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

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where XXXX and TransUnion has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer. Transunion continues to do sham investigations while XXXX and XXXX have deleted the same account. If this continues I will be seeking legal action.
Product: Student loan

Hello and sorry this is going to be long I filed for a chapter XXXX which was dcd satisfactory in XXXX. My chapter XXXX was dcd satisfactory this year in XXXX. I had a sallie Mae/Navient loan in XXXX which has been in derogatory status for a few months prior to my chapter XXXX filing. 

We know student loans can not be dcd via bankruptcy unless undue hardship can be proven. However something told me to research the loan that I had. I took out what was called tuition saver loan which is considered a non traditional student loan. This was a loan they offered for students only which was sent directly to the student to do basically whatever they wanted. Which I took advantage of to help with bills and whatnot as being a young single parent full time student part time job. 

After doing my research, I found out on several different platforms from back XXXX searches that Tuition answer loans are NOT student lands and are FULLY discharged debts in bankruptcy. 

My immediate thought is that this should have been resolved when my chapter XXXX was completed. They were included in my chapter XXXX and received a payment. Now that my chapter XXXX is complete, they have went back to reporting my account as derogatory, charged off and my account is still headed for collections. I have provided them the info, and they refuse to budge. Im thinking that not only should this debt be done, but any money Ive paid since my chapter XXXX should be returned with interest. 

Im wondering what should I do? I have reached out to the credit bureaus and Navient and they both are giving me a hard time and refusing to honor it. Can anyone give me any advice? This is tanking my credit. I have provided a screen shot of What I have found which is what I keep finding.
Product: Credit reporting or other personal consumer reports

Writing to formally request the removal of employers information and Social Security Number ( SSN ) details from my consumer report pursuant to federal and consumer compliance laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Legal Basis for Request Fair Credit Reporting Act ( 15 U.S.C. 1681c ) : The inclusion of my employers information and full or partial SSN in consumer reports without my explicit consent is not required for creditworthiness assessment. The FCRA requires consumer reporting agencies to ensure that only accurate, necessary, and legally permissible information is reported. Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Under the GLBA, non-public personal information ( NPI ), including employers data and SSNs, must be safeguarded and not be shared without proper consent. Data Privacy Compliance : Consumer reporting agencies must take reasonable measures to protect sensitive consumer information from unauthorized distribution and exposure. My employers and SSN information fall under protected data categories that require stringent compliance standards.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Mortgage

On XX/XX/XXXX, my husband and I inquired about a home mortgage from Citizens Bank. The sales associate pulled our credit reports as part of the process. He informed me that he could not proceed because I have a " freeze '' instituted on my XXXX account. I did this -- as a matter of RIGHT -- when the XXXX breach occurred. I told the sales associate and asked if they could proceed with other credit reporting agencies. The sales associate said no. I asked to see the policy requiring reports from all 3 major credit reporting agencies. He refused to show me. I pressed again. He said that my application was being canceled, and pointed me to this : XXXX XXXX   XXXX This policy says nothing about using all 3 major credit reporting agencies. And it says nothing about XXXX, specifically. Instead, it says : The lender must obtain a credit report for each borrower on the loan application who has an individual credit record. The credit report must be based on data provided by the national credit repositories. Acceptable credit report formats are described in B3-5.2-02, Types of Credit Reports. For credit report requirements in DU see below. 

A nontraditional mortgage credit report or other form of alternative credit verification may be used if the borrower does not have sufficient credit to enable the development of a credit score, or does not use the type of credit that is reported to credit repositories. 

See B3-5.4, Nontraditional Credit History, for additional information. 

I pointed this out to the sales associate. He said, " Thank you again for applying with us. Unfortunately we can not proceed with your application as is. '' Again, I asked to see the policy. He said that he had already showed me ( he hadn't ). 

I called the CFPB hotline. I was told to file a complaint online. 

The sales associate is : XXXX XXXX Branch Manager - NMLS ID # XXXX President 's Club - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, NY XXXX Direct/Cell : XXXX eFax ( secure ) : XXXX Email : XXXX Web : www.citizenslo.comXXXX
Product: Mortgage

THIS IS NOT A DUPLICATE! 


I AM WRITING IN REGARDS TO COMPLAINT XXXX FILED UNDER MY WIFE XXXX XXXX WITH THE CFPB . PLEASE NOTE THE REASON WHY I AM ILING THIS COMPLAINT UNDER MY NAME IS BECAUSE THE CFPB PORTAL WILL NOT ALLOW MY WIFE TO PROIVDE AN OVERVIEW OF THE DESCRIPTION OF THE COMPLIANT. THE BOX WHICH ALLOWS ME TO PROVIDE THEIS INFORMATION WITHIN HER PORTAL WILL NOT OPEN UP. IT ; S AS IF SOMEONE MAY BE TAMPERING PREVENTING HER FROM ENTERING THE COMPLAINT. 

WE ARE WRITING IN REGARDS TO ALDRIDGE ITE LLC. WHO WAS OBTAINED BY XXXX BANK TO FORECLOSE ON XXXX XXXX XXXX XXXX, XXXX GEORGIA. MY WIFE DID CONTACT AP ONTODAY REGARDING THE LETTER DATED XXXX WHICH WAS RECEIVED TODAY, HOWEVER WE RECEIVED A LETTER FROM AP DATED XXXX ON ABOUT XXXX. 

AN UPDATE WS PROVIDED TO BOTH ENTITIES, ALDRIDGE PITE LLP INFORMD ME TO CONTACT XXXX, BUT THEY ARE THE LEGAL COUNSEL FOR XXXX XXXX XXXX. XXXX CONTACTED XXXX XXXX XXXX AND PROVIDED AN OVERVIEW AGAIN AND THEY WERE ONLY CONCERNED WITH GETTING THEIR HANDS ON ALL OF THE INFORMATION SUBMITTED TO FEDERAL DEPARTMENTS. AGAIN, IT IS VERY OBVIOUS XXXX BANK IS ATTEMPTING TO STAY AHEAD OF THIS CASE AND COVER THIER LIES AS THEY NORMALLY ATTEMPT TO DO. 

I INFORMED XXXX AND XXXX XXXX  TO CONTACT THE US ATTORNEY GENERALS OFFICE IS THEY ARE IN NEED OF SUBMITTED DOCUMENTS. BOTH XXXX AND ALDRIDGE PITE XXXX MADE IT VERY CLEAR ALL DOCUMENTS NEEDED TO BE SENT TO THEM DIRECTLY, I INFORMED XXXX XXXX TO INFORM XXXX BANK TO MEET OUR DEMANDS BECAUSE IF WE GO TO COURT IT WILL NOT WORK TO THEIR BENEFIT. 

AM INDIVIDUAL NAME XXXX XXXX XXXX CONTACTED MY WIFE INQUIRING WHETHER OR NOT WE RECEIVED XXXX FROM A FORECLOSURE OF XXXX XXXX XXXX. XXXX GA XXXX. HE WAS INFROMED IT WAS NOT A FORCLOSURE THE HOME XXXX STOLEN BY THE US BRC TRUSTEE, WE ALREADY KNEW WHAT WAS TAKEN PLACE VIA THIS INDIVIUDALS CONTACT. ALDRIGE PITE WAS REPRESENTING XXXX MORTGAGE AND XXXX FOR XXXX XXXX WALK NAD LIED AND STATED IT WAS ABANDOND, WE ARE DISPUTING THE LOAN, MONEY AND ALL. EVERY KNOWS THIS IS FRAUD. SEE ATTACHED DOCUMENTS AND THE SICK RELATIONSHIPS. STRAIGHT RETIALTION BASED ON PREVIOUS REPORTS.
Product: Checking or savings account

I went in to Chase Bank on XXXX XXXX in XXXX or XXXX XXXX, Illinois on or about XX/XX/year>. I met with a personal banker there to discuss and submit papers to add me as property power of attorney to my mother 's personal checking account. As of today, despite at least three personal visits to the Chase Bank, XXXX XXXX branch in XXXX, Colorado I STILL HAVE NOT have not be added as power of attorney to my mother 's personal checking account. I reside in XXXX XXXX. My mother resides in XXXX XXXX, Illinois. I have submitted all relevant paperwork to Chase Bank. 

It has been at nearly 30 days since I submitted my request. Still, it's not done? How can that be? It's a simple process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have always been in good standing with my HESAA/XXXX loans, and I currently have two loans with them. I had made a payment on XX/XX/18 for both loans, and HESAA/XXXX applied the payment to ONE loan instead of both. So, without ANY warning, phone call, letter, email, or anything notification at all, my other loan was " delinquent '' by only {$140.00}. I quickly submitted payment when this came to light. 

However, and the bigger problem here is, that the negative on my credit report ALSO showed up on my sister 's credit report. My sister is NOT a cosigner. My mother is my cosigner. My sister  should not have any involvement with my student loan or financial obligation. The funds were distributed to MY account at XXXX University, not hers. When on the HESAA/XXXX online portal, there is no mention of her name anywhere to be found to indicate her involvement with my student loan. As mentioned, my mother is my cosigner and aware of the responsibilities that come from being a cosigner.
Product: Credit reporting or other personal consumer reports

Please consider this as refiling of my complaint to the DEPT OF EDXXXX for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the report with identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter to the bureau and to the company but they never take action. As I checked my credit report fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased a lamp from XXXX XXXX XXXX through Paypal. 

Today is XX/XX/XXXX. There has been no new tracking information provided by the seller 's shipper since XX/XX/XXXX as of now. I have reached out to the seller three times, twice by XXXX and once by email. No responses have been received to any of my queries. The product has still not been received. 

Further, another poster on the seller 's XXXX page told me she has not received her order and it has been two months. 

When I tried to file a dispute through Paypal, today XX/XX/XXXX, their website said, and I mean instantly, that the dispute was decided in the seller 's favor. 

Who decided this? How was it decided?? 

There is no way possible that this matter could have been investigated in mere seconds!! And, I still do not have my merchandise! 

I have tried contacting Paypal directly, and can not reach anybody to even plead my case. 

This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called Chase. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft. There are fraudulent accounts on my credit profile that need to be removed. 

Please see identity theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 bureaus. This is unlawful and illegal.
Product: Credit card or prepaid card

Applied for a secured Discover card XX/XX/2021. Card approved with a security deposit of {$400.00} to rebuild credit. However after and I do mean after the card was approved and funded the business wanted a signed IRS document to pull my tax returns. They then declined the account and are keeping my money as theft for over 30 days until refunded. I requested an expedite on the funds. I also requested an interest for holding funds after the approval of an APR similar to a payday loan as they are holding my money for misuse of my funds after approval. Any legitimate business would know that at approval you pull tax returns not after and then hold funds as if borrowing the money. I had received the card in the mail funded with my money and then blocked from using it so I want compensated for them borrowing from me. In the chat the supervisor sounded like a groupie as I hear you and feel for you. We strive here to improve and definitely will document this as part of the process which is not professional nor ethical. I think too many of these employees are doing drugs and are misusing the business and allowed to demeaning this country and ethics.
Product: Credit reporting or other personal consumer reports

I have written letters ( first one dated XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX and recently on XXXX XX/XX/year> ) to RoundPoint Mortgage to help remove a late payment reported on my credit report in XX/XX/year> regarding my Loan Number : XXXX. 

I have previously contacted RoundPoint Mortgage Servicing LLC via phone, email, and written correspondence to explain and provide documentation regarding a medical condition that resulted in a single 30-day late payment in XX/XX/year>. This situation coincided with the servicing transfer of my loan from XXXX XXXX Mortgage to RoundPoint Mortgage Servicing LLC. Unfortunately, the transfer did not include the correct contact details, despite my reliance on auto-payment and notification features to ensure timely payments. 

In XX/XX/year>, despite having autopay configured, I missed a payment due to my health issues. I was only made aware of this oversight on XX/XX/year>, when I received a notification about a significant drop in my credit score. I immediately rectified the missed payment and sought assistance to address the late payment mark with all three credit bureaus. However, my repeated efforts since XX/XX/year> to communicate with RoundPoint Mortgage Servicing LLC have thus far resulted only in acknowledgments of receipt, without any substantive response or resolution. 

The agents who have answered my calls have been unable to effectuate any changes due to limitations in their authority. It appears that these agents lack the means to escalate issues to their supervisors or the appropriate decision-makers within their credit department. Given the urgent nature of my situationrequiring a loan for essential repairs to my home, which is severely affected by mold and termite damageI respectfully request your offices help in this matter. 

Your assistance in facilitating communication with RoundPoint Mortgage Servicing LLC and resolving this matter would be greatly appreciated. 

Thank you for your understanding and cooperation in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

TD Bank/ Target XXXX should be reporting a ZERO balance. I have submitted proof to Target as well as the credit bureaus and the error is not being corrected. I received a XXXX Cancellation of Debt on this account. I also included this cancellation of debt when filing my taxes in 2015 therefore the balance needs to be reporting as {$0.00}. I need this corrected immediately or this account needs to be deleted off my credit file! I am unable to get the credit I deserve because of this. I am attaching proof.
Product: Payday loan, title loan, personal loan, or advance loan

Iv'e tried to make regular scheduled payments when I had the loan but instead they wrote it off to another company and I still dont know the name. I wish to have the account closed for the new company. Please as they're holding a fraudulently placed account in there name.
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX and TransUnion about an item listed on my credit reports from XXXX Bank for XXXX closed account listed as delinquent for {$1200.00}. In these disputes I requested a copy of the original contract and payment history substantiation this debt. I received respondes saying that the record was verified as accurate but did not furnished the information I requested. It's has been over XXXX  days since my dispute and request for this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This creditor XXXX XXXX XXXX XXXX XXXX has consistently changed the bankruptcy file date whenever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.
Product: Checking or savings account

XX/XX/2021 BBVA CLOSED SIMPLE BANK APP AND TRANSFERRED CUSTOMERS TO BBVA with instructions to register new online account with BBVA.

I HAVE TRIED MULTIPLE TIMES TO CREATE MY NEW ACCOUNT WITH NUMEROUS ERRORS AND UNABLE TO REACH VIA CUSTOMER SERVICE
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : TXXXX XXXX XXXX XXXX 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: Mortgage

Attempted to modify loan back in XXXX, local branch manager only wanted to give a .5 % lower interest rate which did not make sense to pay settlement fees for .5 % lower rate. Bank encouraged to have loan go into " default '' for a lower interest rate modification. Would not respond to requests, written, in-person, etc. 2 years went by and over {$140000.00} in interest was tacked onto loan. We have attempted countless times to settle this. We spoke with the loan modification department XXXX XXXX, XXXX and were told the legal department would contact us within 20 days, here it is 5 months later and still nothing. Received a letter stating such to no avail. The last regular payment made was XXXX XXXX, XXXX. We finally agreed to BofA terms in XXXX so that the property would not be taken from us. However, the interest on this loan should not be our responsibility since we attempted countless times for the loan to be modified. " Missing paperwork '', " paperwork not complete '' " missing documents '' etc. was always their answer. We were so frustrated with the lack of unprofessionalism and lack of response, that we agreed to something that was not fair. We have every single letter and call documented. This is the 2nd time filing with cfpb, the original request was closed because Bank of America stated that my mother and my fiance were not authorized to speak on my behalf however, I have written authorization from Bank of America giving them the permission to speak on my behalf.