23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2023 made 1 year since we applied for a partial loan with the VA. Since XXXX of last year the partial claim has yet to be paid due to the fact that the mortgage company is givng the VA department the wrong account number to process the payment. I have been calling weekly to get updates and to speak to my point of contact but she has yet to call me back. I have also emailed her and still no response. Im afraid they are waiting and we could lose our home. Every month that we pay our mortgage they send a letter the follwoing week and the past due balance is always higher. We also cant access the online portal for BSI because the loan isnt current. So basically we have to go with whatever they are saying. We have asked for a print out of all payments that has been made to BSI and haven't received these documents either. I dont understand how this can happen to a veteran family. A veteran that has XXXX XXXX XXXX  When we was switched to the new mortgage company our past due balance was no where near what it is now. They tell us that as long as we are making monthly payments they are holding the money in an account until the VA pays them and itwill bring the loan current. This is also affecting our credit. We have read many reviews on BSI financial and they are not good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS MY AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, submitted a dispute of information, obtained from accounts XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX, to TRANSUNION and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. I reached out to TRANSUNION for the details of the investigation that they did to verify this account. This is my second request and I have not received any proof of details showing that they've done an investigation. I filed my complaint about this and I requested a description of the procedures used to determine the accuracy and completeness of the information reporting. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to TRANSUNION 's blatant disregard for federal law. It is my belief that TRANSUNION feels comfortable committing blatant violations of the FCRA because they know the CFPB will not enforce the laws set forth by congress as shown time and time again. TRANSUNION has caused me stress, anxiety, marital issues, sleepless nights, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ), if any reinvestigation of any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. Pursuant to 15 U.S.C. 1681a ( e ), " The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. However, such information shall NOT include specific FACTUAL INFOTMATION on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Since this statement let 's me know that their " investigation '' is not valid, this information must be excluded from my consumer report. I preferred to receive their response through the CFPB portal because I know that they've told me before that they would provide a response through the mail and it was not what I thought it would be. 15 U.S.C 1681a ( 2 ) ( A ) ( i ) also states that the consumer report should NOT include a report containing information soley as to transactions or experiences between the consumer and the person making the report.
Product: Money transfer, virtual currency, or money service

I got an email from PayPal saying thank you for making an online payment of {$350.00} for acct no ending inXXXX for some antivirus software, if not you call XXXX or XXXX. I called and they said someone in the XXXX was using my information and then tried to get me to let one of their techs fix my computer remotely for {$400.00} that they wouldn supposedly return if l called their fraud department. I do not hav a PayPal acct.
Product: Credit card

I am writing you to lodge a formal complaint to TD Bank regarding the sudden, unjustified closure of my TD Cash Rewards credit card account. 

When I opened the TD Cash Rewards XXXX credit card account on XXXX/XXXX/XXXX, there was a promotion attached to my account for " Earn 5 % cash rewards statement credit on eligible purchases with your TD Cash Rewards XXXX card. Eligible purchases include dining, groceries, gas and cable, phone and utility bill payments for the first XXXX months after account opening ''. Everything was fine for the first XXXX months. However, in the XXXX month, all grocery store purchases I made between XXXX only earned me 1 % cash rewards. I called TD bank to inquire about the missing rewards on XX/XX/XXXX and without any notice in advance my credit card account got cancelled on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act shows violations by the following account : XXXX. XXXX XXXX account # XXXX This account violates the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( 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.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. 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.

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report this account. The following account is being reported in error. Please delete the above account ASAP.
Product: Mortgage

Back in XX/XX/XXXX I moved to XXXX stayed at brother in laws houseLittle I knew he purchased a house in XXXX under my name using my informationThe house went foreclosure I moved to XXXX in XX/XX/XXXX recently I wanted to rent a apartment the leasing company checked my credit they informed me that I have loan under my name with 5th thirth bank I was shocked I contacted the bank they told me to contact the credit berue I really need help I have never been in this situation before please reach for help thank
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists
Product: Credit reporting or other personal consumer reports

I requested the removal of inaccurate information : account XXXX XXXX , the reporting agency did not properly investigate, instead they just added a consumer statement
Product: Student loan

The Servicer Navient, for XXXX changed my loan terms without my knowledge or approval. I have never missed a payment or been late on a payment. The payments went from {$50.00} to {$150.00} without my consent. Navient ( spoke with Supervisor XXXX ID XXXX on XXXX/XXXX/2016 ) stated that there was mistake several years ago when the loan was first made and terms of the loan needed to change with or without my consent so it could be paid off in 15 years. They sent me XXXX email ( on XXXX/XXXX/2016 ) which said to go to their website to see information related to my loan, which I overlooked and never saw. The also said they sent another email, but I did not receive any other communication via email. Navient also stated they called and did not leave messages on XXXX occasions on XXXX XXXX, and XXXX, 2016. There was no written communication sent to my home regarding any proposed changes to my loan terms. The auto draft came out for my XXXX payment for the {$150.00}, which I disputed with my bank and reversed. Navient is now saying I am now past due for the {$150.00} and owe for both XXXX and XXXX {$150.00} for each month. 
I do not consent to this change and would like assistance in returning my loan terms to the original agreed terms. 
Thank you for your assistance.
Product: Debt collection

As of XX/XX/2022 have not received any information about this collection. I disputed all my credit bureaus due to unverified information. This is fraud and is a violation of the Fair Debt Collection Practice Act and validation is required by Federal and State Law. In addition, is a violation of the HIPAA Act. This must be REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit reporting agencies to report identity theft/fraud on XX/XX/2019. 
XXXX XXXX removed the fraudulent charges - deleted XXXX XXXX XXXX - deleted XXXX XXXX XXXX - deleted XXXX/XXXX XXXX {$8700.00} I have disputed this charge 2 times. XXXX states the charges " remain '' XXXX  Credit Reporting has not investigated this. I have not been able to receive any information regarding " What the purchase was '' " Where was the purchase made '' etc I have the right to this information. 

** I have attempted to contact XXXX XXXX XXXX 10-12 times and have been completely unable to speak to anyone on the phone. I have mailed copies of my police report to all three credit reporting agencies and to XXXX XXXX XXXX. No response what so ever. 

Please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Sunday the Global Payments Gaming Services is denying me to have my personal checks cashed through their services at Gaming Establishments. 

When I asked why they are refusing to tell me. I haven't used their services since the XXXX 's and I satisfied all checks in the allotted time that was given at that time over 20 years almost ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX, Equifax and XXXX on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per new credit law on XXXX XXXX, 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy  is still reporting on Transunion inaccurately.
Product: Credit reporting or other personal consumer reports

This is my formal complaint to THD-CBNA. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are in Retaliation and Discrimination against me as a XXXX US Military Veteran. 
I have filed many complaints with Federal Government and Company are in Retaliation because of file complaints. 
XXXX has violated my XXXX XXXX Act under Department of Justice.and both Federal and State Laws. 
On a phone conversation of XXXX with XXXX Account Vice President XXXX XXXX she promise to remove all derogatory remarks on my credit report with Experian , XXXX and XXXX and support as a US Military Veteran. 
Now she denies on promises and only spoke with XXXX on the phone and not with Mr.XXXX, XXXX Compliance Manager. 
Mr.XXXX just want to protect Ms.XXXX  and the special interest of the company from any Federal Violations Law Sanctions. 

XXXX credit Reporting Agency stated they receive the verification of Derogatory remarks removals of 30-60-90 days of XXXX from XXXX credit department by electronic message or verbally.. 
XXXX XXXX XXXX receive also the derogatory removals from XXXX. on XXXX XXXX. 
It appears that XXXX has business partnerships with XXXX, Experian?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account XXXX XXXX XXXX XXXX XXXX This account was opened without my knowledge.
Product: Payday loan, title loan, or personal loan

I paid off my loan with this company and overpaid XXXX in XX/XX/2023. The company stated they would return the excess I paid in 7 to 10 business days. I still have not been paid my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the following items below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Product: Debt collection

I paid this debt off with XXXX apartments, and National Credit syst. picked it up and i disputed it, and my credit score drop another XXXX points
Product: Credit reporting or other personal consumer reports

My account is still showing closed when it is open and active as TRANSUNION is reporting the account incorrectly!!!
Product: Credit card or prepaid card

I logged in to my Walmart Account ( Synchrony Bank ) to make sure that my account was set up for payment. I noticed that my credit limit had decreased by {$350.00}. I used the on line chat and the person was not much help and said that I will get a letter in the mail. I asked to speak to a supervisor and I said I do n't understand that I have never missed a payment and she said it has to do with my credit score. While on line I pulled up my Fico report and said since you issued me the card my credit score has gone up over 25 points so that is not the reason. She said to wait for the letter. In the meantime I got a Fico alert that my credit score decreased by 25 points. I logged on it was due to the credit limit decreased imposed on my by Synchrony Bank, nothing else had changed. Credit Limit Decreases look extremely bad on your credit report. I then waited for the letter and the credit score they have listed and what my XXXX credit score on their " website '' ( yes, they show the actual Fico Scores ) was not correct. My credit score was much higher then the letter they produced. They are trying to blame transunion when in fact this company does practice what is called credit chasing. You use your card and pay it off and then as you begin to use it again, they start decreasing the limit. I looked on my Fico forum and there are tons of complaints where Synchrony Bank has done this to many cardholders for many retail accounts. And they send a notice about two weeks later, meaning if you go to the store and use their card and you are unaware of this you could get denied and embarrassed at the check out. This should not be allowed. If I had missed payments, abused my credit or my credit score actually did decrease significantly then definitely I could see that they want to protect their money. But not only was this not true, they actually made up a score to decrease my limit.
Product: Mortgage

I was in a loan program that had an interest rate of 5.375 %. On XXXX XXXX, XXXX, XXXX XXXX ( a mortgage originator for XXXX XXXX ) told us that he can switch our loan program to a different program with 4.875 % interest rate. I did n't like the sound of 4.875 %, but I was willing to go for it because I was convinced that he would work hard to get me the best rate. I gave XXXX all of the necessary documents to switch to the loan program of the 4.875 % interest rate and it seemed like he 'll handle the job well. Then, suddenly, on XXXX XXXX, 2017, XXXX had to get XXXX XXXX the next day so XXXX XXXX ( a loan originator for XXXX XXXX ) took over to close the deal. At that time on XX/XX/XXXX, there were only 2 days left for closing. On XX/XX/XXXX, XXXX contacted me that the rate was locked at 5.375 % and the closing date has to be extended to XX/XX/XXXX for the second time. I do n't know why the closing date has to be extended again to XX/XX/XXXX. Between the timeline of XX/XX/XXXX and XX/XX/XXXX, everything seemed fine with the loan process. I was approved for the loan, gave them necessary items that they asked me, and came up with 30 % down payment. I pretty much did whatever I could on my part. What happened between XX/XX/XXXX and XX/XX/XXXX on XXXX XXXX 's part of the loan progress? Why did I get notified of the increased interest rate at the last minute?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like this inaccurate information to be REMOVED : XXXX** XXXX XXXX XXXX I would ALSO like these inaccurate information to be UPDATED TO POSITIVE ONLY : XXXX CAPITAL ONE XXXX XXXX XXXX Date XXXX : XXXX