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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute Immediate Removal of Inaccurate Late Payments ( XX/XX/XXXX, XX/XX/XXXX ) on Account # XXXX Due to FCRA Violations and Breach of Arbitration Agreement by Furnisher ( XXXXXXXX XXXX XXXX XXXX. ) Dear TransUnion XXXX XXXX, This letter serves as a formal dispute regarding the inaccurate reporting of late payments for XX/XX/XXXX and XX/XX/XXXX on my account ( # XXXX ) with XXXX XXXX XXXX. XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( FCRA ) as well as breached its own arbitration agreement by reporting these late payments without resolving the matter through arbitration, as required by our contract. 

As a credit reporting agency, you are obligated under 15 U.S.C. 1681e ( b ) to ensure maximum accuracy when including information on consumer credit reports. In this case, the late payments in question were inaccurately reported due to XXXX XXXX XXXX violation of federal law and contract terms. By allowing these late payments to remain on my credit report, you are failing to meet your legal obligation to verify the accuracy of reported information. 

FCRA Violations Under 15 U.S.C. 1681s-2 ( b ), once I have disputed this information, you are required to investigate the accuracy of the reported data. XXXX XXXX XXXX, as the furnisher of this incorrect information, is in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate late payments. I have already notified XXXX XXXX XXXX  of these violations and their breach of our arbitration agreement, which is public information, yet the inaccurate information remains on my credit report, causing ongoing damage to my credit profile. 

Breach of Arbitration Agreement by XXXX XXXX XXXX  In addition to the FCRA violations, XXXX XXXX XXXX  has breached its arbitration agreement by reporting these disputed late payments without resolving the matter through arbitration, which is explicitly required by the terms of our agreement. This breach directly undermines the dispute resolution process agreed upon and further invalidates the accuracy of the late payment reports. 

By continuing to report these late payments, XXXX XXXX XXXX, TransUnion and XXXX are exposing yourselves to liability under the FCRA, and you are complicit in the ongoing harm caused by this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiry posted as a hard inquiry on XX/XX/XXXX.This inquiry was posted on my XXXX credit report. Ccb/XXXX did the same thing on XX/XX/XXXX and it 's on my XXXX credit report still showing as a hard inquiry. I have n't given either my permission to run a check.
Product: Debt collection

Re : Cease and Desist from Debt Collection Activities This letter serves as a formal notice that you immediately cease and desist from all debt collection activities concerning the alleged debt associated with [ your account number or reference number, if applicable ]. It has come to my attention that you are attempting to collect a debt that I either do not owe, that is disputed, or that falls under harassment and illegal collection practices. 

Your actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. These actions have caused undue stress, harassment, and potential harm to my financial well-being. 

I demand that you immediately : Cease and desist from all communication with me, except for written correspondence confirming receipt of this letter and outlining the actions you will take in response to this demand. 

Should you fail to comply with the demands in this letter, I will have no choice but to pursue all legal remedies available to me, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General 's office, and seeking damages through legal action. 

I trust that you understand the seriousness of this matter and will act accordingly to rectify the situation. Please contact me immediately to confirm your compliance with the demands outlined in this letter.
Product: Credit card

On XX/XX/XXXX there was an error with the processing of the full statement balance payment on this credit card. I filed a dispute with Comenity. They credited the account in the original returned payment fee, late fee, and interest charge. However, they continued to charge interest and late fees on top of the amount that was being disputed while they were investigating the original dispute, so by the time the credit was given for the disputed fees and interest, there was a balance on the account from new late fees and finance changes. An interest charge on XX/XX/XXXX for {$19.00}, another interest charge on XXXX for {$21.00}, a late fee of {$30.00} on XX/XX/XXXX a late fee of {$40.00} on XX/XX/XXXX and a minimum interest charge of {$2.00} on XX/XX/XXXX. I contacted Comenity on XXXX, XX/XX/XXXX, and XXXX to try and resolve this but as of today XX/XX/XXXX the balance on the account is XXXX, this blanace is from fees and interest that were charged on top of the original fees while it was being disputed. All balnces incured from purchases have been paid off. Altough Comenitly credited some fees and interest, they didn't stop the clock on other fees and interest, while the dispute for the original fees was being investigated and they refused to correct their error. They are also reporting to the credit bureaus that I am not paying my credit card bill.
Product: Payday loan, title loan, or personal loan

I called the collection department today XXXX, 2022 offering to pay off my loan of {$1000.00} and close it out as it was all I have to do they already caused my bank account to be overdrawn when I didn't have money in the account now they won't accept my {$1000.00} payment to be done with I borrowed {$1100.00} they want me to pay them {$1200.00} and I have already made a couple of payments to them already {$140.00} each, and the lady I spoke to today was very rude to me and my wife I will not deal with them anymore this is ridiculous I hope we can come to a quick resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX Credit Card ) is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. Thank you.
Product: Mortgage

On XX/XX/XXXX, an application for a loan modification was submitted to XXXX and to the servicers law firm via email, with all requested supporting documentation attached. 

