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

Ive reached out to all credit reporting agencies over the course of the past 2 years to be exact in regards to my rights being violated, inaccurate findings, fraudulent findings, and unfortunately they did the bare minimum if that to ever resolve or correct the issues at hand. Ive reached out to them via phone calls, letters, disputes online. Unfortunately XXXX, XXXX as well as experian. All are still in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) which states that transactions between the consumer and the person/corporation making the report shall be excluded/ not included. But yet all 3 credit reporting agencies fail to comply with this law. Might I add pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) the reporting of excluded information on a consumer report is a clear violation of Metro 2 compliance. I need the metro 2 compliance disclosures on reporting transactions to a consumer reporting agency. All derogatory and defamation of character transactions that are reporting as collections, inquiries, charge off, or late need to be removed EFFECTIVE IMMEDIATELY! My time is valuable please dont waste it. Please dont send me any stall tactics, or any other verified or validated responses. I didnt ask for you to validate or verify anything. So again, please dont waste my time. Time is money and between the back and forth that Ive gone through with these agencies a lot of time and money have been wasted. Not to mention the damages that these violations have caused. The negative accounts that have Been placed in collections or listed as charged off were done without me receiving a copy of the IRS form 1099-C cancellation of debt. XXXX, experian, XXXX  and the creditors reporting late payments, Charge offs, or any defamation and derogatory information on my consumer reports are in violation of 26 usc ss 6050P Returns Relating to the cancellation of indebtedness By certain Entities. If this derogatory account information is not deleted within 30 days, I will unfortunately have to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

I have been in contact with this debt collection since day 1 trying to come up with settlement. They have my address and phone number to reach me any time. They garnished my wages a year ago, and I was told I was good with them and the apartment complex from now on. However, the debt collection company called me after I was sent a letter saying my account was settled asking for more money. Then, when I told them that was incorrect and I would not pay, they called my employer. I had made it clear to them that they could not contact my employer before, and I have always made sure they have my contact information. So not only are they asking me for debt that was settled, but they 're also still reporting to the credit agencies that my account is n't settled, and they have attempted calling my employer.
Product: Mortgage

I am having trouble getting a customer service representative to speak to me at Freedom Mortgage. Anytime I call, I am constantly put in an endless loop of auto generated messages until I am ultimately disconnected. No one ever calls you back or follows up via email. If you are able to get with someone, they are foreign, rude and don't have answers to your questions more often than not. I have never missed a payment on my mortgage and called in on XX/XX/24 to ask about having my mortgage insurance premium removed and they gave me a roundabout response without actual details. When I asked for a supervisor or manager, they placed me on a long hold and routed me back to square one. It is infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received USPS change of address verification letter on XX/XX/2022. Contacted USPS and advised change was not requested and to cancel change of address. On XXXX XXXX received a credit card in the mail from XXXX XXXXXXXX XXXX  and a letter from same dated XX/XX/2022 about my application/request for the card. I did not make this request or application. On XX/XX/2022 received a credit card from XXXX XXXX that stated I had requested it. I did not apply or request this card. On XX/XX/2022 I called both companies and reported them as not requested and cancelled them. On XX/XX/2022 I ran my 3 credit reports. There was a different credit card that was opened XX/XX/2022 that I know nothing about. Experian and XXXX both had XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX as an address for me that is not mine as I have lived in Colorado my entire life. 
Experian asked us to file this report and upload it to them.
Product: Debt collection

I have reaIched out to this collection company many times in the past. I did not authorize any transactions with this company or XXXX XXXX. I have asked Naitonal Credit Adjusters to provide me with verifiable proof to include my signature. I have been told by agent at Natioanal Credit Adjusters they do not have to provide me with verifiable proof with my signature. 


This is not my debit and this collection agency is not licensed in the state of TN nor is there a office in the state of TN.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. 

You are also violating my rights under XXXXXXXX XXXX XXXX XXXX XXXX. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 


This negligence to remove these fraud information has caused me great stress and a very low score on my credit report here are the following fraud accounts XXXX  XXXX XXXX XXXX XXXX names that are not related to me what soever XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Also the next addrese never lived there ever XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX and finally these inquirires that I have not requested any service with these creditors on the dates mentioned XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been on XXXX since XX/XX/XXXX. All of my private loans from Navient have gone through a XXXX discharge during that phase. XX/XX/XXXX, Navient had reduced only XXXX of XXXX loans with the exception of loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX. Loan ( 3 ) XXXX College XXXX was reduced as I am able to make that payment while I am on Social Security XXXX Income. I explained to XXXX 's Customer Advocates Office that I still can not make a reasonable payment towards the loans. I was denied by XXXX 's Customer Advocates Office since I have a co-signer on loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX they will not reduce my loans. Also, Navient has harassed the co-signer and has tried to have all co-signed loans in their name instead of working with me so I can afford to pay on the loans. Since being unable to make a manageable payment my total payment due is {$810.00}. My monthly payment normally is {$280.00} with a past due amount of {$520.00}. My total monthly income is {$1700.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my credit report on XXXX. XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. and according to 15 USC 1681s-2 they are suppose to 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. These car loans are from the same car that was sold for market value of the car worth at an auction for what the car was worth and there charging me for the price that was sold to me. They never reached out out to me to see if I wanted to buy the car at its current market price.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported two Bankruptcies on my credit report that are dismissed. I have filed a dispute on several occasions stating that dismissed Bankruptcies no longer exist in the eyes of the law, according to the Fair Credit Reporting Act so they must be deleted. In section 1681c, the FCRA mentions nothing about keeping dismissed Bankruptcy information on ones credit report. This has caused me extreme hardship because Equifax has no right to maintain information which the government has deemed nonexistent. If they don't comply, I will be forced to litigate without fail. The Bankruptcies that need to be deleted are dated, XX/XX/XXXX  and XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid of the account in full almost 2 years ago. However, the company constantly keeps reporting the account to the credit bureaus. In addition, the status constantly changes from closed to open. I have reached out to the company several times to remove the account, due to it being paid and full and inaccurate reporting. I am in the process of purchasing a home and ca n't have these errors on my report.
Product: Debt collection

In XX/XX/XXXX my XXXXXXXX XXXX XXXX were not working do to repair work XXXX had to complete and they informed me it would be completed until sometime towards the middle of XX/XX/XXXX. I asked for credit as I had no service and they informed me credit would be applied once repair was completed so they would know total credit. Since I could not wait a month for service I switched to XXXX XXXX. In XX/XX/XXXX I received a bill from XXXX and I called them and they said there was nothing do credit was applied to my account. I have not received anything from them until this month when I received a collection notice from XXXX, XXXX XXXX XXXX for XXXX. They basically told me it was my word against XXXX.
Product: Debt collection

I am continuously being hounded, because of a debt that I 've proven to be brought on by identity theft, and therefore invalid. This time, a different collection agency is looking to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Checking or savings account

I was XXXX XXXX XXXX when I was hit by a car and my mother sued the hit and runner I was given a settlement so by the time I was XXXX I can access my money Judge XXXX XXXX signed of a bank slip and deposited money into the M & T Bank account XX/XX/year> as I turned XXXX M & T released my funds to unclaimed fund as a XXXX account meaning my mother has all control over it which should not be an option there is court documented proof stating XXXX XXXX was supposed to execute a general release to my funds
Product: Bank account or service

Rush card has not released my direct deposit. I am unable to withdraw any funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, without authorization Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft DISCOVERBANK Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Your company illegally reported private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant your company permissible purpose to report it, and I have not been notified that this information is being provided to the highest bidders. The alleged debt was during a time in my life of struggle, medical issues, and mental anguish. I have since sustained further emotional and psychological damages because of your company 's unfair and deceptive practices. I am currently rebuilding my life, but your companys willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting Account ( Acct # ) *XXXX XXXX  # # # # # # XXXX *XXXX XXXX XXXX XXXX XXXX {$9300.00} - - - *XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX *XXXX XXXX XXXX XXXX {$0.00} - - - *XXXX XXXX XXXX XXXX {$0.00} - - - *XXXX XXXX  XXXX {$250.00} - - - *XXXX XXXX XXXX XXXX {$0.00} {$0.00} *XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX Inquiry *XXXX XXXX XXXX via EQUIFAX MORTGAGE SERVICE XX/XX/XXXX INQUIRY XXXX XXXX XXXX  via XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY *XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX STO via XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX INQUIRY to your consumer reporting agency. 
- Remove reporting from all consumer reporting agencies. 
- Provide acknowledgment of this official notification that I am opting out of your reporting. 
Do not report ANY information bearing my identification. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I attended a XXXX timeshare presentation with my girlfriend XXXX XXXX. We finally agreed to the purchase with the understanding that there was zero deposit down. On or about XX/XX/2019 I received a letter in the mail from Comenity stating I had been approved for a line of credit. I had no idea what this was for. I called Comenity about the letter I received from them and they said that {$5300.00} was charged for a down payment for a XXXX timeshare. Also, A couple days later I was notified by XXXX XXXX that my credit score had been lowered. 

I specifically told our salesperson and her manager that I did not want any kind of credit card or credit account and never authorized her to apply for any credit card or credit account. I personally never applied for or gave any representative authorization to apply for a Comenity Bank XXXX XXXX Credit Account. 



I was not aware of a Comenity XXXX XXXX XXXX Account until I received the letter from Comenity stating that I had been approved for a line of credit and then called them to ask them what this was for. Because someone applied for this credit account and charged {$5300.00} to it without my knowledge or consent, I filed a Statement of Fraud with Comenity Bank and asked for a copy of the application that I would have filled out if I had agreed to apply for this line of credit. Comenity Bank could not and would not produce it and they told me I needed a subpoena to get a copy of my application. I never filled out an application nor did I give my consent or acknowledgment for this credit account that XXXX charged {$5300.00} to.
Product: Debt collection

Attempts to collect on an alleged debt. Repeated calls. Refusal to remove an alleged debt. Texas Statute of limitations is 4 years.
Product: Mortgage

Improper contact or sharing of information. Contacted me AGAIN instead of my attorney. ( See previous complaint ). I received a letter from SPS, postmarked XX/XX/2015, addressed to me. It should have been addressed to my attorney, XXXX XXXX. This is the XXXX violation of consumer financial protection law, in my case, concerning improper contact. Letter and envelope is available on request. XXXX XXXX
Product: Checking or savings account

I current have a money market account with Citizens Bank. I realized I am not contributing to it anymore and it was becoming negative. I called them and asked them to close it. They said I need to pay the balance. I paid the negative balance and the account became positive with enough money for them to take care of the statement fee. However, they refuse to close the account. Now, they are charging me maintenance fee and statement fees. I called them and they want me to pay the negative balance again. That is not fair and I am the Government to take a look into this matter as tax payer.
Product: Mortgage

An appraisal was performed on my home and appraisal report received and submitted to the Lender on XX/XX/XXXX, the report was submitted 'Subject to ', the lenders receipt of this appraisal report constitutes knowledge of the need for an appraisal completion report. The Lender then has three days to resdisclose the Appraisal Fee associated with the Appraisal completion report. The fee was not redisclosed within the time frame allowed and further, when a loan estimate was eventually redisclosed on XX/XX/XXXX for  a change in loan program and loan amount, the appraisal fee increase was n't redisclosed then either. A closing disclosure was supposed to go out on XX/XX/XXXX and we were told throughout the day by XXXX XXXX, US Banks Account Executive, that they were working on the clear to close and closing disclosure so that they would be ready to release the closing disclosure as soon as they received the clear to close, throughout the day I was continually told by XXXX that he was waiting for answers back from mangers to get my file pushed through, it was only at the end of the day XXXX admitted they would only be working on completing the Clear to close and the closing team for sending out a Closing Disclosure had already gone home for the day. The reason for the file taking so long to get clear to close was not given, however the next day when we were still waiting on a Closing Disclosure, I received instead another Loan Estimate, US Bank was attempting to redisclose the appraisal completion report fee on the Loan Estimate. This is out of compliance for redisclosing the fee as the point of knowledge was XX/XX/XXXX and the redisclosure was on XX/XX/XXXX, nearly two weeks later. Its clear to me the delay in issuing the clear to close was so that the loan would not be able to close as scheduled on XX/XX/XXXX and we would be unable to fund XX/XX/XXXX, by pushing out the closing disclosure by one day they manufactured for themselves a need to extend the lock which was set to expire on XX/XX/XXXX and subsequently a need to issue a change of circumstance to extend the lock, all to my detriment, at my expense. They included the Appraisal fee on the redisclosure which is in violation of the three day rule and from my point of view they manipulated my ability to close on time in order to do it. I had been very plain and communicative with US Bank, and XXXX XXXX in particular, that we needed to close by the XX/XX/XXXX and fund by the XX/XX/XXXX in order for me to be able to pay my contractors in time for work that was completed on my home, pushing my closing date out has a real, tangible, negative financial impact on me and sours my relationship with contractors that have performed admirably for me to complete work on my home, contractors I will likely want to eventually use again, so US Banks actions, in violation of TRID rules, have been detrimental to me in both real financial terms and in personal consequences.