23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 
However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. 
What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. 
XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 
As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt to correct my XXXX credit report and these XXXX continue to break the law. This is absurd. I am a true victim here! I have sent in FTC and Affidavit and 609 letter before and nothing was done. It has been 75 days, 75 days!!! The information located inside of my FTC report needs to be corrected NOW! I have my lawyer contacting the Attorney General 's office in reference to my credit report. I will sue if I do not get cooperation immediately. Its been 75 days already. How much longer should I suffer? I will be homeless if this is not corrected. Do you want to be the ones who could be the solution, but chose to continue to break the law and my rights? Correct my credit report, NOW!!! 

And before you XXXX ( Transunion, XXXX and XXXX ) try to stall and say I'm doing this for goods, or I did not authorize you to correct/investigate my report, THIS IS XXXX XXXX XXXX I have attached my social security card, proof of address and ID. Please do not try the XXXX tactics. Again, this is my last attempt! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REPORTING A BUSINESS CREDIT CARD thats not mines. 

ON XXXX and Equifax credit services, A BALANCE OF {$33000.00}. This card does not belong to me I have no association with the business and did not open the card. 

XXXX And Equifax continues to report this fraudulent account on my report even though Its not mines and I disputed it. 

Consumers dont seem to have any protection from these companies anymore
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill is legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving in accurate or unverified accounts unresolved the consumer financial protection bureau ( cfpb ) has recently filed a lawsuit Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK DELAWARE XXXX XXXX and XX/XX/2020 I was late due to COVID. I was laid off and had no income. I have since cleared this up and paid the balance off. Can they extend a curiosity and please remove the two 30 days late to current? 
Thank You XXXX
Product: Credit reporting or other personal consumer reports

I SENT NUMEROUS LETTER FOR THE CREDIT AGENCY TO PROVIDE ME WITH THE RESULTS OF THE INVESTIGATION AND THE NAME OF THE EMPLOYEE WHO DID IT THEY KEPT SAYING IT WAS VERIFIED.I NEED THIS REMOVED OFF MY ACCOUNT THEY DO NOT HAVE MY PROMISSION TO REPORT WITHOUT MY CONSENT. FROM XXXX, XXXX, TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and I have disputed the XXXX XXXXXXXX XXXX  on my credit report numerous times and it has yet to be removed. I filed a report on identitytheft.gov also and provided proof of me filing the report. All of the credit bureaus are refusing to remove the account from my credit reports. There was another account that was opened fraudulently around the same time, when filing my complaints I did them together at first and they did remove the XXXX XXXX that was a result of identity theft. I just am not underwing why they will not remove the XXXX XXXX XXXX I have done everything that I needed to do to prove that that is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

error transunion failed to report the right usage when I applied for a loan so of course that made my score off transunion is not reporting correct date that was set at the beginning of this year costing us the consumer loan deny and higher rates CFPb you guys have been the best since slice bread can I please get my credit corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get TransUnion XXXX and XXXX  to take fraudulent addresses off my credit report. I just received a copy of my XXXX credit report in the mail and it still shows 4 fraudulent addresses and my sons address. I have never lived in XXXX Tx., XXXX Tx , XXXX Tx . Or XXXX XXXX Tx. My sons address is XXXX XXXX XXXX, XXXX Tx. And I never lived there. These false addresses have been used by XXXX XXXX XXXX XXXX and I never received a bill from them and they never billed my XXXX insurance in 2016. The insurance company only pays out 1 year from date of service so they werent paid. I had no knowledge of this until I saw it on report. I also have 2 credit cards that have been paid off almost a month ago and they have not shown this on my report yet. Please help me get this fixed. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally complain about an issue I have encountered while attempting to make payments on my loan account with Systems & Service Technologies. Despite my good faith efforts to pay down my balance, I have been wrongfully prevented from making payments online, which has resulted in unnecessary accrual of additional interest and fees. 

This loan company that deliberately prevents a borrower from making payments on a past-due loan online to allow interest to accrue is engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ), which are illegal under federal and state laws in the XXXX. 

Potential Legal Violations XXXX. Consumer Financial Protection Act ( CFPA ) The Consumer Financial Protection Bureau ( CFPB ) enforces UDAAP regulations under the Dodd-Frank Act ( 12 U.S.C. 5531, 5536 ).

If a lender blocks payments to maximize interest accrual, this could be considered an abusive or unfair practice.

2. Truth in Lending Act ( TILA ) & Regulation Z TILA ( 15 U.S.C. 1601 et seq. ) requires lenders to provide clear disclosures on loan terms, including how payments are applied.

If the lender misrepresents payment policies or fails to apply payments fairly, they may be in violation.

3. Fair Debt Collection Practices Act ( FDCPA ) If a third-party debt collector is involved, refusing payments to increase interest could be considered unfair debt collection under the FDCPA ( 15 U.S.C. 1692 et seq. ). 
Example : A debt collector can not misrepresent the amount due or intentionally inflate the debt. 

XXXX. State Usury Laws Many states have usury laws that cap the amount of interest that can be charged. 
If preventing payments leads to interest exceeding legal limits, it could violate state laws. 

XXXX. Breach of XXXXontract If a borrower has a right to cure the default but the lender blocks payments, the borrower may have grounds for a breach of contract claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to cancel my membership with Experian several times, and they still have my account locked down unless I pay them {$20.00} to keep the membership. Im unable to access my credit report in any capacity. I just want the free access and theyre not honoring my request, and trying to keep me out of my account unless I pay them for a membership that Ive requested to be canceled numerous times. Its really upsetting and seems like its potentially illegal to not allow a consumer to even log in to their account without paying money for a service that the consumer has asked to cancel.
Product: Checking or savings account

I sent {$25.00} to my relative in XXXX as birthday present through PayPal on XX/XX/2022. My relative 's bank is XXXX XXXX in XXXX, XXXX, XXXX. I called PayPal because the money was not posted to my relative 's account. She contacted the bank and they claim they do not do business with PayPal. 
I asked PayPal to stop the payment and refund the {$25.00} to my account. PayPal is asking me to verify my tax status in order to keep conversation going. The funds were taken from my personal checking account. I do not know why PayPal continues to request my tax status information. 
Furthermore, PayPal claims the transaction was completed and they can not do anything about it. 
I think PayPal should let U.S. customers know what is required to successfully transfer funds to an individual abroad. They need to disclose any fees upfront. None of this information was given to me. I need help with recuperating a refund for {$25.00} that is sitting in limbo. XXXX XXXX XXXX, email : XXXX did not receive the money from her bank.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. I have contacted the banks associated with these erroneous accounts, and they have acknowledged the error. They have agreed to remove these accounts from their records to avoid legal action. I have also submitted the required FTC report to the Federal Trade Commission and have enclosed a copy for your reference. 
It is imperative that you conduct a thorough investigation into these discrepancies and rectify them immediately. 
Failure to do so may result in legal action being taken against your bureau for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Purchase home inXX/XX/XXXX. First lien for XXXX. Undisclosed party practiced fraud by foreclosing inXX/XX/XXXX using second lien for XXXX foreclosed on same day the second funded. I discovered this XXXX months ago based on my investigation. third party XXXX XXXX never recorded or notified me. Undisclosed third party threw me out of my home on XX/XX/XXXX. currently in appeals process, disregarded my Quiet title actin Lis pendins, I have solid proof I was not in arrears. I discovered my house was not in the XXXX featured in unenforceable assignment. I discovered they used second line placed it into XXXX holdings in XXXX in XX/XX/XXXX. I know that they lost the ability to foreclose based on time statute. I made all my payments to XXXX XXXX XXXX and can prove that once they sold paper to Nationstar, in XX/XX/XXXX I was doomed regardless of my proven performance making my payments. they deliberately failed to apply my payments. I can prove the payments were sent to investors to deliberately put me into a artificial arrears. they stole my personal property, office and car. I have become sad despondent. lost hope in the system I once coveted, trusted in Please give me hope that this means something. Thank you very much. XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a XXXX veteran and I have recently been able to make additional payments on my mortgage. My mortgage company is Nationstar LLC, subservicer for XXXX ( my bank ). I began making these payments on XX/XX/XXXX with a payment of {$500.00} on principal. Since then, I have been making {$1500.00} payments on the first of every month. The additional principal shows up in my payment activity, and is applied on the XXXX of that month. 

The first issue I had was when I made a payment on XX/XX/XXXX. I paid {$1500.00} toward principal using the same payment option I use every time. They have another option to pay, which I've used once, where you pretty much make another mortgage payment with interest and escrow included, plus additional principal. The payment gets split. I didn't like that option, so I haven't used it since. When I made the {$1500.00} payment in XXXX, they messed it up and applied it like the second option, instead of applying it only to principal. I noticed it on XX/XX/XXXX and sent a message. They had it corrected by the XXXX of XXXX. 

