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

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I have also attached [ XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX  - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, {$100.00}, XXXX XXXX NC XXXX is reporting to Equifax inaccurate. Consumer law 15 U.S code 1692f Unfair practicies A debt collector MAY NOT use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a VIOLATION of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. A CHARGE OFF ACCOUNT SHOULD REPORT A BALANCE
Product: Credit reporting or other personal consumer reports

I sold my company XXXX in XXXX of 2021 and as part of the sale of the company the acquiring company moved 2 credit cards into their ownership, notified XXXX XXXX and XXXX XXXX. The acquiring company had a problem with payment on both accounts and effected my personal credit after the accounts were moved. Both XXXX XXXX and XXXX XXXX both are still showing on my personal credit report when these are not owned by me. 

I am constantly sending disputes in with supporting documentation to the credit bureaus along with XXXX XXXXXXXX and XXXX XXXX. I've attached the documents pertaining to the sale of my company. 

I've even gone as far as sending emails to supervisors and executives, including the CEO of XXXX XXXX and XXXX XXXX! 

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

I, XXXX of the family XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX Account number : XXXX. Account name : XXXX XXXX XXXX XXXX Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a hard inquiry was placed on my XX/XX/XXXX credit report. I called XX/XX/XXXX and placed a fraud alert. I called BB & T and spoke to a consumer rep who was unable to help me. They transferred me to another line. They were also not able to help. I did not make this inquiry.
Product: Student loan

I Refinanced my Discover Student Loan. My new lender XXXX XXXX   issued five ( 5 ) checks to cover the five ( 5 ) loans. One check was for {$13000.00}. and Discover Student Loans only posted {$10000.00} to my loans. ( difference {$3200.00} ) Discover is unable to tell me where remaining money was posted to. 
They keep telling me the check was {$10000.00} ( which is amount they posted ) However, we have original copy of check and the amount was {XXXX}, XXXX. We have uploaded a copy of this check to Discover to prove the amount of check. 
I have called three ( 3 ) times to get this resolved. I was assured that this was being sent back to be reviewed and would be resolved in 3-5 business days. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
They all assured me that they are sending this back for review and should only take 3-5 business days. Still not resolved. 
Today I received email from them to inform me what the current payment on balance would be. Plus they added interest charges on this {$3200.00}. 
The five ( 5 ) checks that XXXX XXXX issued to them were all cashed by Discover in full.
Product: Bank account or service

To whom it may concern ; This is now my XXXX attempt to get resolution to my multiple concerns. I have already filed ( XXXX ) CFPB complaints ; Case # 's : ( XXXX & XXXX ). First and foremost, whomever is to receive this complaint please read the previous complaints so that you will have a good grasp s to what has been going on these past two weeks. 

I have been dealing XXXX XXXX XXXX at NFCU throughout last week. The last time we spoke was on Friday, XXXX XXXX, XXXX. At that time, he had agreed to at the very least have my 30 day late removed from the credit bureau 's and to find a way to stop additional reporting on the XXXX account in question until the investigation of my complaints have been completed. I told him that I was willing and able to come in to a branch a pay my minimum payments of {$330.00} x XXXX ( XXXX, XXXX XXXX & XXXX XXXX ) to total {$1000.00}. I came up with this amount per the Declarations page line # XXXX. In return, he was supposed to get the authority to have the 30 day late removed and to stop further reporting. XXXX XXXX told me that he had a meeting this past Friday at XXXX EST and that he would be getting back with me after this meeting. I have yet to hear from him concerning the status of everything that has been discussed. 

Furthermore, as of this past Friday, XXXX XXXX, XXXX I called and spoke with XXXX Fraud department to let them know of what was going on with NFCU and that I wanted to dispute my not being late and the effective balance and monthly payment that was reporting to XXXX as inaccurate and additionally based on unauthorized transactions. XXXX at that point filed a dispute on my behalf under the Fair Credit Billing Act which in turn is supposed to immediately stop reporting all data attached to this trade line until NFCU has had an opportunity to investigate further. 

XXXX XXXX is also under the impression that NFCU has up to 60 days to respond to my CFPB concerns, which is false under the circumstances I have brought forward to NFCU. At this juncture, I simply can not understand why I have been dealing with this for the amount of time I have with NFCU and yet there is still no resolution and not even remotely any consistent conversations with me as a customer. I continue to be told that I will be called back with a " status '' but this has yet to happen. 

