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

TRANSUNION & XXXX CONTINUE TO BREAK FEDERAL LAW AND VIOLATE MY RIGHTS AS A CONSUMER AS SET FORTH BY CONGRESS THE LAW IS THE LAW. DELETE THESE ACCOUNTS ASAP FOR ALL VIOLATIONS AND FOR CONTINUING TO BREAK THE LAW AND VIOLATE MY FEDERALLY PROTECTED RIGHTS AS SET FORTH BY CONGRESS. 

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 ) '' the consumer report does not include information solely as to TRANSACTIONS or EXPERIENCES ( Payment history charge off status ) between the consumer ( myself ) and the person making the report. YOUR REPORTING OF THIS INFORMATION IS BREAKING THE LAW AS STATED AND SET FORTH BY CONGRESS. ADDITIONALLY THESE ARE AN ADVERSE ITEM AND THE CONSUMER REPORT DOES NOT INCLUDE ADVERSE ITEMS OTHEN THAN : PER 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports " any other adverse item of information, OTHER THAN records of convictions of crimes which antedates the report by more than seven years '' Additionally The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account ILLEGAL. THE LEGAL Definition PER THE IRS Clearly says a Cancelled debt or " Charge off '' is Income. I never received a 1099-C FROM for the cancelled debt. These companies are writing off debt with the IRS WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGALL. ALSO In Their TERMS and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TRANSUNION is not an affiliate of these Companies nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. AGAIN I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job at the onset of Covid 19 pandemic back in XX/XX/2020, I was unable to afford to pay mortgage. I had called XXXX several times to try to get on a forbearance plan from about XX/XX/XXXX, XXXX when I was finally able to get through to a live person in XX/XX/2020. Id call several times a day at different times but was not successful for a few weeks. I was finally able to get FHA loan on forbearance plan but had become 30 days late on payment during this time. XXXX continues to report 30 days late and it is making my credit score tank horrendously. I have asked several times if they could work with me as it was out of my hands but without resolve. 

There have been many representatives since then that have said it should be removed but when I try to dispute it comes back as correct. 

I called CFPB and rep said I should file a complaint
Product: Consumer Loan

I applied for a loan. They declined the loan based on the numbers I provided, which they have every right to do. However, they did n't tell me they had made that decision. Instead they did n't tell me they had made a decision, and asked me to send them a lot of financial information. These requests would be okay if they were still deciding, but once the decision had been made, it should have stopped. These requests continued for 2 days after they had already decided, and they refused to explain this to me when I asked about it after.
Product: Student loan

The terms of my private student loan with BECU were changed without my knowledge. When I began paying back my student loans XXXX have never missed a payment ) in XX/XX/XXXX I had up to XXXX XXXX month forbearance periods available to me. In XX/XX/XXXX I became unemployed and reached out to my lending institution letting them know that I would like to opt for the XXXX month forbearance available to me. They told me that they were no longer offering these forbearance periods and I would need to figure out how to pay. For XXXX months I barely made my payments of {$600.00} per month on unemployment checks ; until I was lucky enough to find employment again. I feel violated by those periods of forbearance being taken away from me. Those periods of time were a safety net for me as a financially independent young adult who holds {$80000.00} in private debt. Is the institution allowed to do this without notifying me? If they did notify me in a monthly payment contract opt in is that predatory?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my Experian credit report and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. 

Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX has removed all the accounts listed below
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I entered into a contract with XXXX XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically national assets and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XX/XX/XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when National Assets put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XX/XX/XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was XXXX in early XX/XX/XXXX, though it might have ben XXXX I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Mortgage

I refinanced my home with Mutual of Omaha with the first payment due XX/XX/XXXX. My escrow is in my mortgage. The end of XX/XX/XXXX I received a letter my escrow was short. Since I had been with them for only 6 month and the funds were still being collected into my escrow. I had to send them a check for {$1200.00} with is more than my insurance, {$1000.00} or more than one year of taxes $ XXXXPlus they increased by payment by {$20.00} for an additional {$240.00} I contacted them and explained based on the current escrow about and they remaining payments I was covered. I have not been with them a year and how can they determine is XXXX short. The taxes have been paid but insurance is due XX/XX/XXXX which basically I paid when I sent them the check. My current balance is {$970.00} with insurance due XX/XX/XXXX and taxes XX/XX/XXXX. So taxes and insurance total {$2500.00} and I sent them {$1200.00} and the increase of my payment is an additional {$240.00} totaling {$1400.00}. Just doesn't seem correct. I have owned other homes and have never had this issue. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DSNB Macy 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on XXXX XXXX and XXXX. XXXX has corrected it. Thank you, XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I submitted a police report and an identity theft victim 's complaint affidavit to all three credit report agencies. XXXX XXXX removed most of the accounts, but XXXX and Equifax have not complied. I have included XXXX XXXX 's Removal letter. In order for all 3 credit report agencies to be accurate and complete, they must match. XXXX XXXX has removed these accounts INCLUDED IN THE ATTACHED XXXX XXXX REPORT, and Equifax and XXXX must follow suit to comply with the Fair Credit Report Act. ALL CHARGE OFFS AND DEROGATORY ACCOUNTS ASSOCIATED WITH IDENTITY THEFT MUST BE REMOVED.
Product: Credit reporting or other personal consumer reports

i have been trying to get 3 my credit reports and i keep no result from all 3 credit bureau. i was denied on XXXX XXXX XXXX because the bureaus arnt allowing it
Product: Debt collection

Repeated, unwanted calls not just to me, but to my elderly father and also ex wife.
Product: Checking or savings account

On XX/XX/XXXX at around XXXX & XXXX pm I mistakenly made two unauthorized payments with XXXX XXXXXXXX XXXX for {$65.00} & {$41.00}. I immediately called my bank with Chime and requested the payments not to go through but they Institute on not helping me. I also sent an email to XXXX XXXXXXXX requesting an immediate refund as I do not intend on using the products but their reply was to return the items which I may not be able to as I only have a phone and not a printer to print out the return address slip. I would like a stop payment from XXXX XXXXXXXX as I do not need and will not use any of their products.
Product: Credit card

I need them to stop calling me harrassing me they call me 10 to 15 times everyday including weekends at any time. Please I need this to stop unfortunately I cant make payments I am struggling to stay afloat. i was making payments but I lost my job during covid and right now is making payment to card or paying my rent and putting food on the table for my family. These calls are driving me to desesperation. Please stop!
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on 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. Please update these items right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX showing on my credit report but was paid i fax and sent certified mail to have remove and they will not this is a violation
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account charged to profit and loss XXXX XXXX XXXX XXXX XXXX This account need to b taken off credit report
Product: Debt collection

My name is XXXX XXXX and I used to live in XXXX XXXX XXXX XXXX, XXXX XXXX Florida. I always paid my bills on time I have 100 % of payment on time on my credit report and I was just blindsided by this negative report made by ideal collection service. It was regarding {$64.00} and I never got a letter or a phone call saying that I had this depth regarding water bill thats what they say to me when I called Them yesterday. I take care of my credit very closely and I really care about my reports and I do my best to be on top of my hundred percent payment on time all my payments are automatic pay so I will never forget about them. I never got any phone calls from XXXX XXXX or the collector office. Im really upset that my credit decreasing 42 points over {$64.00} that I have no idea that I had to pay. I found out that yesterday and I already filled out a check and I send it out to Ideal Collection. I think what they did wasnt fair. They hurt my credit bad. Im really upset about this and I hope they will remove this bad report after my check clears up. 
Sincerely XXXX XXXX
Product: Debt collection

Ive contacted the company multiple times in regards to remove the debt from my credit report. Ive asked for validation ; and received no response at all. Ive asked for validation as well. 
The first letter was sent XX/XX/XXXX Second letter was sent XX/XX/XXXX Third letter was sent XX/XX/XXXX XXXX
Product: Checking or savings account

This has been going on for so long and I have been trying to reach out to Citibank for my XXXX dollars for months now and its been very stressful for me and my daughter. I been getting handed off to representatives like a toy ball been giving me the run around everytime i called. I was once told that my bank account is closed and that i should be receiving a check for my remaining funds. But when I called back as I was told to do I was told now that my bank is not being closed but has to be looked at first and I have to wait more months once again. I am very XXXX and XXXX  to the point I dont know what to do with my life Im so XXXXe financially and also my mother has passed away recently so I have no one to rely on for help. Can anyone please help me please. My number is XXXX
Product: Checking or savings account

I was approved for a loan from the SBA ( Small Business Association ) Application # : XXXX In the amount of {$80000.00}. I had these funds deposited into my Suntrust checking account. The bank froze my account, then closed it. Which they have a right to if they suspect suspicious activity etc. I have no answers from the bank about why they have my loan funds and have closed my account. I have made several attempts to give documents to prove the funds came from the U.S GOVERNMENT. I have no response from the bank, no return calls, only that they know nothing. I understand the laws of the secrecy act for banks for laundering money. There has been no papers served to me with any kind of accusations. The Suntrust bank is acting in bad faith by not sending me a check after closing my accounts. The balance owed to me is XXXX. They have not given me any chance to show where the funds originated or why. I understand it is the banks trained employees call. And that is fine. I am in no way laundering money nor do I do suspicious activity. I have no criminal background at all. I would like to get my loan funds {$64000.00} from Sun trust.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as well as 15 USC 6802 Obligations with respect to disclosures of personal information. 

The accounts are as follows : XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX The prementioned companies have violated my rights as follow 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedantes the report by more than seven years.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

The issue began with XXXX XXXX XXXX XXXX reporting an erroneous collection to the credit bureaus. They claim to represent XXXX XXXX XXXX whom I had a tenant contract with. Due to multiple serious violations and complaints, I was given the authority to terminate lease early and stated as much in an email from the then property manager I could do so without penalty. Subsequently they cut off communication to me. I sent a certified letter to the address in the lease regarding my intent to vacate. Rent paid until the day I vacated. They not only received my letter, but then claimed to never have received it. Evidence from USPS supports this. They did purposely and with intent to harass me. This same manager was convicted and sentenced to Federal prison late last year for fraud among other charges. XXXX has removed this account as no documentation supports this purported debt. XXXX is in the process of removing it also. Experian refuses to provide proof or delete it.
Product: Student loan

I was under the Public Student Loan Forgiveness Program with FedLoan Servicing. They have lost their contract with the US dept of Ed. They no longer exist. I made a payment to them on XX/XX/23 for the amount of {$190.00}. I need them to return my payment as they no longer exist. I have to now send that payment to XXXX. The address it was paid to is FedLoan Servicing Payee address XXXX XXXX XXXX XXXX, GA XXXX Payment was made via my online pay banking services.
Product: Credit reporting or other personal consumer reports

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. 

I am deeply troubled by the continued presence of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to promptly remove these inaccuracies. I am asking for your assistance to remove the following fraudulent items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} 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  {$240.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX