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

I have called Transunion many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. Transunion 's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted Transunion to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from Transunion my bankruptcy case number, also. I am very frustrated with Transunion, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my Transunion credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, XXXX XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX has removed my bankruptcy chapter XXXX it was dismissed. After a chapter XXXX has been dismissed it should only be on your credit report for 7 years. That is why XXXX and XXXX removed it. I have written to the address that they have given me on my credit report and it came back stating that they do not send out your information. I have Frozen my XXXX report which is a third party credit reporting company so I'm told on my credit report. So they tell me on my credit report to refer to the address on it and in other words they tell me that XXXX provided this to them I'm confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX security practices led to my personal identifying information being leaked, putting me at risk for identity theft.
Product: Debt collection

Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report an account from XXXX as open and derogatory. They were listed and included on the creditor XXXX at the time of filing which was XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

The following is a list of inquiries that were authorized without my consent, using my personal information to open accounts fraudulently. The inquiries in question are - 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
Product: Mortgage

Mortgage company : Freedom Mortgage Issue : Mortgage company refuse to change the property address that I requested, and refuse to accept the insurance that I purchased. 


In XX/XX/2023, we changed our property address thru department of planning and permitting. And we informed our mortgage company when we purchased the new insurance. However, the mortgage company refuse to change the address and use it as a reason to deny the insurance that I purchased. They are asking me to submit document to prove my address change is legit. And I submitted a copy of the tax information that I found from city 's website, as well as department of planning and permitting 's record that shows the address changed has been approved. Even with all this information submitted, this mortgage company still deny my request. 

Property address associated with a certain lot is a public information that everyone can find them on the city 's website. Freedom mortgage company refuse to verify this information themself and keep stalling the new insurance. The insurance that freedom mortgage company purchased is three times the price that I paid. This is a very unethical and nonsense to ask loanee to do their job, and adding unnecessary cost to the loanee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender reported negative information during a forbearance. We went through bankruptcy while on forbearance, however they keep reporting red flags and discharged through the bankruptcy court. But we still have the loan and we have been on forbearance since XX/XX/2020. Filed bankruptcy in XXXX of 2020, discharged in XXXX of 2020. The lender keeps saying it was written off. They didnt let us submit a reaffirmation because they never sent in the proper paper to our lawyer. We had to get discharged with out the lender. Now we have been in forbearance up until now. Can they report negative information on my credit report?
Product: Debt collection

I dispute this alleged medical debt for 2 reasons : 1It is a direct HIPAA violation which is a failure to comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. ... Failure to implement safeguards to ensure the confidentiality of a given patient. 

2 Under the Fair Debt Collections Practices Act ( FDCPA XXXX. I have the right to request the validation of the debt I owe you. So please provide me with the original creditor documentation/records. And a sworn affidavit from the person who handled these records. As well as proof of release of any part my medical records to you ( a third party ). 

If you do complete the above tasks... I will be taking legal action against you ( Tele Recovery of Louisana and XXXX XXXX XXXX XXXX for releasing part of my personal medical records.. .without my prior authorization. 

In summary.. .it would be in your best interest to delete this debt on all 3 credit reporting agencies or face legal ramifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX AV XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$420.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} ; XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX   XXXX XXXX XXXX  XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX  XXXX XXXX XXXX   XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX  XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I HAVE REQUESTED FOR ALL ACCOUNTS THAT I DISPUTE THATS FRAUDULENT BE REMOVED FROM MY CREDIT IMMEDIATELY
Product: Credit card or prepaid card

I returned an item to XXXX. I have a receipt that shows the item was returned and I was give a credit for the return. The credit card company states I did not return the item and continues to charge me for monthly payments. I have called the bank and XXXX and have had no success in resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported these inaccuracies months ago they were proven as not mines but still somehow came back onto my credit report. I am tired of my rights being violated they are reporting tradelines that do not belong to me on my report
Product: Credit card

I am disputing the collection account with XXXX XXXXXXXX account number XXXX dated XX/XX/scrub>XXXX XXXX with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous.The Experian and XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}
Product: Student loan

I submitted the Public Service Loan Forgivness application in XX/XX/XXXX. In XXXX of XXXX I received an electronic letter stating that my employer had failed to include my termination date or indicate that I was still employed on the application. In reviewing the application, the check box for " Still Employed '' was clearly marked. I called the PSFL hotline with Fed Loan Servicing - after approximately 45 minutes of hold time, a representative answered and stated she would have to connected me with a PSFL specialists. This required an additional 1 1/2 hour hold time. Once answered, the representative confirmed the said missing piece of information was in fact on the original form and that she would request a re-review. On XX/XX/XXXX I received a second letter from Fed Load servicing stating that my employer failed to include their Federal EIN number on the application. Of course, this piece of information is clearly in the appropriate field on the form ( section 3 line 2 ). I again called Fed Loan, held for 38 minutes and again was told that I would be transfered to a PSFL specialist. Hold time so far 46 minutes with no connection to a representative. It is beginning to appear that Fed Loan Servicing is again intentionnally creating a hardship/delay for borrowers to access this program by creating erroneous reasons to prolong the application process and having extended hold times to speak with their representatives to potentially deter attempts to resolve.
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 XXXXXXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

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 

Thank you for your prompt attention to this matter. 

Sincerely
Product: Consumer Loan

I had a high interest XXXX loan for years with a high balance. A couple of years ago Springleaf Financial took over the loan. I finally paid the loan in full XX/XX/2015. I checked the statements for a couple of months to make sure the balance was truly XXXX. Since I did n't use the account I did not keep checking the statements after that. Because I always have a balance in the thousands I never realized I was being accessed an annual {$50.00} fee on top of the high interest rates. So in XX/XX/XXXX they accessed an annual {$50.00} fee I did n't look at my statements because I expected the balance to still be XXXX. When it did n't get paid they reported it as " over 30 '' to all XXXX credit bureaus. 

I did n't know there was an issue until I tried to finance a car and my credit score had dropped XXXX points! I called that day and paid the balance and closed the account. I then called customer service and at their urging I wrote to their complaint department and when that did n't work I even tried writing to the CEO of Springleaf and all rejected my requests to have the harmful information removed from my record. 

I understand that legally they reported accurate information. However, it was a ridiculous honest mistake and I feel they should give a long term client the benefit of the doubt.
Product: Debt collection

I have recently discovered that other credit bureaus have already removed this account from their records as they did not provide enough information for me to verify this debt. I was the victim in this situation, and I am perplexed as to why your bureau is not complying with the law, especially when other bureaus have followed suit by addressing and correcting these inaccuracies. Given the lack of information provided to verify this debt, I request that you cease reporting this account immediately. Without proper validation and information, continuing to report this account is not only inaccurate but also incomplete and unverifiable. I want to emphasize that I was the victim of this error, and I am very frustrated by the apparent disregard for compliance with the law exhibited by your bureau. Other bureaus have successfully rectified similar issues, and I expect your bureau to do the same. XXXX  XXXX Date opened : XX/XX/2019 XXXX : {$490000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.SC. 1681 SECTION 602 A. States I have right to privacy 15 U.S.C 1681 SECTION A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Without The prior consent of the consumer given direclty to the debt collector or the express permission of a count of competent jursidiction, a debt collector may not commincate with a consumer in connection with the collection of any debt.
Product: Mortgage

I have a private loan to finance a renovation on an investment property -- FCI is the servicer for this loan. On XX/XX/22, as part of a transaction for a 1031 exchange, I sent in a wire transfer of {$31000.00} to FCI, with instructions to apply this towards the principal of the loan. Instead, they applied this as a series of interest-only prepayments. I have called in numerous times to request that this be corrected, and that the payment be correctly applied towards the principal. Each time, I have been put off and told that the payment servicing department will handle this, but as of XX/XX/22, this is still not corrected. Now that it is the first of a new month, I am concerned that the automatic ACH debits set up to pay for this loan are going to be adversely affected, causing me further inconvenience and potentially increasing the amount I end up paying on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX allowed someone to access my credit reports with Equifax and XXXX earlier this year. I never authorized it and have no idea who they gave my personal information to. Now I 've had identity thieves steal credit cards and insert addresses into my report so they can use my accounts history for their own gain. <P/>It is likely that XXXX is the source that has allowed these criminals to act using my credentials. <P/>XXXX called me about the fraud and said they would remove the inquiries from both credit reports. They never did. I asked XXXX and they confirmed, so they removed them quickly. Equifax failed to properly investigate my dispute and it remains, hurting my credit score. <P/>I 'm angered that XXXX is so cavalier about endangering my critical financial information and that it ca n't even be bothered to remove the inquiry from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The aformentioned credit reporting agencies received information regarding identity theft related to the account they are reporting, XXXX XXXX . XXXX, Equifax and XXXX received the identity theft report on XX/XX/XXXX, along with my identifying credentials ( social security card/State ID ). Pursuant to FCRA 15USC 1681c-2 ( a ) these agencies are in violation as they have not blocked this information from my credit report and have continued reporting the information. Additionally, they have not provided me with any documentation as to further investigation into this matter and the dispute has been deemed as resolved on both Equifax and XXXX dispute centers located on their websites. I have filed additional complaints regarding the way this situation has been handled with my state 's Attorney General 's office. I am requesting all documentation regarding the method of verification, all information provided by the furnisher regarding this account as I need to ensure that a thorough investigation has been performed pursuant to my rights under FCRA, section 611. As of yesterday, I was notified by credit monitoring that Equifax is allowing manipulation of the payment history on this account. According to their own records, this account was closed and sold in XXXX. Attached, you will see where the payment history has been changed to reflect payments in XXXX and in XXXX, this gross misrepresentation on the account is displaying late payments were made between XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I made a payment on my Wells Fargo Auto Loan with my debit card ending XXXX. The 30-Day late item on my Wells Fargo account [ XXXX ] was a result of XXXX XXXX  rejecting the transaction, without my consent. The bounced payment was due to a third-party mistake and not due to my financial status, as shown in my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Signed up for the MyEquifax.com using their web page. After entering everything it said they needed to mail me a verification number in the US Mail and to follow the instructions sent along with the number to complete sign-up. Received the letter on XX/XX/2020. I immediately followed the instructions to enter the number on their web page. When complete, this time it said I needed to call XXXX & speak to a representative. I called and was told I would need to mail or fax drivers license, phone bills, rent receipts, etc. While I was on the phone, I received email that said I was all signed up and simply needed to log in. When I tried to login it told me my password was incorrect and I could change it. They would email me a link. When I received the email I went to the change password web page and followed the steps and it said my password was changed. I went back and tried to login using the new password. It said it was wrong again and I needed to call the XXXX number again. I called and now the machine just reports I will need to fax or mail the above information and will not let me talk to anyone who speaks english, and just hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1. XXXX XXXXXXXX # XXXX 2.XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  # XXXX