23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I noticed that within XXXX hours for some reason my credit score has fallen tremendously onSept XXXX. I have been researching all day almost trying to figure out what has occurred or going on. I finally detected it after I gained access to my XXXX to freeze my files. But took the time this evening to investigate even more of my suspicions that I noticed on XX/XX/year>, my Valon Mortgage Account. At XXXX, I noticed that I could not log into my account with my credentials and password. I checked again and it was right. The website looked different and I was so puzzled what are they doing and where is my mortgage information or payments etc. Something was off. 
I was upset and closed and retyped XXXX to access my account. I tried my credentials again and it worked. I began researching why my credit score dropped XXXX points on XXXX then went and looked closer at my data on XXXX I did a free credit report inquiry on myself discovered something verysuspicious and tied it to a text message that XXXX  received on XXXX. I could not use my account credentials and password to see what the heck was on this application, I knew something was wrong besides a payment incorrectly applied to my account for XX/XX/year> that they mentioned they would fix also of {$25.00}. Like how can one make an error saying I still owe when I paid it on full on XX/XX/XXXX of the {$830.00} total. How can one not see that and still have the nerve to produce a XXXX mortgage statement like I still have an outstanding late fee of {$25.00}. With a statement saying I'm XXXX days late. How Indicated at unapplied balance {$25.00} to add to {$780.00} when my monthly mortgage payment without late fee is {$810.00}. 


For the suspicions that my account fraudulentlyhad a loan application opened without my request, I demanded an internal investigation to see what employee or who had access to send me a text message on behalf of XXXX XXXX  which is connected to Valon Mortgage. My ticket number regarding the unauthorized mortgage application XXXX which the Customer Service Agent gave me for my record.
Product: Mortgage

I will start with my medical situation as a base for what has transpired but not as an excuse only to illustrate timelines. I had some medical issues revolving around my XXXX which led me to originally fall behind on my loan and I eventually paid everything I was behind and continued on paying my mortgage. My health further declined recently after a XXXX XXXX. I chose to sell my home and move to a place that would allow me to be independent longer. After listing the property and realizing this diagnosis isn't the end and that I have many years left in me I approached Ocwen with the idea of getting a modification to help ease with my treatment costs etc. I will attache all of the documents I received from Ocwen and I was ecstatic and thankful when they gave me a loan modification. In XX/XX/2018 I was given a trial modification which had me making three payments 1st in XXXX, 2nd in XXXX, and 3rd in XXXX. I made all of these payments and continued  making that payment amount. When Ocwen sent me a final modification I signed it and returned it asap. Ocwen eventually stopped taking my payments and told me it was because I didn't return the final modification!!!! What!!!! I was defeated I did literally everything asked and my prayers that were answered were now shattered. I am attaching the trial modification, the signed final modification, and the three statements I received from OCWEN when I was in my trial. The one to focus on is XXXX 's statement. Per my agreement it was to be {$5900.00} and they sent me one for {$38000.00}. After reviewing it and speaking to some friends that have experience it is my believe that Ocwen accidentally had me in a forbearance and not a trial modification, when the forbearance in their system was up I needed to pay $ XXXX and then subsequently I lost my modification and no one has been able to answer why other than it was not returned, which it was! Please help me square this away and let me get back on track, I can make the payment I just need help getting everything back in order as it was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/2021 in regards to an account that is appearing on my report by XXXX XXXX XXXX for {$680.00}. 

I sent USPS registered letter # XXXX on XX/XX/2021 to Transunion requesting physical verification of the alleged debt in accordance with Section 609 of the FCRA. This section of the FCRA, Section 609 ( a ) ( 1 ) ( A ) states that credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. 

Transunion has refused to remove the alleged and fraudulent debt from my file and has further refused to provide me with the requested physical documentation from the original creditor. 

This is in non-compliance with the provisions of the FCRA that were designed to protect consumers like me. Transunion is violating my rights as a consumer. Their refusal to comply with federal law has maligned my credit report. 

Today ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX via telephone ( the company that is erroneously reporting this debt to XXXX  XXXX and the representative did not provide any signed documentation to evidence a contract between myself and this alleged debt to Transunion after my written dispute was submitted to them. 

Today ( XX/XX/XXXX ) I also contacted the creditor that sold this debt to XXXX XXXX XXXX, which was allegedly XXXX XXXX XXXX  They too have no physical documentation or signed contract to evidence any debt with me. 

I am seeking your help to hold Transunion accountable for their non-compliance with the FCRA in regards to this matter. I need this erroneous and undocumented account removed from my credit history to enable me to get mortgage financing. 

