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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION XXXX XXXX XXXX XXXX ( hereinafter referred to as " TRANSUNION '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to TRANSUNION requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX XXXX XXXX  which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$200.00}. The FCRA mandates that the credit bureau, in this case, TRANSUNION must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information. 

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I recently received an email from Navient stating that my federal loan payment was due on XX/XX/2020. Administrative deferment from the CARES Act states that student loans can not be due or accrue interest until XX/XX/2020. I got no response when I raised this concern. 

I also submitted paperwork to have my loans discharged due to a medical diagnosis, which negatively impacts my ability to be gainfully employed. Despite submitting the paperwork months ago, I have yet to even receive an acknowledgement that the paperwork was received. I'm very concerned that after XX/XX/2020 I will be asked to pay back loans when I am making poverty wages despite submitting my paperwork with ample time to process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 XXXX  : {$0.00}.
Product: Debt collection

AFNI, INC. Is Reporting under XXXX Bureaus and have not verified the debt.
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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I continually receive multiple unwanted SPAM emails from this commercial mortgage broker every day : Level 4 Funding LLC XXXX XXXX XXXX, Licensed Mortgage Broker License No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I have repeatedly requested to be removed from their spam generating system, but they refuse to remove my email address. Can you please help? 

Hi XXXX, Please remove my email address from your automated emails and marketing : XXXX Thank you, Live Support Chat Your Name : [ XXXX ] Hello! My name is XXXX. May I have your name please so I know who I 'm chatting with? 
[ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] mailto : XXXX  [ Visitor ] Please remove my email address from your automated emails and marketing XXXX Thank you [ XXXX ] I have that noted. may I have your name please? 
[ Visitor ] XXXX [ Visitor ] I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you [ XXXX ] Alright. Thank you for contacting us. Please do not hesitate to contact us again if we can be of further assistance. Take care! 

I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

At the beginning  of XX/XX/XXXX, I owed American Express {$22000.00}. During the year, I paid {$6200.00}. At the end of XX/XX/XXXX, I still owe {$19000.00} due to their high interest rates and their penalty fees. They lowered my credit limit to {$18000.00} although I never charged more than my original credit limit. They have collected {$2600.00} in interest and $ XXXX in fees, making their total for the year {$3000.00}, which is 48.6 % of the money I paid each month on my account. 
Because I could not afford to pay the full minimum payment requested some months, American Express termed it a " late payment. '' This misnomer has seriously damaged my credit score, which makes it difficult and expensive for me to borrow the money to pay them off. Is there any law to protect consumers from this practice?
Product: Vehicle loan or lease

HMF please read this. After you " resolution '' of my initial complaint I decided to review my HMF online account page today. Surprise, nothing has changed. My account name is still incorrect and you continue to list someone else 's personal information in my account. It would be funny if it wasn't so pathetic.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute request from Experian, Trans Union and Equifax to verify the accounts listed on my credit reports and if they couldnt be verified to have them removed. Consumer finance protection bureau, then sued the three listed companies because they never actually verified the accounts. I am requesting a resolution, and that is to have the accounts removed from my credit report immediately.
Product: Mortgage

I have a SunTrust Mortgage. I was placed on forbearance during Covid. 
In XX/XX/2021 I called SunTrust to ask about repayment options. I was told that FHA mortgages were flagged and that I had to wait until further notice. 

Later, I received a letter in the mail saying my debt was being refinanced and that a new 30 year mortgage was going to be processed. I had already paid 10 years of my mortgage and I am XXXX years old so with a new 30 year mortgage I would be repaying this house till I am XXXX years old. That does not work. I want a partial claim.

The partial claim was never processed, that I know of. Over the phone I was told I did not qualify for a partial claim. My loan is now in default. I call and spend hours on the phone. I need to reach client services but I always end on home preservation. I want to find out what my pay off balance and nobody has been able to provide it to me. I sent a request via fax, as instructed. Nothing. In the meantime I am billed late charges and fees. This system is designed to make you lose your house, to inflate your debt and provide zero resources to fix a problem. SunTrust does not provide an opportunity to meet with loan officer in person, calls get dropped, they ask you a million questions each time you call including your number and you never get called back when calls get dropped. It is just awful.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX  to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$8000.00}
Product: Credit card or prepaid card

I was sent an email onXX/XX/2018 from my company email address who I thought was from my XXXX XXXX XXXX   with my company. He had asked me to purchase XXXX XXXX gift cards for our elite clients, 20 in the amount of {$100.00} each which is not unusual for our company around the holiday season. After, I was to scratch off the back and to send him the codes. I tried several stores but was unable to purchase them until I finally went to XXXX   at XXXX XXXX XXXX XXXX., where I was allowed to purchase the 20 cards in the amount of {$2000.00}. Instead of typing in all of the codes, I took photos of them and sent them by email to my XXXX, the real XXXX XXXX. Later I than called him to be sure he received my email and he had no clue what I was talking about and never asked for the codes. I then when back to XXXX to return the unused gift cards but they said they were nonrefundable but opened up a case and took copies of my DL and receipts. They said someone would contact me but nobody has yet to this day. So then I went home and contacted XXXX XXXX where they told me the same thing but they were going to have the incident investigated and get back to me but they have not yet either. I have a conformation email from my conversation with XXXX that Friday evening when I spoke with them right after it happened and they stated that the cards were never used and to contact my local police department to file a report. I also spoke with American Express from which I purchased the gift cards with, XXXX and XXXX XXXX  and they all said there is nothing they can do to help me get my money back. I still have the gift cards and they have not been used, I just need to somehow try to find a way to get the money back from either XXXX XXXX  or American Express.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is continuously violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have disputed this account multiple times and even sent letters directly to them, yet they have failed to conduct a proper and thorough investigation. If they had performed an actual investigation, they would not be furnishing incorrect addresses, such as XXXX XXXX XXXX, XXXX, MI XXXX, where I have never resided. This demonstrates their complete lack of due diligence in verifying the accuracy of the account information. 

I am requesting actual proof that I opened this account. Electronic documents can easily be edited, and stolen IDs can be fraudulently used, making their current verification methods inadequate. XXXX XXXX has allowed dealerships to open accounts fraudulently without proper verification of the consumer 's identity, relying on contracts full of violations that anyone could sign. This is not in compliance with FCRA standards. 

In addition to XXXX XXXX violations, XXXX, Equifax, and XXXX are also in violation for continuing to report this account despite the obvious discrepancies and my multiple disputes.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX  XXXX
Product: Mortgage

Good Day : I received a letter today asking if I had any complaints about your service or the way this loan has been treated. First of all - this was over 10 years ago. I did try to short sale the property. You denied taking the money. Not Green Tree but XXXX, XXXX, XXXX now yourselves are trying to do something. 

You can attempt to collect this debt all day long but KNOW that you will not receive one dime. You denied taking the money first off - you sold it at the sheriff sale for MUCH more then it was worth - over {$210000.00} - so you received money from your insurance division for the difference, then you sold it for {$190000.00} so your establishment made more money then this debt was to begin with ... so why continue to try to collect when you made too much money??? 

Funny how you banks were bailed out taking all of our hard earned money to support your rich habits. All banks make so much money it is crazy - thats all you see these days new banks everywhere. You should have never been bailed out by our government. Our government should be abolished so us Americans can live. Land of the Free - with all these banks taking advantage of every American up until 2 years ago - where loan officers could do anything in their power to rip off innocent people and continue to do so - but at least not they are regulated it still is a scary deal. 

As you can see I am XXXX - I did purchase properties but had no clue that these loans were fraudulent until after the fact!!! Title could not explain the type of loan that was in writing. Interest only loan - XXXX with a cap - but XXXX did not see the mortgage documentation or the note attached. There was a cap but they continued to raise the interest rate - EVEN when the interest rate was not raising!!! How is this right?? 

Banks continue to try to modify loans WITHOUT a loan officers license ... SCARY!!!!!! the CEOs of many banks took our money from the government and ran away. Funny how that worked. 

Anyway - YES I HAVE COMPLAINTS about how all mortgages were handled back in the day of NO LIcensure for loan officers. Steal from the poor to give to the rich!! Thats our government!!! And it continues every single day of our lives. Politicians are all crooks and continue to be - NO COMMON SENSE OUT THERE AT ALL!! 

I see people from other countries coming here to AMERICA and receiving SOCIAL SECURITY benefits and have NEVER WORKED A DAY IN OUR COUNTRY. What the flip is that all about???? They get money handed to them BUT OUR AMERICANS have to fight for their money! Hard earned money that they contributed too and can not receive. Thats our government yet again taking advantage of Americans. Hungry children in our country get no assistance again because government sends our money to everyone else but US!!! 

Thats it for now - enjoy your day!! Share this email with everyone out there that needs to know how our government really is and no one will do anything about it!! SO SAD!!!! 

-- XXXX XXXX XXXX XXXX Office XXXX Fax XXXX Direct XXXX Cell " XXXX ''
Product: Credit card or prepaid card

Dear Sir, I made a payment of {$1700.00} ( paper check on bill pay ) to TD card services on XXXX ; I called TD card services on XX/XX/XXXX, the due date, to see whether they received it or not. TD card services said they did not get the check. I called my bank to know why the check was received by TD. It was found out that my account number was missing on the check. This was the 1st time I was using Bill pay from my bank. 

On XX/XX/XXXX, I asked my bank to stop on the 1st check for {$1700.00} and issue another check for the same amount {$1700.00}. This check was received by TD on XX/XX/XXXX. TD does not show show all the transactions on customers TD webpage. They need to improve the way they show transactions on customer webpage. 

Now TD card services is charging {$27.00} ( I owe to them as of today ) because I stopped the check for the amount {$1700.00} sent on XXXX. I called them to wave {$27.00} for which they are not ready to reverse. I am reporting it here. 

I have paid off all I owe to TD card and have not made any purchases since last one and XXXX months and locked the card. 

Thanks.
Product: Credit reporting or other personal consumer reports

XXXX credit card is a business credit card which is included in company 's XXXX  XXXX. The account holder is XXXX XXXX XXXX XXXXXXXX, XXXX. 

However, XXXX is still trying to collect and harm my personal credit. In addition, I've had several fraudulent XXXX XXXX XXXX XXXX  attempts from XXXX XXXX bank accounts unrelated to the business. 

I demand XXXX business credit card be removed from my personal credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/14 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

I am writing to file a formal complaint regarding the denial of my credit card application by Discover, which I submitted on XX/XX/year>. I believe that the denial of my application did not comply with the requirements set forth under the Equal Credit Opportunity Act ( ECOA ), specifically 15 U.S.C. 1691 and 12 C.F.R. 1002. According to 15 U.S.C. 1691 and the implementing regulation at 12 C.F.R. 1002, creditors are obligated to provide a clear and specific explanation for any adverse action taken on a credit application, including a denial. The notice of adverse action that I received does not meet these requirements, as it fails to provide : 1. A clear and specific reason for the denial : The notice does not adequately explain the precise factors or criteria that led to the adverse decision. 2. Information on my rights : I was not provided with the necessary information on how to obtain a copy of my credit report or dispute any inaccuracies. I believe that the lack of detailed information provided in the adverse action notice is inconsistent with the requirements of the ECOA and its implementing regulations. As a result, I am unable to understand or address the reasons behind the denial of my credit application.
Product: Credit reporting or other personal consumer reports

I DON'T WANT TO HAVE THIS ON MY CREDIT REPORT 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