23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX during the pandamic we fell into a hardship and fell behind on or mtg. we asked for a loan modification and they lked us to believe that we were in one but we wasnt. so we fell behind again and the same thing happened in XXXX we asked for a loan modification to lower our payments because I was out of work but istead they gave us something else and our payments increased and we couldnt afford to keep them up because our house was damaged by a storm on XXXX, XXXX and we filed an insurance claim and the claim has changed so many hands and has not been completed and it has been hit by storms again. its been a year and 2 months on this claim and its still not resolved so we been trying to fix our home and make our mortgage now they are trying to foreclose on our home. the storms have almost destroyed our foundation and there is over {$300000.00} worth of insurance coverage on the home and its going to ruins, my family desperately need help
Product: Debt collection

THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THAT'S " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT. 

ORIGINAL CREDITOR : NAVY FEDERAL CREDIT UNION ACCOUNT # XXXX SOLD TO : XXXX XXXX XXXX XXXX XXXX {$2900.00}
Product: Debt collection

Due to the Corona Virus, I had to let my credit cards go. I have been struggling financially and mentally during this time. The phones calls from XXXX ( XXXX XXXX XXXX, is Citi Bank. They have called 10 times before I blocked them, starting from the date of XX/XX/2020, and called 14 times leaving a voicemail each time. The date Im filing this compliant is, XX/XX/2020. 
Thank you for any assistance you can grant.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some inquiries that should not have been reported because I never authorized them.
Product: Debt collection

I consumer : XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance as the sum of all charges in a consumer credit transaction. The finance charge does not involve cash ( bank card payment of XXXX ), but XXXX XXXX XXXX took cash ( bank card payment of XXXX ). The finance charge is supposed to include insurance, but we were repeatedly asked for insurance information by XXXX XXXX and told to call to notify and give verification that insurance was placed on vehicle. So separate Auto insurance was purchased. XXXX XXXX XXXX violated The Truth in Lending Act aka Regulation Z by attempting to decieve Consumers ( : XXXX and : XXXX ) into thinking they are debtors in opposition to 15 usc 1602 . During consumer credit transaction Adverse Actions were taken against consumers by Santander Consumer USA and XXXX XXXX XXXX ; threatening to not complete consumer credit transaction if consumers/creditors insisted on exercising his rights by signing WITHOUT PREJUDICE ALL RIGHTS RESERVED UCC XXXX ny XXXX XXXX of XXXX XXXX XXXX XXXX This action was prejudicial and in violation of 18 usc 241, 242 conspiracy against rights. During Consumer Credit Transaction it was demonstrated through verifiable State Department signed documents of entitlement to Full Faith and Credit, XXXX XXXX XXXX and Santander persisted on requesting social security number contrary to 15 usc 1681. During the consumer credit transaction not one time was the Right to Rescind within 72 hours given. The disclosure on how to Rescind the XXXX XXXX XXXX and how to fill out the forms were not reviewed by competent sales personnel in violation of 15 usc 1635. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX along with their Co-conspirator Santander Consumer USA located at XXXX XXXX XXXX XXXX TX XXXX did conspire to deprive Consumers/Creditors : XXXX and : XXXX XXXX entitled to full faith and credit their rights in violation of 42 usc 1983.
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

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

XXXX XXXX XXXX Total Card Account # : XXXX XXXX XXXX XXXX In reviewing my payments and credit report , I discovered Total Card , Inc. ( XXXX XXXX that is now XXXX XXXX XXXX ) is incorrectly showing reports of late payments in the following months : XXXX AND XX/XX/XXXX. 

Back in XXXX, I switched over and applied for automatic payments with their system at the time ( vs my bank ), but they had NOT taken effect unknowingly due to some system upgrade or glitch they had with taking automatic payments on a long-term recurring basis. They admitted to this fact at the time. I had since corrected this with XXXX XXXX at the time, got refunded fees, and have since paid automatic payments through my bank on time. However, this information is still incorrectly reporting on my credit report. 

Ive spoken with the bank about this in the past on a plethora of cases. I've written, called, faxed, and disputed with EACH credit reporting agency several times over the past few years but to no avail. 

In my last attempt, XX/XX/XXXX, I was misled in believing another " review '' was going to be done. I then received a letter that claimed they reviewed the very same day, but they provided no details into what was checked or what research was done. The letter was dated the same day as my follow-up call. 

Based on my last conversations with Total Card, they confirmed that they are NOT doing a real investigation. They are only looking at what the system says ( which is wrong ), and simply passing that along as their " review '' to the credit bureaus. They are NOT interested in reviewing the accuracy of their own system or happenings ta the time of my dispute. 

