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

transunion and XXXX XXXX XXXX XXXXXXXX XXXX is committing interstate fraud, illegal activity, and violation of federal law, maryland, texas and district of Columbia law. they are destroying a XXXX veterans health and causing him to be XXXX, and are legally liable for their actions. they are ILLEGALLY and fraudulently re-inserting a false, fraudulent collection that is false and fraud that I do not owe and have never owed on my credit report AND IS not MY ACCOUNT AND I DO NOT OWE!! this is a re-insertion. see previous deletion attached. this is a fraudulant illegal collection account RE-INSERTION that I DO NOT OWE And AM NOT REPSONSIBLE FOR!! XXXX XXXX XXXX AND TRANSUNION ARE VIOLATING FEDERAL AND STATE LAW AND HAVE BEEN REPORTED TO THE ATTORNEY GENERALS OF DC, TEXAS, AND ILLINOIS, AND CALIFORNIA, WHERE TRANSUNION HEADQUARTERS ARE LOCATED. I HAVE ALSO FILED MULTIPLE XXXX COMPLAINTS AGAINST THESE COMPANIES, AND HAVE THE STATES ATTORNEY GENERALS INVESTIGATING YOU FOR FRAUD!! I DO NOT OWE THIS COMPANY AND THIS IS FRAUDULANT AND ILLEGAL. REMOVE THIS COLLECTION FROM MY CREDIT REPORT IMMEDIATELY TRANSUNION OR I WILL SUE YOU FOR FRAUD, PAIN, SUFFERING, EMOTIONAL DISTRESS, XXXX, AND MY MEDICAL BILLS. YOU ARE PREVENTING A XXXX VETERAN FROM BEING HOUSED AND FOR THAT YOU SHOULD BE SUED AND YOUR XXXX XXXX, FCRA LAW VIOLATING, CORPORATE LEADERSHIP THROWN IN JAIL!! YOU ARE DESTROYING A VETERANS LIFE YOU XXXX XXXX XXXX XXXX!!! REMOVE THIS ITEM FROM MY CREDIT REPORT IMMEDIATELY!! IT IS FRAUD, NOT VALID, ILLEGAL, FALSE REPORTING AND A RE-INSERTION OF A FRAUDULANT ILLEGAL ACCOUNT!! TRANSUNION IS VIOLATING THE LAW AND DID NOT PROVED THIS FRAUDULANT ILLEGAL ACCOUNT BEFORE RE-INSERTION TODAY. TRANSUNION DID NOT SEND ME A RE-INSERTION LETTER FOR THIS FALSE, FRAUDULANT ACCOUNT THAT I DO NOT OWE!! XXXX BOTH OF YOUR COMPANIES, XXXX
Product: Mortgage

There are two separate issues I am having with Flagstar Mortgage. 

First - Loss Mitigation Department : I have applied for a loan modification with this company 4 times within the last year and was approved by them for the modification, then denied after approval, by their error. They have admitted to this, but still are requiring me to resubmit an entirely new modification request. This is absurd and unlawful. Meanwhile, Flagstar will not accept my payment and my past due balance keeps on climbing. In addition, my 2 most current invoices now state I am on the XXXX XXXX Flex Modification, but when I call to discuss this and ask what I need to pay each month, I am told that is an error and I am not actually on the Flex-Mod option. I want to be able to have my payments accepted by Flagstar and receive the modification I was already approved for. 

Second : Loss Draft Department : I am at now 6 weeks of needing my entire roof replaced and no payment disbursed. I now have a hole leaking water and causing mold in my roof and I have submitted two checks right at XXXX to them from my insurance company already. I submitted all paperwork required to be submitted to their loss draft department and have proof of it. By law, they have to either pay for someone to come repair my roof with the insurance money I sent into them or allow me to pay someone. I requested they send the check out in the contractor 's name. Neither of these things has happened and the call I just got off of told me they had no supervisor available, no one to speak with regulating this department to put a complaint in to and for the third time in two and a half weeks I was told I would get a call back within 2-5 business days with a follow up from a manager. Bottom line is that Flagstar Mortgage company is withholding insurance money on a completed loss draft file. I do not have another week to wait for a callback that never happens from a supervisor. Every day, the roof is getting worse due to the leak.
Product: Student loan

