23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the three credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, bank XXXX XXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through transunion. transunion said i have a fraud alert but that is not helpful. i am supposed to have one foXXXX XXXX  but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called XXXX XXXXoday about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. XXXX did not do anything at all for me to remove any accounts i requested.
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 XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to dispute the following inaccurate account on my credit file. 
XXXX # XXXX XXXX they completed their investigation stating an update to my credit file. 
They updated stating I was 30 days late before. Which is inaccurate! Also the status updated shows XXXX XXXX which is inaccurate if the account was paid off in XX/XX/XXXX which is what the status updated should reflect XX/XX/XXXX. 
Also the account was updated to state that I paid this account off XX/XX/XXXX which is also inaccurate. This account status shows included in bankruptcy which in itself shows that I would not have paid the account off 7 years after it was opened when the terms state 12 months and it was only late 30 days in 7 years? Which all is inaccurate. The terms, the paid off date of XX/XX/XXXX, and the status included in bankruptcy XXXX, or XXXX. This account also in XXXX was changed to reflect a negative account because of a dispute! 

XXXX # XXXX shows multiple lates which are inaccurate. Previous disputes have them being removed and when asked to investigate they have been replaced without any notification from Experian. This account also has multiple inaccuracies. The open date is inaccurate, the account status is inaccurate, the payment status is inaccurate stating included in bankruptcy 7, 11 or 12. This account was updated with a 30 day late added from my dispute but still shows status updated in XXXX which is inaccurate. The terms are inaccurate as well. 

Experian has stated that they have conducted investigations which have resulted in my inaccurate information added to my credit file which is currently affecting my ability to get credit fairly. Also they results have produced more information that are in violation of the FCRA and seem to be biased due to my nationality which they use the picture of my driver 's license to establish.
Product: Mortgage

LOANCARE withheld an excessive amount in escrow for property taxes and has not refunded the overage to me despite numerous written and verbal complaints. After the purchase of my home XXXX XXXX, XXXX, an amount for estimated property taxes was withheld that did not include exemptions for XXXX, school tax and state age. I provided LOANCARE with a copy of the approved exemptions XXXX XXXX, XXXX requested a review and update of the amount withheld in escrow. They acknowledged receipt of my " inquiry XXXX but submitted no other response. Verbal follow-ups produced no results. I submitted a copy of the tax bill of {$850.00} to LOANCARE via their complaint portal for timely payment, an escrow review and the amount withheld in escrow updated. XXXX XXXX, XXXX LOANCARE acknowledged receipt of my inquiry. XXXX XXXX, XXXX LOANCARE notified my they disbursed {$3200.00} for property taxes. I called XXXX XXXX, XXXX and spoke to XXXX XXXX XXXX, provided my inquiry number and requested immediate correction. She apologized for the errors, explained the incorrect check was sent but they would submit a correct one, review and update my escrow and refund the {$3200.00}. She accomplished everything but the refund. I have been unable to reach her nor anyone in the customer service department.
Product: Debt collection

I was contacted via mail by A.R.M. Solutions, Inc. about an alleged debt for the amount of {$390.00}. I do not have a contract with them that would give them grounds to collect any debt from me, and yet they claim that I owe this debt. Due to the fact that they have contacted me without my consent, A.R.M. Solutions , Inc. has infringed on my right to privacy as a consumer. On XX/XX/2023, I mailed an Affidavit of Truth to A.R.M. Solutions , Inc. outlining {$6000.00} in violations that I discovered on their document dated XX/XX/2023 from their initial contact with me. I also attached an invoice for that same amount of {$6000.00} in damages to be paid to me by check. They received both documents on XX/XX/XXXX, evidenced by USPS tracking # XXXX. A.R.M. Solutions , Inc. has failed to rebut my affidavit with an affidavit, nor pay my invoice, resulting in a default on their end. On XX/XX/XXXX I mailed to them a Notice of Default and Opportunity to Cure, granting them 10 days from receipt to pay my {$6000.00} invoice. I am eagerly awaiting my payment.
Product: Mortgage

Received unsolicited letter via XXXX XXXX from Lakeview Loan Servicing Friday XXXX/XXXX/16 offering a VA XXXX loan, which is a VA Interest Rate Reduction Refinance Loan at 3.25 % ( 3.26 % APR ). 
Letter indicates this is a special offer and I need to act now : There are No Origination Fee, No Underwriting Fee, No Processing Fee. This is a streamlined VA process, no Certificate of Eligibility, No Appraisal, No Minimum Credit Score, No Employment Verification. 
The rate offered is 3.25 % fixed for 30 years and gives my specific loan details. 
The letter is signed by XXXX XXXX, Senior Vice President, Loan Originations. 
Indicating I need to act quickly to lock in my low rate by calling before XXXX XXXX, 2016. 
They are the company who is servicing my loan already so they have all of my information and details. 
Called Lakeview Tuesday morning XXXX/XXXX/16 around XXXX and spoke with XXXX XXXX XXXX. XXXX requested letter to be scanned and sent to him XXXX that same day. After a few back and forth emails he could not honor the agreement. 
I spoke with his manager XXXX XXXX at XXXX, XXXX made a number of statements of which I question the accuracy. He mentioned the 3.25 % is available but I will not get the lender credit. He also mentioned the company could do 3.5 % and I get the lender credit, which is the better deal and makes more sense. 
I requested lending disclosure documents for 3.5 % with the lender credit. 
Later XXXX XXXX sent an email link for loan documents soon after that. 
The loan documents list the no fees as promised in the advertisement and overall look correct, except there appears to be some questions how they came up with some of the closing prepaid fees and escrow account. Understanding how this works, I questioned the documents and was given an answer of questionable accuracy. 
I have requested numerous times to get the offer that was advertised they have not been forthcoming.
Product: Payday loan, title loan, or personal loan

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted XXXX payments that are reported as late. I have disputed the late payments already XXXX times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XX/XX/2020 and XX/XX/2020 ). I was affected by XXXX and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.
Product: Debt collection

My former partner convinced my to assist him in purchasing a steel shed, loan was going to be on his property for his use, he said he would make the payments. I was hit with a huge credit score drop as a result of unpaid loan. This affected my credit once under XXXX. I have worked very hard to improve my credit score and it turns out this loan was sold to a collect agency, Steel River, that has not mailed me anything in regards to this loan and I find out today that they have affected my score again. I am in the process of rebuilding my life as a single mother. What can I do? If no payment or agreement for payment has been made, why is this still allowed to haunt me years later?! Please help!
Product: Mortgage

We applied for a loan modification with our current servicer Shellpoint. On XX/XX/XXXX, Shellpoint denied a loan modification application without providing specific reasons or the required Net Present Value ( NPV ) calculation, violating 12 C.F.R. 1024.41 ( d ). The denial letter failed to disclose the actual debt-to-income ratio used or other pertinent information needed to effectively appeal the decision. A Notice of Error/Appeal Letter we will be mailing out is attached here. 

Furthermore, it's important to note that the root cause of our current financial situation stems from Shellpoint 's negligent misrepresentation regarding certain payment reversals in XXXX. This issue is explained in greater detail in the attached explanation, but in summary : A {$100000.00} payment made in XX/XX/XXXX was reversed without proper notification. 
Shellpoint representatives repeatedly assured that the payment had been received and would be applied, despite it having been reversed. 
This misinformation persisted for nearly 4 months, from XX/XX/XXXX to XX/XX/XXXX. 
By the time Shellpoint confirmed the reversal, they refused to accept regular monthly payments without first paying the outstanding balance. 
Shellpoint 's actions constitute negligent misrepresentation, as they made false statements about the payment status without reasonable grounds for believing them to be true. This misinformation caused significant financial harm and prevented timely action to address the situation. 

I am now appealing this denial and requesting that Shellpoint provide the specific reasons for the denial, including the debt-to-income ratio used, investor requirements, and NPV calculation, as required by regulations. Additionally, I am seeking rectification of the damages caused by their negligent misrepresentation regarding the XX/XX/XXXX payments.
Product: Student loan

My student loans serviced through Nelnet were granted a forbearance. On XXXX XXXX, XXXX, I received letters from Nelnet stating that my forbearance would be ending on XXXX XXXX, XXXX and my next payment due date would be XXXX XXXX, XXXX. On XXXX XXXX, XXXX, my personal bank account was debited for the monthly payments. According to the representative I spoke to on XXXX XXXX, XXXX, I should have cancelled my auto debit that had been set up when I first began paying my loans in XXXX. She agreed that my first payment was not due until XXXX/XXXX/XXXX, but said that if I had auto debit it would still attempt to deduct from my bank account prior to XXXX/XXXX/XXXX. During the entire year of my forbearance, it did not auto debit from my bank account and now suddenly it begins debiting before I am expecting a payment to be made. This is an unfair practice and causes confusion and hardship to the borrower. They can not simply debit your bank account when a payment is not due and then leave the borrower to deal with XXXX overdraft charges because they were not expecting a payment to draft ( as was my case ) or worse, the payment does go through but another bill, perhaps a mortgage payment, can not be made.
Product: Mortgage

While I was in bankruptcy from XXXX to XXXX I had my Mortgage modified to 2 % and was making payments of XXXX. After some time NaitionStar bank pulled the modified terms claiming the the person who did it did not work there then they said she was not authorized. Clearly someone authorized it and the banks computer system was taking my modified payments. I ended up making several payments over XXXX during my bankruptcy. I ran into financial trouble and missed some payments and was under the impression that because I was in bankruptcy I was not required to make payments. When I tried to pick up on the payments I was told that was not enough. So since the terms and interest rate was changed for 2 % to 7.875 % there have been XXXX thousands of interest over charges and the told me I had to pay {$250000.00} when the principal balance is only XXXX At any rate I am going through another modification attempt to reduce the balance and make the payment amount 30 % of my current income. I have been granted a Trail payment plan for XXXX from XX/XX/XXXX to XX/XX/XXXX I have submitted all the required documentation to reapply for the FHA HAMP modification program. The websites states it could take up to 30 days for NationStar to process. However I was told by XXXX XXXX around XX/XX/XXXX that they will do nothing until all XXXX trail payments are made. He also told me the loan terms will stand as is and not change. So they have clear blatant disregard for the HAMP program and have no intention on modifying my loan terms as it could be under HAMP. 

Attached are approval letter for the Trail payment, screen shot showing they have all required docs for the modification, Mortgage statement showing a minimum payment over {$260000.00}, And a Nationstar screen shot showing the principal balance with the raised interest rate of 7.875 %
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion all credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  The hard Inquires that are on my credit report that should also be removed. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Fedloans.org does not process payments in a timely manner and continues to charge interest between the day when the payment is submitted and when the payment clears. As of today, I submitted a payment on Friday, XX/XX/XXXX. As of today, XX/XX/XXXX The payment has not cleared and the outstanding interest continues to accrue based on the loan be-payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with the CFPB about Equifax and they responded by saying that the information was verified, but they did not answer any questions as to who verified this information and where they got it from and this is the information I requested. My rights are being violated. I have this item on my report and it shouldn't be. In accordance with the Fair Credit Reporting act MN Child Support Enforce XXXX, has violated my rights. 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. This information needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I had obtained a 3 bureau credit report and notice that XXXX, Experian and XXXX are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my report.
Product: Checking or savings account

I opened a XXXX XXXX XXXX plan in XX/XX/2020 for XXXX children on USAA without knowing that they were in the process to switch to XXXXXX/XX/XXXX In XXXX I called USAA service department to increase my contribution from {$50.00} to {$120.00} on both accounts. The person I spoke to, told me that she could not doing, I have to do it on the XXXXXX/XX/XXXX website. In the meantime I need to put a stop payment on the current amount and go do it on the XXXX XX/XX/XXXXsite. instead of putting a stop payment she put a block which did not allow them to further withdraw money from my account. 
In XXXX I went to victory capital and set up a recurring payment on their website. Not knowing about the block XXXX XXXX charged my account {$50.00} in fees because of USAA rejected it. I called XX/XX/XXXXXX/XX/XXXX four more times in two months to help me set up the recurring transaction. Each of those times USAA blocked them and charged me {$200.00} for a total of $XX/XX/XXXX.When I finally realized about the all the fees, I spoke to a supervisor at XX/XX/XXXX. He told me that was USAA mistakes, they will not refund me the fees. I called USAA, they agreed that was their mistakes and they can only refund me {$100.00}. I told them I will not accept it because that was their mistakes. They pretty much told me. " Take it or leave it ''
Product: Credit reporting or other personal consumer reports

The information they are reporting is incorrect and inaccurate.A real true debt validation is send all info being requested by the person being accused of owing debt Im requesting the History of the account.I want all my account statements Which will show the balance of the account I dont want an itemized statement.I want all my statements for history of the account.If you cant supply this delete the file from all XXXX credit reporting agencies. 
I want all the notes that is on the account .I want the original credit card agreement with Terms and conditions Why wasnt I given any XXXX  relief.They didnt help me during the XXXX pay off the debt .They didnt offer any resolution or care act.All this will be brought up.If I choose to file a lawsuit.I will then request legal discovery and subpoena what Im askingIm willing to pay the {$400.00} to take this to federal court.They filed a case in District court i guest to intimidate me.Which should be a violationThis incorrect and inaccurate stuff on my credit is a violation of my civil rights and FCRA and FDPA. 

A federal lawsuit will be filed if this isnt investigated.If Im not given what Im requesting
Product: Money transfer, virtual currency, or money service

I began a cryptocurrency and stock investment account with Robinhood 2-4 months ago. Over these Months, I deposited {$72000.00} As I transfered some funds out, Robinhood froze the account, and asked for ID, Selfie, videos, bank statements. A service representative called. I validated every transaction. I provided all documents. 

a few days later, they said the accountn is canceled. No reason given. They sold my crypto and stock and are keeping my money. This has been since XX/XX/XXXX. 
They even took in deposits during this time, I didn't have a chance to cancel. 

I see on XXXX, they have done this to numerous people and kept the funds for 5 ( or more ) months. 

Please help. This is all I have. I am a career XXXX. I worked 12 hour shifts for that money. 

The BTC halving is in less that 20 days and I hoped to have the money reinvested. This is such abuse of power. 

I am really scared. 

Thank you XXXX XXXX
Product: Debt collection

Please let me know what company this is. I have no idea what company this is.
Product: Credit card

I sent them on XX/XX/2024 copies of the letter I opted out of Dell extended warranty, I called XXXX several times in the last pass year and was told that I have to keep paying until they get this straighten out and what I pay will be refunded to me, that never happened. So I quit paying on something I didn't owe. When I asked for my refund, that when they said I was 30 days late twice. I closed this account out frustration that no one from Dell or Comenity Capital Bank. Comenity couldn't or wouldn't get any information from prior to the sell from Dell Financial, but still was able to charge me for information they couldn't obtain. All I asked that they delete the 30 days late and they didn't need to refund me. 
In option no one research this, only went the misinformation that showed on their computer, if they would look more into I wouldn't being punish for their error.