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

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items 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. Please adjust the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), the account details provided below have infringed upon my federally protected consumer rights, specifically the right to have accurate information reported. 

Account Information : Account Name : XXXX Account Number : XXXX I am composing this complaint to formally dispute the accuracy of the information reflected on my credit report. According to my records, the mentioned account has been paid in full and currently maintains a XXXX balance. However, I have observed that your reporting indicates a balance of {$520.00}, which constitutes a blatant violation of the FCRA. 

This reporting discrepancy is impeding my ability to secure new credit, and I am seeking a prompt resolution to rectify this matter. Your immediate attention to this issue is appreciated.
Product: Credit reporting or other personal consumer reports

They never fix my credit score and I was making payments every month for XXXX years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX replied back to an cfpd complaint and sent me a letter stating all 3 credit bureau reports has been updated to payment status current never later. However, transunion report still shows 30-60 days late and has not been updated properly
Product: Mortgage

Unauthorized withdrawal from XXXX  XXXX  Checking account by Mr Cooper. XX/XX/2021. They have fixed this issue. 
This error occurred to many individuals. Brought my checking account below XXXX. 
Again, not authorized!!!!!! No explanation or guarantee this will not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found items on my credit report that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX
Product: Debt collection

On XX/XX/XXXX I had paid amount owed to enterprise of {$75.00}. 

I was given a remittance ID Remittance ID XXXX I was contacted by First financial asset management corporation as well on XX/XX/XXXX and informed them by email the same day that I had paid and provided the confirmation number of payment for XXXX. 

I received further communication on XX/XX/XXXX asking me to pay again. I responded that I had already told them on XX/XX/XXXX that I had paid this debt and again provided the confirmation number. 

On XX/XX/XXXX further communication was made demanding payment for the debt or asking for further confirmation. This is not my responsibility. This debt has been paid, but for reference I am providing it below for the CFPB. 

Remittance ID XXXX Received XXXX Payment status COMPLETED Citation Number XXXX Rental Agreement Number XXXX Renters full name XXXX XXXX XXXX XXXX XXXX Currency USD Transaction type XXXX  Approval code XXXX Card information XXXX XXXX XXXX XXXX This is beyond inappropriate to continue to be contacted. I called the debt collector and informed them ( I spoke to XXXX XXXX ) that not only would I not want to hear from them ever again and considered this harassment but I would appreciate a written confirmation that this issue is resolved. They refused to provide this.
Product: Credit reporting or other personal consumer reports

When the company does a 7 year back ground check on me the info that you all give is XXXX years old. I ask to speak to someone or please stop supplying information from XXXX. My phone # is XXXX my email is XXXX. would appreciate someone getting back to me. I do not authorize any information being given out by you ( sterling ) that goes past XXXX. My original charges that you report are from XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only a single bureau or agency is reporting this account negative and I do not understand why they are doing this. Please help me get this removed.
Product: Bank account or service

USAA opened an account using variations of my information. The debt has since been paid but USAA refuses to update the records with  XXXX   XXXX   XXXX ,  XXXX , and  XXXX  that the debt has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to present ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XX/XX/XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.
Product: Checking or savings account

I have a ROTH IRA savings ( interest-bearing ) account with Ally Bank. On XX/XX/XXXX ( tax filing day in XXXX due to covid-19 ), I logged in to Ally 's website and initiated a transfer from an external bank account to my IRA. I input the amount of money I wanted to deposit, I ticked the box to ensure it was a prior year contribution ( XXXX ), not the box for current year ( XXXX ), and it generated a PDF ( which should be logged in their systems ) with the date that I then signed. I then took a photo of the signed form, put it and a check for the amount from my external account in the prepaid envelope and then took a photo of me dropping it in the mailbox on the evening of XX/XX/XXXX. Ally requires all IRA contributions to be written and signed on paper, so I could not do this fully electronically. 

The amount was withdrawn from my external account and then showed up in my Ally IRA, but I received a call saying that because the postmark on the envelope was XX/XX/XXXX, they could not credit it for the prior year ( XXXX ) and had to credit it to the current year ( XXXX ). I disputed this but after speaking to a supervisor they said the auditors could not bend these compliance rules. 

