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

THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX XXXXXXXX XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to anybody. & quot ; So if that & XXXX XXXX  ; s the case. Per the FCRA 623 ( a ) ( 5 ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone & XXXX XXXX XXXX s credit report.

Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

They also violated my rights numerous times.

DELETE Bankruptcy Account Number : [ XXXX XXXX  ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.
Product: Checking or savings account

The situation is alarming. Yesterday, I was unable to log in to my online banking for Bank of America. It stated that my account was locked for security reasons. Upon calling, I was informed that they had closed my account, citing that 'Bank of America can close anyone 's account at any time and without notice, ' thus terminating our business relationship. While I was not particularly concerned about banking with them, I urgently needed access to my funds. However, they informed me that they would withhold my funds until XX/XX/year>, and 10 business days thereafter before issuing a check by mail. I insisted on expedited processing within 1-3 business days, as I believe that no bank can hold individuals ' funds without a court order. Legally, they are not entitled to do so. Additionally, I want to address the discriminatory practices of this bank, which has a reputation for targeting minorities and exhibiting XXXX XXXX
Product: Debt collection

Radius is apparently buying up medical debts that Americans have either already paid and/or debts that have been marked by credit bureaus as being mistakes, because they are doing so via their collection demand to me ( Reference Number XXXX ). 

I previously submitted several CFPB complaints about this same issue including via CFPB complaint number XXXX when XXXX XXXX XXXX was baselessly attempting to collect this debt from me. XXXX previously also responded via CFPB complaint number XXXX that the improper collection attempt was removed from my account. These matters were resolved over a year ago, yet Radius has now popped into the picture illegally pursuing an amount that I do not even owe. 

Both XXXX and XXXX XXXX XXXX specifically acknowledged that this debt was erroneous. However, they apparently ended up selling this illegal debt to Radius who is now illegally attempting to collect it from me. Either Radius knows it can not actually legally collect these amounts, but buys up these debts hoping it can do so, or XXXX XXXX XXXX  lied to the CFPB stating that the amounts were no longer going to be collected, but then sold the debt to Radius.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SUBMITTING A COMPLIANT REGARDING MY XXXX XXXX  XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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

My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX  XXXX 2 ) XXXX Child Support XXXX {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) Dept of ED/XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX   {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX   XXXX XXXX {$470.00}
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account names are XXXX XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have rights to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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 seven years
Product: Credit reporting

I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. Equifax and XXXX refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries and inaccurate information shown on my personal credit report. I listed below the items which UNKNOWN to me. Since I did not authorize to obtain my credit report, I demand that these inquiries and inaccurate information be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions
Product: Mortgage

My mortgage loan with Caliber was transferred on XX/XX/22 to XXXX ( XXXX XXXX ) with only XXXX weeks notice. I am currently receiving assistance with 18 months of forward payments from the XXXX program which they are aware of. Furthermore, I do believe this is the reason behind being transferred to their affiliate company. However, I did reach out to XXXX and advised them of the transfer and provided them the letter received. My loan # XXXX remained the same. My payments are supposed to be trans to XXXX for up to 60 days received to Caliber. The payment from XXXX for XX/XX/22 has yet to be sent to XXXX causing me to fall delinquent. I am very concerned as this is ultimately in my opinion the reason they transferred the mortgage., to cause more issues. I have heard XXXX is their affiliate company who handles delinquent mortgages. XXXX payment was sent out on XX/XX/22 and has yet to be posted or trans from Caliber and XXXX payment will be sent out on XX/XX/22. No explanation from XXXX as to why or where. No information pertaining to HAF assistance was related to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a copy of my credit report for tax purposes. The company immediately dropped my credit score by XXXX points. I called and was told that nobody except me made an inquiry. I was then told that they had no evidence of my inquiry. I then went to the website and was charged {$27.00} for services I had not requested. These actions are negatively effecting my financial transactions. I know that requesting a copy of a credit report is not supposed to reflect a credit score. It did. No one person I spoke with could respond to my question. What recourse do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert that someone attempted to apply for XXXX XXXX credit using my information. 

I called and notified XXXX XXXX that the application was fraudulent and wasn't me. 

On XX/XX/2021, I also filed a complaint with the Consumer Financial Protection Bureau. Complaint ID is XXXX. 

XXXX  XXXX opened a case : XXXX to investigate the complaint. CFPB case number : XXXX. In the meantime, I placed a fraud alert with all three credit bureaus. 

However, on XX/XX/2021, another hard inquiry was placed by XXXX XXXX for a credit card. XXXX XXXX failed to regard the fraud alert I placed with all three credit bureaus. I was never notified by XXXX XXXX nor did I authorize the first or second application attempt. Once again, this hard inquiry is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out over 60 days ago. I have not been notified as a consumer I feel like these clowns taking advantage of me.
Product: Mortgage

I have a XXXX mortgage and my servicer is Specialized Loan Servicing in XXXX. I had requested a XXXX month XXXX/financial related forbearance for XXXX payments, XXXX through XXXX of XXXX and I advised the servicer I would be able to make full payments again in XXXX of XXXX. I had contacted XXXX XXXX prior to my request to see what options were available and according to XXXX XXXX I was entitled to a maximum of XXXX months of forbearance and that I could also have these XXXX payments simply deferred until the lien was either refinanced or the home was sold without a formal Loan Modification. I made it clear I would make every attempt to repay these XXXX payments much sooner than this scenario. 

I attempted to make a full payment as promised on Monday XX/XX/2022 and I always use the online services of the servicers website. Every available payment option has been blocked from me to use without any explanation and I have repeatedly called the numbers I have to reach this servicer and I can never be connected through to the supposed representative assigned to my account. Its unacceptable that even after faxing my requests and copies of correspondence sent to this servicer previously I get no answers. 

I will file chapter XXXX bankruptcy as an option if I have to, to send this XXXX loan servicer a message, and Ill get a XXXX month plan to repay the past due payments which will amount to approximately XXXX a month plus a normal monthly mortgage payment. 

This servicer is intentionally ignoring XXXX investor servicing guidelines and Im not your typical mortgagor as I am a XXXX XXXX XXXX man with a prior XXXX year career as a mortgage servicing operations manager and Loss Mitigation Manager for some of the biggest banks and mortgage companies in the business. 

It is unacceptable that XXXX will not simply defer these payments pursuant to XXXX XXXX servicing guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX  and XXXX on XX/XX/2018 to dispute an inquiry on my personal credit report from Capital One on XX/XX/2018, nothing of any merit was ever sent to me except a letter stating to contact Capital One about my issue of inaccurate and misleading information on my credit report that is affecting my ability to obtain credit. 

I wrote Capital One on XX/XX/2018 and received a generic response explaining the types of inquiries. I wrote Capital One a second time on XX/XX/2018 and received back an identical response that did not satisfy the request for actual documentation of a credit application as required under CFR 1002.12 and 15 USC section 94 as it applies to the FCRA. 

The inquiry from Capital One whom does not have any proof of Permissible Purpose and has not provided any reasonable documentation to XXXX   or XXXX  should be deleted immediately because it is inaccurate and misleading.
Product: Mortgage

On XX/XX/2018 we closed on XXXX XXXX XXXX XXXX XXXX KS XXXX which paid off the mortgage to Ditech Financial LLC account # XXXX. However, Ditech never refunded the escrow amount of {$440.00}. I have sent emailsXX/XX/2018 and XX/XX/208 and made phone calls XX/XX/2018,XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 with a promise the amount would be refunded but it never has been refunded. Ditech Financial LLC., XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I paid off a secured credit card that i uptain during XXXX XXXX its reporting on XXXX as secured account, closes paid off in full its reporting on XXXX and XXXX XXXX as revolving account, paying as agreed its hurting my report and at this point as a sign of good faith i would like it to be removed i owe nothing on the account it was a secured card in which i deposited my own money but as a result of XXXX XXXX fell behind a lost my secured down payment
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and which someone got an account under my name with Acima. I already mailed them the information in which they never got back with me on. I sent them my police report and identity theft report. They continue to email me one email was around XXXX which is a inconvenient time for which is a violation of my rights as a federally protected consumer under title 15 chapter 41.
Product: Checking or savings account

PNC has made a change that does not allow it to link with XXXX, my accounting app for my business. This is horribly inconvenient and I will need to drop PNC if this continues. 

Furthermore, I have personal banking with PNC. 

The fact that I can't seamlessly transfer funds from my business checking to my personal checking ( virtual wallet ) AT THE SAME BANK is truly basic banking 101 in the year XX/XX/2020. I have to write my husband a CHECK to our personal account to transfer funds. This is absurd. If this isn't fixed I'll also have to switch away from PNC. 

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

To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is DEPT OF ED/XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> **Federal Trade Commission*XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Complaint Against TransUnion for FCRA Violations** To Whom It May Concern, I am writing to formally lodge a complaint against TransUnion for clear violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging that TransUnion has engaged in deceptive practices by re-reporting accounts that I previously disputed and were subsequently deleted from my credit report. 

**Details of My Case : ** 1. **Reinsertion of Deleted Accounts** : The FCRA stipulates that any account that has been disputed and found to be inaccurate must not be reinserted into the credit report-XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that was previously disputed, removed from my report. This action violates the reinsertion law under the FCRA. 

2. **Investigation Results** : According to your investigation results XXXX XXXX Number : XXXX ), the disputed item was initially not verified as accurate, and therefore, it was deleted. However, TransUnion later added this account back to my credit report without valid justification, demonstrating a clear disregard for the FCRA. 

3. **Pattern of Deceptive Practices** : This behavior is not an isolated incident. It mirrors actions taken against XXXX, which was ordered to pay {$15.00} XXXX for improper investigations of credit reporting errors. XXXX 's failures to block identity theft-related information and to prevent previously deleted accounts from reappearing are similarly reflected in TransUnion 's practices. 

4. **Impact on Consumers** : The repercussions of these actions are severe. My credit score has been negatively impacted, resulting in a decrease of XXXX points since XX/XX/year>. This not only affects my creditworthiness but also my ability to secure loans and other financial opportunities. 

**Request for Action : ** I urge the FTC to take immediate action against TransUnion for these violations. It is imperative that regulatory bodies enforce the FCRA to protect consumers from deceptive practices that undermine their financial stability and rights. 

I request an investigation into TransUnion 's practices and demand appropriate penalties to deter further violations. Additionally, I seek restitution for the damages caused by these inaccurate credit reporting practices. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,
Product: Credit card

CB INDIGOXXXX credit card {$300.00} credit limit-Highest balance {$76.00}. opened XXXX XXXX. Closed-updated XX/XX/year>. Contacted them to ask them about the account. Gave them my information they could not find me in there system. Told me to dispute the info to get it remove.