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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland Transunion XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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 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 BANK, Account Number, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Product: Mortgage

Our home was impacted by Hurricane Irma, we reached out to our mortgage company Roundpoint for assistance, they provided Foebearance on the account where they deferred XXXX, XXXX and XXXX payments and in XXXX there would be a balance due for the the deferred amount including XXXX payment and if you were not able to pay the full amount they can offer further assistance for a modification review. I was not able to cover 4 months of payments so I contacted Roundpoint to advise would like to apply for the modification, I was able to resume monthly payments starting XXXX and have been making regular monthly payments since then, I was advised by Roundpoint that there was nothing needed for the review and my account would not have a negative impact due to the natural disaster. 
Well its XXXX now and there still no decision, Roundpoint has applied late fees and loan level advance fees for property inspections and has reported late to the credit bureau, I have reached out to Roundpoint regarding the matter they said they will adjust the charges and correct the credit report, as of today no adjustments have been made no correction to the credit bureau. 
My credit has been impacted on one of my credit cards with XXXX went from a credit score XXXX to XXXX where they lowered my credit limit on the card. 
When I call Roundpoint all they can advise me nothing needed its still in process Please I need help to get this issue resolved and the corrections that Roundpoint said they would do but have done nothing.
Product: Debt collection

Company XXXXXXXX XXXX XXXX called my mother in law several times then my wife several times stating they have been trying to get ahold of me. They said they sent letters which I never received. I called the number provided and asked simple questions which seemed to upset the person on the phone. I asked for a letter to be sent explaining the debt and to verify the company is legitimate. The lady said she can email it, I said please send a letter. She hung up on me. 
She also said the last letter sent was 96 days ago.. she asked if I still lived on the road I lived on and also said my full social security number while speaking with me. She was upset that I was asking legitimate questions. Phone numbers they called from are below. 

XXXX I called this number back Also left this number for me to call XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Equifax. These inquiries were conducted without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

The specific hard inquiries in question are : XXXX XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were made without my explicit authorization, which is a legal requirement under FCRA for hard inquiries to appear on a consumer credit report. 

Equifaxs Obligations Under FCRA 611 : I requested Equifax investigate and remove these unauthorized inquiries. However, they have not provided adequate resolution or validation documentation to substantiate the legitimacy of these inquiries.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 : The entities that accessed my credit report through Equifax failed to secure proper consent, infringing on my financial privacy rights under federal law.
Product: Checking or savings account

I deposited a {$500.00} check on the XXXX of XXXX. This week, XX/XX/XXXX and XXXX I had 2 bills pulling from my account. Im not sure the exact amount at this moment but it was definitely under {$500.00}. First bill was WiFi ( $ XXXX {$90.00} ) and my second bill was my car insurance ( about {$110.00} ). I received an email saying my account was going to be closed. I called Discover and was unable to get any help at all. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block these 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX  misapplied my {$9900.00} payment and made unauthorized system changes that deactivated autopay without notice. In XX/XX/XXXX, they falsely reported a XXXX delinquency despite a perfect payment history. On XX/XX/XXXX, XXXX XXXX XXXX XXXX admitted to system failures ** As shown in the transcripts, documentation control issues, and payment verification problems. TransUnion 's investigation ( completed XX/XX/XXXX ) failed to consider this evidence, provided a same-day response without proper investigation, and refused to remove the false delinquencydespite other credit bureaus removing it based on identical evidence. This violates FCRA investigation requirements and has damaged my credit score from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX  XXXX Original creditor : XXXX XXXX. XXXX Balance : {$3900.00}.
Product: Money transfer, virtual currency, or money service

On XXXX I contacted Huntington Bank and requested to close my checking account. There was a balance on {$170.00}. They said I needed to transfer the money out using XXXX before they could close it which I did then they closed the account. I found out that I had the XXXX info set up incorrectly on the receiving bank ( XXXX ) so it never transferred. I contacted Huntington Bank who said since the checking account was closed the money would not come back to the account and there is nothing they can do. I've called Huntington Bank 4 times to resolve this issue they say they can do nothing because the account is closed. I've called and opened cases with XXXX, all they do is tell me that the sending bank has to fix it. I contacted the bank that was suppose to receive it and they said they see no pending XXXX transactions. I don't know what to do, on multiple occasions I've called XXXX they say I have to contact XXXX. Multiple calls to XXXX, all they say is I have to contact XXXX. They make it sound as if I will never see the {$170.00} which I very much need. Any help you can give me would be greatly appreciated
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX b-Compliance procedures i have consistently made timely payments, and it is inaccurately reporting information. It's essential that consumer reporting agencies maintain accuracy on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry into my Equifax credit report. My report was locked. I rexeived a letter stating they required me to unlock and provide additional information. I did not comply or respond. 

The inquiry is unauthorized and not legal
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of last year, I have tried multiple times to work with all three of the credit score companies ( XXXX, XXXX, and XXXX ) to understand why my credit score went from XXXX in XXXX to XXXX in XXXX of XXXX, and then why it decreased for a second time this month from XXXX to below 690. The credit card companies have at all times attempted to block my efforts and have provided me with false information. 

My first attempt was in XXXX with XXXX. On XX/XX/XXXX, XXXX told me the decrease was due to a Bank of America credit card closure and late payment that occurred in XXXX. I had already been adversely impacted by this late payment and closure two years ago in XXXX, so I wanted to know why my account was being negatively impacted for a second time, two years later. Bank of America was absolutely useless when I asked them to help me, effectively saying there was nothing they could do to fix their incorrectly reported information. They told me that the information was verified as accurate. I had to have multiple conversations to explain that I was not disputing that the information was accurate, but rather that the closure and late payment should not affect my score for a second time a full two years after the fact. Bank of America either couldnt comprehend the issue or didnt want to, and continued to refuse to fix their error. Since that time and over the course of a few months, my score increased because I pay all of my accounts on time, have not closed any accounts, have no outstanding loans, and am financially sound. After my score finally broke XXXX last month, it randomly dropped again in XXXX for no apparent reason. Earlier this week, I called asking why my score had decreased and the companies said it was because I had late payments on two Bank of America accounts and another closed Bank of America account. I have not closed an account since the closure in XXXX. All of my accounts are paid off in full on time every month. I do not own the accounts that they say belong to me. They are refusing to share the account numbers. I am trying to take out a mortgage to buy a home and part of me thinks that this is an awful attempt to decrease my credit score so I have to pay a higher interest on my mortgage. Talking with the credit reporting agencies, they make it clear that Bank of America is reporting my information incorrectly. I am filing this complaint because my experiences with Bank of America has convinced me that it is evil. I believe that you can help me, but if you can not and I am forced to take out a more expensive loan because of this unprofessional nonsense, I will put my XXXX XXXX XXXX to use, sue, and demand discovery because what this company is doing is not only incompetent, it is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. DEPARTMENT OF EDUCATION ( XXXX ) U.S. DEPARTMENT OF EDUCATION ( XXXX ) Hello, I have two federal students with XXXX XXXX. The account numbers are listed above. I had submitted a 6-month deferment request for XXXX XXXX- XX/XX/XXXX to temporarily postpone payments due to financial difficulties. For some reason, during this time, my credit reports reflect late payments instead of the deferment status. I have tried to correct this via credit bureau dispute process but have been unsuccessful and need your help. I work hard and have even made payments during the pandemic while payments were on hold to help pay down balance. The credit bureaus have not been helpful. XXXX XXXX has not updated my account and I need further guidance as this is becoming a hinderance for me. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to experian along with supporting documents to have accounts blocked as fraud. XXXX blocked the accounts and sent block notification referrals to XXXX and trans union and neither company blocked the wccounts as required under federal law. I spoke with equifaxs office of consumer affairs and agent agreed that the accounts should of been deleted but ge dant help me.
Product: Credit reporting or other personal consumer reports

When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, XXXX or Transunion to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries and addresses they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries and addresses that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed :XX/XX/XXXX 3 ) XXXX XXXX   XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX XXXX - Date Filed : XX/XX/XXXX Reporting Address : XXXX XXXX XXXX XXXX, MI XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXXr , XXXX  XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Debt collection

To whom it may concern CHOICE RECOVERY # XXXX is an account that was legally discharged in a bankruptcy XXXX XXXX XXXX OHIO Docket # XXXX. Please delete this account at once it is an error!
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX XXXX and Equifax and experian About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 

15 USC 1681 ( a ) accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.
Product: Checking or savings account

On XX/XX/XXXX, I noticed two transactions posted to my PayPal account for {$59.00} each for XXXX. I contacted XXXX the same day and notified them that they were unauthorized. They issued a refund and I changed the password to my XXXX account as instructed, ( my paypal account was listed for my annual renewal of XXXX office ). On XX/XX/XXXX another XXXX debit for {$89.00}. I was on the phone with XXXX for 2.5 hours and even though I changed my password the day before the hackers informed XXXX that they forgot the password and allowed them to change my password and updated the XXXX so I now I do not have access to my account. They were unable to track the payment that posted on XX/XX/XXXX or the payment I actually initiated to download XXXX office for {$99.00} on XX/XX/XXXX. They informed me that I needed to establish a new XXXX account which I did and to inform Paypal that both the {$99.00} and {$89.00} transactions were unauthorized so a credit could be issued. Then I was to repurchase XXXX office for the new account. They could not find the transactions since my username was now changed and they could not see the transaction with my paypal account info at all. I informed Paypal on XX/XX/XXXX and opened Dispute Case ID : XXXX Transaction ID : XXXX and Dispute Case ID : XXXX Transaction ID : XXXX. Paypal provided a provisional credit the next business day but recently debited the amounts again claiming I authorized the transactions which I did not! Paypal can verify that the other debits were refunded by XXXX and can clearly see this was fraudulent activity. Simply stating that because I previously allowed a debit for XXXX is not proof that I made these purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I received a notice to collect a debt from 2 collection agencies regarding an account with XXXX XXXX and XXXX XXXX. IC systems was one of the agencies and XXXX XXXX XXXX  XXXX XXXX was the other. I spoke with XXXX XXXX at IC systems and informed him that I received another notice from a different agency and he stated that he would note my account and no collection activity would continue. I contacted XXXX XXXX  who assured me that they owned the debt ( I have a recording of this call ) and I entered a payment arrangement with them. All of this was done within the 30 days and none of this was reported on my credit reports. 

I continued to make the monthly payments every month by auto withdrawl. On XX/XX/XXXX, I received a notice that a debt collection was reported on my credit reports. IC systems reported that my account was delinquent. I contacted them and they stated that I should have been paying them all along. I informed them that I was paying XXXX XXXX. I sent proof of all my payments to IC Systems. I never heard back from them. 

I noticed on XX/XX/XXXX that the autowithdraw from XXXX XXXX did not happen. I called them and they told me that IC systems was taking over the account and to contact them. I called IC systems to 1 ) set up payment with them and to make sure that they did in fact now have the debt assigned to them by XXXX XXXX XXXX, and 2 ) inform them that they still had not removed the delinquency on my credit report which they need to do since I was never delinquent. I was transferred 4 times and all agents kept repeating that the delinquency will not be removed because they did not get payments back in XXXX, XXXX and XXXX even though they have proof that I paid on time to XXXX XXXX. 

In summary, I am filing this complaint because it violates fair reporting. I was never delinquent, XXXX XXXX XXXX  themselves never reporting me as delinquent, and now IC systems has proof that as of XX/XX/XXXX, I made all my payments on time to XXXX XXXX I feel that I should not be punished and my credit impacted because of the disorganization of XXXX XXXX XXXX and their failure to manage the debt collection process. I am unable to reach a live person aXXXX XXXX XXXX XXXX  to discuss this matter.
Product: Money transfer, virtual currency, or money service

Last week, the following transactions were made from my Remitly account. I did not make any of those transactions. The money was sent to a country I had never sent money to before, to people I did not know. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to notify XXXX that I dispute the alleged debt pursuant of the Fair Debt Collection Practices Act, specifically 15 USC 1692g . I am exercising my right to request verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statement of the facts of the matter, have first-Hand knowledge and must be notarized for the following accounts : Account XXXX XXXX XXXX Account.. XXXX XXXX Account.. XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account.. XXXX XXXX XXXX  Account. XXXX XXXX XXXX  I hear-by inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Please be advised that any further attempts to contact me regarding this debt will be considered a violation of the Fair Debt Collection Practices Act. I expect that you will comply with this request and cease all communication immediately.

Additionally, I request that you provide written confirmation that you have received this notice and will cease all communication regarding this debt.

Thank you for your prompt attention to this matter.