23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This is not a duplicate of XXXX. Please do not get this complaint confused. This is a new complaint. Please do not get this confused. The first complaint was mentioned XXXX XXXX XXXX XXXX which was wrong. This is regarding XXXX XXXX XXXX XXXX. 

TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX XXXX XXXX car installment loan. On TransUnion reports dated XXXX XXXX, 2016, and XXXX XXXX, 2016, and XXXX XXXX, 2016, my XXXX, 2016, payment has been omitted. Also, XXXX of the officials stated that my low credit score would change after 3 months of payments on this car loan and it has not. It appears that TransUnion deliberately refused to reflect my timely payments to XXXX XXXX XXXX XXXX thus placing my account in the negative affecting my credit score. I have letters from XXXX XXXX XXXX XXXX stating that acknowledgement of my XXXX payment was sent to TransUnion on XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint against Experian for their repeated failure to lawfully address and correct inaccurate information on my credit report, despite multiple disputes I have submitted, including the attached most recent dispute letter and my Federal Trade Commission ( FTC ) Identity Theft Report.

I have repeatedly disputed multiple accounts and inaccuracies with Experian, informing them that the disputed information is a result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, Experian is required to conduct a proper investigation and remove inaccurate or unverifiable information. However, Experian has failed to uphold its legal obligations and continues to report false and damaging information on my credit file. 

Additionally, per my dispute letter ( s ), Experian has been made aware of multiple violations they have committed, including but not limited to : Failure to conduct a reasonable investigation despite being provided with an FTC Identity Theft Report and supporting evidence. 
Failure to remove fraudulent accounts after receiving proper dispute documentation. 
Failure to comply with the FCRA by verifying accounts that are legally unverified and unauthorized. 
Ongoing harm to my credit and financial well-being as a result of Experian 's negligence. 
I have exhausted all means to resolve this matter directly with Experian, yet they continue to act in bad faith by ignoring clear evidence of fraud and failing to adhere to federal law. As a result, I am seeking CFPB 's intervention to ensure that Experian : Immediately removes all fraudulent and inaccurate accounts associated with the identity theft. 
Ceases all further reporting of disputed information that is unverifiable and incorrect. 
Provides a detailed explanation for their noncompliance with my previous disputes. 
Takes corrective action to comply with FCRA regulations. 
I have attached my most recent dispute letter to Experian, the FTC Identity Theft Report, and supporting documentation for your review. I urge the CFPB to take immediate action against Experian for their failure to act in accordance with federal law. 

Thank you for your time and assistance in resolving this matter.
Product: Mortgage

I have been having so many issues with Freedom Mortgage company since they purchased my mortgage. I have been a homeowner for over 6 years and I have never missed a mortgage payment nor have I been late on any payment. Due to the ongoing issues with Freedom Mortgage, I refinanced my mortgage from Freedom Mortgage company and is due to receive an escrow refund. On XX/XX/XXXX, I requested that my refund be mailed to me and the company collected my bank account and routing information stating that my refund will be deposited on XX/XX/XXXX. I called back on XX/XX/XXXX because the funds were not deposited to my account and I was told that it would be deposited on XX/XX/XXXX. I then called back on XX/XX/XXXX after not receiving my refund and I was told that the money will be deposited on XX/XX/XXXX. It is now XX/XX/XXXX and I have not yet received my escrow refund. 

None of the representatives at Freedom Mortgage have been able to provide justification as to why the date keeps getting pushed back, neither can they provide a date of when I should be receiving my money. Every time I call, the response I've gotten was that they will submit a request to have my money refunded. I don't know why it is so difficult to refund 'my ' money back to my account. This has caused a lot of XXXX XXXX XXXX XXXX on me, including my monthly bills being past due. 

I have been escalated to multiple escalation managers who have 'assured ' me that they have submitted a rush on the processing of my refund. I have also been told that I would receive a call back and has not yet received it. Every time I call Freedom Mortgage, I am being told that a new ticket has been opened with an expected completion date that is usually 2 weeks out. I called in again, now 5 weeks after my initial contact, to be told by an escalation manager that all the previous representatives have been entering the incorrect code which is why my refund has not been processed. With all the detailed notes that I have provided, including the required legal documents, how can 7+ representatives and managers all input the incorrect information? At this point, I am unsure if Freedom Mortgage is a legit mortgage company that will be refunding my money.
Product: Debt collection

allegedIn XX/XX/XXXX I contacted Portfolio Recovery Associates ( PRA ), in regards to XXXX ( XXXX ) accounts they report to the credit reporting agencies ( CRAs ). Communications were sent certified mail and PRA accepted the three letters XX/XX/XXXX. In those communications I asked for validation ( with my signature ) that the debts belong to me, that a contract exists between myself and PRA that obligates me to them OR a contract between the creditor and PRA assigning the alleged debts to PRA. PRA responded by sending a copy of a credit card statement. I responded back on XX/XX/XXXX clarifying my request asking again for evidence that PRA has been assigned or owns this debt and that there is a contractual obligation between PRA and myself. Again a received a copy of a credit card statement. Certified letters were sent in XX/XX/XXXX and XX/XX/XXXX as well. No validation of debt bearing my signature, no evidence that I have an obligation to pay them. Upon further review of my credit files I saw that PRA was furnishing data to the CRAs that did n't even coincide with the credit card statements they had provided. Specifically, the date of first delinquencies did not match, the account was reporting as a factoring data account ( I do n't have an account with PRA ), they show terms as 1 month- again no account exists between myself and PRA XXXX the last payment amount is not provided and the last payment dates are not provided. I disputed with the CRAs asking that the inaccurate information be validated, corrected or removed. PRA again sent a copies of credit card statements and they indicated in their XXXX response that they will no longer respond to my inquiries. It seems that they are in violation of the FDCPA and the CRAs in violation of the FCRA and now no one will respond to my concerns. Then, shortly after receiving PRAs response in XXXX, I received multiple alerts from my credit monitoring service alerting me that new collections accounts had been added. PRA removed the XXXX accounts from my credit files between XX/XX/XXXX and XX/XX/XXXX and added them back within that same time frame. This was repeated again between XX/XX/XXXX and XX/XX/XXXX They have willfully and in direct violation of FDCPA and the FCRA re-aged my account. Now these accounts are falsely reported as " new '' collections and have dramatically impacted my credit score causing me significant financial & emotional burdens. I have in good faith reached out to PRA to try understand and resolve these issues and they have repeatedly chosen to ignore my specific requests, when they have responded it 's been with stall tactics that appear to be harassment, and they have retaliated to my continued communications with an unethical and illegal action of re-aging my accounts.
Product: Credit card or prepaid card

On a XX/XX/2021 I applied for the Freedom card on the Chase App. The enrollment offer was clearly stated on the app as ( 1 ) the XXXX point offer and ; ( 2 ) a promotional 5 % grocery store offer. I read the terms and it seemed that I would be eligible for the bonus. Once I received the card, I noticed the bonus was not applied. I wrote Chase a secure message requesting reasoning why I did not have the bonus on XX/XX/2021 and XX/XX/2021. Chase responded that I did not click a link necessary to claim the offer. This is false. The offer was clearly extended to me and I was induced to apply for the card over overs because of the offer. I called Chase during the week of XX/XX/2021 to request the matter be escalated. On XX/XX/2021, Chase sent me a letter in the mail which provided no information other than that I was not eligible. Chase provided no legitimate reason I was denied the bonus. 

I have a screenshot of the exact page on the Chase app that I clicked to apply for the card, which I accessed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on these accounts and Nelnet, XXXX, XXXX, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX I have attached the certified letter that was sent to all the parties mentioned.
Product: Mortgage

I closed on a house on XX/XX/XXXX and it was not received till the XXXX of XXXX the mortgage company knew it was being paid off but they put a 30 day payment on me and now I cant get a Mortage cause of this
Product: Payday loan

According to XXXX Management, I am in a collection status for a payday loan that was taken out on XXXX XXXX at a Cash Central Location. I have never been to a Cash Central location, nor have I ever received any payday loans. I have taken online installment loans. But all those accounts have been paid in full and I have verification of it. One of the references they stated I put down was an ex-significant other. I asked them to send a copy of the Notice of Collection, and received nothing. I have tried to ask them for as much information so that I can try to verify exactly where this debt might have come from. They continued to say that I was " refusing to pay '' but I just wanted verification of the debt. I refuse to pay for a debt that I did not create.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a hard inquiry appearing on my consumer FICO credit report. This hard inquiry is the result of fraudulent activity and was not made or initiated by me. 

The fraudulent hard inquiry is as follows : Inquiry at XXXX on XX/XX/year> I do not recognize this hard inquiry as reported. The hard inquiry appearing on my consumer credit report maintained by you was not initiated by me and is the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that this hard inquiry is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I was enrolled in the Auto Debit program with Sallie Mae to repay my loan. Payments are taken automatically on the 17th of every month. I re-enrolled in school full time and finished that process in XXXX. Classes started XX/XX/XXXX, which would be the date my loans went into deferment as well. On Thursday, XX/XX/2019, I checked my bank account and Sallie Mae had taken the Auto Debit payment, though they shouldnt have, and put my bank account in overdraft of over - {$200.00}. I contacted support that same day and they confirmed it should not have been taken out. They submitted the request to refund the payment but said it would take 3-5 business days. I checked my bank account the next morning, Friday, XX/XX/2019, to see if my direct deposit from work had been deposited, and I discovered a new overdraft fee from my bank plus my entire paycheck from work was applied to the negative balance. Because of Sallie Mae and their mistake, my entire check from work was applied to the negative balance, as well as the {$35.00} overdraft fee that I wont be reimbursed for once Sallie Mae refunds me, and any business I need to handle with my paycheck wont be taken care of resulting in even more late fees, and there is nothing I can do about it.
Product: Debt collection

I am in the process of trying to pre-qualify for a mortgage loan and I have a collection account from Credit Protection. I tried to call the company to try and get the balance taken care of but the company will not work with me. I do not have any written documentation that justifies the balance they say I owe them. The account has been reporting on my credit report since the XXXX of 2015. I desperately need this situation rectified.
Product: Bank account or service

I have been at SunTrust since 2007 and an employee XXXX with that company. I just received my XXXX to further my career in finance. I have been in banking over 28 years. Unbeknownst to me, my daughter gave her bankcard to someone and they deposited a check to our joint account and was able to withdraw every dime from the check seven hours after the check was deposited in an ATM. The check was for {$2400.00}. I was told the funds were made available due to our relationship with the bank. All accounts that had my name on it were restrained to debits pending investigation including my son 's account. 
I have been given the run around. I call the fraud department ( which is outsourced to XXXX ) and am told to go to my local branch. I go to my local branch and told to contact fraud. I ask if I could speak with an investigator I am told no. They can not call the investigator just contact that person through the case. There is a disconnect here and it is not fair to victims like me and my son. I did a police report and the tape was pulled at XXXX where the criminal purchased a money order for {$1700.00} which showed who purchased the money order and it was not me or my daughter. The fraud department said they have 10 business days to investigate the case. This is unacceptable. I am demanding me and my son 's funds released to us immediately. Also I want my name cleared of any fraud due to this account. I did an affidavit with SunTrust based on what my daughter XXXX XXXX told me happened but she has lied and changed her story several times. I need this resolved as soon as possible as this caused a financial hardship on my son XXXX XXXX and XXXX. The thing that frustrates me when I myself make purchases that are out of character Suntrust would freeze my card. I tried to purchase a pair of shoes at XXXX XXXX for {$80.00} they blocked my card but yet you let a {$2400.00} deposit go into a minors account and let funds withdrawn at XXXX XXXX less than a day the funds were deposited and that does not raise red flags. I want my money back from SunTrust immediately by me going to the branch and close the accounts and get me and my sons funds and fraud to removed under my name as my career is in finance and can hinder me getting a job in finance elsewhere. There should be someone locally in the United States at SunTrust that I could talk to in reference to this account.
Product: Credit reporting or other personal consumer reports

FILE TRACKING # XXXX # XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Product: Mortgage

As of XX/XX/2021, XXXX/LOANCARE LLC has not fully resolved my prior complaint with the CFPB. The company still has my principal and interest payment at {$2200.00}. This is incorrect. In the loan modification correspondence ( see attached ) dated XX/XX/2021, LOANCARE , LLC. stipulated that my principal and interest payment would be {$1900.00} effective XX/XX/2021. The first payment was due on XX/XX/2021. They fixed the escrow piece that was incorrectly processed by their escrow department and lowered my escrow payment to {$950.00} via the escrow analysis dated XX/XX/2021. However, the escrow department failed to have the updated principal and interest amount in the new escrow analysis that was stipulated in the loan modification documents. The escrow analysis ( see attached ) stated my total mortgage payment is {$3100.00}. This is incorrect. The totally mortgage payment should be {$2800.00} based on the modified principal and interest, plus the new escrow amount. LOANCARE/XXXX  XXXX  XXXX should be shut down. Their handling of loans as a servicing company is unprofessional. I wish to be transferred to another company that will handle my mortgage payments with accuracy and care. This has been an awful experience, and I should not have to contact the CFPB to actually get things resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my information and Im currently working with an attorney to clear some of these matters up and this hard inquiry is just one of many
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notorized FTC report and my PA driver 's license to XXXX, XXXX, and Equifax about the fraudulent accounts reporting on my consumer report.
Product: Credit reporting, credit repair services, 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. 

Company name XXXX  XXXX Account Number # XXXX Company Name XXXX  XXXX Account Number # XXXX Company Name XXXX  XXXX Account Number # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting, credit repair services, or other personal consumer reports

Attempts have been made to all three credit bureau to remove and block account due to several errors and inconsistency in reporting information. Transition, XXXX and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. 

XXXX XXXX has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of XXXX violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.