After learning I could not credit this to XXXX, I asked if I could have the transaction voided ab initio and undone, as if I had never sent the check in the first place, as this would affect the limit for other contributions I could make in tax year XXXX. I noted that my signed request did not authorize a deposit for the current tax year, but only the prior tax year, and them crediting it to a year that I did not authorize could have significant tax implications for me, and presumably other clients. However, after checking with auditors, they said they could only remove the money by sending me a check and treating it as a distribution ( " excess contribution '' ) from the IRA, which would not only use up the contribution room I didn't want used up but also subject me to tax implications for this withdrawal. Apparently the auditors were sticklers for compliance with the postmark but not with my authorization of which tax year I specifically requested a deposit in. 

I have talked to two people now and this has been escalated further, and I have asked that all future correspondence be copied in writing and that past calls be saved.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Servicing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nebraska XXXX Subject : Formal Dispute of Student Loan Reporting Due to FERPA Violation Dear Nenlet Servicing, I am formally disputing the reporting and handling of my student loan information due to a violation of the Family Educational Rights and Privacy Act ( FERPA ). Under 20 U.S. Code 1232g, my educational recordsincluding loan-related datashould not have been disclosed, accessed, or reported without my explicit consent.

Upon reviewing my records, I have identified misuse and/or unauthorized disclosure of my student loan information in the following manner : Disputed Issue ( s ) : Unauthorized disclosure of loan information to third parties.

Unapproved access to my educational records This FERPA violation has resulted in privacy concerns.As such, I demand an immediate investigation and resolution of this matter.

Requested Actions : 1. An investigation into the unauthorized disclosure and/or inaccurate reporting of my student loan records.

2. Immediate correction or removal of the disputed information from my credit report ( if applicable ).

3. A written statement detailing the findings of your investigation.

4. Disclosure of any third parties that improperly accessed my educational records.

If this issue is not resolved within 30 days, I am prepared to escalate my complaint to the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and other relevant agencies for regulatory enforcement. Additionally, I reserve the right to seek legal remedies for any damages incurred due to this violation. 

I have enclosed documents to support my claim. Please contact me at ( XXXX ) XXXX or XXXX should you require further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free XXXX  Annual Credit Report online. '' -- XXXX " A condition exists that prevents XXXX  from being able to accept your request at this time. '' -- XXXX  " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- TransUnion
Product: Mortgage

I RECEIVED NOTICE FROM US BANK HOME FORECLOSURE LAWYERS, XXXX AND XXXX, XXXX REGARDING MY MORTAGE NOT BEING PAID FOR 3 MONTHS AND NOTICE OF FOLECLOSURE ON MY HOME. I MISSED XXXX AND XX/XX/2023 PAYMENTS, I REACHED OUT TO XXXX XXXX XXXX FOR HELP. ONCE MY INFORMATION WAS RECEIVED FROM XXXX XXXX XXXX, I DID RECEIVE HELP WITH MY MORTGAGE ARREARS AMOUNT. THE AMOUNT PAID WAS {$3300.00}, THE TOOK CARE OF XXXX, XXXX AND XXXX PAYMENTS. US BANK PURPOSELY HELD ON THE PAYMENT FROM XXXX XXXX FOR 30 DAYS, THEY RECEIVED PAYMENTS ON/OR AROUND XX/XX/2023 FOR {$3300.00}, AND HELD THESE FUNDS UNTIL MY ARREARS AMOUNT REACHED 3 MONTHS. I HAVE RECEIVED SEVERAL NOTICES FROM THESE FORECLOSURE ATTONEY 'S XXXX AND XXXX, XXXX THEY ARE LOCATED IN XXXX XXXX. NOW THESE ATTORNEY 'S ARE TRYING TO ADD ADDITIONAL FEES FOR ME TO THEM FOR ATTEMPTING TO FORECLOSE ON MY HOME. THEY WANT ME TO PAID {$1000.00} IN ATTORNEY FEES AND PLUS A CHARGE FOR {$180.00}. I DON'T BELEIVE I SHOULD BE FORCED TO PAY ANY FEES FOR US BANK XXXX XXXX PURPOSELY HOLDING ON THE FUNDS THAT SHOULD HAVE BEEN RELEASED AND APPLIED TO MY MORTGAGE ACCCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I submitted a request for multiple accounts to be investigated on my XXXX  credit report. XXXX  will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me XXXX  has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agency reporting inaccurate and invalid account information. Advised them and nothing was done. They shared private personal and financial information with others without my consent in which I did not authorize or benefit from. Compiled these private matters without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, AGAIN, SEE THE ATTACHED DOCUMENT FOR IMMEDIATE REMEDY!
Product: Mortgage

Our house burned down XX/XX/2018. We immediately contacted our insurance and mortgage company. When insurance pays they send it to your mortgage company all of it not just what you owe on the mortgage. NewRez Mortgage company is who we have our mortgage with. It has been like pulling teeth to get them to pay us the money that insurance sent to them. We tried sending the builders pay schedule, ( they said they dont work like that ) sent too many emails to count, made phone calls etc. They either take a very long time to get back with you or they dont contact you at all. When you call them they tell you they will do something but they dont. They tell you they will call you back but they dont. They tell you they have not heard anything but then you talk to another person and they tell you they have heard something. We had to have 2 inspections done by them to receive more money after The first one we never heard back so we started calling and they had sent the wrong form to be filled out so it was a bogus inspection. They finally sent money but they sent it to the wrong address so we had to track it down and what should have been overnight took over a week for us to receive We have also had the last inspection for a final release and yet we have still not been given our money. The inspection was done on XX/XX/XXXX They are suppose to have 10 days to release funds but when we can finally get someone on the phone. They say we have not received an inspection report or We received a report but it came back at showing the house was only 1 % complete or they dont call or write you back at all. We are officially living in the house now and they still have not released the money or contacted us. We have asked for the rest of the money plus the interest earned while they were keeping the money but we never hear from them. We have had to borrow money and cash in 401 documents and cash in mutual fund documents etc. all of which we will have to pays thousands of dollars in taxes on all because they would not release the money in time for us to pay the builder. I dont know how they get away with treating their customers like this. We have no choice who our mortgage gets sold to and maybe none of them are any better but this whole experience has been made 100 times worse because of how NewRez chose to do things.
Product: Student loan

XX/XX/XXXX I spoke with a representative of Equitable Student Loan Solution and was informed that this company would help in the Student Loan Forgiveness Program. Other family members and I were told that a discount would be applied for those who work with the government. Also, payments of {$49.00} would come out of my account monthly. On XX/XX/XXXX, I was informed by a representative of the Student Loans Processing department at XXXX that I was " not able to cancel out of the program because your contract was approved. '' The paperwork that was completed for the transfer of the student loans is what Equitable said the payment was for, which was transferred to XXXX. XX/XX/XXXX XXXX was paid in full, {$1300.00} ( Subsidized ) and {$1200.00} ( Unsubsidized ). Equitable Acceptance Corporation ( the first company to say payments would be made to them, but considered the third party company ) was paid ( {$1600.00} ) in full on XX/XX/XXXX. If I did not pay Equitable it would ruin my credit according to their employees because the paperwork was processed and I had to pay for the work that was completed by them.
Product: Money transfer, virtual currency, or money service

Cashiers check stolen. Felon altered check and cashed it. Wells Fargo noted check was a fraud and denied deposit. They notified me that my missing check was found and that my money was safe. They said after fraud investigation paperwork was filled out my money will be refunded. XXXX. They have not refunded the money and are not calling me back.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX $ XXXX  XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX
Product: Checking or savings account

Ally bank seems to have insufficient resource to handle calls and messages for customers. Long wait times for call ins to the call center. Lack of response to messages or very late meaningless replys to messages regarding out of bank transfers. 

Please find out what the problem is... 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I deal with a lot being a young single mother. There's a lot of stress. So when this account popped up on my report hurting my score, I didn't know what to do. I elected to pay it off because I didn't know my rights. Come to find out, that didn't help and the account is still on my report and it never belonged to me to begin with. I learned that I can dispute this information and have submitted a complaint with the ftc. On there site, they explain that section 605 of the FCRA mandates you to remove fraudulent accounts with 4 days. Please help me in this dreadful situation. Thank you! I also noticed some inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX