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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX 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

At the beginning of XX/XX/XXXX, I applied for an Income Based Repayment Plan. At first, I had to resubmit some income information, which was fine. I supplied everything that was required and received a letter stating that they would process the application. However, on XX/XX/12 and XX/XX/13of 2018, I received correspondence through my electronic inbox that I would requested to have my plan changed to a Standard Repayment Plan, which I never requested. In fact, I had requested the IBR and they sent this in their own words : We received your request to remove your loans from an Income-Based Repayment ( IBR ) plan and to repay under another plan. Then the following day, I received the payment plan terms which said I have to begin making payments of {$1200.00} per month on a monthly income of {$1900.00}. This is why I applied for a plan that was based on my income. Now they are saying that before I can even reapply for a lower payment I must make this payment in full for a month. This will cripple me and may end in the loss of my home or car if I have to make this type of payment. Again, this is why I applied for the IBR, which the servicer now claims was an application for a standard repayment plan. If I was already on the standard plan how or why would I request the standard repayment plan. It does not make any sense and I can not pay the standard plan. That is why I applied for the IBR and sent in all documentation stating my income / eligibility.
Product: Credit card

Received blue cash preferred from American Express about XXXX and started purchases on XXXX. Today received first statement with a XXXX $ assessed annual membership fee. 
When applying on line for ABOVE card I do not recall seeing any such fee. Have concluded using this card for the assessed fee. My charges have concluded with my two week and three days XXXX.
Product: Credit reporting or other personal consumer reports

I am beyond frustrated with the accounts on my credit report that are currently in pending litigation and inaccurately reported. Ive contacted you multiple times, yet nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX I sent the credit bureaus an FTC report in regards to information on my consumer report that is a result of fraud. XXXX XXXX XXXX Account # XXXX was initially removed and reinserted on my credit report. I do not provide written permission or instructions for the account to be reported on my comsumer report.
Product: Credit reporting or other personal consumer reports

Hello and good day! There is erroneous information on my credit report, this is really worrisome. My XXXX XXXX  is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to report that I am a victim of identity theft. Starting from XX/XX/XXXX to XX/XX/XXXX, all the details will be attached on Identity Theft Victim 's Complaint Form below. I discovered that unauthorized bank accounts, credit cards, and other financial accounts. I also received notification that a new credit card had been opened in my name without my knowledge or consent. 

I immediately contacted my bank, credit card companies, and other financial institutions to report the suspicious activity and to request that my accounts be monitored for further fraudulent transactions. I also filed a report with the Federal Trade Commission ( FTC ) at identitytheft.gov and obtained an Identity Theft Report based on my complaint. 

I have also placed a fraud alert on my credit reports with the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ) and have requested that a credit freeze be placed on my accounts to prevent any new accounts from being opened without my permission. As well as unauthorized accounts deletion which has been denied. 

I have filed a police report with my local police department and provided them with any documentation or evidence that I have related to the identity theft. 

I am monitoring my credit reports closely and checking them regularly for any new accounts or suspicious activity. I am also working with my financial institutions to resolve any issues related to the unauthorized transactions but could not achieve any results. 

Please let me know if you require any further information or documentation from me in order to assist with your investigation of this matter. 

Thank you for your assistance in this matter. 

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

first the car dealership had added my name on to this loan without my permission only for my daughter to find out after filing chapter XXXX bankruptcy where the debt was reorganized and corrected to now reflect on her name on lt, and the company made a promise to correct this to not reflect on my name as the rightful owner made all of the required payments for the past year, well upon calling emailing and disputing this invalid debt is still showing up on my credit report when it should only be on my daughters report which she has called them and confirmed this on several occasions and was promised that the problem will be fixed and the reporting will be corrected
Product: Debt collection

I XXXX XXXX recently reviewed a copy of my credit report and noticed that LVNV is reporting an alleged debt that has the original creditor to be XXXX XXXXXXXX XXXX. This alleged debt was not verified or validated under 15 USC 1692g which the debt must be validated before seeking any action. By placing this account on my credit report this has caused severe harm and frustration in my life. I do not have a contract with this alleged debt and never received anything from the debt collector. 

XXXX XXXXXXXX XXXX has a clear arbitration clause in their agreement so if this alleged debt was indeed mine then we would have to go through arbitration instead of using a debt collector to buy this debt for pennies. Below are the terms and agreements that LVNV should have read and understood before accepting this alleged debt. This shows that LVNV is truly in the business of buying debt instead of verifying the actual debt.

