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

I am a Natural person and a consumer. Please do not close this complaint stating it is not me filing it. On XX/XX/2022 I mailed Transunion an FTC Identity Theft Report. Because I am a victim of Aggrevated Identity Theft. I pulled my credit report on XXXX XXXX and it was not reporting. It had been deleted. I pulled my consumer credit report on XXXX XXXX Transunion has reinserted the XXXX account. First off Transunion is in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account to my consumer reports that has not been validated. Transunion is in violation of 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was never notified in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's automated systems to request a credit report do not work. I failed both the web site and automated phone system in XXXX and XXXX because they say I am incorrectly answering the questions used to verify my identify. For example : they ask how much my car payment is when I do not have a car loan. I was concerned, at first, that someone had stolen my identity and used it to take out a car loan. I eventually found a phone number to call where I could speak to a human for 1/2 and hour until they were able to verify my identity and send me the report by mail. The person I spoke to said there is no way for him or me to contact technical support to find out why this keeps happening, and that I will have to do the verification by phone each year to get my report. 

I have a very uncomplicated credit history and am able to pass the identity verification on the other to credit reporting companies in seconds. 

If this happens to you, the Equifax customer service number to call is XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX I have so many inquiries and accounts that I know nothing about like XXXX and Transworld. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019
Product: Debt collection

I have never done business with National Credit Adjusters. I do not have a signed contract with National Credit Adjusters. I am not liable for this debt from XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX. On XX/XX/2018 I contacted National Credit Adjusters to validate the debt that they were claiming I owed. National Credit Adjusters sent a copy of another person 's files. When I pointed out their error they sent me a letter stating that they will validate my account and they still have not. This is my second request for National Credit Adjusters to provide me with an correct account validation. If an correct account validation can not be provided then National Credit Adjusters must remove their trade account from my credit reports at once.
Product: Mortgage

I have a mortgage with Amerisave. 
I set up automatic draft when I purchased the mortgage. Because they were slow to draft several months and I had called and complain about it, I decided to cancel the auto draft on XX/XX/2022. I remitted my payment by going online to their website. Then I canceled the auto draft on their website. The following day I call them and informed them I had canceled it. They assured me the auto draft would not occur. 3 days later I received an insufficient funds notice from my bank. 
XX/XX/2022 NSF FEE - ITEM RETURNED XXXX - XXXX XXXX XXXX XXXX Category ( {$29.00} I called Amerisave to complain on XX/XX/2022 and recieved assurance they would not resubmit a draft. 
On XX/XX/XXXX I received another insufficient funds notice from my bank XX/XX/2022 NSF FEE - ITEM RETURNED XXXX - XXXX XXXX XXXX XXXX Category ( {$29.00}. 
I called Amerisave to complain and was assured no other draft would be made. Today I received a bill from Amerisave for the insufficient funds. Considering I made the mortgage payment I feel this bill is unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX XXXX XXXX to ghost my credit from XXXXXXXX XXXX while theyre lawyers worked to get myself and XXXX XXXX out of a fraudulent timeshare, and XXXX and XXXX both cooperated but Experian , even after speaking with them over the phone, refused to remove the XXXX XXXX account from our credit report. Ive submitted multiple disputes with information regarding the litigation and how the timeshare is to be removed. I just tried submitting another dispute but Experian is not allowing the dispute to go through - our lawyers were successful in removing the timeshare account from our names, so the account is no longer our responsibility. We have been relieved from past due/future payments and fees. I need Experian to accept this because we need to buy a house for our little one to live in soon, and I am sick of battling Experian. I already went through a year of battling the timeshare company for being lying, manipulative, fraudulent crooks. Please correct/remove this account from Experian.
Product: Credit reporting or other personal consumer reports

Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.
Product: Credit reporting or other personal consumer reports

I am one of the poor soles that wasn't saved by XXXX XXXXXXXX XXXX handouts and have paid my student loans XXXX, XXXX, XXXX, XXXX, & XXXX off totaling around XXXX dollars. 

Mohela has not reported the correct information to the credit reporting agency and when I dispute the info they do nothing. They have reported that I am making small payments on these loans when they have been paid off since XXXX. 

As a XXXX XXXX XXXX  who does not receive these free gifts from XXXX XXXX, I am reliant on my credit score and need it to be accurate for my livelihood. 

Again, I didn't vote for XXXX XXXX. I just want my loans reported accurately.
Product: Credit reporting

Police report and supporting documentation were sent to all XXXX credit reporting bureaus regarding identity theft and fraud that has lead to derogatory information on my credit reports. I have since received a response from only Experian and Equifax credit reporting agencies notating refusal to cooperate. My attorney sent a letter demanding the cooperation of the XXXX credit reporting bureaus under Fair Credit Reporting Act ( FCRA ). I have also sent a notarized statement with color certified true copies of my Social Security card and drivers license, along with a copy of the letter from the attorney. All XXXX credit bureaus still continued to refuse to correct my information. However, after another FCRA complaint regarding XXXX violations of FCRA, XXXX finally corrected all the information. On the other hand, Trans-Union just now finally responded for the first time in many months explaining that, despite all my documentation, my correct information is either an error, a misrepresentation, or fraud. Under FCRA, identity theft victims have additional rights, and I may seek damages from violators. I am already suffering damages in the form of increased rent, increased insurance costs, and denial from continuing my college program ( financial aid ) until the inaccurate derogatory information is removed. This has already been going on for six months, and I have already made repeated requests from TransUnion to remove the inaccurate information. Given my small XXXX insurance income, these delays from TransUnion pose undue hardship to me. Further, regarding my expenses to resolve this issue, I may seek damages from the credit reporting bureaus in federal court in the form of punitive damages resulting from the undue hardship. I request assistance in removing the incorrect information and seeking punitive triple damages from the credit reporting bureaus.
Product: Debt collection

It has been about XXXX months since I have sent wells fargo a debt validation notice to which they have not responded with any of the items that I have requested in order for me to verify the debt. They continue to harm my reputation without providing evidence of such debt. This violates the fair debt collection practice act. I requested them to send me both 1. ) A copy of the contract bearing my signature. 2. ) All billing statements regarding the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 accounts 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 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to refinance my mortgage however, The mortgage company informed me that they were unable to pull my Experian credit report. Message : Consumer information did not match any records at Experian. Since then I have called multiple times to get the problem resolved. Although Experian automation system said that my credit file was locked, reps and supervisors say that their is no lock. Til this day, Companies are not able to pull my report and score. Experian has not been helpful in getting the problem fixed. Two other mortgage companies have attempted as well and they also are not able to pull Experian report. I contacted Experian on numerous occasions to inform them that their must be something wrong with their systems because I am getting the same results from other companies.
Product: Debt collection

XX/XX/2019 verbal agreement on recorded line through Capital 1 to take XXXX $ payments directly from my account ACH, until payment is completed. 

Payments stopped by Capital 1 at the end of XX/XX/2019. There was no XXXX payment take. I checked with XXXX XXXX  and this was not stopped by me but by the creditor. 

On XX/XX/2019 I was served with a complaint on behalf of Capital 1 with attorney XXXX XXXX. 

I responded with evidence from my bank showing the automatic withdraw checking from my account. It showed from XXXX to XXXX. It showed that there was payments being taken out and that there was no stoppage from me at all. 

We had a pre trial on XX/XX/2019 and it was offered to re start the payments or a settlement of {$1300.00} could be made We were made aware that if there is a contatrctual agreement that the payments would be added and taken off the account till the balance of XXXX. 

Capital 1 not only broke the agreement, but then is trying to sue us for the amount.
Product: Credit reporting

I was informed by XXXX after placing a request for XXXX through there online app that their was a freeze on my credit report. Upon receiving this information I spoke with 1 customer service rep ( who was rude ) and 2 supervisor 's in an attempt to correct an error in which on XXXX/XXXX/16 I had request for permanent removal of the freeze. No one assisted me in the error that Equifax caused. I continued to be informed that I had to pay another XXXX in order to get it removed after I already paid on XXXX/XXXX/16. The way in which they speak to the customer is an attempt to confuse them which is no professional nor ethical.
Product: Mortgage

