23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Bank of America. I applied for a loan modification. They confirmed that my submission was complete as of XX/XX/year>. They asked for additional information ( which I gave ) but they noted that 'any foreclosure proceedings will continue as scheduled under the heading " Important information about your legal protections '' This is contrary to the Minnesota XXXX on foreclosure requirements which require them to stop the foreclosure sale when you file no later then 7 day before the auction sale date. As of today was advised by the lender that my application was still pending but they have not stopped the sale. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX XXXX / XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress. 
As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
XXXX. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX XXXX XXXX prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a serious problem with XXXX XXXX every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. XXXX is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with XXXX debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by XXXX XXXX to purposefully XXXX character through negative reporting to the credit bureaus.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  XXXX, sent my funds to the wrong account number. They try to dispute and recall but was unsuccessful due to Wells Fargo denying it. Wells Fargo has not been able to assist me. The amount disputed is {$300.00} from my pay roll that was supposed to be to deposit to my account on XX/XX/year>. I have been in contact with Wellsfargo for almost 2 months and Wellsfargo have not been able to retrieve my funds from erroneous account.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX XXXX, 2022, for the said request, I have not received any response up to this date, XXXX 2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Mortgage

XXXX XXXX I emailed XXXX XXXX XXXX ( branch manager Finance of America , LLC at that time now he is affiliated with XXXX  XXXX XXXX  : XXXX IN. ) about down payment assistance program for 1st time buyer. He called me same day and advised we have a program that helps with up to 30k for  down payment and closing cost. He said it was called the Chenoa Program.  Requires to take a buyer 's course and have a XXXX credit score. 
XXXX XXXX-I signed contract with XXXX XXXX base price XXXX. ( after studio options price is XXXX options paid to XXXX  upfront ). Earnest Deposit XXXX XXXX XXXX I received a preliminary closing disclosure and my realtor pointed out to me there is a down payment amount. XXXX and his team kept deceiving me and never would answer my question until I spoke with him on XXXX. 
XXXX XXXX Discovery Period FHA documents had incorrect information XXXX  Sales Consultant requested loan assistant for the Underwriting and XXXX  Questionnaire to be resent with XXXX XXXX XXXX since they changed from Finance of America , LLC . 1st time discovered about the XXXX  questionnaire XXXX and his team never intended to help with the program they offered me. 1st time discovered the underwriting docs had me listed with 2 retirement accounts which is incorrect. 
XXXX XXXX I called XXXX ( down payment assistance ) directly and spoke with Rep. he advised that Finance of America , LLC is part of their lender list and XXXX   XXXX XXXX  is not on their lender list. 

While building the home there was never disclosure of the loan type in detail, Loan estimate, lender change or affiliation notification, down payment assistance program and accurate disclosure statement. 

This is very deceiving to me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Data Breach left me in financial Rouin and they won't do anything about and Transunion and XXXX are following suit with credit report being all wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters to the credit bureau and they didn't remove the credit alert which prevents me from applying for credit.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX, and financed with Exeter - two RISCs were signed, one on XX/XX/XXXX, and the other on XX/XX/XXXX. The dealership lied to me and stated that the optional products that I purchased were required in order for Exeter to finance the loan. I purchased GAP for {$890.00} and an Extended Service Warranty for {$1400.00} [ total : {$2300.00} ]. Also, I submitted a cash down payment of {$1000.00}. Further, the dealership told me to tell Exeter during the confirmation call that I had a vehicle that was used as a trade-in for this deal, a XXXX XXXX XXXX XXXX- the dealership said that they purchased this trade for me through craigslist, in order to use towards the down payment. 

I informed Exeter about the optional products that the dealership said were required to purchase, and Exeter did nothing about it, they told me to call the dealership and dispute my issue with them ; the dealership said to contact Exeter because they are the ones who funded the loan and required the optional products. Exeter repossessed this vehicle around XXXX of XXXX and sold the vehicle at auction. I asked Exeter to refund me my down payment which was applied towards the optional products multiple times but they refused to do so. After conducting research, I discovered that I am entitled to a full refund of my down payment and car payments since Exeter unscrupulously accepted and financed this loan, they lied and the dealership lied - I want my money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the persistent and unresolved issues with fraudulent items that continue to appear in my credit file. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items in my credit file on [ Date of XXXX XXXX ]. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the fraud. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included proof of the fraud and any related police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist in my credit file, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items in my credit file. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit file. 

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit file. 

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter.I am asking for your immediate assistance to remove the following fraud items in my credit report : 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 XXXX XXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally had to change my name due to mixed accounts and identity theft and despite me sending in proof of my identity and resolving this issues the credit agency has locked me out of access to my credit report via hard copy and online. They refuse to update false information on my credit report and do not acknowledge the proof of my identity sent in vial the mail or uploaded online. This has affected my life, health, opportunity, finances and livelihood for 6 years and counting and still I am disputing and begging them to correct their error despite it being over 6 years of 30 days past the time they should have resolved this issue and yet here I am 6 years later still begging for the law to be abided by so I can have my life back. I have suffered significantly while these companies receive monetary gains by allowing false information to remain on my report in addition to keep ing me locked out and unable to resolve any issues that are hindering my financial growth and creditability. I have paid more than they will ever imagine and now I want to file a law suit because this is not being resolved the way it should have been 6 years ago. I have suffered higher interest rates, lost business opportunities and many other opportunities not to mention the embarrassment of seeming to be noncredit worthy and irresponsible due to their negligence while they gain financially from this discrimination, false reporting and profiling knowing that I have submitted the proof from them to correct my account and put it back in good standing. I have been impacted by the Equifax security breach and can not even take advantage of the extra credit monitoring protection measures due to this inability to access my credit profile for this company or dispute, view or upload anything online. They show a credit score that is supposed to be mine from XXXX and yet the date I am logging is is showing XXXX, this is unacceptable and very illegal. I have yet to receive even a hard copy of my report per my request.
Product: Debt collection

I had a 2 previous debts with XXXX XXXX that I had on my report for 7 years before it removed itself. Recently I got a notification from XXXX that a company called asset care has purchased the debt and its now on my credit again. XXXX XXXX was the original collection agency for a debt that I was never even aware of until it was placed on my credit. When I reached out to XXXX XXXX I was advised that not debt showed up and I would have to deal with XXXX XXXX. The debt is over 7 years old but it keeps reappearing on my credit. Ive disputed multiple times because of the age but they continue to sell it off and add it back.
Product: Mortgage

At the time my loan originated we owned less than 20 % equity and agreed to pay PMI. The company claims to have a process to cancel PMI sold the LTV ratio meet 20 %. After weeks of going through their steps, Dovenmuehle charged me to have an appraiser come to my home. His report showed that I own 42 % equity in the home. Dovenmuehle has refused to cancel PMI and is now asking me to restart the request process.
Product: Student loan

I'm extremely disappointed by the predatory behavior of Navient. My paperwork disputes what your customer service reps are saying my total is ... that is very concerning and the fact that it will take a week or more until I get a statement is also concerning. 

This rant is also brought on by my recent research. Taking a deep dive into my emails from Navient starting in 2014, they have only pushed forbearance on me. It wasn't until very recently they offered other solutions. Now that I make far more money than I did out of college those other solutions wouldn't work for me anymore .... but they would have been GREAT during that time. And the only reason my loan is where it is ... is due to my situation after college ( getting paid minimum wage at an XXXX XXXX and suffering from health issues ) Also, their customer service rep today around XXXX ... suggested forbearance again! Only when I asked what the negative effects were he told me it would add more costs to my loan. Only when I asked if it was a better solution to pay it off next week, he told me. After my questioning, he hung up the phone aggressively. 

I'm very VERY upset and disgusted with how Navient is run. Nearly all college graduates I know have been screwed over by them in one way or another.
Product: Mortgage

XXXX is engaging in deceptive practices to stop their customers from removing PMI from their mortgages. I have well over 22 % equity in my house and they are forcing me to pay for a Broker Priced Opinion to remove the PMI. 

I was sent a letter in the mail stating that I need to fill out the form, which they did not put in the envelope or call their customer care team. I called the customer care team to pay for the XXXX ( {$150.00} ) and the customer care team member tried to tell me that I can't pay for it over the phone. I read the person the letter that tells me to call them to process the payment and eventually she did. 

This is my second attempt at having PMI removed from my mortgage by this company and they are using every shady practice they can think of to stop me and others like me from getting the PMI removed.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on A

utopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1

637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports