23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In order to even dispute an issue with Equifax they require : a valid drivers license, a XXXX or social security card, and a current utility bill with a current address all within 24 hours. All of this information must be sent to Equifax within 24 hours of the dispute via fax or mail with the XXXX digit confirmation code. This requirement creates an unjust and unfair business to the consumer and only makes it more difficult to file a dispute for incorrect information. Having already validated all of my information and provided my social security number and personal information, this is only to prevent consumers from filing disputes. Some consumers might not have access to their XXXX 's or social security cards ( I do not have mine ) within the 24 hour time period. This is a situation that needs to be looked into.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I checked XXXX credit report and noticed a fake address and credit card in my name ( mis spelled ) which was not paid by the identify theft which created a low credit report rating. 

I contacted TD Bank XXXX  but the info they said they mailed out to me was supposedly returned and I never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Trans Union, XXXX and XXXX about not receiving verification of inquiries on credit report! According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items. MUST BE REMOVED!
Product: Mortgage

This is my second complaint. My previous complaint involved the failure of Seterus to credit my mortgage payments for XX/XX/XXXX and XX/XX/XXXX. After you contacted them they corrected the issue. They stated the reason my payments were n't credited was because my account was flagged due to a pending loan modification and trial payment offer. I never requested a loan modification. However, they credited the account and sent me a statement reflecting my payments. They also sent me paperwork stating my loan modification offer was cancelled at my request. Great! I never requested a modification nor did I request it be cancelled. Since they credited my account appropriately I thought all was fine. Today, I attempted to log onto the website to make my payment and my login is redirected. The screen I am redirected to says, '' thank you for applying for hardship assistance '' and I am directed to complete paperwork for a modification. I have not requested hardship assistance and I believe it is less than honest to redirect the website upon login to make it look as though I have. To be clear, i do not want a modification and I am not requesting any hardship assistance. Today when I arrived home a package was waiting that stated Congratulations your modification has been approved. What modification?. This company is either really confused or they are playing games. Is this the modification that was cancelled at my request? If so, why is it now approved? I just want to make my payment and have it appropriately credited to my account without all of this nonsense. After the last issue was resolved in XX/XX/XXXX, I somehow ended up with a {$200.00} plus dollar over-payment sitting in my suspense account which is odd since I paid the amount my statement showed was due.
Product: Debt collection

Yes, I paid my debt for an auto debt on XX/XX/XXXX. Was sent a letter that was paid on XX/XX/XXXX. On XX/XX/XXXX it showed on my credit report that it was not paid. I will like it off my credit report or at least showing with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX, XXXX. 
XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX I.D . Theft Case Ticket # XXXX debt date opened XX/XX/2014 according to XXXX. XXXX, XXXX. 

Collection {$60.00} ( XXXX, XXXX, XXXX ) Trying to collect debt.
Product: Mortgage

I was on a forbearance plan from XX/XX/XXXX through XX/XX/XXXX. When coming of of the forbearance plan I contacted the loan servicing company for a loan modification they denied so I contacted XXXX whom instructed them to give me the loan modification. At the time covid 19 was still very heavy in XXXX, I take care of my XXXX she came from school with covid we didnt know at the time, when she went home her XXXX called and told me that she had covid and that I needed to quarantine. While on my trial plan with the servicing company I was unable to make my XXXX trial payment on time which would have been my last trial payment. I have made the trial payment for XXXX XXXX and it was made within the threshold but the servicing company still refuses to comply I had to reapply for a new modification. I responded to the letter of denial for loan modification by email and in writing they are saying they didnt get them. At the time that I was offered the trial payment plan, I was trying to save money to bring my account current from post forbearance I had {$1100.00} dollars saved. I sent those payments to the loan servicing company because I was afraid that with school going back full force covid would flair up again and if I missed. Payment I would be secure with those payments in a suspense account. The loan servicing claims to have applied the payments to my account the same day which was XXXX XXXX, XXXX. Nothing came of off my balance due and Even-though I have a total of seven payments from XXXX XXXX until XX/XX/XXXX my balance due went up instead of down. The same day that I paid the {$1100.00} in XXXX {$860.00} dollars was removed from the account. When I call to talk to them they tell me things like Cooperate advance. I know that cooperate advance is a fee the loan services take for themselves and has nothing to do with regular things like escrow or taxes and insurance. They refuse to fix their misapplied payments which have been going on since XXXX. Trying to talk to anyone there or getting in touch with my point of contact is next to impossible. Theirs phone system do not have extension options and the email I have for him does not work, sometimes I wait on the phone for someone to answer and when they they dont have answers. I am afraid to make payments to them because no matter how much I pay them my balance goes up instead of down. Again this has been going on for over three years with the misapplied payments and they refuse to correct it or listen to me, and they refuse to all me to bring the loan current with a loan modification even after I was affected by covid
Product: Student loan

