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

I just received copy of TransUnion 's reply to complaint # XXXX. I find it unbelievable! They have for years, made available a totally inaccurate report of my credit rating and details and they ask for 60 days to correct! 

Their original credit bureau report stated the following : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiiable information Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. 

TransUnion has not indicated they have verified ANYTHING as accurate. They are not authorized any additional time beyond the 30 days originally allotted! They have used up 12 of the 30 days and must complete ALL CORRECTIVE ACTION within the remaining 18 days AND NO MORE! 
TransUnion has also reported information beyond 7 years aged, this is not legal!. The FTC and the DOJ will intervene if necessary. TRANSUNION - Get your problems fixed NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of 2022 I submitted a CFPB complaint against Experian for reporting unverifiable public record information to my Experian credit report and file. The unverifiable public record account being reported by Experian is as listed : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # - XXXX. Experian claims that this public record being reported has permissible purpose because it was verified as accurate by reseller XXXX XXXX as of XX/XX/2022 but XXXX XXXX is saying the complete opposite. XXXX XXXX is saying that the public record is unverifiable at that XXXX XXXX has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. Experian claim they investigated this dispute and that it was verified as accurate by XXXX XXXX but there is no way they attempted to investigate the accuracy of the information if XXXX XXXX is saying that the information is unverifiable. If XXXX XXXX sold this information to Experian and are now saying they can not verify the information and the XXXX Bankruptcy XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that Experian has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If Experian refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US District Court of New Jersey before a competent court of law! Experian could be liable criminally and civilly for FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Product: Debt collection

I owed a total of {$790.00} to Midland Credit Management, and reached a settlement for a one time payment of {$670.00} to settle the debt and close the account on XX/XX/XXXX. The confirmation # for that is XXXX XXXX XXXX. However, they continue to claim I still owe them {$110.00}. I do not owe them this as we reached a settlement, however they are refusing to close it. I have contacted them multiple times, the last being dated XX/XX/XXXX to resolve this issue but to no avail.
Product: Debt collection

I received notice that I am being sued for a debt with Lending Club, closed in 2016. I received a letter from their collection agency XXXX XXXX. I sent a letter disputing the debt dated XX/XX/XXXX. I NEVER received validation of this debt until I received the Summons from the court. I NEVER received ANY information regarding the original creditor from this company, NOR from the attorney 's. The collection agency and the Attorney 's XXXX XXXX XXXX, FAILED to follow the correct protocol before suing me for this debt with the Lending Club.
Product: Debt collection

XX/XX/XXXX I spoke with a representative from ERC regarding an alleged XXXX balance of {$1400.00}. When the packet was received I called and informed ERC the information shared was fraudulent. The signature provided within the documentation was not my signature and I did not make the purchase on the date indicated in the XXXX documentation. ERC informed me that they would follow up and send me information on how to dispute the fraudulent information. As of XX/XX/XXXX I have not received that information to dispute this information. I filed another complaint with XXXX and

FTC due to the negligence in the reporting of this debt without proper verification that this debt is valid. Upon receipt of the documentation it was confirmed that this debt is in fact fraudulent and should not be reported on my credit history. Please see the attached signature page sent to me by ERC. This is NOT my signature and should be be able to validate this debt as ERC has continued to pursue from me. Please note that ERC is not the original creditor and they are not the 1st collections
this debt has been sold to. ERC refuses to provide the information as to where/who they bought this debt from. This would show that the timeframe as reported by ERC is inaccurate and that despite all else they do not have the right to continue to pursue me for this debt.
I am also filing a complaint in the manner of how this debt continues to negatively impact my credit when it is sold to another collection agency. ERC incorrectly reports this debt as being 3 years old and that is not valid. I first began disputing this XXXX account on my credit history in XX/XX/XXXX. During that time I was denied the opportunity to receive a copy of the final bill and contract showing my signature where I had made the purchases totaling the amount referenced on my credit report. I filed disputes with all 3 credit bureaus. XXXX informed me in XXXX that they are unable to provide any assistance as the account has been closed. This account has affected my credit due to ERC not providing me with the requested documentation to dispute this account on fraudulent terms. This account should not continue to be reflected on my credit history due to inaccurate account closure/opening date, as this account has been sold to several different collection agencies over the past 6 years. Each new collection agency then reports the account as " new '' and that new report negatively impacts for credit as though the account was new and recently placed into collections.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to remove some of the incorrect information from my credit file, but there are still items that need to be removed. If these inaccuracies are not addressed, I will hand over my documents to my attorney to initiate legal action. To avoid this, please comply with the law and remove the following erroneous items that were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed XXXX {$17000.00}. If you assert these items are accurate and verifiable, please provide copies of any documentation associated with these accounts that bear my signature. In the absence of such documentation, I request the immediate deletion of this information from my credit file. Note that you have XXXX business days to remove any items resulting from alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Vehicle loan or lease

I applied online to get a 2 month extension for my car payment from Toyota Financial since I was unemployed due to Covid. I received an email to say I was not approved. I called and spoke to someone at Toyota after receiving that email regarding an extension for my payments for XXXX and XXXX it was approved. On my statements for XXXX and XXXX it shows {$0.00} due for XXXX and XXXX. I resumed payments for XXXX as agreed. Now Toyota says is trying to collect for XXXX and XXXX. I was reported to the credit bureau as late for XXXX and XXXX and they are trying to escalate recovery. I have called several times to ask to speak to a supervisor and they refuse to call me back. I am getting harassing calls from collectors and they are going to re-posess. They said that they can not go back and review the phone call because they dont have it on file anymore. They can not pull up the their own billing statement that they sent to me that shows amount due {$0.00} ( although I can pull it up on my online account ). I was told I could defer payment for 2 months, the statements reflected the XXXX due for those months. I have resumed payments for XXXX going forward. A supervisor refuses to call me back. They refuse to verify the statements that say XXXX was due for those 2 months. I am still unemployed due to Covid yet I have resumed payments since XXXX. I think it is deceptive and fraudulent to try to collect on something that I was told was deferred. Any assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$4300.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : PNC BANK Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Product: Mortgage

We are disputing a late payment that was sent on time for XX/XX/XXXX and is on my credit report as a late payment. A payment was sent for {$1500.00} come to find out they never notified us that they went up on the payment and we never received nothing in writing or phone call letting us know that we were short on our payment. Ocwen Loan Servicing received the payment and held the payment in a suspended account and did n't contact us regarding the payment was short. They did n't post the payment until 30 day later when they received XX/XX/XXXX payment. In XX/XX/XXXX we where notified that the payment was short and we sent and addition amount to bring the account up to the right amount, why this was not done in XX/XX/XXXX to avoid a late payment no answer from Ocwen Loan Servicing. We contacted the office and spoke to someone regarding this matter first, we where told that it was not on our part and they would correct this error, now they are saying that the late payment will remain. We are in the process of trying to close on another home that we have purchase and this is showing up on my Credit report as being 30 days late which is not true because I sent the payment and they held the money in a suspended account without notifying me it was short or the amount was increase. My VA loan was denied because of this. I submitting a letter to Ocwen Loan Servicing regarding this matter and they refused to remove the late payment.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX USC XXXX 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! 

XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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

This is XXXX XXXX XXXX  and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

These accounts affect me and are reported incorrectly, delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the Equifax breach. Personally, I think it 's disgraceful that the executives at Equifax felt obliged to sell shares of their company before going public with this news, a clear-cut case of insider trading. 

This will go down as the largest and most severe consumer personal information breach in history do far, and agencies in which consumers have no choice in sharing their information with should be held to significantly higher standards in regards to privacy and information security.
Product: Money transfer, virtual currency, or money service

PayPal permanently limit my account for no reason and they won't assist me with this. 
I don't know whether this is some mistake on their part so I accept it must be. 
It's been a month and no clear response from them that they will help me on what to do to fix it. So I recalled that I could send a report here as I was frustrated that they are not doing their job properly and it is affecting me as a great deal as I used PayPal frequently. 
My email connected to PayPal is XXXX.
Product: Credit reporting or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is not reporting my 100 % on time payment for my car payment to XXXX and Experian. They refuse to report on those to credit bureaus. So there is a XXXX point difference between the 3 reporting bureaus.
Product: Credit reporting or other personal consumer reports

During XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting that I am anywhere from thirty days to one hundred eighty days past due, while I was in Forbearance with XXXX dollars owed. They reported this on XXXX accounts. I have sent certified letters requesting statements showing I owed money, they never sent me anything. I asked for an account detail and only get from XXXX to current. XXXX acknowledges that the reporting is incorrect every time I call ; however, every dispute I file with the credit reporting agency, XXXX says the reporting is correct. I have now recorded my full conversation with XXXX for proof. I can't get approved for a home loan or anything. I've been fighting this for years. According to the XXXX reporting I would have defaulted on my loans, thus not being able to receiving further funding. The DOE shows I have never been late on one single payment since I took out my first loan in XXXX. I'm asking for assistance as this is costing me loads of money in interest and the ability to own a home. This is unjust after fighting XXXX years.
Product: Debt collection

They sent physical mail and an email. I then went on their website and filed a complaint/dispute on the debt, as the rental company falsely charged us for damages we did not commit. This dispute was filed on the XXXX of XXXX and we never received a response. From there, I was notified that we had a collections notice added to our XXXX XXXX on the XXXX. 

I also tried to call their line to get in contact with someone, never received a response, and now have a report of debt on my XXXX XXXX, all without a single response from the debt collection company, which feels almost as if it is illegal to do something like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX Bank XXXX. No : XXXX clearly suggest conflicting information of XXXX. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Experian XXXX High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the XXXXhree bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Student loan

XXXX XXXX XXXX in XXXX XXXX, FL lied to my face about having to take out private student loans to finish my degree. Private loans were never mentioned one single time by anyone at this school, they would just tell me I needed to fill out my loan paperwork otherwise I would not be able to continue my education and would be kicked out. Only after I graduated and started repayment did I find out that about XXXX % of the loans taken out in my name were high interest private loans. If I would have known this from the very beginning I most likely would never have signed the enrollment agreement and attended this school. They committed predatory lending on a huge scale and have scammed thousands and thousands of young people who were straight out of high school and did n't know any better. They have ruined many kids financial futures. I am XXXX years old now and still struggling with the mistake of attending XXXX XXXX when I was XXXX. XXXX XXXX is being sued by over a dozen attorney 's general for their shady practices, the CFPB for predatory lending and the SEC for fraud. If you look up XXXX XXXX 's reputation on XXXX you will see that they are a complete scam and many people 's lives are ruined because of them. My campus in XXXX XXXX, FL has been consolidated with the campus in XXXX due to their plummeting stock price and decreased enrollments quarter after quarter. This company is sinking and their predatory lending and illegal practices is what caused it. These fraudulent and predatory loans are backed by USA Funds , Inc. I have used {$6500.00} of inheritance money from my dead grandmother to pay these loans down and it is the only reason why I 've paid down the principal balance to any reasonable level. These loans are complete fraud.
Product: Credit reporting or other personal consumer reports

I am writing today because I found some new inaccurate information on my credit. From my understanding, you have 5-30 days to investigate and correct the inaccurate information you are reporting. Time is of the essence here because i am trying to get health insurance and my credit score is so low because of your false reporting. I am a consumer and you have to investigate this matter because of me notifying you with this letter. This is my 4th attempt to get this stuff fixed! Remove inaccurate info or I will be forced to seek further legal action!
Product: Debt collection

XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. 
I have asked repeatedly for them to call once a month at the most! Not to call before XXXX, as I am in class before them, and they have refused to honor my requests.