On XX/XX/XXXX, a letter was sent to my lawyer through my servicers lawyer saying that I needed to provide my most recent Tax Returns. On XXXX XXXX, I submitted those XXXX tax returns through my lawyers office who emailed them to XXXX and their counsel. A delivery receipt was obtained. 

My lawyer received an email from the servicers lawyer on XX/XX/XXXX, saying that they could not access what had been sent to another staff person at their firm and noted that the servicers notes indicated that the XXXX Tax Returns were still marked as missing. My lawyer responded promptly to the servicers firm, attaching the XXXX Tax Returns again and explaining that they had been submitted to the servicer well before the deadline, on XX/XX/XXXX. 

Today I received a letter from my servicer dated XX/XX/XXXX saying that the review of my loan modification application had been closed because they had not received the requested missing documentation. My lawyer disputed this with the law firm, and they told him since my tax returns were e-filed, the digital pin and verification signatures at the back of the returns were not acceptable. No one ever told me this. They just treated me like I didn't send them anything.
Product: Mortgage

According to Colorado Revised Statute XXXX ( XXXX ), in the case of a foreclosure sale by the Public Trustee, a sale date can be no less than XXXX calendar days nor more than XXXX calendar days after the date of recording of the notice of election and demand, which is this case was recorded on XX/XX/XXXX. 

Also, according to Colorado Revised Statute XXXX ( XXXX ) Dual Tracking Prohibited Defendant received confirmation from servicer, M & T Bank XXXX during the first week of XX/XX/XXXX ( letter dated XX/XX/XXXX ) that a loss mitigation application had been received and that it was complete. In addition, during the same time period, M & T Bank stated in multiple phone conversations that foreclosure proceedings were suspended pending the " process of being reviewed to determine if you ( I ) qualify for assistance ''. The Public Trustee was NOT notified of such status so the foreclosure process was continuing in the " eyes '' of the Public Trustee, therefore Dual Tracking. 

Some time during the second week of XX/XX/XXXX the defendant was notified by M & T Bank that the application as submitted by defendant was not accepted, and that a new application could be submitted, which is currently in progress. The XX/XX/XXXX notification set in motion the foreclosure proceeding that was recorded on XX/XX/XXXX, setting at sale date of XX/XX/XXXX, which is only 57 days from the recording date of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Early XX/XX/2021 Binance.US locked my account to the point where I was unable to withdraw, deposit or otherwise trade any of the money in my account, a total of {$4000.00}. We are now at the end of the month and after MULTIPLE attempts at contacting the company via their " ticket '' system, I have yet to hear anything from them and my account REMAINS completely frozen. They are in possession of MY MONEY and will not allow me access at all. THIS HAS TO BE ILLEGAL!!
Product: Debt collection

investigate the inaccurate information you are reporting on my account without any proof of validation. I do not have a contract with you.
Product: Debt collection

I asked for them to stop calling and put me on the do not call list because i am not the person they need to contact. The person on the phone became rude and hung up on me. Dhe attempted to intimidate me.
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, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

And 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that they immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Debt collection

Someone use my name, my social security, stole my identity. They use my Identity and file taxes in my name. I contacted the IRS and let them know. I am a victim of Fraud. I also contacted identity theft.gov and file the report there as well. The only thing that should be on my credit is XXXX XXXX Credit card which I paid off. The other one is XXXX  XXXX XXXX. Everything else on my credit Report is false.
Product: Credit reporting or other personal consumer reports

I XXXX request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.
Product: Debt collection

Williams And Fudge has been repeatedly calling my house asking for my wife 's dead mother, XXXX XXXX, who died 13 years ago. XXXX never even lived here, and this is a fishing expedition. We don't appreciate being called by debt collectors and reminded of a relatives death. 

These people have called 3 times now over several weeks. Most recently at XXXX XXXX CDT on XX/XX/2018. Each time we've told her that her mother died, and the length of time. Yet these calls persist. When asked about what the matter was about, the caller wouldn't tell us. I have a recording of this conversation if necessary. 

This woman died 13 years ago. Give it a rest Williams and Fudge.
Product: Mortgage

On XX/XX/2020 I received a XXXX XXXX letter from XXXX XXXX, Senior Vice President, Lakeview Loan Servicing LLC to refinance my current VA mortgage via the VA XXXX XXXX XXXX XXXX XXXX ( XXXX ) program. The offer promised ; ( 1 ) 2.508 % APR, ( 2 ) new loan amount of {$230000.00}, ( 3 ) savings of {$160.00} per month and ( 4 ) no out of pocket cash The offer was good until XX/XX/XXXX at XXXX EST. I called on XX/XX/XXXX and spoke with a loan officer. After setting up an account, multiple phone calls, hours waiting for call backs and several hours providing documentation I was told I could refinance at ; ( 1 ) 2.75 % APR, ( 2 ) new loan amount of {$230000.00}, ( 3 ) savings of only {$50.00} per month and ( 4 ) I would have to bring {$2700.00} to closing Lakeview Loan Servicing LLC has false advertised. I refused to refinance with this company. They were unable to meet any of the four promises they made in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of Identity Theft. I sent my FTC identity Theft Report to Experian on XX/XX/2022. They did not remove XXXX XXXX. They said it was verified as accurate. They removed XXXX and a few days later put it back on my credit file. I sent a second letter to them on XX/XX/2022 stating : I recently received a copy of my credit report, and I noticed two accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of these in writing 5 days prior, I was not notified. As the original creditor, only I can validate these debts. I do not validate these debts. Therefore, the following accounts must be deleted from my report immediately XXXX and XXXX. I gave accounts and amounts. The reporting of these accounts are a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

They again did not remove these accounts. They said they were verified as accurate and updated.
Product: Mortgage

I lost my job in XXXX of XXXX. I contacted Loan Care to report my job status. However, I still had my mortgage payment for the month of XXXX XXXX. I tried to work out some type of modification with them to save my house. I made the XXXX payment and filled out the documentation for application for a loan modification. I contacted the bank for 3 months not hearing anything from them. I eventually spoke with a representative who told me that because I made the XXXX Payment I no longer qualified for assistance. I had to miss 3 consecutive payments in order to be considered for loan modification. During that time my house was in trouble! I was able to find two part time jobs and submitted my pay stubs every 30 days and bank statements, in addition to my unemployment for the short time that I did receive it. There was still no action. I had to wait another 90 days to get someone to help but that only gave me a partial payment plan. Eventually they gave me partial payment, what they referred to as a forbearance payment, of which half of the original mortgage. I paid that until I was still not getting any resolution to a loan modification and realizing none of the payments appear to be applied to my balance. I was steadily incurring fees and more fees. I got a full time position with one of the part time jobs and my income I was receiving was still lower than my previous job. Eventually, I had to hire an attorney from XXXX XXXX XXXX with the payments that I was making to Loan Care because they were not trying to help me. 
I contacted the attorney office regularly to see if they were getting anywhere and informed them of my status continued to forward bank statements paystubs and letters they requested. Even with the attorneys this took another 7 months in order for Loan Care to come to a trial payment period where my payments are now higher than my original payment of {$1200.00}. My payments are now {$1300.00}! I have made all the payments timely as requested. 

As of today, I still have not received documentation of what my new payments will be or if I should continue to pay the amount of {$1300.00}. I have done everything they have asked and gone above beyond plus. Today my credit has been affected and I am considering filing for bankruptcy for protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the account by XXXX XXXX XXXX  as an open account still, after I proved to them that The account was reaged. They changed the date of when it would be removed, but did not change the status to show that it is now closed because the 4 years have passed. Im so sick of dealing with these criminals trying to unlawfully list this account as still open.
Product: Student loan

I have set up Auto payments 3 times now and each time I get a notification that the payment was reversed and I am past due. I have triple checked my banking information is correct. I have researched and this is a very common issue among EDFinancial users.
Product: Credit reporting

Under Personal Information on my credit report my sons ( XXXX XXXX XXXX information XXXX Address : XXXX XXXX XXXX XXXX XXXX appears on my Equifax report in error and I 'd like to have it removed asap. Thank You, XXXX XXXX.!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has been furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.As defined by the *** Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By definition the *** clearly says a canceled debt or charge off is income. The reporting of this account as a debt is in accurate