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

I contacted TransUnion on XX/XX/XXXX about inaccurate information reporting on my credit report. It was sent with a delivery confirmation, so I know they received it and they have not responded with the 30 days required under FCRA consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX also known as Guaranteed : XXXX XXXX / Regional Manager/SVP of Mortgage Lending / XXXX / www.rate.com/XXXX  / wk/cell : XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX NMLS ID : XXXX Puled a hard credit inquiry on me without my consent or knowledge in the hopes he could convince me to refinance my mortgage, This practice is fraudulent and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries and credit cards that arent mine have been reported to my credit report and have not been removed. I have sent in multiple disputes and nothing has been resolved :
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My information was used, did not allow my information to be shared, theres no open account Exeter Fin XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX avenue My information was used, did not allow my information to be shared, theres no open account XX/XX/XXXX XXXX My information was used, did not allow my information to be shared, theres no open account
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS TWO INACCURATE ACCOUNTS AND AN ENTRY UNDER INQUIRIES THAT IS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS IN NO WAY AFFILIATED WITH ANY TRANSACTIONS THAT WAS MADE BY ME. THE ACCOUNTS AND INQUIRY WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS AND INQUIRY OFF OF MY CREDIT FILE.
Product: Mortgage

I had been working with a XXXX approved Housing Counselor since XX/XX/XXXX, assisting me with my request for mortgage assistance. I was approved for the New Jersey XXXX XXXX XXXX XXXX which provided monthly payment assistance for several months. However due to the severity of my medical condition ( XXXX ), I had fallen behind on my mortgage and loss my job. I was able to obtain gainful employment and requested the Housing Counselor 's assistance with an application to the mortgage company for a loan modification on XX/XX/XXXX. I received a Summons & Complaint from the lender 's attorney in XXXX of XXXX, In which the Servicer is the plaintiff. Due to application documents expiring, an updated application for modification had to be re-generated. An updated submission went out on XX/XX/XXXX. Due to the severity of my medical condition it has delayed the process for me. On XX/XX/XXXX, The XXXX inquired of my son 's income information. In a letter of explanation, I responded that my son is not on my mortgage we only share a bank account. On or about XX/XX/XXXX I received legal notification from the lender 's attorney motioning the court to substitute a new plaintiff. I have not received any communication from The servicer or the new purported Plaintiff indicating there has been a change in servicing or change in investor with regard to my loan. There had been no determination regarding my application request for modification with the servicer. I would ask that the CFPB conduct an investigative inquiry in to this matter for me. Thank you
Product: Mortgage

Back when covid started I lost my job. My mortgage company told me about the " Cares Act. '' They told me I could skip my monthly payments ( for a specified amount of time, 1 year in my case ) and that those payments would be pushed to the end of my loan after the year and I would just resume my normal monthly payments of XXXX per month. 

When the year was up I sent in my normal monthly payment and they sent it back to me telling me I had to pay all those skipped monthly payments ( XXXX ) in one payment to get the loan current and that they wouldn't accept any payments until that was paid in full. I told them there was absolutely no way that I could ever do that even though I can now afford my monthly payments that were XXXX per month. Now they are saying they can not do a modification in my loan either because I dont make enough money ( XXXX ) per month. 

I feel like since they lied to me about putting those missed Cares Act payments to the end of my loan they are basically scamming me into a foreclosure or into selling my home. I have been in the home for 16 years and I am under a VA loan as I am a United States XXXX XXXX XXXX who is alone in life. I can not be thrown into the streets without a home. Can you please help me?? Thank you. 

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

On XX/XX/2021 Experian reduced my score by 25 points. I called to find out what was the reason for this. There was not any derogatory remarks, collections, increase in credit use. No changes at all in the report just a 25 point reduction. When I called to inquire after being shuffled to 6 different people. No one was able to tell me the reason for the 25 point reduction. Can these companies randomly do this sort of thing without cause? Are there any standards they must follow? Is this legal? Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

So I had a XXXX XXXX that insurance paid for. I disputed it online multiple times. And on XX/XX/XXXX I sent in a letter dispute and I never got thr results back. After I sent the letter off, the post office mailed a receipt saying that the letter was sent.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX  XXXX are inaccurate and must be removed.
Product: Debt collection

XXXX responded to my last complaint, which is posted in my CFPB file, that ALL the collections against me were being deleted.

As of today XXXX  and XXXX have done so.

EQUIFAX however, has deleted all but one.

Why is Equifax still showing the one? I suggest they do as XXXX has proffered as settlement to my complaint.

I am hoping it was just a mistake on Equifax 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX XXXX XXXX via phone, spoke to XXXX at the Credit Bureau XXXX XXXX. XXXX was erroneously reporting information to all three credit bureaus that they did not receive payment for XX/XX/XXXX which I immediately disputed. I spoke to both the supervisor and XXXX at XXXX, submitted supporting documentation that proved all payments to XXXX were paid on time and my account was in good standing. I was assured by both XXXX and the supervisior that the error would get corrected with all three credit agencies. It is XX/XX/XXXX, Transunion is still reporting that I missed a payment. In fact, there was a third party vendor that was making payments on my behalf, my account was transferred to a different company. As a result of the transferred account, the XX/XX/XXXX payment was submitted to the wrong address, was corrected in late XX/XX/XXXX. Again, after explaining the details to both XXXX and the supervisor, I was again assured that the derogatory flag on my Transunion report as well as the other reporting agencies would get corrected. I have repeatedly reached out to XXXX several times to resolve this matter amicably, the matter has gone unresolved. Any assistance you can provide with regards to this matter, would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have 2 Accounts Reporting on my credit Report That was open in XXXX and I was only XXXX XXXX XXXX at this time these accounts do not belong to me and I will like them deleted immediately due to FCRA its a XXXX wards account and a XXXX  XXXX  account, I was Born in XXXX I was not even old enough to open a account will upload documents
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from 11 COX COMMUNICATIONS for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting or other personal consumer reports

I appreciate the time you have taken to REMOVE some of the fraudulent items in my file resulting from an alleged identity theft. However, there are still ITEMS that remain and need to be removed. This marks my 3rd submission of a complaint, notifying you that I am a victim of identity theft, and I am disputing these remaining items in my file resulting from the crime. The items in dispute are unrelated to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Kindly remove the reporting of these remaining items in my credit file resulting from an alleged identity theft. For your reference, I am attaching my new FTC report with # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$620.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rented computer systems for my XXXX  which I was in process of purchasing. The property owner had locked me out of the establishment. He continued to conduct business a week later under my XXXX using my computer systems. This situation did go to court. I was locked out of the establishment and was unable to return the computer systems I rented he was also still using them to run the business. Therefore, this XXXX XXXX XXXX was contacted by my lawyer and myself multiple times, advising them that it needs to be removed from my personal credit report. As this original contract for the computer rentals was originated under my XXXX. Recently received credit report for a home loan to find, the amount stating {$16000.00} total amount owed and monthly payment of {$12000.00}? this alone is an accurate total amount reported.
Product: Bank account or service

Submitted a XXXX dollar check to wells fargo, believe had the amount in father 's XXXX life insurance account, in fact, apparently did not, banker showed returned check, promptly went and checked, and came back to the bank and submitted a XXXX check which did in fact have the full amount of funds available, which did in fact clear. believe the bank had " mistakingly '' initiated the XXXX check again, and apparently this XXXX time time bank initiated XXXX run of the check was enough to close an account built from a year long developed opportunity account, at a time where am currently on my own, post a father 's passing, securing living space, and closed the account. 
XXXX and XXXX XXXX XXXX, XXXX number XXXX were the people call center sent to the call to.. prevented being able to pay for a hotel, etc. absolutely no fraudulent activity. absolutely would be a period of two days without any direct funds from my own personal account with no fraudulent activity. am very concerned on the activity on the decisions and would definitely like further research in direct integrity and of a genuine nature. 

Also have other issues which can then submit, and may consider a full and entire filing of entire banking experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct the issue with Experian I have submitted police reports and the account credit acceptance was deleted and 3 months later it was placed back on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to find a trade line from Bridgecrest for a repossession. I have never had a car loan in my name at all nor have I ever co-signed for any car. This account does not belong to me and I want it removed from my credit. The account is associated with my niece, XXXX XXXX, who used my identify fraudulently and forged my signature to obtain a vehicle loan. I had no parts in this and never authorized any kind of transaction like this as my credit has never been strong enough.
Product: Debt collection

keep on receiving notices for a debt collection company called NCB MANAGEMENT SERVICE, Stating that I owe {$4100.00}, I never dealt with this company or owed them money. I spoke to NCB MANAGEMENT SERVICE, I told them to verify this debt, they still haven't provided me proof, and there are still trying to collect this debt and report it on my credit report.
Product: Checking or savings account

In XXXX, the company Chase J.P. Morgan decided to close my account without validity for the simple fact of making several deposit transactions to my account in which they took the time to retain my funds to validate them in which they validated my funds and restricted my account for some money deposits order in which to verify them I provided him with all the information and they validated them and then the check authorization department did not want to approve the sending of the check because a long time passed and my account was unfairly closed and they have withheld my funds and I have been with this Problem for more than 4 months and they still haven't given me a clear and accurate answer and my 3 accounts were closed unjustifiably and my money has not been returned to me and I would like help to solve this problem that is already more than 4 months old and the company refuses to look for solutions XXXX XXXX XXXX XXXX XXXX  de XXXX, Money deposits order of {$500.00} and {$100.00} in which there were several transactions that the money does not want to return to me
Product: Student loan

I was initially set up on a progam where funds were auto drafted monthly. I noticed they funds were n't being deducted I reached out to customer service who assured me I was still in good standing. The following month is was the same situation I once again called a XXXX XXXX representative who informed me everything was still in good standing and not to woy they would notify me when the program ran out so I could call back and requalify. No my student loans are ove {$800.00} dollars behind. I have XXXX XXXX XXXX on several occasions to set up a payment arrangement to bring everything current. None of reps were willing to help There only option was to pay it all then I could set up a payment arrangement. It waslike my prior XXXX calls had gone in vein. Based on my current income and and the amount of debt I 'm currently in I was asking for the lowest payment possible never neglecting the fact I owed them but wanted a lower payment. I even had XXXX rep to tell me borrow the money from someone to make the payment. Some type of customer service XXXX XXXX has. I wish I would 've never taken out a student loan with XXXX XXXX because they refuse to help you when you actually call they to set up payment arrangements and then all they do is harass you.
Product: Credit card

On XX/XX/XXXX, I placed an order with XXXX through the XXXX XXXX XXXX. Almost instantly, I realized I had not changed the delivery address in the app to the correct one and the food order would not be delivered to me because the XXXX location was too far away. I canceled the order and asked XXXX XXXX  for a refund, which XXXX XXXX refused to issue. I disputed the charge with my credit card issuer, Citibank. They found in XXXX XXXX XXXX favor on XX/XX/XXXX. I never received the food and I do not think I should have to pay for something I did not receive, especially when I acted promptly to cancel.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 


15 U.S.C 1681 section 602 A. States I have the right
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 XXXX : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX : Account number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  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.