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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I am writing to dispute multiple items on my credit report. I have attached a copy of the report and highlighted the items in question. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request you review these items and correct or remove any inaccuracies. 
For each of the accounts listed below, I point out the following inconsistencies according to Metro 2 Codes and reference 15 U.S.C 1681 : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** : Account Status ( XXXX XXXX ) - **Inconsistency** : My report shows 5 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** XXXX Account Status ( XXXX XXXX ) - **Inconsistency** : My report shows 4 late payments.

- **15 U.S.C 1681** : I request validation of these late payments. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 2 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 3 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
5. **OFFICE OF THE ATTY GEN - XXXX XXXX  - **Metro 2 Code** : Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 9 late payments.

- **15 U.S.C 1681** : I request validation of these late payments.

6. XXXX XXXX XXXX XXXX XXXX XXXX - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) and Amount Past Due ( XXXX  XXXX ) - **Inconsistency** : My report shows 3 late payments and a past due amount of {$15.00}.

- **15 U.S.C 1681** : I request validation of these late payments and the past due amount. 
For each of the above accounts : - I request validation of the late payments reported according to Metro 2 guidelines.

- Additionally, for accounts with outstanding balances, I ask for a detailed validation of the debt, including a breakdown of the balance, any interest or fees added, and a copy of the original agreement. 
As mandated by the FCRA, I expect this investigation to be completed within 30 days. If the investigation isnt finished within this timeframe, or if the disputed information is unverifiable, I request these items be removed from my credit report. 
I look forward to your prompt response and resolution of these issues. Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I spoke with MCM and asked them to Validate the debt and email me a debt agreement from the creditor. MCM would not speak with me and told me to contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was scared so I started paying the law office.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request removal of a specific account from my credit report with EQUIFAX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed account details : Account number : XXXX Creditor name : XXXXXXXX XXXX XXXX Incorrect information identified on reports from all three credit bureaus. 
Legal basis for removal of information : Right to accurate information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be verified manually with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a complete reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : Under the FCRA, if information can not be verified, it must be removed from the report. 
Liability of Information Providers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditor 's failure to validate this information warrants its deletion. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to comply with required accuracy procedures. 
Permitted Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that the access to my report was legitimate. If it was not, I request deletion of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) emphasizes the credit bureaus ' responsibility to properly investigate consumer disputes. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Negative ) <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 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
Product: Consumer Loan

My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.
Product: Mortgage

NationStar Mortgage Company has continued to inaccurately process payments to my mortgage account over a period of time. I have exhausted myself calling and reviewing the account with several different agents and to no resolve. On XXXX XXXX, XXXX I spoke with a supervisor regarding the matter because I was promised a refund check due to an escrow overage. He stated the first agent did not process the request accurately, and he was mailing it today and assured me by giving me a tracking number of an arrival date : XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX and I have an agent from Nationstar on the phone-line via USA ( UNITED STATES OF AMERICA ), whom stated it never happened! At no time did I request Nationstar Mortgage to wright and void a check in my name, virtually returning the funds back into the escrow account. 

This matter goes further back to XXXX of XXXX, a payment in the amount of XXXX was received by Nationstar, on my behalf. I requested them to apply to mortgage six months out, so I would have no mortgage payments until XXXX XXXX. Upon agreeing to these terms and conditions, they removed my six month options and demanded payment on XXXX XXXX, XXXX. 
Furthermore, after back and forth with their representatives to correct the problem I paid the mortgages late for XXXX XXXX and XXXX XXXX. 
This is a shame!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$33000.00}.
Product: Mortgage

I took a loan with XXXX, XXXX, 2004. The loan was later purchased by Nationstar Mortgage, Loan # XXXX. I am in the process of selling the residence and have a VA loan offer awaiting appraisal. I went on-line to check my Nationstar loan account but, discovered they have changed their format, I must re-register my account, and in order to create a new account I must check a box that says I acknowledge there 's a {$25.00} service fee for pay-off. 
When I took the original loan I specifically asked and was told there were no fees associated with pay-off of the loan. I consider Nationastar 's action an abuse of process and a deceptive practice. I have directed my XXXX XXXX, XXXX XXXX to deny any extraordinary fees for closing this loan and to notify me in writing if that delays the action.
Product: Credit card

Hello On XXXX XXXX, I had my daughter set up an account with CFPB and had her assist me submit a claim regarding my Citi Credit Card. She opened an account on my behalf and filed the claim and it was assigned ID XXXX. Since my daughter 's email address and phone number we listed in my claim, it was rejected with the following reason This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I called a CFPB representative to see why my claim was closed and I was told that I need to create my own CFPB account and only use my information and submit a new claim. I followed the guidance from the CFPB representative and created an account with my email and submitted a new claim on XX/XX/2023 ( ID XXXX was assigned ). A few days latter I received a notification that This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 

I called a CFPB representative AGAIN and was told to submit a new claim since Citi bank rejected the first two. I would like to reiterate that Claim XXXX was closed ( since I had my daughter help me ) so claim XXXX was NOT a duplicate but was rejected by Citi anyways. In accordance with CFPBs guidance I am trying to submit this claim ( since my first 2 were closed without being investigated ) so I can finally get some assistance. This is a prime example of the XXXX  I have been dealing with at Citi. This issue has been outstanding since XX/XX/2023! I am XXXX XXXXXXXX XXXX and this is causing me a great amount of stress! 

Some details of my issue with Citi are as follows : My account with Citi was hacked and someone purchased several XXXX dollars worth of charges in XX/XX/2023. I filed a dispute, paid for all the items I purchased and cancelled my card. Citi sent me a new credit card with a new number. I told them I did not want the new card and they told me to destroy it. I destroyed the card but Citi added two of the fraudulent purchases that were being disputed onto the new card ( one for Home depot in the amount of {$210.00} and one for XXXX in the amount of {$89.00} ). This was in XX/XX/2023. I informed Citi that the two charges on the new card are fraudulent and that I never authorized the new card. On top of that, Citi is still charging me monthly interest for the two fraudulent purchases they moved to the new card ( they now say I owe {$470.00} ). I have called Citi numerous times, I have written letters and been on hold for many hours. Citi says the charges are under investigation but continue to charge me late fees and interest. I am concerned my credit score will be affected! I am XXXX XXXX XXXX and I feel they are trying to take advantage of me. I have done everything and nothing is getting this resolved. can you please help?
Product: Student loan

I am one of the many borrowers that has my loan serviced by Navient. When I tried to arrange for a more affordable payment, I was forced into forbearance ( multiple times ), this year I paid basically nothing in principal and about {$3000.00} in interest! I did not fully understand how much I had been taken advantage of until I got my XXXX!
Product: Credit card or prepaid card

XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX Barclays Bank {$2800.00} XX/XX/XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX Remove from all 3 credit reports
Product: Mortgage

I was forced out of my company due to a permanent XXXX. They were not able to accommodate my physical condition and I was let go after 26 years as I still need XXXX more XXXX and I have no more time I can use to get those done let alone that I most likely will not meet physical weight lifting requirements with the recommended back fusion and second XXXX XXXX. 

I asked XXXX if there was a way to do a loan modification to our mortgage since my income was significantly reduced and the Customer Service representative advised us to go late on our payments so we can work the modification process which we did. They denied our first request and I submitted for a second request with updated information which was also denied. They want us to liquidate our home and we want to stay and keep our home. Now they want us to make up the late payments and although I was able to pay the oldest balance ( I did this twice in good faith ), we are not able to bring the account current. We were just asking for a modification to help lower our interest rate and payment. Every little bit helps with our budget. They won't even help with a forbearance which was given to other customers during Covid. We tried to keep our payments current during Covid but I had XXXX XXXX with XXXX stints of XXXX, which was delayed by Covid, and they won't accommodate us with that either saying that the investors are no longer offering that assistance. My disappointment here is that I tried in good faith to work a process with a legitimate issue and they won't help us. We are stuck trying to bring the account current when they advised us to go late in the first place. I tried my best to be proactive and provide them the needed documents and responded right away each time they asked for more information. A friend who is a mortgage broker suggested I submit a complaint to you regarding my experience. I'm hopeful for a positive resolution but I've heard of millions of people across this country were getting assistance but I'm not able to get any help.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - Financial Recovery Services - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX  In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

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 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting docume
Product: Money transfer, virtual currency, or money service

Initiated an XXXX XXXX withdrawal on XXXX ( {$25000.00} ), XXXX ( {$25000.00} ) and XX/XX/10 ( {$10000.00} ) from XXXX which uses Silvergate bank as the XXXX for omnibus cash in USD. The XXXX withdrawals were all debited from my account on XXXX and processed with silvergate within seconds. Nothing has shown up in my bank account. Was told that XXXX transfers take anywhere between XXXX XXXX XXXX
Product: Credit card

I had a company business card until XXXX 2015 when we mergered with another company. The new company I work for does not use company credit cards thus I have to use my own credit card for business expenses. I had made a {$2000.00} payment on my CITI Corp account to free up some credit line for my pending business trip on XXXX XXXX 2015. Payment was credited and I went to pick up my car rental when I was informed that the card would not accept the charges. I called CITI Corp and they advised me that they credited my account for the payment received and had also reduced my credit limit at the same time. I had not been advised prior to this that my credit limit was being reduced. I requested the payment to be refunded to me which they did less payment due for XXXX. Ever since then my statement shows that amount CITI corp refunded as the minimum payment due which I will not pay. I pay an amount similar to what I have paided in the past only to get phone calls stating I need to speak to someone concerning my account. When I do they tell me I still owe more as the minimum amount due for the month.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Debt collection

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

On XX/XX/2020 I made a purchase on XXXX for {$71.00}. 

On XX/XX/XXXX I received an email stating the the package was delivered. It was not. 

I contacted XX/XX/XXXXonXX/XX/XXXX requesting a return/refund. 

The vendor refused saying that the package was delivered. 

I received an email from the the ebay vendor, XXXX, on XX/XX/XXXX @ XXXX that said, " Tracking shows that the package was delivered to you ''. 

On or about XX/XX/XXXX I filed a missing package claim with the USPS XXXX Service request # XXXX. I received an email from the USPS on XX/XX/XXXX @ XXXX acknowledging my inquire and that they would review and investigate the information I had provided. 

After not hearing anything from the USPS and not being able to contact anyone I filed another missing package report on XX/XX/2020 report. Service request # XXXX. 

On or about XX/XX/2020 I filed a dispute with USAA about the charge telling them I had not received the package. 

USAA denied my claim and rebilled me on XX/XX/XXXX. 

I contacted them on XX/XX/XXXX and was told that it was my problem with the USPS and that my claim will be denied. 

I was contacted by the USPS on XX/XX/XXXX via phone call and was advised the package was sent to the wrong USPS facility As I am not the one who chose how to ship the item, the vendor did. 

I contacted the USPS again today Today, XX/XX/XXXX, I contacted the USPS and they informed me that the package was delivered to XXXX XXXX  XXXX XXXX, XXXX '. My address is XXXX XXXX XXXX XXXX XXXX XXXX '. 

A supervisor from USAA told me that there is nothing they can do because the vendor would be out the money for the item and that my only action was to file a claim with the USPS for the money I'm out. 

I want USAA to adjust my account for the {$71.00} and admit their error.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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