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

I have diligently followed all the necessary procedures in disputing this account. I've contacted the bank, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Transunion for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report even though the bank already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 


JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been trying to resolve this issue with affirm for so long. I noticed the delinquent account when I was viewing my credit and saw that it was from a company that I did not recognize. I then reached out to them and was told that the back office ( people I was not allowed to directly speak with ) would resolve the issue. I continuously called and was told the same thing. I requested information from them and all they told me was the name of the store where the purchases were made. Also on the original account was an address I have never been associated with either.The purchases came from a store that I have never even shopped at. I tried to resolve the issue with them numerous times and they have never resolved the issue. Then I get served by XXXX XXXX to appear in court. They had given it to a debt collections after I had already explained everything to them. I reached out to XXXX and explained my situation so they sent me to this website. This account/purchases/loan or whatever it is is not mine. I have had my purse stolen in the past which had my CA ID, passport, wallet, and cellphone in it. I'm not sure if this is how someone opened an account or credit card/loan in my name but I would like to get this resolved as soon as I can. Thank you.
Product: Mortgage

I contacted Freedom Mortgage in late XX/XX/2020 to start the application process to refinance a loan for my home who I currently have through XXXX XXXX. During the processing cycle of this loan I was working with XXXX XXXX. XXXX XXXX asked my current mortgage lender for a payoff statement. This statement was good until XX/XX/2020. XXXX XXXX added a {$25.00} fee to my next mortgage payment for that payoff statement. Ms XXXX said that we would close before that date. Ms XXXX caused numerous delays due to mistakes and miscommunications causing us NOT to close by XXXX XXXX. A second request was made by Freedom Mortgage which would now be good through XX/XX/2020. However, due to numerous errors on their part, on XX/XX/2020 I withdrew my application and ceased to do business with Freedom Mortgage due to their ineptness and lack of communication between departments. 

On Monday, XXXX XXXX, 2020 I sent into my XXXX XXXX account and noticed that there was now a {$75.00} fee added to my next mortgage payment. I contacted XXXX XXXX and they stated that the {$75.00} fee was for THREE ( 3 ) payoff statements, two which were requested on XXXX XXXX but going to different fax numbers. Once I learned this I knew that it had to be Freedom Mortgage that did this since I was not dealing with any other refinance mortgages with any other company on that date. I do NOT feel as though I should be responsible for the 2nd and 3rd requests from Freedom Mortgage since it was all due to their inability to " get their ducks in a row '' and get me closed in a preset time frame. I sent an email to Mr. XXXX XXXX at Freedom Mortgage and asked his company to reimburse me the {$50.00} that his company has cost me in additional fees. I also called his office phone number and asked him to contact me. As of this evening ( XX/XX/2020 ), I have not received any responses from Mr. XXXX.
Product: Debt collection

In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership anything with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until XX/XX/XXXX and even then, only put it on 2 bureaus XXXX had no dispute marks on it. resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has also filed a suit against me, without providing any validation or verification that has been requested for over 5 months prior. XXXX XXXX actions have caused adverse actions on my life, I was passed up for 2 separate positions due to the status on my report and not having the dispute marked on the credit bureau. 

Please Help me..
Product: Credit reporting

My Hospital Bill was paid by Insurance company with proper XXXX Discount remaining balance was patient responsibility. But Hospital bill sent to collection department and I questioned the amount mentioned as patient responsibility. Because XXXX discount was also mentioned as patient 's responsibility. I raised complaint on this. Now I see that this balance is reported in my credit history. Insurance provider gave call and lodge complaint to service provider and directed service provider to remove account from collection. 
Collection service is not removed the balance yet and it is affecting my mortgage loan application. 
My Concern to Service provider and collection agency was, if insurance and patient still questioning to credibility of actual balance due then how it is reported as defaulter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX. XXXX Account number XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2. also states a consumer reporting agency in can not furnish a account without my reading instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any customer report containing any of the following items or information. Any other advisers item of information, other than the records, conviction of crimes, which indicates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumers reporting agency, if the person knows or has responsible calls to believe the information was in accurate
Product: Mortgage

My husband & I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. In XXXX, XXXX our bankruptcy plan was confirmed. Part of this bankruptcy was a mortgage with Wells Fargo for a property that we own at XXXX XXXX XXXX, XXXX XXXX XXXX. Once our plan was confirmed, we were to make payments based on {$280000.00} and calculate our payments at 5 % over the remaining term of the loan which would end XX/XX/XXXX. Also, we were told by our attorney that the bankruptcy laws in XXXX state that the adequate protection payments paid between our bankruptcy filing ( XX/XX/XXXX ) and our confirmation of the plan ( XX/XX/XXXX ) should come off of that {$280000.00}. We paid a total of {$39000.00} in adequate protection payments. That would mean that we would have been at a balance of about {$240000.00} in XXXX of XXXX. I now have looked at the Amortization of that loan and according to the amortization schedule done at 5 % over the remaining term of the note, if all payments had been made correctly, the principal balance would be about {$190000.00}. However, for many years, Wells Fargo refused to fix the Mortgage Statements. I have continuous records of trying to get the accounting fixed. In about XX/XX/XXXX, I stopped making payments which was by the advise of my attorney in an attempt to get Wells Fargo to fix the accounting on the mortgage. After months in the bankruptcy of not paying, the bankruptcy courts allowed Wells Fargo to remove the mortgage from the Bankruptcy by Relief of Stay. 

Now our property at XXXX XXXX XXXX, in XXXX XXXX, XXXX is due to be in a foreclosure sale on XX/XX/XXXX. We've still been attempting to get the accounting records fixed, but have been unable to do so. 

We then hired an attorney in XXXX to try to help us with the Notice of Default and Foreclosure Process in XXXX. This attorney has tried to be helpful, but does not seem to be knowledgeable of our rights that were denied through the bankruptcy. 

We've continued to attempt to negotiate with Wells Fargo, and were all set on paying the reinstatement amount of approximately {$120000.00}, but their accounting is totally incorrect and now they've added even more on to the principal balance. 

I believe that I have enough information to show that they are not going by the Bankruptcy Plan and that we would have a case against them. 
However, Wells Fargo keeps changing their figures and will not give me a solid answer on where we would stand if we paid the reinstatement amount. As of the mortgage statement attached dated XX/XX/XXXX, the principal balance shown was {$270000.00}. Then, just on XX/XX/XXXX, they changed the outstanding principal balance to {$300000.00} ( see attached ). None of this makes sense. 

I do not want to lose this house. I want to pay what is fair. Can you look this all over and if I am correct on my information. We are willing to pay the reinstatement and the only reason why we did not pay is because Wells Fargo would not correct the accounting to reflect the Bankruptcy Plan. Please help and this must be done fast to stop the foreclosure. 
Thank you, XXXX XXXX XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX violated my rights 15 U.S.C 1681 Section 602 A I have the right to privacy 15 U.S.C 1681 Section 604 A 2 It al so states a consumer reporting agency can not furnish an account without written instruction
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Convergent 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
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. I have stated before for the nth time that this account below is not mine. The mere fact that you guys there at Equifax are ignoring my complaints all the time makes my head spin. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 Equifax is 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 items 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. Please DELETE the account below : Original creditor : XXXX
Product: Credit reporting or other personal consumer reports

I have discovered that an erroneous report was submitted to the credit bureau, suggesting that I had not met my payment obligations since XXXX. This information is incorrect, as I made payments for both XXXX and XXXX in XXXX, effectively paying in advance for XXXX. Although there was a minor delay in XXXX caused by an accidental charge to my old card, I swiftly rectified the situation on XX/XX/XXXX and promptly made the required payment. 

Regrettably, the bureau was informed that the company had not received payment since XXXX, which is entirely inaccurate. To avoid further complications with the company, I decided to settle the entire loan amount on XX/XX/XXXX. 

As a result of this misinformation, my credit score has decreased by XXXX points. This is highly distressing, especially considering my consistent track record of timely payments. In light of this error and its adverse effects on my credit standing, I have chosen to settle the outstanding balance. However, I want to emphasize my dissatisfaction with the lack of regard for accuracy and its impact on customers who fulfill their obligations punctually. 

Moving forward, I have decided not to engage in any future loan agreements with their institution.
Product: Student loan

I have a loan through naviet. I have been attempting to get my payments lowered for years and the lowest they would go was {$300.00} a month. I just could n't afford that so I finally went into default. They also reported to credit bureaus a few payments I NEVER MADE!! It only happened when the loan was getting close to falling off my credit report. Therefore restarting the 7 years. The interest has more than doubled in this loan. I have called numerous times, they act like there is no other option than to pay a lump sum payment. This has ruined my credit. I have also filled disputes with the credit bureaus about naviet reporting inaccurate information. Nothing has helped so far.
Product: Credit card

At some point towards XX/XX/2016, Bank of America claims to have sent me a letter requesting additional account information. This letter was sent without any proof of having been sent or received. Upon " not hearing from me '', they closed my credit card account, and took my XXXX rewards points ( worth roughly {$250.00} ) Although this bank has my email address, phone number, and an alerts section on their website, they used none of these methods to contact me. My statements also have no mention of this letter, or afterwards, the account having been closed. Note that I was a cardholder for 12 years, with an excellent credit rating, and an account in good standing. 
This has the potential to affect my credit rating as it reduces my available credit, closes a line of credit, and I 'll need to open a new credit card account as well. I tried calling to resolve the issue but they would let me neither reopen the account nor reinstate my reward points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2023, Discover violated the FCRA by adding a FALSE negative remark on my credit report which caused each of the credit bureaus to lower my credit score by XXXX points!!! This was in retaliation for me disputing an inaccurate credit balance on my accounts with Discover. I have been diligently paying off my credit cards in an effort to buy a house and Discovers actions ( false reporting ) has snatched this opportunity away from me temporarily. I believe Discover intentionally put the remark on my report to decrease my chances of getting a XXXX INTEREST CARD to transfer my Discover balances to the new card.
Product: Checking or savings account

On X/XX/2017 I went into the Chase Bank branch located at XXXX XXXX XXXX , XXXX, IN XXXX to open a Chase Ink credit card and accompanying Chase Total Business Checking account. At time of opening I provided a coupon which was mailed to me by Chase, offering a {$300.00} bonus for the opening of a Chase Total Business Checking account. When the bonus had not posted weeks later, I contacted the branch. This branch proves extremely difficult to reach, as they never answer the phone, and have no voicemail system. On the 11th attempt, my call was answered. I asked why the bonus would n't have posted, and was told that no coupon was attached to the account opening. After reaching a dead end with the banker I worked with, and the branch manager, I contacted Chase corporate. In so many words, they told me that the branch where the account was opened would have to remedy it, but that they were sure they would. I tried contacting the branch again, to no avail. A few days later, my personal banker assigned to me by Chase called me to check in and ask if there was anything I need assistance with. I told him about this issue I was having with the bonus not posting, and he promised to look into it. After doing some research, he called me back and informed me that he regrettably was unable to do anything on his end. At this point I escalated the dispute with Chase corporate, and received a call back from XXXX. She promised to look into the matter and to contact the branch on my behalf. After a few calls back and forth with XXXX, she informed me on XXXX that the branch was refusing the honor the coupon, claiming that I did not produce the coupon at time of opening, which is not accurate. I have a photo of the mailer I received and which I provided at time of account opening. The mailer clearly states the coupon code and bonus amount. I would be happy to email a copy of this photo to all concerned parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did a hard inquiry on XXXX XXXX, XXXX. I never talked to or requested information from XXXX. No contact information has been reported by this creditor. I need this taken off my credit report.
Product: Mortgage

ONGOING ISSUE! My original loan was through Countrywide. From my understanding Countrywide never gave up the note on my home to the trust ... .not because the home is worth considerably less. Therefore you do n't have securities backed by this mortgage. If Countrywide never gave up my note then they have no standing in this foreclosure.
Product: Credit reporting or other personal consumer reports

I was never late on these account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these late payments. 

I was never late on these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

As per the guidelines from the Consumer Financial Protection Bureau the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  -Debt Final Rule 1002.142 ( b ) ( 4 ) -510022.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the fair credit reporting act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted. Please delete the following accounts XXXX acct number XXXX XXXX acct number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. acct number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this account once again for inaccurate information. The notice of dispute is missing from my previous disputes, which means no investigation was ever done. Thats is a violation. I also notice the payment history isnt correct either. I also have a Credit repair company helping with this account. Either it gets deleted or Ill be forced to file small claims.
Product: Credit reporting or other personal consumer reports

Inquiry noticed on my account XX/XX/year> I never gave any written consent for information to be furnished to Navy Federal Credit Union this is me opting out of my information being furnished with out my consent and under the privacy act and fair credit reporting act this is a violation of my privacy and my right to credit