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

I initial sent a request to Transunion when I noticed some items that were reporting incorrectly, mainly a Bankruptcy and late payments. I sent my initial letter to Transunion on XX/XX/2019 in which I received a letter back stating that the BK was verified and had been updated which they placed an attorneys name which wasn't my attorney. I sent a SECOND letter on XX/XX/XXXX asking for their method of verification since they verified the information and updated the attorneys information. I never received a response from that letter. I sent my third letter today before I pursue litigation as they are in clear violation of my rights under the FCRA to have a copy of the original documentation for whomever reported this information since they verified this information. I also sent a letter regrading my late payments on two specific accounts. They stated the " late payments '' were verified by the creditors and sent my copies of my balances for 6 months. Nothing again showing where my payments were actually received late. 

I have also made a THIRD REQUEST for Transunion to update my personal information on my credit report and this information as of date has yet to be done. I have sent the verification information such as my drivers license/ SS card on three separate occasions showing my COMPLETE ADDRESS and also my name as it should appear.
Product: Student loan

I have made multiple requests to FedLoan and XXXX to receive a refund for payments made on my student loans during the XXXX forbearance period. I submitted my first request on XX/XX/XXXX to FedLoans with no reply. 

I contacted FedLoans again on XX/XX/XXXX and received a reply on XX/XX/XXXX requesting the exact payment dates and the exact amounts from you for the request to be submitted. I replied on XX/XX/XXXX with the following information : " HI XXXX, Here are the payments that I would like refunded : XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XXXX/XXXX/XXXX -- {$210.00} XX/XX/XXXX -- {$1000.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} TOTAL : {$24000.00} '' On XX/XX/XXXX I received this reply from FedLoan : " Thank you for contacting FedLoan Servicing! 

A request was submitted to refund your payments from XX/XX/XXXX through XX/XX/XXXX. It can take anywhere from 2 weeks to 2 months for the refund to be received, which depends on the XXXX XXXX XXXX XXXX. 

Please use the " Contact Us '' link through your online account at XXXX to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department XXXX which is open Monday through Friday, XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX. 

Sincerely, XXXX '' On XX/XX/XXXX I contacted FedLoans : " Hello, I would like to check the status of my refund initially requested XX/XX/XXXX. I received a reply and sent the exact dates and payments on XX/XX/XXXX. My loans will be transferring from FedLoan to XXXX on or about XX/XX/XXXX. I would like to receive the refund before they transfer to XXXX to avoid any confusion. I was told it would take anywhere from 2 weeks to 2 months to receive my refund, I have been waiting 3 months. Thank you for your time! 

XXXX XXXX '' I have not received a response as of today, XX/XX/XXXX. It has been 8 months since my initial request, and 2.5 months since FedLoan informed me it should take 2 weeks to 2 months to receive my refund. I have also messaged FedLoan on XXXX XXXX XXXX to request information. They said they would have a representative call me but I never received a call. 

Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Issue : Incorrect late payment Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX XXXX.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions. 

I have not furnished consent via written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

The accounts listed are adverse items of information and are not convictions or crimes.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

The accounts listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX
Product: Debt collection

In the past, WFFNB/  XXXX   XXXX   has called multiple times a day regarding a debt they claim we owe. We asked multiple times for paperwork that stated the amounts owed which we never received. I have since disputed this debt twice online. Both times my credit report updated that " consumer disputes debt '' and I never received anything verifying the debt by mail or email. Since the disputes were filed the phone calls have ceased all together. I have sent a pay to delete letter to the address listed on my credit report for the company a month ago with no response as of yet. I have also attempted to contact the phone number listed for the company on my credit report but that is an invalid phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies ( Transunion, XXXX, XXXX, XXXX XXXX  ) stated that these accounts were properly investigated and came back as verified. However, how could this be true when there are several inaccuracies showing on my consumer report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Alleged Account Name : XXXX XXXX  XXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX  XXXX XXXX XXXX XXXX  Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had made multiple purchases with an online merchant for clothes and other homegood products. Some of these did not work out and I did separate returns for the different transactions. I have not received these credits to my account. Some I have, but many I have not. I contacted Paypal and they said it was the merchants problem. I called the merchant and they said it was Paypals fault. The total amount for 6 missing refunds is for {$740.00}. 
Since they come in as separate transactions, I will list them separately. 
{$51.00} {$8.00} {$14.00} {$43.00} {$180.00} {$100.00} {$270.00} {$72.00} I can send additional information if needed. 

Thank you for your time. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2023 Portfolio recovery reports I owe them XXXX dollars, I have never signed any documents with or for Portfolio recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXX for misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.
Product: Student loan

I received correspondence that my servicer was switched from XXXX to AidVantage. While with XXXX, the total payment for my XXXX loans was {$230.00}. I applied for the XXXX program in XX/XX/2024 and was placed in administrative forbearance. I then made XXXX interest payment to XXXX. The XXXX program has since been struck down by a court. TodayXXXX XXXX/2024, the AidVantage website states that my loan payment is {$510.00}, over XXXX times what I have paid for many years. A representative at AidVantage had no record of my account or payments with XXXX and tried to force me to apply for new repayment plans. I repeatedly stated that I only want to resume the status quo that existed before the XXXX application and the court 's decision. However, the AidVantage representative essentially expressed that I was out of luck because I could not identify the specific names of loans that I had, that AidVantage did not have XXXX 's records, and that she could only offer me new loans. This is a scam of the highest order. Please return me to the status quo that existed prior to XX/XX/2024. I would like to resume payments of {$230.00} immediately, but this is not being offered to me. I am being forced to prove the records of the federal government and its chosen servicer. This is unfair.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity information abuse and theft for over 10 years. I have contacted the XXXX major credit bureaus several times in an effort to remove fraudulent information and accounts, without success. These fraudulent account should be immediately removed according to federal credit reporting laws.
Product: Debt collection

I signed a contract with a car agency on XX/XX/XXXX and it started on XX/XX/XXXX, and it was supposed to end on XX/XX/XXXX. The company thats is financing my vehicle never sent me a letter in the mail stating that I had 30 days to dispute the debt that they say I owe and it wasnt listed anywhere in the contract that I signed with them. I sent them insured mail with a green return receipt, I sent them a letter on XX/XX/XXXX stating that I want to dispute the debt. In response, they sent me a copy of my contract on XX/XX/XXXX. Then I sent them two letters of insured male on XX/XX/XXXX. One letter was a letter of Cease and Desist, they later contacted my co buyer saying that I breached the contract and that they would repossess my vehicle by XX/XX/XXXX. if I dont pay the debt. The second letter was an invoice stating : According to XXXX XXXX XXXX Civil Liability, this agency has an obligation to pay me for failing to comply with any section of the Fair Debt Collection Practices Act. 

According to congress, the Finance Charge is considered the sum of all charges. 15 USC 1692h Multiple Debts was violated when I was charged for more than just the Finance Charge. The Finance Charge was {$4900.00} cents, but I was also charged for a total sale price of {$16000.00} cents. This is a fine for {$1000.00}. 

15 USC 1692g Validation of Debts was violated when I sent there agency a letter on XX/XX/XXXX stating that I wanted to dispute the debt and they responded by sending me a copy of my contract instead on XX/XX/XXXX. This is a fine for {$1000.00}. And that is when they contacted my co buyer saying that I breached the contract and that theyd repossess my vehicle by XX/XX/XXXX. Is there anyways that you guys could assist me on this predicament?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given 60 days in a letter to respond concerning my identity information, which I gave my whole entire information to the company escalation team to improve and or, approve my decision. I was never told that my credit score was an issue, therefore only to verify my identification through my phone number. Although, that didn't matter many times trying to register my phone number correctly and having to be manipulated to purchase phone for better resulted in a phone to my name, now more costly business. I was decline credibility from the company.
Product: Checking or savings account

There was a withdrawal of XXXX XXXX that I did not approve. I called and reported fraud, they asked me questions, I have reported it, and the pin number was on the card. My claim has been denied twice because they claimed they couldn't find out how the pin number was compromised. I already told the associate how it was comprised. The associate forgot to put that in the notes. The claim was made on XX/XX/XXXX, denied twice, based on a mistake of the bank 's associate. I called after to check it with the bank, an associate have informed me of a hardship program and my credit will appear in two to three business days, I did not recieve them. I called later and another associate claimed that he couldn't credit my account. It is taking too long and I haven't recieved any credit and it was the bank 's associate 's mistake. I didn't even get a temporary credit when I first reported the fraud, which I was supposed to. I need this claim resolved since it has been almost two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX and USAA to have these fraudulent items removed. USAA has requested XXXX not to remove or dispute items. I've filed a FTC report as well as police report. These items are fraudulent and I feel like the companies are not complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing a derogatory item on my Credit Report on all Credit Reporting Agencies by Santander Consumer USA, I contacted them via USPS certified mail and requested all documentation including details on their claims and application bearing my signature.

They have neither responded to my request or notified any of the Credit Reporting Agencies of my request and dispute as per FCRA requirement. 
I then disputed this item with XXXX and they were just notified as information accurate and no other information provided.
Product: Debt collection

Good afternoon documented message for XXXX XXXX. My name is XXXX XXXX. I'm contacting you from isg processing. I'm actually trying to get in touch with you in regards to an address verification. I have here on a certified document delivery. This is actually scheduled to be taking place this Thursday, XX/XX/XXXX. We have to the XXXX XXXX XXXX XXXX, and they are attempting the XXXX XXXX XXXX XXXX now with this delivery. You do need to be present with the form of photo ID to sign. It is not something that can just be left at the front door or even at your mailbox. I do also show the paperwork being sent out to the place of employment this morning with that delivery that one directly to the HR department and payroll, so you did not need to be present for that part. If you're looking for like an emergency reschedule or any additional information. Please contact myself at XXXX. Or you can also contact the filing party. They can actually be reached at the number of XXXX there is no lawsuit or debt. I called back and they said I would be arrested if I dont pay
Product: Mortgage

Have you had complaints submitted on Pacific Union Financial in XXXX TX? 
I am a XXXX representing XXXX and XXXX XXXX on this FHA ShortSale that Pacific Union Financial had agreed to participate on a short sale 18 months ago. 
We had submitted XXXX offers with the best XXXX on XXXX XXXX, 2015 " All Cash '' offer. 
FHA Mtg Letter XXXX still required an appraisal by an FHA certified appraiser. 
They did order an FHA appraisal on this last offer. They kept changing Short sale negotiating specialist 's and losing documents. Two months ago XXXX XXXX supervisorrequest the borrowers financial statements to see if they qualified for a Loan Modificationwhich they offer XXXX and XXXX a $ XXXX monthly payment reductions. 
Since the borrowers did not accept this loan modification, the lender is proceeding withtheir foreclosure. The borrowers speak limited XXXX, so I had to assist them on all ofthis. Can you assist on this or will you pass this to HUD/FHA to follow up on this issue. 
I will be glad to provide all the documentation that I have if needed. 
I have attached copies of the last XXXX emails form Pacific Union, I requested the namesand contact information of the supervisors, but never received them. 
Thank you for you help on this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have wrote this company including all three credit bureaus!!! I have No contract with this company and have let them know of this fraudulent activity!! I have ask to see proof of owner ship and in return I have received nothing back. I will have to take them to court for fraud a possible other charges. Please remove this I have been a victim of Fraud and Forgery. This is a warning im sending for a reasonable Investigation. XXXX XXXX XXXX!!!!!
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on XXXX agency I noticed a fraudulent account on my credit report I did mention to original creditor about this account but their fraud process was way to complicated to complete for me at the time at XXXX then they sold or transferred account to a collection agency XXXX XXXX XXXX account # XXXX wow this is not right they already sent me the paperwork which was to an address I was never associated with and I explained to XXXX this was not mine.