23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion seemingly did little to no investigation from what I can tell. It does not help that they add a character limit for explaining your complaint regarding an investigation. 

My account with XXXX Bank went from good standing to bad after this " investigation '' which is bad for the lawsuit that XXXX XXXX forced on me as what I perceived as intimidation due to the potential financial costs. 

I do n't see any inquiries by Transunion about the card being NEVER used, about XXXX Bank listing me as never having made a payment even though XXXX Bank lists a balance and upon calling Transunion the person I spoke with in XXXX was not able to help much other than offer a 37 day investigation for something I tried to correct him on.
Product: Mortgage

My loan is one month late well now going to two but because holiday they saying I am in default because I didnt make payment on XX/XX/XXXX when they have grace period and plus it was holiday weekend. On XX/XX/24 they send me a notice of intent to foreclose and XXXX is not even done. I get paid biweekly and I have to wait on when my employer pays me in top of that, I already sent out check in the amount of XXXX certified and I told them to put towards month and that I have other checks coming in certified since my electrnico option was taken and they put my payments to be certified until XXXX. I explained what happened to them about me using different account to pay it didnt work and now doing these verified they also reported to my credit bureaus issues when my loan was in forebance etc and now doing this again. Some representatives are kinda nasty even given me issue to provide me their XXXX routing and account number tok me almost 30 minutes just to get that information from the representative I was doing this in my lunch time and have limited time from my employer and waiting the the information. I believe they misusing, inaccurately reporting to credit reportt, etc and collection practices and fees. I have to break my payments up and they starting they are to unappllied fund no put it to the mortgage that your saying needs to fulfilled, I dont understand also as this is my first house and really dont know what or anything I think they just might talking advantage of that as well. It just needs to be checked just something is not right on how they are proceeding with my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as Equifax, XXXX, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted. This account should be deleted because XXXX is saying I filed bankruptcy and that isn't relative to me. As per the letter XXXX said it would remove the account if I asked. I'm asking XXXX and the bureaus to delete this account..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting the incorrect balance on my credit report. This needs to be updated and showing that it is piad as agreed.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

Capital one makes many mistakes with my mortgage and refuse to explain their mistakes. When the consumer does find their mistake capital one refuses to correct it1/ On XXXX/XXXX/2015 balance was {$800.00}, XXXX yet despite receiving a full payment on XXXX/XXXX/2015 my balance increased to {$810000.00} by XXXX/XXXX/2015. see statements attached2/ Despite making the payments each month and capital one receiving a payment on XX/XX/2015 that was approximately one thousand dollars more than the required payment on XXXX/XXXX/2015 I was charged a late fee of {$180.00} which capital one has fraudulently refused to remove. This " fee '' was assessed a few weeks after a complaint to the CFPB against cap XXXX on a different issue. Is this how they retaliate
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXX/XX/XXXX
Product: Credit reporting

I sent a dispute to Equifax XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery. I am requested this information be deleted per the law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX, Equifax, XXXX, Experian. For their refusal to provide a 1099-C form and their inaccurate reporting of a charge-off on my credit report. Despite my repeated requests, XXXX XXXX XXXX  Equifax, XXXX, Experian. Has failed to respond or correct the errors, violating federal laws and my rights as a consumer. I requested a 1099-C form from XXXX XXXX XXXX for a debt that was charged off, but they have refused to provide it. Under 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt is canceled or forgiven.
Product: Credit card or prepaid card

I received a credit card in the mail ( XX/XX/2020 ) to a company I have never applied to get credit to or applied to get any promotional offers or information. On XX/XX/2020, I called the number listed on the information sent through mail and the automated options do not allow me to speak to a customer representative ; the system will only allow for SSN or DOB, which is not information I want to disclose as I believe this to be fraud as I did not apply for a credit card. 

I have no way of getting additional information as the website is set up the same way in which one has to input personal information to get in touch with a representative. It seems this is a XXXX XXXX XXXX   card XXXX and by mail XXXX XXXX XXXX and website provided XXXX. https : //www.goprogram.com/goedcclient/pdf/Way2Go_Brochure.pdf I have never filed for any unemployment and any cards or prepaid cards in my name are fraudulent. My credit with all companies has been frozen.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue with XXXX 's response to my pre-arbitration demand resolution dispute, which was submitted on XX/XX/2024. The dispute included necessary documentation for identity verification, and I have received an inadequate response from XXXX indicating that I did not submit sufficient proof of identity. 

Complaint Details : Dispute Date : XX/XX/2024 Tracking Number of Certified Letter : XXXX XXXX  Response : XXXX responded with a notice stating that I did not provide sufficient proof of identity. However, I submitted current bills and a copy of my drivers license within the certified letter. 
The complete documentation, including my current bills and valid identification, should have sufficed for identity verification. The response I received from XXXX lacks clarity and fails to address my dispute appropriately. 

Request for XXXX : I am also requesting a pre-arbitration settlement amount of {$3000.00} for the pain, suffering, and hardship this process has caused me. The delays and lack of clarity in XXXX response have led to significant distress and inconvenience. 

Data Breach Concerns : Additionally, I would like to bring to your attention that my personal information has been compromised as part of a data breach, which is contributing to my concerns regarding identity verification. I have attached relevant documentation related to the data breach for your reference. 

Attached Documents : Please find attached the entire file sent to XXXX, which includes all the identity verification documents previously provided, as well as documentation regarding the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On [ XXXX ] I disputed two accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was informed with a letter dated [ XXXX ] that the items were deleted from my credit report. Now upon recently checking my credit report I have discovered that the items has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the items from my credit report in order to avoid legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.
Product: Student loan

See the previous complaint filed in XXXX where I was sent to collections and reported by Sallie Mae to credit agencies. This was while I was supposed to be on administrative forbearance. While the collection issue was resolved and the negative reporting removed, Sallie Mae and XXXX closed my XXXX claim before the XXXX  original deadline to submit my paperwork. I submitted the required paperwork on XXXX but the claim was closed unknown to me until I once submitted the paperwork again on XXXX  and contacted Sallie Mae 3 times on XXXX XXXX closed this claim during the CPFB complaint on XXXX. That was a full month before the deadline and now Sallie Mae will not allow my paperwork for review and XXXX has closed the Claim at XXXX. I contacted Sallie Mae asking for a new claim to opened so I can submit this papwerork. This claim should never have been closed before the deadline.
Product: Debt collection

I sent a formal letter to your company requesting the following and it has not been provided. I requested validation of debt but I am only getting stall tactics. I did not request bank statements, I requested proof that I owe your company. Failure to do so shall result in this file being removed and deleted. 

Here is what I requested. 

Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Your State ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX, XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an inaccurate collection on my credit report, I've disputed this account & they will not provide me with any updated information. I called the collection company on XX/XX/XXXX & requested that they provide me with any type of proof being a signed contract with my signature state that I've done business with them & that I owe them money, they refused to comply & told me that they provided Experian with the " proof '' & to contact Experian. I called Experian on XX/XX/XXXX & spoke with a gentleman named XXXX XXXX & he placed the blame back on the collection agency. I don't even think that this collection agency is licensed to collect " debts '' in North Carolina.
Product: Credit reporting or other personal consumer reports

I am a US citizen raised my entire life in the XXXX by my late maternal grandparents. My Father after coming out of XXXX has used my SSN to open a credit card in my name and I would like it closed as he has borrowed almost the maximum making on the card and has not paid it off. It is now negatively impacting my credit and he opened it without my consent whilst I was still living in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out over a month ago and have never received any response
Product: Credit reporting

I disputed this item on XXXX XXXX, 2016. XXXX did not respond within 30 days. A violation of my consumer rights. The original letter and the copy of my social security card that I sent on XXXX XXXX, 2016 are attached.
Product: Checking or savings account

on XX/XX/2020 i contested a charge on my bank debit visa card and the bank put the money back into my account claiming provisional ; however after the 60 day period on XX/XX/2020 they reversed it and are forcing me to give it back because they favor the merchants who give fraudulent service. 
THE U.S.BANK REVERSED A CREDIT MORE THAN 60 DAYS AFTER THE INCIDENT COMPLAINT ; AFTER THE HOTEL DENIED WHAT HAPPENED. THE HOTEL DEFRAUDED ME BY PUTTING ME IN BROKEN ROOMS AND THEN LET THE MAID OPEN THE DOOR BEFORE CHECKOUT TIME AND WITHOUT MY PERMISSION TO OPEN THE DOOR CAUSING HER TO COMMIT TRESPASS. THE BANK HAS FORCED MY ACCOUNT INTO OVERDRAFT AND IS BILLING ME FOR DIFFERENT AMOUNTS FROM {$67.00} NOW {$25.00} WITHOUT ME PAYING ANYTHING. THEY SUDDENLY FOUND SOME MONEY IN MY ACCOUNT THAT THEY OVERCHARGED ME FOR DIFFERENT TRANSACTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Mortgage

I started a mortgage refinance application on XX/XX/2021. For the most part, everything was going fine until the processor ( XXXX ) asked for my son 's birth certificate. My son is XXXX, and I include him on my income since he gets SSDI. Total Mortgage Services stated they need to confirm our relationship. I told them that this makes no sense why they are requiring excessive documentation to see the relationship. Do other people have to confirm relationships? A birth certificate is extremely sensitive paperwork that should not be floating around in a loan package. I can see a federal or state agency asking for documentation but not for loan. Furthermore, they already had his social security verification letter for income and our bank statement which has both our names listed as owners. XXXX XXXX said he could add my son to the loan which we did not want to do nor is it acceptable to try changing what I already had applied for and my locked rate. The point is I am a senior citizen and my son is XXXX and I feel the excessive asking for his birth certificate is unacceptable and reckless -- this is not normal paperwork for a mortgage. So since I replied to him we are still not providing a birth certificate nor changing the loan application he decided to cancel my mortage application today.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised about 3 years ago due to XXXX  's negligence to insure reasonable security measures of all consumer personal information
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT UNAUTHORIZED INQUIRIES DUE TO IDENTITY THEFT 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: Debt collection

I have received many calls from XXXX XXXX / XXXX that are rude and threatening. I either speak with them or they leave voicemails. I have asked them each time to not contact me at my employment due to these calls not being allowed and possible dismissal if they continue is policy. They totally disregarded what I've aked them and continue to call. Today XX/XX/2019 at XXXX I received a voicemail from XXXX XXXX and then he immediately called my called my company 's office phone that I answered. I told him that I have asked them several times to not call my work cell or office phone and he said he wanted my HR department 's number immediately. I told him our HR department is not on site and he angrily said then give me the HR number to call concerning you. I politely asked him again to not contact my work ( bosses in office ) and hung up. I'm not sure what more I can do but I need my job and need them to stop calling my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of payment.