Unfortunately, today is now XXXX XXXX that is reporting my being late with this account and is the last day that we can move forward without irrevocable harm to my credit. How much effort should a customer have to bestow to the creditor in order to pay a debt that is deemed the ethical and more importantly legal amount owed on a monthly basis? 

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

In my last communication to Equifax Credit Reporting Agency, I  submitted an identity theft letter detailing the items that were fraudulent on my personal credit report. 

In response to my identity theft letter, Equifax advised that I attempt to reach out to the creditors to further dispute and resolve the items that were fraudulently listed on my personal credit profile. I have since done so with no resolve. 

I am now supplying Equifax with the initial letter that I submitted listing the items that were a result of identity theft on my behalf, along with a valid photo ID, a current bill, and a copy of the police report which details the items that were a result of identity theft so that they have documentation referencing the actual identity theft that has resulted in multiple inaccuracies being listed on my personal credit report. 

I have spent countless hours and lots of money sending certified documents to the credit reporting agency in an attempt to get the issue resolved and to prevent further delay in processing my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to exercise my right to question the validity of the debt your agency claims I owe, according to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer required to remove inaccurate derogatory information from a consumers file that can not be verified. I would like to see a complete list of all documents and correspondence in regards to the below accounts. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX  XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. Thank you for your prompt attention to this matter.
Product: Debt collection

I received {$1100.00} reimbursement check from XXXX XXXX XXXX sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. 

According to the XXXX XXXX XXXX, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. 

I don't care how you spent it. You took my money. You have to return it in full. Period. 

We are not done here. 

Give me back my money, now.
Product: Credit reporting

Over the course of almost one year I have disputed an incorrect address that Equifax has on my personal credit report. Equifax will investigate the incorrect address, send me a letter stating the results of their investigation which states that the address has been removed and then reinsert the address a few weeks later. They have done this multiple times ( see attached documents directly from Equifax ). They have also NEVER sent me notification that the incorrect address has been reinserted into my credit file. 

I have repeatedly sent Equifax copies of their results letters indicating that the incorrect and disputed address have been deleted. I have sent letters asking them to follow the FCRA, specifically section 611 which talks about reinsertion of previously deleted information. 

Enclosures Copy of FCRA 611 Copy of Investigation Results Letter dated XXXX XXXX, XXXX Copy of Investigation Results Letter dated XXXX XXXX, XXXX
Product: Credit card or prepaid card

USAA suggested I consolidate two credit cards through a non-profit organization, XXXX. An XXXX and VISA. They were approved for consolidation on XX/XX/2019 through XXXX. Three payments have been made by XXXX to USAA on my behalf. USAA charged me two months of high interest and fees before updating the XXXX to the agreed upon 3 % APR. The VISA is still at a high percentage and USAA tells me its in pending. It's almost 4 months now and USAA sends me to different departments when I call without resolving the issue. I'm just a XXXX veteran who's trying to pay off debts without having to go bankrupt. I believe that USAA is prolonging the process to greedily over charge me. It's not a lot of money to a big bank like them but its sure a lot of money to a lower waged veteran like myself. While I budget every dollar to make sure my family can eat school lunch, USAA piles on fees and interest than claims they care about our service members and veterans. Been with USAA for years. With this situation USAA has promised fair services to a XXXX veteran but didn't hold up there end of the bargain.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 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: Mortgage

I have a loan currently held by XXXX, who purchased the Loan from Norcom. My mortgage has never been late and is consistently paid three months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from Norcom taking it over XX/XX/XXXX. XX/XX/XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with Norcom. I contacted Norcom and Norcom stated that they were not responsible because they had the loan serviced by XXXX for a short time, approximately a year. I am currently awaiting a response from XXXX. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying 3 months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. XXXX, Norcom and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors.
Product: Debt collection

Subject : Final Demand for Debt Validation & Immediate Deletion FCRA & IRS Compliance Dear Credit Control LLC, This letter serves as a final demand for the immediate removal of the inaccurate charge-off reported on my credit report regarding account on my credit report. You are unlawfully reporting this account while failing to provide proper validation and required tax documentation. This misrepresentation constitutes violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and potential tax fraud under IRS regulations. 

Violations of Federal Law Identified : FCRA & FDCPA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate or unverifiable information to credit bureaus.

15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) Requires correction or deletion of disputed inaccuracies.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates the removal of unverifiable or inaccurate data.

15 U.S.C. 1692g Requires a debt collector to provide proper validation before continuing collection efforts.

IRS & Tax Fraud Violations : 26 U.S.C. 6050P Requires financial institutions to issue a 1099-C Cancellation of Debt for discharged debts over {$600.00}.

26 U.S.C. 7206 ( 1 ) Knowingly misrepresenting financial information is a criminal offense.

18 U.S.C. 1001 Criminalizes falsifying or concealing material facts in financial and tax reporting.

Immediate Action Required Deadline : 5 Business Days XXXX. Delete this inaccurate charge-off from all credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 
XXXX. Provide written confirmation within XXXX business days verifying removal of this account from my credit report. 
3. Supply all requested documentation, including : A copy of the original signed contract proving I agreed to this debt.

The purchase agreement or assignment contract between you and the original creditor.

A copy of the 1099-C filed with the IRS ( if this debt was written off or forgiven ). 

Final Warning Legal & Regulatory Actions Failure to comply within 5 business days will result in the following actions : Formal complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

A Form 3949-A complaint will be submitted to the IRS for fraudulent financial reporting and tax violations. 
I will pursue legal action for violations of the FCRA, FDCPA, and IRS regulations, seeking statutory damages, actual damages, and attorneys fees. 

This is your final opportunity to correct this issue before further regulatory and legal consequences follow. I expect immediate corrective action and a written response within 5 business days. 

Sincerely XXXX XXXX XXXX
Product: Mortgage

In XXXX of 2022, I worked with my mortgage provider ( Suntrust now Truist ) to exit forbearance and begin a loan modification plan where my monthly payment would be reduced and the length of the loan would be extended. This modification plan required me to make 3 months of trial payments which I successfully completed on XX/XX/2022. After not hearing back from Truist, I called them on XX/XX/2022 to find the current status and they said that because I did not also make my normal monthly mortgage payment in addition to the trial payments, I now no longer qualify for the loan modification and need to restart the process of getting a loan deferral. Truist has been extremely difficult to work with during this whole process with a lack of communication and clarity on what I needed to do in order to bring my loan back to current. Every time I talk to their customer service team, I'm told different kinds of information regarding what I need to do and every time it requires me to spend hours of my time on the phone. Truist also will not allow me to make payment online and instead forces me to call them each time I want to make a monthly payment. Truist has been deceptive and undermined every step of this whole process
Product: Payday loan, title loan, or personal loan

The name of the company is the XXXX XXXX clerk of court in South Carolina. Requiring too many purchases in bearer bonds, cause a scheme. A criminal or respondent feels obligated to pay every time due to legal consequences. Please be very careful to stay away from this company. 

Please investigate this behavior immediately.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
Product: Checking or savings account

My checking account with US Bank somehow ended up XXXX. In the middle XXXX I received my XXXX  XXXX and loan money. Because of this I knew that I had plenty of money in the bank so I was not looking at my app often. Also I signed up for text alerts for suspicious transactions or anything over XXXX $ yet I never received any texts for anything. On XX/XX/XXXX I went to atm to pull out some cash and deposit a check. I was denied pulling out cash so I looked at the balance page and was struck with the XXXX. 

So I immediately called the bank customer service number and as I talked to the lady I began to look through my statements. There was I counted XXXX cash app transactions that were not me. The transactions started XXXX and went through to XX/XX/XXXX. Most of these transactions happened multiple in a day like XXXX $ XXXX XXXX XXXX etc. Mostly none of these transactions were done one in a day. The total of all XXXX transactions is like XXXX $ I have used XXXX XXXX rarely looking back through the months shows that I didn't use cash up only a few times since I opened the account. 

I opened a fraud claim with US Bank and they gave me XXXX credit for XXXX XXXX $ transaction and now they have closed my account. I was told that the transactions match my location and use patterns. This is ridiculous if I needed XXXX $ on XXXX XXXX i would do one transaction for XXXX $ not XXXX different in a day totaling XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested that Experian to delete this inaccurate address from my records, but they consistently offer the same reasoning, which is no longer acceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023
Product: Mortgage

I had a loan with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . They have gone bankrupt and my loan has changed hands either because of their bankruptcy or us refinancing somewhere else.  XXXX   XXXX  is no longer in business but the  Lien  is still on my property. I would like to remove this from my deed/title. Please help.    XXXX   XXXX  was  XXXX   XXXX  but have been divorced. If u need divorce papers or anything feel free to contact me.    XXXX   XXXX  Missouri  XXXX    XXXX   XXXX   XXXX   address was  XXXX   XXXX   XXXX   XXXX , CA  XXXX