I went to XXXX College in XXXX XXXX, MA while the school was being sued- it was a joke school and pretty expensive. Many people have been repaid for this issue. I would like to address this as soon as possible because it has been effecting my credit score for years now.
Product: Checking or savings account

I have experienced horrible service with Fifth Third Bank so far! I have called the bank 5 or 6 times for resolution. I have also sent secure messages. I was able to set up all my bill pays and make payments on XX/XX/2020. Since then I have been blocked. For days I was blocked from logging into XXXX on my computer. Now Im unable to receive text alerts, unable to transfer funds between my checking and savings, unable to send out bill payments do a security block popping up to protect me Customer service response? Your risk score is too high because you are a new customer and you keep doing things to raise your score like trying to transfer funds or using bill pay and logging in using your computer and your phone. Dont log into XXXX for a week! This will bring your risk score down. My response how will I pay my bills? No suggestion, no resolution at all.
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

I called Proficio financial service to provide me with contract or contractual agreement between me and all XXXX XXXX XXXX  They didnt because I dont have an agreement with them. They were supposed to get an approval from the insurance company before start doing any work. The insurance company approved {$3800.00}. And the business sent them a check in that amount. 

I asked Proficio financial services to provide me the agreement or Estimate or signed contract binding me to the claimed debt that I dont owe. They didnt. It is a scam. 

This the fourth complaint against Proficio financial services and all XXXX XXXX XXXX asking them to provide the contract for this false debt. 
They were sending me invoices that I never approved or authorized. 
My signature is not on them to bind me to this debt because I never approved it.
Product: Mortgage

My deceased father 's XXXX XXXX home may be going into foreclosure due to XXXX Loan fraud. On XXXX/XXXX/XXXX XXXX XXXX mortgage lender ( out of business as of XXXX ) had a phone interview with my father. There was no XXXX Counseling certificate and no loan application singed by the deceased homeowner. On XXXX/XXXX/XXXX an appraisal was done on the property. According to the Hud FHA guidelines nothing can be processed until the homeowner has counseling and the certificate is signed by the homeowner and counselor. FHA requires a case binder for XXXX loans during the lifetime of the loan. At this time, I am requesting any documents pertaining to XXXX XXXX XXXX LOAN. Please note, the loan was transferred to XXXX XXXX XXXX on XXXX/XXXX/XXXX, whom was found liable due to mortgage fraud. Then on on XXXX/XXXX/XXXX the loan was transferred to Nationstar which is now being investigated by NEW YORK STATE Department of Financial Services due to improper fees, mortgage modification and lost paperwork.
Product: Credit reporting or other personal consumer reports

Escalation of Unresolved FCRA Violations by Transunion - Third Notice I am filing this third complaint against XXXX for their continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This complaint follows two previous unresolved complaints : 1. Initial complaint # XXXX submitted on XX/XX/year> XXXX. Second complaint # XXXX submitted on XX/XX/year> Nature of Complaint : Transunion has demonstrated a pattern of non-compliance with FCRA requirements by : 1. Failing to respond within the mandatory 4-business-day timeline to block disputed items as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) 2. Ignoring multiple FTC Identity Theft Reports ( Numbers XXXX, XXXX, XXXX, XXXX ) 3. Failing to conduct the required reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) 4. Not providing the legally required description of their verification procedures under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 5. Maintaining disputed information without proper verification, in violation of FCRA 611 ( a ) ( 5 ) ( A ) Timeline of Non-Compliance : XX/XX/year> : Initial CFPB complaint filed ( Complaint # XXXX ) XXXX XXXX : Second CFPB complaint filed ( Complaint XXXX XXXX ) XX/XX/year> : No action taken by Transunion after 5+ days This pattern of non-response and non-compliance suggests willful violation of FCRA requirements. Under FCRA 616 ( 15 U.S.C. 1681n ), willful non-compliance subjects XXXX to : Actual damages sustained by the consumer Statutory damages of {$100.00} to {$1000.00} Punitive damages as determined by the court Costs of the action and reasonable attorney 's fees Requested Resolution : I demand immediate action from Transunion to : 1. Immediately block all disputed items referenced in my previous complaints 2. Provide written documentation of : o The specific method of verification used for each disputed item o Names and addresses of all information furnishers contacted o Explanation for their failure to respond within statutory deadlines 3. Remove all unverified items from my credit report 4. Provide compensation for any credit denials or adverse actions taken due to their non-compliance I request that the CFPB : 1. Investigate Transunion 's pattern of non-compliance 2. Enforce the statutory deadlines and requirements under FCRA 3. Consider this repeated non-compliance when evaluating penalties 4. Ensure Transunion provides written confirmation of all actions taken within four days Previous Reference Numbers : CFPB Complaint XXXX XXXXXXXX CFPB Complaint XXXX XXXXXXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report XXXX XXXXXXXX FTC Identity Theft Report XXXX XXXXXXXX FTC Identity Theft Report XXXX XXXXXXXX I authorize the CFPB to share the details of this complaint with other government agencies if necessary for resolution or enforcement purposes.
Product: Vehicle loan or lease

Back in XX/XX/XXXX I gave my XX/XX/XXXX XXXX XXXX back to Santander consumer now XX/XX/XXXX the charge it off n sent me a bill for {$4000.00} basically now they is still reporting to all three bureau that Im late on payment how can u be late on something was charge off in XX/XX/XXXX now all XX/XX/XXXX-XX/XX/XXXX they been report as late payment how can they keep doing this is all i want to know
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The time frame is 7 year and it says I have a XXXX from XXXX I was XXXX in XXXX and both of those date are very hard to find in the description it goes in to detail of XXXX times and XXXX thats not accurate..in the last year it has stopped me from getting a good job 3 times now also my address of where I lived are no where close to being accurate
Product: Credit reporting or other personal consumer reports

The listed eporting Agencies have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Ive had numerous hard Inquiries on my credit report which I havent had access to for over a year. I had a XXXX reported on XX/XX/2023 and then two XXXX reported on XX/XX/2023 and XX/XX/2023. I had a report for a XXXX on XX/XX/2023. I had two reports from ONEMAIN on XX/XX/2023 and then XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX 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 USC1681 has violated my rights.

15 USC1681 SECT 604it also states a consumer reporting agency can not furnishan acct w/o my written instructions 15 USC1681c ( 5 ) No consumer reporting agency any of the following other than records of convictions of crimes for more than7yrs.

15 USC 16815-2 ( a ) 1 a person shall not furnishany info to a consumer credit agency.if the person has reasonable cause to believe info is inaccurate. 
CBE group {$910.00} acct # XXXX XXXX XXXX  {$940.00} acct XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, After reviewing my credit report i noticed there is a Bankruptcy court item listed on my credit reports. Per FCRA 623 ( a ) ( 5 ) If the credit bureau can not VALIDATE the information with the XXXX CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the XXXX Bankruptcy court. 


The bankruptcy court mailed me a letter stating they do not provide any information to credit reporting agencies. Nor do they ever validate and or confirm public records. 

The Credit Reporting Agencies are breaking the law and ARE COMMITING FRAUD AS they NEVER validated these public record entries on my credit report, which is violation of 15 USC 1681 ( a ) e. An investigative consumer report is when any portion of which information on a consumer 's character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items or information.

See enclosures.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : FOR ROUND 1 : Personal Information Also Known As : XXXX XXXX  XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXX, Also Known As : XXXX, XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX Former : XXXX XXXX  XXXX Employers : XXXX  Collection/Charge Off XXXX  XXXX XX/XX/XXXX {$23000.00} Late Payment XXXX  XXXX XX/XX/XXXX INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Credit Card Company Complaint Barclays Bank Delaware XXXX On XX/XX/XXXX a check in the amount of XXXX was mailed to Barclays Bank 's remittance address for payment on the outstanding balance of my credit card account. 

On XX/XX/2020 the check cleared, but Barclay did not update the balance due on my account. 

I contacted them and they said to wait a few weeks. 

I called every week and they said to give it more time. 

I waited till XX/XX/2020 and I called again, this time i had a copy of the check front and back from my Bank ( XXXX XXXX ) as evidence that Barclay deposited the check into their account on XX/XX/XXXX. 
A complaint number was opened and I faxed them copies of the check that clearly show my account number and the correct remittance address. The back of the check shows the Barclay endorsement stamp. 

They said it would it take a yet a few more weeks, .... 

Well now its XX/XX/2020. over 8 weeks later and they wont respond to my emails online messages or calls for status updates.. 

They wont send me a letter email or phone call. Nothing! They still are billing me for the amount due that I Paid 8 weeks ago. 

They were allowed to take my money without updating my account and no one can stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by lawyers wanting to represent me in order to get rid of hard inquiries and derogatories on my account. I wasn't aware that there were hard inquiries and do none have contracts with these companies. Due to the fair credit reporting act, legally, these unverified and unauthorized items need to be removed. Please remove them. The accounts are as followed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX  date XXXX, XXXX account number XXXX has violated my rights this account was not authorized by me I never got a auto loan with this company. 

XXXX XXXX account number XXXX 3 late payments reported on my credit report XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX has violated my rights. 

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

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