23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with XXXX, XXXX  and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX, XXXX and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX  XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX Status makes no sense, delete this immediately : XXXX and XXXX : closed/TransUnion : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that XXXX and XXXX report a monthly payment of {$0.00} while TransUnion reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX/XXXX $ XXXX/TransUnion {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX/XXXX $ XXXX/TransUnion {$68000.00} Past due : XXXX  and TransUnion $ XXXX/XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm resubmitting this complaint on behalf of complaint XXXX. I used auto fill for contact information and it put my daughter 's name which I was unaware of until I submitted the complaint. For verification purposes I will include my DL. Per my last complaint, I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Equifax report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a inaccurate bankruptcy on my credit report that isn't mine with the credit bureaus. It was removed XX/XX/2018, then reinserted without notice which is required by the FCRA and notice has to be given by the credit bureaus in writing 5 business days after reinsert. I received nothing from this company. This is a clear violation of the FDCPA legally. I have a right to a fair & accurate credit report. I have also contacted the bankruptcy courts by mail & email & provided copies to this company. I have also been told they don't verify with credit bureaus so they can't provide me any information. I am demanding this deleted immediately for this is ruining my credit & doesn't belong to me.
Product: Student loan

I was misinformed by XXXX XXXX/navient about my options for repayment as well as the removing of my co-signer, it was at this time my co-signer was forced to pay XXXX to be removed as co-signer by threatening to take theyre home. I was also permanently XXXX and on XXXX a bankruptcy judge discharged this debt due to the financial burden this would place on me and my family. I have spoken with navient many times and explained this to them they state that the loans can not be discharged through bankruptcy and continue to harass me through constant letters and reporting this to the credit bureaus thus causing more financial distress to me and my family. I have been deceived by my school as well as XXXX XXXX/navient. After learning of the ongoing lawsuit against navient I truly believe I should be included in the lawsuit against navient. I was never offered an income driven repayment plan I was always pushed for more payment than I could afford so I ended up defaulting and being charged off.
Product: Vehicle loan or lease

My upcoming XXXX XXXX auto payment of {$400.00} is due on XX/XX/XXXX. I am in a federal disaster area due to Covid-19 with some of the highest cases in the country in XXXX County. I had called around XX/XX/XXXX to ask for assistance as my last day of work was XX/XX/XXXX. My company has laid off everyone and I am currently ineligible for unemployment benefits. Meaning I have no income coming in for the time being. With other bills between XX/XX/XXXX and XXXX, I knew I wouldnt be able to pay my upcoming payment. When I called and spoke to XXXX on XX/XX/XXXX, I was told to call back closer to the due date. I called back XX/XX/XXXX and was told the most theyre offering anyone right now is 15 days. They wont even allow the deferral of a single payment and the global economy is crumbling.
Product: Debt collection

This account was disputed and removed from my credit report. They have added this account to my credit report again, in error.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against " CITICARDS XXXX '', " TransUnion '', " XXXX '' & " XXXX '' regarding their failure to address and rectify inaccuracies with the required XXXX timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX I submitted a dispute with " TransUnion '', " XXXX '' & " XXXX '' regarding " XXXX XXXX '' reporting numerous inaccuracies on my credit report. Specifically, I detailed the discrepancies that XXXX XXXX has been reporting to the XXXX major credit bureaus. These include inconsistent last activity dates, irregular payment histories, and the omission of timely payments on XX/XX/XXXX, to XXXX while failing to provide corresponding records to XXXX and TransUnion. 

Furthermore, XXXX XXXX has erroneously marked my account for late payments. I hereby demand documented proof of any late payments attributed to my account. Should CITICARDS XXXX fail to provide such evidence, I insist that ny account be updated to reflect " paid as agreed '' Despite the aforementioned discrepancies and violations, TransUnion, XXXX, XXXX & XXXX XXXX, has failed to respond within the mandated XXXX period, as outlined by the FCRA. This failure is unacceptable and warrants immediate action from the Consumer Financial Protection Bureau ( CFPB ). 

I hereby request that this matter be escalated, and a thorough investigation be conducted into TransUnion, XXXX, XXXX & XXXX XXXX 'S reporting practices. I demand that CITICARDS XXXX provide documented proof for any alleged late payments and promptly remove this erroneous account from my credit report. 

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please do not hesitate to contact me if further information is require. 

I also demand that this resolution gets handled on CFPB.GOV and not outside of it for documented proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as I have notified Transunion already. I XXXX XXXX  Give authorization to TransUnion to proceed with my claim of Mortgage fraud, as per Transunion request.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION SENT ME THE AFFIDAVIT THAT SO THAT I CAN GET THE INNACCURATE INFORMATION DELETED AND BLOKED FROM MY CREDIT REPORT AS A RESULT OF IDENTITY THEFT! 

I HAVE GOTTEN NO RESPONSE.
Product: Mortgage

Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now. I was transferred not too long ago to a new servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLC. 
From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX  transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer which is now my current servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLC. 
I recently sent over the a full packet to RUSHMORE LOAN MANAGEMENT SERVICES, LLC again in hopes for a loan modification review. I and my family are in a very tight spot with RUSHMORE LOAN MANAGEMENT SERVICES, LLC and we do not know what else to do. I can make monthly payments for this loan of around {$1300.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company as to why its taking so long to review and approve the loan modification process. Seems as though every company is prolonging the process as much as possible. 
RUSHMORE LOAN MANAGEMENT SERVICES, LLC are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS
Product: Mortgage

I was trying to modify my FHA loan, and the lender ( U.S. Bank National Association ) denied me base on " insufficient down payment '' requirement. FHA does not require a down payment, since then they have tried to gain possession of my property. I have a court hearing tomorrow XXXX/XXXX/2015 in XXXX to try to stop this injustice. This has been a great burden on me and my family.
Product: Credit reporting or other personal consumer reports

I filed a police report with the XXXX sheriffs department due to multiple fraudulent accounts being opened on my credit report I also have attached my identity theft report from the FTC. Along with a copy of my identification. These accounts are fraudulent and the result of identity theft. 
XXXX ) XXXX XXXX {$6400.00} opened XX/XX/XXXX XXXX ) XXXX XXXX {$3000.00} opened XX/XX/XXXX XXXX ) XXXX XXXX {$3000.00} opened XX/XX/XXXX XXXX ) XXXX XXXX  XXXX {$2800.00} opened XX/XX/XXXX XXXX ) XXXX {$4500.00} opened XX/XX/XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) is a section of the Fair Credit Reporting Act that requires a consumer reporting agency to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The agency must block the information not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer
Product: Credit reporting or other personal consumer reports

This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affec
ted payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Mortgage

Company wrote letter advising HELOC was charged off. Also credit reported initially that way as well. Did not see copy to CFPB. 

Claim was for XXXX period damages coersion forcing modification of their HELOC to allow MOD of first to XXXX XXXX which they serviced. Refused reasonable short sale not advising XXXX they would be paid in full. 

Now they are again starting collection against us after advising they had done XXXX off
Product: Mortgage

I originally used the Covid relief payment deferral in XXXX of XXXX to help with making mortgage payments to BSI Financial at the time. It was only supposed to be for a few months and the payments would be tacked on to the end of my mortgage. They told me I would not get charged any late fees for this. I never stopped making payment to BSI financial, however they have been charging me late fees since XXXX. I have called numerous times to check on the status of my mortgage to BSI and they would assure me that everything was fine and that they were just waiting on funds from the VA. This went on for years. I made my full amount payment every month and it was not being put towards my mortgage, it was held in some unapplied account. I do not know where all the payments I have been making to BSI for years have gone. I also never received any information or paperwork regarding these issues from BSI. The only time I received my mortgage modification application was in XXXX of XXXX, 15 days before my account was transferred to XXXX XXXX. Now XXXX XXXX has no idea what is going on and is saying that I am XXXX payments behind and owe them {$33000.00}. I also tried to make my monthly payment this month for XX/XX/XXXXXXXX  and it was rejected and returned to my checking account. I called XXXX XXXX  to find out why this happened and they said they didn't know but their best guess is because I didn't make the payment of {$33000.00} in full. And when asked what I should do they told me to file a lawsuit. Now because of a few months of payment deferral during Covid I am showing my mortgage is delinquent, it has dramatically affected my husband and my credit score, and we are at risk of foreclosure and losing our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

TranUnion and XXXX  are fraudulent on my accounts XXXX  XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXXXXXX XXXX  is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX
Product: Debt collection

I have the following 3 medical bills on my XXXX bureau only and after contacting XXXX via phone and email I have not received any information. 
GLA Collections has listed : XX/XX/XXXX {$210.00} medical bill XX/XX/XXXX {$140.00} medical bill XX/XX/XXXX {$130.00} medical bill I have faxed a copy of the police report showing fraudulent charges to both XXXX and GLA collections and have never received a letter in the mail, email or a phone call. 
I have Never lived in or near XXXX, KY and have never seen a Doctor for anything medical in XXXX, KY ever.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not and will not correct incorrect information on my credit report regarding my mortgage. I am homeless and unable to obtain housing due to the inaccurate reporting on Experian.
Product: Mortgage

This is a follow-up to the complaint I originally submitted on Friday XX/XX/2018, Complaint Number XXXX. After my real-estate agent called SPS on XX/XX/18 to confirm that the short sale acceptance documents were received, faxed and emailed on XX/XX/18 and XX/XX/18, she was told we no longer had the option to short sale our home ; that " cash for keys '' was the only option available at this time. SPS sent a letter to me, dated XX/XX/2018, where it gave us options to avoid a foreclosure. The letter, ( also attached again ), had a short sale option with the stipulation that we accept the short sale acceptance letter, sign and send back on or before XX/XX/2018. The letter also states that I have 30 days from the date of the letter ( XX/XX/2018 ) to contact SPS with any questions. My agent and I sent the signed requested documents back to SPS on XX/XX/18 and XX/XX/18, which was confirmed by SPS, then they told her that my options had expired. How can this company get away with false, misleading information being given to consumers about a short sale option ; the requested protocol being followed by the consumer and then they take the option away without any further notice? We never received any further communication in writing, fax or via mail stating our options had expired until my agent called ; now all of a sudden a new letter dated XX/XX/2018 was faxed ( also attached ) to my agent stating that we no longer had the options that was previously offered. That is nothing short of false information and a bate and switch tactic being sent to borrowers. This company can not get away with this, they gave me the option in writing to sell my property as a short sale and that's what we want to do.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with the purchase agreement to show full ownership of such account and also documents so I may review this to see if it actually belongs to me.