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

After multiple attempts to contact Equifax, XXXX XXXX and XXXX regarding credit validation of an invalid outstanding debt there has been no successful resolution at this time. There appears to have been no due diligence completed in trying to resolve the matter, nor, have I been provided with proof that this debt belongs to me and is legally able to be collected. After contacting the collection agency with a validation request no reply was given and the account was sold. The account was transferred throughout the process several times and I have contacted the credit bureau ( s ) regarding the incorrect reporting of my debt which has harmed my credit, financial reputation and has prevented me from moving forward with very important life events like making my first home purchase and qualifying for better interest rates. After my account was transferred I again requested for validation of my debt and was provided with confirmation on XX/XX/2022 that the account has been closed. Although the date of my account being closed occured prior to the date that the investigation by Equifax was completed ( attached ) Equifax still confirmed the reporting as accurate which leads me to believe no proper steps were taken to confirm the debt. XXXX and XXXX have yet to update their records as well and have also not validated my debt. Unfortunately, the difficulty of not having this matter resolved timely with proper due diligence is continuously affecting my ability to move forward with important life events and stagnating me financially. The following account has been closed as of XX/XX/2022 and is still be reported incorrectly by all bureaus According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau ( s ) is/are required by federal law to verify. Please take this formal complaint seriously as all necessary documentation has been provided to support my complaint. An immediate deletion is being requested to resolve this matter in full.
Product: Debt collection

On XX/XX/2023 foreclosure proceedings was placed on my property. This a false claim, result of idenity theft and security fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing do to TransUnion none-compliance of the CRA. TranUnion is inaccurately reporting a late 30 day notice on my credit report for XX/XX/2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to TransUnion with supporting documentation from email receipt from XXXX XXXX XXXX XX/XX/XXXXshowing payment made for the month ofXX/XX/2018 being made on time. I also sent TransUnion email receipt for XXXX showing payment made before and after the month in question XX/XX/2018 and XX/XX/2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX  this is defamation of character and willful injury under section 623  of the FCRA requirements and a violation by TransUnion. CFPB please ensure XXXX XXXX XXXX card follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XX/XX/2018
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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: Checking or savings account

This will be a long tale. To begin with XXXX XXXX had sold several branches in the Midwest to Flagstar Bank. Included with this sale where several accounts opened in said branches. I live in Utah and was not aware of said transfer until the day before ( XX/XX/XXXX ) when I checked my spam email and saw a notice about my XXXX XXXX account from Flagstar ( bank I had never heard of ) after investigating I found out about the transfer and that I was affected by it. The closest branch I can find on the map is 23 hour drive away ( no stops ) I did not want this account that far away because it was my main checking account used for EVERYTHING. So I pulled all the money out of said account and started fixing all my payment accounts. So far I'm left with three that I still had issues with ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX ). I called Flagstar on the first day that they said it was open after the transfer ( XX/XX/XXXX ) and after finding the phone system down I gave them time to get up and running so I called them on the XXXX I couldn't get through before I had to go to work ( 2 hour time zone difference difficult to call during the day ) I called again on the XXXX and got through. ( called again on my way into work ) After discussing that the account was unwanted and I wanted it closed. They stated that I needed to send a letter stating my intent to close the account. I also found out that overdrafts happened because I had purchased lunch on XX/XX/XXXX, and that they wouldn't close the account because I had a negative balance ( {$3.00} ). I decided to wait until I got the monthly statement so I could make sure that I got all charges and such accounted for and I wouldn't be surprised by more reasons to not close the account, but the statement was lost in the holiday rush The next letter I got from Flagstar this month was more overdraft notices. I contacted XXXX XXXX and they have started the refund of payments made. I also contacted XXXX XXXX and they have started their Refund of payments. XXXX is another issue that I'm currently trying to look into. I contacted Flagstar today ( XX/XX/XXXX ) to request that the account be locked so that we could reconcile the account so it could be closed after the refunds where made so that no more surprises accidently went out ( yearly payments I may have forgotten ). I went through a round of people ( 6 people ) trying to get me to pay them the deficit due, each time asking for the account to be frozen until it reconciled only to be told " we don't do that '' before being passed to the next person/department. With the 6th person I started asking why they couldn't and was passed on to yet another person. The last lady tried to answer my questions with vague reasons that didn't define anything. So I asked for the Policy location on the freezing of account so that a layer could find it in the charter. All I was told was " its because its not Fraudulent ''. That said all payments made from XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX, and XXXX XXXX are in the process of being returned per conversations with those companies as of today.
Product: Mortgage

My loan is part of the XXXX XXXX held XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Backed Notes. I am disputing the legitimacy of this trust and Select Portfolio right to attempt to foreclose on my property at XXXX XXXX XXXX XXXX XXXX Ga. I will need information confirming the existence of the XXXX XXXX XXXX XXXX XX/XX/XXXX. I have researched it myself and have found that there seems to be no information on it past  XX/XX/2015. This concerns me. I have requested this information multiple times before via handwritten request as well as verbal requests. I am well aware that the trust is held by XXXX XXXX. I need recent records on the actual trust itself. Recent financial records, Tax records, anything that can show me that this is a legitimate trust and is still in existence. I have spoken with XXXX XXXX from XXXX XXXX, who apparently manages the service agreement with Select Portfolio, and he could tell me nothing about this trust saying that, XXXX XXXX XXXX may have a record of it. Why XXXX XXXX XXXX would have a record of it I have no idea. It's supposed to be held by XXXX XXXX. I am sure you can understand my confusion and concern as to where my money is actually going. I find this lack of transparency between Select Portfolio, XXXX XXXX, XXXX XXXX and whom ever else may be involved with the XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Backed Notes, to be completely unacceptable. I have a right to know and gather information on this trust to make sure it is all Legitimate. Not to mention all banks involved have been fined heavily in recent years for bank fraud as well as securities fraud and I believe XXXX XXXX Headquarters in XXXX was just raided due to money laundering accusations. This to me is extremely worrisome and I demand transparency on all aspects of this trust that my mortgage is part of. Every time I ask this question my only response from Select Portfolio Servicing is that XXXX XXXX is the holder of the trust. Let 's see if we can dig a bit deeper this time. My intention is to keep my house and I am able to catch up on payments once I am secure with the situation. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The absolute tragedy of Capital One and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

XXXX XXXX / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was three dollars to raise I cant seem to let this happen since it is not just.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

I sent XXXX a written notice stating that I refuse to pay the alleged debt. Despite my clear request, XXXX has continued to contact me, which is a direct violation of 15 U.S.C. 1692c ( c ). This section of the FDCPA explicitly prohibits debt collectors from communicating with a consumer after receiving a written request to cease communication, except under specific circumstances outlined in the law. 

XXXX 's continued contact with me after my refusal letter has caused undue stress and has been a blatant disregard of my rights under the FDCPA. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that XXXX complies with the FDCPA and ceases all further communication with me regarding this debt. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Finance in XXXX, Louisiana sent a convenience check to my parents with the name XXXX XXXX on it to my parents house. My father named XXXX XXXX XXXX XXXX cashed the check by signing his phone number email and drivers license number. My name is XXXX XXXX XXXX. This company placed it on my credit report and after numerous discussions they are aware it is a mistake but refuse to take it off my credit report. I also disputed the account with the bureaus and Regional Finance claims that it is verifiably my account even though they are aware it is not which is a lie to the bureaus and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, someone tried to open a credit card in my name through XXXX XXXX and Discover Card. I contacted all credit bureau places- XXXX, XXXX and XXXX and reported the issue. I also put a freeze on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act Convergent 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. I have records proving I was I never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPTEDXXXX XXXX {$13000.00} XXXX XXXX {$1700.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00} XXXX   XXXX {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$850.00}
Product: Debt collection

They yet to prove this account is valid and when it was actually obtained when they bought it from the original creditor. I've asked this numerous times and still no reply. I would like this collection taken off all three of the credit bureau 's reports for me. 

PINNACLE CREDIT SERV Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance {$1500.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX, C/O XXXX XXXX XXXX, XXXX, SC XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION OF FCRA : REINSERTION OF PREVIOUSLY DELETED ITEMS, Section 611 Section 611 Section 611 ( a ) ( 5 ) ( B ) ( i ) ( ii ) ( iii ) ( ii ) ( l ) 611 Section 616 ( ( B ) Please see attached documents : Section 617 Exhibit-A - Public Records with wrong dates onXX/XX/XXXX ; Exhibit-B - No Public record on XX/XX/XXXX, were deleted ; Exhibit-C - Public records with the wrong date reappeared on XX/XX/XXXX ;
Product: Checking or savings account

I used my CASHAPP card on Friday XX/XX/XXXX at a XXXX station to purchase gas at the pump. The keypad at the pump was not working so I cancelled the transaction. I went inside to make the purchase and then I was told I did not have enough funds ( because of the hold ). So I used a different payment method. As of today, XX/XX/XXXX the hold of {$100.00} still has not been lifted and this is causing me issues. I went to the merchant and they said they could not do anything about it and Cashapp stated the can not do anything about it. I disputed it as well. Should Cashapp return my money until the investigation is over?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My servicer has failed to pay my taxes to my municipality. 

I called and emailed prior to my taxes being due which was XX/XX/22 and confirmed that they would be paying my taxes. This included emailing their escrow department on XX/XX/22 with my escrow bill, so they had the correct amount. I also confirmed that there is enough money in my escrow account to cover the taxes. 

On XX/XX/22, I called to notify them that my taxes still showed as not paid - I received an email back from my call, the email stated that they would pay my taxes and that they would cover any late charges. 

However, as of XX/XX/22, I still do not show my taxes paid.
Product: Credit card or prepaid card

XXXX Credit card has not been updated by Transunion as a XXXX balance since XX/XX/2019. I do not have any balance owed to XXXX Credit card.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/year> about an unauthorized credit pull. Complaint # XXXX. XXXX XXXX replied with a letter that it would remove the credit pull from my credit history. The credit pull still remains to this day. XXXX failed to keep its word and remove the credit pull.
Product: Student loan

Have never been offered any low repayment plans or anything like that or an income-based driven payment plan I 'm always in forbearance and delinquent I can not pay my loans back due to financial reasons
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX posted this XXXX XXXX  collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by XXXX  validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. 

On XX/XX/XXXX MRS BPO posted this same collection to my credit reports. Clearly they purchased this debt from XXXX and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. 

I also see that either XXXX  or MRS BPO has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. 

Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. 

My wife and I are trying to close on our first house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. 

I request no more than the immediate removal for my credit reports as well as a side letter from BPO confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.
Product: Credit card or prepaid card

On Tuesday XXXX XXXX 2017, I called American Express to see if they were able to help me with an installment I set up 2 weeks ago. I made a large purchase over {$6000.00}. On the XXXX app it gave me an option on enrolling into a plan it ( payment agreement plan for that huge purchase ). The max amount of installments it let me enter was 3 which was ridiculous. I 'm not able to pay that amount monthly for my credit card. So I 've been calling since XXXX XXXX to see what could be done, if I 'm able to get more installments or to opt out of the program. By enrolling into this plan, I was not aware that the mandatory minimum payment was going to be from {$150.00} all the way to {$2100.00}. Thats insane, I 'm not able to do that. I called them and they transfered me to 6 different people that did n't take the time to help me at all, I ended up talking to the same person ( XXXX ) who transfered me to another department just because he didnt know what to do!! I was on the phone almost an hour being transfered back and fourth. I stood calm the whole time, at last I was transferred back to XXXX who I asked politely if I was able to speak to a manager, he then placed me on hold and transferred me to a department that was closed!!! The automatic machine gave me an option to go back and press # 1 to speak to someone in customer service and when someone picked up, they hung up on me because they heard my voice and knew it was me again! No one should ever experience such bad customer service. No one knew what I was talking about and how to help! This is frustrating and crazy. Something needs to be done! It 's really not fair to me.
Product: Checking or savings account

My name is XXXX XXXX ssn XXXX XXXX XXXX. An account was opened with Truist that I do not have an account number for as I did not open it. I have requested now twice for the account to be closed and they since have sent me information on my new account. When I asked to speak with a manager they did not comply.
Product: Debt collection

I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a XXXX account which I requested be closed when I moved to XXXX XXXX XXXX XXXX XXXX, XXXX. The account was not closed and whoever lived there used my name to receive services from XXXX XXXX and it went to collections. I moved back to my home of XXXX in 2010 ( about 4 or 5 months after moving to XXXX, XXXX to stay with a friend while I prepared to move back to XXXX ). I have tried to get the account removed from my credit report and XXXX is claiming they verified the debt. I do not know how that is possible given the circumstances I already explained. I want Bonneville Collections to remove this incorrect debt information from my credit report. Can you help me please?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX : Balance : {$2300.00} Unauthorized Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax ( Confirmation number : XXXX XXXX on XX/XX/2021 with an estimated completion time of XX/XX/2021. As of today, XX/XX/2021, they have yet to finish their investigation nor contact me. This is well beyond their 30 day time frame, and I want to file a complaint.