As a very last straw for me, per my conversation on XX/XX/XXXX, their supervisor ( " XXXX '', Badge ID XXXX ), stated they looked at my statements from XXXX and then just submits that as a review. In the same breath, when I ask him for my own statements to counter their review, he states they can not guarantee to provide this information and even attempts to tell me that if they do, it will cost me {$3.00} per statement to provide. He is telling I will have to pay for statements, that they MAY or MAY NOT provide, that is also INCORRECT, yet was claimed this is the very information they used for their " review ''. 

I have tried to diligently work with the credit servicer, but I now strongly believe they are not taking my issue seriously, and giving me the runaround. These incorrect strikes on my credit report are hindering me from getting the financing/rates I should. This is brought up every time I apply for financing or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX 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 XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires
Product: Credit card or prepaid card

I am corresponding about my XXXX XXXX XXXX, which is a credit account/card administered by the Army and Air Force Exchange Service ( AAFES ). I admittedly fell behind on my bill back in XXXX as I could not find work after retiring from the military after 21 years of service. AAFES began to garnish my military retiree annuity to pay the bill in XXXX. Garnishments were taken in XXXX and XXXX then they stopped. In XX/XX/XXXX, I received a letter from AAFES advising me that the garnishment would start, and specifically states " the amount of the indebtedness is {$11000.00}. I began corresponding with AAFES in XXXX about the debt as I had repaid what I owed, however my annuity was still being garnished. In addition to that, AAFES had garnished my income tax refunds. AAFES directed me to contact " XXXX '' their debt collection agency. I have never been informed in writing that AAFES has secured their services to collect the debt. Additionally, I am unsure of what role XXXX is playing as AAFES has the order in to garnish my retiree pay and AAFES has been garnishing my income tax returns, not XXXX. I sent an inquiry to XXXX and it took two separate requests ( longer than 30 days ) to get a response. In XX/XX/XXXX, I sent a letter to XXXX, courtesy copying AAFES about the balance on the debt. To date, XXXX nor AAFES has responded. In the letter which I will attach, I provided a letter from the XXXX XXXX and XXXX XXXX ( XXXX ) my pay agent, as well as copies of my retiree annuity statements showing the deductions. I demonstrated how the debt had already been repaid, in fact overpaid. I asked for the garnishments to stop, a refund for the overpayments, and asked for proof of XXXX authority to collect this debt since they are not a Texas business. XXXX nor AAFES has responded to this letter as required within 30 business days. Request assistance, prior to my contacting the FTC with AAFES reviewing the letter that was forwarded to them in XX/XX/XXXX, stopping the garnishment, stopping any future holds on my income tax return and refunding the overpaid amount.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has yet to update my information on my credit account. To them, I practically dont exist. XXXX and XXXX were able to update my information no problem. I sent in documents requested by Equifax by mail to establish my identity and they sent me a postcard saying that they could not find my account due to no credit history. I have called my lenders and they said they have reported to all three bureaus. Due to this, I fear my personal information has been mishandled by Equifax and I have been given the runaround by them every time I have called. I stay hours on end on the phone with them to no avail.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX 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 me 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 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 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: Debt collection

I received a text to with a Reference # and number to call for a company called Radius Global Solutions. I was distracted with work and they provided minimal information like old # numbers and old addresses. They collected my banking information, and gave me a link to login with a pin. The pin did not work so I called and went through XXXX representatives in XXXX call with no resolution but to try again tomorrow. I called to verify debt and they only gave me a total number. I asked for their company address and license number but they refused and questioned why I needed it. I would constantly get tossed around in a call with no answers or solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
Transunion reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by XXXX and SAGESTREAM I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix the issue with Experian since XX/XX/XXXX ( today is XX/XX/XXXX, so it has been XXXX months already with no resolution ). I last spoke with XXXX at Experians dispute department on XX/XX/XXXX and explained the issue to her again in full details ( Im hoping that she left some notes summarizing our XX/XX/XXXX conversation ). XXXX suggested that I should also send a letter to Experian ( along with supporting docs ) and quote case # XXXX for reference ( I already did that ). But since Experian is taking so long to fix this issue, I've decided to file a complaint with Consumer Financial Protection Bureau in order to induce Experian to take this matter seriously. 

In a nutshell, Experian destroyed my credit history! My legal name changed recently, and so I requested Experian ( back in XX/XX/XXXX ) to update my credit file accordingly. However, when the name was changed at their end, Experian basically wiped out XXXX years of my credit history and brought my very good credit score from XXXX to XXXX something ( poor ). I have brought this matter to XXXX attention multiple times since XX/XX/XXXX and the agents at their end basically kept giving me the run around. Ive been told repeatedly by Experian that the issue was caused by my creditors and that they are not reporting to Experian using my correct legal name. Ive double checked with all my creditors and confirmed that my name has indeed been successfully updated in all their records. 

Prior to the legal name change, my Experian credit report had XXXX total accounts ( XXXX credit card accounts, XXXX auto loan account and XXXX real estate loan account ). All of these accounts have been wiped clean from my Experian credit history and Im now only left with XXXX credit card account after Experian updated my legal name. 

Also, the issue was definitely caused by Experians blunder and not by my creditors! So they need to stop blaming my creditors and take responsibility for their blunder and fix it immediately. How can we confirm that this is definitely an Experian blunder? I pulled recent credit reports from XXXX and XXXX and noted that they successfully updated my legal name and still managed to retain my XXXX years of wonderful credit history! 

As I said above, Experian needs to take responsibility for this blunder and fix this immediately. Their performance to date have been quite deplorable!
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer.

15 USC 6801 says that I have the right to make sure my private information isn't shared!!! The law states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX, Experian, and XXXX are not maintaining reasonable procedures! My privacy rights and identity have been stolen! That also means that the Privacy Act of 1974 ( 5 U.S. Code 552a ) was violated! This account is an adverse item they are reporting without my permission which is against the law and hurting my ability to obtain credit! Please remove this account immediately!! See the attached documents.
Product: Student loan

I went to   XXXX   XXXX   in  XXXX  and at that time I took out loans totaling around {$45000.00}, for school tuition and living expenses.  XXXX   XXXX  was a  XXXX  hour school and they discouraged you from working while in school and also made it nearly impossible with a schedule that changed monthly and held classes at all hours of the day. They were preparing us for the real world environment. It is now  XXXX  and I owe {$59000.00}! I also just paid off the {$6000.00} balance of  one  of my loans this past  XXXX  that had  % 15 interest!  I have only ever misse d 3 payments , I pay my monthly balance due.     All of this was for an  XXXX   XXXX  in   XXXX   XXXX    that is completely useless.     I was technically successful! I worked in   XXXX   XXXX  , on   XXXX   XXXX   projects with world famous artists. I managed a   XXXX   XXXX   XXXX   in  XXXX  for 6 years! But no matter what I did in the industry I could never make enough money to pay the loan off, just enough to pay the monthly payment, which mostly goes to interest.     I think it is ridiculous that I was able to to take a loan out for that much money to enter an industry that does not have the jobs to support the amount of graduates entering it. Add to that, the jobs that are available are not paying enough to pay off the school tuition.
Product: Credit reporting or other personal consumer reports

TRANSUNION ALLOWED XXXX XXXX XXXX, AND XXXX XXXX  I TO REPORT THIS ITEM ON MY CREDIT WHICH IS NOT IN FACT MY MINE. I NEVER HAD A CAR LOAN WIHT XXXX XXXX XXXX I WOULD ASSUME IT IS IMPOSSIBLE TO HAVE THIS ON MY CREDIT WHEN IT IS NOT MINE. THIS ERROR IS ILLEGAL AND UNETHICAL. TRANSUNION FAILED TO AN INESTIGATION. XXXX FAILED TO PERFORM An INVESTIGATION. THOSE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED XXXX THE REPERSENTIVE CONFIRMED THAT THE ADDRESS IT WAS UNDER IS NOT MY ADDRESS SHE STATED THAT IT WILL IN FACT BE UPDATED ITS NOT UPDATED
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a fraudulent collection be deleted from my report. 
The Collection was from XXXX XXXX, AKA XXXX, AKA XXXX XXXX XXXX XXXX. 
The debt collector refused to provide any required info to dispute this debt correctly. 
The debt collector could not be reached even by legal means. 
I submitted a prior complaint to CFPB ( Complaint number : XXXX ) and this CFPB validated that the debt collector was fraudulent as they could not even contact the collector. 
I filed a dispute with all three credit reporting agencies and the results were as follows ; XXXX - Verified as fraudulent and deleted. 
Equifax - States they verified as good, not deleted. 
XXXX - States they verified as good, not deleted. 

I am requesting that both XXXX and Equifax delete this fraudulent debt collection from my credit profile for the following reason ; Both Equifax and XXXX did not verify this debt or the collector per federal law. 
The CFPB was not able to contact this collector and as such, it was not possible for XXXX and Equifax to contact the debt collector and they did not in fact verify the debt as this debt and the collector are fraudulent. 

Please reference my previous closed CFPB complaint # XXXX I have also attached supporting documents ; XXXX Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX and Equifax Report XX/XX/2018 XXXX XXXX XXXX XXXX ( part ) # XXXX
Product: Credit reporting

I disputed a hard inquiry by a creditor that was discharged in my chapter XXXX bankruptcy with transunion and i also asked their lawyer to get it removed.I also disputed the fact that either this creditor had my closed positive accounts removed before they usually remove them or transunion removed them.