I am filing a complaint against my student loan servicer ( ACS ) because it changed the terms of my student loan without my consent and without giving me notice. ACS changed the terms of my student loan payments from principal + interest to an only interest payment. This complaint concerns a loan I took out to study for the Washington XXXX XXXX. Please see attached documents.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : 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 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 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

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 

[ Provide details about what happened. Include the dates and amounts of fraudulent transactions. ] I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 



Identity Theft Report Included
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/, Equifax shows no information about me ( personally ) or any credit information relating to me on-line. This is the 2nd time in ( 60 ) days that this has happened. Why has my complete file disappeared from their on-line records? I have no issues with XXXX or XXXX XXXX I am requesting they check their records and tend to this matter immediately.
Product: Vehicle loan or lease

Purchased XXXX XXXX in XX/XX/2013 and financed through Santander. The car was {$17000.00} when purchased ; with the fees and interest rates the balance is about {$13000.00} -- 5 years later. The car is on its last leg and need work done -- it has over 130,000 miles on it. The amount of money I still owe is ridiculous and I realize that my credit wasn't the greatest when I got this loan and have had some issues with making payments over the years but I owe {$4000.00} less than I did when I first purchased the car and there's no way that this car is going to last for the next 2-3 years its  going to take to pay it off. According to XXXX the car is only worth $ XXXX-XXXX -- I still owe {$13000.00}.
Product: Checking or savings account

I noticed 2 unauthorized atm withdrawals on my checking account on XX/XX/22 in the amounts of {$300.00}. Totalling {$600.00}. I immediately called my bank ( Wells Fargo ) and notified them of the issue. They issued me a new card number and started an investigation that concluded that the transactions were authorized and denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian, XXXX  and XXXX   credit reports. Each credit report shows more than 10 inquiries ( 22 from Experian, 12 with XXXX and 14 with XXXX  ) that I do not recall authorizing. I understand that creditors or lending institutions are  not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my XXXX credit file. Experian and XXXX is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on Experian or XXXX. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on Experian : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX CXXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over XXXX credit being reported on my personal credit reports. I have tried numerous times to get them removed. I've even hired credit repair agencies, still those XXXX unauthorized credit inquiries remain on my report. I pray the XXXX can assist in clearing these fraudulent inquiries off of my report.
Product: Mortgage

SLS - XXXX XXXX XXXX. - XXXX XXXX - XXXX XXXX, CO XXXX - This has been my mortgage processor for years. On XXXX XXXX I received a notice from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX MI ) stating our loan had been purchased and my XXXX XXXX payment was due to them. I had never heard of them! I complied. Yet SLS took did the automatic ACH payment too. -- Then, on XXXX XXXX I received ( 1 ) a letter from SLS stating they would deduct my mortgage payment on XXXX too ; AND ( 2 ) a letter giving me a notice of balloon payment due to SLS. SLS has no answers for me and will not confirm in writing that the loan has been transferred and that they will not deduct the XXXX payment and that the balloon payment is actually due to the new processor.
Product: Credit card or prepaid card

My XX/XX/XXXX statement for {$4100.00} was due on Sunday, XX/XX/XXXX. My payment posted the next business day, Monday, XX/XX/XXXX. I was charged a late fee of {$25.00} and Interest of {$69.00}. The Credit Card Accountability Responsibility and Disclosure Act of 2009 Section 106 ( 2 ) states, WEEKEND OR HOLIDAY DUE DATES.If the payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor may not treat a payment received on the next business day as late for any purpose ( ftc.gov ). My payment was due on a Sunday, a date which the company can not receive mail, was paid by my bank electronically on the following business day, and therefore, should not be treated as late for any purpose. This is the second time this has happened to me. The first time was in XX/XX/XXXX ; my payment was due on Labor Day - Monday, XX/XX/XXXX and was paid on Tuesday, XX/XX/XXXX. The automated system removed the fees when I called in to Citi Bank. Now I'm being told that was a courtesy credit and Citi will only issue one per year. The credit should not be a courtesy ; it should be applied because the company is not following the Act mentioned above. I believe what the company is doing is illegal and is causing financial harm to others and to me. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Agency stop reporting mortgage payment history. The account is paid in full and in good standing. Agency states there's a statue that requires removal of a closed account after 10 years. Agency fails to provide the statue to me and refuses to add to mortgage account to my consumer report. The following statue quoted doesn't apply to closed accounts in good standing. " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '' Dates : XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to transunion to see if they received the attached document sent with file number XXXX and transunion stated they got the attached document. I asked the fraud department when will the bk be removed from my credit the rep stated it will not be removed. I asked how is this possible when I reached out to the XXXX courthouse via mail to find out if the courts verified the information with transunion and the XXXX courthouse sent me back a letter stating they do not verify to credit reporting agencies nor do they give any information to third party agencies. I asked transunion why was this document so called not valid and the rep could not give me an answer as to why the documentation is not valid. I told the rep that if you can not give me a valid reason why this documention that I gave you is not valid the XXXX need to be removed, number XXXX transuion stated that they " verified '' with the furnisher. The furnisher is not a XXXX party company. The original furnisher is the XXXX  courts whom do not verify any information over the phone nor through the mail and that is what the document states. I have sent documents certified through USPS to transunion and they claim they did not receive it but I have the certification to prove that is a LIE! I have reached out to a consumer legal representation on this matter. CFPB does not make sure these CRA is following FCRA rules. I will be filing a complaint with FTC!
Product: Credit reporting

Experian is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Experian to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USA 1681 Section 602 states I have the right to privacy 15 USA 1681 Section 694 A Section 2 it also states a consumer reporting Adency can not furnish a account without my written instructions 15 USA 1666B : A creditor May not treat a payment on a credit account under an open end consumer Credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the failure of XXXX, Experian and XXXX to properly investigate my disputes related to incorrect negative information on my credit report. Despite multiple attempts to resolve these inaccuracies, the credit bureaus have responded with stall tactics rather than conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). 


The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

my lease car was totaled in a car accident on XX/XX/2019. after my insurance paid the lease company they billed me for {$1400.00} on XX/XX/2019. I sent them a certified mail on XX/XX/2019 disputing this amount. I never heard from them no more. I was checking my annual free credit report in XX/XX/2019 and saw they reported negative information including a charge off. my excellent credit score dropped a lot.i disputed with the credit agencies with little success even sending them documentation. I contacted the lease company and they keep giving me the run around.the lease company is Hyundai motor finance. the credit reporting agencies are XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Call Experian on XX/XX/19 to find out why my credit score had dropped twice in the last two months. After speaking to an Experian representative to get a screen shot for this report I find that that screen is no longer available. It appears to me they use this tactic to frighten the user into going into their account to get them to either update their account to a paid subscription or entice them into applying for one of their credit card. I find this very underhanded.
Product: Debt collection

On XXXX I agreed to pay {$180.00} with ERC for a debt. In return ERC agreed that the debt would be satisfied and release all claims. ERC cashed the check but as of XX/XX/2019 the items were still showing negative on my XXXX  and XXXX credit files. I disputed the item and it was removed from XXXX  on XXXX. The negative item was still showing on XXXX  so I called ERC on XXXX the first representative told me it would take 45 days to be removed. I then spoke to a representative on XXXX and was told they can not remove the item. So I started disputing the information with transunion .But XXXX  was still showing the negative item even after I showed proof the cashed check and the item being removed by XXXX  XXXX Since that time Ive sent certified mail to XXXX  to dispute this item but I still have no proof from XXXX  or ERC that the information they have is valid.
Product: Credit reporting or other personal consumer reports

I want to reported accounts removed. 

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

My ex friend posted my info on her social media outlets telling all her followers to commit unemployment and PUA fraud. I then started to get inquiries that i do not recognize. I also got a email from XXXX saying some tried to use another account to file my info on XX/XX/XXXX. I had already filed my return on XX/XX/XXXX. Also, I always file my son. Knowing they do not have my son 's info, the account filed without my dependent is fraudulent. The person who posted my info name is XXXX XXXX XXXX, XXXX : XX/XX/XXXX. Her home address is XXXX XXXX XXXX, XXXX, il, XXXX. I tried to go to my local police department but they told me to file a non emergency report online. I have a XXXX card inquire and a XXXX inquire that was not me. If this woman ( XXXX XXXX XXXX XXXX has your info for any reason report her.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Equifax, XXXX and XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.