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 

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX 

PRIVATE AND CONFIDENTIAL Subject : Second Request for Immediate Removal of Incorrect Delinquent Child Support from Credit Report. 

Dear Sir/Madam, I am writing to follow up on my previous request dated XX/XX/XXXX, XXXX, regarding the removal of the delinquent child support account ( OFFICE OF THE ATTY GEN ACC # XXXX ) from my credit report. I am pleased to inform you that both XXXX and XXXX have already complied and removed this account from their records. However, I have not yet received confirmation of the same action from your agency. 
As stated in my prior communications, recent federal court rulings have confirmed that delinquent child support obligations do not qualify as a " credit transaction '' under the Fair Credit Reporting Act ( FCRA ) amendments ( FACT Act ). Therefore, the reporting of this account violates the permissible purpose standards under the FCRA. 
Moreover, this is not a credit account, and the Office of the Attorney General is not mandated to report or update this account with credit bureaus monthly, as is required for traditional credit accounts. This further underscores why this account should not be included in my credit report. 
In addition to these points, the information being reported is completely inaccurate. This account has never had a late payment, and I have attached my payment record as evidence. The delinquency being reported is false, and this violation of the FCRA must be corrected immediately. 
Given that both XXXX and XXXX have already removed this account, I insist that you take similar action and promptly remove OFFICE OF THE ATTY GEN ACC # XXXX from my credit file. Please provide written confirmation of the removal. 
Should this matter not be resolved in a timely manner, I will be forced to consider legal or regulatory action. I trust you will handle this issue with the urgency and attention it deserves to ensure compliance with federal law. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it might concern I am writing to DISPUTE the following files that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or sufficiency in your docious adhering to the mandatorily adapted credit reporting industrys standards namely the CDIAs own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions of cognate information that might else better ensure integrity of maledictions made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit reporting companies outlining the inaccuracies, errors and violations on their reports and they are stonewalling and my efforts My legal rights under 15 U.S.C 1681 sections 602A, privacy rights has been violated.

15 U.S.C.1681 section 604 A, disclosures and of furnishing stipulations have been violated.

15 U.S.C.1681c ( a ) ( 5 ). Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been very irritating to work with. I spoke with XXXX XXXX  back in XXXX to remove a negative account. They charged it off back in 2016 for {$1900.00}. They decided to give me a second chance so they just cancelled it out. Spoke with Equifax and XXXX after to let them know. I sent the letter from XXXX XXXX  over to them both and neither have updated it. Equifax at least agreed to remove it where XXXX  just told me no. I also have 14 hard inquiries and should only have 4. 5 or 6 from the last week for a car. I have a car. Not sure why I have so many. The only ones I should have is for XXXX, XXXX XXXX, XXXX card, XXXX card and I believe a XXXX   XXXX, one. Not even close to 14. My credit went from over 700 to less than 650 with these issues. Id appreciate if it can be fixed. Working on my credit to buy a home in a year or two so I've  been careful not to do too much with my credit. I appreciate any help you guys can give me. Thank you.
Product: Debt collection

The company notified my job and brother and I do n't know how they got my information
Product: Student loan

Navient should have set my student loans to 0 % interest starting XX/XX/2020 until XX/XX/2020, to comply with the CARES Act. However, Navient did not set my loans to 0 % interest and interest is still accruing. Federal official website shows that my loans should be set at 0 % interest. I have attached information from Navient and Federal Student Aid to document. I tried calling Navient but was never able to get through and also sent them an e-mail to which I never got a response.
Product: Debt collection

USAA on X/X/17 is sending me a credit card statement attempting to collect a debt that was discharged in bankruptcy on X/XX/17. I have attached the statement they sent me and the discharge order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX.
Product: Prepaid card

I received an American Express Gift Card as a gift from my boss from work. The first time I tried to use the card ( at a XXXX 's ) only a portion of the purchase was applied to the card ( approximately {$8.00} ). I thought that was weird but did n't think anything of it. The next few times I tried to use the card - all charges kept being declined. Curious, I went on American Express 's website to see how much the balance was. To my surprise, the balance was XXXX. The stated beginning balance on the card was {$100.00}. I noticed charges that I did not make on this card they are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase ( XXXX ) w/ Bal Return & XXXX - Reference number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Purchase with XXXX - Reference number is XXXX
Product: Credit card or prepaid card

On XX/XX/2020. I did not authorize the charges to my account ; loan-depot stated that they need a credit card on file if I decide to use their loan services for an appraisal. immediately, I noticed two day later that they charged my account. I called and told them I did not agree to any appraisal and an appraisal was never done. I ask them to refund me my money on XX/XX/2020 I Also, called on XX/XX/2020 and XX/XX/2020. Also, I login to the site and send a message via their loan portal see attached section on the message History XX/XX/2020. Therefore, no services were rendered. I don't have an account with this company and I was just doing an inquiry with Loan-depot regarding a refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office. 

