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

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Upstart Network , Inc is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Upstart Network , Inc the financial institution and the Consumer reporting agencies XXXX, TransUnion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TransUnion, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. XXXX5 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Upstart Network , Inc never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TransUnion, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

This is multi-layered problem beginning in XXXX of 2020 when I was attempting to refinance my mortgage with the same company that held my mortgage ( Nationstar/Mr. Cooper ). First, the person I was working with was not giving me accurate information and subsequently was removed from the process and I had to start over with a new person. Ultimately, the refinance did occur in XXXX, 2020 and I was satisfied with the new terms of my mortgage. However, within two months, I noticed some irregularities with my account and reconciliations. This started with notification that my escrow was short and that I needed to increase my monthly payment to account for the shortage or pay the shortage and keep my payment the same. I reached out to Mr. Cooper and started working with XXXX XXXX. XXXX looked at the account and saw two issues. First, Mr. Cooper charged me an additional " rate lock '' fee, which she paid back to me. She also noted that Mr. Cooper paid my property taxes twice, causing the apparent escrow shortfall. XXXX addressed the issue and credited by escrow with some funds and my monthly payment remained the same. 
However, I received a letter from Mr. Cooper, dated XX/XX/2020 stating that my escrow account was short and that I would need to pay more to make it whole. I also noted that when I check my account history on line after my XXXX payment there were quite a few additional entries. Bottom line for me was that my " remaining balance '' amount after my XXXX payment and my " remaining balance '' after my XXXX payment were exactly the same, meaning none of my payment went towards paying down the principal. I also found it frustrating that my escrow account could be short of funds less than two or three months in to the mortgage. If that was true, wouldn't that reflect on Mr. Cooper 's inability to properly calculate my escrow? However, when I compared to the amount I was paying for escrow to that amount with the refinance, the numbers were very similar as I expected. 
I was advised to reach out to you as this have been a series of mistakes and miscalculations ever since last XXXX. While XXXX has been very responsive, the others involved have caused me a great deal of anxiety that I should not have to experience to get proper servicing of my mortgage, particularly from the same company that was servicing my mortgage before, I am not new to them, nor are they new to me. I sent them a picture of the letter I referenced and a screen shot from my computer of the " history '' showing no credit for my XXXX payment. I can send the same to you if you want to see them. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give you XXXX, XXXX, or Experian permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you i
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to verify this account with the original signed contract with my signature date and name. They have not verified so it has to be deleted immediately by law. 

Account name XXXX XXXX XXXX Account number XXXX
Product: Credit card or prepaid card

In XXXX of 2020, I purchased a XXXX AntiOxidizer ( Enagic XXXX THE MIGHTY XXXX ANTIOXIDIZER ) system from XXXX XXXX, paying a total of {$5400.00}. The machine was purchased due to XXXX XXXX representation that the product would produce Hydrogen-rich water. I was also interested in obtaining water that would be sufficiently alkaline to emulsify oils. I was told to give the machine a few months in order to see results ; however, when I was able to test it, I used the XXXX Hydrogen Test Reagent ( these are the industry standard drops for testing the levels of hydrogen in the water ) to test the hydrogen levels in the water. Although the XXXX XXXX XXXX states that XXXX PPM is essential for optimal hydrogen absorption, the test of water produced by the XXXX machine revealed a Hydrogen level of only XXXX PPM. I also performed an alkalinity test which revealed only a XXXX. On or about early XXXX late XXXX of 2020, I contacted Enagic via online chat in an effort to resolve the matter. The representative with whom I chatted did not deny that the product did not produce the highly alkaline, hydrogen-rich water promised but merely said that XXXX would not take back the machine because its use provides other health benefits, refusing to take back the machine and associated supplies. Afterward, I contacted the credit card company and filed a dispute because the product I received was not that which was promised and was unable to resolve the matter with the seller despite good faith efforts to do so. Even with the current state of the pandemic, I acted in a timely manner at every step : in testing the water, in contacting XXXX to resolve the matter, and finally in filing a dispute with the credit card company. The credit card company simply wrote me back and stated that I missed the timeline for a dispute. I explained to them that this was not a matter concerning time but not receiving the goods promised by XXXX. The credit card company is still taking money out of my account and has no plan to protect their consumers from merchants conduct that falls under a violation of the Texas Deceptive Trade Practices Consumer Protection Act ( XXXX et seq. of the Texas XXXX and XXXX XXXX XXXX because you exercised false, misleading, or deceptive acts or practices in the conduct of trade or commerce by : XXXX. Representing those goods that have characteristics, uses, benefits, or quantities which they do not have ; XXXX. XXXX. Advertising goods with intent not to sell them as advertised ; and/or XXXX. XXXX. Failing to disclose information concerning goods that were known at the time of the transaction if such failure to disclose such information was intended to induce the consumer into a transaction into which the consumer would not have entered had the information been disclosed.
Product: Debt collection

Caci has been calling me, sent me a bill, and also put a collection on my credit report. All of this after I told them on the phone the debt was paid in full to the original creditor. I also called the original creditor to verify again this was paid in full. I was told yes and that they had already told Caci this was paid and to stop collection. Caci has not stopped and has put a collection on my credit. When I called Caci and spoke to XXXX, no one could tell me why it was put on my credit. And I would get an email in 3 days saying it was paid. I still do not understand why this put on my credit when it was paid in full.
Product: Mortgage

In XX/XX/XXXX we applied for a mortgage using our mortgage broker - XXXX XXXX through Capital Mortgage of Texas- NMLS # XXXX. Our mortgage broker and I supplied all requested documents and was approved for a loan. We had multiple extensions due there request for updated information from the HOA ( purchasing a condo ). Yesterday Capital Mortgage informed our broker that the loan was denied. The reason was that the HOA budget for XXXX and XXXX were in different fonts and the XXXX budget had over a million dollars added to it with no explanation. Our broker told them they would provide supporting information regarding the HOA funds, and explained the money was from an insurance settlement from the XXXX Hurricane. Capital refused to accept this and stated the loan was denied.

Capital Mortgage had the documentation for several months. They have now cost me over {$10000.00} in unexpected rent and fees to move forward with loan ( application fee, appraisal, inspections, credit report, etc ). I believe this predatory practices.
Product: Mortgage

I need assistance getting a foreclosure sale that is scheduled on XXXX/XXXX/15 postponed. I am behind in my mortgage payments and have reached out to my mortgage company for help. They told me to send in all the application paperwork so I can be considered for a loan modification which I have already sent in. Now they are telling me it is too close to the sale date to do anything, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Equifax for 2 years trying to have inquiries removed from my credit report. I have sent in requested documents ( Police report ) in to the company over a number of Six times. I constantly call in and I am told it will be removed in it will take up to 30 days to had it done. Times goes by and I reach out to them and I am out through the exact tactics again and again. I have a right to have items that dont belong to me removed from my report. They will not Apply with my request. I am starting to think this a XXXX issue. And I will not stop until this completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$230.00} ; XXXX XXXX XXXX XXXX XX/XX/2020.
Product: Mortgage

I have tried over and over to get cascade financial to take my name off of the house that got awarded to my ex spouse XXXX XXXX XXXX during the divorce and they wont do it. I have not lived there for 3 years and Im trying to build my credit to build a new house with my current husband.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXX XXXX with a balance of {$4100.00} XXXX XXXX with a balance of {$0.00} XXXX with a balance of XXXX XXXX XXXX with a balance of {$720.00} XXXX XXXX XXXX with a balance of {$720.00} XXXXXXXX XXXX XXXXXXXX with a balance of {$150.00} XXXXXXXX XXXX with a balance of {$860.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX 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: Credit reporting or other personal consumer reports

I received emails from XXXX credit monitoring companies that Barclays Bank pulled a hard inquiry on my credit today, XXXX. I called 3 times and each time they transferred me to a " specialist '' but noone ever came on the line. I held on for as long as 15 minutes. I did not apply for any of their products or services for them to pull my credit.
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 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: Money transfer, virtual currency, or money service

I have an account with Discover card. Over a year ago, I deposited {$1000.00} into a secured card. Last XXXX, I was told that I would get my deposit back. It's XX/XX/XXXX and still no deposit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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! 


Delete the late payments from my consumer reports
Product: Debt collection

I requested XXXX, XXXX, and XXXX to validate the XXXX XXXX account. They failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX  XXXX have violated my rights XXXX 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - CBNA - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these inquires below be removed immediately.
Product: Student loan

I requested MOHELA process my IDR application. The application was submitted on XXXX XXXX XXXXXX/XX/XXXX. I spoke with someone and sent a followup message on Thursday, XX/XX/XXXX. The representative said the IDR application had been received, but provided no timeline for processing the application. She said they were behind and " doing our best, '' but I want this application to be processed immediately and I haven't been put int he IDR application administrative forbearance while they process the application which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX from Equifax on XX/XX/2022. I was provided with a reference number XXXX and instructions regarding the deletion of fraudulent accounts on my consumer credit report. I followed the instruction and I have yet to get what I was promised. These fraudulent accounts remain on my report along with the XXXX XXXX late pays that was also demanded to be removed on that phone call that is also being reported inaccurately. 

Equifax is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly ( 60 ) days past due on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.