23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I printed a letter to XXXX, Equifax XXXX XXXX, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that responded were XXXX. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from XXXX  and Equifax. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from XXXX  and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, XXXX  states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for XXXX, XXXX XXXX & Equifax its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.
Product: Debt collection

I am receiving an abundance of calls from Aargon Agency Inc. I have requested they ( he XXXX XXXX ) stop calling me. I'm not in debt with anyone and I don't know what the debt is for. I have not received a collection notice what so ever in the mail so I am not sure what the calls are in regards too-he keeps calling me after I personally advised him not too. He wont advise me what the debt is for.
Product: Debt collection

I communicated directly to Midland Funding LLC. I never received any response from them when I asked for verification of the debt.
Product: Checking or savings account

I sent money to my Citi savings from my XXXX savings for 6 months. Then, I needed the money to pay cash for a house til I refinanced. Citi has a {$50000.00} monthly transfer out so I made that and then called to do verify a wire transfer for the other {$50000.00} I needed. I spent 30 minutes of the phone with a foreign representative who was hard to understand who placed me on hold multiple times. During her questions verifying me the phone call had static and I could also hear her coworkers in the background laughing and talking. Once I was finally verified she told me the transfer would go through since we close in 2 days. The next morning I wake up to check my accounts. The money wasnt transferred to XXXX so I logged onto my Citi Account and the savings account was gone. I called Citi and had another static phone call with a foreign representative who put me on hold for 20 minutes. He said my account had a security hold on it but he didnt know why and hes researching it. This is the most frustrating and scary thing Ive ever encountered. I will not ever use Citi again and I wont be using them for my credit card either. If I dont get my money back, I will be suing. Im also at risk of losing the house Im supposed to close on because theyre holding my funds.
Product: Money transfer, virtual currency, or money service

I had fraud on my account through cash app block bank of over XXXX XXXX  I called and the told me to revert to my bank but XXXX  told me it had nothing to do with them and to revert back to cashapp as it was done through cashapp
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Experian 's Boost program. It is specifically the self reported account for XXXX. 

Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Original Creditor XXXX  Company Sold - Account Type Telecom Date Opened - Account Status Open Payment Status Current Status Updated XX/XX/2019 Usage - Balance {$58.00} Balance Updated XX/XX/2019 Original Amount - Monthly Payment {$58.00} This program, even though only about three months old, is flawed. Th problem is that this is installment account. So the payment is also being reported as a balance instead of showing XXXX. This is affecting my score.
Product: Debt collection

I was on-line looking at my credit report prior to buying a new vehicle an d noticed a medical collection I had no knowledge of.
Product: Credit reporting or other personal consumer reports

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX credit account number XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

I have XXXX credit inquires that did NOT come from me. 

The days are XX/XX/22 for all three. 

1. XXXX XXXX Phone # XXXX 2.XXXX XXXX PHONE # XXXX 3. Happy money inc Phone # XXXX
Product: Credit reporting or other personal consumer reports

I was recently contacted from a representative at NELNET XX/XX/year>. 
I was told they were assigned my Obligation from FEDLOAN.

Because I wasnt aware of the assignment change, I then asked NELNET for the Master Promissory Note, and all accounting records. I didnt receive the accounting records, and the promissory note was missing information and signatures were copied and pasted. XX/XX/year> I asked for the original Master Promissory Note, I didnt get a response. 

Then XX/XX/year>, after not hearing from NELNET. I received a billing statement, but instead of the billing statement coming to my original address, like all the others. It was sent to my Work address. I never put a request to change of address with NELNET. 

I then called NELNET to see why was my address changed, I was told they changed my address XX/XX/year>. When I asked who changed the address, I was told they use something called XXXX XXXX. I Never changed my address with USPS. And my Employer doesnt release private information. 

Instead of sending me the documents I asked for, NELNET changed my address.
Product: Debt collection

I have filed several complaints with CFPB, and now there is another debt collection agency trying to collect for the same invalid debt. This company is called XXXX XXXX XXXX XXXX. I have not gotten a tax refund since XX/XX/XXXX, because XXXX and the Department of education have been keeping my refund every year. I had a {$2500.00} loan in XX/XX/XXXX, and it was discharged because the school closed due to improper record keeping and faulty aka fraudulent student loans the school was conning students into signing. In XX/XX/XXXX I was part of the class action suit against XXXX XXXX. None of these debts have EVER been on my credit report, and the XXXX XXXX was so old it's has long ago since been removed from reports. All of this fraudulent student loan stuff with the debt collectors &  whatnot started in XX/XX/XXXX, right after Trump took office. I have documentation of every phone call ie : dates, times, names, etc since it started. I also have added up the amount of money taken from me from my tax refunds over the years and it adds up to a bit over {$10000.00}. I want my money back that has basically been stolen/embezzled from my tax returns for the past decade. I am more than willing to provide any info or documentation needed. 11 years for a charged off to begin with {$2500.00} debt from XX/XX/XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act # XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have been working with a mortgage lender ( XXXX XXXX XXXX Movement Mortgage ) for a refinance on my current home due to a pending divorce. I have a home equity loan on my home, and prior to " settling '' this debt with XXXX Mortgage, I confirmed with XXXX that this was the right move. He advised me to first request a XXXX from XXXX in an attempt to have them settle the entire amount ( {$7600.00} ), and if they were not willing to do this, offer a small settlement on the debt. XXXX agreed, I settled the {$7600.00} debt for {$1000.00}, paid it, received a receipt and sent the information to Movement Mortgage to proceed with Mortgage processing. Earlier this week, I received a denial from Movement Mortgage due SOLELY to the fact that they are calling the settlement a short sale. My lender thought ( in error I 've since found out ) that this would be considered more like credit card debt. I counted on my lender for sound advice and followed his advice. Now I will be unable to secure a FHA loan for 3 YEARS while this " bump '' on my credit seasons. I have called other mortgage lenders and found that I simply can not get the FHA Refinance I sought to secure. I am angry and feel this lenders advice has not only kept me from refinancing my home, it has also affected my credit ( which I have worked very hard over the last few years to improve ) It is not my job to understand the mortgage lending rules which is why I counted on my lender. While filing a complaint may not fix the problem, I would like to have the mortgage lender ( at a minimum ) reimburse me for the cost of the appraisal on my home ( {$490.00} ) since I am personally unable to complete the process due to misleading advice given me. I have email backup and will be happy to provide whatever documentation necessary.
Product: Debt collection

Hi I tried for 7 years to resolve this issue with XXXX. They sent my statement to an old address. They refused to send it to the new address. I have never received a statement. 
I've called and written to them 11 times.

They have sold the debts to 10 different credit collectors over the year. This has caused me to not be able to purchase a house, get credit, dropped my score from XXXX to XXXX. 

I called the new collection bureau and they refused to send me the statements. I have never received a statement from XX/XX/2012My husband died and I moved away. I gave them my new address and they never sent the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is not doing the correct job and protecting as a consumer i have submitted a FTC indentity report and everything and they still allow for this false account ( XXXX XXXX ) be reported on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : Original Creditor : 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

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX DEPT OF ED/XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX 
Account # : XXXX XXXX Account # : XXXX DPT EDXXXX Account # : XXXX These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Truist Bank
Product: Mortgage

I submitted a complete modification packet on XXXX/2017. Which were 37 days before my sale date. However Nationstar refuses to review my loan for any workout option. I have a increase of income I am making {$4800.00} per month. On XXXX/2017 I spoke with Agent XXXX XXXX he stated even if I was to show a income of one million. I still wont be eligible for a modification.
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I am doing everything I can to show Nationstar my intentions are to keep my home, I know most of the government modifications programs are over. However ; I can still be offer a in house modification. or something from my private investor. Because my home is under water. I was told by Agent XXXX id # XXXX Nationstar takes into consideration the estimated market value, delinquency of the loan and the pending principle balance to offer an affordable payment.
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Nationstar is using as an excused my active sale date for XXXX2017. Even though my packet was fax 37 days before the sale date. I follow the guidelines and still Nationstar refuses to work with me. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt on CFPB to get Experian to remove negative information that I disputed via certified mail on here and with the XXXX. Experian failed to co.plete their investigation in 30 days. They are continuing ignore me and leave the erroneous information on my consumer report. They are leaving me no choice but to take all my proof to court and seek my remedy as allowed by law. XXXX per violation, I will also be seeking legal fees along with defamation of character along with other offenses. If the cfpb can't help resolve the issues than who does a consumer have other than the courts? EXPERIAN is not above the law and I will not allow them to continue this behavior. I will not upload documents they received on here and via certified mail. They have it all already. It's been 44 days now and the investigation is not complete and they keep failing to follow the law and remove the disputed items. I have lost business funding totaling over {$250000.00} due to Experian violating my consumer rights knowingly and wilfully. I will seek to be my remedy in court
Product: Money transfer, virtual currency, or money service

Have tried to transfer $ from ally IRA acct to ext acct All 4 transfers have not gone thru Ally continues to delay w/o explanation
Product: Credit reporting

I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are TransUnion, XXXX, XXXX and XXXX. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with TransUnion on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact TransUnion and XXXX to do the same. TransUnion and XXXX has not. Ive attached the email from XXXX, the dispute results from TransUnion ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. XXXX, XXXX, XXXX, and TransUnion. My last dispute was with TransUnion on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, # XXXX, XXXX XXXX  Account # XXXX, # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion shows an incorrect D.O.B. on me. The agency show that I was born in 1911 with no month or date on their records. This would make me 108 years of age. I tried to fix the error online but they don't have a dispute area where I can fix the issue. I called the company and they refuse to validate who I am because their screening process refused to allow me to talk to anyone because they don't believe that I was NOT born in 1911. I tried to contact the company via XXXX and asked them to have someone call me directly so I can finally prove who I am and send them proof and they refused my request. 

The other two credit reporting agencies have my D.O.B. correct. I don't understand how an agency can't use common sense and take a direct phone call to fix the issue instead of someone stating that they can't fix my issue because I can't prove that I was NOT born in 1911. 

I would like to totally drop Experion as a credit reporting agency since they have proven to me that they are not a responsible business that can't be trusted. 

By law, can I totally drop Experion as a credit reporting agency? 

Thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to TransUnion requesting a thorough investigation into inaccurate items appearing on my credit report. Additionally, I disputed incorrect personal information listed in my report. To facilitate XXXX XXXX  verification of my identity and address, I enclosed a copy of my photo ID, Social Security card, and a recent bill reflecting my current address. 
I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is in direct contradiction to my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that if a consumer disputes the accuracy or completeness of any item of information within their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. XXXX XXXX refusal to process my legitimate request despite receiving the necessary verification documentation demonstrates a failure to meet this obligation. 
XXXX lack of action has effectively denied me the right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my rights under the FCRA is both frustrating and unacceptable. 
To support my claim, I have attached copies of my original dispute letter and XXXX XXXX response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I am filing a compliant with the CFPB because I haven't been able to get any type of response from the credit bureaus. They are not responding to any of my letters and that is a violation of my rights according to the FCRA. I am very stressed and don't know what else to do.