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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX
Product: Debt collection

Credit Collection Services say I owe XXXXI dont have a contract with this company.Or XXXX I had another insurance company when this debt is alleged.I dont have any contract with XXXX agreeing to pay XXXXThis is not my debt.
Product: Debt collection

I have sent this company multiple letters to validate this alleged debt yet have not received any response from them. luckily I sent it via certified mail to have proof they got them! I also called spoke with a representative And recorded the whole conversation.I Was told they would get back to me still no response.Ive been suffering from XXXX because of all the in accuracys they have reported on my credit which has been hindering me for years! Everything About this so called debt is inaccurate egregious and downright unfair all three bureaus have three different dates on last payment they claim to receive from me on a vehicle that reports as charged off but still to this day has gap insurance in my name active! On a vehicle I have no possession of. Might I add The alleged debt they reported closed on XX/XX/XXXX yet they claim to have received A payment XXXX XXXX as last payment received on XXXX yet on XXXX report XX/XX/XXXX of that same year! Which is a lie! This is defamation of character!!! Ive been in XXXX with this company and their lies!! I have so many sleepless nights because of this. Ive become so depressed I feel like this company has made me suffer so much yet hold no accountability nor have they tired to resolve this issues its been years they have been hindering me!. Ive asked for validation of any and every kind yet have received nothing! Im in tearsssss writing this. My last attempt before taking legal actions really. I sent my last letter of request of validation which by certified mail says they received it on XX/XX/XXXX it is now XX/XX/XXXX still nothing with all that is going on in the world right now why do I still have to deal with this
Product: Student loan

As of XXXX my payments counts stop qualifying because a forbearance was placed on my account without my permission. 

I wish to file a complaint with MOHELA XXXX XXXX. I have contacted them multiple times regarding an unrequested forbearance that has halted the increase of my payment counts for public service loan forgiveness. The attached letter does not pertain to me, as I did not initiate this. Kindly remove this forbearance since I did not authorize it through phone, email, or written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter documents XX/XX/2022 to all the credit Bureaus asking them for verification on the debt on my report. They have sent back physical documents stating that all the information on the report is verified and is correct. Unfortunatley my credit report is still showing inaccuratcies with obvious proof through my XXXX profile which I can provide and if I need to fax over or email the physical documents I received from the bureaus about this matter. 


*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: Mortgage

LoanCare is the servicer on my mortgage. I have an escrow and they are responsible for paying my homeowners insurance. LoanCare inexplicably short-payed my premium even though I sent them the paperwork showing the proper amount. I filled out an online form complaining about the issue and requesting LoanCare to make the full payment. LoanCare did not timely respond. I then called to complain and make sure the premium gets timely paid to avoid cancellation. The representative I spoke to said it would be paid right away and not to worry about it. The payment was not timely made. So I had to call my insurance and make the payment myself, but the policy was still cancelled. I'm currently waiting over the weekend with no Homeowners ' Insurance waiting for my policy to be re-instated because my loan servicer forced me to have an escrow account but is not responsible enough to pay my homeowners ' insurance premium.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove immediately..
Product: Debt collection

I have been going back and forth with USAA about this credit card debt since XXXX of XXXX. I originally mailed them documents ( Validation of Debt ) requesting them to provide evidence/proof of the original lawful contract signed in wet ink by both parties, myself and USAA FEDERAL SAVINGS BANK XXXX Up until this point, they have never been able to do this. I have sent many other documents to include an Affidavit of Truth stating violations from USAA FEDERAL SAVINGS BANK, I had submitted a CFPB complaint back in XXXX of XXXX, mailed an Affidavit of Non-compliance, Affidavit of Service, Notice of Fault, and my most recent correspondence was mailing a Notice of Default and Consent to Judgment. All of these documents have been certified mailed and received by USAA FEDERAL SAVINGS BANK and stand unrebutted in law. To date, I have yet to receive any type of proof/evidence of the lawful contract that proves I am obligated to pay the debt associated with this account. In my previous CFPB complaint, USAA FEDERAL SAVINGS BANK stated that verification of debt was sent to you on XX/XX/XXXX. The letter referenced in this statement was simply a copy of an account statement and did not provide/include any sort of LAWFUL contract. USAA FEDERAL SAVINGS BANK also stated within their reply that we confirmed the PII provided on your account application matched your data in consumer and credit databases, account transactions occurred within your geographic location, and regular payments were made from your USAA FSB deposit account. This statement along with the rest of the reply from my original CFPB complaint never stated or confirmed that they were ever able to provide to me the original, lawful contract. A lawful contract consists of 5 things : A valid offer, adequate consideration, valid acceptance, sound mind/Mental clarity, and a Meeting of the Minds along with a wet ink signature. USAA FEDERAL SAVINGS BANK continues to not and has not been able to provide any sort of document, piece of paper, that is inclusive of the 5 parts I just previously listed. A lawful contract does not even exist between USAA FEDERAL SAVINGS BANK and I because they never provided adequate consideration, as they were unable to provide anything of value because they have no lawful money in their bank/on their ledger. There was also no Meeting of the Minds and wet ink signature as I never met with the CEO of USAA FEDERAL SAVINGS BANK and signed an actual piece of paper/contract. Since USAA FEDERAL SAVINGS BANK has been unable to provide the original lawful contract, they are NOT the holder in due course and is not owed anything. 
I continue to dispute this account as well and USAA FEDERAL SAVINGS BANK continues to report the account to the credit bureaus as delinquent
Product: Credit card or prepaid card

XXXX XXXX with XXXX XXXX XXXX did a balance transfer, consolidating our small credit card debt. Goldman Sachs/Apple Card received our check and cashed it but never applied it to our account. I reached out to Goldman Sachs/Apple Card and said they would investigate ; they came back and said they couldnt find the payment and that they were sorry, but nothing more we could do. XXXX then reached out to Goldman Sachs/Apple and sent them the canceled check showing where they cashed our check and applied it to someone elses account, and they are still refuse to admit their error and fix it. XXXX and I have tried to reconcile with them they deny they ever got the payment. XXXX sent them another letter on my behalf trying to reconcile this, and theyve yet to respond, and that was a month ago, we have canceled checks showing they cashed it, and I have the statement we used to send them the payment.
Product: Mortgage

I re-financed my loan last year. I was told my my loan rep, XXXX ( XXXX ) XXXX ( NMLS # XXXX ) at JP Morgan Chase that if I took any cash out for the re-fi I would be subject to a higher interest rate. So we did n't. He also told me the closing costs could be rolled into our loan so there would be no out of pocket for re-financing.
We agreed.
We are trying to get a HELOC ( Home Equity Line of Credit ) now, a year later, because our AC Units went out ... and maybe we want to upgrade our home using the equity.
Today, XXXX/XXXX/17, I am being told by Chase that the State of Texas does NOT allow Line Of Credits if you took cash from your equity when re-financing your home. I thought to myself, NO PROBLEM ... I never took cash out, so we 're good!
Low and behold ... The State of Texas considers your closing costs ( added to the loan ) as taking " cash out of your home equity ''!!!??? Chase NEVER told me this.
I called XXXX XXXX and asked him about this. His response simply was " I did n't know about that at the time, and they never taught us that until recently! '' So now ... he knows, but before.. he did n't.
Do n't get me wrong, ... XXXX was fine/great through the entire loan process, being a loan refi expert and all. But because HE was n't aware of this rule, I was n't made aware of this rule.
And now ... my wife and I are going to be forced to refinance our home at a higher interest rate, lose thousands of dollars with a higher interest rate and closing costs ... or go without AC for the rest of the summer. -Thanks for not being aware of letting us know XXXX !
My question is ... if XXXX XXXX does n't know this simple rule, by the State of Texas ... how can he be allowed to re-finance homes? How can you not let us know if this HUGE reprecusion!?? How?
If I knew about this rule, .. I would have GLADLY paid the closing costs out of pocket. JP Morgan Chase never made me aware of this state rule!
I am very upset, and worried my kids will not be cool enough in this Texas heat ... all because XXXX XXXX " did n't know '' at the time. ( But now he does. ) Unreal ...
Product: Mortgage

Escrow paid {$530.00} on XXXX for earthquake coverage. However, Earthquake coverage premiums are not eligible for payment through escrow in California. Knowing that I had paid for the Earthquake coverage on XXXX. I contacted XXXX 's to refund the duplicate payment made by Shellpoint. XXXX 's can not find the payment and Shellpoint says the check has not been cashed. I asked for a stop payment and Shellpoint stated it was a bulk payment with other Inured payments on the check, not just mine. They could not issue a stop payment. Now my escrow account is overdrawn by the incorrect payment and I will be assessed next year for the shortage when there shouldn't be a shortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

CFPB Complaint against XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX ; XXXX : XX/XX/year>. The CFPB complaint has been filed to request pursuant to FRCA XXXX ( XXXX. XXXX ) that you, XXXX, XXXX, Trans Union XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following accounts need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX, I received a letter from Credit Collection Services of XXXX XXXX XXXX XXXX XXXX XXXX asking for a past due amount of {$98.00} for a XXXX account that is not mine. I sent a detailed letter disputing this along with documentation proving I did not live at the address associated with the account and that this was not my debt. I demanded they stop sending me notifications. 

They never responded but sent an additional notification of this debt dated XX/XX/21. 

I've been in touch with the XXXX department of XXXX which hasn't resolved the issue despite being sent an abundance of information by me including proof of residence at the time this fraud was committed.
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. 

