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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX  XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as 30 and 60 days late, which is inaccurate and has unjustly affected my credit report. 
Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX  XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Back in XXXX, I began school. I took out a private loan in the amount of {$13000.00} and in XXXX, another one in the amount of {$16000.00}. Both through Sallie Mae. I started paying my loans back in XXXX. In XXXX, Sallie Mae gave my loans to Navient. I have made every payment, on time, every month, for the last 9+ years. Not only have I already paid my original balance, but my current balance is still over $ 30k. How is this even possible?? Since then, I have tried multiple times to release my mom as my cosigner, I have tried multiple times to try to get my payments lowered, and I have tried multiple times to get an interest rate better than the " variable '' rates of 13 % and 11 %. Every time I call, I am passed around to different departments, none of which is capable of helping, my cosigner release keeps getting denied, but I can get information why. I cant get a better rate because " variable is what I signed for when I took out the loans '' so there is nothing they can do to help. They cant even tell me what qualifications I need in order to get a lower interest rate. I have been stonewalled every step of the way. Upon a quick chat with Sallie Mae today, they informed me they not only have no record of me ever getting a loan through them, but if I did have private loans, they would not have been sent to Navient. I can't get information from Navient for anything and if I could afford it, I'd hire a lawyer to investigate this further. I'm at a loss right now..
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. Pursuant to OCGA 9-3-24 this account has also reached its statute of limitations on debt in Georgia and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY 4. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- - ______XXXX XXXX______ _______XXXX XXXX XXXX _____ XXXX XXXX VA XXXX- - _____FORMAL Complaint about XXXX XXXX and Experian the credit bureau to stop their retaliation , discrimination and abuse against an American Taxpayer - - 1-The complaint is forced to be reported to the CFPB as first legitimate taken action about Experian and XXXX XXXX  unlawful manipulating of XXXX XXXX personal information data in his Experian credit report that is at least stored and administered by Experian.

2- the above referenced two corporates are alleged to have committed fraud, financial crime and other unlawful acts against the rights of XXXX XXXX XXXX XXXX believes he can prove with clear convincing evidences at any time and at any entity with jurisdiction that the two corporates To cover up their crimes alleged in prior filings against them that were filed by XXXX, they engaged in deleting, manipulating, miss-representing and fraud against XXXX XXXX Information Data that they were trusted access to but they breached that trust and moreover they both broke the law.

3-they breached trust, terms and conditions, contract, FCRA, CFPA and other anti-retaliation provisions recklessly and knowingly to cause all kind of harms against XXXX XXXX for his previous Reporting to government against the two corporates in separate cases.

both respondents must stop their retaliation and they must pay huge legal consequences for their illegal acts against an XXXX taxpayer XXXX XXXX. -As a reference Experian credit report XXXX as provided by Experian indicating date XXXX XXXX is contested for the reasons explained at least herein.

- Please note : Each of the two corporates responses or non-response to this legal complaint will be used against each of them at any time and in a court of law. 
-. - All stated herein is to XXXX XXXX current states belief, knowledge and understanding and it is subject to any correction or change of any kind at any time and only by XXXX XXXX or his legal representative if any and without waiving his rights under any circumstances. 
digitally Signed and Filed XXXX XXXX within CFPB by XXXX XXXX -
Product: Checking or savings account

After I paid someone to remove malware from our personal devices, I get them back only to discover shes not only an XXXX XXXX XXXXXXXX but shes installed more malware on our devices leaving her in control of our electronic devices, our vehicles, and all of financial accounts which is illegal! Our debit card transactions back this up!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : [ Last 4 Digits ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Immediate Action Required - Discrepancy in Credit Report Information and Demand for Inquiry Removal Dear TransUnion, I am writing to express my serious concern and to seek immediate action regarding discrepancies in my credit report, specifically concerning unauthorized hard inquiries. 

On XX/XX/XXXX, I received an unsolicited email from your organization regarding inquiries on my credit report. Following this, I had a conversation with one of your representatives. After a detailed review, they assured me that there were no hard inquiries on my report. This information was crucial for me to understand and manage my credit status appropriately. 

However, upon reviewing the mailed copy of my credit report, I was dismayed to discover hard inquiries listed, which directly contradicts the assurances given by your representative. This misrepresentation is not only misleading but also potentially damaging to my financial reputation and credit score. 

Under the Fair Credit Reporting Act ( FCRA ) and the Michigan Identity Theft Protection Act, I am entitled to accurate and fair reporting of my credit information. The discrepancy in the information provided by your representative constitutes a severe breach of trust and potentially violates consumer protection laws. 

Therefore, I demand the immediate removal of these unauthorized hard inquiries from my credit report. Failure to address this issue promptly will compel me to take further action, including filing formal complaints with regulatory bodies such as the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I expect a written response within five ( 5 ) days of receipt of this letter, confirming the removal of these inquiries and providing a corrected copy of my credit report. It is imperative that this matter be resolved expeditively and in compliance with legal standards for consumer protection. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Student loan

I have been a customer of XXXX for many years. I've never been late on one payment. They failed to process my annual income certification for IBR, which created a cascade of problems. Most recently, the company has reported my account as " Payment Deferred. '' I never once have requested a deferment or forbearance. As a result, my credit score has decreased. The company is so bad at addressing problems that itself has caused. I've had no less than 10 separate calls to customer service reps who have never been able to fix or address any issues - and in fact just create more problems. Now, my credit is damaged because of something the company did without my consent or request.
Product: Mortgage

This complaint is in reference to release of insurance money owed to us by Green Tree Mortgage for flood damage that was approved by our insurance company. We suffered flood damage to our home on XXXX in XXXX. We submitted all claims/ required paperwork to our insurance company XXXX XXXX XXXX and they were amazing and expedited everything we needed to do repairs. They issued a check to us on XXXX which had to be co signed by our mortgage company, Green Tree Mortgage XXXX we did not pick this mortgage company directly as they are result of XXXX selling our mortgage to them XXXX. Green Tree cashed the check on XXXX/XXXX/15. I have submitted all the required paperwork and every time I speak to them, they give me the run around and seem to conveniently misplace the paperwork that I have been sending and keep having to resubmit. Every time I inquire on where my funds are, they come up with another reason why they can not release our money to do our repairs. We complied with everything our insurance company needed including documenting and approving all contractors. Now Green Tree is saying that they can not approve our contractors? What right do they have to do this when we complied with all of the proposal requirement and contractor requirement from our insurance. Each time, with over XXXX calls place to Green Tree Claims Department, I sit for over 35 minutes just on hold with Green tree to try and get a live person and continue to get the run around and meanwhile I am living with rotten flooring and sheet rock. As of XXXX, no progress has been made. Per your site, there are having numerous complaints against Green Tree.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, which fraudulent activity has reported to my TransUnion Credit File/Report. I have filed a FTC Report, Identity-Theft Affidavit, Police Report, and letter from the creditor stating they would remove fraudulent item from my credit report. In addition, I have overnighted the same information, which takes a long time for someone to get my complaint and process it, which I am filing this complaint. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is a fraudulent account on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove the fraudulent item from my credit file, based on my documentation uploaded through CFPB. The fraudulent account includes : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$180.00}, Account Number : XXXX. Please remove fraudulent item immediately. Thanking you in advance for your cooperation.
Product: Debt collection

XXXX XXXX the trustee in XXXX, Indiana, was supposed to pay my mortgage from XX/XX/XXXX through XX/XX/XXXX. He did not pay the months of XXXX, XXXX and XXXX of XXXX. He was paid {$2700.00} over the course of 3 years. He made no effort to tell me or rectify the position he put me in. XXXX XXXX and XXXX XXXX took my money didnt pay 3 mortgage payment to rocket mortgage and left me being XXXX behind on my mortage1 month after a XXXX XXXX bankruptcy. I dont not have any record of where the 3 months of mortgage payments he took went. 
I would also like to report XXXX XXXX from XXXX XXXX XXXX, XXXX Indiana, she was suppose to keep track of all of this and was paid XXXX to do so. She did not do her job well
Product: Vehicle loan or lease

I leased a new XXXX XXXX vehicle for 39 months in XXXX of XXXX. I was involved in an accident in XXXX of XXXX and the vehicle was totaled. My insurance deemed it a total loss and the fair market value came much higher than remaining payments plus the residual value of the car after the payment. The financial institution is saying that the are going to keep the excess, but if the insurance pays less the remaining value, I have to pay the difference. That is unfair practice where the consumer is a the loosing side either way. The balance of the lease was {$4200.00} and residual value after lease was {$25000.00}, so total I owe on that vehicle was {$29000.00}. The insurance settlement was {$45000.00} Also, my plan was always to purchase the car at the end of the lease as the vehicle prices have gone up considerably. But now, I have to pay higher price for the new car and I loosing the benefit of getting higher price for my used car.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX 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

I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by Capital One on XX/XX/2018 and XXXX XXXX. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with Capital One. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from Capital One and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. However, Equifax just placed a fraud alert on my account that I didnt authorized as well. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit  Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have recently heard about the lawsuits against Navient and they have done to me all of the things the lawsuit has alleged. I have been charged late fees and interest even though I have paid consistently through the years. Payments have been misapplied, I have often paid more than the monthly installment amount but those extra payments have not been directed towards principal. My payments have often been misapplied in fact payments at one point were directed to a smaller loan with the same lender ( originally XXXX ) I had that could n't be consolidated in my consolidated loan and that smaller loan got paid in full but I was forced to file a deferment for the larger consolidation loan and during that time interest accrued. I consolidated my student loans upon graduating and in the early years when my income was lower I called many times about income based payment plans and was never given full information about my options. Had I entered such a program my loans would like be dischargeable now since I 've been paying for over 20 years. I have paid much more than I ever borrowed but still owe more than I borrowed after decades of payments due to late fees and interest. I also have had difficulty getting information about my payment history. I have called several times and requested a copy of my full payment history including deferments and forbearance information but it has never been provided. I only have access to what they publish online on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted immediately.

CONSERVE ( Original Creditor : 07 XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX