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

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. After calling and disputing them on multiple occasions. I even sent a Multiple Inquiry Letter Removal. Equifax received my letter between X/XX/2017. I received an email saying my investigation was complete on X/XX/2017. I  received the attached file which all have same results " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : '' According to FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it 's files. The fact that I received a response the same day after the receipt of Equifax receiving, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, which is not the case. I am submitting this complaint due to the lack of investigation i to my original dispute for hard inquiries on my report that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. In regards to this issue and have not heard back from Equifax. I would like for the below inquiries to be deleted. XXXX XXXX ( with multiple inquiry dates ) XXXX XXXX ( with multiple inquiry dates ) XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First, I'd like to say thank you so much for taking the time to read my complaint. My issue is simply this, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX, made a verbal agreement with me to settle a debt for {$500.00} back in XX/XX/XXXX. The original debt was for {$960.00} for a hospital bill to which the obtained my info illegally. To date, I already paid {$100.00}, which was back in XX/XX/XXXX. I did not make any further payments after noticing on their website that our {$500.00} agreement was not listed nor, could I see what the remaining balance was, which struck me as odd. Our verbal agreement had no time limit, dates etc. to which I'd be in default. XXXX XXXX never sent me an actual " stipulation settlement '' agreement via mail, email or otherwise for {$500.00}. I contact XXXX XXXX on a few occasions most recent ; XX/XX/XXXX and today, XX/XX/XXXX regarding default and legal papers that were sent to my home for original debt of " {$960.00} ''. I understand that this debt was to be paid, but I would like to know why I was not sent " stipulation settlement '' for the {$500.00}, and how can I be default of said verbal agreement? It's like it never happened. My concern was that if I paid the total of {$500.00}, I'd still get letter and court judgments for the entire balance. I gave XXXX XXXX my email address and my phone number on a few occasions. So, it's not that I'm trying to get away with not paying a debt, it's the principal of the matter, we had a verbal agreement. And, the fact that each time a debt collection agency makes an agreement with a consumer, there should be a discussion, followed up with written letter as to was the agreement is and what constitutes as being in default of said agreement. The most recent letter I received for a court appearance mentioned nothing of original agreement and still shows a balance of " {$960.00} '', which is still not correct. Any assistance would be greatly appreciate.
Product: Mortgage

they are ignoring my e-mails and letters and phone calls.  I can afford my month mortgage payment; I feel behind in XX/XX/2019 due to a martial separation and family emergency; I made a payment of $XXXX in XX/XX/2019. they refuse to help me and they are sabotaging my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Fair Credit Reporting act XXXX Account # XXXX, 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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute I initiated with Equifax, which I submitted XXXX  days ago. As of the date of this letter, I have not received any response or resolution to my dispute. 

I sent my disputes via priority mail on XX/XX/year>. I received a letter from Equifax dated XX/XX/XXXX which was their usual stall tactic ( there is another CFPB dispute in progress regarding this ) stating that they could not read my documents although they were clear and legible as usual. XXXX tracking indicates that the package was received by Equifax on XX/XX/XXXX at XXXX am. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit reporting agencies like Equifax are required to investigate any disputes within XXXX  days of receipt. This failure to respond to my dispute within the prescribed time frame is a direct violation of the FCRA, which mandates that credit reporting agencies must perform a reasonable investigation and report back to the consumer promptly. 

The items I disputed have not been verified, nor have they been removed or corrected. I am requesting your assistance in ensuring that Equifax adheres to the law and either provides the proper verification or deletes the disputed items from my credit report. If Equifax is unable to provide sufficient verification of these items, I expect them to be immediately removed, as required under the FCRA.
Product: Debt collection

They call XXXX or XXXX times a day let it ring once and stop. It is getting annoying. Has been going on for months now.
Product: Mortgage

I am the legal owner of a property, which is still encumbered by a second mortgage originally held by SunTrust Bank, now allegedly by Truist Bank. 
This second mortgage was charged off on XX/XX/XXXX, as confirmed by Truist in its prior CFPB response. Since then, there has been no foreclosure, no payment, and no collection activity for over XXXX ( XXXX ) years. 
In XX/XX/XXXX, I received a delayed copy of a letter dated XX/XX/XXXX, in which Truist stated it would retain the lien until the debt is paid or settled. I believe this constitutes an attempt to collect on a time-barred debt, in violation of Florida Statutes 95.11 ( 2 ) ( c ) and the Fair Debt Collection Practices Act ( FDCPA ).

The CFPB has issued an Advisory Opinion under Regulation F ( 12 C.F.R. 1006.26 ) confirming that debt collectors may not sue or threaten to sue for time-barred debts, including mortgage liens.

I am requesting that Truist release the lien and confirm that no foreclosure or enforcement actions will be pursued, given the age and legal status of the account.

Attempts to contact Truist via email at known addresses were unsuccessful. This formal dispute is therefore submitted through certified mail and the CFPB portal for proper documentation.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX2024 SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XXXX/XXXX/24 WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALL NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.
Product: Debt collection

National Recovery Agency is attempting to collect a debt that is not owed also did they violated hippa
Product: Money transfer, virtual currency, or money service

I have contacted XXXX XXXX XXXX and they have revised the payment of XXXX back to cashapp. Cashapp customer service claims they see nothing pending and XXXX has jumped thru hoops showing that they have sent the funds back. Cashapp has no direct customer service manager or line. To fix this situation. 


My cashapp name is XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a cr
edit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I have attempted to have this debt as a result of Identity Theft removed from my credit several times over the past 2 years with this company and they refuse to honor my requests. This agency increases the best by a dollar each week to ruin my credit when I have contacted them several times to remove this debt. 

They have conducted in a unprofessional manner and illegally collecting on a debt and increasing that debt twice a week to damage the debtors credit.
Product: Debt collection

Theyve called me Everyday 7 8 times a day starting the beginning of XX/XX/2019. XXXX after me asking them repeatedly every day, to not call my phone before XXXX.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX  m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX BANK XXXX {$120.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$4500.00} I looked at my Transunion credit report on XX/XX/year>2024, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2, they are supposed not to 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 card

I am writing to explain an ongoing and unresolved issue regarding fraudulent activity associated with the Military Star Exchange Credit Program. Without my knowledge or consent, a credit card was opened under my name, and charges totaling {$5500.00} were made to this account. This unauthorized activity was then sent to federal collections, resulting in the garnishment of my tax return. 

The Military Star Exchange Credit Program allowed this credit card to be opened without verifying my identity, and the fraudulent charges were made in my name without my authorization. This situation has caused me significant financial harm and distress, as I was unaware that this credit account even existed until the collection actions began and my tax return was garnished. 

I have taken every possible step to address this matter, including submitting multiple police reports and providing a letter from my state attorney general confirming the fraudulent nature of the charges. Despite these efforts, the Military Star Exchange Credit Program has refused to respond to my numerous inquiries and requests for resolution. They have failed to investigate or correct the wrongful actions taken under my name, and their continued lack of response is deeply concerning. 

I am left in a position where my financial well-being has been impacted by fraudulent activity, and yet the institution responsible for the credit card has not taken accountability or made any effort to resolve the situation. I urge further investigation and immediate action to correct this issue, as the Military Star Exchange Credit Program 's failure to respond and address this case is a clear violation of my rights.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$470.00}
Product: Credit reporting or other personal consumer reports

Upon review of my updated credit report, I noticed that a debt buyer had obtained my credit from another source and I did not authorize this debt to be sold to this debt buyer.
Product: Debt collection

TEKCollection debt consulting agency XXXX XXXX XXXX - XXXX {$140.00} I was treated at XXXX XXXX XXXX of XXXX in the month of XX/XX/2018 and paid co-pay during my visit. I was told by the XXXX XXXX  that i don't need to pay anything out of pocket as it was a checkup for flu and no lab tests or any XXXX was taken. They have prescribed some medicines and i walked out of the Urgent care. Later i received a bill for {$140.00} which i have been disputing from TEK collect for past one and half years explaining the above thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account name-XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?
Product: Student loan

I hope you will help with my Navient School Misconduct Application. I emailed Navient to request the application at advocate @ XXXX on XX/XX/XXXX. Navient supplied the application to me XXXX  days later via their portal online on XX/XX/XXXX. On XX/XX/XXXX Navient notified me via email that XXXX would now be servicing my loans. I immediately completed the Navient School Misconduct Application and submitted it via email to them on XX/XX/XXXX. 

It seems suspicious that I requested the School Misconduct Application from Navient and a few days later they informed me via email that XXXX would be my new servicer in XXXX  days. Then the application required XXXX  days. It would seem Navient is attempting to transfer my loans to another servicer to avoid discharging them before they have to respond to my application. 

They would not accept the application via email but required it be faxed or mailed causing delays with their 'acceptance ' of my application. 

Then the fax took additional time. Finally, on XX/XX/XXXX & again on XX/XX/XXXX they acknowledged they received it. 

It has now been XXXX days since I submitted my application on XX/XX/XXXX. 

Thank you again for all you do.
Product: Mortgage

I called my mortgage servicing company to as what they are offering as far as forbearance plans because I am a XXXX XXXXXXXX and wanted to be informed and inform my clients. The company, New Rez, under Shellpoint Mortgage Servicing, told me someone would call me back. They never called. Instead, I got a letter stating that I was now in a forbearance plan and did not need to pay my mortgage payment. I called them to clarify that I did not need the plan, I just wanted to get information. They apologized and even said that they would file a complaint on my behalf for the misunderstanding. After a few confusing letters contradicting each other, I called them back again on XX/XX/XXXX. They reassured me that I was not in a forbearance plan and that nothing would be reported to the credit bureaus. On XX/XX/XXXX, today, a change was made to my credit report stating that my mortgage was " affected by natural disaster ''. This is exactly what I did not want to happen. I never agreed to any terms of a forbearance plan, verbaly or otherwise. I payed my payment on time, every time. I even pay a {$100.00} more per month to bring my principle down faster. The companies website is https : //www.shellpointmtg.com/
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my XXXX credit report that I do not recognize. I have notified XXXX in writing of the unrecognized inquiries and they responded with a letter telling me to contact the companies who received my credit report to find out if they opened an account in my name and that they can investigate and determine it was fraudulent. I do not know who the companies are that accessed my credit report but I know that they did not have my consen or permissible purpose.. The other two credit bureaus XXXX XXXX XXXX XXXX  ) did not report those inquiries. XXXX is willfully and knowingly in clear violation of the FCRA amongst other federal regulations and statues. XXXX is taking advantage of the consumer laws by dismissing my dispute without investigation! This problem has caused me much stress and XXXX  and has had a negative impact on my life. 
The second issue with XXXX is an account that is reported as a collection on my account that I do not recognize. I wish to see the original contract with wet signature of mine. It is an alleged debt of over {$4000.00}. I demand to have this account removed from my credit report. I have disputed this account and never even received a letter back from XXXX or notification of an investigation. I do not wish to have to seek counsel regarding these matters but it looks as though I may have no other choice.
Product: Mortgage

I am part of the XXXX Federal employees who have recently been furloughed due to a lack of funding for my agency. Because of this, my income has been severely cut and I am unable to pay the cost of my monthly payments, along with my other living expenses ( food, clothing, utilities, etc. ). 

On XX/XX/XXXX and XX/XX/XXXX I spoke with my loan servicer " Mr. Cooper, '' to request a temporary arrangement that would help me continue to meet my monthly mortgage payments in the amount of {$2300.00} without incurring late penalties and impacting my credit rating. 

In summary, Mr. Cooper will not consider my special situation ( or that of any of its Federal employee customers ) until I have already incurred late penalties and become delinquent because it is an intermediary ( loan servicer ) to the owners of my mortgage ( XXXX XXXX and XXXX XXXX. When I asked to contact XXXX XXXX and XXXX directly, Mr. Cooper clarified that I would have to do it via Mr. Cooper. 

I am extremely disappointed and concerned that my loan servicer Mr. Cooper coupled with mortgage owners XXXX XXXX/XXXX have not put a program in place to work with Federal employees while the government shutdown is resolved. Their current process of waiting for me to become delinquent adds to the hardship that my family is already experiencing. By charging me late penalties and damaging my credit, Mr. Cooper, XXXX XXXX and XXXX appear to be ignoring and showing ambivalence to the plight of their Federal customers. 

I have been diligent in protecting my credit and avoiding penalties I can not afford to pay. Furthermore, as a loyal public servant, I have worked hard, to be honest, and transparent with my creditors ; to make my mortgage payments on time and secure my home. I would greatly appreciate it if Mr. Cooper, XXXX XXXX, and XXXX would show willingness and understanding to work with me during this difficult time. 

I have sent Mr. Cooper a letter stating my distress. I would be grateful for any assistance the Consumer Financial Bureau can give me.