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

I am a victim of identity theft, Transunion Consumer Dispute Center is committing fraud and breaking the law. The U.S. Bankruptcy Courts have confirmed that they do not report any information to credit reporting agencies.According to the Fair Credit Reporting Act, you are required to ensure the accuracy of the information you report. This inaccurate entry violates several provisions of the FCRA : 15 USC 1681a ( e ) : Definitions ; rules of construction.

15 USC 1681b ( a ) ( 2 ) : Conditions for furnishing and using consumer reports without my consent.

Per 15 USC 1681c ( a ) : Information excluded from consumer reports, specifically bankruptcy information. 

It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
Product: Credit reporting or other personal consumer reports

These companies are in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) 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 information is inaccurate. XXXX XXXX Acct # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX Acct # XXXX Dates : XX/XX/XXXX These companies are also in clear violation of another law. Under 15 U.S. Code 1666b ( a ) - Timing of payments. THE LAW CLEARLY STATES : a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any information under section 1637 ( b ) sent to me certified mail within 21 days before the payment due date which puts this company in violation of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried time and time again to have incorrect names and addresess removed off of my Experian and XXXX and XXXX reports to no avail. The credit bureaus continuously violate my rights under the consumer protections laws. I would like for these errors to be corrected.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had derogatory remarks over 20 potentially negative months ( collections/ charge offs ). The consumer reporting agencies need to report all information with complete accuracy. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements for this account. 


If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Student loan

Hi, my name is XXXX XXXX and I have a loan with Sallie Mae. Their workers have been calling my family and me more than two times a day. I have called them and requested that they stop the calls but they said the calls will not stop until a payment is made ( which is currently happening ). In the meantime these calls have been annoying and persistent.
Product: Money transfer, virtual currency, or money service

Account restricted with no explanation XX/XX/year>, then notice of account closure XX/XX/year>. No further explanation or corrective action, or direct communication.
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # XXXX
Product: Mortgage

On XX/XX/XXXX, I went into bankruptcy. On XX/XX/XXXX, I completed the bankruptcy, paying around {$68000.00}. XXXX, had the mortgage but transfer within the month to XXXX XXXX XXXX. About XXXX months before completing the bankruptcy XXXX, transfer the note to Nationstar XXXX. And as soon as I completed the bankruptcy, Nationstar XXXX, stop cashing my monthly check payments.My checks were being sent to the law firm that had represented me. No reason was ever given as to why they had done. Then I started to receive advertisements from law firms that wanted to represent me because my property was being foreclose. When my lawyer had file the bankruptcy he included a provision that the loan was to set to a Fix loan, payment set at {$350.00}, this plan was sign by A JUDGE, Chapter XXXX TRUSTEE, MY Attorney and ME. No members of the BANKS, showed up. Now I am being told that the judge should not have sing this order. At this point I do n't know who is responsible.
Product: Credit card

Trying to get a refund for the purchases made on my card as my card was never in my possession and they are telling me because Ive looked at my app before calling for fraud is why they wont refund me but Ive expressed to them my access to the app hasnt worked so it wasnt possible for me to be looking at the app, Ive noticed the charges by the statement in mail, charges are XXXX
Product: Debt collection

XXXX XXXX  claims the internet equipment was never returned to them after the service was canceled in XX/XX/XXXX. Any notice was not received prior to opening a collections account for {$110.00}. I was notified of the miscommunication when it was reported to the XXXX and other credit bureaus in late XXXX. 
It was instantly disputed with XXXX with photo evidence of the XXXX receipt. It was overturned and removed from my XXXX credit report. Unfortunately, I did not dispute with XXXX and XXXX at the time since I dont regularly check those credit reports. 
I no longer have the receipt from XXXX but XXXX has documentation archived from the dispute per a conversation with XXXX customer service on XXXX  XX/XX/XXXX.
Product: Mortgage

On XX/XX/2022, LoanCare, XXXX XXXX XXXX made me aware that my loan modification/loss mitigation package was incomplete vial postal mail. I turned in XXXX new modification packages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022, to attempt to correct this issue. ( I have certified mail receipt numbers as evidence of these XXXX loss mitigation packages ). I kept sending new loss mitigation packages because they would not respond to me to let me know if it was incomplete, approved, or denied. Instead, I received their lawsuit XX/XX/2022, against me. 

The evidence attached is ALL the postal correspondence I have had with LoanCare and XXXX XXXX ; None of these correspondences was replied to including the Loan Modification Applications/ Loss Mitigation packages sent on XX/XX/XXXX and XX/XX/XXXX. 

( The other correspondence included is a part of a separate complaint, in which the mortgage company and the representing attorney have not responded to requests for loan information that should be provided according to TILA, RESPA and FDCPA statues. )
Product: Mortgage

We went through HAMP with XXXX XXXX XXXX in 2010. PMI premiums were instated on our mortgage that is approximately 58 % of our home mortage price and value. I have tried repeatedly to find out why we are being charged such an exhorbinate amount of money monthly for an insurance premium. We have been paying this for the past 10 years to the tune of XXXX. It is a tremendous burden to make this gouging payment. I believe that XXXX XXXX XXXX made an error when the modification was processed and instead of listing the private mortgage insurance premium annually for {$630.00} they inserted the premium to be paid monthly at {$630.00}.
Product: Credit reporting or other personal consumer reports

The below are all accounts that were compromised by scammers and hackers attempting to steal my identy. This IDENTITY THEFT, caused my LATE PAYMENTS. For the months and accounts listed below. Therefore, this directly is a violation of FCRA 605b.. This is not a *DISPUTE. Per 1681c-2, this inaccurate reporting. A clear violation of my consumer rights which now allows me to take civil action against this compay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of XXXX I was a victim of fraud due to my apartment complex managers email getting hacked. This happen at the beginning of covid I received an email from apartment mangers email stating due to COVID and California being on shutdown all rent payments where to be sent to wiring information that was sent in email with XXXX XXXX XXXX letter head attached. I made rent payments to the wire information. I later found a month later that it was a scam. I tried reporting issue to my bank they said they were unable to recover funds due to it being a wire. I have been in a debt with property management company for a few years now. Debt was in collections I filled dispute and it was removed. Now they have sold debt to new collection agency which whom I have never done business with and they are charging me interest on top of the balance.
Product: Credit reporting or other personal consumer reports

I called XXXX  and tried to make a full payment and the lady refused to take my payment over the phone, I told her I couldn't log in online, she said wait 24 hrs and try again to change the phone number for the XXXX factor authentication, so, I wait, and tried and the same old phone was still on there. I go to work then look at my score and it has a late payment other from XXXX. I called them agin XXXX times and paid the bill in full, they suddenly would take my payment over the phone, I talked to the supervisor XXXX and he assured me the late payment would be taken off the next day on XX/XX/year>, they never did it the first call. Second call was to get an e-mail stating that the account is paid off, and to ask about the late mark removal. No e-mail. Third time trying to get the e-mail, and late mark off said they sent it will send again, and contact the reporting agency to remove the negative remark,. No e-mail, no removal. I've done everything on my end they will not do what they say.
Product: Checking or savings account

There are unauthorized charges to my debit card in excess of {$300.00} posted on XXXX/XXXX/2017. I went through all the proper channels to resolve this dispute as it is Bank of America 's statement that a customer is never responsible for unauthorized charges made to their bank card. My claim was denied THREE times. They sped through a myriad of reasons on why they denied my claim that are all based on speculative " evidence. '' I felt like I was being treated like a criminal when I 'm the victim of fraud. One reason for denial was that the signature was similar to the one signed on the fraudulent purchase. The only problem is that on the back of all their cards, it clearly states that the card is not valid or authorized until signed. As a result, ANYBODY can glance at the back and forge a signature so that evidence just throws itself out the window. Another reason for denial was that I did n't report it in a speedy manner. This one makes me cringe. As per Bank of America 's directions, they advise to wait till the bogus transaction posts, contact the company FIRST AND THEN contact the bank if there is no resolution ; I did just that in a timely fashion. So again, this denial reason is ludicrous. This joke of an investigation is criminal and so are the practices of this bank. They have denied my claims before and are rarely, if ever, on my side. But this time, I 've had enough being stepped on and bullied. The so-called investigators have Bank of America 's interest in mind and are n't concerned to whether or not there is actual PROOF, their job is to deny claims and save and generate money for the bank in a bureaucratic fashion. This is a conflict of interest. The letter that this bank has send me with their " proof '' is all speculative. And speculation never trumps real evidence. I BEGGED for video or photo evidence and was told they do n't do that. We are talking about a stadium that holds over 55,000 people and there is n't one camera around? So anybody can abuse my card, forge my signature and I have to pay for it? If I ca n't trust my bank to back me up, then who will? This is truly disturbing. I need help to rectify this situation please. No one can or wants to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXXPayment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Charge account Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times 30/60/90 days late 0/0/0 Closed -XXXX. XXXX, XXXX Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy  Responsibility Individual Asset Amount XXXX
Product: Debt collection

On XX/XX/2021 I called and spoke to a representative at Account Control Technology to settle an account that I had with them. Upon coming up with an agreement we settled the account for the amount of {$2000.00}. After doing so I had requested a settlement letter and was assured that I will receive one in 5-7 business days. It is now XXXX and I have yet to receive the letter ; it is affecting my credit and approval for a mortgage loan. Once again, on XX/XX/2021, I had called Account Control Technology to explain that I have never received the settlement letter. I was referred to XXXX XXXX, the school that I had previously attended, and told that it was the school 's problem, not theirs. After that conversation, I had contacted the school immediately after to which they said they could not provide the letter since the account was paid to the collection agency, not them ; which I had already known but wanted to get that confirmation from XXXX. I had called Account Control Technology a third time on XX/XX/2021, and spoke to a representative by the name of XXXX XXXX and then a man who claimed to be the supervisor by the name of XXXX XXXX ( he did not want to disclose his last name when I asked for it ). I had told them what was explained to me by XXXX and they continued to say " the company can not provide a letter stating a settlement '' and that it was " out of their hands. '' They continued to refer me to XXXX to solve the problem, which is not possible considering the amount that I had paid was to the collection agency and not the school itself. This account is still showing up on my credit report and has not been removed, despite the account being settled.
Product: Debt collection

XXXX XXXX / XXXX / {$11000.00} XXXX XXXX XXXX XXXX / {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint that contains these disputed items : XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 Please remove the listed items for they are mistakenly placed on my credit report
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These are all collections Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized any of these creditors to pull my credit report. I respectfully ask that all unauthorized inquiries be Deleted immediately from all three credit reporting bureaus upon investigating each unauthorized inquiry. 
XXXX Complete Department Stores XX/XX/XXXX XXXX XXXX General Clothing Store XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX/XXXX  XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX This is in reference to this complaint number. 
Cash app should also research to make sure where my money went and if they use the correct debit card number not just the last four digits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX DOB : XX/XX/XXXX Social Security Number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Your agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following account does not belong to me : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$420.00} I did not open this account and this account does not belong to me. This collection is inaccurate, please delete from my credit report. 

In lieu of the Fair Credit Reporting Act which states, Whenever a consumer reportin agency prepares a consumer report, it shall follow REASONABLE procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681e ( b ) ) These are compliance procedures that you MUST adhere to. You have failed to do so. My credit report is required by federal law to be 100 % accurate and 100 % VERIFIABLE. I am requesting that this account be re-investigated and VERIFIED through physical proof in the form of the original creditor contract with my bearing signature as well as an explanation of the verification method used to make your final determination. I am afforded this right through FCRA Section 611. Additionally, please investigate each and every notation on these accounts. If you are unable to verify these accounts and their accuracy, with physical proof ( the original contract ), or any other proof, in the form of physical documentation, these accounts must be DELETED in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ).

I am also requesting a description of the procedure that was used to determine the accuracy and completeness of this information. Please also forward this information, with the verifiable proof of these alleged accounts belonging to me to the address listed on this letter. You have 30 days to complete this re-investigation. I am confident that you will find this account was ilegally furnished onto the wrong credit report. PLEASE DELETE AS SOON AS POSSIBLE. I am confident your agency will practice integrity and delete this account swiftly to avoid further escalation and invoicing for each violation in the amount of {$1000.00} USD per violation, as well as, invoicing for defamation of character and willful non-compliance. 

Please send an updated copy of my credit report showing these changes to the address listed on the header of this letter. 

I appreciate your due-diligence in resolving this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( I have not used a signature to avoid forgery in the investigation process ) I have enclosed documents that verify my identity : Identification Social Security Card Utility Bill
Product: Mortgage

I received a letter saying my house was going into forclosure even though im up to date with payments.they say when I received a loan modification years ago I missed a payment.i did n't even have this company back then, my loan was sold to them months ago, and its been a nightmare since the beginning.they keep losing my payments or put it in unapplied funds.what can I do?