23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting

On  XXXX   XXXX ,   XXXX  , I called TransUnion to dispute the inquiry on my credit report. When speaking to  one  of Transunion 's employee 's, I was informed that the inquiry would be coming off my credit report in  XXXX  so there was no further action needed. It is very unprofessional to ask someone to wait to have inaccurate information on their credit report just because it will be removed in a few months. On  XXXX   XXXX ,   XXXX  , I sent a certified letter to Transunion asking to remove an inquiry on my credit report as I have not requested the company to run my credit. I received an updated copy of my credit report on  XXXX / XXXX /  XXXX   which is still showing the inquiry.
Product: Debt collection

This debt originated as a medical debt that was incurred by my ex wife utilizing my personal information. 

I settled the balance with the hospital even though it was not my debt but my ex wifes and collect tech will not XXXX out or delete this account. 

I have never signed any of the paperwork I wasnt there when the debt was incurred my ex simply gave the doctor my information and said bill him.
Product: Mortgage

RE : Case Number XXXX I had filed a compliant after NUMBEROUS calls to DiTech Mortgage Corp., and their constant refusal to respond to any questions I had. They in fact have yet to respond to all the issue in the above referenced case number with the CFPB. Therefore I am having to file a new complaint with the remaining issues. In my original complaint : issue number 3 was as follows : 3. On my XX/XX/XXXX, statement there was a fee titled : Other XXXX. When I called to check on it I spoke with about 5 people that all told me a different story. Story 1. It was for the insurance. All of XX/XX/XXXX, they took out of my payment enough to pay for insurance in the amount of {$1200.00}. On my insurance renewal I found a new insurance company and my premium was {$940.00}. Obviously, I had overpaid on my insurance by over XXXX dollars. Story 2. It was for my taxes. Taxes do not go up that much in our town. They did not have the proof for that story. Story 3. I was behind on some sort of payment but they could not tell me what it was because their system did not show it. Story 4. The company in charge of distributing the Escrow payments had that information. They could NOT transfer me to them. I had to send a fax to Ditech and advise them of my dispute. NO REPLY to date. Story 5. System error and I would see the credit on my next bill. I have that now and NO CREDIT. I have yet to receive a response to this question. And again each time that I have called to ask, my account manager simply hangs up on me, repeatedly. ISSUE 2 : Recently I found out that you paid my old insurance, XXXX, over a thousands dollars, my new insurance XXXX XXXX dollars TWICE. How does a company come to disburse XXXX home owners insurance check for the SAME property for the SAME year. Are you not aware that insuring the same property more than ounce a FRAUD! DiTech has committed several FUDICIARY DUTY VIOLATIONS and INSURACE FRAUD, the way I see it. I see it this way due to there COMPLETE REFUSAL to COMPLETELY, PROPERLY and CLEARLY provide answers to their actions. ISSUE 3. XX/XX/XXXX, I get home and I have a bright yellow envelope hanging on my door, which I have attached for your review. I open the envelope and it ask for me to call DiTech. I immediately called and XXXX from Missouri answered and I told her I had an envelope on my door. She proceeded to look at my account and asked ME why I had that envelope. As you can see the envelope simply asks me to call. I ask her why I had the envelope and she just hangs up on me. As is company policy for DiTech. ISSUE 4 : I received this envelope form my insurance company. I have attached it for your review. It states that they have billed the mortgage company numerous times and have NOT received a response or payment. PLEASE RESPOND EACH ISSUE, not just one. They are numbered for your convenience.
Product: Credit reporting or other personal consumer reports

My Credit and information have been improperly used, and I received a Hard Inquiry on my credit report from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax numerous of times, requesting information that i have yet to receive. Equifax is in violation of my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX i deposited XXXX from my chase account to my TDbank account by depositing a check in drive thru, to my shock the next day my account was frozen. 
Tried to reach TD by phone several times last week, after holding for almost an hour each time phone was disconnected. 
On XX/XX/XXXX finally reached customer service after 2 hours of holding the phone, abruptly transferred to fraud unit who verified all the info and promised to lift the freeze from my account within 24-48 hrs. which has still not happened, i have spent almost 4 hours on the phone today wed. XX/XX/XXXX and no one can help. 
Meantime i am unable to access my account and missing many transections -deposit and withdrwals for which i want TD bank to be responsible for compensating me for my losses. 
XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Presons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. ChexSystems and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Product: Student loan

When I took a XXXX mortgage on my house the loaner insisted we pay the loan in full and we did. Great Lakes XXXX.mygreatlakes.org XXXX is charging us interest from after the loan was paid off. They wo n't stop calling and emailing. This is harassment. I have sent them a copy of the check 3 times and they wo n't stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS 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: Credit reporting, credit repair services, or other personal consumer reports

I have this fraudulent account XXXX XXXX XXXX on my Equifax and XXXX XXXX file affecting my credit even though XXXX has investigated and removed with police a d identity theft report. Can you assist it getting Equifax and XXXX to remove.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Equifax? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! I also contacted the furnisher and they approve of DELETING the account from my file. PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

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

I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my new attempt to dispute the items in my credit file which resulted from an inaccurate credit information. Again, Im sending over an Identity Theft Report XXXX XXXX Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an inaccurate credit information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 Balance : {$1100.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from a credit report details. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

At least 6 months ago I disputed the payment history of a couple months from a few years ago. That information was updated on all XXXX credit reporting agencies as from 30 days late to on time. Then I had to redispute those same months almost every month to keep getting them updated back to on time after CUSO Home Lending continuously changed those dates back to 30 days late. After a few times of disputing the payment history I noticed the CUSO home lending account completely vanished from my XXXX report. 

I reached out to both XXXX first and CUSO second. Both blamed the other party. XXXX said XXXX was not reporting it and has not been responding to my latest dispute. XXXX claimed it had been reporting it regularly all along. Ive been trying now for a few months to get the account back on the XXXX account ( with accurately reported payment history might I add ) but have been unable. This has hurt my XXXX score because this account is XXXX of my oldest accounts and helps my average credit age. It is also in good standing as I've been in time now for several years in a row. 

Now just recently after I made a complaint with the XXXX against CUSO I noticed that they began marking my account late for XX/XX/XXXX on my XXXX report when it was not and then somehow added around {$5000.00} to my total amount owed on the account. It was an egregious error on their part and may have been retaliatory. It made me lose XXXX points on my XXXX credit report. I disputed this through XXXX to get it corrected about a month ago and just recently CUSO has now also dropped my account from my XXXX report. This also seems to be retaliatory in an effort to hurt my XXXX XXXX by depriving me of a long term loan that's been in good standing. 

I contacted XXXX and they were not helpful at all simply telling me if the account is not on my report then they can not help me with it. This exclusion of CUSO on my XXXX cost my XXXX score XXXX points or so by reducing my average age of credit. 

All I am looking for is for CUSO to cease and desist failing to report to the credit bureaus which is causing the account to fall off my credit reports and accurately report payment history. I have supporting documents to show that the account is missing from both XXXX and XXXX currently. I have documents showing it was on my XXXX last month but with bogus payment history for XX/XX/XXXX as well as inaccurate total balance. I also have my XXXX report which CUSO is still on showing that I have perfect payment history dating back to around XXXX or XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I use to bank with MoneylionXXXXXXXX  ( XXXX. XXXX ). I got an XXXX  loan with them and switched to a different bank or prepaid debit card account when I had no money left everything I got my direct deposit because the XXXX  was charging more in repayment then then the amount was loaned through XXXX. They includef a program with it called XXXX XXXX saying that the XXXX XXXX  didn't have to be paid back. Which they did charge for the XXXX XXXX. So I switched and they took {$610.00} on XX/XX/year> from my new account after months of not taking the payment from my the account that was set up as the form of payment. I did not authorize them to take payment from my providers account now known as XXXX  associated with XXXX bank. account number ending in XXXX card ending in XXXXI did not give them permission to take payment from that account. The account that they were suppose to take it from was XXXX bank card ending in XXXX which is not connected or associated with my XXXX  account. I spoke with them to get the payment reversed or refunded and they said everything is computerized and they can not manually override the payment to be reversed or refunded. They gave false information about their XXXX  advance not only do they charge more then used you can only do {$100.00} at a time and they charge for every withdrawal of the {$100.00}. Instead of paying a one time fee and being able to withdraw available funds at once. They give 5 XXXX XXXX a month saying it never has to be repaid but yet they add it into what you owe in the repayment. I even filed a dispute with XXXX  but they are saying that the merchant had full and valid authorization which is incorrect. Plus your suppose to be able to reuse the XXXX  boost when it is paid back and they refuse to even give me that option. Upon XXXX  you don't get to use what is all repid either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : DPT ED/XXXX XX/XX/XXXX XX/XX/XXXX {$6000.00} XXXX -- / -- XXXX Late Dates : XXXX, XXXX {$7200.00} XXXX {$72.00} XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX {$23000.00} {$6200.00} {$4200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX/XXXX  XXXX -- XXXX XXXX -- XXXX {$100.00} XXXX XXXX -- XXXX XXXX  {$520.00}
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Capital one XXXX rewards card Paid bill XX/XX/XXXX. Scheduled payment three weeks ( approx ) ahead of time time via phone app AND phone call. 

Payment processed by midnight on phone app, phone call, and bank website thus credit was restored. Payment was processed for XXXX and XXXX. 

Used credit card during weekend for a holiday trip and twice or thrice during the week. Attempted to use credit card for XXXX XXXX XXXX, declined. 

Payment was actually returned ( but no money credited to either debit or credit account, thus robbed ), with a higher debt rating than previously before the payment ( thus robbed again ). 

Payment also due again for XXXX and XXXX thus robbed a third time, feeling extremely swindled and cheated despite being a loyal customer either a consistent track record of complying with creditors.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Case number : XXXX Despite the resolution of this case and my efforts to resolve this matter, the account still being reported in with XXXX. 
XXXX claim that only the collector can delete the account. 
I have spoke with XXXX XXXX XXXX and have wasted my time. 

XXXX XXXX XXXX do not show respect for the law, nor for the resolution of this case and much less for the individual.
Product: Debt or credit management

I am a XXXX XXXX citizen who uses any health services as my medical needs. I was contacted by a debt collection agency I believe by XXXX. This company had mentioned that the bill was not paid and thats why they were contacting me. I contacted the company and provided a check number from XXXX health service and a verification from XXXXXXXX XXXX that the bill had been paid by XXXX XXXX XXXX. I had not received a phone call from that company for two years.I did get a random phone call today from collection management. They refused to give me an address or contact information. They wanted me to resolve this through XXXX and wanted me to send my documents medical records and copies of identification to an email address. During the phone call I got a random email from a XXXX XXXX. The email address is XXXX. I explain to this company that they have not contacted me via mail phone call or any realms of communication about this matter and have no right to report me to the collections agency and then threaten to continue if I dont pay. This sounds like fraud and I dont appreciate wasting my morning.
Product: Credit reporting or other personal consumer reports

I previously file a dispute with Equifax regarding unverifiable collection accounts ( complaint detail # XXXX ). They deleted one account however they did not delete the other as they found it to be " verifiable ''. I spoke with the furnisher and they were not able to verify the account with me as they did not provide ANY of the requested documents. See attached. Therefore, I am demanding that Equifax deletes this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid data. please remove all items listed asap.