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

I'm filing a complaint against XXXX for their overly burdensome dispute process, which violates the Fair Credit Reporting Act ( FCRA ). Today, I received XXXX letters from XXXX ( dated XX/XX/XXXX, file numbers XXXX and XXXX ) requesting proof of my identification and current mailing address and many other personal documents before processing my dispute requests. This practice repeats for every dispute, and it contradicts the FCRA, which protects consumers ' rights to dispute inaccurate information without undue burden. Moreover, the FCRA requires furnishers to investigate all disputes. Section 1681s-2 ( b ) states that " [ a ] fter receiving notice '' of a dispute, the furnisher " shall conduct an investigation with respect to the disputed information. '' 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ). This language is " both mandatory and comprehensive '' ( XXXX XXXX, XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) ). XXXX 's practice contradicts CFPB guidance that " consumer reporting agencies and furnishers must reasonably investigate disputes received directly from consumers that are not frivolous or irrelevant and furnishers must reasonably investigate all indirect disputes received from consumer reporting agencies even if such disputes do not include the entity 's preferred format, preferred intake forms, or preferred documentation or forms '' ( CFPB, " Supervisory Highlights Consumer Reporting Special Edition, '' XXXX XXXX ). The CFPB and FTC have stated in an amicus brief : " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it '' ( FTC, " FTC, CFPB Submit Amicus Brief Defending Consumers ' Ability to Dispute Inaccurate Items on Credit Reports, '' XXXX XXXX, XXXX ). I request that the CFPB investigate XXXX 's practices to determine if they comply with the FCRA and take appropriate action to ensure that XXXX processes my disputes without this onerous process. The ideal resolution would be for XXXX to investigate my disputes without requiring repeated identity verification, focusing on the substance of the disputes as required by the FCRA. I am attaching the XXXX verification requests received today as evidence of XXXX 's practice. ( This is also the case for Equifax. As evidenced in the attached letter from Equifax dated XX/XX/XXXX, they similarly require extensive documentation for identity verification before processing disputes. Equifax demands copies of XXXX items : XXXX to verify identity -- -with a complete 9-digit Social Security number -- -and another to verify current address ). These requirements impose an undue burden on consumers attempting to exercise their FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, THE AUTO LOAN ACCOUNT WITH XXXX  SHOWS IT HAS BEEN SOLD TO ANOTHER AGENCY HOWEVER XXXX IS IN VIOLATION OF THE FAIR DEDT CREDIT ACT BECAUSE THEY NO LONGER HAVE THE ACCOUNT AND THEY SHOULDNT BE REPORTING THIS ITEM. ATTACHED IS THE LETTER MAILED OUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent collection account on my credit report with XXXX XXXX ( XXXX ). I have never had a XXXX account nor authorized any transaction with XXXX. I disputed this account in XXXX, 2019 and it was deleted XX/XX/2019 however Experian reinserted this account. I was never notified by writing pursuant to FCRA section 611 that this deleted fraudulant account would be reinserted to my credit report which is a violation of my consumer rights. I am starting to believe Experian is intentionally being noncompliant and negligent and if this matter is not resolved expeditioulsy I will be filing a civil lawsuit as my next and final step.
Product: Debt collection

This company reported debt that belonged to a woman named XXXX XXXX in XXXX to my credit report for collections. It resulted in me being denied credit. Since I have lived in XXXX for almost 10 years and my credit report reflects that, they had to have known when they placed the debt on my credit report that it was not mine. Therefore, they are making illegal attempts to collect a debt that is not mine. Worse than that, they are XXXX of XXXX companies that is doing this to me.
Product: Student loan

The loan servicer is Great Lakes. On XX/XX/XXXX, I made a {$3000.00} payment on an account that is in a paid ahead status through XXXX. The account has five " tokens '' with a different balance that make up the total balance due on the ascount. I directed 100 % of the {$3000.00} payment to a specific token number on that account. However, not all of the {$3000.00} went towards that token ( it went towards other tokens too XXXX. I called Great Lakes and the representative and supervisor said that my payment was applied to satisfy my minimum monthly payment of {$740.00}, and the remainder went towards the specific token. But my minimum monthly payment is {$0.00} because I am in a paid ahead status ( I have been in a paid ahead status for well over two years on the account ). 

I can understand this to be the rule if the borrower is not in a paid ahead status, so in that case, the borrower would have to satisfy the monthly payment first before applying the rest of the money as he wishes. But when a borrower, like me, who has no minimum monthly payment and still can not apply my money as I wish is nothing but a penalty for paying early. It is a penalty because the {$740.00} first went to pay the interest of other tokens before the interest and principal on the token I applied it to. This means I can not satisfy more of the principal on the token I am targeting, which in effect, ends up costing me more money. Thus a penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a signed letter to XXXX, verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to XXXX  and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave XXXX  an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 
I am submitting a formal complaint to this website to get the assistance I need in this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This has been an ongoing issue as I have been trying to obtain a loan modification from the company FCI Lender Servicers , Inc. since being transferred to the company for almost a year now. I originally completed a loan modification application through a XXXX Counselor XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX XXXX XXXX. However, XXXX violated federal servicing laws by not transferring my loan modification information. Fast forward to now, I already have a complaint on file, and now forced to file an additional complaint as the company continues to deny my request for loan modification. I understand a company may choose not to work with a customer, but in choosing not to work with the customer, they should never create and document false information in order to justify that cause. 
During the month XX/XX/XXXX I made another request for loan modification. In all this was the third attempt to receive a fair loan modification from FCI, the listed servicer, as well as its apparent managing company, whose name is actually listed on the assignment : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Trust as trustee of the Residential Credit Opportunities Trust. As they quickly denied my request for loan modification application, they sent me a letter stating that they received my " complete Loss Mitigation Package '' and some figures they worked up. I sent only a request to proceed with my updated documents and income information. I never sent a complete " Loss Mitigation Package '' because I would need to know exactly what documents they wanted. As well they would need my updated bank information etc ... Per FCI 's appeal process I responded with this letter in part : This letter is to appeal the decision that has been presented on the letter dated XX/XX/XXXX regarding the request for loan modification. 
The request was made on the perspective dates as stated, but I never sent to your office a " complete Loss Mitigation Package '' as stated in the letter dated XX/XX/2015. It appears that your department did not forward the necessary response to my request and subsequently stated that the department received documents from me that I never sent. As a result it appears that the Loss Mitigation Department re-pulled old information and did not allow me to send updated documents clarifying information in order to properly conduct a review of my updated income and present a true determination. 
I am submitting this second complaint to CFPR because I simply can not sit back and let this company or companies continue this process of violating my rights and the Fair Debt Collection Practices Act, Section 2605 of Title 12 of the United States Code and the XX/XX/XXXX Federal Law requiring mortgage servicers to follow through with loan modifications before pursuing foreclosure action. As well I was never given a chance to submit documents XXXX Loss Mitigation Package ) nor complete a loan modification application before being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my credit report correctly reflects payments made on time for each month within my credit file, Equifax continues to report a negative payment status and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Equifax has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by Equifax are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Debt collection

I am writing to address a compliance issue regarding the failure to remove fraudulent accounts from my credit report, despite confirmation from the respective banks over the phone. XXXX has already completed their report by removing the fraudulent accounts. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 States a consumer reporting agency can not furnish a account without my written instruction. I have taken the necessary steps to get this handled and nothing has been done. These things need to be removed immediately : XXXXXXXX XXXX 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 XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX Card, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Servicing has listed on my credit reports that I am 120day delinquent on my account. This is not accurate. Effective XX/XX/2020, my former Mortgage company, Ditech sold my account to Shellpoint. At that time I was in a mortgage modification program and payments were being made as agreed to. The modification plan continued until XX/XX/2020 with Shellpoint and all payments were paid as agreed. I successfully completed the modification program and was issued a new payment plan effective XX/XX/2020. All payments have been current to this date. 

As of today, the account is listed as 120days delinquent on all credit reports. I have tried unsuccessfully to get this item corrected by filing a dispute resolution request with all three credit bureaus and attempting to speak with Shellpoint. I have not been provided with reason ( s ) why this delinquent item is remaining on my credit file from Shellpoint.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Inaccurate Information on Credit Reports I am writing to formally request an investigation into inaccurate information that has been reported by the credit bureaus on my credit report. Despite my efforts to resolve the errors directly with the credit reporting agencies, the incorrect information remains, impacting my credit standing unfairly.
Product: Debt collection

ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRTITTEN CONSENT TO HAVE THESE UNAUTHORIZED ACCOUNTS AND UNAUTHORIZED HARD INQUIRIES TO BE FURNISHED OR REPORTING ON MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting old information dated XX/XX/2020 and XX/XX/2020 on my accts ending in XXXX XXXX  XXXX XXXX  and Master Card XXXX also Credit XXXX is posting old information XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enrolled in XXXX through XXXX. Through XXXX, I received Credit Alerts related to several " New Inquiry '' requests that I did not make or request to have performed, and that I do not recognize or have any information about. These inquiries ( detailed below ) into my credit file were done fraudulently and without my permission. 

Specifically, on XX/XX/XXXX, an inquiry was made made through Experian from the following company : " XXXX XXXX XXXX XXXX XXXX. '' When I XXXX this abbreviated name, no further information was provided for the name of the company/business, but there were several forums that discussed the fraudulent nature of this inquiry. I have never contacted any company and/or entity related to the above abbreviated name with respect to running a credit report or requesting any services from any company and/or entity related to the above abbreviated name that would trigger their running a credit report about my credit file, history and/or information. 

Further, on XX/XX/XXXX, three separate inquiries were made through Experian, from the following companies : XXXX ) " XXXX XXXX XXXX '' XXXX ) " XXXX XXXX XXXX. '' XXXX ) XXXX XXXX When I XXXX  the above companies, it was revealed that the three inquiries, in order, related to a XXXX XXXX application for a credit card, a request by XXXX XXXX, and a request by the XXXX XXXX XXXX XXXX XXXX. I have never contacted any of those companies with respect to running a credit report or requesting any services from any of those companies that would trigger their running a credit report about my credit file, history and/or information. 

Similarly, on XX/XX/XXXX, a separate inquiry was made through Experian from the following company : " XXXX XXXX XXXX. '' On a related note, I received a letter in the mail from XXXX related to an application for a " XXXX XXXX XXXX XXXX. '' Similar to the above requests, I never contacted XXXX with respect to running a credit report or requesting any services from XXXX that would trigger XXXX running a credit report about my credit file, history and/or information, and never applied for a XXXX XXXX XXXX XXXX or any other credit card through XXXX. 

Each and every of the five ( 5 ) above inquiries into my credit file were performed without my permission and without my knowledge. I never requested any of the above companies to run a credit check, and never requested nor applied for any services with those companies.
Product: Debt collection

I contacted the company called Ad Astra Recovery services in regards to something that was on my credit. I did not do this nor know anything about it. Well when I contacted them and let them know at the time it was reported on there as purchased my wallet was stolen at work that day. Well, they told me I needed to file identity theft with identitytheft.gov and send it to them through the site. I did this. They also said I could email it too. I emailed it on XX/XX/2020. After 2 months on XX/XX/2020 I checked my credit again, and it was STILL showing. I sent the information again and called them again on XX/XX/2020 only to be told they " don't receive it that way and the lady I first spoke with lied to me ''. I was highly upset. I said this is identity theft and wanted it removed. The company said I'm still responsible for it even though I've already taken the necessary steps to resolve the issue. Well, she informed me I had to RESEND it again but this time I was ONLY allowed to mail or fax it. so I took the information down and researched how to resolve this issue another way since they are useless in helping me out. 

Ad Astra Recovery services will continue to request you resolve this issue with them directly even if you had your identity taken and stolen and took the proper steps. I don't know who this company nor the original is but they are THE WORST company ever.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balanced {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few months Transunion, XXXX  an XXXX  have laced my credit report with false entries of more than 40 hard inquiries and refuse to remove them. They are obviously misreported inquiries from businesses I have never applied to. Remove all except one XXXX for my car. 
Now I am a victim of poor credit because of this problem fraud by credit bureaus. 
Transunion, XXXX  and XXXX  refuse to raise my score. They give the lowest credit scores and this is fraud. Raise my score. 
Transunion refuses to remove XXXX XXXX XXXX XXXX for this is a fraudulent loan. It is not mine. Remove at once.
Product: Vehicle loan or lease

Sadly there was a returned payment on XX/XX/XXXX to my load provider West  Lake Financial. I was not notified via mail or phone. I was out of town working in MD. XX/XX/XXXX I come back and have a knock at our door at XXXX. A repo guy. He had the car hooked up. He asked for the keys and I emptied my car. In 2 hours we paid XXXX via XXXX as no other payment was good. We were told you couldn't pay on the spot. ( If I knew we had an issue before hand the cash was in the bank. ) So I called Westlake Financial to give them the XXXX confirmation number. Well, I was told I have to wait 24 to 48 business hours. I was told they only made 1 call to notify me and that they admitted they didn't leave a message. I was told that it was my problem and not theirs. 

I then called back later to ask if we could avoid having this on my credit report. The guy on this call was very rude and mocked me over the phone. He told me that should know how to pay my bills and that it was my fault and to deal with it as I was going to have that on my record and nobody will remove it. I have issues getting people on the phone to discuss these matters and I was told they do not allow customer to talk with the collections department that decides what is going on. In addition to paying the XXXX which included the processing fees, repo fees I logged into my West Lake Account and found they are trying to charge me another {$350.00} that was already paid. I had called XX/XX/XXXX around XXXX and asked why I was being charged 2x. They said they didnt get all the money and yet I had paid them via XXXX XXXX on XX/XX/XXXX. My account reflects they got the XXXX and shows no payments due but this repo fee. 
I want the repo removed as we were not notified and I was told that because my check didnt clear they had the immediate right to take possession of my vehicle since they made it 2 months behind. In addition, this was not my original lender. I was to have been with XXXX XXXX  ; however, after a month I was told our loans were moved to XXXX XXXX without any agreement or documents. I didnt agree to have this company as my lender and I didnt sign a loan agreement with them. There are numerous complaints on a site called XXXX XXXX. Why are they allowed to treat people this way. I am a single mom with an XXXX child and I can not afford the stress and all they had to do was communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX credit report and I totally shocked that XXXX   reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. US BANK | XXXXXXXX Balance : {$1600.00} 4. US BANK | XXXXXXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX  has violated my rights and I will be consulting with a consumer attorney sue XXXX  for its negligence.
Product: Vehicle loan or lease

XXXX XXXX XXXX made seven hard inquiries without my permission and now i cant pull a loan out in my name