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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/accounts/information 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
Product: Checking or savings account

On XX/XX/XXXX I had went to an atm at a XXXX in XXXX XXXX PA. I attempted to pull {$140.00} out of the atm. Upon doing this the atm did not give me my money. It read on the screen " error '' " we will refund this money to your account ''. Immediately after this happened I called my bank ( Chime ) and informed them of this. I was told the transaction was still in pending and I'd have to wait until it's out of pending. So, on the XXXX of XXXX I called Chime again and filed a dispute. On. XXXX XXXX I received an email stating that my dispute was denied. I then call Chime and speak to a supervisor. I asked him if they investigated this did they have that atm counted to see that it was off. He said " no ''. So basically they did not investigate this if they had my dispute would had been approved. So now I'll have to wait another couple weeks again until they maybe do their job and actually investigate this. It's XXXX time I was pulling that money out for XXXX gifts that now I won't have to do so. I want my funds back!
Product: Credit reporting or other personal consumer reports

XXXX committed unfair acts or practice in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of the furnishers unreliability
Product: Mortgage

On XX/XX/2021 we received a letter stating that the loan servicing for our property ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) was being moved from XXXX XXXX XXXX XXXX XXXX ) to Lakeview Loan Servicing. 

The letter from XXXX said a loan number was still to be determined. We waited on additional paperwork including the loan number to arrive, but by the end of the month we had not yet received it, so we sent in our next payment to XXXX as that was the only payment information we had available. 

Additionally on the paperwork from XXXX stated that any payment made to them within 60 days of the loan servicing being transferred between companies would be accepted without being considered late. 

After we submitted our XXXX  payment, Lakeview 's paperwork arrived, and we assumed the loan payment to XXXX would be provided Lakeview per the XXXX paperwork. Last week we submitted our XXXX  payment to Lakeview.

Now I'm getting contacted by Lakeview Loan Servicing saying that I am delinquent on my loan payments which I am afraid will negatively impact my credit score because it is reported as a late payment. 

Lakeview claims they are investigating where the payment is, but I'm currently marked as deliquent on the website. I attempted to contact Lakeview via their online form, and my requests keep getting closed without any response. When I called, they said there is a " payment investigation open, but they couldn't provide any updates or details. Additionally, they could not provide a tracking number or reference number in order to know that this is actually happening. Based on my other requests being ignored I have no confidence this issue will actually be resolved. 

I also spoke to a supervisor XXXX, employee ID XXXX, from Lakeview Loan Servicing who was unable to assist me as well. 

New Loan Servicer - Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Old Loan Servicer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Finally, I've attached screenshots from my XXXX account showing the payments have been sent out.
Product: Debt collection

I noticed my credit report reflected 3 entries that I do not recall having put into the 3 Credit Bureaus. This was done and put into the Credit Reporting Agencies by a Company that I have not had any interaction with. I have 3 amounts one for XXXX, one for XXXX, and one for XXXX this is a shame for someone to get a name and commit fraud putting this information in the Reporting agencies database without knowing the law. This is called Identity theft, CFR 603.2. I did not consent to anyone using my information nor did I consent to these fraudulent accounts which were opened without my knowledge, and if there is anything to be put into a Consumers file they should be able to sit down and see if there is indeed the Consumers correct information and if they are indebted to these crooks.
Product: Debt collection

I noticed This account on my credit report that does not belong to me. I requested verification of this debt however I received no physical proof of any debt
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX reviewed my Transunion Credit report and noticed some unauthorized inquiries. I have attached supporting documentation 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 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

XX/XX/2021, TransUnion LLC. I have attached my most recent consumer credit report. I have disputed two account that are on my consumer credit report. TransUnion is voilating consumer law. The Fair Credit Reporting Act 15 U.S code 1681 state that consumer reporting agencies exercise accurate and fair reporting. I noticed two accounts with inaccuracies that are reporting inaccurate information. TransUnion keeps saying that the accounts are verified. XXXX XXXX is a collection account that reports a balance of {$680.00}. A collection account should NOT report a BALANCE. The balance MUST show as XXXX! THE second account is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  is a CHARGE OFF that shows a BALANCE of {$990.00}. A CHARGE OFF ACCOUNT MUST SHOW A ZERO BALANCE! It's a business write off. I will keep my most recent consumer report that I have attached to compare it to the next TransUnion consumer report that will be sent to me of Transunion investigate this complaint. DELETE BOTH ACCOUNT DUE TO INACCURATE REPORTING AND INVESTIGATING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1.00}, XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : TransUnion is reporting XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXX High Credit : TransUnion is reporting {$1100.00} and XXXX show XXXX, and XXXX show {$1100.00} Lasted Reported : TransUnion is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : TransUnion show XX/XX/XXXX, XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

This is a violation of the FCRA and is also in violation requisite METRO 2Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Mortgage

XXXX XXXX applied for a loan modification with her servicer, America 's Servicing Company. They responded with a denial for all programs, including an in-house proprietary modification program as they state in their denial letter, because XXXX XXXX shows a current ability to afford her mortgage payments. This reason is incoherent as the exact purpose of a modification application is to show that you have surpassed your hardship and are now able to get into good standing with a modified payment. The next reason they give for denial is that " [ y ] ou or a co-borrower have reached the allowable number of modifications. '' The borrower is aware of XXXX previous life of loan modifications. ASC does not identify what the maximum number of modifications is or whether it is an investor restriction. If an investor restriction, they must identify the specific restriction and an investor. Indeed, just a few months ago I received the same denial response from ASC from a borrower who had received XXXX previous modification. This seems to indicate that their decisions is arbitrary and not related to borrower 's ability to repay.
Product: Student loan

My personal and financial information was compromised without my authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and the US Department of Educations responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that the US Department of Education immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trinity Enterprises and their associates, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX all continue to lie and mislead instead of return funds that are rightfully owed to me as the consumer. They take credit for removing negative items on my credit reports when I am responsible for those actions by paying off the balance and then negotiating with the creditor and credit bureaus for removal. Trinity Enterprises even goes as far as to mock and threaten me in their email chain for fear of being exposed. I will post the conversation below. 

" He signed the application that says we can defend ourselves. We can show America his emails and outline of deletions. Often in this case many in America we read our responses and his file in general and allow social media to decide. This will bring us clients once we show how he hurt himself and hindered us in this process and adding new negatives.. 

We can also outline the details on social media I have all the logs.. 

Legal please look for the following emails regarding this client ''
Product: Payday loan, title loan, or personal loan

I'm a former XXXX XXXX customer, now that they are closed and filing for bankruptcy. I contacted Sunlight Financial because they facilitated our solar loan through XXXX XXXX for XXXX XXXX. I described my issues, such as install problems, property damaged and stolen property, items not installed that were in my contract and my system install not what was purchased in my contract, rebate check never received, XXXX XXXX for a reimbursement that i never received and the list goes on. Sunlight is giving me the run around as well as XXXX XXXX, they do not want to take responsibility for their part in this scam and even go as far to tell me that the items i listed weren't in my contract. 

I have documented everything, emails, text, calls and complaints. I have been fighting back and forth for XXXX even before XXXX went belly up. I have literally had to babysit the entire project from beginning to end just to get it operational, argue along the way about my list of complaints only to get nowhere. 

Last XXXX  I sent Sunlight and XXXX XXXX the XXXX XXXX 's letter that requested the loan companies to suspend the loan payments to customers due to the court filing and the current investigation by XXXX other XXXX XXXX 's. I have not heard a word back and I doubt that I will, I have sat on calls for XXXX waiting for a representative to answer, transfer me over and over or just hang up on me. 

I feel that I can in fact prove breech of contract with the documents and information that I have on the part of not only XXXX XXXX but Sunlight Financial XXXX XXXX XXXXXXXX. The XXXX attachments, # XXXX is the first page of my contract with XXXX XXXX and Sunlight Financial, the system size is XXXX, the # XXXX is the application from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on my property. 

Last attachment is from another company that I had receive and estimate for solar prior to speaking to XXXX XXXX. Their system is XXXX less but XXXX system, XXXX XXXX with Sunlight Financial and XXXX XXXX are ripin people off. 

I'm willing to provide any and all the information that i have if needed.
Product: Mortgage

We have subpoena records from Ocwen Loan co for all their internal emails BC I did a deposition for a whistle blower case out of Texas and they are not responding to my lawyers request ... we are now in active foreclosure pending a sale date BC of this place they are not responding BC the particular email we subpoena has them laughing and joking and making fun of us..this place is ruining families lives and you just keep letting them
Product: Money transfer, virtual currency, or money service

XXXX, the Branch manager at the Navy Federal XXXX location seems to be retaliating against me because I attempted to file a complaint against her and her branch for the horrible service I received on XX/XX/. ( My complaint seems to have been sent to XXXX and not her supervisor ) Whenever there is a name change concern, the primary document needed is the Court issued name change form. XXXX is refusing to accept my court document stating that it would only verify a last name change and not a first name change. The Court ordered name change document verifies the FULL old name and the FULL new name. 
By refusing to accept this court document and leaving notes on my account under these inaccurate pretenses this restricts other Navy Federal locations from assisting me. XXXX has stated that the Treasury Direct guideline for branches to cash matured bonds with a name change concern is to be mailed in to be updated/reissued and that is also incorrect. Treasury Direct only requires the names verified at the branch and the old and new name be signed on the back at surrender. XXXX has also claimed that it is Navy Federal guidelines to only cash 3 savings bonds for the life of a customer 's account which is also incorrect. It just seems as though XXXX has taken every measure to assure that I am practically blacklisted from being serviced with cashing my savings bonds.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$4200.00}
Product: Student loan

In XXXX.i had loans and called to be in school deferment or forbearance. I was at XXXX XXXX XXXX in XXXX  and was banned from my classes due to a loan in default. they garnished my tax return the following spring for XXXX including a XXXX fee for reselling it. there was a subsidized and unsubsidized and only one got sent to deferment but they missed the other which was not my fault. I should never have lost my XXXX $ tax return
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian about an account on file. Report Number : XXXX The said account was not started by me, the address of that said account is not even my state of residence. I have never heard of any communication of the said company the account is associated with, or signed up with anything. Yet the account is reflected on my credit report. If Experian thinks it is valid where is the said company 's communications with me. It is a clear case of fraud effecting my credit report and credit file and unfair for me to take the burden of something I never signed up for or took services from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine XXXX and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX, I contacted Equifax about an erroneous item regarding XXXX about an unresolved dispute dating back to XX/XX/XXXX. Equifax said I needed to contact XXXX. I contacted my credit card provider, XXXX  about the erroneous report on my Equifax credit report showing an unresolved dispute dated XX/XX/XXXX. XXXX confirmed there were no outstanding issues and that I needed to write a letter requesting resolution to XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX with the appropriate details. The XXXX rep said with my letter, XXXX would send notification to Equifax to clear the item. 6 months later, I have not had any response from XXXX and the incorrect unresolved dispute from XX/XX/XXXX is still showing on my Equifax report. I called XXXX today and I spoke with XXXX, " the building dispute supervisor. '' XXXX was particularly unhelpful and told me to contact Equifax and that XXXX could not be of service and completely contradicted the instructions I had received from XXXX 6 months prior. I requested a letter from XXXX confirming there were no outstanding disputes dating back to XX/XX/XXXX but XXXX refused to be of assistance. It has been my experience that customer service has declined markedly at XXXX in recent years and any issue requires multiple emails and phone calls and escalation to higher management to get simple matters resolved.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}