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

Idaho Central Credit Union explained over the phone that they would take action to contact the credit bureaus and remove the late payment on my account that was never late. I was never made aware that the account was late and requested that the report was changed. Over the phone, ICCU agreed to remove it, but still has not. This has been an ongoing issue since XX/XX/2023 ( six months ). 

Payment amount : $ XXXX/mo Payment never late. Was not made aware of late payment, as it is set up as an auto pay and did not process a payment. I was never contacted about the issue.
Product: Debt collection

The United States Treasury Department and other federal agencies established the Home Affordable Modification Program ( henceforth " HAMP '' ) as part of the Making Home Affordable Program as authorized and enable by 12 USC 5201 et seq. The HAMP are incorporated in the terms of the subject contract between parties. The Making Home Affordable, Handbook for Servicers of GSE and Non-GSE Mortgages, 4 2MP Process and the Supplemental Directive 13-05, G. Section 4 of Chapter V, 2MP Process state in relevant part : " When a borrower 's first lien is modified under HAMP ( Tier 1 or Tier 2 ) or a Standard Modification by XX/XX/XXXX. The 2MP servicer must offer to modify or extinguish the corresponding second lien ... .. In addition, if the borrower 's first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrower 's second lien. 

On XX/XX/XXXX, I enter into a loan modification agreement, therefore as per the mentioned Treasury Rules, the second lien holder One west Bank was supposed to either offer a loan modification or extinguish the debt. Ones west bank failed to do either and instead sold the loan to XXXX XXXX to enforce the debt. 

These actions are in violation of the precedent stipulated Rules set forth as part of the Loss mitigation Resolution by the treasury department. The record reveals that i entered into a loan modification agreement prior to XX/XX/XXXX, and that the lien holder one west bank failed to abide by the Treasury Rules in regards to the debt. At this time debt collector and its affiliates XXXX XXXX, can not enforce a debt that should have been extinguished at this juncture.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
XXXX EQUIFAX XXXX
Product: Debt collection

Over a period of a year debt collector continued to call without sending proof of debt owed. I asked for them to stop calling and calls continued to come in. They called me so much I had to get my number change
Product: Credit card

XX/XX/XXXX all swipes decline. Company blocked spending and said it will be blocked until XX/XX/XXXX, randomly They have done this about XXXX times during this year XXXX time they blocked spending for XXXX weeks I had to prove which account I sent the payments from in XXXX occasions The last time I had to submit a letter from the drafted bank. Insane! 
No tangible reason is given Very frustrating Truist is horrible
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) regarding disputed information on my credit report. Despite providing evidence to support my disputes, Experian has neither corrected nor removed inaccurate and unverifiable accounts, causing ongoing harm to my credit standing. My experience reflects the systemic issues highlighted in the CFPBs recent lawsuit against Experian, including : Failure to forward consumer-provided evidence to furnishers during dispute investigations. Acceptance of unreliable or insufficient responses from data furnishers. Inadequate notification to consumers regarding the outcomes of their disputes. These failures have directly impacted me by leaving unresolved items on my report that are inaccurate or unverifiable. Experians inaction constitutes a violation of my rights under the FCRA and federal law, as it has not conducted a reasonable reinvestigation of the disputed items. I am requesting the CFPBs assistance in ensuring that Experian takes immediate corrective action to amend or remove the disputed accounts and complies with its legal obligations to protect consumers. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not helping me to remove a lot of hard inquiries from their reporting even after the fraud report was put on the account and locked so further fraud could not take place. 

TransUnion Report file number is XXXX I sent a fax to XXXX XXXX XXXX TransUnion consumer contact dept Hard inquiries that need to be removed because of fraud XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX - XX/XX/2023
Product: Credit card or prepaid card

I made a purchase of a mattress ( ~ {$3000.00} ) XX/XX/2022 from Mattress Firm and opened a Synchrony bank to financing the balance. I was misled by the salesman that i can pay off in three years and but this XXXX, they charged me a huge amount of interest ( ~ {$1000.00} ). I receive no notification or phone call before they made the interest charge. 

I called Synchrony bank several times but they said that they can do nothing to do. it seems that all they want is the interest, and once charged, they will return it in no ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX   XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 Equifax XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX  XXXX XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX XXXX XXXX- Inquiry from XX/XX/2018XXXX  XXXX  XXXX XXXX-Inquiry from XX/XX/2018 XX/XX/2018
Product: Debt collection

Sunrise Credit Services is trying to collect on a paid account for XXXX XXXX XXXX. They was confusion on equipment being returned that was claimed they never received. I sent XXXX XXXX XXXX proof on XX/XX/2021 from XXXX  that the equipment was returned and the account was credited the amount Sunrise is trying to collect. They are reporting to all 3 bureaus a outstanding collection.
Product: Debt collection

I initially received a collections notice from Credit Collections Services ( CCS ) several months ago relating to an overdue balance from XXXX XXXX. I confirmed with XXXX that the balance was incorrect and in fact I had a XXXX $ balance. This was confirmed with multiple call with XXXX at the XXXX Executive headquarters ( ph : XXXX ). I informed the CCS caller multiple times what I had confirmed with XXXX and attempted to provide the number of XXXX. CCS attempted to still pressure me into paying over the phone even after I advised them of this. They informed me there was nothing that can be done about the debt or than get paid since it was submitted to them even though I confirmed it was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

2015. I didnt physically sign any documents with this company to grant me credit
Product: Credit card or prepaid card

I told XXXX XXXX XXXX to close my account because they dont credit my account for charge back told me was in more than 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offered them XXXX dollars and they closed my checking witch they stole over the years thousands of dollars and they said it was voluntary i finally told them i am XXXX XXXX XXXX which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX so I am asking XXXX equifax and XXXX the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX XXXX XXXX credit reports and credit files ask XXXX XXXX XXXX XXXX account because they refused to give me any type of credit and make unsecured
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the creditor 15 U.S.C Sec 1681i ( a ) FCRA law has been violated Every creditor and credit bureau is obligated to report complete and accurate information to the bureau each one of the report bureau reflect different information which we make the report inaccurate and incomplete which violates 15 U.S.C Sec 1681i ( a ) XXXX reports collection account past due as of XX/XX/XXXX Equifax reports collection account as of XX/XX/XXXX XXXX reports open account as XX/XX/XXXX balance XXXX All of this information is incomplete and inaccurate you can not report this information to the bureau like this it violates the law listed above
Product: Debt collection

I have filed a dispute with XXXX and contact affirm to explain they are reporting the incorrect amount on my credit report. They are refusing to update
Product: Debt collection

NEVER HEARD OF THIS COMPANY. i ASKED THEM FOR AN ORIGINAL CONTRACT WITH A WET SIGNATURE AND XXXX, I ALSO ASKED THIS COMPANY FOR FULL RECORD OF ACCOUNTING AND I ASKED THIS COMPANY FOR INSURANCE CONNECTED TO THIS ASSUMED DEBT AND I ALSO ASKED THEM TO CEASE AND DESIST.

1692c - Communication in connection with debt collection - Civil Liability for Willful Noncompliance, Civil Liability for Negligent Noncompliance Monetary fines for each violation, which can vary based on the severity and frequency of the violations.
Product: Mortgage

I am filing this complaint on behalf of my clients. One of the owners has XXXX and XXXX and is very ill. The other spouse had to quit work so that she could tend to her spouses needs and they got behind on their payments and stopped making them. THey tried several times to find someone to refinance them but because of medical bills and loss of income it was impossible. They waited to long to put the home on the market because of the illness. Now they want to sell it so they can get the equity out and move on. The home is listed for sale, the owners have been foreclosed on and have a 6 month redemption period that ends on XXXX XXXX, XXXX. I faxed over the Third Party Authorizaiton and Payoff Letter on XXXX XXXX, I have been trying to reach a person/representative at Ditech since XXXX XXXX, XXXX and finally yesterday reached a representative on XXXX XXXX, XXXX. Their phone system would fail when I asked for a representative, calling several times per day. Every time I asked to talk to a representative it would transfer and I would get the message " you have reached an invalid number '', time after time. 

I asked to speak to a manager at Ditech and was transferred to XXXX XXXX XXXX, Ext XXXX. She said they did get my letter and Authorization letter and will be faxing me a letter in XXXX to 5 days. XXXX said that they could not give me a payoff because the loan was transitioning to XXXX XXXX. I told her there must be some mistake or I need to speak with another manager to get this payoff, she refused and told me there was no one else who could help me. I do know that my clients have a 6 month redemption period to redeem the property or pay off the loan. I need to get this payoff. XXXX XXXX told me to contact XXXX XXXX and gave me the phone number, so I did contact them. 

On XXXX XXXX, XXXX I called XXXX XXXX at XXXX and spoke with XXXX ID XXXX, I asked her if I could get the payoff for the loan and she said no, I would have to get the payoff from Ditech. Once the home gets to them it comes as a property and they do n't have any information on payoff. 

On XXXX XXXX XXXX I called XXXX XXXX at Ditech again and left her a message and let her know that XXXX XXXX does not give the payoff, that we have to get it from the lender Ditech. I am still waiting for XXXX to return my call. 

My clients have equity in the home and will be able to get there equity out so they can move on. I feel that Ditech is making it difficult and are playing games since it is a higher end home and there is equity there. Or I just have not spoken to the right person at Ditech and XXXX is to lazy to find out who I really need to speak to. 

We really need help with getting to the right person and getting the payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Tonight, XX/XX/XXXX as i was checking my credit report on XXXX XXXX there was a Hard Pull Inquiry that I did not even authorize on my report from : XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX XXXX and XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX I used XXXX XXXX time during my military years when I was XXXX  In XXXX XXXX in XX/XX/XXXX and after that I have not used it anymore, and now I see that they did a hard inquiry without even me knowing. I tried calling XXXX right away and all they did was pass me around to some people that does not even know how to handle my problem. I have been trying hard to build up my credit score as I am planning to get my growing family a new house. And with unauthorized inquiries like this is not helping at all. 

I am hoping for your fast action on this matter as I am afraid that it might be a case of stolen identity, which I hope not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting for 6 months to get this fraud account from XXXX XXXX ( XXXX XXXX XXXX  ) off my report with transunion and XXXX. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting you this CFP complaint today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), As the Credit reporting Agencies, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  a lot of unauthorized inquiries showed up on my report. I have tried to dispute them on the phone with XXXX and transunion since XX/XX/XXXX. I put a freeze on all Credit reports but no changes were made in my favor. I filed an ftc report XX/XX/XXXX. All inquiries that need to be removed immediately from XXXX and/or transunion are as follows : 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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX,
Product: Credit card or prepaid card

I received as a gift a {$XXXX} gift card purchased by a friend a XXXX on XX/XX/21. It is a Visa card that indicates it is issued by XXXXXXXX XXXX and the card is serviced by InComm Financial Services , Inc. https : //www.incomm.com/industries/financial-services/ I activated the card on XX/XX/21 and when I attempted to use it, the card had already been used at a XXXX  store in XXXX XXXX XXXX CA on XX/XX/21. I did not make these purchases. 

I contacted InComm per the phone number on the card XXXX and after several attempts and long holds they created case # XXXX. They sent me a dispute form, which I completed and returned to them via email ( giftdisputes@incomm.com ) on XX/XX/21. It is attached along with a balance summary I printed from the vanillagift.com website. Note the form has no contact information anywhere on it. 

They acknowledged receipt the same day and have not responded to numerous emails for a status since then. There email lists Dispute Resolution Team, XXXX XXXX XXXX, XXXX, GA XXXX. 

I called today and was advised that my previous dispute form was not processed and that I would have to file a dispute form again and they would email me the form within 10 days, new case # XXXX. 

This has been pending with no resolution for almost 90 days and it is not clear why my first form can not be processed. I have the gift card in my possession. 

This company is very hard to reach, unresponsive and owes me {XXXX}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed a fraudulent account on my report.Please remove this account off my report they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting late payment after late payment several times which is a violation of my consumer rights under 15 USC 1666 ( b ) and 15 USC 1637 ( a ) under the Truth in Lending Act. This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all XXXX credit bureause until they can give me a 1099C and removed this debt off my credit.