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

To Whom this may concern : Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here below with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Collection- # XXXXif not valid or verified properly, delete immediately. 
XXXX- XXXXUnverified Account- delete immediately. 
XXXX XXXX XXXX XXXX-if not valid or verified properly, delete immediately. 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1981
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, 2020 at XXXX XXXX  Delivered to Agent for Final Delivery XXXX, PA XXXX i contacted credit reporting agency about a fraud on my report. agency did not follow protocol as needed to remove fraudulent account
Product: Credit reporting or other personal consumer reports

There is a U.S. Bankruptcy Court item on my Transunion credit report. Per the FCRA 623 ( A ) ( 5 ). If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts have mailed me a letter which emphatically stated that they do not provide any information to credit reporting agencies nor do they ever validate and/or confirm public records. It is the credit reporting agencies and/or other third party providers who collect information regarding public cases from public records. Public records information is Never validated by U.S. Court System due to the Fair Credit Reporting Agency Privacy law. My inquiry to the U.S. Bankruptcy Courts confirmed XXXX has Never validated or verified the public record entity on my credit report neither will they ever be by them. They further stated while they are not liable responsible for any misuse or incorrect public records nor the distribution of said information public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly considering the information indicating a fair credit reporting violation. I need all bankruptcy information currently showing under my social security number to be Permanently Deleted from my credit report immediately. The XXXX Credit Agency needs to provide me with copies of all documentation associated with this public record account bearing either a court order to place this information on my credit report or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the federal law you have exactly 30 days to complete this investigation as outlined per the fair credit reporting act 623 ( A ) ( 3 ). Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your reporting services could fax, email, or mail fraudulent and erroneous account information. As such if this unauthorized public record information is not deleted from my credit report with 30 days I will be filing a complaint with the federal trade commission. Failure to respond in a satisfactory manner within 30 days of receipt of this letter will be interrupted as defamination, negligent, enchantment of identity fraud violation of the FCRA. 15 USC 1681b, 15 USC 1681q, 18 USC 1028A, 15 USC 1681c-2
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX  XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, requested disputes on a lot of thing on my credit report. Experian investigated them. And over a period of time, some they cleared up others, they left as " Potentially Negative '' even though the credit items are closed with a XXXX balance. Or they didn't belong to me directly. I have working hard to clear up my credit for years. And the majority of my accounts state that I have never been late of a payment. When the increase my credit they increase it by one, three or six points, but when they have dropped in it has been dropped as much as fifteen or twenty points. That keeps it below the FAIR rating. Yet the promote getting more credit cards, when I have done that, that drops my credit score even lower. One of the main credit items is XXXX XXXX XXXX, they took over to account that should be taken of my credit ( XXXX 's and XXXX XXXX XXXX XXXXy ), they have yet to be updated.I feel as if I have been put on a hamsters wheel. I don't feel as if the companies who decide your credit rating should be promoting getting more credit. Thank you for you time.
Product: Credit card or prepaid card

Good evening, my name is XXXX XXXX XXXX. I applied for a Capital One credit Card on XX/XX/2019. I got 2 inquires instead of 1.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # Account info Account name XXXX  Account number XXXX Account type Unsecured 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.
Product: Consumer Loan

Santander Consumer Bank makes it impossible to pay loan in full and creates impossibilities to pay on time thus charging extremely high fees. They charge you XXXX dollars to make payments online or over the phone which consumers must do because checks that are mailed take weeks to be processed. I 'm trying to pay the loan in full but XXXX wo n't process my credit card payment because it 's payment in full. I was told I ca n't pay the loan in full online or over the phone even if I only owe XXXX dollar that I must send a check. The check wo n't clear in time to pay in full so the bank will charge additional fees. I 'm also concerned from reading about this bank I wo n't receive the title. Most complaints on XXXX are similar to mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, Trans Union, XXXX, and XXXX. The information also shows up on my profile in two of the credit monitoring servicesXXXX XXXX XXXX  and XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME. 

1. XXXX 2. XXXX BANK 3. XXXX XXXX XXXX 4.  XXXX
Product: Credit reporting or other personal consumer reports

There are collections on my credit report that were 1000 % not done by me. So here is the order I followed. 

1. I obtained my credit report from XXXX. Once I identified fraudulent items I sent letters over 35 days ago certified to all of the collection agencies to remove them. 

2. When I got no response by doing that I submitted a case to https : //www.identitytheft.gov/ and provided the case number with my previous cfpb submissions as well as screenshots of the fraud on my report. 

ID FOR COMPLAINT SENT TO EQUIFAX CREDIT BUREAU XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX AGENCY XXXX ID FOR COMPLAINT SENT TO XXXXXXXX XXXX XXXX XXXXXXXX I also called all 3 credit agencies directly to get no where. 

