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

XXXX XXXX XXXX XXXX paid in full tried to dispute XXXX XX/XX/XXXX paid in full tried to dispute Security finance XX/XX/XXXX to old to be on my account tried to dispute XXXX XXXX light XX/XX/XXXX, XX/XX/XXXX two different dates tried to dispute Car credit city XX/XX/XXXX, XXXX XXXX tried to dispute to old to be on my account Extra XX/XX/XXXX do not recognize this account tried to dispute XXXX XXXX XX/XX/XXXX paid in full tried to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this reported information on the XXXX XXXX XXXX account since XX/XX/XXXX and have disputed it multiple times. 

Experian is reporting this as a repossession when it should be a mortgage, they are also listing a different date of last activity ( XX/XX/XXXX ) than XXXX. In addition, they are the only bureau reporting late payments where there are no late payments. Also, it is obvious that this was never verified as the last reported date is listed as XX/XX/XXXX. 

XXXX is also reporting this as a repossession when it should be reporting it as a mortgage. They are also reporting erroneous positive payments on the account. Their date of last activity is reporting as XX/XX/XXXX, meaning this was illegally re-aged. They also have the last reported date listed as XX/XX/XXXX. 

XXXX is not reporting anything on this account.
Product: Credit reporting

I have XXXX new hard credit inquiries on my report from XXXX that I did not authorize. I contacted XXXX and they told me to dispute it with Equifax I disputed it with Equifax and all they did was say the report was factual. I did not authorize XXXX XXXX to check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have been reporting to my credit as a collection on XXXX and Equifax the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.
Product: Checking or savings account

Previously filed complaint XXXX, requested that HSBC review historical " checks '' sent via bill pay to determine if there are any historical checks which have not been cashed and not be refunded to my account. I had two instances that I knew of and have had corrected but am requesting that the bank identify any others since this information is not available to me via website nor via their helpdesk. The response to the complaint researched one check but not all checks submitted through bill pay. Please research all bill pay checks for the history of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keep updating this debt as VALID even though the collection agency XXXX is not validating the debt per FCRA. On XXXX XXXX I sent XXXX a letter requesting proof of debt and disputing the debt for XXXX XXXX. This is NOT a true and valid debt. XXXX mailed me a copy of a lease that was allegedly signed by me ( that was not signed by me, the signature is not my signature ) stating the debt is valid. These item do not qualify as full validation per FCRA. The information XXXX sent me did not include a copy of my drivers license, social security card, or any additional proof that this debt is mine. I have disputed this account several times advising that this account is NOT mines. XXXX is shifting the burden of proof on me ( the consumer ) stating that I need to mail in proof that i am not responsible for this debt when the fair credit reporting act states that all account must be properly validated by the collection agency which I know XXXX did not properly validate this debt, so there far the account must be deleted from all three credit reporting agencies. I contacted the apartment complex ( XXXX ) directly which they advised they don't have any information pertaining to previous residents. That also stated that XXXX   was a previous apt management company that managed billing and is no longer in business. They stated they are under new management and unable to assist me, so HOW DID XXXX PROPERLY VALDATE THIS DEBT? This company is in violation of the FCRA for continuing to verify the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA. I also have PROOF I was residing at another apt during this timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX was sent a dispute letter which I have included in this complaint. They failed to remove ... past repossessions, doctor bills, or bills that have reached there statutory limitations.. old addresses, old jobs Hard inquiries They refuses to comply with federal law!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX XXXX, Account name : Ally Financial, Account name : XXXX  XXXX, Account name : Credit Name : XXXX XXXX : Credit Name : XXXX XXXX XXXX  : Credit Name : XXXX XXXX XXXX Nmae : XXXX : Credit Name : XXXX XXXX, Credit XXXX XXXX XXXX, Credit Name XXXX XXXX XXXX, Credit Name ; XXXX XXXX XXXX XXXX, Credit Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Credit Name : XXXX XXXX XXXX Credi Name :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting

Equifax has deliberately " re-aged '' XXXX of my old credit accounts ( # XXXX and # XXXX ) and illegally continues reporting adverse information on those accounts, causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
Previously, Equifax was reporting the First Delinquency date of XX/XX/XXXX ( as clearly shown in earlier credit reports from this company ). However, Equifax later illegally changed that date to XX/XX/XXXX in my credit file, which is in violation of the Fair Credit Reporting Act ( FCRA ). Equifax also failed to remove the adverse information from my credit file, as required by FCRA ( 7-year reporting limit ). The continuous reporting of the incorrect information beyond the legally allowed timeframe also unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unauthorized inquiries on my Experian Credit Report. I sent a dispute directly to the creditor 's. They received my dispute VIA USPS PRIORITY mail. And they failed to send me any proof or respond to the unauthorized inquiries. These inquiries should be deleted immediately.
Product: Credit card or prepaid card

I was charged {$75.00} by XXXX in XXXX of XXXX. I disputed this charge as it was authorized by ex-wife on an old Citibank credit card account ending in XXXX. I had cancelled this old card and received a new card ending XXXX in late XXXX. After providing information to Citibank they removed the charge in XX/XX/XXXX. However, they allowed XXXX to charge my account ending in XXXX again in XXXX of XXXX. I disputed this charge again and Citibank has now come back siding with XXXX and added the charged back to my account and are now requiring me to provide proof that I cancelled the service. This is a service I never requested and have had no contact with XXXX. XXXX has not sent any communication to physical mailing address or my email address so I have no means to cancel this service that I never set-up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to have a  Public Record  removed from my     XXXX   and Equifax credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied , but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.
Product: Checking or savings account

Sir! 

non-payment of bonus linked to new accounts and interests linked to checking and savings account. 

I had opened new checking and savings account by XX/XX/2019. The bank as every year announced opening bonus of {$400.00} for new account opened in according to yearly campaign for new accounts. It has been more than 2 years and my inquiry revealed that my account is stagnant with no addition for interest or bonus amount. 

I wrote an email. A copy is attached and other documents as brought out by bank at relevant time. Also copy of statement.
Product: Mortgage

Since XX/XX/2021 and before I have called, emailed, faxed Rushmore Loan Management Services, the loan serving company for 4 of my loans to no avail whatsoever.

As part of their terms of service, I am entitled to gain access to all my loan information by using their 'customer friendly ' portal. The issue is that at no time have I been able to have access to the portal as it is always broken, not operating, " not set up correctly or some other group needs to solve the problem ''. The matter continues to this very day and I have invested near 90 hours of my personal time these passed 16 months. I have been in touch with numerous off shore employees including XXXX XXXX, head of tech at Rushmore.

What prompted this CFPB report is that Rushmore made a huge miscalculation on one of my loans. The impact is now financially damaging me to more than {$4000.00}. Due to THEIR errors, I may now lose my home and this is not right and they should make it right at their expense.

I have already consulted with a banking attorney and I do plan on suing them if this matter is unresolved within the next 21 days. I also plan on going to the media on this and creating social media posts to educate borrowers on this company. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

UPDATED INFORMATION NOTICE Regarding Freedom of Information Act Request. 

I believe AMSCOT and there representatives or Agents have discriminated on me as stated in NOTICE. 

SEE ATTACHMENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.
Product: Credit reporting or other personal consumer reports

After reviewing my recent credit report I discovered a number of items that are not accurate and are fraudulent items. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). The fraudulent accounts are listed below. 
XXXX XXXX opened XX/XX/XXXX Account # XXXX {$300.00} XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XXXX {$4300.00} opened XX/XX/XXXX Account # XXXX I have sent a notarized affidavit, FTC report, and proper identification via registered mail to the credit reporting agency. According to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Illinois Northern Bankruptcy Court XX/XX/2023 To Whom It May Concern I received a copy of my credit report regarding the bankruptcy below : XXXX XXXX XXXX According to the 3 reporting agencies, the Illinois Northern Bankruptcy Court reports Bankruptcy filings to all 3 credit reporting agencies ( XXXX, Experian, and XXXX ) as well as XXXX XXXX  and CoreLogic. My bankruptcy was considered a private matter until you reported it to the bureaus. 
Any account that is reporting on a consumer credit report must list it as reporting it to the credit reporting agencies. Can you please reach out to me and let me know if this is true? I know that this would be considered a forgery of your name onto my credit report if you did not report it directly to the furnisher. 

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

Hi I sent equifax a XXXX form and online disputed about my hard inquire that I do not have no knowledge of. And they did not prove it was me and did not show that it was me. I want to see what they verified. They wrote me a letter what is that telling me nothing. I want to see the proof myself.
Product: Debt collection

My account has been incorrectly billed against me and I have attempted to get this resolved. The matter was outsourced to XXXX XXXX XXXX  and advise them of the issue and trying to resolve this matter. The amount being billed was incorrect and should have been corrected. I am herby asking for correction to this matter due to the Fair Credit Reporting Act. They are attempting to steal from me by overcharging for the amount. XXXX XXXX XXXX was going to work this out and RC Willey has just requested the files back. The unethical behavior from them has caused problems as I will not agree to pay more for what I owe. When I spoke to the debt collector they advised me that they were working on a amount of XXXX and that I should get correspondence back. 
I have callled RC Willey and now they are demanding more. I herby challenge and request that all charges and payments be provided along with the merchant to stop harassing me with improper amounts being requested. 
The XXXX was pending a letter to be sent and now RC willey wants to change what was going to resolve this matter.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am submitting this complaint due to TransUnions failure to allow me to submit or check the status of disputes online, despite having provided me with a copy of my credit report. Additionally, TransUnion has not updated my current address on my credit report, despite my having submitted proof of identity, including a copy of my drivers license, Social Security card, and a recent utility bill. This situation is causing significant issues, especially due to my XXXX, which makes managing disputes by phone or mail extremely difficult. 