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 XXXXXXXX ( CLOSED ) : 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 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. 1681B ( 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: Mortgage

XX/XX/2021 my XXXX mortgage payment for XXXX was processed ( as shown on my XXXX Bank Statement ) XX/XX/2021 my XXXX payment was processed a second time as an ACH Draft Contacted PHH customer service and told them was being charged 2x for one payment. They insisted they only were paid once. I went to my bank and they reviewed all documentation and agreed that PHH had in fact been paid twice. I told them I had contacted PHH and they stated they only had processed once. 
My bank initiated a credit for my duplicate charge and that was reflected on XX/XX/XXXX. 
XX/XX/XXXX PHH resubmits another charge for the XXXX payment for XXXX. 
XX/XX/XXXX my bank reverses that charge. 
PHH now requesting again XX/XX/XXXX for this payment of XXXX. I sent them all supporting documents on XX/XX/2021 they stated they needed 30-45 days to review. To date no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has yet to respond. 

I do not have a debt or a contract with XXXX XXXX XXXX, and they are reporting inaccurate information on my credit report on TRANSUNION. 
It has been over 30 days without a response. 
This company has been in consistent violation of 15 USC 1692e.

I dont give them permission to report this information and ask for an immediate removal. They have yet to substantiate a proof of method of verification. I spoke with the original creditor in question and they said I don't have a debt with them. 
XXXX XXXX is NOT XXXX XXXX XXXX. 

XXXX XXXX XXXX is not licensed to practice debt collection in the state of Georgia. 
NMLS ID # : XXXX They showed a contract that is not between me and XXXX XXXX XXXX but an entirely different company. 
15 USC 44 I have voice recording from said company that I do not have a debt obligation from an employee named XXXX. 

This is fraudulent and frivolous and should be addressed immediately. 
This company is in violation of 15 U.S. Code 6802 and 6803. I do not give them permission to furnish my personal information or status to non-affiliated entities. I was never given proper notice and have not given written consent to this company. Their mishandling of my information is causing damage and distress to me and my family. 
This account is involved in litigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX action requested ; To have illegal hard inquiries removed
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I ordered a table from XXXX XXXX that was advertised as ready to ship. After XXXX weeks with no shipment, I contacted XXXX XXXX, and they informed me that it would be several months before the table would be available. I decided to cancel my order and notified Affirm, through XXXX XXXX, about the cancellation. Affirm instructed me to wait for XXXX XXXX to process the refund. 

At the end of XXXX, I received an email from XXXX XXXX confirming the cancellation and stating that I would be refunded within 10 business days. However, the refund did not arrive. I then opened a dispute on the XXXX XXXX app, but continued to receive non-payment notifications. When I called Affirm, they suggested opening a dispute but consistently failed to follow through. Despite my efforts to resolve the issue, including forwarding over 15 emails from XXXX XXXX, Affirm claimed they did not receive these emails and suggested I reach out to XXXX XXXX directly. 

Throughout this process, I was advised to continue making payments to avoid affecting my credit score. However, despite my clear communication that I wanted to resolve the issue and avoid credit damage, Affirm did not formally open a dispute. Consequently, they reported the issue to the credit bureaus, which severely impacted my credit score. 

This unresolved situation has placed an undue financial burden on me, hindering my ability to secure a mortgage at a reasonable rate. After exhausting all efforts to resolve the matter, I eventually paid the total amount. I have since filed a complaint with the Ohio Attorney Generals office, yet I have still not received a refund from either XXXX XXXX or Affirm, and the issue remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX  XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  XXXX, Account name : 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 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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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: Debt collection

The collection Company Resident Collect Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, Phone XXXX has falsely reported a back rent debt in the amount of {$6700.00} on behalf of my old residential management company XXXX XXXX. I had been a resident for 4 years at XXXX XXXX XXXX without any problems. Due to a job loss, I spoke with my property manager XXXX XXXX about about not being able to afford the cost of continued residency. He assisted me in ending the lease by setting up an intent to vacate agreement. with the agreement my manager stated that, " As long as you vacate the residence by XXXX/XXXX/XXXX, I will have plenty of time to re-rent the apartment. In the event that I do not rent it, you will only be responsible for the amount of time that the apartment was vacant until re-rented. '' I did vacate the premises in accordance with the agreement. On or about XXXX XXXX, I returned to my former residence to pay off the final balance of my water usage fee and check with the Property Manager about the status of re-renting my former apartment unit. To my astonishment, My Manager no longer worked there, and the property was taken over by a new management company named " XXXX XXXX XXXX '' as of XXXX XXXX, XXXX. I asked the new management team about the status of my former apartment. As far as they were concerned, I was told that the apartment was in good condition, and I owe them nothing. I fairness to myself and the former XXXX XXXX management company, I feel that my balance should amount to the number of days that I left the premise, combined with the amount of days up until they owned the property, which was XXXX XXXX, XXXX. My rent was paid for the entire month of XXXX even though I vacated the premise on the XXXX.
Product: Credit reporting or other personal consumer reports

I account showed up on on my credit a couple months ago after trying to build my credit. I have no idea where its from.