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

On XXXX/XXXX/XXXX, I submitted a request to Transunion asking to have XXXX public records deleted from my credit report because they no longer met the new minimum federal guidelines for reporting. Transunion responded by stating the information was correct ; but they never addressed the initial request to remove the aforementioned items because they did not contain the minimum consumer identifying information. I submitted a second request on XXXX/XXXX/XXXX and included copies of the public records with the missing consumer information, however Transunion has failed to respond.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX, NJ, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account open date XX/XX/XXXX have a account with : XXXX XXXX  XXXX  # XXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item from my Credit Report
Product: Credit reporting or other personal consumer reports

YOU BROKE THE LAW!!! 
You are in violation of my rights and you broke the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports cleary states that i have to give you permission to report anything on my credit report. 
NO CONSENT FROM ME IS CONSIDERED IDENTY THEFT! 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates I DID NOT GIVE YOU PREMISSION TO DUE SO AND YOU GUYS DONT HAVE OR NEVER HAVE HAD ANYTHING IN WRITTING SAYING THAT I GIVE YOU PREMISSION TO DUE SO! I HAVE CONTROL OVER WHAT GETS REPORTED AND THE PRIVACY OF MY REPORT. 
YOU WILL DELETE THESE ACCOUNTS! 

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 15 U.S. Code 6801 - Protection of nonpublic personal information - cleary states that ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

All eight of those financial institutions have violated and broken the law by not protecting my privacy and giving you my none public personal information, They know they are in violation and your company knows accepting this information and reporting it is in violation also you just do it anyway in hopes that people dont know their rights!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information again this goes into more detail about sharing my none public information and states that no financial institution shall give my information to nonaffiliated third party. 
The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. YOUR COMPANY IS A NONAFFILIATED THIRD PARTY!!
Product: Credit reporting

Online identity verification questions ask nonsense questions. Every year when I try to get my free credit report from XXXX, XXXX, and TransUnion, I 'm never able to get all XXXX reports. Every year at least XXXX of the XXXX asks, " In what state was your social security number issued? '' and it offers me multiple choice answers, including my state of residency, the state of Virginia, another state, and " none of the above. '' The entire question is nonsensical, because all any person can possibly know is in which state they applied for the social security number ; they can not possibly know in which state the social security number was eventually issued. This is particularly true in the case of anyone who has immigrated to America and has become a U.S. citizen, whose social security number was applied for from the national government and could have been issued, literally, from almost any state. This question is impossible to answer correctly. By asking this unanswerable question, the credit reporting agency has made it impossible to obtain my XXXX credit report online.
Product: Checking or savings account

Last year I submitted a complaint against Chase Bank for closing my account for no apparent reason and with no explanation. In light of the announcement of CFPB fining XXXX XXXX for discrimination against American XXXX due to XXXX background. I believe Chase Bank has committed the same matter on this case on XXXX similar to what XXXX XXXX had done to other XXXX. 

There was no resolution from my previous complaint submittal.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request that you review the inconsistencies found in the report made, a report of one month of rent not paid but the dates do not match, the rent of XX/XX/2023 is being required but the contract ended on XX/XX/2023 amount that is being demanded of {$1900.00} when the monthly payment was {$1500.00} payment that was made through a third party called XXXX that the same company that issued the report recommended that payments be issued through this company XXXX. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 
Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency and you the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit cards and Auto loan account opened at XXXX along with a Personal Credit card and loans that include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

Please see the attached letter from XXXX XXXX XXXX XXXXXXXX dated XXXX for account number ending in XXXX stating a " Letter of Proof '' that this negatively reported account under XXXX XXXX XXXX XXXX XXXX as well as " XXXX '' and " XXXX  '' was investigated and found to " not be mine. '' The letter further states that I am not responsible for " Any '' of the reported balance, and this letter should be offered as evidence to all Bureaus for " deletion. '' Please delete this negatively reported account from my " Credit File '' and credit report under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

FRAUDULENT MORTGAGE LOAN SERVICING ( XXXX ) BY XXXX XXXX XXXX, SPECIALIZED LOAN SERVICING ( SLS ) AND XXXX XXXX XXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) WITH RESPECT TO XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX LOAN # : XXXX, SLS LOAN # : XXXX XXXX XXXX XXXX, Specialized Loan Servicing ( SLS ) and XXXX XXXX XXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) have violated the mortgage origination documents by introducing a new unsolicited balloon loan of {$380000.00} into the home relief option expected to bring relief to the borrower ; but now pain, because they have threatened to foreclose my property unless I agree to sign the additional balloon loan agreement on or before XX/XX/XXXX ; as a solution to resolve the unpaid arrears of {$100000.00}. They refused the extension of the maturity date of the loan from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX as the Retention program provides ; but instead allow only 1 month extension from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
Specifically they are violating Clause 3F of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) which categorically states that only the deferred non-interest bearing amount of {$150000.00} will be due for payment at maturity, by year XXXX ; or when the mortgage principal of {$510000.00} is paid off ( see page 109 of the attachment ). SLS claim the balloon amount is at the instance of the Investors guidelines- XXXX XXXX XXXX XXXX XXXX ; which violates all the agreements concerning the mortgage loan and therefore violates RESPA and Home Retention Program. 
Specifically they have violated Clause 4 of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) -RESPA because they have refused to account for the application of the about {$560000.00} I have paid towards principal and interest payments from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Experian has repeatedly neglected their legal obligations in handling my credit report disputes, and I am requesting your intervention to resolve these issues for the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Complaint Details : 1. Failure to Verify Accounts ( 15 U.S. Code 1692g ) : Experian has failed to provide verification of accounts I have disputed. Under this provision, they are required to provide sufficient documentation to validate that the accounts are legitimately mine, which they have not done.

2. Failure to Provide Proof of Validation ( 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ) ) : Despite my repeated requests, Experian has not provided proof of validation or a purchase agreement verifying that the disputed accounts belong to me. Without such documentation, their continued reporting of these accounts constitutes a violation of federal law.

3. Reinsertion of Incorrect Information ( 15 U.S. Code 1681 ( a ) ( 4 ) ) : Experian has wrongfully re-added disputed accounts to my credit report without proper notification or verification. As stipulated by the FCRA, this is a clear violation of my rights as a consumer and has caused significant harm to my credit standing. 
4. Failure to Ensure Accurate Reporting : Experian has failed to ensure that my credit report reflects accurate and validated information. By failing to validate or remove disputed items, Experian is acting in direct violation of FCRA requirements. 

Requested Resolution : I am requesting that the CFPB intervene to ensure that : Experian removes the inaccurate and unverified accounts from my credit report immediately. 
Experian provides documented proof of validation and verification for any accounts they continue to report. 
Experian ceases the practice of re-adding disputed accounts without proper verification and notification. 


The actions of Experian have caused unnecessary stress and harm to my credit profile. I respectfully request that the CFPB take immediate action to hold Experian accountable for their noncompliance with federal laws. 

Thank you for your time and assistance in addressing this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because Experian is inaccurately reporting that I have a bankruptcy on my credit record. This has adversely affected me.I have attached a letter from XXXX showing that this false reporting has caused them to change my credit terms.
Product: Mortgage

I had a mortgage loan through Round Point Mortgage and serviced through their Roundpoint Mortgage servicing department. We closed the loan through the sale of our home on XXXX XXXX. At the time of the sale of our home we had a balance of {$2700.00} in our escrow account and we ca n't get it refunded to us by Roundpoint Mortgage Servicing. Each time we call we are given a new excuse ... it takes 7 to 10 days, it takes 10 to 15 days, it takes 20-30 days. It has been nearly 60 days since we closed and yet no refund of our escrow account They claimed they sent it but we never received it and when asked to stop payment and resend, we keep getting the run around. I have called 8 times in the past week asking for managers, supervisors etc and no one will return my call regarding this refund. Any help would be greatly appreciated. Thank you XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received many payloans over the years from Easy Money. Normally they are easy to work with ; however since I have to keep re-borrowing to pay bills you get in a cycle where you can't get out of them without penalty to your other bills. The fees are {$87.00} to borrow {$500.00} and I'm sure over the years they have got me for over {$2000.00} or even {$3000.00} in fees. 

I called Easy Money today, XX/XX/2019 at the XXXX, Alabama location. My loan was due XX/XX/2019 and I lost my job on XX/XX/2019 and am having to move and I didn't get a lot on my last check. My tax return is supposed to be deposited on or around XX/XX/2019. They had called my phone at least 4 times over the weekend and twice this morning ( XX/XX/2019 ) and didn't leave a message which is annoying. I knew I needed to take care of it so I called around XXXX XXXX XXXX XXXX  to the local store and identified myself. I asked that since I lost my job and my income tax was coming back on XX/XX/2019 if they could hold it until then and I would take care of it. The girl named XXXX said " absolutely NOT '' with an attitude and I told her they have done that before for a few days to let me take care of it. I specifically asked her if she had deposited it yet and she said either today at XXXX XXXX   or tomorrow at XXXX XXXX the check would go in. I specifically asked her again if she could please hold the check for 3 more days so I wouldn't get any fees. She said " absolutely not '' with attitude and I told her the check WOULD bounce if she put it through at those times and she said " you'll incur fees at your bank AND with Easy Money. '' I told her I would get it back by them taking it off the loan when the check came back and she argued with me and told me she was just sending it through immediately since I made her angry apparently. She maliciously and knowingly put the check through to incur fees when I told her specifically I could take care of it in three days. My bank will charge me {$40.00} for the transaction and Easy Money will charge me {$30.00} or something like that. It will cost me {$70.00} extra. Again, this was malicious and deliberate in order to get fees. 

In the past I have called and said I had issues and they sometimes hold it until I get can back and take care of it but XXXX refused and told me I was out of luck and she was sending the check through in order for me to incur extra fees. 

I wish you all would shut these sharks down. I do not plan to use them anymore, even if I have to eat out of a paper bag behind the dumpster. They are crooks and ripoffs and should not be in business. 

I will enter my mailing address as I don't want Easy Money or CFBP to send any mail to my actual house address for others to see. 

My home address is XXXX XXXX XXXX, XXXX XXXX, AL XXXX ; however please do not send any mail here, please use XXXX XXXX XXXX address for any correspondence.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XXXX XXXX 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Mortgage

I closed on a home XXXX/XXXX/16 and Nationstar was my assigned mortgage company. I have received nothing but INCOMPETENT mortgage servicing of my loan since then ranging from mis-sending my mortgage payment twice, ignoring customer input on payment coupon twice, paying my homeowners insurance twice and recently misapplication of funds. I 'm tired of babysitting my mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was in a car accident. They representative asked me for all my info for the car and I had sent a payment for that current month due. I did not know any better given the fact I had purchased XXXX coverage I thought I was going to be fine. Insurance claim for the other party paid car and I was then claim and coverage would pay off the car, leaving me with no car and they were paid then I received notification my credit showed it as profit and loss for an unknown amount. Then out of nowhere I received a XXXX check from XXXX XXXX XXXX and now they report it as negative and had I had all the documentation I would of taken care of this then, I was left with no vehicle this ding on my credit report and they have never sent me the documentation of the end result of my car note.
Product: Mortgage

SPS is illegally foreclosing on my house. I sent them a tort letter that they have yet to respond to when its only a week before my foreclosure date.
Product: Credit card

On XX/XX/XXXX I XXXX XXXX # XXXX have been in the XXXX  XXXX XXXX XXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I Submitted a dispute for a credit card Account beeing opened up in my name due to fraud, I sent it by way of USPS mail servis. To : Discover Bank # XXXX, they never responded back. But yet this bank has put this balance on my consumer report. Had this company Done their due diligence and answered my dispute they wouldve have seen Ive been in the XXXX  XXXX XXXX XXXX since XX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that u order company of to answer this complain
Product: Credit reporting

Well I have recently been looking into credit score and I have a few things on my score that need to be removed if possible. The three things are a phone bill for XXXX XXXX XXXX, one with XXXX, and one with XXXX. These places are all in XXXX, in and I have never dealt with any of these
Product: Student loan

I reached out to Nelnet unsuccessfully and disputed items from my credit report as it caused my points to drop by XXXX. The issue is I have never applied to any of the schools that they have me for nor was I living in the area where the schools attended. I have provided in the dispute my FTC complaint number and the case number for the police report I filed back in 2011 when I lost my wallet. I believe that when I lost my wallet that included everything from my ID, credit cards and social security number that it was used to obtain not only credit cards, loans and medical procedures but now student loans.
Product: Debt collection

I received a collections notice from Paramount recovery services for a medical bill from 2018. Over a year ago I submitted the same information from a different collections agency for the same debt. I called Paramount and they would not help. 

This is for a hospital stay from XXXX in 2018. My insurance paid the entire bill including three of these charges for the same amount. After spending all day, every day for at least two weeks on the phone with XXXX hospital, doctors, customer care agents and more they still could not identify who I needed to contact about this. 

During the fall of last year I sent this information to you at CFPB and it was cleared immediately as not being owed by me. 

How is it legal for these collections companies to sell invalid debt and hound patients for years? It has destroyed my credit and I am fed up. 

Please let me know what additional information I can provide. Thank you.