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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX I got notification that my loan servicing got transferred from " XXXX XXXX XXXX '' ( XXXX XXXX XXXX  ) to TCF Bank ( XXXXXXXX XXXX XXXX  ) Up until today - XX/XX/2021 - I haven't received any communication from TCF Bank about my new servicing account XXXX 

I've called TCF bank 2 times, on around XX/XX/2021 and on XXXX of XX/XX/2021. TCF bank representative mentioned that they have nothing on my name, ssn or account. 

Then, on XXXX of XX/XX/2021 I've called to XXXX customer service. 

They told me that my loan was transferred not to TCF bank, but to XXXX XXXX ( XXXX XXXX XXXX ) Due to some sort of error, XXXX  did not send me any information on this new transfer. Over the phone they gave me a phone number to call XXXX XXXX company - which I've attempted to use but no-one answered. 



I also haven't gotten any mail, phone or email correspondence from XXXX XXXX. XXXX also did not send me any correspondence regarding new service being XXXX XXXX and I found that information on XX/XX/2021 when I called XXXX and escalated my issue. 

At this time, I don't know who is servicing my loan. XXXX also refused to confirm if my information was actually transferred to either of the new servicing companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a FTC report because i found inaccurate accounts on my credit report and nobody is helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix errors on my credit reports, and the companies have not been helpful. I have inquires that date back XXXX, XXXX XXXX that I have no knowledge of! I have requested help and even reached out to the creditors no help or any updates. 

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 There are also collections on my account the can not validate any information the credit companies XXXX XXXX and XXXX has not helped me with these matters XXXX XXXX XXXX {$2700.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit card

Alliant Credit union uses XXXX XXXX services to administer their credit card disputes. XXXX  refuses to send electronic communications regarding disputes ; instead, they send physical letters that are backdated multiple weeks before receipt. 

For instance, I received a letter on XX/XX/XXXX, backdated to XX/XX/XXXX, stating that they needed additional info for an open dispute. I promptly sent it. However, today ( XX/XX/XXXX ), I received a letter from XX/XX/XXXX that said they closed the dispute because they didn't receive the requested information. I didn't receive the first letter requesting info until after they had closed the dispute!
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I requested that Equifax send me a copy of the verifiable proof they have on file showing that the XXXX account they have listed on my credit report is actually mine. On XX/XX/XXXX and XX/XX/XXXX, instead of sending me a copy of the verifiable proof that I requested, Equifax sent me a statement which reads, " The information you disputed has been verified as accurate. '' Equifax also failed to provide me with the method of " verification. '' Since Equifax neither provided me with a copy of the verifiable proof, nor did they delete the unverified information, I believe they are in violation of the Fair Credit Reporting Act and I have been harmed as a result. I have again, today, sent my fourth and final written request that they verify the account, and send me verifiable proof that this account is mine, or that they delete the unverified account. If they do not, my next step is to pursue a remedy through litigation.
Product: Student loan

Navient began Harassing me and my Father on XX/XX/XXXX with phone calls. 
Navient claimed that a payment for {$92.00} was late. Payment actually arrived on XX/XX/XXXX and XXXX XXXX of Navient confirmed receipt at XXXX XXXX  on XX/XX/XXXX. 
Received another call on XXXX from Navient Robot stating payment was still late. 
Called staff at Navient and spoke with XXXX at XXXX XXXX onXX/XX/XXXX 
He was not sure why me and my Dad were still being Harassed by Navient. 
XXXX Stated that account should all be up to date by XX/XX/XXXX. 
On XX/XX/XXXX My Dad an I each received harassing phone calls and also email messages saying payment was late. Navient is completely incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX, Account # XXXX, Account # : XXXX, Account # : 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

FRAUDULENT, IDENITITY THEFT, FORGERY, FRAUD, UNAUTHORIZED TRANFERS FROM MY CEDIT CARDS, CHECKING, SAVINGS ACCOUNTS, PERSONNAL LOAN, UNAUTHORIZED TRANFERS TO XXXX XXXX XXXX {$2400.00} + $ $ XXXX {$3600.00} ON XXXX XX/XX/XXXX, FROM MY CHECKING ACCOUNT, UNAUTHORIZED TRANFER TO XXXX XXXX {$2400.00} ON XXXX XX/XX/XXXX, FROM MY CHECKING ACCOUNT, UNAUTHORIZED TRANFER TO XXXX XXXX {$2400.00} ON XXXX XX/XX/XXXX, UNAUTHORIZED PERSONNAL LOAN TAKEN OUT ON ME {$5000.00} ON XXXX XX/XX/XXXX, UNAUTHORIZED CREDIT CARD TRANFER {$2400.00} WITHDRAWAL/ATM ON XXXX XX/XX/XXXX, UNAUTHORIZED TRANFERS FROM MY CHECKING ACCOUNTS AND SAVINGS ACCOUNTS {$3200.00} + {$1000.00} ON XXXX XX/XX/XXXX, CREDIT CARD CASH ADVANCE ON XXXX XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I received a call from this company ( someone named XXXX XXXX in XXXX, 2024 and they offered me a debt resolution stating that the first thing they will do after starting working with me is that they will contact my loan company and extend my terms to get me out of " past due '' status. Before dealing with them I was a good payer, never had any missed payments but they assured me that I will pay less if I sign up with them saying I should stop making my monthly payment to the loan, pay them and they will deal with my loan company. 3 months later, I was past due on my both loans ; they did nothing at all about my first loan and they only partially consolidated my second loan. They charge me {$380.00} every month and only pay about {$220.00} toward my loan. I keep contacting them to send me a response/update in writing but they say they will only do verbal contact and they will not speak if they are being recorded. I should also mention that before dealing with XXXX, I dealt with XXXX, had the same problem ( became past due on my loans ), and, therefore, when XXXX called me, they said they will fix my " past due '' status and make my payments less, I should cancel XXXX and sign up with them. They made the whole thing even worse! 
This problem still exists, nothing changed. I tried to complain to XXXX of NY- they were not able to help me and referred me to you ( their letter is included ).
Product: Mortgage

I was approached by Rocket Mortgage on a phone call XXXX. The agent was XXXX XXXX. He promised a 5.99 % rate on a refinanced 30-year mortgage. On the phone call, which was recorded, he states that he will provide the 'lowest cost ' presumably with reference to an unrelated call on XXXX where we speculatively discuss {$6800.00} in loan costs for 15-year refinance at 5.99 %. 

Please keep in mind the phone calls are about different loans and about XXXX weeks apart. 

In any case, I end up signing documents for the 5.99 % refinance at 30 years. But my principal jumps from {$280000.00} to {$290000.00}, a difference of approximately {$10000.00}. The total loan cost is {$13000.00}. Using the XXXX recorded phone call as a point of reference, the total loan cost nearly doubles even though XXXX said he would provide the 'lowest rate ' presumably in reference to the XXXX call. Please note that on the XXXX call, no costs are disclosed. 

I called approximately 5 times during XX/XX/year> to issue a complaint with Rocket Mortgage and seek recompense. I spoke with XXXX, XXXX, and XXXX. XXXX actually listened to the recorded conversations on XXXX and XXXX. XXXX admitted there was an " opportunity '' to learn from the verbal nondisclosure of costs. She offered a {$500.00} voucher on a future loan application. 

I find the loan selling tactics completely misleading and predatory. I would like financial recompense.
Product: Debt collection

Ive been trying to contact this company for over a year and no one ever answers
Product: Debt collection

I am receiving debt collection phone calls for a debt owed by my ex husband that he incurred many years after we were divorced. The company calling me has explicitely stated that they are not trying to reach me, but my ex husband. I have explained that a ) they are calling my work number and creating problems for me at work in that I receive upwards of 5 calls per day from them, and b ) he is my ex of nine  years and I am not responsible for his debt or for finding him for them. I have also asked them repeatedly to stop calling me and have explained that they are calling me on my work number and creating problems for me at work. As soon as I tell the caller all of the above, they promise to remove my name from their calling list, but I continue to receive calls regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to the TransUnion credit Bureau to REMIND that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 
XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX MAIN XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; CAPITAL XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraud alerts and extended fraud alerts from my profile
Product: Debt collection

I never opened a XXXX account or received or used their equipment. I never had a contract with them. 

XXXX XXXX ( formerly XXXX ) fabricated a {$120.00} debt for allegedly failing to return a router. 

XXXX then initiated the collections action below, without ever calling me or writing to notify of the debt. 

I owe them nothing and this must be illegal. 



Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$120.00} Original Creditor ASTOUND BROADBAND POWERED BY Past Due {$120.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts THE BUREAUS ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX card acct # XXXX I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to 69 a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the late payment transactions deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time.

Further more 15 USC 1666b ( a )
Product: Debt collection

I was billed for this item. during the time I had XXXX and XXXX. They only billed XXXX which left me with a bill. I do not owe this. When I have contact them in the past they have been very rude and refused an explanation and proof.
Product: Student loan

Sallie Mae does not give borrowers the option to make a principal-only payment online. I gave the minimum payment online and planned to call in to apply another payment strictly to the principal. I called the main Customer Service number, and they told me that was also impossible to guarantee through their means. The representative I spoke to was clearly unfamiliar with the idea or function of a principal-only payment and told me false information. He repeatedly told me " most '' of my payment would go to the principal or that he really could n't guarantee where it would go. It was clear the representative was trying his hardest but that he was simply untrained and unequipped to provide me the correct information and action. I went so far as to ask if a principal-only payment application could be guaranteed if I sent in a check. He once again essentially tried to tell me there was no such guarantee. 

This is unacceptable. ANY other type of loan allows the borrower to apply payment at their discretion, provided minimums and fees have been paid. If I pay what I " owe '' for the billing period, I should be at liberty to apply payment wherever. 

It is clear Sallie Mae has exercised great liberty in thwarting its borrowers from repayment. It is disgusting that an organization would make it so difficult to get ahead on debt. 

Perhaps the representative was new, or mistaken. Regardless, it would really be best if SM could offer this option online. This is totally unreasonable.
Product: Credit reporting or other personal consumer reports

ok so the account number of the account in question on my transunion credit profile is XXXX, these people are still actively reporting false and inaccurate information. this is pursuant to US court of appeals, ninth circuit No. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Reason for bringing this dispute to the attention of this corporation is defamation, and financial injury. the fine that is allowed by law is the extent of damages incurred by the wronged party as deemed by the courts. Pursuant to 15 USC 1692k ( 1 ) - civil liabilities, - any actual damage sustained by such person as a result of such failure ; with the word ANY - being defined as unrestricted pursuant to XXXX XXXX XXXX so that would leave roughly a {$60000.00} for all the falsely reported information from. XX/XX/XXXX - XXXX XXXX further more, pursuant to FCRA 623, Cushman v transunion corporation US court of appeals for the third circuit court case 115 F. 3d 220 XX/XX/XXXX, Filed ( XXXX XXXX. XXXX ) the reason why would be again for defamation and for willful injury. Again Pursuant to 15 USC 1692k ( 1 ) - civil liabilities, - any actual damage sustained by such person as a result of such failure ; with the word ANY - being defined as unrestricted pursuant to XXXXXXXX XXXX XXXX this would leave another XXXX violation on the table for a district court judge to decide on. 
further more let this be a notice to corporation named " XXXX '' that this is a cease and desist pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist, of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this alleged debt until the name and date of the flesh and blood human being is given, name of original creditor disclosed, and the public and private GAAP accounting records of this account are given.
Product: Mortgage

On XXXX XXXX, 2015 I filed for a chapter XXXX as a result of my lender instituting foreclosure procedures. My home was scheduled to be foreclosed on at the courthouse steps on XXXX XXXX, 2015. As a result of the filing it halted all proceedings from debt collectors, attorneys etc. After informing by lender of this filing they asked me what where my intentions with the property and I informed them that I wanted to keep the property and just catch up the missed payments. The bank informed me that i couldnt pay what was owed because it showed that the home had been foreclosed on until the foreclosure status on my account had been removed I could n't pay on it, pay what was owed, do a workout option or anything to move forward. I was told that the sale had to be resended and then I could move forward. That was XX/XX/XXXX and now we are XX/XX/XXXX and we still can not move forward because it is currently showing that property was foreclosed on and it hasnt been removed from there system. I now owe more which is not fair making it more difficult to work out something with my lender and catch up due to internal operations and lack of due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021 I have submitted numerous Letters to Equifax, XXXX  and XXXX  in regards to a Bankruptcy on my consumer report, All letters have been sent certified mail with tracking yet after the 60 day period i have never received any response or update towards my consumer report. I have sent 3 letters asking for a investigation with proper methods of verification and have received nothing. I however did file a motion prior to filing my bankruptcy to seal all documents which i filed with the court and a debtors full social is filed with the the original petition, therefore the only information that could be released to third parties is full name, last four of social and address under the Federal rules of Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was notified since XX/XX/XXXX that the paramount recovery account on my transition credit report was a result of identity theft. They received a valid FTC report for the identity theft account and failed to block the account with 4 business days as the law under section 605b of the Fair Credit Reporting Act requires them to do so. Transition is not complying with the law and i need the CFPB to intervene and request that transition comply with the requirements under section 605b of the fair credit reporting act.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.