23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a letter from Midland Credit Management ( MCM ) on the XX/XX/XXXX telling me they were trying to collect of a debt of {$3500.00} for charges made on a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX card ending in XXXX. My husband XXXX spoke with XXXX at XXXX on XX/XX/XXXX XXXX to try to find out more information on these charges since we had never received any indication through the US mail or email regarding any charges to this card, but XXXX said there was no info she could give us as the address ( listed under my name, XXXX XXXX XXXX ) was different than the XXXX at which we reside. 
Immediate red flags went up as we have resided at XXXX XXXX XXXX, XXXX, MA XXXX since XXXX of XXXX and have never lived or bought property anywhere else. My husband then sent certified letters on XX/XX/XXXX XXXX to MCM refuting the charges and requesting a debt validation letter form them. They then sent back another invoice saying the debt was ours, even though the address that they supplied for the XXXX XXXX XXXX listed was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, and all four charges they showed on their invoice ( only XXXX were listed totalling {$770.00} ) were made at locations in XXXX MA XXXX a place we've never lived and have never visited. The invoices from XXXX had obviously been going to that address but had never been paid by the occupant at that address, and the fact that this mail had been going to this address is obviously why no notifications of any charges had been received by us. On another note, we use our current XXXX XXXX card extremely rarely ( which ends in a different set of numbers, btw ) ; everyday charges for us are either through our bank debit cards or through our XXXX XXXX XXXX cards. It is our firm belief that the card information being used has been obtained by someone in an online data breach ( my husband XXXX informed me that he was sent an email just this past week that his info was pwned in massive online breach and has had two other email notifications in the past couple of years regarding the same problem ) and that we are being defrauded.
Product: Debt collection

I respectfully call for your adherence to the Fair Credit Reporting Act ( FCRA ), a critical legal framework designed to safeguard the rights of American consumers concerning credit bureaus. In light of this regulatory context, I kindly request XXXX to take the necessary steps to omit the following account details from my credit report : XXXX XXXX XXXX XXXX XXXX PENTAGON FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I emphasize that the inquiry associated with this entity was not initiated by me. In accordance with the FCRA, which places substantial importance on the accurate and equitable representation of individuals ' credit histories, I implore your prompt attention and resolution of this matter. 

Your steadfast commitment to upholding the core principles of consumer rights within the realm of credit reporting is greatly appreciated. I look forward to your timely response and the corrective measures needed to address this situation.
Product: Debt collection

This was a predatory loan from the start I paid for years high interest on this loan car was stolen insurance company paid just at XXXX XXXXXXXX for this auto not to mention I paid monthly payments for 2 years or more I explained to them that covaid pandemic hit job closed I was home to home and couldnt make payment they for far more than market value for this auto loan but yet made harrasings calls for months.showing their greed they could have easily forgiven the balance owed at the time XXXX  XXXX or so difference once insurance company paid them lump sum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXXBalance {$0.00} XXXX XXXX XXXXXXXX  {$18000.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXX-Balance {$0.00} XXXX XXXX XXXXBalance {$460.00} XXXX-Balance {$8300.00}
Product: Mortgage

In XXXX or XXXX we were notified of a class action suit against Wells Fargo for customers who may have been impacted by inflated fees and/or fraulent activity of mortgage holders. We never received an update to determine if we were entitled to any of the settlement. 

Please advise.
Product: Debt collection

I found a collection account in my credit report without any previous notice about the origin of the debt. THIS ACCOPUNT DOES NOT BELONGS TO ME. I contacted the collection agency and they realized the account is not mine. But the collection agency NEVER contacted me before summiting the information to the credit report. 
Collection Agency : SEQUIUM ASSET SOLUTION Original Creditor : XXXXXXXX XXXX Loan Amount : {$770.00} Account Number : XXXX Collection Opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, GA XXXX The fraud address ( someone used my information for the account ) is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accessed my XXXX consumer report without my written authorization. I never gave this company to obtain access to my consumer report. This is a invasion of my privacy as a consumer and illegal to do without my authorization.
Product: Payday loan, title loan, or personal loan

This particular company is allowing customers to make their payment with the 15 day grace. And not advising that this is a daily simple interest loan that in cumulates more interests earn. In addition they are not able to make same day payments and always advises that they will post the payment the following business day to allow the company to accrue additional interests. This is unethical and I think that this company needs to be reviewed under CFPB. Any company is able to make a payment and backdated to the original payment date that you called in period I called in at XXXX o'clock central standard time and advise that my payment will not post till Monday due to it being considered the following day being Friday. That is absurd and ridiculous for companies to make additional money off of consumers
Product: Vehicle loan or lease

I had my account on auto draft for 71 payments. I did not know that the 72nd payment needed to be sent in by check. I received 0 calls, texts, emails, or mail about my last payment being late. I found out through my credit reporting. This showed me as being 30 days late on my last payment. I have 20 years of never missing a payment and now it is ruined. I disputed this and the company would not remedy the problem and left the late charge on my credit report. How am I supposed to remember that the late payment 6 years later was supposed to be by check?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an adverse action letter from XXXXcredit, who had run a check on my credit on XX/XX/21 when I applied for an auto loan. I went to experian.com, signed up for an account, took a look at the information there. What I found was that Experian does not have just one score they give to everyone who runs a credit check. They have one they give a lender when you apply for a mortgage. They have one they give lenders when you apply for an auto loan. They have a third one they give lenders when you apply for a credit card. And they have a 4th one, called the XXXX, that they give to consumers who log onto their web site and view their credit score. Gosh knows how many more numbers they generate on you. 

The XXXX has an XXXX point scale. The auto score has a XXXX point scale, they're not even the same numbers. To tell a consumer their number is X, and tell a lender it's Y, is, in my opinion, fraud. 

I don't want to see the XXXX, I want to see exactly what Experian gave to XXXXcredit when I applied for the car loan. I called Experian and said that was what I wanted. They told me I had to have a premium account on their web site, which I had to pay for, to see that info. I insisted it was within my right as a consumer to see what they were telling lenders, not just what they felt like telling me. The agent hung up on me.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024, I submitted a XXXX XXXX victim self-attestation letter, signed and certified, determining that I was a XXXX XXXX XXXX, to the consumer reporting agency TransUnion, through their online submission. 

For the purpose of this complaint, I will attach and upload a copy of the letter originally sent and TransUnion 's confirmation of my request as supporting documents with this complaint. 

I provided all the required documentation pertaining to my identification, the detailed information regarding the accounts and inquiries on my credit file resulting from XXXX  that should be blocked and signatures from both myself and an authorized XXXX representative. 

Pursuant to section 605C of the Fair Credit Reporting Act, I kindly requested that TransUnion block this information from my credit report within four business days. I also kindly requested TransUnion to send me notification of the actions taken. It has been about 10 days since TransUnion received my request and they have failed to comply and act in accordance with the Fair Credit Reporting Act. 

I have been advised to go on record and file a complaint with the CFPB due to this now being a direct violation of the Fair Credit Reporting Act ( FCRA ) and opens up the door for legal action. The law pursuant to section 605C clearly states the following : " Section 605C of the Fair Credit Reporting Act ( FCRA ) requires Consumer Reporting Agencies ( CRAs ) to temporarily block adverse information from consumer reports within four business days of receiving a submission. This applies to information identified by the consumer or their representative as a result of XXXX XXXX  or severe forms of XXXX XXXX XXXX. The purpose of this rule is to ensure that XXXX XXXX XXXX are not affected by adverse credit information that may make it difficult for them to achieve financial security. '' I have been advised that If a credit bureau, creditor, or information user violates my FCRA rights, through willfulness or negligence, this can result in civil penalties and I can sue them in state or federal court for damages. This can result in fines of {$100.00} {$1000.00} per violation, actual damages, punitive damages, statutory damages, attorney fees, and court costs. I have been advised that actual damages can include emotional distress, and statutory damages don't require proof and that punitive damages are intended to punish the agency and deter future violations. 

As of today, I pulled my credit report to check for any status updates myself since TransUnion failed to correspond within the legal 4 business day time frame and found that all of the requested and disputed accounts and inquiries on my credit file that I listed in my submission as resulting from XXXX  has not been blocked. 

TransUnion has ignored my request as a consumer and a victim and has violated the FCRA through its inaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fico during COVID 19 Cares act is using information more harshly against XXXX individuals. Everyone from expert XXXX, XXXX, Transunion and fico do nothing to protect the consumers rights under COVID 19 Cares act. Spoke with some XXXX who claims she will check into this however when it happened I called and was assured the late payment would be removed that is driving my fico score down. Being XXXX Im needing the bathroom remodeled from r my ability to take showers. Fico, XXXX, Transunion and XXXX only protect the business which is why fico is being done away with as it is.
Product: Mortgage

I have continuously asked SPS what all of these fees are? I signed a deferral in XX/XX/XXXX. But for some reason, I continue to get fees. When these fees appeared on my account, there were no late payments. I have tried to contact my relationship Manager XXXX, but she must no longer work there. I have been assigned several different relationship managers, but they never call me. It's always some random employee. They call me at work during the day. I have asked that they not. I have reached out to XXXX XXXX who is the supposed note holder, but they have no record of me. On XX/XX/XXXX, I had them become an authorized third party to show that they do not have any information regarding my loan, or my name or my SSN. So how are they they foreclosing party? What benefit are they getting out of it? What are their modification guidelines? There is no record of my XX/XX/XXXX payment that shows on this statement, but does not show on the SPS transaction history report SPS has submitted to you all in the past for complaints. One XX/XX/XXXX I received an escrow analysis for an escrow shortage. It says I have a shortage of {$120.00}, however, property taxes and insurance did not increase during that time. I will provide documentation from my insurance company to verify. It shows an E for estimated amounts, but the amounts have not occured, but yet they charged me for that! I would like to know why my mortgage is an extra {$190.00} each month even when I'm not behind. In the past when they attempted foreclose and even had a sale set in XXXX, they didn't have the assignment attached, but they later went back and attached it. How ironic huh? They supposedly assigned in XXXX of XXXX, but it was not recorded in my county records office until XXXX of XXXX. They only have 60 days not 2 years, but yet this handwritten forged documented was allowed to be used. And a judge let them do it. But it was withdrawn. I fell behind in XXXX and have attempted to get assistance, and all I hear is from SPS saying I can't afford my home. 

I also have an agreement in my mortgage that shows I do no want an escrow account, but SPS went ahead and escrowed w/out notice to me. If I signed that notice, please send me a copy so I can get it to my attorney. 

I never received a rejection letter of my request for mortgage assistance. On XX/XX/XXXX the sheriff sale information was updated and showed my name and address. However, I had until XX/XX/XXXX to bring my account current. I was planning on making that payment before I left town for the holiday, but I thought it would be rejected since the sheriff sale is set. 

I'm at a loss. My children have seen me cry so much in the past dealing w/ this company. I communicated with SPS that my $ XXXX/month child support payment had stopped because the non-custodial parent left town and child support enforcement can not find him. This happened in XX/XX/XXXX. I've been scared to death every since then. I need assistance. 

If it comes to it, I will sell my home a week before the sell to a cash buyer, or I will file bankruptcy to keep this company from getting my home and to keep me from being homeless.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX I opened an account with Bank Of America. I made a check deposit and it didnt clear. They reported that information as a Suspected Fraud Activity on XXXX   XXXX showing an open balance of {$490.00} and now I am not able to open an account which I really need to manage my business. I never tried to commit fraud to Bank Of America. This was not fair.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action.I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # XXXX TRANSUNION HAS VIOLATED ME THE CONSUMER AND ORIGINAL CREDITOR IN NUMEROUS WAYS AND I HAVE TRIED TO SETTLE THE MATTER IN GOOD FAITH AND THEY HAVE IGNORED ME AND NOT SETTLED AS REQUESTED. A NOTICE OF DEFUALT AFFIDAVIT OF TRUTH HAS BEEN SENT TO TRANSUNION ALONG WITH A 3949 IRS FORM.
Product: Debt collection

A new collection appeared on my credit report for { {$120.00} } and ( {$710.00} ) listed as Law Offices MBA and this same company is listed under a different name as XXXX, MBA Law ( alias XXXX XXXX XXXX XXXX ). I attempted to dispute this debt collection on my credit report since I had no knowledge of the account or collection status. The collection agency did not send written information regarding the debt owed but submitted it to the credit bureaus as accurate. I have now have no way of verifying the debt ( original service date, total amount owed, etc ). I suspect this is not a legitimate debt as I have not had any outstanding bills needing attention. 

I recently received a communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. Please be advised that I herby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, namely, a copy of a signed contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of all and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and received any related information herein. Be advised ; if you fail to comply with this demand letter, I may turn this matter over to an attorney.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for the immediate removal of my student loan accounts from all credit reporting agencies due to violations of my consumer rights under federal law.

Under the **Gramm-Leach-Bliley Act ( GLBA ) **, I have the right to opt out of having my **non-public personal information ( NPI ) ** shared with third parties. Companies such as **TransUnion, Equifax , Experian, and any other unauthorized entities, including XXXX XXXX or affiliated businesses, are third parties** and should not have had access to my private information. **You failed to provide me with the required opt-out disclosure, violating my privacy rights. ** Additionally, under the **Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ** : 1. **15 U.S.C. 6802 ( b ) ( GLBA Violation ) ** You shared my non-public personal information without proper opt-out procedures.

2. **15 U.S.C. 1681b ( FCRA Violation ) ** My consumer report was accessed without permissible purpose.

3. **15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) ** Any inaccurate, unverifiable, or unauthorized information must be deleted.

4. **15 U.S.C. 1692e ( FDCPA Violation ) ** Reporting inaccurate or unlawful debt is a deceptive practice.

By illegally allowing unauthorized access to my personal data, you have violated my **federal consumer rights**, which legally warrants the **removal of these accounts** from my credit report. This is **not a request but a demand**.

I expect immediate action. **Failure to comply within 15 days will result in formal complaints filed with the CFPB, FTC , State Attorney General, and potential legal action. ** I require a written response confirming the removal of DEPT OF EDUCATIONXXXX accounts. If you believe you are in compliance, provide proof of my signed authorization allowing access to my personal financial records by third parties. 

This is your final notice before escalation.
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. 

1.XXXX  XXXX XXXX violated my rights, 2. XXXX  XXXX has violated my rights, 3.XXXX has violated my rights , 4. XXXX XXXX XXXX XXXX has violated my rights, 5. XXXX violated my rights, 6. XXXX XXXX XXXX XXXX has violated my rights, 7. XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 8. XXXX : XXXX violated my rights. 

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

15U.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.

I have sent in numerous of letters, the only correspondence I have received is in the documents section below. I also inserted the letters I have sent to the credit bureaus.