I appreciate any consumer guidance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXXAND XX/XX/XXXX2017 I PAID {$19.00} A MONTH FOR XXXX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER XXXX, XXXX, OR TRANSUNION IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.
Product: Debt collection

I am a victim of identity theft. 

Fraud Account Information Company Name : Lnv Funding c/o Resurgent Capital Fraudulent account number : XXXX Fraudulent Balance : {$320.00} Alleged Original Creditor : XXXX I have never had any relationship with the company with LNV Funding LLC c/o Resurgent Capital Services & XXXX XXXX XXXX XXXX 
This account is not mine. Fraudulent account was established using personal identification without my authorization. 
This account is the result of identity theft.
Product: Money transfer, virtual currency, or money service

fees added up to {$300.00} from my account that I tryed to dispute in the year of XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got scammed on XXXX  reported it to chase and they did nothing told me they would investigate and did nothing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

According to 15 USC 6802-6805, 16 CFR 433.2, 16CFR 433.3 and 16 CFR 313.7 I haven't received an oped out request and I have the right to oped out and request to be oped out. Under the terms and conditions and privacy notice of dept of ed/XXXX  as well as XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX it states that these companies dont provide my information to non affiliates like XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and Equifax which are all third party companies. Proof of claim is my XXXX XXXX XXXX report. The Educational and Privacy Act of 1974 also states that my XXXX  wasn't suppose to provide transaction history to any third party companies. Dept of educationXXXX violated my rights which financially and emotionally damaged me. Also on 15 USC 1681, the certificate of indebtness is income and must be removed. Under the fair credit report act page XXXX it shows that these companies violated my privacy. Also 5 USC 522A, They are NOT to give my social security number out. Lastly promotional inquiries are also a violation. By law, I am suppose to be compensated {$1000.00} per violation. 17 CFR 424 shows proof that these companies committed language fraud and solicitation because under these companies XXXX and XXXX reports, it clearly states that they will NOT conduct solicitation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, Subject : Request for Correction of Inaccurate Late Payment Reporting on Account I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX with XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code XXXX, creditors must send periodic statements at least XXXX  days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code XXXX mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting. 
Summary of Errors on Account XXXX-Day Late Payment : Incorrectly reported as XXXX days late in XXXX, despite my consistent on-time payment history. 
Account Status and Remarks : The account status is incorrectly listed as Closed, with remarks indicating the account was late, which inaccurately reflects my payment history and account standing. 
Dispute Status : Incorrectly listed as " Account not disputed, '' despite my previous attempts to rectify this issue through disputes on XX/XX/year> and XX/XX/year>. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within XXXX days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am able to gain access back into my accounts. Wells Fargo has allowed my account to taken over and didnt inform me of the criminal activity. I noticed when I was waiting on a check for an unauthorized transaction and product back in XXXX  that I didnt request nor ask for for XXXX  fraud services. I was billed, ignored many times and begging for some compassion for selling product to me that was brutally structured and locked into with no way out. Its unfair to the customers who are not XXXX  XXXX or anything except XXXX  Peoples. Im XXXX XXXX and I truly believe this why my many many complaints were ignored. I initiated this most recent investigation by walking inside Wells Fargo who are extremely rude over the phone. I have been dogged out by Wells Fargo repeatedly loosing my vehicle, my XXXX back pay a whopping XXXX for a car that wasnt worth it and ended up with a 60 month term at {$310.00}. I dont know how much I didnt know back then. But it cost me all and everything I worked for all my life to be ignored by loosing my car with forced XXXX XXXX. That I didnt authorize and definitely made my payments where its unaffordable for a fixed income single parent. I tried changing my mind in total fear but they said the check had already been processed. PLEASE GIVE ME AN UPDATE FROM WELLS FARGO RECENT UNAUTHORIZED PRODUCT ADD ON OUTSIDE OF XXXX XXXX  I SUFFERED FROM. Will be XXXX XXXX IDENTITY PROTECTION BACK FROM XXXX. Reference # XXXX. MEMBERSHIP # XXXX XXXX  # XXXX. PLEASE DONT TAKE YOUR TIME, I NEED YOU WELLS FARGO TO ACT EXPEDITIOUSLY!!! This has been simmering for many years!!!! I deserve to be treated fair with equal opportunities within a reasonable amount of time demonstrating all professionalism EXCEPT LACK OF CARE!
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION BREACHED THROUGH AN EMPLOYER AND EQUIFAX, I WAS ADVISED THIS WAS REPORTED TO AUTHORITIES. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB XXXX 
NOT ONLY DID I NOTICE FRAUDULENT ACCOUNTS, BUT ADDRESSES AND CREDIT INQUIRIES I HAVE NOT AUTHORIZED DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

I got a loan from XXXX XXXX XXXX. Shortly after I lost my job, my home, my family, My motor blew in my car & I couldn't keep my daughter. I was unable to support her she went to live with family because I could not buy food. I told the office I was struggling. I missed payments. They kept calling and texting every day. I sank in to a deep XXXX. They sent my account to a collections. I told collections my situation that I was indigent. They kept calling. Eventually they gave my account back to the loan company. The loan company then gave my account to a second diffrent collections. Now they call and text me every day. I've gotten XXXX negative remarks on my credit from XXXX loan. I suffered mental anguish over this. I have XXXX  to XXXX XXXX of XXXX XXXX when my phone rings. This has affected my daily life and has prevented me from getting a proper job now because I fear everytime I answer the phone I have to relive my lowest point in my life and it puts me back in my XXXX. It's a constant reminder that my hardest effort to maintain a healthy life were pointless and a waste of time and engery. A reminder of no matter how hard I tried, prayed, attempted or struggled, my every effort was not nor would ever be enough. Even writing this to you has my chest aching & burning and I'm short of breath.
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. 

Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

I froze my credit with Experian on XX/XX/2016. I received a pin should I need to thaw or lift the freeze. I applied for a job, was hired pending the credit report. When I tried to thaw the report, even though I had my pin, I was told I needed to mail several identifying papers. I did not get the job due to my credit not being available. I never asked to have my credit " monitored '' from Experian. I feel they stole my information, and now I can not go forward until this is resolved. at best, there should at least be a number to talk to someone. I tried for days, calling many different numbers. They all have the same mantra of a recording asking if I want MORE protection for only {$21.00}!! How can you allow this? I have excellent credit, and Experian has punished me with their inept business practices. They should not be handling this vital information.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF FAULT- Equifax is continually reporting false claims not in uniformity with the other two credit agencies in these recordings of false claims, or against the statutes of 1692 along with supreme court case law these incorrect reporting need to be deleted as it stands, now, there is possible liability and irreparable damage and stultification on a business level. The other two credit agencies, XXXX XXXX and XXXX are in compliance. This is a commercial corporate LLC account.
Product: Credit card

I reviewed an offer via XXXX XXXX for am amex blue cash everyday card. The advertisement stated that there would be no impact to my credit score to see if i prequalify. The website then stated i was approved but set my credit limit at XXXX. The promo offer for new account opening states you have to spend XXXX  in the first 6 months to get a rebate of XXXX. This is the only reason i applied for the card, if AMEX sets my limit to XXXX, how am i supposed to make enough purchases to get the promo? This is a bait and switch and intentionally done by AMEX to prevent people from qualifying for the promo payout. My credit score is XXXX and there is absolutely no reason other than intentional fraud o discrimination that my limit should be a paltry XXXX. I called AMEX new accounts and spoke with XXXX who was not able to help me and i requested a supeverisor. I advised robot i will be filing a complaint with CPFB and would like a callback from his supervisor. XXXX gave me confirmation number XXXX. I requested AMEX either cancel this application with no impact to my credit file or increase the list, AMEX refused to do either and stated per the terms, the account can be canceled but will appear on my credit file as a new account and drop my score. I am furious that they are allowed to bait and switch people thereby forcing them into a sub level product with an unusable credit line. Please close my account and erase from my credit file, or increase the limit significantly. 

XXXX
Product: Mortgage

Called Wells Fargo XXXX to pay off XXXX XXXX 's equity line under name XXXX XXXX. I am his son-in-law, XXXX XXXX. His home number is XXXX. 
My complaint is based on the excessive premium that Wells Fargo placed on XXXX when he let his property insurance lapse. He is not savvy in finances and also XXXX is his second language, so he did not know what " forced Insurance '' is. 

I called to pay off the equity line today and they said they would have that number on Monday. They also said it would probably include the principle balance of {$620.00} and also the unpaid insurance balance which is {$5900.00}. 

As we know forced insurance only covers the banks exposure. I feel that Wells Fargo has charged excessively for the forced insurance and that a fairer price should be negotiated based on the exposure of {$620.00} balance with a line of credit for {$24000.00} max.
Product: Credit reporting or other personal consumer reports

Sent in disputes for XXXX accounts that were reporting inaccurate information. Nothing happened. The XXXX accounts are still reporting on my account. I understand that your company is required by law to report accurate information on a credit report. If the information is found out to be inaccurate or wrong, you are supposed to delete the information from my consumer report immediately. The accounts need to be deleted, or I might have to contact someone to proceed with other action to protect me and my credit.
Product: Debt collection

A new debt surface on my credit on XXXX XXXX, XXXX from a company called Lockhart Morris & Montgomery for the amount of {$7000.00}. I asked for information showing that this debt was mine and they have failed to submit anything to me. I never heard of this company and don't have any accounts with this company.