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

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights XXXX XXXX, Has Violated my rights XXXX XXXX, Has violated my rights XXXX 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
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

I was in forbearance during COVID and entered into a loan modification agreement with my lender. I was given a payment schedule of three payment to make of approx ~ {$2900.00}. They do not have automated payment methods. I called in to make the first payment in XX/XX/2021 ( the phone call was recorded ) and the person told me that I had {$2700.00} in suspension ( I made a partial payment during the forbearance period ) and that I could apply it towards my first payment. I asked her at least three times if that was true and she said yes, so i authorized an ACH payment of {$250.00} ( which combined with the {$2700.00} was more than enough for the initial payment ). I called in XXXX and made a full payment of ~ {$2900.00} and it was processed from my bank account. In XXXX when I called to make the third and final payment they told me that the agreement was breached for a missed payment on my part and that the agreement was cancelled. I explained what the lady told me and they researched it and got back to me acknowledging the mistake and informed me that she was wrong that a payment in suspension could NOT be used towards a payment. I explained that I was prepared to make a full payment when I called in and would have done so had she not directed me in this manner. At this point I have been on the phone with them three times for over three hours and each time they tel me it is reinstated and then I get letters to the contrary. I have escalated to no avail and at this point they are telling me tht I have to reapply for a loan modification and start all over. The big issue with that is that my current interest rate is 4>65 % and I have a lender that is willing to refinance it down to 2.24 % which will reduce my payment by ~ $ XXXX but this cant be done until I am officially out of forbearance and it is reported as such. Please help as this company seems to be hamstrung by systemic issues and are not willing to fix their mistake.
Product: Student loan

I hold 6 private student loans with Navient. I had previously set up monthly automatic payments to cover each of these loans for {$290.00} monthly. The last payment made was on XX/XX/2020. I did not receive notice of any account changes from Navient by mail or email regarding my loads or monthly payments. 
I received a notice of monies due in XXXX of {$84.00} termed a " past due notice '' via email. I paid this ( although I was unsure what it was for and should have looked into it. ). This, I learned today was not applied to any " past due '' balance but applied to my total load debt with Navient. Therefore maintaining delinquency of my account. 
I received an additional call today informing me I was delinquent on my payment with Navient because 4 of my 6 loans had " fallen off '' of the repayment plan. I investigated my bank statements and no deduction has been taken since XX/XX/2020. 
In addition, I was informed today that a few of my private loans had been placed in forbearance I did not request nor authorize this. 
I have great concern that Navient is not following the terms outlined in the truth in lending act nor the terms they have set with, at the very least, this borrower to ensure communication is concise and easy to understand. I believe situations like these only benefit the lender, who is then able to collect late fees and extended interest fees. 
I attempted to ask very specific questions of the Navient representative today who could not provide me with information to understand how my account is being managed without my consent to these changes. I enrolled in a new payment plan and the recording specifically states that the payment plan will not be altered unless i request. I have high doubts this will occur as Navient has a proven track record of confusing and misleading borrowers for their gain.
Product: Debt collection

Company keeps calling me.. The debt is far beyond the statute of limitation, does not belong to me, not on my credit and the company can't provide signed proof that tie me to the debt in anyway.
Product: Payday loan, title loan, or personal loan

I am on a fixed income and have attempted to pay the loan. At this time I have asked them to not contact me through a cease and desist letter. They continue to harass me and my family. I am requesting that they stop the harassment.
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. Experian, TransUnion, also Equifiax 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 accurate.
Product: Money transfer, virtual currency, or money service

Ive had a situation with BofA and my account was officially closed XX/XX/XXXX but the I have been dealing with this since XXXX. They told me the problem would be resolved within 45 days but has been way past that. They were supposed to send me a cashiers check within XXXX business days and the last day I was suppose to receive it was XX/XX/XXXX or XXXX, XXXX but havent gotten anything. Before they even sent the check I asked if I could pick it up from a local bank and they said yes but it would take 1-5 business days to be approved. I called 2 days later and they told me it had been approved but it was to late because they sent it out already. I already confirmed they shipping address and they couldnt tell me where my check was and they I will have to wait another 120 days before they send another one. 
The checks were around XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I wanted the reported late payments with XXXX updated as paid never late status due to an system error on their end. Equifax and XXXX did not do a proper investigation and Ive paid my car payments on time prior to 30 days. Ive called XXXX and Equifax to let them know of the error and it was still reported as late. A proper investigation has not been completed. XXXX has made multiple inaccuracies of the reporting of my account. This can be referenced from the last CFPB report. 

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and XXXX consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing XXXX XXXX organization to view my credit history. Therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

XX/XX/XXXX Closing Statement card XXXX. XX/XX/XXXX Adjustment Purchases. CREDIT $ XXXX XXXX Payment $ XXXX Finance Refund $ XXXX $ XXXX TOTAL CREDITS APPLIED $ XXXX ALL COME FROM MERCHANTS AND ME MERCHANTS CREDITS TURN INTO NEW CHARGES XX/XX/XXXX {$190.00} USAA BEGAN FRAUD INVESTIGATIONS XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These purchase dates are XX/XX/XXXX Why did USAA DELAY FRAUD INVESTIGATION 9 MONTHS? These purchases were reported Unauthorized XX/XX/XXXX. USAA LEFT ME LIABLE FOR UNAUTHORIZED CHARGES OF XX/XX/XXXX Then charged them again as New Purchases??????? USAA IS THE CROOK This has been reported ID THEFT
Product: Mortgage

Dual Trucking regulation is violated with CFPB rules Establish strong Protections for home owners facing foreclosure.Need your help Fay Servicing is in process looking a workout solution to keep my home but at the same time XXXX XXXX. wants to precede with the foreclosure the property they are requesting at the XXXX county court XXXX XXXX hearing date is coming on XXXX XXXX at XXXX room XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a report I have several inquires that were never initiated for business I do not have accounts with any of these companies please delete them and the 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

XXXX XXXX XXXX company has not reported my two paid off auto loans to Experian credit bureau They have reported them to XXXX and XXXX but not Experian. 

It has been one year of me emailing XXXX XXXX management employees XXXX XXXX ( XXXX ) I have been told over and over the next month the two paid off auto loan account numbers XXXX and XXXX will report to my Experian but they still have not. 

It is unfair that I paid off 2 cars 100 % on time payments but am not getting credit for it by Experian.
Product: Debt collection

I never lived at this address EVER this is fraud I want this removed off my credit it is causing major problems in my life. XXXX has deleted it i am working on XXXX and XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged account ATTORNEY GENERAL-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to credit bureau requesting them to validate this debt as I have no knowledge of the account or the original creditor and it was sent on XX/XX/27 and still no response. I have reached out as well to the collection company who have not sent validation either. I reached out to the original creditor showing on my credit report on XXXX who stated they had no record of the account have a balance or going to the collection agency and shouldn't be on my credit report. The credit bureau updated and closed the account but still have not been removed and them not deleting this account and not doing a proper investigation is hurting and damaging my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts are paid on time, yet my credit scores are declining. The credit reporting agencies are improperly reporting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Checking or savings account

I reported my pocketbook stolen I lost it the year the bank account was opened and has no clue until my other accounts were closed. I had a police report that I can not find
Product: Checking or savings account

Last week I submitted a order through XXXX Bank to transfer {$240000.00} out of Marcus. Why? Because I found a better interest rate ( 5.55 % instead of 4.40 % ). The transfer seemed to go through nicely. 
On Saturday, I logged into my Marcus account to transfer funds between my two Marcus accounts, but the transfer request was denied? Why? They refused to tell me.

Then, the geniuses at Marcus decided it would be wise to claw back the money they has successfully transferred to XXXX, which caused serious problems for me at that bank. 
. 
Now it is Tuesday. They still have provided no explanation for what happened and I still have no access to my money. They keep telling me I need to wait 5 days while they " investigate ''.
Product: Mortgage

Me and my wife have been trying to get a loan modification with them while we get back on our feet since summer of XXXX ( XXXX to be exact ) and we are going on to almost a year now of us calling them multiple times monthly on recorded phone calls where we turned in to them the documents they needed multiple times a month through the phone, the online website, physical mailed copies to them and a bunch of emails that we sent to them with the documents. They always tell us that they didnt receive the documents or some are missing, the stories they tell us always change and its been going on for 9-10 months now and it got so bad that me and my wife got into so much debt because of them not being cooperative, so we got the VA involved in XXXX so that they can maybe help us out and reach out to the bank that owns our house and they also have not been cooperative with the Department Of Veteran Affairs Loan Technician person that was helping us out, she ( Va loan technician ) told us that they gave them multiple deadlines to reach out to them and us and they just ignore her and the VA, So the VA contacted me and told me to Report them to the CFPB since they have not been responsive and willing to continue the forbearance/ loan modification program with both the VA and myself. We are in need of help if this continues any longer I will lose my lively hood and everything that I own, I urge this department for help!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I began to hear from this debt collection company called Phoenix through phone calls in early XXXX saying I owed a debt from a company called XXXX XXXX XXXX for an ambulance in the year XXXX. I do not recall having an ambulance transport me in XXXX and if they did and I forgot, I do know why I should ever have owed such a debt because I have always had medical insurance and assume the company should have billed my insurance, which I always provide when asked. If I was unconscious or something I assume the original company would have called or written me asking for insurance information I asked several times for the company to provide me with a written statement stating what the bill was for so I could endeavor to discover whether I owed this bill, because in XXXX I went through bankruptcy and discharged all existing medical debt that I was aware of. 
At no time have I ever received the requested information. On XX/XX/XXXX I became aware that this company had reported the outstanding debt they claimed to a credit reporting agency severely reducing my credit rating. On XX/XX/XXXX I called and had a conversation with a rep from Phoenix Financial Services ( XXXX ) XXXX from XXXXXXXX XXXX XXXX time to XXXX XXXX. The rep who answered the phone flatly refused to provide any information about the debt saying it had already been provided to the address on file, which I confirmed was the right address but have never received any information about this debt at this address. I told the rep that it is their responsibility to provide me with evidence that the debt was incurred. They said no, it was my responsibility to provide evidence that the debt was not incurred. I asked how one can provide evidence of a null in that way? They said it required that I make a complaint of identity theft. I stated that my complaint was not identity theft but rather that they did not provide enough information for me to try to track down whether I really owe this debt or not, which would depend on 1 ) verifying that the incident occurred which I have no memory of, 2 ) whether if so, the provider appropriately first billed my insurance rather than just billing me, and 3 ) whether the debt was discharged in bankruptcy.

I believe this company is not behaving appropriately as a debt collector.

1. Not providing suffiicient information and in writing about the debt despite my requests.

2. Billing me for something that may never have existed, or if it actually did and I was not conscious at the time, should have been something billed to my medical insurance or have been discharged in bankruptcy in XXXX, and reporting it to a credit reporting agency illegally. 
3. Demanding that I make a complaint for identity theft which is not my complaint and otherwise refusing to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am completely distraught after I tried for the third time with Transunion to remove a Chapter XXXX  bankruptcy that was fraudulently filed in my name. Docket XXXX Date showing filed XX/XX/XXXX and paid XX/XX/XXXX from US Bankruptcy Court Attorney XXXX  XXXX XXXX. I did not file this bankruptcy and I have been sending them documents since XX/XX/XXXX. I've even hired a reputable credit repair business to assist me and Transunion is refusing to remove it. As you can see this is of a serious matter and affects everything from credit card to loan applications. A Transunion agent was yelling at me on the phone today screaming in my ear that they did not receive my documents which is a blatant lie. I decided to turn to file this complaint as no other option.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the unresolved issue concerning fraudulent items on my credit report, despite my tenth attempt to rectify the situation. 

Despite providing comprehensive evidence and diligently following the prescribed procedures, the fraudulent items persist on my report. This ongoing issue not only damages my financial reputation but also undermines the accuracy and integrity of my credit history. 

I request that you thoroughly investigate these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I have requested the METHOD OF VERIFICATION AND VALIDATION from TransUnion since XX/XX/2019 via certified mail tracking # XXXX for the following account as these accounts are REMOVED/DELETED from XXXX  and XXXX  and ONLY EXIST ON TRANSUION WHY? 

XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX DPT EDXXXX # XXXX ( FOUR OF THE SAME ACCOUNTS )
Product: Debt collection

They call sometimes 30 times a day and have threatened to sue, when I can they dont answer and I cant get any information from them