23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

With regards to dealing with XXXX XXXX, Branch Manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX, regarding a VA loan, I ran into multiple issues, specifically regarding VA loan procedure and paperwork. For example on my loan estimate received the evening of Thursday, XX/XX/XXXX, was completely incorrect ( attached-corrected copy also attached ), most notably, XXXX had included a {$12000.00} charge for a VA funding fee, which I am exempt from due to my XXXX. Although XXXX had not yet received an official certification of my exemption from the VA, I did submit to XXXX XXXX XXXX, my official VA Benefit letter , as well as disclose my VA XXXX income. Additionally, XXXX included in my loan disclosure package, a Verification of VA XXXX form, Request for Certificate of Eligibility form, and Request for Certificate of Veteran Staus form, all of which were filled out incorrectly and I was locked out of making any changes to them in the electronic signing packet ( attached ). I brought this to XXXX 's attention, in writing via email on Monday, XX/XX/XXXX, and I have never received a response back from XXXX. The reason why this was so important to take care of Monday, was because Monday was the day I was contractually obligated to send the builder a conditional letter of approval by any lender I was looking to utilize, besides the builder 's preferred lender. 

Although XXXX sent a revised Loan estimate document ( attached ), he never unlocked the VA forms for me to fill out/complete/correct. 

The last time I spoke to XXXX was on Friday, XX/XX/XXXX. That conversation did turn heated, because I called him out on this erroneous paperwork. He then called my realtor, and she stated that he said he did not feel that he could compete with the builder 's preferred lender. This is not up to XXXX or any lender to decide. It is up to me to decide, and if he felt this way, then he should have had that conversation with me, not my realtor. 

XXXX claims to be a VA loan specialist, but a majority of the errors contained in the loan disclosure packet, had to do with VA paperwork and/or the VA funding fee. My concern being that other Veterans who are maybe on their first mortgage, may not pick up on these errors, or know that they are exempt from the VA funding fee, and is this lender praying on them, or taking advantage of their lack of knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. Im in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its fraud
Product: Credit reporting or other personal consumer reports

I had made my credit card payments on time and XX/XX/XXXXreported late when i didnt make late payments at all. I disputed it with them and they still didnt remove it after i spoke to my credit cards landers.
Product: Credit reporting or other personal consumer reports

XXXX credit reporting agency failed to do a proper investigation after I formed them of XXXX harassment from a lending agency XXXX XXXX located XXXX XXXX XXXX, XXXX, SC XXXX I reported to the CFPB of this company for what I see Consumer, financial protection bureau yall dont take complaints seriously when it comes to these XXXX organizations and their discriminatory practices I was discriminated against consumer, financial protection bureau continue on, allowing this XXXX XXXX to continue on operating business. As usual numerous complaints to XXXX. They failed to remove this. XXXX XXXX XXXXXXXX from my credit report. it doesnt matter to Consumer, financial protection, bureau or XXXX because XXXX XXXX I see that yall figure XXXX supposed to have bad credit while yall forcing me to do business with a company that show XXXX harassment towards me when applying for a loan. XXXX points have been removed from my credit score because this XXXX XXXX XXXX XXXX people at XXXX XXXX  along with XXXX, credit reporting agency, and the Consumer, financial bureau im feeling totally disrespected by all of you I want all of you to feel bad for. What cfpb along with that XXXX XXXX company, XXXX XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX its not a joke that XXXX harassment happened to me. I dont care if I got to make XXXX complaints. Every time they notify the credit bureau XXXX forcing me to deal with some XXXX people who care nothing about XXXX people XXXX along with XXXX XXXX. They started this they shouldnt have never told me to come down there and disrespected me Consumer, financial protection bureau you took no action. now the way to get back at me. XXXX XXXX  now using the credit bureau owe them nothing they dont have sense enough to apologize after that XXXX act they committed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report when house shopping and realized there are items that do not belong to me. My information is not correct and appears to be somebody else 's as I have never had any associations with addresses and names showing on my report. have accounts on it associated with another person that seems to be fraud.
Product: Vehicle loan or lease

A refund check in the amount of {$410.00} was forwarded from the dealership was to the lender ( Thunderroad Financial LLC ) which they posted on XX/XX/20 as future payments. They then debited my checking account for the monthly scheduled amount of {$170.00} on XX/XX/20. The following month, I noticed my checking account was NOT debited on XX/XX/20 so I called them ( on XX/XX/20 ) to inquire as to why, which is when I learned that the refund check had been posted as future payments, rather than as a principal reduction. I asked if they could re-apply the amounts as a principal reduction. The representative XXXX, said she would have to ask their contract accounting department if they could do so. On XX/XX/20 XXXX called me back to inform that they could not reapply the transaction without causing my account to become delinquent. I asked if they could just re-apply the portion that is now posted as future payments made, and she said they could not. I advised this was not proper and it was causing me to accrue more interest over the term of the loan than I should be paying. 

I should also note that I only became aware of this because I reviewed my checking account online and noticed the automatic ACH draft was not made. Thunderroad Financial LLC does not provide any online account access to customers, nor does it include transaction information in the monthly statements it provides, which make it impossible to know the exact dates and amounts of transactions posted to the loan without making a telephone inquiry.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX ( Child Support ) opened on XX/XX/XXXX ; XXXX XXXX  ( Credit Card ) opened on XX/XX/XXXX ; XXXX ( Credit Card ) opened on XX/XX/XXXX ; XXXX XXXX XXXX ( Collection Account ) opened on XX/XX/XXXX ; XXXX XXXX XXXX ( Collection Account ) opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX . I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TWO INSURANCE ACCOUNTS " XXXX XXXX XXXX '' AND " XXXX XXXX '' WERE OPENED IN MY NAME LAST YEAR AND HAVE SOLD DEBT TO " CREDIT COLLECTIONSS SERV. '' I AM DECLARING THIS IDENTITY THEFT AND FRAUD PLEASE INVESTIGATE I HAVE ALREADY SUBMITTED POLICE REPORT. THANK YOU
Product: Debt collection

Recieved letter on XXXX from I.C. Systems Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX # XXXX https : //www.icsystem.com/consumer Letter claims they are a debt collection co.pany attempting to collect debt from XXXX XXXX for a past due amount of {$1100.00} plus fees {$110.00} for total of {$1200.00}. It references acct # XXXX and I.C. System reference No. XXXX It states to call or write to them or dispute electronically to their website by XX/XX/23. 

***WE HAVE NEVER USED XXXX XXXX THEREFORE I IMMEDIATELY ASSUMED THIS WAS A SCAM AND LOOKED UP XXXX XXXX CUSTOMER SERVICE TO ENSURE THIS ACCOUNT NUMBER BEING REFERENCED WAS NOT AN ISSUE OF POSSIBLE IDENTITY THEFT. XXXX VERIFIED THIS ACCOUNT DID NOT EXIST & THAT THERE WAS NO REFERENCE OF MY PERSONAL INFORMATION ASSOCIATED WITH ANY ACCOUNT. THEY INFORMED ME THIS WAS A SCAM & TO DISREGARD THIS LETTER & REPORT IT. 

Based on XXXX customer service response and knowing we have never utilized XXXX services & have no debt, I did not want to attempt dialing or using the contact Information and web links for this alleged collection agency. I felt more secure by rather opting to report to the FTC which directed me to the CFPB directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is still an account being posted on my credit report, that effects my score. The Sallie Mae closed account is listed 7 times as individual accounts and is still listed well beyond 10yrs. The account is from 2007, again listed 7 times as individual accounts. Showing I have 7 closed accounts. I have asked the old accounts to be removed, which included in the past other accounts. The other accounts were removed, yet there are still 7 of the same account listed. This is wrong and needs to be fixed properly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). According to this statute, my consumer report should not include information solely related to transactions or experiences between myself ( the consumer ) and your company ( the person making the report ). 

