23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am a victim of identity theft and Transunion is refusing to delete the items and block them from reporting. I mailed A CERTIFIED LETTER ( received XX/XX/XXXX ), police report, and identity theft report to you and the items are still appearing on my credit report. According to the FCRA XXXX ( XXXX XXXX. XXXX ) ( a XXXX XXXX. 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 XXXX business days after the date of receipt by such agency of -- ( XXXX ) appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and XXXX XXXX XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection XXXX a ) of this section -- ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block. 

I have sent creditors and XXXX the id theft report and police report as well so why is Transunion verifying with them Is beyond me. They are not abiding by the laws to block these items that I am in no way related to
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with CBB Collections is an account that was " assigned '' to them in XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX XXXX fraudulently opened an account in my name in the middle of XX/XX/XXXX after I had moved across the state XX/XX/XXXX because of XXXX XXXX XXXX XXXX XXXX. I did have an initial loan with XXXX XXXX XXXX  for a used SUV but I unintentionally defaulted on that loan after I moved. XXXX XXXX XXXX had repossessed the SUV in the middle of XX/XX/XXXX but spent the next 4 1/2 years adversely and fraudulently reporting to the credit bureaus not only on the account attached to the repossessed SUV but also on the second account they opened in XX/XX/XXXX AS WELL AS " assigning '' the fraudulent second account to CBB Collections who then began reporting negatively and continue to do so to the credit bureaus. After I discovered all of this on my credit reports, I tried multiple times to dispute with the credit bureaus only to have the results stay the same and on my reports. I finally filed complaints regarding XXXX XXXX XXXX as well as XXXX and CBB Collections with your company. The second, fraudulent account with XXXX XXXX XXXX  ended up getting deleted from my credit report with XXXX but the account from CBB Collections stayed as they " verified '' the account for CFPB and the initial account with XXXX XXXX XXXX was corrected and now states " Paid '' with a " Balance {$0.00} '' as well as " exceptional payment history. '' Now I'm having the same exact issues with CBB Collections and XXXX. The account with CBB Collections should be null and void and they should not still be reporting a balance of {$5800.00} owing as well as continuing to report on the account each month because the account that was assigned to them has been proven to be a fraud! They no basis on which to attempt to collect any amount of money on an account that technically did not exist! I want this removed from my report before I have to retain a lawyer and sue each and every company involved for preventing me from being able to secure credit and further build my credit worthiness on my good name.
Product: Mortgage

After several attempts to get a modification to no avail, I was not able to get lender approval for a modification. I had no other chose but to sale my home. I never receive anything from the lender giving me other ways or options to avoid foreclosure. When I decided sale my home to avoid foreclosure, I listed my home for sale with a Real Estate Broker and later received an offer to purchase the property. I contacted the lender to let them know I wanted to sale my house and requested a short sale package. The lender representative XXXX, told me that the real estate person needed to do that and to get the SS package online. I also asked for a pay off statement to see what exactly did I owe and the lender XXXX, said that the real estate agent or escrow handles that and the lender asked me if I had a buyer and I told them that a lot of people have been looking at the house. Once I received an offer from a buyer my agent contacted an escrow company who then contacted the lender and submitted per lender request a complete short sale package ( that was googled and found online ) to the lender along with the listing agreement, purchase agreement, buyer POF, HUD statement, and occupancy certification per the lender request. I also submitted a request for relocation assistance. The file was sent to the lender for SS approval, after several lender request of documents. Which means to me they had time to review and make a decision on the SS package. I received a letter stating that the lender received the package and it was in the process of being reviewed. Waiting patiently, today I was notified that the SS was turned done without reason and the sale was not going to be postponed which is taking away my right to avoid foreclosure by short selling my home and creating a hardship by not having any relocation money.
Product: Student loan

My student loan was in forbearance until this past XXXX. My loan was transferred from Great Lakes to Nelnet, which is where it is currently. Nelnet starting accruing interest even though my SAVE repayment application had not been processed completely. 

I started accruing interest in XXXX XXXX and was approved for SAVE in XXXX XXXX. 

I reached out to inquire about why interest was being charged and I just received a blanket statement email that didn't explain anything.

From the Nelnet site, it states that if you are approved for SAVE and you make your required monthly payment, any interest exceeding that monthly payment is waived.

My monthly payment is {$0.00} and I have accrued over {$1000.00} in interest since XX/XX/XXXX. 

I need some answers and this corrected but they just keep responding with a scripted email that is not helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I started disputing things on my credit report, suddenly I can not pull my equifax credit report & when I log into my equifax, there is NO information. Not even lenders can pull my equifax report. This is huge problem as I can't do the things I want to do if lenders can't pull my credit report. I tried calling but they were no help at all!! This needs to be fixed!!
Product: Debt collection

They have been calling my phone number repeatedly over the past several days. Today is the XXXX of XXXX, and on the XXXX of XXXX XXXX, I called them to ask them to stop contacting me, as I was not sent a proper written notice. However, they have called me twice from the number since, and now an additional three times from a second number, and it is likely from other numbers, as I have stopped answering all numbers I do not recognize. Some of these were multiple times a day.
Product: Mortgage

Homepointfinancial is refusing to apply my funds and are holding for 15 days. Highly unethical.
Product: Debt collection

I have already contacted the cfpb when the debt was with XXXX  XXXX  and now just received a letter from valor intelligent processing that this inaccurate XXXX bill is back on my credit again and its for even more money that originally stated. The original issue was the invalid creditors didnt even have my accurate info when trying to log in to the online account. Im throroughly flustered with this. This isnt real when I have supposedly two XXXX creditors after me in collections which doesnt makes sense and further proves its invalid. I do know that this is harassment and harassment isnt clearly defined in the cfpb law so if no other course of action is taken but this company or XXXX to fix this I will be forced to go higher in my pursuit.
Product: Credit reporting or other personal consumer reports

This is a formal complaint of your non-compliance with FCRA 611 ( a ) ( 6 ) ( A ) under the provisions of FCRA 611 ( a ) ( 1 ), you are required to have conducted a reinvestigation of my dispute filed via CFPB XXXX XXXX XXXX and your agency acknowledged receipt on XX/XX/ and was to have concluded that reinvestigation within 30 days of your receipt of my dispute, under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), you are required to have provided me with written notice of the results of your investigation within 5 business days of the completion of your investigation.

To date, I have received no notice of results of your investigation.Since the statutory periods have expired, I consider you to be in violation of the cited sections of the FCRA.

Based on your failure to verify the disputed information, you are required under section 611 ( A ) ( 1 ) to immediately delete the disputed information from my credit file. 

Thus, my complaint will be satisfied by timely deletion of the disputed information. 

I am contemplating filing a formal complaint with the FTC for your violation of your reinvestigation requirements. 

I would prefer to forgo such a complaint provided that I receive immediate notice of your results of your reinvestigation or deletion of the disputed information on my credit file. 

Based on your failure to timely complete your reinvestigation and provide notice to me, I additionally request, under the provisions of FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) and FCRA ( A ) ( 7 ), that your notification of the results of your reinvestigation also include a description of the procedures used to determine the results of your investigation.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$340000.00} XXXX XXXX  XXXX XXXX Balance {$2000.00} XXXX XXXX  XXXX XXXX Balance {$6800.00} XXXX XXXX  XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1500.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Product: Credit card or prepaid card

I called Citibank customer support to report there is an unauthorized charge on my diamond preferred card and was told that Im not liable for the charge and they will conduct an investigation. Then on the week of XX/XX/XXXX I followed up via chat as to why I still see the balance on my Credit card, I was told by one of their representative that I will see the credit next week. I then check again the whole week and still theres a balance. On XX/XX/XXXX I contacted them again and asked as to why I have a minimum payment due on my card and also as to why they havent credited the unauthorized charge. I was told that I have to contact their security department to find out. I called that department and was told to file a police report due to the amount. I felt I was discriminated and treated unfairly because when I told the representative that I am on XXXX he told me that I can do it online. I have checked the cards terms and condition and there is nowhere that says that if its over {$5000.00} theyll need a police report. I read about the zero fraud liability and yet they are not standing by their word. Lastly, I had to pay {$300.00} plus to avoid penalties.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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


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


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


Update the late payments from my consumer reports
Product: Mortgage

Loancare A Service Link Company purchased my loan from XXXX XX/XX/XXXX. My mortgage payment to include hazard insurance, PMI, and County taxes ( everything listed and covered in escrow account ) was {$1500.00} upon their purchase of the mortgage from XXXX. I received a letter from Loancare XX/XX/XXXX stating that I had an escrow shortage of approximately {$210.00}. I contacted Loancare via phone on XX/XX/XXXX informing them that I had changed my insurance carrier to XXXX who had notified me that they have forwarded the coverage documents to them ( Loancare ) already and that the insurance with XXXX is approximately {$150.00} less annually and my County taxes had an increase for XXXX ( yes XXXX ) for the entire year of XX/XX/XXXX, which meant that I could n't possibly have a shortage in escrow after reviewing it and doing the math on a few occasions. In fact, I have an overage. I was told that the escrow account would be analyzed and they would follow up with me. After 2 weeks I did n't hear from them and phoned and I was informed by the customer service representative to call back in another week. I did and was informed that the account was correct after their analysis. I asked to speak to someone in the department that did the review and was informed per the customer service representative that the department that did escrow analysis did not speak with customers and that I could only speak to a customer representative. I asked to speak with a manager and was informed that they would only tell me the same thing which was on the computer screen that the customer representative was reading from to inform me of the outcome. I asked for another review and was directed to send an email with my concerns which I did again on XX/XX/XXXX. I restated my concern about the escrow account being incorrect and that there is not a shortage in escrow and to send me a line item review of how they arrived to the decision that there is a shortage. I phoned again today, XX/XX/XXXX and was informed that the review would n't be complete until XX/XX/XXXX which is the deadline for the extension to pay the month of XX/XX/XXXX mortgage, that was given as a result of my complaining about the payment being incorrect ( as the escrow shortage has now been applied to my monthly payment ). I explained that if the review will not be complete until the XX/XX/XXXX then the payment would be considered late as I am waiting for the analysis again. I was told yes there would be a late charge and that I will still have to pay the shortage if Loancare decides that I have a shortage again. I believe this is fraudulent and away for the loan company to acquire additional revenue. I ca n't imagine how many customers they are doing this to and getting away with it. An audit should be conducted to analyze their transparency and processes in this area of accounting. I smell fraud all over this as XXXX myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to put a freeze on my experian credit bureau with their automated call in service or online. Every time it would say the freeze could not be placed and disconnect me. There was no way to speak to a live person. I have major fraud including {$5000.00} being stolen from my bank account and multiple credit cars being open and the criminal unlocking my credit freeze with XXXX. I was able to put a security alert on my experian account. However experian still went ahead and pulled my credit for accounts the criminal tried to open with XXXX, XXXX XXXX and XXXX  XXXX. I thin today I was able to place a freeze on my experian account from a XXXX number someone at XXXX was able to give me after numerous attempts. However experian needs to be informed on my level of fraud so that the freeze can not be lifted by calling in or online ( as was done by the criminal with my XXXX account ). Also what's the point of a fraud alert? It clearly did not stop experian from pulling my credit two times.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. According to 15 U.S.C 1681s-2 ( a ) on ( 09/01/21 ) this company then closed the account and furnished an account on my consumer report without my consent. 15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 15 U.S.C 6802 ( d ) This company disclosed XXXX late payments to nonaffiliated third parties which still reflects on my consumer reports. 15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).
Product: Mortgage

I have requested on multiple occasions to have the PMI dropped from my mortgage at Wells Fargo. I have had the mortgage for 9 years. I called and spoke to several people. The last was an individual in executive mortgage at XXXX, opt. 1. She confirmed that I am at a 77 % loan to value based on my original purchase price but because it is an investment property they will not drop the PMI until it is at 65 %. This is not what was disclosed to me at closing. I was told once it went under 80 % loan to value it could be dropped. Instead of dropping automatically as it is supposed to do Wells Fargo is stating that I have to get an appraisal done or wait until I am below 65 %. This is after they posted on my online banking account that I was at a point that it could be dropped. This is very frustrating and I have paid them approximately {$10000.00} in PMI since my loan started. A waste of money.
Product: Debt collection

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Acct # XXXX* For {$770.00} I filed a dispute with credit bureaus with issue not being resolved. This not accurate information and this account does not belong to me. Please remove from my credit report immediately!
Product: Debt collection

collection agency sent a letter demanding payment for alleged amount I do n't own to auto insurance company. I sent a letter with notice of dispute and requested verification of debt. In response i receive a letter from collection agency that stated " documents can be requested from debtor by contacting the customer service center ''. This does not comply with requirement of debt verification under state and federal law.