This debt is not mine and cease and desist all communication. Communication is reporting to my credit report. 15 USC 1692c.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue with late payments on my credit record. After reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue promptly and effectively.
Product: Credit reporting or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % factual information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information they refuse to remove off of my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. If they arent removed I will be filing an IRS form XXXX reporting them for unreported income, false/altered documents/unsubstantiated income, and KICKBACKS, since these companies are paying Transunion to do business with them. Im also demanding that Transunion pay me {$1000.00} for violation for failure to properly investigate! I will also be filing a small claims lawsuit in court and willing to take the case all the way to federal court for defamation of character because it looks like Transunion is refusing to remove these fraudulent inquiries due to their business relation with these companies if they dont remove them Ill file attached paperwork and demand a court date. 

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

Personal lien just showed up on my credit report, about a month after it was completely paid off. The credit report does not show its status at all, implying it is still active, and it should appear in some sort of closed/fulfilled state. I tried to report the problem to XXXX, which provided the credit report to XXXX, where I saw it. Their webpage did n't load anything at all, just had " Please wait for page to load '' in the header. [ https : //www.ai.equifax.com/ ] I tried to call them at the number given at the bottom of the report I saw [ also contained with the Vermont Consumer Notification ], and there was no way to talk to someone about this there.
Product: Debt collection

I am unaware of this debt, I did not have the right to dispute this debt which is a violation according to 12 CFFR 1006.34 ( c ) ( 4 ) ( i ). You have not provided me with validation information but placed a collections account on my credit report. I did not receive proper notification. If in fact you believe you gave me proper notification please provide the certified mail with the signature stating that I received this.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX last four digit SS # XXXX todays date XXXX I reviewed my Consumer reports and made a dispute XXXX. 

I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 100 % on time thank you I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ASKED FOR PROPER INVESTIGATION TO BE DONE AND PROOF TO BE PROVIDED ON THE PROCEDURE OF INVESTIGATION AND RESULTS. 
SINCE PROOF CANT be provided I DEMAND these payments be updated to on time as they should be as I was NEVER Late. 
P.s This is holding me back from getting a new job, and a NEW HOME FOR MY FAMILY Thanks, XXXX XXXX XXXX XXXX XXXX COMPANIES ARE IN VIOLATION OF FAIR CARES ACT LAW USC 1666b timing of paymentsUSC 1681i procedure in case of disputed accuracy USC 1341 frauds and swindles USC USC 1692e false or misleading representation
Product: Credit reporting or other personal consumer reports

On XXXX TransUnion LLC has failed to truly do an investigation and have denied me my rights to dispute, this inaccurate, incomplete, unverifiable, or was option as a result of identity theft, account/report data listed below. This has been done in violation of 16 C.F.R. The Gramm-Leach-Bliley Act, The Fair Billing Act, The Fair Debt Collection Practices Act, The Fair Credit Reporting Act and State Laws. 

See attached documents.
Product: Mortgage

The issue is regarding XXXX standalone loan modification. They refuse to XXXX me for eligibility. 
AmeriHome Mortgage calls me and then hangs up quickly. In the instances I pick up the phone call, they will not readily identify themselves and ask me to give sensitive information without confirming who they are. 
I have reached out in secure communication via email. No reply regarding the modification is mentioned. I feel its a tactic to avoid reviewing to see if I qualify for the loan modification
Product: Money transfers

On XXXX XXXX, 2017, I accessed Xoom.com with the intent of transferring $ XXXX from my XXXX XXXX XXXX account to a XXXX XXXX XXXX XXXX " XXXX '' XXXX account held by a XXXX XXXX After I input all required information for this transfer, I was sent an email notifying me the funds should be available to my XXXX friend on XXXX XXXX. Shortly thereafter on the same day, I was asked to verify additional information, which I did immediately. I received a text message from Xoom the morning of XXXX XXXX, stating my " transfer to XXXX was sent to XXXX XXXX XXXX. Transferred XXXX XXXX ''. However, later than morning, I receive a email message from Xoom stating " We 're sorry, Xoom or our partner has encountered an unexpected problem processing transaction XXXX. We 've cancelled the transaction at this time and sincerely apologize for any inconvenience. '' When I contacted Xoom about the " problem '', I was told that XXXX declined the exchange rate which Xoom had used to induce me to send the transfer through them, and therefore Xoom had to cancel the transfer. I assume this meant XXXX now required a more favorable rate than that which Xoom has sold to me. When I pointed this out to Xoom, they said they could not reinstate my original transfer for any reason. Based on these facts, it seems clear that even though Xoom created a contract with me using a certain exchange rate, they decided not to honor such when their partner increased its exchange rate. This would not only be a breach of contract, but a very unscrupulous means of doing business.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX original creditor XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Payday loan, title loan, personal loan, or advance loan

I was going through a hardship at the time of trying to pay this loan back in installments but I started having health issues which resulted in me not being able to work. Once I learned the company sold the account to Jefferson Capital Systems, I reached out to XXXX XXXX XXXX  to try and resolve the issue they told me to contact Jefferson Capital.
Product: Debt collection

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I have already mailed you this letter previously and I did not get a response by mail. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. I am also requesting all financing paperwork 5. Iam also requesting the Dealer documents 6. I am also requesting the redemption notice that you were suppose to send to me that I never received.

7. I am also requesting the deficiency notice that you were suppose to send to me that I never received.

8 Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
Product: Mortgage

During the fall of 2016 I was going through my first home purchase. I was prequalified with a loan and what I could afford. I realized the house had to have flood insurance so I was checking out prices and my mortgage loan officer XXXX XXXX with XXXX XXXX XXXX XXXX XXXX said they did insurance there at the bank so I thought I would check with them. They give me the amount of around {$800.00} annually. So I decided to go with them and paid and received a certificate of coverage on XXXX. And I asked the Insurance guy XXXX XXXX with XXXX XXXX XXXX XXXX if everything was good and he said yes. I later found out I could have assumed the previous homeowners insurance for the same amount. So I proceeded and closed on the house XXXX. I get and email XXXX from XXXX XXXX and he said : 'I got this notice from the flood insurance that according to the comments on the elevation certificate, it appears the building may be floodproofed. Can you verify if is and get a copy of the floodproofing certificate? Sorry, but this is how this flood insurance goes '' So I now trying to track down a flood proofing certificate that doesn't exist. And now the annual policy is {$8200.00}. At that rate I would have never qualified for the loan, nor would I have bought the property. So now I am stuck and no one will apologize nor take any responsibility. Now I am stuck either paying {$8200.00} which I can't afford so I don't pay it. Next I get a letter in the mail from US Bank saying they are going to force coverage if I don't get adequet coverage. So I let them force coverage. But somehow they got the additional coverage for around $ XXXX {$2200.00} I don't have that amount readily available but its in that area. But still on top of the {$800.00} I paid for the other policy which is only partial coverage it is $ XXXX {$2200.00} more! Thats a substantial amount and I would not have qualified for the home because of debt to income ratio. No one has offered a solution to the problem and now I can't pay my mortgage and it is being forclosed on. I need help immedialtly or myself a single father with custody of my kids we are going to be homeless. 

Parties are : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, ND XXXX US Bank Home Mortgage XXXX. XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, ND XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I had to take a forbearance under the COVID-19 Care Act. My mortgage reported and still reports me 2 times 90 days late/ 4 times 60 days late and 2 times 30 days late. I have reached out to my mortgage company XXXX XXXX XXXX XXXX which is now XXXXXXXX XXXX but when this took place the mortgage was with XXXX XXXX  XXXX, XXXX XXXX  XXXX sold the loan to XXXX XXXX. 

On XX/XX/XXXX, I called XXXXXXXX XXXX to inform them that my issue was due to COVID-19. They mentioned they needed to conduct an investigation but did not respond until XX/XX/XXXX. During the call, they stated that they would remove the items within 15 days at the latest. I requested written confirmation, and the representative assured me that it would be mailed to me. However, as of today, XX/XX/XXXX, there have been no changes to my credit report, nor have I received any written communication. 

Please help me get this fixed. This was discovered when I was applying for a home loan and stop me from moving forward with the home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Wells Fargo accepted a payments from me then i sent them another payment and they sent it back. I have asked for a reinstatement figure. I am presently raising the money to bring my loan current. I have most of the money but will I have enough time? 

I tried to speak to Wells Fargo representative they said I have no more chances to get any help from Wells Fargo. The so called re-entry team will not even talk to me. 

After submission of over 20 or 30 documents they requested every week while I was trying to work with them each week. 

As soon as I sent them every item they requested on the list for the underwriter that changed according to them every week I had to start over. 

My house is all I have. I have tried to pay a large sum down and make payments each month to be considered for a workout they wo n't to anything to help me. 
Please help me save my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX