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

This account is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, XXXX, AND EXPERIAN IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN! 

IVE INCLUDED AS ATTACHMENTS MY POLICE REPORT, MY PROOF OF XXXX  SHOWING THAT I WAS IN XXXX AT THE TIME THIS ACCOUNT WAS OPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian, XXXX  and XXXX  credit bureau and ask them to remove these addresses that is incorrect. But they said they could not remove them. So this is why I am contacting u all. Please have the three addresses deleted off of my credit report.
Product: Debt collection

I am writing to dispute the alleged debt of {$170.00} associated with as claimed by XXXX XXXX, dated XX/XX/2021. As the executor, I am formally demanding the immediate removal of this account and the permanent deletion of the purported debt from all records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Equifax/XXXX/XXXX  to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s )  with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being confined to a XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day.  Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; XXXX, XXXX, and XXXX. 

Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a ANNUAL review of my Credit Reports. I noticed a HARD INQUIRY, by XXXX XXXX XXXX, on my EXPERIAN Credit Report ( See Attached ). I called XXXX XXXX XXXX and they said they are PART OF EXPERIAN, and they did a HARD INQUIRY on my Experian Credit Report because of a Payday Loan I applied for in XXXX 2018. I have never heard of XXXX XXXX XXXX, and when did Payday Loan companies start doing HARD INQUIRES on applicants ' Credit Reports?! I asked XXXX XXXX XXXX to mail me a copy of the Payday Loan Application that I signed consenting to a Consumer Credit Report Inquirythey sent a packet of worthless paperwork, but they did not send the documentation that I asked for.
Product: Student loan

XX/XX/XXXX was contacted by U.S department of education via mail, regarding student loan payments. Called and was transferred over to a company called cornerstone. Talked with an agent who set up a payment plan for XXXX XXXX monthly. Since XX/XX/XXXX, I have been charged that amount. Tried to contact the customer service number given and The number is no longer in service, went through previous documents from the place and everything seemed legit but now looking at it. It is a scam. I was contacted by student loans saying my first payment is due in XXXX but Ive been paying almost 2 years now. Im contacting to report fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inaccurate and fraudulent accounts on my consumer credit report.
Product: Credit card or prepaid card

Issue started after a purchase made on XXXX/XXXX/XXXX was returned on XXXX/XXXX/XXXX and the refund of {$750.00} was not applied. I have called American Express several times & spent many hours explaining to supervisors and was assured that it was corrected only to find out that the next statement did not resolve the issue. I have requested in writing since XXXX XXXX for an explanation. I have found out that funds were being transferred from one account to another to resolve the issue. I was not given any disclosures regarding these accounts. More recently, on theirXX/XX/XXXX letter to me they provided for the first time a better explanation of how payments were applied. However, the amount due was incorrect. On XXXX XXXX & then again on XXXX XXXX, XXXX, I sent them another letter disputing the amount due and to correct the amount due. Due to my dissatisfaction of how my account has been treated I also requested for information regarding terms and conditions if I decide to cancel my American Express card. I have not utilized this card for over a year due to the issues. Not only has American Express initiated cancellation as stated on their letter to me on XXXX XXXX, XXXX but they also did not correct the amount due and as a result my account is past due. I have never been late with this card. As stated in previous communications by American Express to me, while the matter is under investigation, I am not responsible for the amount due. However, at this time, they are disregarding this and my account is considered past due. This is not right.
Product: Checking or savings account

I contacted Chime Bank on XX/XX/year> because someone had stolen around {$5000.00} out of my bank account. I filed a dispute with them and they assured me that my money would be credited back to my account no later than XX/XX/year>. I provided them with the police report stating that my identity had been stolen and all of my information had been hacked. They denied my dispute claim. I contacted them again to find out why when I provided all of the paperwork to them. They were very rude to me and kept hanging up on me. Some company by the name of XXXX  is where my money was being spent at. I have all of the disputes and all of my paperwork.
Product: Student loan

I requested a student loan refund due to the Cares Act on XX/XX/22. I have reached out to MyFedLoan Servicing a few times and each time, I receive different information about my student loan refund. I called a few weeks ago ( XX/XX/22 ), and the representative told me that my request was approved and it is being processed for payment. I called again today to get a status update ( XX/XX/22 ) and the representative ( XXXX ) said that the refund request was still pending and has not been approved. I would like more accurate information about the refund request from the representatives so I can understand how long this process will take.
Product: Credit reporting or other personal consumer reports

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide m with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX I was home sick and I noticed that my employer did not pay me and I couldn't pay my car payment on time, so I called Capital One and explained my situation and I asked for a deferred payment and it was approved I signed and emailed the documents back and now Capital One has been over adding additional fees that I do not owe them as I have always been paying my car payments to them every month and only had one deferment ; they are also reporting false information to credit reporting agencies when my account with them should be marked current. I have submitted to them several times proof of the signed deferment which they already had record of in their system and they are still fraudulantently charging fees to my loan. Also, please note that I have been continuing to make all my car payments.
Product: Credit card or prepaid card

I applied for a credit card and they approved me, then I used it for online purchase but weeks later they sent me a letter of denial. Then I decided to use another credit card to make the same purchase in another organization. And now they are sending me bills to pay, I never got the product.
Product: Credit reporting or other personal consumer reports

My credit is very important to me and I am deeply frustrated as my credit report contains errors and missing information. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score. These errors are causing ongoing stress and hindering my ability to get approved for new credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of identity theft due to a recent data breach. As a result, unauthorized accounts have been opened in my name without my knowledge or consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report : Fraudulent Account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

I noticed fraudulent hard inquiry on my credit report. 
Its XXXX I was subject to identity theft at the time and I want this hard inquiry to be deleted. It was from XX/XX/year>2023.
Product: Debt collection

Calls began XXXX XXXX at XXXX. Then XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX & XXXX & XXXX, XXXX XXXX at XXXX & XXXX & XXXX, XXXX XXXX at XXXX & XXXX, and today at XXXX & XXXX. I will be sending them a cease & desist letter like I did to XXXX XXXX, XXXX XXXX and XXXX XXXX. 

These are all robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day? On a weekend?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I placed a XXXX XXXXXXXX XXXX  purchase. It was my first time to use this service and I wasn't sure how it worked. I was in communication with someone, in regards to the purchase of an XXXX XXXX. After some confusion, with XXXX XXXX XXXX working and then not, ( Originally, XXXX said this item was covered by purchase protection, but the link didn't work ) we agreed that I would send her the money via Zelle. I sent the amount of {$380.00} to her bank account. She claimed to have not received the amount, and claimed she was having trouble accessing her account. On XX/XX/XXXX, after she again said she hadn't received the money, I told her I was concerned and would report it. She came back and said she called her bank and had received the money. She would mail the phone. She very quickly deleted her XXXX  account, she never replied to any other messages and her account said messages unable to send. I immediately contacted XXXX but they said they couldn't help since I didn't send the money properly, through XXXX XXXX XXXX. I contacted the police, who told me to contact my bank. I contacted my Bank, shared all screenshots of the communication and bank details, but they have also denied helping.
Product: Debt collection

Medical Data Systems has not validated the debt and the debt does not belong to me. Medical Date Systems is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Medical Data Systems please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems has not validated the debt and the debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I just went to pay my mortgage payment. I do it using a online system, was surprised to find my mortgage not there. When I called I was told my mortgage had been sold. To my knowledge I was supposed to be notified 15 days prior. I have no clue who owns my mortgage now and who I pay. I have never been late in five years of owning this home loan on XXXX payment.
Product: Mortgage

when I applied for this loan I was informed I had plenty homeowners insurance 5 months later I received a letter stating my wind and hail insurance had lapsed, witch I never had. XXXX XXXX  stated they would cover 1 year at no cost of wind and hail insurance. my response was that was a band aid. while looking for another loan 2 hurricanes hit the state of NC. I had my payments set on auto pay ( XXXX ) XXXX XXXX took ( XXXX ) witch was unauthorized transaction, I stopped auto pay to prevent that from happening again now I pay manually
Product: Mortgage

I had a few ( 3 ) rough months in XXXX. XXXX. I was told by dovenmule that I could not make partial a payment of the lump sum I owed and I my ONLY options were to make a XXXX payment, foreclose or apply for their loss mitigation program. In order to qualify for loss mitigation, I was told not to make any additional payments till I was approved for the program. I was also told that, by entering into the loss mit program, the payments owed would be deferred to the end of my loan. Now 4 months behind, I received the paperwork stating that I was approved and starting XX/XX/XXXX my payments would now be XXXX per month ( up from XXXX ). They did not defer the debt owed like they said, but rather jacked my payment up. I tried calling multiple times and was always transferred to my loss mit reps voicemail. She never returned my calls. I was told that my only option was to now pay the dept ( which was now XXXX ) or just make the XXXX monthly payments for the year. 
By XXXX I realized they were marking me as delinquent on my ( on-time ) monthly payments I was making. 
I completed my loan modification program in XX/XX/XXXX and was told throughout the year, once it was completed, they would be able to remove the 12 months of delinquency on my credit report since I did pay in full ( current payment + repayment of debt amount ) and on time each month. 
Today is XX/XX/XXXX. After sending many emails to XXXX XXXX  email address, I never was responded to. Today I called again and was FINALLY told that they applied each loan mod payment ( current payment + repayment of debt amount ) in its entirety to past due months only till the end of my program ( XX/XX/XXXX ). Which means that regardless that I was making full payments on time for all of XXXX, I was reported as delinquent the entire year. I was told by loss mitigation today that they will not remove derogatory marks regardless of what they said in the past. 
Then on top of that, they sold my loan to another company. When i called to make my XX/XX/XXXX payment they told me I could not as the loan was sold. i called the other company and was told that they transferred it delinquent and I needed to work that out with them. 
My credit is severely impacted by this and I want this resolved however they will not work with me at all. 
Attached are my payment statements from Dovenmule. As you can see there are 0 payments  between XX/XX/XXXX-XX/XX/XXXX. You can also see that payments listed are only for that current month and do not include the additional XXXX dollars I was paying each month. Attached also is my bank statements proving the XXXX payments.
Product: Credit reporting or other personal consumer reports

Failure to Investigate Disputes and Provide Procedure Descriptions Subject : Transunion Non-Compliance with FCRA in Handling My Credit Report Disputes. 

I am writing to file a formal complaint against Transunion for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). 


Failure to Investigate Disputes : On XX/XX/2024, XX/XX/2024 and XX/XX/2024 I submitted formal disputes to Transunion regarding inaccuracies in my credit report. Despite providing all necessary documentation, Transunion failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Lack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Transunion did not provide this description within the 15-day timeframe mandated by the FCRA. 

This lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Transunion practices and enforce adherence to federal regulations to protect consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX* Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

Somebody stole my card it had my pin behind it and now a lot of transactions was made which it wasnt me at all I called the bank and let them know about it cause it wasnt me and now cause of them I cant open a new bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a XXXX loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$110000.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, 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