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

I submitted a letter to the 3 Credit Bureaus to fix this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> : Called Credit Fresh to express that I needed lower payments due to the XXXX and being a resident of XXXX  on XXXX XXXX XXXX also sent an email with active duty orders. 

I was told to upload documents to the e portal and I did. 

No SCRA was ever applied to the account.
Product: Credit reporting

On XXXX XXXX, I logged into my XXXX account to check my credit score which I do weekly and it reflected that TransUnion had removed XXXX inquiries from my credit report. It ultimately made my credit score go up. Now on XXXX XXXX, I went back to check my credit score because I had paid some credit cards down I knew my credit score would be going up but to my surprise my score had dropped XXXX points because those same XXXX inquires that were once removed were now back on my credit report. I do n't know if it is the error of TransUnion or XXXX XXXX but it made my score drastically go down. I am trying to purchase a home and now this is he derive me from doing so and I 'm just trying to understand why they were removed just to be put back and then affected my score.
Product: Credit reporting or other personal consumer reports

The medical bill for XXXX XXXX XXXX. 

I never recieved any bills for the hospital I was on XXXX then I assumed it was taken care of. But then I got the collection letter, so I went to the hospital and in there system it shows no bill was generated in the notes so I never got a bill at all. 

How was i supposed to pay this if I never knew I owed anything.
Product: Credit reporting or other personal consumer reports

I am eagerly anticipating 15 days from now that I will receiving a good deletion results that all these items listed here under Experian were already removed. Though for reassurance I want to reiterate that, per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX. And also FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Again, here is the list of items which do not belong to me or were opened without my consent that were urgently needed for removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed by from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is infuriating! Despite the mane dispute letters and CFPB complaints I have been submitting, the XXXX and Equifax Credit Bureaus have been doing nothing! I have been requesting that the Credit Reporting Agencies stop their erroneous reporting by removing the disputed accounts completely from my Credit File. I recently sent the Credit Bureaus a dispute letter complaining and requesting that the Disputed accounts immediately removed however, the Credit Bureaus have become negligent and stubborn. For the past months, I have been requesting that the Credit Bureaus send me copies of verification supporting the Credit Bureaus claims that the disputed accounts are verified. I took the liberty to investigate my own Credit File, since the Credit Bureaus are not doing their job, and took notes of the following : a ) there is an address that is till appearing to my XXXX Credit File which I classified as inaccurate address and needs to be removed ; b ) the reported charge off account still indicated a balance despite the fact that it is a charge off account ; c ) the reported repossession account is an erroneous account and must be deleted as soon as possible ; and d ) there are information and accounts that are already deleted from the other Credit Bureaus but are still reporting on my Credit File, if the Credit Bureaus took the same action to verify the disputed accounts, why is it that some Credit Bureaus still indicate these accounts on my Credit File? Under the Fair Credit Reporting Act, Credit Reporting must be accurate! I need the Credit Bureaus to remove the following accounts completely from my Credit File : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Vehicle loan or lease

I am trying to reinstate my car loan with Bridgecrest, but I have hit a wall and can't afford a lawyer. I believe Bridgecrest may be overlooking my rights under XXXX XXXXXXXX XXXX XXXX, which allows borrowers to reinstate their loans by paying arrears without paying the full balance. However, when I attempted to discuss this with Bridgecrest, they insisted that my only option was to pay off the entire principal of the loan to avoid repossession. 

I spoke with Bridgecrest representatives on XXXX XXXX XXXX XXXX XXXX, and was informed by both agents that " Bridgecrest doesn't reverse charge-offs, '' which they claim is the only way to resolve my account. This means that while my vehicle is still in my possession ( pending repossession since XX/XX/year> ), I was told that paying off the full loan balance is my only option to avoid repossession. However, based on XXXX XXXXXXXX XXXX, I believe I should have the right to reinstate the loan by paying off the missed payments ( arrears ) and not the full loan balance. 

I faced significant financial hardship over the last XXXX years, including job loss, loss of health insurance, mental health challenges, and homelessness. I wasnt able to make payments for almost 12 months, but I am now working to rebuild my life. I am enrolled in a Debt Management Plan ( DMP ) and saving to catch up on my obligations. I believe I now have enough saved to bring my account current, but Bridgecrests insistence on a full loan payoff is preventing me from resolving this issue that would aid my financial recovery. 

To demonstrate my commitment to resolving this situation, on XX/XX/year>, I made a {$2000.00} payment toward my account. I am seeking to reinstate my loan and have already requested that Bridgecrest provide the total balance needed to bring my account current. However, I have only been told that charge-offs are irreversible and have not received any information on how to reinstate my loan under XXXX XXXX XXXX 

In addition, I am sending a certified letter to Bridgecrest reiterating my request to reinstate my loan. This letter further emphasizes my willingness to pay off the overdue balance, and now that I have made the {$2000.00} payment, I need confirmation of the remaining amount required to bring my account current. I am filing this complaint with the CFPB in hopes that Bridgecrest will honor my legal rights as a XXXX XXXX borrower.
Product: Mortgage

am a XXXX service member for last couple of years, I was recently XXXX  to XXXX XX/XX/XXXX, I was in XXXX XXXX in XX/XX/XXXX with my family were also relocated at that time, this year my family returned home and I got a change of station to XXXX and my family, my kids and wife living in the home that Nationstar aka Mr. cooper trying to foreclose on my home and kick my family out, I applied for modification last year XX/XX/XXXX and denied mod and hired a paralegal XXXX XXXX in which I signed a durable power of attorney to help me negotiate the mod and help me force lender to give me a mod until today there has not been any respond for the appeal nor they speaking to my attorney by power of attorney and claiming she isn't attorney they wont speak to her and harassing my family by sending people to my house and posting notices on my door ( scare notes ), they also recorder a notice e of default on, my property XX/XX/XXXX ignoring the fact am not home and my family has no place to live in while am out, this lender is corrupted and request your assistance to force them to give me a mod request sent last year and over turn the denial please. yes I had problems paying in the past but they knew the reasons why, I was injured in XXXX  and had to take time off the service to rehabilitate and my pay was cut and have a son that's XXXX  and had bunch of medical bills too to be paid and we had financial hardship at that time.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to my requests for validation and reinvestigation of a debt on my credit report. Details of Communication and Timeline of Non-Response : 1. Initial Dispute - On XX/XX/year>, I sent Experian a letter requesting validation of a debt on my report, as is my right under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Experian failed to respond within the XXXX investigation period required by law. 2. Second Request for Reinvestigation - On XX/XX/year>, after not receiving any response from Experian, I sent a second letter asking them to reinvestigate my initial dispute. Again, Experian did not respond or communicate any action taken. 3. Further Follow-Ups - On XX/XX/year>, I sent another letter and a final one on XX/XX/year>, reiterating my requests and urging a response. However, I still have not received any acknowledgment or documentation from Experian regarding my dispute. Under the FCRA, consumer reporting agencies like Experian are legally obligated to : - Investigate disputed information within XXXX days ( or XXXX days if additional documentation is provided ) as stated under Section 611 ( a ) ( 1 ) ( A ). In my case, Experian has far exceeded this timeframe, ignoring XXXX separate letters and my legal right to an investigation. - Notify me of any reinvestigation results under Section 611 ( a ) ( 6 ), which they have also failed to do. Experians lack of response not only violates the FCRA but also compromises my ability to maintain an accurate and fair credit profile. For the CFPB 's review, I am enclosing all letters sent to Experian, as well as my identification, as supporting documentation of my efforts to resolve this matter. These documents demonstrate Experian 's failure to comply with FCRA guidelines within the legally required timeframe. Experians lack of responsiveness to my dispute and reinvestigation requests is a clear violation of my rights under the FCRA. I seek a prompt resolution to ensure compliance with federal law and accurate reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics. I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX # XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit card or prepaid card

signed up for a XXXX mastercard back in XXXX of XXXX. Since that time I have had nothing but issues with this company. This card is by comdata and apparently operated under fleetcor technologies. 

The invoices are unclear and set up in a manner that is hard to follow. Access to the payment site is difficult. They were constantly trying to sneak hidden unauthorized fees into the billing. This began in XXXX of XXXX with what they called a fleetdash  fee of XXXX and continued for three months until I caught it. This happened again in XXXX of XXXX. We were enrolled without consent in a service they called fraud protector in XXXX. In XXXX they began billing XXXX per month. This went on for 5 months until we caught it and asked that the fees be removed In XXXX the fees had been credited back with but there was yet another mystery charge. This time it was called a high risk transaction fee for the amount of XXXX dollars. I held back payment in XXXX due to this as well as other issues with service and was hit with interest fees as well as huge late fees. 

On a XXXX approximate balance they charged : XXXX in interest XXXX late fee XXXX high risk transaction fee This all compounded by the next statement and we were unable to access the online portal to view transactions or make a payment. When they unlocked the account finally I made payment for all charges and interest minus late fees. They continue to compound interest and late fees on the initial fees that were unduly charged. I have made numerous attempts to resolve and have been unable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a complaint in XXXX of 2021 about some accounts on my credit that are not mine. I received a response back from the bureaus stating they was looking into and would get back to me within 60 days but as you can see we at almost 2 years and still nothing. Can you all please remove XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX There is also an account who doesnt have a name for the company but it do have an account number XXXX. Please have this one removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to access my credit report, each time i would call or request one i would be advised my answer to the security question are incorrect. The Questions being asked were of no connection to me. I advised EQUIFAX on numerous occasions. In XX/XX/2019 i was made aware that a debt collection in the amount of XXXX was on my credit report. i instantly knew it was inaccurate as im a Georgia resident and the bill was From a Power Company in The state of Sc, almost 300 miles from my home.i constantly and persistently called to be told the debt was MINE??? No way, i sent a letter demanding it be removed with a letter of credit and residency from My power company.i called Equifax whom put me on hold and released the line. This Debt is in no way related to me and i would like it removed. After dealing with all that, i get a letter from equifax stating i was in the Breach.This is ALARMING.
Product: Vehicle loan or lease

I have a vehicle loan with PNC Bank that I was granted an accommodation under the CARES Act due to Covid 19 hardship. Federal law prohibits negative credit reporting while under a covered period. PNC has reported late payments on my credit report XX/XX/XXXX and XX/XX/XXXX while I had accommodations in effect and also had my account in a repossession status in XXXX that I paid over {$1700.00} to get it out of the repossession. My account was also current when the accommodations were made. I spoke to a supervisor XXXX on 3 several occasions. We went over my account and balances. I attempted to explain to him the errors. XXXX continued to explain that the reporting was accurate. I also sent a letter via certified mail with return receipt to PNC Bank on XX/XX/XXXX asking them to remove those late payments on my account pursuant to the CARES ACT
Product: Mortgage

I have submitted a package as requested prior to the seven day cutoff to review my loan for modification to Nationstar. They have confirmed receipt of the package and can only tell me that my loan is in review with the underwriter but have not placed a hold on the sale date of XXXX. I asked when I should expect the file be reviewed and they stated " within 30 days '' per XXXX ID # : XXXX. 

This is after my sale date that is scheduled. How am I supposed to plan for my future and living arrangements if I can not get a review done in a reasonable time frame?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a consumer who sent my FTC report to XXXX, XXXX, and Equifax on XX/XX/XXXX and I still haven't received a verification letter for my dispute from either CRAs.
Product: Mortgage

back in the RE-MODIFICATION days, i think  XXXX  or  XXXX  i asked for a remod the told me i was current on my payment and i would have to stop paying, so i did I had an interest only loan of  XXXX  by the time i received  my Re Mod the increa sed my principal by  XXXX  k to  XXXX  eventhough i was never paying principal and i have been pay extra interest these la st ten years  on that  XXXX   XXXX  my principal is the same, so in essence i have been paying interest on interest. I contacted my lender to discuss this issue and they told me TOUGH LUCK i signed the papers and were unwilling to help me. As i think that i have more than payed off whatever interest payments i missed, on there advise My principal still remains at  XXXX . any advise would be greatly appreciated
Product: Student loan

Being charged for a load that was paid off. A duplicate of the same loan was created after i left college. The original was XX/XX/XXXX a duplicate of that loan was created on XX/XX/XXXX after I had left. I have been fight this for years they want {$120000.00} and they say I attended XXXX  University, which I have never set foot in. I am XXXX, I have been out of college since XXXX and they want me to pay {$700.00} a month until I am XXXX. I have no legal protection and they have the power to garnish my wages. None of the money I have paid in the past shows on the record. It's like I never paid a dime. 

Loan Type Total Borrowed Loan Date Outstanding Principal Outstanding Interest Total DIRECT CONSOLIDATED UNSUBSIDIZED {$53000.00} {$0.00} Total DIRECT CONSOLIDATED SUBSIDIZED {$8600.00} {$0.00} Total FFEL CONSOLIDATED {$0.00} {$0.00} Total NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} {$0.00} Total FFEL STAFFORD SUBSIDIZED {$0.00} {$0.00} Total {$67000.00} {$0.00} DIRECT CONSOLIDATED UNSUBSIDIZED {$53000.00} XX/XX/XXXX {$53000.00} {$0.00} DIRECT CONSOLIDATED SUBSIDIZED {$8600.00} XX/XX/XXXX {$8600.00} {$0.00} FFEL CONSOLIDATED {$27000.00} XX/XX/XXXX {$0.00} {$0.00} NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} XX/XX/XXXX {$5900.00} {$0.00} NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} XX/XX/XXXX {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$1000.00} XX/XX/XXXX {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED By XX/XX/XXXX I was no longer in Texas. All of this debt is from the duplicate loan. The omsbudsman researched this and XXXX XXXX College confirmed this to be a duplicate and I don't owe them anything. The XXXX is form XXXX  University, which I never attended.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, TransUnion was notified via dispute letter that the account XXXX XXXX XXXX is inaccurately reporting a 30-day late payment status, despite no such delinquency being reflected in the payment history. This account was never late, and TransUnion has failed to verify this information. Furthermore, XXXX and XXXX do not report any late payment status for this account, further proving the inaccuracy of TransUnions reporting. 

It is contradictory to claim that the account was 30 days late while failing to show any corresponding month in the payment history reflecting this delinquency. This is a clear and erroneous reporting error that must be corrected immediately. Failure to do so will result in this matter being escalated to the Attorney General for further action. 

I am fully aware of my consumer rights under the FCRA, and I understand that each violation carries a statutory penalty of {$1000.00} should I choose to pursue monetary relief. I have attached my dispute letter ( dated and time-stamped ) along with supporting documentation demonstrating this erroneous reporting. I urge you to reference TransUnion vs. Cushman and promptly correct this error before further legal action is necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern i have 3 hard inquries from XXXX  which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX  Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX Inquiry from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.