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

I sent the below letter to this company on XX/XX/18 asking the evidence that I allow them to pull my credit report but they never responded.

" Dear Sir/Madam, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX mortgage Made on : XX/XX/2018 Made with : XXXX, XXXX  and XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests to my above mailing address. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX  Credit Card For XXXX XXXX XXXX  on XX/XX/XXXX, for XXXX XXXX XXXX XXXX. We were forced to shut down in XX/XX/XXXX by the Government, due to the Covid-19 Pandemic. When the XXXX  was operating the office manager was responsible for monitoring payment monthly. If you review my credit history with this Credit Card, you can see that I never had any late payments before Covid-19 Pandemic. Due to the Covid- 19 pandemic we were not able to return to the office until XXXX. As soon as I saw there was a late payment, I paid the balance off completely in full. My credit is very important to me and if it wasn't for a global shut down there would be no late payments. I asked Chase to stop reporting late payments to my credit bureaus as this was not a typical situation and XXXX XXXX was strongly affected by Covid, as it was forced to shut down.We live in XXXX XXXX, which was and is the epicenter for Covid. Our business was forced to close for almost 7 months.I have XXXX XXXX XXXX and are prone to XXXX, there for I was scared to leave my house. I ask you to please help with removing the late payment from my credit asap, as it is strongly affecting us obtaining a mortgage. We want to purchase a home that is more isolating and more safe during such scary times, my credit score is solely being impacted by the late payment from the XXXX  Chase credit card, and is making it impossible to get approved for a mortgage. I appreciate your help with this matter Thank you XXXX XXXX SS # XXXX Chase XXXX CC # XXXX Open on XX/XX/XXXX
Product: Checking or savings account

This a continuation letter regarding an existing claim I have much more evidence please return my {$790.00} that your company unlawfully took from me I did not request XXXX why would I ask for XXXX if I never recived. Your response make it clear ur very unaware!!! And also admitting to the error by your company!!! So now let me explain 1. Who? What company? were you making payments too while withdrawing money from my bank account? 2.. So if you have no information regarding XXXX who was and why did you withdraw XXXX from my account? Two times a total of XXXX. Where is my money? So your telling me XXXX sold there company and somebody paid the suppose loan off XXXX and got an extra XXXX. Sold, charged off, paid correct? And now the company XXXX XXXX XXXX. Your criminal friends XXXX sold there company too. They still continue to contact my phone asking for money because chase bank gave the green light to do so by withdrawing money from my account because you got played by you thinking they were legitimate by there fake transactions you guys got fooled. And you took me down with you and used my money and destroyed my credit. ( And also, until this day on my chase account you have another name associated claiming to be me on my chase credit secure score page which is false and leads to fraud ) .. Are you going to tell me Im wrong? My middle name is XXXX ( XXXX ) ok.. Why does chase have me instead ( XXXX ) and states Im associated also as XXXX XXXX XXXX ? Are you going to defend that also? I asked you many times to delete that my middle name is not XXXX ( XXXX  ). And it still there? Also chase are you aware Im apart of the XXXX breach settlement? Yes I was a victim!! Unlike your company they have admitted and addressed there mistake. Im on you and will ease off until you return my funds that you and your partner in crime fake XXXX stole from {$790.00}. Thats why they sold there company because the corruption was starting to backfire.. i know XXXX XXXX is blindsided just how I was blindsided by chase bank
Product: Credit reporting or other personal consumer reports

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged payments on my credit report .Under federal law They had 30 days to complete the investigation, so it must be deleted from the report as soon as possible.
Product: Debt collection

Ive sent debt verification letter for collection. XX/XX/2020. This company lied said they did not receive letter in a recent complaint sent to CFPB. I have tracking info saying otherwise. I have not received anything and have not spoke with them at all.
Product: Mortgage

We have PMI on our loan. We put a large principal payment on it in XX/XX/2020. The PMI should have come off then. We then recast the loan and the PMI still did not come off. We are now in XXXX and UWM is telling me that it can take up to 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information may have been included in the Equifax security breach. Additionally, I have heard news ( although this may be rumor ) that their website for checking to see if you are affected ( https : //www.equifaxsecurity2017.com/XXXX ) is providing randomly generated answers. Either way, Equifax 's security is not up to standards and should be improved. Additionally, their service for monitoring they encourage you to sign up for includes forfeiting your write to sue, and this is ridiculous. If they were really looking out for customers this language would not be included.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. These account have resulted in fraudulent charge off appearing on my consumer FICO credit report. I've attached a copy of my consumer report of the fraudulent charge off in question by which shows the aforementioned fraudulent item. I do not recognize the aforementioned account on my consumer credit report maintained by you were opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Complaint XXXX XXXX  as proof from the US Federal Trade Commission that the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been trying to dispute negative accounts from my credit report, several times. And recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are my negative accounts : XXXX XXXX amount : {$560.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX- XXXX {$230.00} XXXX  XXXX {$110.00}
Product: Mortgage

NEW REZ XXXX DBA Shellpoint Mortgage ) has committed fraud in refusing to process our loan payoff. We paid off our loan on XX/XX/2021. They stated that processing would be completed within 30 days. I contacted Customer Service department on XX/XX/XXXX XXXX 30 days XXXX. XXXX XXXX said that the loan processing would take up to 90 days, not 30 days. He would not allow me to talk with the Loan Servicing department which had send the email with the assurance of 30 day processing. I was alarmed by this tactic and after many attempts to find out how to proceed, he finally gave me an email address to contact the Loan Processing department. I then sent email ( attached ) asking the the loan payoff be processed according to the agreed upon 30 days. I have not received any response to my request. NEW REZ is failing to completed processing our loan payoff and committing fraud in so doing. 

Further, note that XXXX XXXX provided me an unrecorded letter notarized on XX/XX/2021 showing satisfaction of security instrument. NEW REZ is committing fraud in failing to process our loan payoff.
Product: Credit reporting or other personal consumer reports

Hello, Eqifax, XXXX and XXXX reported accounts should be removed from my credit report according to FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) -B. Please review the recorded disputes and remove per law.
Product: Mortgage

Original forbearance Date XX/XX/XXXX with XXXX XXXX XXXX, months passed when notified I had no insurance on home, I had to look for my own insurance around XX/XX/XXXX. I no notification from XXXX XXXX XXXX that they were not financing my note any longer. Around this time frame I received a letterform Fay Financing Service and they were taking over my note. XX/XX/XXXX I received a phone call from Fay Servicing stating the I had to pay what I was behind around {$3500.00} and I had no other option but to pay what I was behind. I asked if any other options was told NO. At this point I asked why was Fay taking over my note and was not giving an answer. I asked if I had a single point of contact and was given someone else. At this time my XXXX asked if I wanted to check if there was other options, she checked and told me she was sending loss mitigation paperwork, fill out and send back to her. This process went on for 3 months or longer, telling me that they did not have complete paperwork, needed more paperwork, etc., Got answer that only option was pay what was behind for re-instatement of note, I have asked for re-instatement extensions, which I have gotten, but I wanted a repayment plan for what was behind. I was giving Foreclosure paperwork in XX/XX/XXXX, but no date. I had an income change and was given more paperwork for loss mitigation and retry, which I am waiting for an answer. I will have to ask for another re-instatement extension. My biggest question why is this not put at end of note since we are in a Covid 19 crisis. If I had know this I would have never asked for a Forbearance on my mortgage note. I greatly appreciate your help not to lose my home.
Product: Student loan

This XXXX loan was specifically acquired to attend XXXX  XXXX XXXX  on XX/XX/year>. I can no longer make payments on it due to unforeseen nation wide industry unemployment. In this case I have asked and requested American Education Services many times for some sort of help in the form of forbearance or temporary pause but have not received any help whatsoever. 

Most recently, from the borrowers defense approval, my federal loans have been completely discharged and credit repaired due to XXXX  committed my XXXX and XXXX  XXXX XXXX, found guilty in many cases and subsequently closed down. I submitted a school misconduct discharge application for my XXXX  private loans and those to have also been discharge and credit repaired. I expect the same for this loan. 

In this case of all the legal precedence against The XXXX XXXX, the federal Borrowers Defense approval, my XXXX  private loan discharge along with the provided FTC holder rule, this loan acquired for these found criminal institutions ( including private ) are ill gotten due to seller misconduct. 

As to date, American Education Services has currently defaulted my loan, which continues to damage my credit, causing undue harm while I'm unemployed, while I await CFPB responses from them addressing the discharge.