Details of the Issue : 1. Lack of Online Dispute Accessibility : XXXX website indicates that the online dispute service is not available at this time. Without online access, I am unable to submit or track disputes efficiently. This lack of access restricts my ability to correct inaccuracies or make necessary updates on my report promptly, which I am entitled to under the Fair Credit Reporting Act ( FCRA ). 
2. Failure to Update Address : I have submitted the necessary documentation, including my drivers license, Social Security card, and a utility bill, to verify and update my current address, which is XXXX XXXX  XXXX XXXX, XXXX, NC XXXX. However, TransUnion has not made this update on my credit report. This omission is problematic as it prevents accurate reporting and hinders other financial and verification processes where a correct address is required. 
3. Impact of Disability on Alternative Dispute Methods : As a person with a XXXX, I face challenges using the phone or mail to manage these issues. The lack of online access significantly limits my ability to address these concerns independently and promptly. Online dispute access would allow me to handle disputes more efficiently without needing additional assistance. 
4. Request for Resolution : I am seeking intervention from the CFPB to ensure that TransUnion provides online dispute accessibility or an alternative accessible solution. Additionally, I request that they promptly update my address to XXXX XXXX  XXXX XXXX, XXXX, NC XXXX, as verified by the documents I submitted. 

Supporting Document : I have attached a screenshot from TransUnions website showing the unavailability of the online dispute service, along with documentation verifying my current address.
Product: Debt collection

debt due to identity fraud please investigate and remove I've made numerous attempts to get removed
Product: Credit reporting or other personal consumer reports

I am a vicitim of identity theft and I need your help to remove the innacrecy from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion beginning XX/XX/2020 to dispute unverified and inaccurate information and accounts on my credit report, despite sending five dispute notices they still did not fix the inaccurate and unverified accounts on my credit report. I told them I would sue them ( which I am serious about if they do not correct the inaccurate and unverified accounts ) this got their attention which they asked for more documents. I sent them all the documents they had listed and requested but before they received the documents they stated they completed the investigation and everything was verified. I know this could not be true because they had not received what they asked for and they still said the documents were not correct. I highlighted the information they requested and resent it but before they got it again they said they completed the investigation and the information was verified. I asked the who verified the information which I am entitled to under section 611 ( a ) ( 7 ) per FCRA and no response.Transunion is refusing to perform a proper investigation per the FCRA which is a federal LAW. I have no choice but to file a lawsuit I just wanted to see if you can help before I file a lawsuit to exercise my right to a fair and proper investigation into unverified and inaccurate accounts on my credit report. I hope you can help! I have attached documents sent and received from Transunion
Product: Credit reporting or other personal consumer reports

XXXX XXXX I contacted XXXXXXXX XXXX XXXX, XXXX regarding their account on my consumer report. I requested a validation letter, verification, any and or disclosures or signatures stating account ownership. CFPB COMPLAINT ID : XXXX None of the documentation was provided. I request for this account to be removed from my account. I have consumer rights, anything information on consumer report must be accurate and complete. I have consumer privacy rights. 

FTC ACT FCRA ACT THE TRUTH LENDING ACT PLEASE REMOVE THIS ACCOUNT FROM MY CONSUMED REPORT IMMEDIATELY.
Product: Mortgage

I am submitting this complaint because of a dispute I am having with my bank, Fay Servicing, who is administering my mortgage loan. During the pandemic I needed to utilize the mortgage forbearance program that was available nationwide. During this process I worked with my former mortgage administrator XXXX XXXX to finalize an agreement that would put any amount due after forbearance ended at the back end of my mortgage loan & continue to make payments as usual. Before forbearance ended XXXX XXXX  sold my loan to Fay Servicing. Once the forbearance ended Fay Servicing said they would not honor this agreement & the full balance is due my XX/XX/2023. 

Fay Servicing has stopped taking payments from me & will only accept one large payment that covers all the amount due. I have made several attempts to resolve the situation, but they seem intent on putting me into foreclosure. I have about XXXX of equity in my home. They rejected my solution of using the equity in my home to resolve the outstanding balance. I do not have any other options left to resolve a XXXX balance due. Per your guidelines of submitting a complaint, a good solution for me would be to put the outstanding balance on my mortgage to the back end of the loan like my original bank agreed to. Thank you for your help & support. You may contact me anytime.