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

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove personal information and Inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiry not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

I originally opened a credit account with XXXX XXXX XXXX. During that time, I made regularly scheduled payments with automatic bill pay for this account. My payment history was exceptional, so I received a credit increase. However, the account was closed shortly after I made a full payment on the balance. The only remnants of an account is this collection placed by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Transunion for months trying to get the correct information on my credit and get the inaccuracy off. Transunion has violated so government laws according to the FCRA. I dont know if the agents over the phone are not reading the rights but I have got hung up on multiple times just for asking can you send documents verifying these inquiries. I even asked a lady over the phone for Transunion can she give me documents pertaining the information on my credit report. Blantly she told it couldnt be verified through them. Well thats a violation and anything that cant be verified is subject to removal. Im very respectful when it comes to things like this but my experian has 4 inquiries and Transunion has 53 and they are telling that its just not reporting to the same agency. Like come on Transunion yall have been rude and are not expecting me to exercise my rights when their is an error or even fraud into play. But honestly Im looking at sueing Transunion rather than stress myself out for them to delete 53 inquiries that arent mine. XXXX my credit score is a XXXX and Transunion is a XXXX. I cant get half the stuff I need credit wise because of transunion. So many rights to FCRA have been violated, Ive spent over $ XXXX {$1000.00} just send letters to transunion just for them to say they cant verify the inquiries and that They still arent removing them even if they see they are inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681 - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX v. Equifax information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting XXXX for the purpose of filing a complaint to the XXXX the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX ), they may be liable for false reporting. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I will be filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. I have requested that you provide proof of the alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX regarding the inaccuracy being reported under my XXXX XXXX account. What doesn't make sense is that IF the data furnisher is reporting this accurately for TransUnion and XXXX, why isn't is being reported accurately for XXXX. Also, after providing proof, XXXX still hasn't done anything about it as per their obligation. The payment status is WRONG. The status should be Current as it was not late when the account was closed. 

Also, TransUnion has not addressed my complaint regarding my XXXX XXXX XXXX XXXX XXXX XXXX. I challenged the account and XXXX and XXXX   removed it, but TransUnion did not. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by the same data furnisher?
Product: Mortgage

I began a mortgage application approximately XX/XX/2020. 
I submitted all paper work approximately XX/XX/XXXX. Over the next few weeks I had phone calls and emails with my loan officer saying my documents were all good and my loan was going through the system. We had a conversation that my rate was locked, my loan was in underwriting. All was good. THEN, XXXX XXXX contacted me XX/XX/XXXX ( SHOULD be closing any day ) and said he was ready to " start " my loan application saying I had not previously actually done an application and if all goes we could possibly close in 30 to 45 days. I of course panicked at the thought of being homeless. What would I do? 
I got the money to complete the purchase from my XXXX and the sell of then current home. Repairs and upgrades needed in the new home would not be done. I have a leaking basement, badly need insulation in the floors as well as incomplete floors. I'm afraid if I can't finish the flooring it will damage what work we have done. 
I have over an 800 credit score, and my debt ratio is well within the means of the loan I was obtaining NMLS # XXXX XXXX XXXX has impacted me negatively
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that 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 NoXX/XX/XXXX ) 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. These are the accounts that are inaccurate : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they're hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be updated ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I made a payment on my credit card on XX/XX/year> and the credit card company reports to the XXXX credit reporting agencies on the XXXX of every month and it is now XX/XX/year> and my credit report is still showing payments and balance from XX/XX/year>
Product: Mortgage

I obtained an FHA loan in XXXX. My LTV reached 78 % in XXXX of XXXX. According to the homeowners protection act, my PMI was supposed to be automatically removed. My current LTV is 70.6 %. I have paid PMI for 47 months after it was supposed to be automatically removed, and as such I am owed thousands of dollars by my Mortgage Company Penny Mac USA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inquiry from my credit report as I am a victim of a data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following unauthorized inquiry : Unauthorized Inquiry to be Deleted : XXXX XXXX Date : XX/XX/year>
Product: Student loan

In XXXX, following my last complaint on XX/XX/XXXX, I called in to figure out what in the world is going on with my loans. Between all the news regarding the SAVE plan, the issues regarding payment pauses, I wasn't sure whether my XXXX payment would be correct. 
The initial customer service provider told me he couldn't help me and transferred me to a specialist. The specialist indicated that yes, I could transfer back to my IDR plan, with a recertification date of XX/XX/XXXX, that the " administrative forbearance '' I had requested would count towards my PLSF, and asked if I wanted to request a forbearance while the IDR plan was placed back on. I said yes. I was happy with the result. 

Meanwhile, she didn't do what she said. The account was not switched. The auto-debit took out the incorrect amount in XXXX, and over drafted my bank account. 

I just called today and the lady I spoke with, while cordial, tried to help me, but couldn't. The money was " poof '' gone. Nothing they could do about the fact that I relied upon the " specialist 's '' statements that the IDR plan was going to be back on and there would be a processing forbearance while they figured it out. The same thing happened - she put me on a processing forbearance while they figured it out. She indicated she couldn't put it in writing. I requested a recording of the prior interaction. I requested a recording of today 's interaction. She said they can't give those out so I asked to speak with a supervisor. 

This feels crazy- repeating the same thing over and over again with the same result. Still not sure what is going on. 

I feel taken advantage of by these folks. I want a new loan servicer that can deal with my account professionally. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/22 i applied for financing for a bed through a XXXX location which cross checked my credit score with transunion who reported my score as XXXX the day before. At the time of the inquiry they reported the score as XXXX failing me and negatively impacting my score wrongly. I contacted them directly with the account number they provided and documents which they returned to me with a different number and a misspelling of my name which i further reported to them which was disregarded. After this is hard inquiry info was left on my report but all information regarding this afterwards was reported with the new account number and the coorect spelling of my name which either was done to cover an error or due to human error.
Product: Student loan

I had resubmitted my income based repayment through the XXXX XXXX XXXX XXXX as I do for both of my loans and for my XXXX. XXXX of my loans through XXXX went through fine and my XXXX XXXX was fine, but Nelnet was unable to process the payment plan for some reason. I contacted the company and was told that they had issues receiving the documents. I offered to send over my full tax documents which I did on XX/XX/2022. I was told that the documents didn't have decimal points and clarified with my XXXX XXXX that they DON'T have decimal points on the documents. I resubmitted my income based repayment plan on XX/XX/XXXX and received a confirmation that it was received. I was then charged another {$300.00} in XXXX, XXXX, and XXXX while I tried to get ahold of the company and resolve the issue. I finally resubmitted another income based repayment in XXXX and again didn't get put on the plan through Nelnet. My last attempt was at the end of XXXX. They just hit me again for another {$300.00} payment as of XX/XX/XXXX. I contacted the company again and they were able to take me off the automatic payments, but weren't able to provide me any information about why my lengthy attempts to get put on the plan were denied. Since XXXX they have charged me {$1200.00} instead of the approximately {$200.00} that should have been charged my account. I have yet to speak to a manager because I have been told that XXXX is unavailable. I would like to have my money refunded and re-charged at the correct rate as well the ability to transfer my loan to another company without a penalty.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had hard inquiries pulled from my credit that I have not authorized or approved of. I believe my ex husband is using my account or somehow having it pulled from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a previous complaint number XXXX, XX/XX/20. I received a letter from Tran Union on XX/XX/20, it was a form letter with their " canned answers '' as to their actions taken. Which did not correct my 3 agency credit report. It was their dispute file # XXXX. 
The balance due shown on my three ( 3 ) credit agency report still shows a installment balance due to XXXX of {$16000.00} and monthly payments of {$570.00}. On the Trans Union report if I just look at their one report ( not the 3 agency report ) it shows the Installment loan XXXX XXXX balance XXXX which is correct. Obviously what they can not understand is it is the information on 3 agency report which does not show the installment balance at XXXX. 
This not rocket science, a XXXX year old could understand the problem. I think someone in authority at Trans Union should call me XXXX or email me XXXX to discuss the problem if they can NOT understand. 
I have copies of all of this off Trans Union website however, I can not get it up loaded to my dispute ... they make this very difficult plus when I tried to call I was ON HOLD again for more than 1 hour with no answer ... so I had to hand up. This is totally ridiculous. Please advise what my next step would be to get TransUnion to Correct my report, Can I sue them? 
Thanks, XXXX XXXX
Product: Credit card or prepaid card

I have no recollection of ever opening one of these accounts. Theres a {$5.00} balance that has hurt my credit and this account isnt approved
Product: Checking or savings account

Hello I opened a business checking account with US Bank on XX/XX/XXXX using online link on their site. Account opening bonus was {$500.00} on meeting eligibility criteria and using code " XXXX '' while opening account. I met the eligibility criteria well before the allowed time. They were supposed to deposit the bonus within 30 days but it's been 2 months and I haven't got any bonus yet I followed up with the US Bank and after a month delay they denied me the bonus saying I don't qualify which is completely false as per terms of the offer ( attached as part of my complaint ). This is very misleading and false behavior and feeling a victim of bad management at US Bank I would like to request you to help me in reaching out the bank and have the bonus credited. Thanks
Product: Mortgage

Our forbearance plan is ending XX/XX/01 and we just received a letter saying that we got denied of any payment plan but to pay the $ XXXX in 2 weeks or short sale or deed in lieu were the only options given to us. I called them twice ( Specialized Loan Servicing ) asking for help but they said those were the only approved options. How is that possible? How can someone whos struggling to begin with pay all this at once? We need assistance in every possible way we can get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times calling and mailing XXXX, exeperian and XXXX asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.
Product: Mortgage

XX/XX/2008 XXXX XXXX supposedly signed on behalf of Option one as assignee but it appears that this alleged assignment has been deliberately altered to redact the name of the person who supposedly executed the assignment on behalf of option one it was placed in a PSA and never make the cut off dates XXXX XXXX claims I owe XXXX XXXX From a refinance of XXXX Qwr was sent out to explain issues I never got a reply from them ahm are ocwen
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account BARCLAYS BANK DELAWA Date opened XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK DELAWA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

The accounts in the FTC report are fraudulent. I do not have any knowledge of these accounts.