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

TRANSUNION credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of not responding TRANSUNION has said that these debts which are FRAUDULENT have been verified as accurate. TRANSUNION has violated my privacy rights TRANSUNION DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant TRANSUNION permission to add these items to credit file. TRANSUNION has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.
Product: Credit reporting or other personal consumer reports

This is my 4th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FIN XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00}
Product: Mortgage

I feel the need to put this in front of the powers that be. I am a mortgage loan originator for XXXX XXXX in XXXX Florida. I have made it my goal to help my clients in everyway possible for there home purchases and refinances. I have encounter a lot of hiccups lately with dealing on new home purchases. In particular XXXX XXXX in XXXX XXXX XXXX. I have now had XXXX clients that have purchased there new homes and I have to say that even though there homes are great quality there business practices are appalling. I have to say what they do seems and sounds like Steering to me. Here 's why : When you enter an XXXX home you can clearly see signs about using there preferred lender for No Closing costs ( which is already a lie ) And than after telling a rep of XXXX homes that your financing has been secured they pass your information on to there preferred lender who proceeds to barrage the borrower with emails ... even after telling them there is no interest in dealing with them. It is clear that steering is taking place because it is written in there contracts and told to the borrower that if you do not use our finance company than you will incur all the closing costs as opposed to paying none of them. If XXXX homes has no financial benefit from using there preferred lender than why force the fees that are traditionally covered in our area? Why penalize the borrower thousands of dollar 's? XXXX of there preferred lenders is FBC Mortgage from XXXX Florida. They call the client after a {$1000.00}. deposit is made and ask a couple of questions. They do not run the credit of the borrower, but still send them an approval for a loan. If the home is being built than XXXX can pocket the {$1000.00}. deposit and claim the borrower no longer qualifies and puts the home on the market. This leaves the initial person after months of waiting out of his money and a home! I have read numerous complaints online of this act. It seems criminal and I am surprised to see it continue to happen over the years with no investigation to the process. I do n't know if you receive the complaints on this or if this is the right place for it, but I feel enough is enough with this practice and felt compelled to write about it
Product: Mortgage

M & T Bank refuses to call me back regarding my request to modify my home mortgage and remove PMI. I 've followed their requests to pay for an appraisal of their choosing, and when the appraisal was completed I received an autonomous letter signed " Sincerely, Insurance Servicing ''. When I call the only number provided, there is no choice for the topic of my inquiry, and I have had to spend excessive time navigating the automated system that has no mechanism to direct me to a human M & T representative. When I go thru an option that is not why I 'm calling, I finally speak to a customer service rep who is not even allowed to provide me their complete name. They have no authority, they just put me on hold and eventually I speak to a person who just reads me back verbatim what is contained in the autonomous letters signed XXXX XXXX. When I ask to speak to someone in XXXX XXXX, I 've been told it 's not a department. I 've never felt less regarded for my business and my existence as a fellow human being. I 've been waiting two weeks now for someone with direct knowledge of the letter 's I 've received to call me back and discuss my account. M & T has no regard for me as a customer, and I would never recommend doing business with this bank.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX pulled my credit without my authorization and refuses to remove the inquiry. I did not apply for a home loan with her.
Product: Credit card

Another loan accidentally was drawn out of my account twice, causing a deficit in my bank account which in returned cause my other auto payments to not be honored, like the one in question ( CareCredit ) - I contacted the auto loan bank that caused the deficit and they processed a refund of overpayment but prior to that being returned CareCredit tried to draw my payment out a second time, which was rejected again. They then closed my account without any notice to me prior. They stated to be it was due to my payment being rejected twice. Prior to this I had not missed one payment and I honored the mixed up payment within 5 days of it happening. I know others who have accounts with the CareCredit lender ( Synchrony bank ) that have been late with their payment multiple times but did not have their account closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to transunion under my name and different social fraudulently I have reached out to transunion as well as debtors both have not corrected this fraudulent information for account WF/Bobs discount that begins or ends with XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : * Account Name : XXXX XXXX * Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within four business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 
3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 
2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
3. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Checking or savings account

XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I called the XXXX XXXX, i also called Chexsystems about the Reported balance of {$190.00}. Im unable to open up a checking account because of this negative balance being reported in the chexsystem.
Product: Credit reporting

Received a credit report from Experian today XX/XX/2016 that was dated for XX/XX/2016 with my name deliberately incorrect. My name is XXXX XXXX XXXX but my report was sent to me with XXXX XXXX XXXX. Please know that Experian has numerous copies of Driver License and Social Security Card. I 've enclosed the documentation of proof with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a   negative on my credit profile.
1st req  uest sent certified mail  XXXX / XXXX / 17  ; response was " verified  '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct.     * These negative records are also listed on my report as duplicate recor ds (   XXXX   times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.
Product: Debt collection

Dear Medical Data System INC After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX//2017 I am  requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Credit reporting or other personal consumer reports

I am XXXX this FTC adavit to report several separate fraudulent accounts appearing on my consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 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 TD Bank NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TD BANK NA Acct # XXXX opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDPCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company XXXX XXXX  Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This XXXX XXXX debt collector left a receipt of this inquiry ( XXXX XXXX ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove US DEPT OF EDXXXX, US DEPT . OF EDUCATIO, and XXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed many inaccurate items on my credit. Please remove these from my credit report. It hurting my ability to obtain credit. Thank you in advance. 

XXXX XXXX XXXX Acc : XXXX The card was reported stolen yet It still reflects It was active after XXXX. There's not payment history reflecting, no information about this account on my credit report and shows showing XXXX accounts with different credit histories with the same balance.. PLEASE REMOVE. 

XXXX ( Original Creditor : XXXX XXXX ) - Acc : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

XXXX XXXX XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

INQUIRES : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX,
Product: Mortgage

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX? Rent reported late Mortgage is for {$1000.00} at this time the mortgage was reported late we were selling our home first time home buyers and first time sellers the month of selling we were instructed not to pay or do anything that could effect closing the mortgage was not do at the time anyway and that the mortgage would be paid off the buyer backed out at the last minute and new buyer swooped in to purchase the home i called fha and explained the situation rent day was moving closer and explained to them the situation they said not to worry the mortgage will be paid off and not to worry no late payments will be reported do to the home selling and not interfering with the title company. Then the same year we had sold the home we had seen 2 mortgage late payments for 30 days late That is not supposed to be on there almost 4 years later nobody is helping me get this taken off i tried credit repair to challenge these 2 late payments but they were put back on by XXXX XXXX XXXX XXXX she said she could not help me and not only she put them back on my credit report without letting me know she put them on for 60 days late each account i also never knew this was on my credit report until after i had sold my home almost a year later this is not fair and the dates are wrong aswell when reporting months selling the home
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 those account 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. 


XXXX 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
Product: Student loan

At XXXX  XXXX XXXX  XXXX XXXX I attended at this university in XXXX. They charged me a full year term class tuition for an empty class meaning no staff, no students, no class work it was an empty class that doesnt even exist in faculty records. I submitted documentation for the removal of this class from my transcripts for the years term and for my financial aid. They denied me approval for my documentation stating that it was not a class but stated that I already took the class for a year which is empty and that they can not remove grades or conduct scores off my transcript since the school year has ended. They charged me over XXXX plus interest for not paying and suspended me for a year because this empty class lowered my GPA and Conduct score for me to pass freshman year in college. I want this removed immediately from my credit report as XXXX of the hard inquiries that is stated on my credit report with XXXX XXXX. This University is the most absolute most terrible college to ever attend to. Given they do not care for ones education but only how much money they receive from students. Knowing I have a millennial scholarship and received financial aid, they knew keeping this on my transcripts and conduct score that I will not be eligible for my millennial scholarship and financial aid no longer because of guidelines to follow for eligibility for financial aid. And this is all from an empty class all my other classes and conduct scores were above XXXX and a conduct score of satisfactory. This institution discriminated against me and charged me knowing it would impact my credit score and suspended me for a year knowing if I even tried to continue my education I would not be eligible for financial aid.
Product: Debt collection

This is my 3rd CFPB complaint. On XX/XX/21 I received a collection call at approximately XXXX XXXX, waking me up in vacation. Wells Fargo has been notified of the acceptable hours to contact me both verbally and in written form. 

Collector did not verify that she was speaking with correct party. When I asked for a supervisor, he also failed to properly verify my identity per FDCPA regulations. The supervisor also refused to provide me his legal name, denying me my legal right to hold said representative accountable in a court of law ( should that ever happen ). I hung up on him and called back. When I spoke with another supervisor I explained the previous representative refused to provide his last name. I also brought up my last Unresolved CFPB complaint. 

Wells Fargo admitted to calling me at XXXX XXXX. I have requested, and still have not received, the {$1000.00} due me for this FDCPA infraction. Now, we have two representatives who didnt even VERIFY they were speaking with correct individual. That will be another {$1000.00}.