XX/XX/XXXX, I made a payment of {$1500.00} toward principal, which can be seen on my savings statement and was confirmed later in a phone call to XXXX. On the XXXX of XXXX, it wasn't in my payment activity, and wasn't applied to my mortgage. I sent a message to Nationstar on XX/XX/XXXX and explained that I had made a payment, and it is missing. On XX/XX/XXXX they sent a message back stating that additional research was needed as well as any supporting documentation related to my inquiry. 

On XX/XX/XXXX I sent them my savings statement showing that {$1500.00} had come out of my savings account and went to my mortgage account. XX/XX/XXXX they replied with a message stating that additional research was needed, and to wait XXXX days for a resolution letter. XX/XX/XXXX I received the resolution letter. The letter had only addressed the payment mistake in XXXX that was corrected on XX/XX/XXXX, not my missing payment. 

XX/XX/XXXX I sent them another message stating that they haven't addressed the correct issue, I have made a payment that is now missing, and that it didn't seem as though anyone actually looked at the proof I sent. ( Today ) XX/XX/XXXX I received the same standard give us XXXX days message, followed by another message with the same resolution letter I was given before about the already corrected XXXX payment. 

At this point, I am getting nowhere with Nationstar. It doesn't seem as though anyone is doing anything to help me. I have lost faith that if I keep making my additional payments they will go to my account. I planned on having my house paid off by XX/XX/XXXX, and saving over {$20000.00} in interest. I feel like Nationstar is going to miss that {$20000.00} and that they're making this difficult intentionally.
Product: Debt collection

My personal and financial information was compromised without my authorization. 
The family and educational rights and privacy act ( FERPA ) protects the confidentiality of students records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting or other personal consumer reports

Ive called and sent letters to Transunion, XXXX and XXXX. I counted how many times each company violated my privacy ( 15USC6801-6805 ). Transunion had XXXX, XXXX had XXXX, and XXXX had 401 violations. I sent them each a copy of my credit report with highlighted violations 3 weeks ago and havent heard back from any. They also violated 15USC1681c- ( a ) and 15USC1681 ( 5 ) which says they can not put anything adverse on my credit report except convicted crimes, by putting credit card utilization on my credit report thats adverse info. When they add hard credit checks or soft credit checks thats adverse info also. There should only be the name of the credit card and paid as agreed with nothing else. I also asked them on the phone and highlighted all the old non-mailable addresses and phone numbers to be removed.
Product: Debt collection

NCC Business Service for amount of {$4000.00}. I have sent NCC Business Services a debt validation on or about XX/XX/2017. NCC Business Service has not responded to my debt validation and has not removed them-self from my credit reports
Product: Debt collection

I received a voicemail on my cell phone on XX/XX/21 from a XXXX with Orion Capital Solutions. I called back and XXXX was not available to but the lady who answered said she could help me. She confirmed only my name and birthday before telling me that I have $ 700+ debt with XXXX and XXXX. I explained to her that I've never purchased anything from either of those companies but I have been the recent victim of identity theft and have my FTC Identity Theft report and police report available. She insisted that it doesn't matter because it must be someone I know because no one would make payments on a debt if using a stolen identity. I told her I don't know who it was, but I was a victim of identity theft and I can provide documentation. She continued to insist that " since its attached to your name and your social you're responsible for it no matter if it was you, someone you know, or identity theft ''. She was rude and very disrespectful. She gave me an email address that is not mine, she gave me a mans name associated with the email address that I did not know. I asked her if she had anything she could send me because this debt is not mine. She got rude then and kept interrupting. Eventually I told her either send me debt validation or stop calling me. 

About 5 minutes later I get a call from my EX mother-in-law saying they called her to ask where I am and told her I'm in trouble with the law. They GAVE HER my name, DOB, and last 4 of my SSN. As soon as I hung up with my mother in law my dad called me and said he had a voicemail from this place saying they are tracking me and need to know where I am. This is all AFTER I already spoke with them. I don't know who they are but they should not be giving my personal information out to anyone they find in a phone book. And they should be taking a FTC Identity Theft and Police Report seriously not telling me that because she thinks she knows how criminals work, that she's judge and jury on whether or not this was identity theft.