To this day close to 40 days later and the fraud items have not been removed!!! 
Federal law for consumer protection as well as timelines have not been followed.
Product: Credit reporting or other personal consumer reports

Experian has several things on my credit report that I can not get fixed everytime I send a dispute they do not change it or fix anything it comes back the same denied for my dispute with XXXX XXXX  the information is incorrect on this account I was living at XXXX XXXX XXXX during whem this account was put on collections it showed it was placed in XXXX  when the address for XXXX XXXX which is on the nXXXX XXXX  account but I was living at this XXXX XXXX XXXX for about 3 years the information is just all in accurate also my social security number is wrong on Experian and my identity never can be verified I tried to fix this and still have not I disputed it to Experian still no change and I have a closed account with XXXX XXXX  and this is still on report affecting my credit Experian will not help me and disputing does nothing
Product: Debt collection

I have an ongoing billing dispute with XXXX XXXX, that they have never actually acknowledged. XXXX has reported the account in question as a collection record to all three credit bureaus, blatantly disregarding the XXXX. With that matter still under investigation and my lawyer currently pursuing the deletion of this record from my credit reports, I received a collection notice from a XXXX party collection agency on XXXX/XXXX/2015, demanding payment for this same account in the amount of said {$780.00}. It 's essentially 'double jeopardy ' in the credit realm. Considering the express fact that I do NOT owe XXXX XXXX any money at all and the ongoing FTC and legal complaints, it is highly inappropriate for XXXX XXXX to assign this account to yet another third party collection agency. NOT TO MENTION that XXXX XXXX is still attempting to harass me to collect on this same account. This is the XXXX time XXXX has " sold '' this account to another collection agency. This is absurd.
Product: Credit card or prepaid card

American Express account # XXXX XXXX XXXX Account holdder XXXX XXXX XXXX I made payment on this account on XX/XX/XXXX, this week, same day payment was due, via my checking account at XXXX. As usual, the payment was scheduled for the due date days in advance. 

Despite the bank showing my payment was made, American Express charged a late fee of {$29.00}, claiming payment was not received in time this week or never made ( according to their system, they don't know what exactly caused problem, but this problem was caused by American Express, as my bank XXXX is clear that payment was made on time, in full ) In my experience, American Express is one of the worst among credit card companies for claiming payments are late, in order to run up fees and excess charges on the account. 

American Express also failed to comply with the COVID forbearance requirements, as required by XXXX law, starting in XXXX. 

I appreciate the intervention of CFPB in this matter. 

Also, I suggest a careful examination of American Express practices on all late fees is required, as well censure and XXXX fines for failure to comply with the COVID forbearance requirements. 


XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I previously had a BOA account which open but it has been over 120 days without activity as of XX/XX/XXXX. The last statement I received indicated I was over drawn due to monthly fees in the amount of {$32.00} ( estimate ) I was unable to put anything in this account until I made an cash deposit on XX/XX/XXXX in the amount of {$660.00} at BOA ATM. Upon making the deposit I called & was told the account was closed. I understand the reason, but I have been unsuccessful getting my funds returned or additional assistance on the phone. I was willing to pay the fees. However anything in excess should be returned. I attempted to get assistance over the phone & have been bounced around from department to department. I need assistance because if they are not willing to provide an account for me I need to be able to take my funds elsewhere. Please note the rep I spoke to onXX/XX/XXXX stated the funds showed in their system & she & her manager was confused why the card was still active. I did not know about the status of my account until after I made the deposit onXX/XX/XXXX & called them.
Product: Mortgage

On XX/XX/2019, was the first email receive to confirm email at Regions Bank from XXXX XXXX XXXX  XXXX Originator NMLS # XXXX. 
On XX/XX/2019 I requested a letter of pre-approval from the lender at Regional Bank in order to start looking for a home. 
On XXXX the XXXX 2019, We Receive a letter of pre-approval stating that it was for a conventional load. ( attach letter ) On XX/XX/2019, we were under contract with XXXX XXXX XXXX as your Title Insurance providing us with quality title and escrow services.Effective Date : XX/XX/2019 Survey Due : within 10 days - Expires XX/XX/2019 Option Period Runs : 10 days - Expires XX/XX/2019 @ XXXX XXXX title Commitment Due : within 20 days - Expires XX/XX/2019 Financing Addendum Runs:15 days Expires XX/XX/2019 Closing Date : XX/XX/2019 ( attach paper receipted ) XX/XX/2019, Title Commitment to Buyer ( attach receipted ) XX/XX/2019 email send about Regions Portal to access load application. 
XX/XX/2019 email was send to Lender about the status of the loan. as well the appraisal for the listing agent. 
XX/XX/2019 Loan Application ( Signed Documents Received ) XX/XX/2019 Document for the warranties for home were received. 
XX/XX/2019 email letting us know we need it to change loan programs. 
At this point we felt that the lender XXXX XXXX XXXX Mortgage Production Manager NMLS XXXX, didn't want to help us or give us options of what was happening and why it took this long to change loads, We felt mislead and deceived. 
We talk to the real state agent XXXX XXXX XXXX XXXX XXXX to see what were our options and she recommend to go to a new lender. 
XX/XX/2019 Mr. XXXX send us an email requiring more information to be send to the underwriter. 
XX/XX/2019 we send everything to the regions bank lender to be send to the underwriter. Plus new contact for the earnest money to be release and prepare a new contract on FHA loan terms. 
XX/XX/2019 at XXXX XXXX  via text lender send us a text that our file was withdraw due to us getting a second opinion with another lender. 
XX/XX/XXXX XXXX email was receive stating with a letter of declination that will be mailed via USPS to the addresses of record on the loan application.
Product: Credit reporting or other personal consumer reports