The National Mortgage Settlement ( NMS ), RESPA enforced by Regulations X and Z, the California Homeowners Bill of Rights ( HOBR ) and other agreements govern how Bank of America is to conduct loss mitigation assistance and programs. 
At present, Bank of America has represented to me twice that a Department of Justice ( DOJ ) and XXXX ( XXXX ) Settlement and subsequent settlement offer were the result of a Request for Mortgage Assistance ( RMA ) borrower submitted application package rather than the proposed offer to settle for their misconduct during the loss mitigation process related to this home loan mortgage account. These representations were made on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
As recently as a XXXX XXXX, XXXX Bank of America has made the knowingly false representation to me and when I made requests for clarification all I got in response was a County Recorders Office Notice of Default and Election to Sell with a California Declaration recorded XXXX XXXX, XXXX publicly starting the foreclosure process. 
To date, I have not received any explanation of why Bank of America is representing the DOJ and XXXX Settlement offer as a borrower requested mortgage modification.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and15 USC 6805 Certificate indebtedness can not be reported in Credit report
Product: Student loan

Applied for Borrower Defense during XXXX XXXX. Still waiting on a response. It was already proved that my school defrauded students. 

The Department of Education has already found significant evidence of misconduct by the school. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of XXXX  secured jobs in their field of study within XXXX months of XXXX. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded XXXX  who found employment outside their field of study.
Product: Mortgage

On XX/XX/XXXX we received a Notice of Cancellation from XXXX for nonpayment of premiums originally by XX/XX/XXXX in the amount of {$1700.00} for our policy effective XX/XX/XXXX through XX/XX/XXXX. The new due date would be {$1700.00} if paid by XX/XX/XXXX and we would not have a lapse in coverage. I contacted the insurance department on XX/XX/XXXX and learned that our Insurance renewal due date was showing as XX/XX/XXXX in the system so even though the renewal bill was received timely by Flagstar it was not paid. 

I investigated further as to why they would have an incorrect date for our insurance and examined my Flagstar transaction history. I noticed a payment made to XXXX in the amount of {$1400.00} on XX/XX/XXXX for a policy number that did not appear to be ours. I then went and reviewed my XXXX account transaction history and confirmed that my premium in the amount of {$1300.00} had been paid at closing on XX/XX/XXXX and credited to our XXXX policy as of XX/XX/XXXX. No other payments were credited to the account from Flagstar. I contacted Flagstar customer service who then transferred me to the Insurance Department. 

The representative I spoke with advised that the bill paid in XX/XX/XXXX was for the prior owner of our property. She stated that the renewal bill had our address listed but contained the account number for the prior owner and had the names of the prior owners. Because the address matched our property address the payment was issued from our escrow account. She advised the check had our loan number written on the check however, XXXX has confirmed that the check did in fact have the prior owners loan number written on the check. XXXX has advised that Flagstar will need to contact them in regards to curing this error as the policy is active and they can not refund the amount to me or Flagstar or transfer the funds from their account into mine. 

We paid a {$3500.00} shortage on XX/XX/XXXX covering this payment made to XXXX that was not ours to pay. Our insurance premium was not timely renewed and caused an increase in our premium. I would like to know how this happened as it is very evident that there is a lack of controls with validating insurance renewals and properly updating accounts. Pursuant to RESPA 1024.17 ( k ) ( 1 ), If  the terms of any federally related mortgage loan require the borrower to make payments to an escrow account, the servicer must pay the disbursements in a timely manner, that is, on or before the deadline to avoid a penalty, as long as the borrower 's payment is not more than 30 days overdue. Flagstar has failed to timely pay our insurance renewal and has fraudulently taken funds from our escrow account and paid someone else 's premiums creating a deficiency and shortage in our escrow account that should not have occurred due to their failure to reconcile and accurately account for our escrow line items.
Product: Debt collection

I received the following letter from a collection company called Capio. I havent heard of them or the debt they refer to in the letter. I sent them the attached Debt Validation letter. I certified the letter in XXXX on XXXX and Capio never responded. The law requires them to respond to my debt validation request. Since they havent, Im formally requesting you contact Capio and have them send me a confirmation this debt has been removed from their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, I pay {$270.00} bi weekly to the XXXX XXXX XXXX but the company is continuing to report my payments as XXXX days late. My bi weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent letters to the XXXX credit bureaus telling them that there were items on my credit report that should not be there! There were multiple incorrect entries that I did not know about nor know how they were put on my report! It has been over XXXX days since I sent these letters and I have still not heard back from any bureau. According to section 611 a, failure to investigate items in XXXX days gives reason to immediately remove all the inaccurate items from my credit report. And I truly believe that after waiting this long they have not even started my investigations! I need these items to be removed immediately or I will have to file for litigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Experian. 

I have written letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. 

I requested that Experian provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Experian has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Experian continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.