My concern pertains to the payment history and the late payments listed on my consumer report. These entries negatively impact my credit score and are considered part of the transactions and experiences between your company and me. As such, they should not be included in my consumer report. 

Furthermore, I request that you provide me with a written explanation of the reasonable procedures you have adopted to ensure compliance with 15 USC 1666 ( b ). This statute requires that each periodic statement be mailed to the consumer no later than 21 days before the payment due date. Additionally, please include all the information mandated by Section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information I am requesting. If you do not provide this information within the allotted time, it will be assumed that you can not verify the late payments on the dates specified above and lack reasonable procedures to ensure the accuracy of my account. Consequently, I will request that you remove the late payments from my account and consumer report with the following consumer reporting agencies : XXXX, XXXX, and TransUnion ( or all that apply ), and update the account to positive ( paid as agreed ). The account in question is : XXXX  XXXX : XXXX Please forward any changes to my account to the address below. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

Unable to withdraw my own funds at Bank of America ATM. I have tried on four different occasions and every time the ATM says " temporarily out of funds. '' I contacted BofA and was told my options are to go to a business and use my debit card, and request money back, or to use another ATM machine for which I would be charged. I told BofA that my friend uses XXXX ATM and has never had a problem getting money. BofA told me that they do not know anything about XXXX. I told BofA that maybe they should check with XXXX and find out how they handle their ATM 's. I have plenty of funds to withdraw and now I do not have access to my own money. The last time I tried was today, XX/XX/2020 ; the ATM will take a deposit but will not issue cash. My husband and I are high risk ; he is XXXX and I am a XXXX. Both of us are seniors.
Product: Mortgage

I had already submitted a complaint with XXXX XXXX. In response to the first complaint, I received a letter from Bank of Texas ( see attached ), that the 30 day late reporting on the mortgage, had already been corrected. The letter was dated the XXXX of XXXX On the XXXX of XXXX, I had my mortgage company pull a new credit report, however the XXXX day late reporting in XXXX of XXXX is still reporting. 

So I went to an actual Bank of Texas branch here in XXXX XXXX with my realtor. The branch manager said she could n't help us and that I needed to call the number on the letter. My realtor asked her if she  could just show some sympathy and help us with the situation, it would be greatly appreciated. The branch manager responded with sarcasm that she could n't help XXXX while rolling her eyes XXXX. So we left and on the way out, were stopped by Security, who in turn informed us that we were banned and no longer welcome on the premises. We were shocked. We did call the number once we left, but it stated that the number was incorrect. When you call XXXX ( which is the number on the bottom of the letter from Bank of Texas, see attached, it gives a message that - the number has been disconnected ) So we have no idea where to go from here? The local branch is refusing to help us and has banned us from ever going there again and the only number we were given from XXXX XXXX, XXXX XXXX on the letter ) is disconnected. 

This is the only thing that stands between me and buying a home. My husband is 100 % XXXX Veteran and our current living conditions are not sustainable for his long term needs, so we are desperate to get into a home. 

We are only asking for Bank of Texas to right a wrong. The 30 day late should never have been reported, and I just feel that Bank of Texas is not really being responsive or actually correcting what they stated in the letter was already been corrected. 

Please Help!
Product: Mortgage

Pentagon Federal Credit Union sent me an erroneous notice about needing flood insurance on property. Ive had a HELOC with this lender for over 5 years and was never required to get flood insurance as the property was built above a 100-year flood plain. I called the lender and after a few transfers and absence of answers for the notification, I was told to disregard it. Fast forwarding it to day, i just saw my mortgage payment erroneously reflects an increase in monthly payment by {$2000.00} ( assessed charge for flood insurance ). This puts me at a potential of not making the new erroneous payment. This is a diceitful and erroneous practice of the lender. Asking for investigation, identification of root cause, and corrective/preventive action that insures other customers are not affected by these practices.
Product: Credit reporting or other personal consumer reports

I have experienced a case of an Identity Theft - my Experian account was stolen and I can not regain access to the account due to the discriminatory processes set up by Experian. 

XXXX. My account was stolen on XX/XX/2023. Somebody created an account with Experian, updated my mailing address, Email and phone connected to my SSN. They attempted to open a credit card with XXXX. 
XXXX. I was able to track this activity, notified the credit bureaus, filed the report with FTC, contacted XXXX to stop the issue of the credit card. Regained access to my accounts with XXXX and XXXX. 
XXXX. Since then, I wasn't able to regain access to Experian account : a. The people who updated my personal information have changed the security questions and contact information- Experian continues to send password information to those fake Email address and the phone number. 
b. Experian is asking some additional questions about the credit history and it seems like I don't get some of them correctly, since those might have been modified by the thieves since the questions rely on some address history, people who lived at the address, and the phone number - I can't know what information they put into my account. 
c. Finally, Experian leaves an option to send them my utility bills from my address to confirm my identity ( along with other documents ), however, I can't do that since I didn't pay for my utilities ( those were paid by the landlord ). 
All of that leaves me out of options and with no way to reclaim my Experian account. I have spent at least XXXX hours on the phone with their customer support and they haven't been helpful. This is frustrating and I haven't had such issues with other credit bureaus.
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
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've written numerous letters to TransUnion regarding inaccurate/negative items reporting on my credit since XXXX of 2021. Since then, they have continued to ignore my request to remove these inaccuracies from my credit profile. XXXX and XXXX have since deleted these inaccuracies, but TransUnion continues to ignore my request to have false information removed.
Product: Credit reporting or other personal consumer reports

I did 2 payments in XXXX {$1000.00} on XX/XX/2024 and {$4100.00} on XX/XX/2024. 
These 2 payments paid the account off in full. However, Upgrade never reported the pay off. I disputed the account thru all 3 Credit Bureaus but Upgrade keeps verifying the balance owed of {$5100.00} and not reflecting the last to payments. I have traded 6 emails with them since XX/XX/2024 of which they claim they have reported and allow 10days to reflect.

However, They still have not corrected and I just disputed again and they verified again on XXXX have attached responses from XXXX and XXXX from XX/XX/2024 showing Upgrade is still verifying incorrectly and not even reporting the last 2 payments accurately.

I have also attached a screenshot of the email XX/XX/2024 stating they have corrected but as you can see from the responses from XXXX and XXXX they never did. I have also disputed thru XXXX and they verified as well.

I am hoping filing this complaint will get this issue corrected.
Product: Debt collection

Hunter Warfield & original creditor XXXX XXXX continue to falsely add a debt to my credit report. I have told them several times this is not my debt. The social security number and address on their orignal documents do not match any of my personal information. The only thing that matches is my name. I told them this is not my debt and they refuse to remove. I even disputed several times with XXXX. they lied to XXXX and said they had the correct social and address which they do not. When I call to talk to them they are rude and use foul languages.
Product: Debt collection

I previously notified CFAM Financial Services on several occasions between XX/XX/XXXX and XX/XX/XXXX, that I am a victim of identity theft, and requested that the following be done : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account with the financial company XXXX XXXX which CFAM purchased the debt from. I did not open or authorize this account, and I requested that it be closed immediately. As of today XX/XX/XXXX, Ive gotten no response from CFAM Financial ....
Product: Debt or credit management

This complaint is being filed against XXXX XXXX XXXX Wells Fargo to whom has been calling and harassing me with false stories about not receiving the necessary Mortgage Assistance Documents in which as youll see the attachments they were sent to Wells Fargo. XXXX XXXX and Wells Fargo are vindictive losers because I got an approval for a XXXX XXXXXXXX to help cover the mortgage past due amount in what would bring me great relief. Instead this XXXX XXXX XXXX lies by claiming that shes in the Executive Office. However she just one of many customer service representatives that works in a small cubicle. Sadly from the days of slavery until the present Wells Fargo is still a XXXX company that hates and despises XXXX.