Upon checking of my credit report today, I noticed an unfamiliar inquiry on my report. I didn't authorize nor recognize it or consented to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX and XXXX
Product: Debt collection

XXXX dispute XXXX XXXXXXXX i have tried several times to get your company to follow the law/ every validation your company has foward me has a purchase of debt mailing to a XXXX XXXX XXXX about 5 to six months while XXXX XXXX. under the law any company that is to make a negative remark on my credit report must make contact with me bi phone or bi mail before taking a negetive remark against me to allow me to access my right to validate or dispute the debt. on this despute i provided your company with a disposition from the court on XXXX # XXXX which is public record and i had to go pay for the record to show you i was XXXX  in XXXX of XXXX so if you didnt obtain this so called debt until XXXX and XXXX of XXXX  how can you have made contact with me. you are falsely claiming i owe you money when i have never entered into any contract with your company or allowed your comapny access to my private protected credit information. your company is un ethical and is illegally making negetive reports against me. please publish all investigations and resoning for validation alonjg with how you legaly obtain my credit information. i am going to be contact a lawyer to see if we have any further actions i can take against your company.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX for a payday loan. There was an advertisement for a loan from Crestline Finance, advertising a 19 % loan. I was able to qualify for {$600.00} to be paid in one month. I was informed of an annual {$30.00} charge. I signed the loan agreement. On XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I paid approximately {$670.00} and in return received {$570.00}. I questioned the fees but was never given a clear explanation. I called Crestline on XX/XX/2020 and informed them of my intent to pay off the loan on or about XX/XX/XXXX. I wanted to avoid any automatic deduction and was told the only way I could stop the ACH which I had never used was to write them a letter. They would not provide a fax or email notice. So I sent a Priority letter on XX/XX/2020 indicating that I no longer agreed to an automatic deduction. I then went to both the physical store and called Crestline to discuss what I believe to be undisclosed fees. I finally discovered that I was paying a 10 % fee each month for use of a third-party processor? There is no mention of this fee in the contract, nor could anyone explain why it was necessary since I paid in cash at the store on each due date. I called Crestline and attempted to resolve the matter but I was put on hold and then the telephone call was disconnected. 
I have attached the loan agreement, along with the transaction history from their website which does not include the {$60.00} charge. However, I also submitted a copy of a the referenced receipt and it shows a payment of the {$60.00}.
Product: Mortgage

I am trying to pay my Roundpoint Mortgage XXXX payment before the XX/XX/23 deadline. 

Roundpoint Mortgage has a bank account number on file for me that is incorrect. I want to pay by bank transfer, but on their website, they block me from changing which bank account number I want draw from. They give no option for changing the account number. 

In addition, Roundpoint Mortgage uses a telephone system that gives no option for speaking to an operator/technician. Also, the phone system does not have an option for changing the bank account for my on-line draw. 

I believe that Roundpoint is blocking access to me so that I will be late and they can charge a late fee. 

Can you help me get access to their offices so that I can change this bank account number for the draw?
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
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 XXXX  according to XXXX-Debt 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 CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Student loan

Navient was supposed to simplify my XXXX loans. They did not. They made them worse. Lied about payment options, lied about time to pay off and interest rates. XX/XX/XXXX and XX/XX/XXXX I took out loans for a for profit school, which turns out gave me a degree that is n't even acredited when they said it was. They promised job placement and got none. Told loans totaling {$22000.00} would be paid off in 10 years ... I have never missed a payment. 8 years later I still owe {$19000.00}!?!? Something is fishy here ... I have XXXX private loans too. One account number for all XXXX, but checks have to be sent to 3 separate addresses. Which they do n't tell you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had seen my credit report and I see that they are multiple inquiries from XXXX and XXXX that I do not recognize and do n't believe making so I would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction