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

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way TransUnion are furnishing my information. I am aware there are various federal laws in place to protect me as a consumer and to construct this business transaction. TransUnion CAN NOT report/treat a payment on an open ended credit plan as late for any reason. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give TransUnion PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX such authority . 
TransUnion 's apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings TransUnion have listed on my consumer report. As I have contacted XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX  XXXX, # XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX  XXXX, # XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration with your ongoing failure to resolve the inaccuracies on my credit report despite multiple dispute submissions. The erroneous and unrecognized negative items remain on my report in clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, DC 20552 Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Dispute of Fraudulent Account XXXX  To Whom It May Concern, I am writing to formally dispute the fraudulent account on my credit report associated with XXXX. This account was previously removed from my XXXX report, yet it remains on my Equifax and XXXX credit reports. I am requesting that this account be thoroughly investigated and removed from my credit report as it is the result of identity theft and is not my responsibility. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The presence of this fraudulent account has severely impacted my ability to grow my business and provide for my family. Most notably, it has prevented me from securing a mortgage, which is critical for housing my family and expanding my business endeavors. 

In accordance with consumer protection laws, including 15 U.S.C. 1681i ( FCRA ), I request that Equifax and XXXX conduct a prompt reinvestigation of this matter. Please provide me with written confirmation once this account has been removed from my credit reports. 

Attached to this letter, you will find supporting documentation including proof of my identity, the police report related to the identity theft, and any other relevant documentation to substantiate my claim. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the removal of this account from my Equifax and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered into an agreement with XXXX XXXX to consolidate debt with various creditors. An agreement with American Express was reached in XX/XX/XXXXor XX/XX/XXXX and payments are being made. AMEX has my accountlisted as closed-written off on the credit reporting agencies but still reports monthly as my payments are late. AMEX states they will continue to report late payments even though reported my account as closed and written off and agreed to a settlement which is paid monthly. AMEX stayed today, XX/XX/XXXX that thats what they do and will not cease reporting late payments. 

I respectfully request an investigation and help getting AMEX to cease reporting late payments on an account t that is closed.
Product: Student loan

I found out, not through my servicer XXXX or Federal Student Aid, but through the news, that the XXXX plan I am on has been blocked by a federal appeals court on XXXX. As such, all borrowers on XXXX have been forced into an involuntary forbearance that does not count towards XXXX XXXX XXXX XXXX ( XXXX ). If not for this forced forbearance, my loans would have qualified for forgiveness on XXXX XXXXXXXX XXXX. Now, itll be at least XXXX months later than that. This also puts us in a potential new presidential administration, and XXXX candidate, if they are elected, has promised to abolish XXXX. 

I followed the instructions given to me via XXXX XXXX XXXX website to submit a new XXXX plan application to XXXX, which I did on XXXX and federal student aid said that the new application should process within XXXX  days. When I called XXXX to confirm the XXXX  day processing window on XXXX/XXXXXXXX, they said it would be more like XXXX business days, delaying my XXXX  for an additional XXXX months at least. When I asked them how long it would take to remove the forebarance, they said at least XXXX business days. 

To date, the only communication I have received from either fed aid or XXXX is a letter from XXXX dated XXXX ( same date as the court ruling ) stating that the XXXX plan would be recalculated and that the forbearance I would be put into would count towards XXXX. Through the news and my own research, I found that that was not correct, as the forbearance now applicable is related to the court injunction which expressly prohibits the forbearance period from counting towards XXXX. The false information I received by XXXX delayed my action, costing me valuable processing time. I want to know why it takes so long for them to process a run of the mill form and why the government/XXXX  has communicated none of this to me. 

I truly fear that I will miss the opportunity to get pslf despite working in public service for the last XXXX years. If a new administration does in fact abolish the program, I will have lost the opportunity through no fault of my own and by just a hair. I kept up my end of the bargain, why cant the government keep up theirs?
Product: Checking or savings account

Account was closed on XXXX XXXX and received direct deposit on XXXX XXXX. The direct deposit caused the account not to close, but Bank of America has no remitted funds to me related to this deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted EQUIFAX, XXXX, XXXX  and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.
Product: Debt collection

In XXXX, we had XXXX XXXX that we canceled. We knew we would have to pay an early termination fee. We sent the equipment that was requested back to them. Our final bill, they charged us for the equipment that they did not receive back within 30 days. We sent it back and it was received. We told them that we were not going to pay for equipment that we did not and that they admitted they had. We are trying to buy a home and the amount of {$1300.00} showed up due to them selling the collection in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please take away these inquiries. I am uninformed about this matter, and the company went ahead without my APPROVAL.
Product: Credit reporting or other personal consumer reports

I submitted a full police report from the XXXX Police Department requesting a block on the following listed accounts in accordance to the FCRA and FDCP they are in violation of serveral laws 15 USC 1681 ( 1 ) ( s ) states the following 15 USC 1681 ( B ) company has no right XXXX XXXX Account number : XXXX Inaccurate reporting dates and amounts XXXX XXXX  Account number XXXX XXXX  XXXX Account XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Account XXXX
Product: Mortgage

We have been trying to work with Ocwen for XXXX years now on keeping home after a job loss, bankruprtcy and a Loan Modification process which included XXXX trial payments made by us with Ocwen implying they would grant us a Modifiation, we filled out final paper work for a modification and then Ocwen proceeded to cancel it without notice despite the fact that we followed through on our end and they are now implying that they are proceeding with foreclosure process. We have had numerous certified letters returned to us as undeliverable even though we mailed them to address given to us directly by ocwen. we have had telephone conversations with their " agents '' who promise a solution us long as we continue making our payments and these " promises ' are turning out to be just spoon feeding us that thee is a solution. We were told they would give us a loan modification only to then be told that due to some technical difficulty it was cancelled and we were never notified of it? Who does business like this? We have stopped trying to deal with them by phone because it becomes he said, she said. We have been doing every thing by certified mail and keeping documentation of such. No one at that company seems to know what the other person at that company if doing. We receive numerous correspondence from them that come after letters that tell us one thing only to be told something else. they are impossible to deal with.
Product: Credit reporting or other personal consumer reports

Dear XXXX/Experian/XXXX, I am writing to address concerns regarding the handling and sharing of my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) and related statutes. As outlined in the FCRA, Section 602 ( a ) emphasizes the necessity for consumer reporting agencies to conduct their responsibilities with fairness, impartiality, and a commitment to preserving consumers ' right to privacy. 

Both XXXX and Experian operate as consumer reporting agencies, and as a consumer, I wish to assert my rights to ensure the confidentiality of my private information. Section 6801 of the FCRA underscores the obligation of financial institutions, including entities furnishing information to credit agencies, to uphold the privacy and security of customers ' nonpublic personal information. It is crucial to note that the entity in question falls under this definition as a financial institution. 
Moreover, Section 604 ( a ) ( 2 ) of USC 1681 specifies that consumer reporting agencies may furnish consumer reports solely in accordance with the written instructions of the concerned consumer. Neither the aforementioned financial institution nor the consumer reporting agencies, XXXX and Experian, have obtained my explicit consent to furnish this information. Any form of consent, whether express or implied, previously given to XXXX, Experian, or the entity providing information to credit agencies, is hereby revoked. 

Section 6802 ( b ) ( c ) of the FCRA mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise nondisclosure. Regrettably, I was never provided with information about my right to exercise this option. 

Furthermore, Section 1681C ( a ) ( 5 ) stipulates that no consumer reporting agency can include certain adverse items of information in a consumer report without proper authorization. The inclusion of such information without my consent violates this provision of the law.

In addition, Sections 1681s2 ( A ) ( 1 ) and 1681e necessitate consumer reporting agencies to maintain accurate information and implement procedures to prevent violations of the FCRA. It appears that XXXX, Experian, and XXXX may not be upholding these standards, as indicated by the concerns raised. 

I urge your immediate attention to rectify these issues and ensure compliance with the Fair Credit Reporting Act. I request confirmation of the cessation of sharing my information and an update on the corrective measures taken. 

I Demand These Credit Reporting Agencies Lower The Utilization Of All My Credit Card Product ( s ) Balances To Be Shown As 0 % Utilization Effective Immediately. It Is Causing Me Emotional Distress, Physical And Mental Pain. I Also Demand These Credit Reporting Agencies Do Not Stall Me By Asking For 60 Day Extensions As I Am Acting In Good Faith. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the XXXX  you caused me. My information was also impacted by the XXXX and XXXX Data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Equifax is reporting this inaccurate account XXXX XXXX Account # XXXX and has been inaccurately reporting wrong information on my credit for years, they keep updating it with more inaccurate information and claiming they verified it. This account is 7 years old, how is it now reporting last payment {$100.00} dollars on XXXX of 2021, I keep requesting, the names and business addresses of each individual with whom verified the information, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information. But my request have been ignored.
Product: Consumer Loan

The creditor or the US Postal System failed to deliver my statement, and this resulted in missed payments, and derogatory account information. It is my right as a consumer to receive statements about my account in the mail. I also requested a change of address with the creditor, and the company 's failure to update this in their system might have influenced this situation. I live in a large apartment complex and sometimes the mail man mixes up the tenant 's mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX CARDS CBNA on XX/XX/XXXX ( Reported Identity Theft ) 2. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and XXXX after receiving notification there were some changes made on my credit report. There almost XXXX inquiries that I do not recognize that are adversely affecting my report. I was told they could not be removed for 7 years.
Product: Mortgage

The response to my CFPB complaint # XXXX contained inaccurate information. 

It states that the loan officer told me I was not eligible for the program due to my credit score on XX/XX/2019. 

My escrow was cancelled on XX/XX/2019, after the Bank of America loan officer notified both me and my real estate agent that my loan was denied. 

If my escrow was cancelled on XX/XX/2019, how could the loan officer notify me that I was not eligible because of my credit score. 

Also, I requested that notification in writing and never received it. 

I requested a copy of my credit report from the first loan officer I  contacted at Bank of America and never received it. 

Consumers have a right to review the credit reports that mortgage lenders use to make underwriting decisions and I was deprived of that right.
Product: Debt collection

RE ; XXXXOn XX/XX/XXXX I was admitted to the XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted my then insurance company XXXX as I worked for XXXX and I had 100 % XXXX. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX at 100 %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for XXXX ,2. ARS letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. 

ALSO, ARS, is collecting the same two debts that ANOTHER agency is trying to collect on called HRRG. However, ARS was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY ARS! 
Now ARS is trying to collect not only the one paid in full by my XXXX insurance, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX XXXX times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! 

I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, Transunion, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.
Product: Credit reporting

I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a XXXX letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Experian updated the debt collection from the XXXX XXXX name to their alias which is XXXX XXXX XXXX. Please help me alleviate this collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX  XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX Is reporting false information on my Credit Report. I sent a letter of dispute on XX/XX/XXXX, in which I provided proof of my identity, an Affidavit and other documentation in support of my legal dispute. I followed up with further correspondence on XX/XX/XXXX, to ensure every possible document required was served! 

I sent the same information to all three of the credit bureaus on the same date yet only XXXX, has taken the immediate action necessary to remedy this wrong against my credit report! I submitted a request to Transunion online requesting my login details be reset, yet they failed to respond in the promised 24hrs. I called XXXX, and they asked me to identify myself by testing me with false information which I disputed and outdated information which should have been removed in XXXX. The first customer service representative correctly identified me, however, when I passed on to his colleague who asked the same questions concerning information which shouldn't be on my credit file she claimed to not be able to positively identify me. When I asked to speak with a supervisor I was placed on hold for an hour after which time I hung up! 

The continued reporting of false information on my credit report is adversely impacting my personal and professional finances. During this time of XXXX Pandemic, that is completely unacceptable.