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

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXXXXXX XXXX XXXX
Product: Debt collection

For about one month, I have been contacted almost daily by ABC Financial ( Phone # XXXX ) by robo calls and email messages regarding a debt they contend that I owe to XXXX at a gym in XXXX, CA. I have contacted them twice ; once to understand why they believe that I owe this debt and once to tell them to cease this harassment. 
They say that I owe an XXXX XXXX account for gym dues ; however, I do not have now, or ever had an XXXX XXXX card. 
I explained this to them and informed them that there are several other XXXX with my first name in our area and that they have the wrong person. Also, I advised them that I have never been in the gym that they represent. I was thanked by my contact and was told that they would investigate further. 
About a week later the calls started again. After a few days of such calls, I contacted the company and explained the situation all over again. I also advised my contact that I would contact the Federal Trade Commission if I received another call. The contact said that she was removing me from the file and that I would receive no more calls. I thanked her, warning her again of the consequences of further annoyances. Two days ago, I received another call.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNIONThese 3 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The XXXX Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX XXXX XXXX {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not my account. I never had and account with XXXX, This is false information and I would like it removed from my account. I have been trying to get this account removed for 6 minths now
Product: Debt collection

Payday loan taken in XX/XX/XXXX - went delinquent XX/XX/XXXX, was sold to XXXX XXXX XXXX in XX/XX/XXXX - I never received phone calls or communication from XXXX XXXX XXXX. On XX/XX/XXXX, I received message on XXXX from XXXX XXXX who I have not been in contact with in 20 years saying XXXX XXXX was looking for me. I contacted XXXX who said they could take any means necessary to locate me, I asked for the address they had which is my address. They said they sent me mail in XX/XX/XXXX which I never received. I informed them I would take legal action if they continue to reach out to any of my personal or business contacts on XXXX  or other social media and to send me whatever documents they needed to. They asked me for an exact date and time I would be home, I refused to give them that information because it was threatening to me since I am a single mother at home with a XXXX year old child. It is not legal to use social media for collection attempts, they said they could not locate me but then gave me my address. Whatever sick games they are playing should be stopped.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a XXXXXXXX XXXX offering no interest for 18 months on balance transfers. I initiated a balance transfer from American Express of {$3500.00} to the new XXXXXXXX XXXX in XX/XX/XXXX and it took effect on my XXXXXXXX XXXX ending in XXXX on XX/XX/XXXX. 
I looked at my accounts XXXX yr. later to see that the transfer of funds was not taken off my American Express card ending in XXXX. I have been paying both cards for the balance since the transfer. 
I have been calling both companies with no advancement in the situation. American Express did suspend the amount temporarily asking me for the 6th time for the same information that was already given to them. Apparently, they are giving me a run around because we are not getting anywhere as it is over XXXX of contacting both companies. 
Please step in to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX is reporting two accounts they can not validate I owe them money. They have failed to provide name and address of the alleged creditor, alleged debtor, alleged account number, address on file for the alleged debtor, the alleged debt amount, date alleged debt became payable, date of original charge off or delinquency. They have not advised if the debt was assigned to the XXXX XXXX, XXXX, or purchased. They have not provided the amount of debt was purchased. 

They are reporting to the three reporting agencies the accounts as recently opened when they have reported the two accounts for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of addressing the items listed below, to be updated from my credit reports. They neither corrected nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me fix the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

My loan was sold to Shellpoint in XX/XX/2020. Since they have been servicing my loan I have been blocked from making additional principle payments. I have called several times and it has not been corrected. The first couple of months they kept telling me to wait. According to my loan, it's my right to make additional pre-payments towards principle in order to payoff my loan sooner. When I called in XXXX, I was told I must submit a {$15.00} payment in order to make additional principle payments, they informed me that I could not pay over the phone or online, I must mail it in. I did not owe {$15.00} towards my loan and I'm still confused about why I needed to pay in order to make additional payments. I mailed in the {$15.00} check on XX/XX/2020 and the check was cashed but not added to my account history as if the payment was never made. I don't feel like I'm being treated fair and now I have almost a whole year that I'm paying towards with no additional payments which will cost me triple the amount in the future. I just called again today XX/XX/2020 and was told to prove I paid and send a copy of the check using the online portal. I just complete that process. Today was the first time I was given these instructions. I feel they are doing this on purpose, they know they make more money over time. My mortgage have been serviced by 7 lenders and this is the first time I have not been able to make additional payments and have been charge a fee to make payments. I even paid the extra money in my regular payment to cover it and they still didn't allow me to make additional payments. Please help. Thank you.
Product: Mortgage

I applied with Mr Cooper for refinancing of 3 mortgages First loan : XXXX XXXX XXXX # XXXX Started process in XX/XX/2020 process took much longer than expected originally had 2.75 % interest rate with {$7000.00} lender credit and loan was conditionally approved after sending them all the requested documents and any additional documents within 48 hrs of request. 
due to the delay and long process on Mr cooper side, lender credit has changed and they do not offer that credit anymore. 
one of Mr cooper requirements was a Subordination letter from the HELOC loan ( XXXX XXXX  ) which cost me {$250.00} Tried to call loan processor, underwriter, their manager and no answer or call returns. 
I started working with another lender to stop my losses but I can not get the same deal anymore. I can only get {$570.00} as lender credit I am asking for : 1. {$6400.00} difference in lender credit 2. A letter on a letter head from Mr Cooper stating that they did not process the loan subordination and will not process it- So I can get the {$250.00} refunded from XXXX XXXX  . 

Second Loan : XXXX XXXX XXXX  # XXXX Started process in XX/XX/2020 process took much longer than expected originally had 3.38 % interest rate with {$4000.00} lender credit and loan was conditionally approved after sending them all the requested documents and any additional documents within 48 hrs of request. 
due to the delay and long process on Mr cooper side, lender credit has changed and they do not offer that credit anymore. 
Appraisal was ordered which costed me {$650.00} Tried to call loan processor, underwriter, their manager and no answer or call returns. 
I started working with another lender to stop my losses but I can not get the same deal anymore. I can get the interest rate but not the lender credit I am asking for : 1.  {$4000.00} difference in lender credit 2. Appraisal to be transferred to new lender or appraisal fee refunded. 

Third Loan : XXXX XXXX XXXX Loan # XXXX Started process in XX/XX/2020 process took much longer than expected originally had 3.86 % interest rate with {$3000.00} lender credit and loan was conditionally approved after sending them all the requested documents and any additional documents within 48 hrs of request. 
due to the delay and long process on Mr cooper side, lender credit has changed and they do not offer that credit anymore. 
Appraisal was ordered which costed me {$690.00} Tried to call loan processor, underwriter, their manager and no answer or call returns. 
I started working with another lender to stop my losses but I can not get the same deal anymore. I can get the interest rate but not the lender credit I am asking for : 1. {$3000.00} difference in lender credit 2. Appraisal to be transferred to new lender or appraisal fee refunded.
Product: Credit reporting or other personal consumer reports

My mortgage company sent us a letter incident involving a suspicious activity of there network system. Files were containing personal information were obtained by an unauthorized party.
Product: Credit card or prepaid card

I submitted a claim with Bank of America regarding a dispute. The claim ID is XXXX. The issue I had was originally with XXXX 's, where I purchased {$450.00} worth of window treatments that turned out to be defective. I tried to return the window treatments to the store ( as was advertised ) and then through customer service three times. Eventually I gave up a decided to dispute the charges with Bank of America. I submitted the paperwork on time, and completely, but my claim was denied. 

I tried calling the claims department three times. The first time I gave up after being on hold for about an hour. The second time I connected after 30 minutes and got hung up on, and the third time I waited 30 minutes, the person agreed that I should not have been denied, but then transferred me, where I waited for 40 more minutes before I had to leave and gave up. 


It seems that they are intentionally not staffing their claims department adequately, and I'm not sure what else to do at this point. The notice I got denying my claim was not clear at all, but I don't seem to be able to talk to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed an inaccurate collection on my credit report by sending Transunion a certified letter. ( see attached ) On XX/XX/20 I received a response stating, " After reviewing your dispute request, we found the information you disputed does not currently appear on your Transunion credit report. ( see attached ) This is clearly not factual because on that same day they sent me a credit report with the exact non-factual item listed on my report collection from XXXX XXXX. ( see attached ) I am asking that you make them stop violating my rights, by lying to me and giving me the run around to get inaccurate information removed from my credit report. Attached you will see the verification of my complaint.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND THE THE XXXX XXXX XXXX ACCOUNT ONM Y CREIT REPORT IS THE FRAUDULENT ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT. THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, I HAVE REACHED OUT TO THE BANK AND THEY DON'T HAVE ANY INFORMATION ON THAT ACCOUNT. SPOKE WITH XXXX AT THE FRAUD DEPARTMENT AND EVEN HE HAS NO IDEA HOW TO LOCATE THAT ACCOUNT. THIS ACCOUNT IS FRAUDULENT.
Product: Debt collection

I need to dispute this account and have it removed from my credit report without negative impact this account was sold to Midland credit management by XXXX XXXX bank I did not authorize no type of consent with midland to have any of my information or to contact me the debt is for XXXX and I would like to have it removed from my report without negative impact by law im not obligated to pay this debt XXXX  XXXX sold the account to XXXX and the balance was no where near XXXX I want them to stop contacting me and please remove it
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance in resolving significant issues I have been facing with the major credit reporting agencies that pertain to both the aftermath of the recent XXXX data breach and ongoing improper handling of my credit report details by credit reporting companies. 

**Background : ** XXXX. XXXX XXXX XXXX XXXX ** As one of the millions impacted by the XXXX XXXX breach, I have been experiencing manifold issues stemming from unauthorized activities on my credit report. 

XXXX. **Improper Investigations and Reassertions : ** In alignment with the CFPBs recent lawsuit against XXXX for erroneously reasserting items on consumer reports without following mandatory procedures, my credit reports currently contain accounts that should have been permanently deleted. The reporting agencies have either ignored previous disputes or incorrect behaviors like reassertion without proper notification and validation. 

**Details of the Accounts in Question : ** 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 XXXXXXXX **Attempts to Resolve : ** Over the past several months, I have pursued multiple dispute channels : XXXX. **Direct Requests to Credit Reporting Agencies : ** I initially approached the credit bureaus with comprehensive evidence, including personal identity proofs and prior resolutions, requesting immediate removal of these unauthorized accounts.

2. **Violated Rights under FCRA and FDCPA : ** Despite fulfilling statutory requisites and adherence to official dispute procedures per FCRA , these agencies have failed in their duty to delete disputed data appropriately. 

Not only have some erroneous items been retained, but others have been reinstated without prior notification or adequate reinvestigation, aggravating my circumstances amid the suffering credit history from identity theft breaches. 

**Request for Assistance : ** With the Continuous distress caused by these recurring offenses, I am left with no choice but to seek the CFPB 's intervention. My measured requests are : 1. **Facilitation of Proper Investigation : ** I request your assistance in ensuring that credit agencies conduct the requisite thorough and good-faith investigations and eliminate improper data.

2. **Corrective Measures and Consumer Protection Measures : ** Hold credit entities accountable for procedural lapses, ensuring enhanced protections against similar future occurrences. 

Enclosed are all relevant documents, including previous notifications, credit reports featuring the contested entries, and recorded correspondences with the involved credit agencies. 

I am hopeful for your vital guidance and direct engagement with this ongoing infringement upon my consumer rights. Timely closure to such media is paramount for my financial recovery and continuance. 

Thank you for considering my plea for assistance. I eagerly await your positive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. 

XXXX XXXX : XXXX : {$980.00}
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 Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX  XXXX XXXX XXXX  Balance : {$0.00} XXXX  , XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$59.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX  Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps refusing to do a proper investigation on these accounts, I say that they are fraudulent there is not a block being done as per the fcra section 605 ( B ), They do not properly investigate these accounts, they just say that the accounts has been verified in a week despite my federal trade commission documents. cfpb look into this company for negligently handling consumer files.
Product: Debt collection

I received the account on my credit and this account is from 2013 when my ex husband took out the account in my name, this account is not mine and it took 6 years to show up on my credit, i can send proof of my identity theft affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/21 I informed consumer credit reporting agency about the fact that my right to privacy as a consumer was being violated and that they were in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my consumer report. Since then I have filed multiple disputes via certified mail receipt : XXXX XXXX XXXX and have not received a response or correction to my consumer report. They are also in violation of of 15 U.S. Code 1681n ( a ) for willful noncompliance because I have been contacting them for over 120 days about the inaccuracies and informing them about the fact that I was a victim of identity theft and was impacted by the XXXX breach. I am being XXXX and XXXX by the reporting agencies who are disregarding and ignoring my disputes. I have provided them all documentation requested and they have not even had the decency to assist me. I demand all the inaccuracies be removed immediately or I will file for litigation due to the stress and damage you have cost me.
Product: Mortgage

I recently modified my loan and was told the modification included all fees. The bank is now adding on late fees from prior to the modification telling me I am responsible for them. This violates the truth in lending laws. SWBC is the bank that holds my mortgage and that has violated the law. The modification was signed XXXX XXXX,2017.