgage Assistance Program, section 10 of the Florida HAF document attached
Product: Debt collection

I have XXXX accounts reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. It has recently been reported as a charge off, which indicates that they are knowingly reporting misinformation. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistence of inaccurate information on my credit report, specifically an incorrect address and an erroneous collection account.

Despite multiple attempts to rectify this matter, the credit reporting agency has failed to remove the inaccurate information. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to have inaccurate information promptly corrected or removed from my credit report. 

The incorrect address listed on my credit report is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX I have made diligent efforts to contact the credit reporting agency via mail to rectify this situation. However, these attempts have gone unanswered, and the incorrect address persists on my credit report. 

Additionally, I have reported an erroneous collection account by the name of XXXX XXXX XXXX, and despite my multiple attempts to have this removed, it remains on my credit report. I have records of these disputes and the requests I have made. 

I request the immediate removal of the inaccurate address and the collection account named XXXX XXXX XXXX from my credit report, in compliance with the FCRA provisions. 

Enclosed with this letter, please find copies of all relevant documentation supporting my claim, including proof of my correct address. 

I urge your prompt attention to this matter and request your assistance in resolving this issue swiftly.
Product: Credit card

I called XXXX on XX/XX/XXXX regarding an incorrect telephone # listed on my account that I needed to have removed and updated to reflect my current telephone number. The representative immediately updated my telephone number to the correct telephone number. She asked that I try to login to confirm. As I try to login to my account I noticed that instead of the new telephone number it still showed the old number. She advised it would take up to 48 hours to update. I felt that was incorrect so I called back the same day and spoke with another rep who advised it would take 2 weeks. After 2 weeks my telephone number is still incorrect so I called back once again and spoke with another rep who said she could see in her system the number was updated and she didn't know why it would not update correctly. I requested to speak with a supervisor. The supervisor insured me that she saw the incorrect telephone number attached to secured transfer and she was going to make a note and open a support ticket so that I wouldn't have to explain this issue all over again. She further advised someone would call me within 3-5 business days to advise of the correction. I asked if I would receive a confirmation email or anything outlining what we discussed. She said no. I never received a call. I called back on XX/XX/XXXX to get an update and there is no note, the rep advised she has no way to verify my telephone number even after I advised the correct number. I asked to speak with a manager who proceeded to tell me that all of the previous XXXX reps I spoke with gave me incorrect information and he further advised it would be an undisclosed amount of time before my telephone number is updated. He has no idea what date that will be. He further stated they have to make sure it's me. He laughed as if this was a laughing matter. I am shocked that one of the largest banks in the USA operates in a manner that is very concerning for consumers. Each and every person I speak with at XXXX is not accountable and reliable when telling me what the next steps are. I just want to have my telephone number updated and not be told XXXX has no idea when that will happen. The incorrect number ends in XXXX and it was previously linked to 'Secured Transfer '. When 2 factor authentication is enabled and sent to a telephone number it is sending the auth code to the wrong number. The 2 factor phone authentication should be sent to the number ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently applied for a job and was not told my credit would be ran. I also did not sign anything saying it could be ran. They ended up running my credit without my authorization.
Product: Credit reporting or other personal consumer reports

Hi, TransUnion has been doing illegal things to me over the last 15 yrs! if i get one inquiry they take XXXX to XXXX points off my score .... or like today they took XXXX points off my score for Because of 2 remarks being removed offmy credit. its no fair for a student loan place to change remarks every week and im losing XXXX points a week. not one soul in American lost XXXX point to XXXX points every month. it's a glitch in the system or they are. They just corrected the XXXX points and then two days later they took back XXXX of the points. 
after telling you guys, they fixed the issue. I strongly feel im being discriminating against me as an XXXX XXXX  woman. I asked around to multiple people over the last 15 yrs and out of 300 people no one losses XXXX to XXXX. please restore my points AND the other ones i was cheated out of. im XXXX yrs old a XXXX XXXX  a hard worker and all my life i have never had a credit score over XXXX!!! im working my XXXX off to raise it for years and they give me nothing. I paid off 99 % with less than {$100.00} to go... ..of my car note i gain XXXX pounts for paying XXXX. thats not fair WHERE IS MY POINTS I DESERVE
Product: Credit card or prepaid card

I called BofA on XX/XX/23 to set up a new autopay linked to a separate bank account of mine after closing my checking and savings accounts with BofA. As retaliation, they have disabled my ability to pay my credit card bill and are attempting to put derogatory marks on my personal credit. I am unable to access their " Bill Pay '' feature and add external accounts, and they will most happily charge me late fees and interest if I accrue a positive balance that I am unable to pay off due to their block.
Product: Debt collection

I phones Midwest Recovery Systems at XXXX in regards to a missed call. (I also noted that a negative comment was placed on my credit report by this company XX/XX/XXXX). The young lady I spoke to told me I had a debt of $XXXX. I explained to her that I had filed chapter XXXX bankruptcy in XX/XX/XXXX and that it had been discharged XX/XX/XXXX. She told me that it did not matter and that I still owed the money from a loan that was taken out from My Next Day Cash in XX/XX/XXXX. I explained to her that the bankruptcy cleared all debts and she just hung up the phone. This same company had phoned my 2 years ago and I explained to them then that I was in chapter XXXX and even offered to send them a copy of my discharge papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to place a security freeze with all major credit bureaus. This was due to a vehicle theft and potential loss of sensitive information. 

I was able to successfully freeze my credit with XXXX and XXXX. Equifax on the other hand is telling me they either were unable to verify my information, or their system is down. I am not even able to call and speak with them as their system blocks me from speaking to anyone. 

I can understand trying to protect data. I am not requesting any information though. I am requesting they freeze my report.
Product: Mortgage

Hello, My name is XXXX XXXX and I am current customer of Pacific Union Mortgage. I refinanced my mortgage with them in XXXX of XXXX. I have made my payments with them on time since then and In XXXX of XXXX and I being told, that my mortgage payment will increase over {$800.00} dollars due to an escrow issue. After researching this and calling Pacific Union in XXXX XXXX of XXXX, the CSR rep at Pacific Union discovered this was a mistake by Pacific and the title company for completing excluding the school taxes and that they would reach out to the Title company to get payment from them. The guy said he could clearly see this was overlooked by both Pacific and Title and not to worry. It will be handled accordingly. He said this would be resolved in 30 days. I call back 30 days later and the CSR rep tells me this is my problem now and I should have caught this upfront!! How do you tell a customer his payment is going to increase over XXXX dollars??! Now either the title company or the Pacific Union needs to be held accountable for this mistake. They created this issue and now they need to resolve it! I ca n't afford an {$800.00} dollar payment increase! HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several derogatory accounts reporting on all three of the credit reports ( transunion, XXXX, XXXX  ). The derogatory accounts are all past the Maryland Statue of Limitations. 

The bureaus have been notified yet refuse to remove the accounts. The account are reporting at XXXX  XXXX XXXX, XXXX ( XXXX XXXX XXXX  ), XXXX XXXX, and XXXX XXXX XXXXXXXX. 

thank you XXXX XXXX
Product: Mortgage

Cancelled escrow XX/XX/2024, XXXX because Carrington habitually changes my VA loan monthly amount for 4 of 6 months. As of XX/XX/2024 the monthly payment amount is still changing monthly. I'm on VA XXXX ....
Product: Mortgage

I had my previous mortgage with RoundPoint Mortgage ( RPM ) for servicing which I got refinanced in XXXX XXXX. So RPM got the full balance i.e. {$380000.00} on XXXX/XXXX/XXXX. On this dat my escrow balance was showing {$10000.00}. However they deducted one more XXXX on very next day ( XXXX/XXXX/XXXX ) of amount {$3200.00} which is their fault. After this XXXX my escrow balance went up to XXXX. After this they issued my refund in three separate checks of amount 1. ) XXXX 2. ) XXXX and 3. ) XXXX. I deposited all three checked in my wife 's account. After few days one check of amount XXXX was returned to us by our bank. When I checked with RPM they said they stopped payment on it but they could not explain why they did so. After conversation they agreed to re-issue they check which will reach in another week or so. I did not get any check so I called after 3 weeks on XXXX XXXX XXXX. I was shocked to hear when they said they do not owe that amount to me. I explained to representative everything, I ha gone thru the transactions and she accepted their fault and promised refund in a week. However I did not get any check and called them today XXXX/XXXX/XXXX and got to know they did not issue any check. I have all the documents with me but I can bet if you will ask a middle school student to go thru my account and transactions he will figure out the difference. Unfortunately it is very difficult to explain the same to RPM customer representatives as I have seen them struggling with simple addition and subtraction. I would request you to take this matter as I doubt they are running a scam to cook the transactions at the time of closing account as everyone will not notice it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
Product: Mortgage

On XX/XX/XXXX my early payment for Freedom Mortgage disappeared. At this time I was trying to get another mortgage through XXXX.Because Freedom Mortgage was charging me for an escrow shortage plus 850 XXXX Though they couldn't explain to me why there was a shortage in my opinion thats fraud.I was told I did not make the payment and had late payments.They told the new mortgage company I had several late payments fees.Once went to my bank and proved I made th payment they started telling me they put the whole payment toward the principal .But when I got my XXXX statement it clearly showed that they put it in an unapplied account until I got a late fee .Then they dispersed they payment into my account. I copied all there records that show all there mistakes before they erased them from there records.By the end of XXXX I was down to 1 late fee Freedom 's agent told me that if I paid the late fee plus escrow shortages for XXXX, XXXX, and XXXX I would be totally caught up.So I paid XXXX on XX/XX/XXXX XXXX XX/XX/2022 myself the new mortgage and Freedom Mortgage got on a 3way call to prove I was caught upand with only one late fee.The first thing Freedom said was this is an attempt to collect a debt for XXXX $ .I said no I just paid you XXXX 4 days ago for XXXX and was told I'd be caught up.The lady said she'd have to check on it but would answer the other mortgages questions.The other mortgage asked if I had nonpayment or 1 late fee.Lady said yes then no nonpayment or late fees.He asked the same question again she said no ( Now I just paid a late fee with that XXXX, a latefee that that no longer exists except on my credit report the only bad thing on it ) .Then he asked does he have any late fees 30 days or more she said no.She hung up he knew it was bull because he said I can go in and take that late fees off your recordsI thanked him.Lost the mortgage reason was to many late payments main reason.I only have one late payment on credit report Freedom Mortgage. I copied all there info off the computer before it changed.a week later I talked to aguy from Freedom Mortgage and he told me thathe XXXX payment went to principal as read to him off my statement he ignored it.He told me I don't know what to tell you .I said I paid 13 payments in 13 months I paid early and more that I was supposed to but I owe XXXX? He said you owe a 14th payment for13 months and if you don't pay it they could take your home.I talked VA mortgage Friday the XXXX, she called me Monday XXXX sent everything I sent her and asked questions to Freedom. The only answer she got back was XXXX XXXX is up to date his next payment is XX/XX/2022. If this isn't wrong and against the law something is really wrong with the law.It has my paid in overdrive.