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

I asked Transunion to provide documentation of the accounts they validated through certified mail tracking number XXXX on XX/XX/2024 Subject : Request for Documentation of Account Validation Dear Transunion Consumer Relations, I am writing in reference to my recent inquiry regarding the validation of my accounts. I have been informed that my accounts have been validated on XX/XX/2024 from you online ; however, I have not received any supporting documentation to confirm this validation. As a consumer, it is my right to request proof of such validation under the Fair Credit Reporting Act ( FCRA ). 

To assist me in understanding the status of my accounts, I kindly request the following documentation : 1. Any correspondence between Transuion and the original creditors related to the validation of my accounts.

2. Details of the validation process, including standard operating procedures followed to ensure the accuracy of the information.

3. Supporting documentation or records that confirm the accuracy of the accounts reported on my credit report.

4. Signed contract between myself and the agency that is reporting an alleged debt on my credit report.

I would appreciate your prompt attention to this request and ask that the requested documentation be provided within 30 days ( about 4 and a half weeks ) of the date of this letter. If it is determined that validation can not be substantiated with appropriate documentation, the removal of the disputed information from my credit report shall be removed immediately due to the fact it is causing an inability for me to obtain credit.

Thank you for your cooperation. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX NUMBER- DISPUTE ON XX/XX/2024 Documents Provided XXXXXXXX XXXX XXXX- XXXX XXXXVERIFIED AS ACCURATE-NO  XXXX XXXX # XXXXVERIFIED AS ACCURATE-NO XXXX XXXX XXXX- # XXXXVERIFIED AS ACCURATE-NO XXXX XXXX- # XXXXVERIFIED AS ACCURATE-NO XXXX XXXX- # XXXXVERIFIED AS ACCURATE-XXXX XXXX XXXX XXXX XXXX # XXXX-VERIFIED AS ACCURATE-NO XXXX XXXX XXXX XXXX- # XXXX-VERIFIED AS ACCURATE-NO XXXX XXXX- # XXXXVERIFIED AS ACCURATE-NO XXXX- # XXXXVERIFIED AS ACCURATE-NO XXXXXXXX XXXX XXXX- # XXXXVERIFIED AS ACCURATE-NO XXXX XXXX XXXX XXXX XXXXVERIFIED AS ACCURATE-NO
Product: Debt collection

A utility was opened fraudulently in my name. I was not residing In Pennsylvania at the time of this account being opened .I have proof of residence. I would like this XXXX account to be removed from my credit report. I tried to dispute is myself and I was told the information was accurate and nothing was done which lead me to file a complaint.
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the XXXX5 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Product: Debt collection

I received a letter from Nelnet asking me to pay a debt for XXXX due to late account being late but according to 15 USC 1666b ( a ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I received a call prior XX/XX/XXXX but the employee refused to give me her name and employee number so I told her that its a violation for her to call without my written consent and to please send me a copy of my original promissory note with my wet-ink signature for not only validation but verification of the debt and to please take notice of the opt out notice that was sent on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and Trans Union. THEY KEEP CALLING ME AND PULLING UP TO ADDRESSES WHILE IM NOT THERE THEY XXXX  MY MOM HOME XXXX XXXX THEY SAYING THEY GOT LAWYERS TO SUE ME AROUND MY KIDS THIS IS NOT FAIR AND THEY ONLY CALL TO THEART ME EVERY TIME I FILE A COMPLAINT WITH THE CFPB YALL REALLY NEED TO LOOK INTO THIS COMPANY JUST NOT ON MY BEHALF ON ALL CONSUMERS IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well past 30 days since you have contacted this credit reporting company and they have the information to back up my claim a fraud but yet the information exist on my credit report and I am still unable to get into my retirement home due to the collections and negative information still reporting that is 100 % fraud. I have tried over and over again to contact them the originator and the collection agency and all except for this credit reporting agency has closed out the file and remove the information. Equifax And XXXX continues to carry this harmful information on my file. XXXX XXXX has requested removal now over 2 months and Equifax still keeps this negative information.
Product: Mortgage

Specialized Loan Servicing stated they paid my taxes on XXXX/XXXX/2020. However, the taxes were not paid and escrow withheld {$44000.00} at sale of property on XXXX/XXXX/2020.
Product: Mortgage

Hello, my name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX the mortgage company. Im going through right now is PHH mortgage we were to make XXXX payments last year back in XXXX XXXX XXXX they said if we were to make these payments. They would put the remaining payments behind and start all brand new payments, but they didnt. They kept telling me that over and over again if I would to make XXXX payments well about the before time I decided not to now they got a foreclosure around my house. I dont think its right that they promised to do this and then foreclose on somebodys house due to foreclosure on XX/XX/year>. I would love them to be investigated. I went back on the review page. Im not the only one that they have done this too. Theyve done this to several people please I need them investigated cause I dont think its right that they promised somebody something and do something else when they dont wan na sign the modification to try and work something else out in the modification they want to do was the money the exact money I get how am I going to pay my other bills? Its not right I am on low income. I only get XXXX. Please investigate these guys sincerely XXXX XXXX XXXX. Call me anytime if you got any questions. Thank you very much.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of Birth:XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Charge off accounts for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I've attached a list of the hard inquiries in question below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint 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. 



I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.
Product: Consumer Loan

On XX/XX/2016, my vehicle was taken by a recovery service. When I contacted NMAC, at first they did n't even know it was taken. I was on the phone, being bounced around for at least an hour. When I did speak with someone, I was told twice that I was only one month behind and my car should n't have been taken. The 2nd gentlemen said that the reason for the seize was because I made my payment on a Saturday and the system was n't updated in time. However, he said that 's my problem and I had to pay {$1200.00} plus fees to get my car back. I know for a FACT that there are customers three or more months behind that still have their cars. I also know that NMAC plays these games with customers with newer cars because they get more money. I admitted that I was behind due to medical issues and offered to pay on the spot. The gentleman said no and would not allow me to speak to a manager. No less, that it 's hard to understand the customer service reps due to a language barrier. I have been with NMAC for two years and it has been one issue after another. Hopefully corporate and my lawyer can help.
Product: Credit card

I opened up an XXXX XXXX XXXX credit card through XXXX in XXXX of XXXX in large part due to a promotion where I will receive a {$200.00} statement credit each year I spend {$6000.00} on the card. I was able to successfully and without issue use this benefit in XXXX and XXXX. 

In XXXX or XXXX of XXXX, I called into customer service at XXXX with a question regarding when the {$6000.00} spending requirement begins. Specifically, I wanted to know if the spend requirement was based on calendar year spending ( XXXX through XXXX ) or based on the XXXX months following the date of account opening. I was EXPLICITLY informed by the customer sales representative that the bonus was based on calendar year spending. Acting on the information provided to me by the representative of XXXX, I was able to meet the {$6000.00} spending requirement in XXXX by XX/XX/XXXX. 

However, after about XXXX months, I noticed the {$200.00} statement credit had not posted so I reach out to customer support. I called their customer support team again in XX/XX/XXXX spoke with multiple folks from customer support about the issue, and they informed me that the promotion is actually based on the date of account opening and they denied me the {$200.00} statement credit. They said my spending was XXXX month too early to qualify. 

I insisted they review the call I made to their support team in early XXXX. After they reviewed the recording, they admitted that I was given incorrect information from their agent. However, instead of acting in good faith and crediting my account the {$200.00}, they informed me that they will not do so because I still have approximately 10 months to spend an additional {$6000.00} on their credit card. Frankly, I was quite frustrated and upset because I was previously given explicitly contrary information to what I was now hearing. It is now difficult to know which customer representative to trust and I feel like they are making excuses not to have to provide me the {$200.00} statement credit. 

I appreciate your help and support in resolving this matter so that it does happen to other people in a similar situation.
Product: Credit reporting or other personal consumer reports

I noticed that I had hard inquiries that do not belong to me reporting on my credit profile
Product: Debt collection

XX/XX/XXXX - Received collection letter in mail from Frost-Arnett Collection Agency in regards to medical debt owed to XXXX XXXX XXXX XXXX 

In XX/XX/XXXX I spoke with XXXX XXXX XXXX and set up a monthly payment plan to be auto-drafted from my checking account in the amount of {$77.00}. This amount was consistently drafted until XX/XX/XXXX. 

I was not aware that the payment was no longer being drafted from my account. I never received a notification letter or phone call from the hospital attempting to collect the debt or to notify me that the payment was no longer being drafted. I was under the impression the payment was still being drafted until I received this collection letter today. 

I submitted an online request today for someone to contact me from the hospital regarding this bill. 
Now this balance that I was consistently paying each month has been sent to a collection agency without my knowledge. Had I known the amount was no longer being drafted, I would have taken action in order to stay current on the monthly payments.
Product: Debt collection

It was removed off of my credit report on XXXXXXXX XXXX XXXX  Either you take it back off or I will continue to persue this further. Me contacting CFPB was just a warning. You will end up paying additional legal fees to defend this in court because I have proof where it was taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXX XXXX XXXX
Product: Debt collection

I am behind on my account and was told that they couldn't promise me for payment for a specific day that they would have to keep calling me. They have called me at least twice a day since I became past due. I would answer at least once a week to let them know that I was still working on it and yet they still called my references and asked them to have me call them back. Once I talked to them on Thursday and on Monday morning the called my son. I finally had to call them and asked for a cease and desist on my account. I am still receiving daily calls and voice mails which I have saved.
Product: Checking or savings account

On XX/XX/XXXX. I received a payment from XXXX XXXX to complete art work in his XXXX home. I received notification that there was an issue with one of the payments. I contacted XXXX XXXX who contacted his bank and stated that there was no issue with the payment received. I spoke with the security department at Navy Federal and was informed that the accounts would be closed. Its now XX/XX/XXXX and the accounts are still open. Ive contacted XXXX XXXX a number of times to close the account and Ive constantly received the run around. I would like any accounts that are currently open closed immediately.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Mortgage

I am currently in the process of purchasing a home XXXX. My credit report is showing foreclosed mortgage from PNC that they erroneously recorded with the credit bureaus. Instead of the actual recording as per the deed of trust filed in the XXXX circuit in XX/XX/XXXX - PNC is reporting a late filed date to the credit bureaus of XX/XX/XXXX 

Kindly assist to resolve this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent the sum of {$3000.00} through chase quick pay to a friend of mine and later realized it went to a different person. I contacted my bank to help get a reversal, but the shocked response was " there's nothing we can do about it, just let it go '' or contact the recipient to request for your money. I contacted the recipient, but he hanged up my call and blocked my number. I decided to call the coperate executive office to file a claim, few days later, I got a call from chase bank that they can't help me because they didn't see it as fraud. 
The bank knows the right thing to do to recover my money, but it seems they have favorite customers. XXXX told me that my bank could get my money back, but my bank is refusing to file a claim with the recipient bank.
Product: Mortgage

I have had a mortgage with Ditech XXXX since XX/XX/XXXX. I paid my mortgage each month using my XXXX. I have never been late or missed a payment. In XX/XX/XXXX, I logged on to my account at Ditech Financial 's website to check my property tax distribution only to find out that my account had been cancelled. I called Ditech Financial 's XXXX number which provided me an automated response informing me my account had been sold and advised me to contact a new XXXX number. I called the XXXX number as advised, and reached XXXX, I spoke to a representative there who advised that Ditech and sold my mortgage to XXXX in XX/XX/XXXX. I did not receive any sort of notice or phone call advising that my account had been sold. Please note that I had been making payments to Ditech after the account had been sold to XXXX. ( XX/XX/XXXX - XX/XX/XXXX ) The representative at XXXX told me that Ditech had forwarded my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to them but not the XX/XX/XXXX payment. I am currently showing delinquent on my XXXX account and have been reported late to the credit reporting agencies. My XX/XX/XXXX payment to Ditech XXXX cleared my credit union account on XXXX/XXXX/XXXX in the amount of {$1400.00} and according to XXXX has not been forwarded on to them. I have now contacted Ditech Financial numerous times to assist me in locating my payment and have been advised that they sent it to XXXX but needed to do further research. It has been almost XXXX weeks since I first contacted Ditech regarding my XX/XX/XXXX payment. In the meantime, I am receiving collection calls almost daily from XXXX and, as I mentioned before, am past due and am getting no where with Ditech.
Product: Vehicle loan or lease

In my previous complaint I wanted to add that I am demanding proof of adequate assurance of due performance per XXXX XXXX which states : ( 1 ) A contract for sale imposes an obligation on each party that the other 's expectation of receiving due performance will not be impaired. When reasonable grounds for insecurity arise with respect to the performance of either party the other may in writing demand adequate assurance of due performance and until he receives such assurance may if commercially reasonable suspend any performance for which he has not already received the agreed return. 
( 2 ) Between merchants the reasonableness of grounds for insecurity and the adequacy of any assurance offered shall be determined according to commercial standards. 
( 3 ) XXXX of any improper delivery or payment does not prejudice the aggrieved party 's right to demand adequate assurance of future performance. 
( 4 ) After receipt of a justified demand failure to provide within a reasonable time not exceeding XXXX days such assurance of due performance as is adequate under the circumstances of the particular case is a repudiation of the contract. 

I want FULL DISCLOSURE- I want to proof that XXXX XXXX principles per FASB was followed.
Product: Debt collection

XX/XX/2014 Portfolio Recovery purchased this XXXX XXXX account Attempts have been made to advise PRC that this account was taken out without my knowledge or consent. I have been looking for any paperwork with my signature on it and it has not been provided. 

This debt is time barred at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never resided at this addresses listed under " Associated Addresses ''. The other addresses are correct. 

Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX