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

This formal complaint is against TransUnion. I have disputed with TransUnion a few times regarding the inaccuracy of late payments being reported on my consumer credit report. Multiple dispute letters were mailed to TransUnion, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after TranUnion 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( Capital One or Global Lending Services ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.

TransUnion ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report.

In accordance with the Fair Credit Reporting Act, TransUnion has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose
Product: Mortgage

Were writing requesting your assistance in disputing fraud billing from Specialized Loan Servicing LLC for a property which is not owned by us as it has changed ownership under a court ordered Receivership on XX/XX/XXXX The property in question is XXXX XXXX XXXX located in XXXX, Massachusetts. This property was surrendered under Chapter XXXX bankruptcy on XX/XX/XXXX and since then, no payments were made on the previous outstanding mortgage. Please be informed that since XX/XX/XXXX through XX/XX/XXXX the mortgage on this property has been sold numerous times to different lending institutions. SLS claims that we still owe them {$150000.00} and refuse to acknowledge that the property was sold to XXXX XXXX on XX/XX/XXXX under a receivership sale approved by the Housing Court/Commonwealth of Massachusetts. As the property was surrendered under bankruptcy and subsequently was sold by the courts, SLS should cease all billing and correspondence to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 



Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 



If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages, and you can travel to defend yourself. 



I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General
Product: Mortgage

I make my payments online on myloancare.com, the loan terms require no late fees to be charged until XXXX of the month. Until last month ( XX/XX/2020 ), there was no late fees charged when I made payment online before the XXXX of the month. This month ( XX/XX/2020 ), today when I tried to make a payment ( XX/XX/2020 ), the servicer is charging XXXX $ more to make the payment, and added terms on the following terms 0-5 days - no charge 6-9 days - XXXX $ 10-15 days - XXXX $ charge. 

LoanCare XXXX. XXXX XXXX XXXX, PA XXXX XXXX
Product: Mortgage

I have a VA Loan. They had a forbearance plan during Covid to help struggling Veterans. I was told that the VA would reduce the overall cost of my loan and allow me to miss payments for 12 months and put those payments at the back of my loan. I did not realize that the reduction was something that I had to pay back. I found out when my credit score went down with the reasoning being that I have a balloon payment that would be due in XXXX. I was devastated and it took a lot of digging before I got the VA to disclose to me where I could find out information about this balloon payment which also turned out to be a lean against my home. This information was not transparent, was not told to me verbally, and was slipped in amount a mountain of paperwork that I signed for the forbearance. The balloon payment was sold to BSI Financial Services ( Phone XXXX ). I contacted them and told them that I would like to start maying payments on this balloon payment because I would be XXXX when the ballon payment is due and if I am not alive at that time my inheritor would not be aware and would lose the home. Even if I am alive waiting until I'm XXXX would end in foreclose so I needed to be able to make payments which BSI did allow. I made an online account that shows my payments, but it does not show how much I owe or my balance when payments are made. They said they don't show account information for forbearance customers. I would like truth and lending in the form of my account information being visible, current, and accurate so that I can keep up with what I owe and have something tangible so that may inherited don't lose my home to foreclosure due to lack of tangible/visible account information.
Product: Debt collection

On or about XX/XX/2016 I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization, etc. ) on XX/XX/2016 I received a letter from creditor stating they could not locate my account. I have since then contacted the credit bureaus requesting the same information with no results. I am attaching the letter I received from the debt collector.
Product: Student loan

I submitted an application for Loan forgiveness through Federal Student aid loan or loan reduction due to a school that has been known to been falsely advertising themselves, in my case   XXXX   XXXX  ,   XXXX   XXXX  . I submitted complaint to both sides more than once with a follow up status if my application has been accepted or not, this has been since  XXXX .2016, I have all proof to show, I call numbers and send emails yet no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB CARD with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days LATE. There was an error on their part. I was never 30 days late.
Product: Debt collection

This company is calling a family member of mine XXXX on her cell XXXX and her home XXXX. She has only been in her home for XXXX years. They are skip tracing and calling her illegally asking for me. She is XXXX a XXXX and has health issues. She says they called her several times. She also told me they adviced her they would be calling my place of employment if I did not contact them immediately. She just told me about this on XX/XX/2016. The number they are calling her from is XXXX. I called them at XXXX pm on XX/XX/2016 a lady answered I asked her for the name of the company she stated Recovery Solutions I told her my name and adviced her to stop calling my cousins number who is XXXX. I provided her cell phone number to her and asked her to remove it. Than I asked her why they were calling on old debt more than XXXX She stated it was from a check company they were filing paperwork for a warrant which is false information to intimidate people. I asked for her name she hung up on me. I called the number back XXXX times she answer than hung up. I waited a few minutes called again a man answered I asked for his name XXXX XXXX. I asked for the ladies name I just spoke to and advised him she hung up on me. He put me on hold after XXXX minutes the call disconnected. I know he had trans me to her she hung up again. I want for me and my cousin to be compensated for every time they called her cell number and home number and harrassed her and for providing false threatening information used to intimidate. That lady needs to lose her job whoever she is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX with acct # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and is a defamation of my character.
Product: Credit reporting or other personal consumer reports

My report shows late payments that contradict my usual payment patterns. Please resolve these errors.
Product: Mortgage

When I sold my home located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX I was charged {$6700.00} in forbearance fees associated with a covid forbearance that was granted and I was never informed or consented to these fees that were charged at final sale of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

They claim that I have late payments with XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX.XXXX XXXX. I have disputed several times asking them to validate these non payment or late payments accounts and they have yet to do so. I've submitted letter, bank statement and copy of money order and certified mail showing proof that I never paid late. I also have confirmation from faxes and yet when I call the company and credit bureau, they saying that they have not received my disputed but my records show otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 3rd submission was supposed for remaining fraudulent inquiries only, but that only applied to my Experian and XXXX Credit Reports, as I see no removal whatsoever in my XXXX Credit Report, that I am a victim of identity theft and I write to the 3 Credit Bureaus to dispute the should be remaining inquiries in my file resulting from the crime. But the XXXX did not give attention to my Fraudulent Inquiry Removal Request. Again, the inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please remove these fraudulent inquiries, especially the inquiries still reporting in my XXXX credit report : EXPERIAN : 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

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : $ XXXXCharge-Off, XXXX XXXX Date Opened : XX/XX/2015 Balance : $ XXXX-Charge-Off, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$42000.00}
Product: Debt collection

Liberty Loan keeps contacting me in for a loan issued to XXXX XXXX. I have nothing to do with that loan and I want them to stop calling me ASAP or I will file legal actions against them. I have no ties with her and I want them to leave me alone.
Product: Mortgage

My mortgage was sold off for the 3rd time, and it is with the most recent mortgage provider that they are changing the terms of my loan. They have increased my PMI, stating that the insurance went up. I said my PMI is built into my mortgage as proof of my amortization and terms. Not only has my PMI been paid throughout my mortgage payments, but this new mortgage company pre-paid a full year 's PMI, causing my account to be negative, and now my payments have increased. These are not the items for my mortgage loan. The company also stated that my taxes are higher, and I requested a copy of the tax bill they paid, but they have yet to provide a copy to me. I have also checked with the original loan originator who has also verified that my PMI payments have been built into my monthly payments throughout the life of the loan.
Product: Money transfer, virtual currency, or money service

All moneys are reported to be returned & im very disappointed an also frustrated because I have bills an other things to be paid
Product: Debt collection

Midland funding continues to report debt on an account that is not mine and a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

My account was caught up in the breach and I was wanting that to be fixed
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : 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 or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that 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 is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Second mortgage transferred from XXXX XXXX XXXXXXXX to Carrington Mortgage on XX/XX/XXXX of XXXX. I was under a loan modification in both mortgages 1st and 2nd. 
XXXX XXXX holds m

y 1st mortgage till today. 2nd mortgage never contact me to fin
ish the loan application. From XXXX till XXXX I couldnt find any information about my loan, until XXXX XXXX XXXX. Left a note on my front door. 
I reached out to them and found 2nd mortgage was transferred from Carrington mortgage on XX/XX/XXXX of XXXX. They only contact me on XXXX. 
House is in foreclosure and I tear of {$56000.00} fees are applied and the total amount is {$130000.00} Still trying to reach out XXXX By fax, email, mail letter and dont get a response. They have no records of any loan under my name property address or SSN. 
. 
What should I do? My attorney is not doing anything it looks like. Hearing was XX/XX/XXXX and I am waiting on some of the fees to be removed but Speciali loan service are not willing to do that or negotiate or application for a loan modification.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disrupted items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  XXXX  to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I Put In A {$2000.00} Into My Account And After I Deposited The Check Chase Closed My Account Because They Say They Couldnt Verify The Check Which Was Bull XXXX The Check Was Verified And I Still Havent Received My Funds From The Account Or Received A Check From Chase I Have Bills To Pay And Kids To Care For If I Knew They Were Full Of It I Wouldve Never Put The Check Into My Account I Just Want My Money Thats It I Dont See Why They Holding My Funds Its XX/XX/2020 I Put The Check Into The Account On XX/XX/2020
Product: Credit reporting or other personal consumer reports

I paid my XXXX balance early on XX/XX/29 and made a second payment on XXXX. The first partial payment was incorrectly apportioned to either my principal balance or miscellaneous charges since it was made on XX/XX/29. I spoke to Toyota about this on numerous occasions.

A late payment was reported to my credit which affected my ability to refinance my home during an open divorce proceeding. I wrote to Toyotas credit department to resolve and more information was requested via mail. I wrote to them again with proof of payment and and explanation of the circumstances and have not heard back. My refinance is on a time limit and I need this information urgently updated. I paid everything on time each month before and after this incorrect report. This is affecting my life and I would just like it corrected.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX