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

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

I am deeply disturbed by their lack of respect for my private information ; This is an act of aggravated identity theft, as the courts have already stated that they do not release this information to credit agencies. 

By 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. 

Bankruptcy : # XXXX Bankruptcy : # XXXX Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted more than one complaint. I have disputed many accounts and provided documentation from creditors for paid accounts. Transunion has more than once refused to fix and update my credit. They have now reported delinquent on several accounts that have been paid.
Product: Checking or savings account

My account is with Chase Bank. On XX/XX/2022, I wrote a check to the XXXX XXXX for {$10000.00} for payment of taxes. The check was intercepted and altered. The payee was changed to " XXXX XXXX '', someone I never heard of. The check was then cashed at the XXXX  XXXX XXXX. Chase took the funds from my account. 

I learned of this alteration on XX/XX/2022 following a conversation with the Internal Revenue Service in which I questioned why I had not been credited with the XX/XX/XXXX payment. On XX/XX/2022, I went to my Chase branch and, with the assistance of a banker, completed a Declaration of Unauthorized Endorsement or Altered Item ''. Chase does not give me answers as to what they are doing to replace my money and only tells me it takes time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023 I certified mailed with return receipt, 3 disputes to 3 credit reporting agencies. I found multiple violations, inaccurate information, wrong addresses and names and many inconsistencies.

I was never notified via mail or email that my disputes were seen or heard.

This carelessness in reporting has ruined my credit score and reputation. one of the accounts they have in " collections '' is open and I am actively payi
ng on!!!!

Please help me uphold these companies to the standards they have set!!

I am asking these accounts be removed and all three credit reporting agencies are held accountable for ignoring my disputes and not responding or even opening a dispute in 30 plus days Kindly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries on my Transit credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been trying to track down my student loan debt with navient once it moved from under XXXX XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the XXXX, at the XXXX, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my XXXX community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via XXXX and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the XXXX. Especially when they can find my current address easily as a matter of public record.
Product: Credit reporting or other personal consumer reports

My payment history is usually consistent, and these late payments dont reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under the impression that I was offered a loan through my bank app. I was offered XXXX for 60 months at 12.99 % interest for approximately {$220.00} a month. 
I applied and was denied. When I inquired as to why, I was told my credit ratio was too high, I had overdraft over the previous 9 months and I had been delinquent on payments. 

My credit ratio is 30 % which isn't the best but my payment history has been perfect and I may have overdraft but only for a few hours making sure to make a deposit before XXXX EST that day. 

The official letter sent was unsigned without any phone numbers. When I called wells fargo, transferred to a supervisor and then corporate to ask why there was incorrect information being reported, I was told I had to contact the credit agencies. 

I told them that I check my XXXX  and XXXX XXXX  weekly and both show perfect payment history therefore the issue is not with the credit reporting agencies. 

I was told that they base decisions off of certain terms with no reason given for the inaccurate information and given a generic response. 

I asked which dates that I overdraft and was not given an answer. 

I asked why the letter was unsigned without any phone number and was not given an answer. 

I don't trust them for a loan at this point but feel they're inaccurate reporting is negatively and monetarily harming me since I'm trying to get a loan for home repairs which will cost more now due to their inaccurate reporting and have since I lost an XXXX  loan offer through a home repair company that was basically guaranteed fot weeks but coincidentally was turned down for after this entire ordeal with wells fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( Hard Inquiries are list below, 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 XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX TD XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy : Bankruptcy Refereince number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX/XXXX/XXXX Amsher collections said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company XXXX the amount is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : [ XX/XX/XXXX ] Account Number : [ XXXX ]
Product: Mortgage

In XX/XX/XXXX I went on unpaid FMLA for giving birth to twins. I fell a couple of months behind on my mortgage and applied for temporary mortgage assistance with XXXX XXXX XXXX. In XX/XX/XXXX I was placed on a forbearance for 3 months. I started a new job XX/XX/XXXX and in XX/XX/XXXX my forbearance was extended until XX/XX/XXXX and a plan was set up for me to make a payment every XXXX weeks so that I would be current on my loan by the end of the extension. On XX/XX/XXXX I called to schedule the next payment for my mortgage and was told my loan had been sold to First Midland Mortgage. When I reached out to Midland Mortgage they told me to call back after XX/XX/XXXX when they would be able to access my loan details. I called them on XX/XX/XXXX and was told that I was two months behind on my mortgage. I asked why my forbearance did not transfer with the loan and was told they don't have any record of me ever being on a forbearance and that they would be reporting a late payment on my credit report. This should not happen as I had a plan and a date to be current on my mortgage. They told me I would need to reapply for assistance with them and wait up to 30 days for approval, but even that would not stop the negative remark on my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX and so on
Product: Credit reporting, credit repair services, or other personal consumer reports

The law stipulates that you must investigate withing XXXX of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
Item # : Reason for Correction : XXXXXXXX XXXX XXXXXXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX  This account was opened fraudulently XXXX XX/XX/XXXX According to the provisions of the Fair Credit Reporting Act 661 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit
Product: Credit reporting

XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX No contract or no signature
Product: Mortgage

My XXXX XXXX was sold to Roundpoint Mortgage ( not sure when because I was never informed it was being or had been sold. ) We were not aware that the loan had been sold. We received ZERO communication from XXXX or Roundpoint. We made our XXXX payment to XXXX on XX/XX/XXXX and the payment was accepted. We made our XXXX payment to XXXX on XX/XX/XXXX and the payment was accepted. Unbeknownst to us, the payment was then reversed and put back into the account on XX/XX/XXXX, XXXX weeks later. Roundpoint then sent their FIRST communication to us on XX/XX/XXXX informing us that they were the new lender and we were late on our payment. We immediately called Roundpoint to inform them that the payment was accepted by XXXX. When the payment was reversed XX/XX/XXXX, we immediately paid the XXXX to Roundpoint. Roundpoint reported the account delinquent to credit agencies and assured me it would be removed and my credit would not be affected. We requested PMI to be removed on XX/XX/XXXX. Roundpoint informed me that we had to email them the request and complete a form, which I did. I received a response TODAY ( but dated XX/XX/XXXX ) informing us that the PMI removal was denied because " The mortgage loan does not meet payment history requirements, meaning one or more payments have been 60 or more days past due within 24 months or 30 or more days past due within 12 months of the date we received your request for cancellation. '' I called Roundpoint on XX/XX/XXXX to clarify that we had NOT been late on any payment and that every payment had been made on time. Roundpoint acknowledged that we were unaware of the change in the mortgage lender and could see that we immediately made the payment directly to them when we were made aware of the change. They said that they can not change their records and that we would be forced to pay PMI for another 6 months based on their INCORRECT records. They said that they are not able to edit their records regardless of the reason. This ENTIRE problem stems from banks constantly buying and selling loans and not properly informing their clients. XXXX never ONCE reached out to let me know the payment was being reversed. Roundpoint NEVER reached out until a payment was flagged late. I should NOT have to continue to pay PMI when my payments have remained current and because Roundpoint system 's do not allow edits. That should not be at the expense of the consumer. I feel this was done intentionally.
Product: Debt collection

I have sent 3 separate verification letters asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.
Product: Credit reporting or other personal consumer reports

Experian is reporting a late payment for the account XXXX  Account # XXXX the late payment is reporting for the month of XX/XX/year> this information has not been verified as accurate. Please produce the necessary documents to support this information. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

On XX/XX/2021, I notice a new collection which dropped my credit scores 59 pts, It dropped my credit scores while in the middle of purchasing a home. L J ROSS ASSOCIATES, INC was contacted immediately via email. And after receiving a email from a XXXX XXXX a LJ ROSS ASSOCIATES she stated not to email LJ ROSS ASSOCIATES, INC anymore due to no such account is listed in my name with the account listed and to only reach them at telephone number listed XXXX. On XX/XX/XXXX, I spoke to a representative name XXXX who state she could not locate an account number listed with my name and social security number but insisted she could not remove it unless we send her company an email with the credit bureau listing it. I totally disagree with this first of all I have reside at my address for over 20 year and after researching the Original lender which is XXXX XXXX - I never heard of this company which is located in Wisconsin. PLEASE HELP i totally feel that I am being discriminated against and I will be completing a POLICE REPORT FOR THIS FRAUDULENT ACCT!! XXXX did not try to resolve this account after not locating no such acct with my address and social security number she refused to assist me any further and this is totally discrimination.
Product: Checking or savings account

I reported fraud and suspicious activity on my boa accounts since XX/XX/XXXX   at XXXX XXXX XXXX XXXX  XXXX va. XXXX did a intense research as per her letter stated XX/XX/XXXX on all of my accounts (XXXX XXXX XXXX)First of all as the attachments show my name is at the top of the XXXX   account. In XX/XX/XXXX $XXXX dollars was transferred to a account # XXXX as per documents from boa XXXX. She stated that their were no linked accounts. My address of XXXX  XXXX XXXX XXXX nc XXXX was reported to boa in XX/XX/XXXX after selling my XXXX XXXX XXXX home. As per the documents sent to me by the cfpb file my address was taken off my account of XXXX and combined with Mr XXXX XXXX accounts and my account information was denied access to me due to boa sent my XXXX to XXXX XXXX XXXX XXXX   XXXX va  in XX/XX/XXXX. we were legally separated as of approx XX/XX/XXXX as per the court records that was  entered by Mr XXXX .I need the authorization documents that were signed and on record with boa on who transferred all the funds out of my XXXX in XX/XX/XXXX and whose account it was transferred to ending in #XXXX. Also I need the authorization documents that were submitted to boa to combine my personal XXXX account with Mr XXXX XXXX sole account info in XX/XX/XXXXand changed where my account info was being sent to  since Mr XXXX entered the seperation agreement in XX/XX/XXXX.  By bank of America changing my address to XXXX XXXX XXXX XXXX   XXXX va instead if my reported address if XXXX XXXX XXXX XXXX nc XXXX it  denied me access to my monies and funds info to keep track if the fraud and suspicious activity that I reported    were being  tampered with .Attached are the #XXXX transfer proof in XX/XX/XXXX sent to cfpb by XXXXProof of my XXXX  being comingled with Mr XXXX  personal accounts in XX/XX/XXXX and thru XX/XX/XXXX attached as sent to the cfpb by XXXX in XX/XX/XXXXAddress change proof attached in XX/XX/XXXX as per attached info to the cfpb in XX/XX/XXXXAnd a card # XXXX was used to transfer funds toI need to request info documents on all if the above Thank you XXXX  XXXX