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

I paid off the remaining balance on four Federal Stafford student loan accounts XX/XX/XXXX ( due the XXXX of every month ) during the covid pandemic. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX because Transunion reported my 4 student loan tradelines as 60 days Past Due Date/Maximum Delinquency of 60 days as of XX/XX/XXXX, however, the negative information in the summary details contradicts the information provided by the TransUnion Tradeline Payment History chart where all sections or months are recorded as OK or CURRENT. My loan was under a federal IDR plan, and if I were late, I was eligible for relief under the COVID 19 Rescue Plan. 
XXXX XXXX XXXX I also possess the loan payment details from the loan servicer 's online site indicating I was 0 days delinquent on all 4 of my student loan accounts. Currently, I am unable to secure credit, a lower interest rate, additional lines of credit, a mortgage, or an auto loan. On XX/XX/XXXX, I was denied a loan from XXXX XXXX with whom I previously had a line of credit that I paid off in XX/XX/XXXX. The negative information according to TransUnion will not be removed or dropped from my credit file until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is continued from case XXXX. I noticed the screenshot didn't add showing the unvalidated account XXXX was removed from XXXX and different balance from Transunion and XXXX.The account is NOT verified how can they continue to do this? FCRA requires the unverified item to be removed. XXXX was unable to verify Transunion and XXXX unable to verify and reporting two different balances. The company is attempting to re-age the debt by changing balances.. I will update screenshot showing balance from my credit monitoring app. Below is a complaint from XXXX My recent CFPB case was XXXX. It was closed without Transunion abiding by the The Federal Fair Debt Collection Practices Act. I have sent several requests by regular mail and certified mail and submitted the CFPB complaint.There aren't any receipts for regular mail I will attach the receipts for mail sent certified.I will attach last letter sent to Transunion. Transunion has STILL failed to provide me information I requested they used to validate this alleged debt.Before I submitted the last CFPB request they responded in another language. They did not respond at all from the CFPB complaint by mail.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in XXXX only. Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX. This account should be deleted they have NOT validated this account. Simply stating verified is NOT validation. How is it they are validating this account and XXXX could not? I attached the same documents to show Transunion previously sent me a response in a language I don't understand.This was a stall attempt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Professional Collection Account Number # XXXX This CFPB Complaint is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : and FCRA violation Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus, causing damage to my character. This CFPB compliant will again request that you follow the FDCPA and please provide the following : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' Legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this compliant. Should you ignore my request for validation of debt I reserve the right to sue you company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted Kind Regards, XXXX XXXX XXXX
Product: Student loan

Payment application practices are predatory. I graduated in XXXX, and entered graduated repayment. The original servicer was XXXX XXXX. I always rounded up my payment, and had the additional applied toward principle - this was automatically available, and a permanent choice I had made. On my ~ {$250.00} payment, I would over pay $ XXXX {$20.00}, providing funds for students through my repayment. My loans were sold to/split off with Navient, and I am wholly unhappy with their predatory schemes. I am unable to make a permanent choice that all overpayments are applied to principle ; instead any overpayment is immediately applied to future payment. This was resulting in what initially was only $ XXXX $ XXXX/mo of  additional interest, but over the life of a loan this could easily be in the $ 1000s. This guarantees difficulty in getting control over my loans, takes advantage of ALL customers. Additionally, Navient makes it difficult to apply any amount extra towards the principle, access any additional account information, and misleadingly advertises 'income based repayments '. I had entered into income based repayment for 3 years, and was luck to return to an extended repayment plan - I exited when my standard repayment was LESS than the income based and interest would no longer be capitalized. Additionally, while in income based repayment, one can not pay additional on principle OR capitalized interest. This is extremely detrimental to the consumer - if a consumer, on limited income, has the ability to pay down capitalized interest and start to get payments under control this would be beneficial. Instead, consumers in repayment are tethered to their repayment amount - over payment is applied to future payments ( again ), and any overpayment can/will kick you out of the payment plan, and demand capitalized interest all due within 3 months. NO STUDENT LOAN CUSTOMER CAN AFFORD THAT.
Product: Debt collection

I am a victim of identity theft. I recently pulled my credit and noticed inaccuracies I reached out the credit companies and bureaus. The companies removed the fraudulent accounts from my report with no issues all except one bureau that was XXXX  they kept an account from XXXX XXXX  XXXX and TD target none of these accounts were authorized to be opened by me or anyone associated with me on my behalf.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XX/XX/XXXX XXXX - XXXX - {$210.00}XX/XX/XXXXXXXX - XXXX - {$200.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

This is a new complaint that was not resolved or addressed on XXXX On XX/XX/XXXX, StateFarm bank withdrew my mortgage payment in the amount of {$1200.00} and on XX/XX/XXXX StateFarm says it gave me back the money back due to insufficient funds. If there was insufficient funds, the payment wouldn't have taken 30 days to fail. You can see by the bank statements that I am providing that the XXXX payment came out, but was never given back. I informed StateFarm of the error and opened a case. I even provided them with all documentation requested including a track and trace from my bank. I did make a payment on XX/XX/2021 ( to cover XXXX ) and another one on XX/XX/2021 ( for XXXX ) just to make sure I didn't get negatively impacted during my open case. The XX/XX/2021 payment was not accepted b/c of the mortgage servicing transfer to XXXX. I was not notified about the payment not being accepted ( I did receive a confirmation from StateFarm for this payment ) until the transfer. 


Also, I have been impacted on my credit report for a 30 day late XXXX Mortgage payment. This is not true b/c I made 2 payments in XXXX in order to not become delinquent during the claim I had in process with StateFarm bank. I would like to have this removed from my credit report.
Product: Debt collection

To whom it may concern I write to you this letter in hope to receive mercy with the situation we are in. I've been a XXXX XXXX owner since XXXX. We specialize in XXXX XXXX and XXXX  of XXXX XXXX. We are a XXXX XXXX XXXX  and we take responsibility and pride for the work we do and how we treat our clients and business partners. 
In the year XXXX  we made a wrong move by using our home equity funds to attempt to save the XXXX XXXX that was suffering from lack of finance, directly associated with the economic crash. 
We were trying to stay afloat and borrowed for business expenses associated with investments that eventually were all lost due to the market crash and recession that followed. 
Unfortunately my properties were lost to short sales and in regards to the equity line that was used for them, I was qualified for Obamas loan forgiveness and as a result my equity loan with XXXX XXXX Bank account # XXXX was charged off in XXXX of XXXX  The times were extremely hard, everything we worked so hard for was gone. We were struggling to survive day by day, devastated to be left with very little workflow and lots of bills. At that time my sister-in-laws family with their three children moved in with us for nearly three years, we were supporting each other in the devastating times for our businesses. 
I was under the impression that the second loan was dismissed along with short sales and other losses we suffered. I was advised by the firm that was helping us through the crisis, that the government had a rescue plan for the XXXX  crash, and we qualified for the benefit. 
For the next 13 years I believed in good faith that it was exactly that, I didnt see the loan any longer in my credit report, believing that in fact it was charged off. 
Recently, I received communication from Trinity, Financial Services with an account # XXXX, After reaching out for advice to my financial consultant and Trinity associate, I came to a realization that the loan hasnt vanished, but instead, it has doubled in the amount and that now Im at risk to lose my home. Im investigating to see what happened and why the loan we were told got dismissed in reality is still pending. As I am searching for answers and trying to retain my home, Trinity is not accepting my offer to remove the lien of my property. Instead, they are asking for unmanageable amount as down payment and repayment of the loan that was charged of by government assistance in XXXX. 
As of today, the mortgage payment I have is already above 50 % of our family income and in good faith I will not be able to pull another loan. 
Im investigating the cause of failed loan forbearance, and unfortunately not getting anywhere. Please help me to figure out the best option to save my home.

Im considering filing for bankruptcy at this time.

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX reported the account to the credit bureau and provided the same information to me but for some reason the credit reporting agencies have all changed the information to report negatively on my report showing a XXXX balance of the $ XXXX when in fact the transfered amount was $ XXXX not $ XXXX. I have tried calling and am not getting a response for it to be corrected. They have also changed my information so that I can not log into my online account to file a dispute therefore denying me access to my credit report that is permitted by law of which is a violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

Have put XXXX on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for years Consent to publish the description of what happened? Consent not provided Supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I resolved the problem after 6 months, I sent to them more than 250 pages of proof that we didn't make the purchase when we show one thing, they said another, and all the time they change the causes of the withdrawal, after 6 months, I, tired, to discuss and fight with them, I said that I will let the case with FDIC and the Consumer Financial Protection Bureau, and as by charm, the money in the next morning was in my account {$2900.00}, much money, and to prevent that this can happen to another person I am sending the happened to FDIC and CFPB. 66 pages from 250 pages.
Product: Mortgage

I applied for a refinance through Amerisave and was told I was approved pending an appraisal, I signed all the proper documents and every time a new document was requested I made sure to send it to them. They changed the documents a few times, I reviewed them and resigned as needed. For two months they lead me on telling me repeatedly that I was qualified for the loan only to turn around after I putting money into it and told me I wasn't qualified and they were closing my file. I am out the money and lack trust in them now.
Product: Credit reporting or other personal consumer reports

i am writing to delete the following information from my le. the items I deleted are listed in the report i am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray commission identity theft, adavit, please delete this items as soon as possible
Product: Student loan

I have a Student Loan in place and at the time I left XXXX XXXX University, I received a notification from FedLoan servicng, that I needed to start paying my student loan back. This notification came to my permanent home address at XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX, which FedLOan serving had on file approximately 90-120 days after leaving school. 

This was the first notification I received from FedLoan that my account was now due and I needed to set up payment. I immediately responded and made payment arrangements. 
I noticed that they had reported to the Credit Agencies that I was 90 days late. When I called FedLoan Servicing to inquire about the 90 days late, and I had just received my payment notification by mail, they told me that the initial notice of payment went to my XXXX XXXX  University student email, even though they had my permanent mailing address. I of course no longer had access to my student email as I was out of school and so did not receive a notice to begin paying loan. 
I told them for something this important, the first payment due notice should have been mailed to my home address, just as the 90 day notice was. Fedloan acknowledged that they did not send me a bill to my home address. I asked that becasue I never received a bill, I should not have been reported to the credit bureau as delinquent and asked that they remove or correct this with the credit agencies. They told me they do n't do that and I should have known it was due. 
I sent a letter with the same request and also contacted and challenged all 3 credit agencies that I never received an initial bill until 90 days past due. They sent letters to Fedloan but I am sure Fedloan responded that they emailed me. Therefore the 90 day delinquent is on my credit reports and damaging my credit and costing me money in higher interest rates. 
Summary : Since I did not receive an initial bill in the mail, which Fedloan had and chose not to use, I need the 90 day delinquency on all 3 loans taken off my 3 credit reports. It shows as three loans as disbursement was by semester, when it is actually one student loan. I have in fact, already paid about {$7000.00} back already and will pay the loan off. It is not reasonable or right to consider the loan 90 days old when initial repayment due was not sent to me.
Product: Credit reporting

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX - XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX - XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the XXXX XXXX and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time