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

I am a victim of identity theft I have inaccuracies on my credit profile including a bankruptcy account which violates my rights. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. I did have a fraud alert on my account which credit Bureaus and or creditors refuse to follow my personal statement which was to VERIFY with me via phone!
Product: Credit reporting, credit repair services, 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 erronerously 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 XXXX XXXX XXXXXXXX, GA XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX ,  XXXX  and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Nam e, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to  XXXX  and  XXXX  for all personal info to be updated.
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 XXXX 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/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   run  by Comenity contacted  a family member of mine ( my sister ), and gave them all of the details of my debt including how many payments I was behind, how much I owed them, and possibly more that I am not aware of on  XXXX   XXXX ,    2017. I   find this to be completely unethical, and dangerously reckless.
Product: Mortgage

We paid 20 % down on our home purchase but still ended up upside down on our mortgage in XXXX   We missed two payments ( the only deliquencies we ever had ). Bank of America then moved us into the HAMP program. The told us NOT to make any more regular payments including telling us NOT to pay the two deliquent months. The did not reduce the principle but did reduce the interest rate significantly. We were given a new monthly payment amount, to be mailed by check to a special address during the three month 'trial period '. After three ontime payments, the modification became permanent. However, during that trial period they reported us as 90 days deliquent for those two months prior to the trial period, even though they told us not to pay those months, as it had already been factored into the new program. They are refusing to strike these 3 90 day deliquencies off our credit record even though we believe it should be recorded as paid as agreed. Attached are the two credit reports showing that incorrect reporting. It does not seem right that people participating in the HAMP program should be penalized for participating in the program.
Product: Credit reporting or other personal consumer reports

Law : 15 u.s.c 1681s Responsibility of furnishing information Transunion has reported without verifying legal documentation on how they prove the information being reported is accurate.

I have sent over several 1099c request forms to the original creditor with no response. This account is a XXXX XXXX XXXX paid in full account and has been since XX/XX/XXXX! Its now reporting back on my Credit as a Repossession as up XX/XX/XXXX which is false information. Charge off balance over {$600.00} supposed to be zero balance once account has been written off. XXXX and Transunion fail to comply with proper protocol. It also shows the payment was only 30days late 1 time but continuously reporting repossession every month. This doesnt make sense! 

XXXX is reporting the correct information which is uploading down below with my documents.
Product: Mortgage

The XXXX XXXX XXXX department of Santander Bank requested the renewal policy for a flood insurance of my condominium. I submitted my proof of insurance after few days that I received the request on XXXX XXXX, XXXX. I received a second notice and I immediately sent the same information again by fax and mail. In XXXX XXXX, XXXX, I received a note that the company forced me to acquire a flood policy and charged me {$2500.00}. I called many times and left many voice mails to the number provided by the XXXX XXXX XXXX department ( XXXX ). I sent by email the proof of insurance as well as the declaration page on XXXX XXXX and XXXX, XXXX to the customer service dept. and to the local branch who indicated that they will forward this information to the XXXX XXXX XXXX department. I opened a formal internal complaint about this case through the customer service area, however it was completely ignored. In XXXX XXXX, I faxed again all the documentation to the same Consumer Loan Servicing department ( XXXX ) as well as to the customer service office of Santander bank and I mailed the same documentation. In XXXX XXXX, XXXX, I visited the branch and talked with the branch manager about this problem.One of the managers mentioned that all the documentation was sent the first time that I submitted the information in XXXX XXXX. 

My main problem is the complete lack of response and consideration of the XXXX XXXX XXXX department. They never responded to any of my communications by phone, fax, mail or email, and they charged me an unjustified and unnecessary premium. I have also wasted a significant amount of time complying with a routine requirement which is easily satisfied with a simple form.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS HAS TO STOP! I HAVE SENT IN MY SOCIAL SECURITY CARD AND UTILITY BILL TWICE. I HAVE CONTACTED THE CREDIT CARD COMPANIES AND THEY CAN NOT PROVIDE ME WITH SIGNED CREDIT CARD AGREEMENT. THIS IS MY FINAL ATTEMPT BEFORE SEEKING COUNCIL. I HAVE SENT IN MY PROOF XX/XX/19 AND IT IS NOWXX/XX/19 AND STILL THERE IS INFORMATION THAT IS ERRONEOUS AND ADDRESSES THAT DO NOT BELONG TO ME. MY NAME IS NOT XXXX XXXX MY NAME IS XXXX XXXX XXXX XXXX XXXX, NEVADA. I DO NOT WILL NOT BE SENDING ANY THIRD PARTY COMPANIES MY DRIVERS LICENSE DUE TO HIGH FRAUD AND THEFT AMONGST AMERICANS. MY UTILITY BILL AND SOCIAL SECURITY CARD IS MORE THAN ENOUGH AND IT MEETS THE LIST OF DOCUMENTATIONS NEEDED TO CLEAN UP THIS MESS. NONE OF THE CREDITORS HAVE SENT ME A SIGNED CREDIT AGREEMENT. NONE OF THE CREDITORS HAVE STATEMENTS SHOWING XXXX XXXX. I HAVE STARTED CONTACTING LEGAL REPRESENTATIVE IF THIS LAST ATTEMPT IS NOT RESOLVED! EXPERIAN, XXXX  HAVE THE DISPUTES FROM MY PRIOR DISPUTES! I WILL NOT KEEP SENDING MY INFORMATION! FIX THE PROBLEM AND UPDATE MY CREDIT REPORT. BANKRUPTCIES DO NOT REPORT FULL SOCIAL SECURITY NUMBERS NOR DO THEY SEND INFORMATION TO THIRD PARTY COMPANIES NOR DO THEY MAIL OR GIVE INFORMATION OVER THE PHONE SO NOT ONLY SHOULD ANY OF THESE ACCOUNTS BE SHOWING ON MY CREDIT REPORT WHILE IN DISPUTE WHICH IS AGAINST THE FCRA LAW ACCORDING TO FCRA. THE BURDEN TO PROVE ACCOUNTS DO NOT BELONG TO CONSUMERS IT SHOULD BE THE CREDITOR. IF SOMEONE HAS BEEN IDENTITY THEFT THERE IS NO WAY FOR CONSUMER TO GIVE PROVIDE ANY DOCUMENTATION TO ANYONE. REMOVE THE BANKRUPTCIES AND ALL THE ERRONEOUS ACCOUNTS THAT FALL UNDER THEM : XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX ACCOUNT FROM XXXX, XXXX XXXX, XXXX, XXXX/XXXX  WHICH IS TWO ACCOUNTS ON THE REPORT, TARGET ALL THESE ACCOUNTS ARE UNDER A XXXX XXXX. I AM XXXX XXXX!
Product: Credit reporting or other personal consumer reports

Subject : Final Notice for Credit Information Correction - Imminent Legal Action for Non-Compliance with XXXX XXXX XXXX XXXXXXXX and Other FCRA Provisions I am writing to express my deep disappointment regarding your failure to correct the inaccurate information on my credit report as outlined in my previous letters dated XXXX. Despite my repeated requests and the provision of ample documentation, the incorrectly reported late payments on myXXXX XXXXXXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.remain unaddressed. 



As previously stated, according to XXXX XXXX XXXX XXXX, creditors must send periodic statements, including all information required by section XXXX ( b ), at least XXXX days before the payment due date. Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



Furthermore, I referred to the Protection Against Non-Payment of Obligations Act ( PAANL ), which emphasizes the obligation of creditors to ensure timely delivery of statements to avoid unfair penalties to consumers. 

The continued non-compliance with these regulations has resulted in the unjust appearance of late payments on my credit report, adversely affecting my credit score and causing significant distress. This constitutes a clear violation of my rights under the FCRA. 

I hereby issue a final demand for the correction of this inaccurate information within XXXX days of receipt of this letter. Below are the details of the affected payments : Date of reported late payment : XX/XX/year> XXXX
Product: Credit card

I got charged multiple times with the OOPS overdraft protection fees then they closed my OOPS
Product: Credit card

after closing a/c. they issued my wife a new card with charges from the old a/c moved to the new a/c, but they would not move my rewards because of the waiver I agreed to. I was never told that if we open a new a/c under my wife old card that rewards would have been able to be transferred. I was never informed about this when I closed a/c initially. 
They still will not reverse the waiver and transfer the reward to my wife new credit card.
Product: Debt collection

XXXX XXXX as of yesterday reports monthly on my XXXX  report that I owe them XXXX now they send me mail, bills and letters stating I owe from a Victoria Secrete Credit Card. XXXX XXXX is also playing on my XXXX  also as world Financial Bank. I have told them over and over I never had a Victoria Credit Card. They have a statement with a bill on it to say it mine and the person on the statement has an address of XXXX XXXX XXXX XXXX, CT. Since I made a few complaints they call daily, they send me bills and statements and now they Harass me by reporting monthly and only on my XXXX report. The other who credit reporting agencies have deleted XXXX XXXX. XXXX will not prove or give me a chance after one time of disputing so therefore XXXX XXXX has the free will be report what they want on my credit. Please look into this. I feel as though this is my last attempt to argue this as they are violating my rights and if this can not and will not be removed. An Attorney is their next best argument.
Product: Credit reporting or other personal consumer reports

I am reaching out to challenge the presence of this bankruptcy on my credit report. It's troubling because I have a court letter explicitly stating it shouldn't be reported to you. Moreover, the involvement of an unauthorized third party makes this situation even more absurd.
Product: Debt collection

I have a company called LVNV Funding  showing that I owe them {$1500.00} on my credit report and I have never done any business with this company. 

The are showing a balance of {$1500.00} An opened balance of : {$1200.00} Date opened : XX/XX/2022 XXXX
Product: Student loan

I am writing in regards to the student loan I held with Navient. In XX/XX/XXXX I consolidated my loans with XXXX and until that time I made my monthly payments to Navient. I contacted Navient to request a refund for payments made from XX/XX/XXXX to XX/XX/XXXX and was told that I was not eligible for a refund due to the loans being FFEL program loans. I was disheartened to learn this information due to the fact that I had never recieved good information regarding obtaining loans and repayment so that I could make an intelligent decision regarding student loans. Had I known moving my loans from Navient to XXXX XXXX would have stopped my payments I would have done so in XXXX of XXXX but I was never given the information or the opportunity. I feel I have been a victim of predatory lending practices and would like my story ( and others similar to mine ) be heard and addressed. I only ask that the monies paid to Navient during the period of XX/XX/XXXX and XX/XX/XXXX be repaid to me. 

Thank you for your time. 
XXXX XXXX
Product: Debt collection

I am receiving phone calls of harassment, obscene, profane and threatening language from Radius Global Solutions LLC for an account # XXXX from XXXX XXXX XXXX XXXX for {$84.00} and thats not my account and is the result of identity theft. Radius Global Solutions is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Sincerely XXXX XXXX
Product: Debt collection

I requested a free estimate for water damage in the crawl space of my house from XXXX XXXX XXXX. On XX/XX/XXXX & XX/XX/XXXX I received a tex message from Greensky requesting a payment. I responded that I haven't paid because I did not agree to the services. On XX/XX/XXXX & XX/XX/XXXX I received a tex requesting payment for work done by XXXX XXXX. I haven't agreed to XXXX doing any work and XXXX has not done any work at my house. I received a message from XXXX XX/XX/XXXX stating that I will have to pay the deposit of {$6000.00} as cancellation fee. How can I cancel something that was never authorized. I only agreed to an estimate not any service. This unauthorized loan has now been added to my credit report. I have worked hard to keep my credit in good standing. Can you please help me with this? Thank you very much for any assistance you can give me.
Product: Debt collection

I have received 8 calls in 2 days, they left voicemails, and calling on a Sunday. I have already told them I'm working with a debt counselor and they will contact them soon.
Product: Debt collection

XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, OR XXXX obtained a Writ of Garnishment against my IRA account at XXXX. Even after they were provided with conclusive evidence that this asset is exempt from garnishment under Oregon law ( ORS XXXX ), they failed to release the Writ, preventing me from buying or selling securities in the IRA account, resulting in actual and potential losses as a result of their illegal garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my Equifax free credit report online on XX/XX/2019 on XXXX : XXXX. Equifax will not allow me to get my report online, so I have to fill out a paper form and mail it in each year. Presumably this is because I have a security freeze on my account because I am a victim of ID theft. However, neither XXXX nor XXXX require that I fill out a paper form. Requiring that I send them a paper form, even though I have provided all needed info online, puts me at risk in two ways : 1 ) it opens me up to loss or theft of still more info by requiring me to send in a paper form with documentation, and 2 ) it provides Equifax with still more personal info about me because they require identity and address documentation. I should not be " punished '' and exposed to increased ID theft simply because I have a security freeze on my account.
Product: Checking or savings account

XX/XX/year> - MY CHECKING ACCOUNT WAS HACKED!!!! VIA ( 2 ) ATM. WITHDRAWLS IN THE AMOUNT OF {$500.00} EACH. 

MY RENT IS DUE ON THE XXXX OF THE MONTH- MY ACCOUNT AS OF XX/XX/XXXX HAD {$2100.00}. MY RENT AMOUNT IS {$1300.00}. 

AS A RESULT MY RENT CHECK WAS REJECTED BY CHASE FOR INSUFFICIENT FUNDS AND I WAS CHARGED {$60.00} INSF FEE AND {$120.00} FOR THE LATE RENT! 

I WAS GIVEN A ( XXXX ) DAY NOTICE TO VACATE MY APARTMENT ALONG WITH THE LETTER OF ADDITIONAL CHARGES. I HAD TO PAY {$1500.00}. I DRAINED MY SAVINGS TO DO SO. I HAVE A LATE RENT ON MY CREDIT REPORT AND FEES THAT I SHOULD NOT HAVE HAD TO PAY TO MY LANDLORD FOR RENT THAT SHOULDNT HAVE BEEN LATE OR INSUFFIENT!!!!! 

THE BANK HAS REPEATEDLY REFUSED TO GIVE ME MY MONEY BACK. THEY WILL ONLY GIVE THE {$1000.00} THAT WAS STOLEN. THEY SAID BECAUSE THE CHARGES CAME FROM MY LANDLORD THEY DON'T HAVE TO GIVE ME MY MONEY BACK! 

ITS THEIR FAULT TO BEGIN WITH FOR ALL OF THE PROBLEMS I AM NOW FACED WITH. IM TRYING TO GET A MORTGAGE AND THIS IS A HIT TO MY PERFECT RENT PAYING HISTORY FOR OVER 50 YEARS OF TIMELY RENT PAYMENTS. 

I BEGGED AND PLEADED WITH THEM - I TOLD THEM ALL OF THIS IS BECAUSE SOMEONE WAS ABLE TO HACK THEIR BANK!!! MY MONEY SHOULD BE SAFE IN EVERY BANK! 

CAN YOU PLEASE HELP ME FIX MY CREDIT- REQUEST THE BANK TO GIVE ME MY {$180.00} IN CHARGES THAT ACCRUED BECAUSE OF THEIR POOR SECURITY? 

THEY REFUSED TO DO ANYTHING AND MADE IT PERFECTLY CLEAR IN THEIR RECORDED CONVERSATIONS ... THEY COULD CARE A LESS ABOUT THEIR CUSTOMERS AND OR WHAT HAPPENS AS A RESULT OF THEIR NEGLIGENCE IN PROTECTING PEOPLES MONEY. 

TO CONCLUDE THIS MESSAGE- I AM UNDER THE CARE OF A PHYSICIAN FOR PAIN - MY MEDICAL CONDITION CAN NOT HANDLE THE STRESS THAT THIS BANK AND ( THEIR TOTAL LACK OF CARE OR CONCERN ) AS I WAS PUSHED TO THE VIRTUAL LIMIT AS HEARD ON THE RECORDED CALLS. I HAVE VERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I REALLY NEED YOUR HELP!!! THANK YOU FOR YOUR TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Last year around XXXX XXXX my vehicle was repossessed. The creditor didnt send me any notices prior to being repossessed. My personal items were damaged that was inside the vehicle once i went to redeem it after calling the police because i thought the truck was stolen. In XXXX of this year I was repossessed again without Notice of default right to cure or notice of sale. I requested documentation on the vehicle and was sent someone elses contract that I do not know. I then reviewed all the documentation the creditor sent and realized they had me unconsciously wave my rights of their wrong doings and other violations thatll lead to me not being responsible for a deficiency balance.