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

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

Given my experience for my previous forbearance was to last through XX/XX/XXXX, I would like to complain in regards to me not being able to process the payments for XXXX, XXXX, and XXXX. As stated in my last complaint to the Consumer Financial Bureau, in XXXX XXXX I attempted to make a payment for my forbearance plan and was unable to because suddenly XXXX could not process my payment. When I asked about this I got many different excuses, such as because I applied for a loan modification and it was denied that I was unable to pay and that my info for the loan modification had been completely deleted, so I would have to pay XXXX upfront and enter a payment plan for the XXXX. When I challenged this over several weeks, I received new information such as all of a sudden the forbearance was magically restored and I didn't have to pay the XXXX anymore. I was really confused by the whole thing especially being that XXXX is the reason I decided to go ahead and apply for the loan modification when I did, they didn't say anything about the forbearance being broken or potentially broken if the loan modification was applied for. As a first time home buyer, this has been a nightmare experience and even still I am not sure what happened to the XXXX, XXXX, and XXXX payments as I let XXXX know I would now have to escalate because there has been far too much mishaps on their end. 

I would like to know if I was still charged for these months? I would also like to discuss the numerous late fees that I have been charged by XXXX  which I did not discover they were charging me until I requested it last week. Can XXXX  charge me late fees during the forbearance? Also, why was I never informed of that I could incur a late fee, before the forbearance began I was informed by a XXXX  representative that as long as I paid by/before the last day of the month I would be fine. No mention of any late fees. I would like these late fees removed from my account. 

I am aware XXXX had a lawsuit against for charging unforeseen and extra fees, and at this time would prefer internal resolve around the fees and the forbearance. 

Lastly, I would like the delinquent payments removed from my credit report. I should have no months that I was in forbearance as delinquent on my credit report. I did not know about this until XX/XX/XXXX when I started looking into the situation because it did seem correct. I also would like to know if legally I need to go 2 months behind in payments to enter a forbearance? I was in great standing credit wise and mortgage wise before I was told I must be at least two months behind to enter a forbearance. If I legally did not have to do such, I would like those two delinquent months before my XXXX forbearance removed from my credit report as well. 

I plan to enter the COVID forbearance as I am heavily impacted by COVD-19 but would like to get these issues resolved before doing so. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information reported on my credit history. The account in question is associated with XXXX  XXXX XXXX ( partial account number : XXXX ). The reporting of this account contains multiple errors that violate my rights under the FCRA, and I demand its immediate removal from my credit report. 

Specific Issues with the Account XXXX. Incomplete Payment History Reporting : The payment history for this account is entirely blank. This incomplete reporting fails to meet the standards of accuracy and completeness required under Section 607 ( b ) of the FCRA. 

XXXX. Inaccurate Information : The account is marked as " Derogatory '' by TransUnion, while other credit bureaus list different statuses. This discrepancy indicates a lack of proper verification and accuracy in reporting. 

XXXX. Date Inconsistencies : The date of the last activity reported by TransUnion does not match records maintained by other bureaus, which violates the obligation to maintain accurate and consistent records. 

Violations of the Fair Credit Reporting Act 1. Section 607 ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of the information included in consumer credit reports. 

XXXX. Section 623 ( a ) : Obliges information providers, such as XXXX  XXXX XXXX, to ensure the accuracy of the data they report to credit bureaus. 

XXXX. Section 611 ( a ) : Mandates credit reporting agencies to conduct a reasonable investigation upon receiving a consumer dispute. The fact that these inconsistencies persist despite previous disputes demonstrates that TransUnion has failed to comply with this requirement.
Product: Student loan

XXXX college went out of business and loss there accreditation, so now im stuck with {$20000.00} in loans. I 've been trying to get this resolved but Nelnet wont tell me how to get my loans discharged. Plus XXXX college was sued by the Colorado State general and the college is supposed to be paying back these loans, but know one knows how this is done.
Product: Mortgage

WAS TOLD PAYMENT FOR XX/XX/XXXX WAS MISSED ON THE DAY ( XX/XX/XXXX XXXX ) I PAID {$1300.00}. BANK SAYS I NEED TO PAY {$1700.00} FOR XX/XX/XXXX. I REMINDED THE BANK OF MY OVERAGE IN ESCROW AND REQUESTED THE ALLEGED SHORTAGE BE DEDUCTED FROM IT. BANK REFUSED, I DEMANDED MY ESCROW OVERAGE BE RETURNED IMMEDIATELY AND THEY AGAIN REFUSED A 2ND TIME STATING THEY CANT BECAUSE MY PARTIAL PAYMENT WAS NOT ACCEPTABLE. 

BANK MAILED LETTER STATING MY PAYMENT WOULD BE {$1300.00} BEGINNING XX/XX/XXXX. ALLEGED MISSED PAYMENT WAS NOT {$1700.00} BACK IN XX/XX/XXXX. I BELIEVE THE BANK MISAPPROPRIATED MY XX/XX/XXXX PAYMENT FOR SOMETHING OTHER THAN MORTGAGE. 

I BELIEVE THE BANK IS ATTEMPTING TO STEAL MY HOME DEMANDING ME TO PAY {$1700.00} FOR XX/XX/XXXX WHEN THE PAYMENT WAS ONLY {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of obtaining a residential mortgage. 

On XX/XX/2020 I attempted to unfreeze my Equifax credit history via myequifax.com. I had called Equifax earlier that day for assistance and was advised by their XXXX call center to us myequifax.com to obtain my credit report and to unfreeze my history. I was unable to access the website which displayed a phone number to call. I called the number and the person I spoke with advised me to fax my passport and drivers license with a cover letter to XXXX which I did on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from Equifax advising I needed to submit copies of my passport and drivers license to verify my identity. I called the XXXX call center who verified receipt of my fax on XX/XX/XXXX and that my identity was confirmed. The representative offered to unfreeze my credit history which I declined instead requested assistance to access myequifax.com. He transferred me to the help desk which I was on hold for over four hours without result. On XX/XX/XXXX I called Equifax at XXXX when they opened and spoke to XXXX who said he was a supervisor in the XXXX call center. He advised they were unable to verify my drivers license copy and that I would need to resubmit my documents. I should note that when I tried to fax on XX/XX/XXXX it took hours as their fax line wasn't working correctly. 

At this point I am hopeful the CFPB can lend assistance as it appears Equifax is running me through a gauntlet as a punitive measure because I have a security freeze. Thank you for any assistance.
Product: Debt collection

Previously made contact with the agency of Randolph , Boyd , Cherry & Vaughan ( XXXX ) XXXX ; informed them that the debt in which they were trying to obtain was 1 ) Discharged in a bankruptcy by XXXX XXXX XXXX that was under the name of XXXX XXXX ; who was my cosigner of the loan for XXXX XXXX XXXX. 2 ) Informed them that the debt is 5 years old and per Virginia law they have up to 5 years to pursue this debt. This company has use railroading tactics and put a freeze and garnishment on my account that completely wiped out my account. 3 ) They were informed that the car was auctioned off for majority of the account. And that XXXX XXXX XXXX most likely had been written the remainder of the debt off. I feel that the attempt made to recollect on this debt is unlawful.
Product: Student loan

On or about XXXX, XXXX, I phoned in to XXXX Mohela to request a Natural Disaster Forbearance for the California Severe Storms, which impacted heavily my residence and employment as noted in my call to XXXX Mohela in said date ( s ). During this interaction ( s ), I was advised that once approved which ultimately said Forbearance was approved through XX/XX/year> should I require an extension past the initial 60-day allotment, I would be provided a 30 day extension for a total of ninety ( 90 ) days for this Natural Disaster Forbearance. 

You will note my severe and profound distress when today, XX/XX/year>, when phoning into XXXX Mohela again for this extension ; I was advised that they would not be able to process this promised extension for 30 days and was also refused the opportunity to speak with senior manager to ensure that this extension was placed on my account. To date, I have had severe, unrelenting issues with Mohela in the management of my held loan, meriting urgent response and resolution at the present level prior to engaging California Attorney Generals Public Inquiry Unit and local media Consumer Investigative reporters with XXXX to aid in this egregious matters full resolution. It is appalling that each and every time I have an issue with my Mohela loan, I am placed through severe and unrelenting distress meriting immediate resolution at this moment, prior to commencing any and all aforementioned actions. 

Thank you kindly in advance for your urgent and immediate escalation to XXXX / Mohela senior management and I look forward to urgent telephonic contact from the appropriate party to confirm the 30 day extension on this Natural Disaster forbearance through XX/XX/year>.
Product: Debt collection

This account does not belong to me. It was open fraudulently and is damaging to my account. I have previously contacted Experian regarding the inaccurate, offending collection account on my credit report. This debt was not properly validated because if that was so, it would not be reporting on my credit profile. As such, I am asking that Experian adhere to the law and remove this information from my credit report immediately. Failure to do so is a direct violation of the FCRA & FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX  XXXX Balance {$4400.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXXXXXX Balance {$300.00} ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I took out a loan with Personify Financial XXXX, 2017 in the amount of {$3900.00} not realizing the interest rate was 98.22 %. the pay back would be {$12000.00}. I was in desperate need of a loan. I feel I was taken advantage of. Personify Financial is nothing short loan sharks. I thought there were laws against this and consumer protection against loan companies charging such ridiculously high fees. I paid them approximately {$7000.00} then started to realize the balance was not going down. I tried to contact the company to see if this could be looked at but nothing was done. I contact the better business bureau and logged a complaint. I would have even been willing to settle at a lower and fair amount taking into consideration what I had paid already. Paying back {$12000.00} on a {$3900.00} loan is terrible business practice. The Dodd-Frank Wall Street Reform act states the lenders must engage in fair lending practices. I feel that this company is not engaging in fair business practices and they are taking advantage of consumers. I would like my case investigated.
Product: Debt collection

This debt has been disputed several times with the creditor and all three major credit bureaus. I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX, I do not have a contract with Transworld Systems Inc XXXX XXXX XXXX, XXXX, DE XXXX. They did not provide verification of the debt as requested.
Product: Checking or savings account

I am XXXX XXXX XXXX. I just moved from XXXX XXXX where I've lived for 71 years to XXXX XXXX. I have banked with great credit and no problems for decades with a regional New Jersey bank. When I applied for an account at Bank of America online I initiated a {$250.00} online ACH transfer to fund the account. I got an account number online. I ordered an ATM card and checks. A few days later, my new account was shut down because of a 'deposit check ' based on a report. When I called the reporting agency, XXXX XXXX XXXX, they explained my deposit score was low because my old bank was not a part of their system. They didn't have any banking information on me so their was no data, just a few inquiries at the time I tried to open the account. I spent hours on the phone and in the Bank of America branch offices, as instructed, trying to get this straightened out but in the end, I left since the branch could not open my account and the Bank of American system would not accept my XXXX XXXX drivers license.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : XXXX XXXX Properties to Be Removed from My Records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage. 

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin. 

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.
Product: Checking or savings account

I tried to open a bank account with Wells Fargo and then found out that I have several fraudulent accounts opened up under my name and social. I 've reach out to Wells Fargo to gain resolution and keep getting the run around. The accounts are a result of my identity being stolen.
Product: Credit reporting or other personal consumer reports

I tried calling and kept getting hung up on. An account was opened based on my XXXX and XXXX account, for XXXX XXXX XXXX. It reads I have a {$230.00} balance on a card with a {$300.00} limit. I have no recollection of this account. It reads it is a XXXX XXXX opened on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Hello again this is XXXX XXXX - would just like to report that the gentleman who had been handling the whole stop payment thing has not returned the funds despite being informed ( I believe ) that he had until the XXXX of this month to get it resolved. We went to a Bank of America branch yesterday to speak to someone in person, and the gentleman who helped us had also tried to contact XXXX XXXX and like us was immediately sent to his voicemail. 

We will be returning today to see if an email that was sent by the person helping us was responded to, but at the same time we are out of time. I would like to make you guys aware that my father, XXXX XXXX, had passed away at XXXX XXXX  last Monday. We really need the {$2800.00} credited back to mine and my father 's joint account at XXXX ( I will probably become the primary account holder of that account, I just need to supply XXXX with a copy of the death certificate ) because we need it to go towards funeral costs and everything else we need to survive. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being approved, paid and sending a representative to phot the house last evening I received this false report which severely impacts my ability to secure insurance. The agent did not reveal the source other than some unknown XXXX. THE INFORMATION provided XXXX was grossly wrong. See attached letter. They have not refunded my money. Also CFPB SOFTWARE STILL DOES NOT WORK ... CONCERNING SS ENTRY ... ONLY YEARS STILL NOT WORKING
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?