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

[ Date ] XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate Personal Information Reporting by TransUnion I am writing to file a formal complaint against TransUnion XXXX and equivalent regarding the refusal to correct inaccurate personal information on my credit report. Despite providing appropriate documentation, specifically a copy of my driver 's license as proof of my correct address, TransUnion has failed to make the necessary corrections. 

I have recently noticed that my credit report with TransUnion contains an erroneous address, which is negatively impacting my financial standing. As a responsible consumer, I understand the importance of accurate credit reporting and the significant role it plays in various aspects of my life, including obtaining credit, securing housing, and even employment opportunities. 

To rectify this issue, I followed prescribed procedure by submitting a written request along with a copy of my driver 's license, clearly indicating my correct address. Unfortunately, TransUnion XXXX and equivalent each rejected my request without any valid justification, leaving my credit report with incorrect information. 

The refusal to correct my personal information violates several consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute and request the correction of inaccurate information on their credit reports. Credit reporting agencies, such as TransUnion, are legally obligated to investigate and correct any errors promptly.

2. Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA provides consumers with the right to obtain and dispute their credit reports. It requires credit reporting agencies to maintain accurate information and investigate disputed items within a reasonable timeframe.

3. Consumer Financial Protection Act ( CFPA ) : The CFPA empowers the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action against financial institutions that engage in unfair, deceptive, or abusive practices, including inaccurate reporting of personal information.

I kindly request that the Consumer Financial Protection Bureau intervene in this matter, investigate the actions of TransUnion, and ensure that they comply with the aforementioned consumer protection laws. Additionally, I urge you to direct TransUnion to correct my credit report promptly by updating my address to the accurate information provided.

I appreciate your attention to this serious issue and request your prompt assistance in rectifying the inaccuracies on my credit report. I look forward to a favorable resolution and the restoration of my accurate personal information. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Product: Student loan

Before XXXX  pause my payment was XXXX a month. No IDR 's were required during XXXX  pause. My first IDR is not required until XX/XX/XXXX. My payment should have been the same if not lower ( on the new save plan ) then it was before the XXXX  pause. First mohela said that somehow they got my new income and my payment went up to XXXX a month. Then I question how they got it and told them they legally can't ask the irs for my income. Then they lowered my payment for XXXX a month per my letter from them on XX/XX/XXXX. That seemed correct on the new save plan that they automatically put me on. Then in the middle of XXXX right before the forbearance was suppose to end again. They changed my payment again for XXXX a month and changed my due date from the XXXX of XXXX to XX/XX/XXXX. I called and they said they were still updating my account and it was be corrected and back at XXXX but it is not and now they have scheduled XXXX to come out of my bank account. No one will help me or let me speak to someone that can fix my account I just keep getting empty promises. On top of that my XXXX XXXX got his entire balance forgiven, he is not on Pslf and never paid a single payment his entire life. He was in collections and was never going to pay it back but me and the others that are trying to pay it back and getting XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, US DEPT OF EDXXXX XXXX, Complete XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS WERE NOT MADE BY ME. THIS ACCOUNT WAS OPENED BACK IN 2014 ACCORDING M=TO MY CREDIT REPORT, BUT THIS ACCOUNT IS NOT MINE, THIS IS A FRAUDULENT ACCOUNT. I AM VICITM OF AN IDENTITY THEFT THE ACCOUNT AND THE CHARGES ARE NOT MINE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BalanceOwed : {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for credit with these companies and I do not know about theses inquiries on my credit report. In accordance with the Fair Credit Reporting Act ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 620 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.

Responsibilities of Furnishers of Information To Consumer Reporting Agencies [ 15 U.S.C. 1681 Section 623 Section 2 ] ( a ) Duty of Furnishers of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Account number ending in XXXX To whom it may concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the fair debt collection practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation that is binding on me to pay this debt. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ) this action might constitute fraud under both federal and state Laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following violation of the Fair Debt Collection Practices Act. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with legal counsel for a suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days of the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit card

I am writing to dispute the adverse action taken in my credit report and to request that you review the accounts through which I have extended credit. I believe there may be a misunderstanding about my rights and the laws governing credit transactions. As an original cardholder and holder in due course, I am exercising my right to initiate a consumer credit transaction with your company. In accordance with federal law, particularly 15 USC 1602, a credit card encompasses any device used to obtain credit, which I have been granted by your corporation. I am fully aware of my rights as a consumer, and credit is a right afforded to me by a creditor, as per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary, as stipulated by the Consumer Financial Protection Bureau ( CFPB ). I have not derived any benefit from the use of my credit. In fact, the denial of my right to extend credit has caused me both mental and financial distress. There are no federal laws that state a credit score can deny me my right to extend credit, yet the company appears to be overly concerned about my credit score. I would like to address the issue of discrimination against an applicant, as such a practice in a credit transaction is deemed unlawful under 15 USC 1691 ( a ). I kindly request that your company reevaluates this matter and ensures compliance with federal laws. It is imperative that you open the accounts through which I have extended credit and rectify the adverse action taken in my credit report. I take my consumer report and credit-related matters very seriously, and I sincerely hope that this matter can be resolved promptly and amicably. Failing to address this dispute properly may necessitate further legal action. I appreciate your immediate attention to this matter. I kindly request a timely response and a resolution to this issue. Sincerely, By : XXXX XXXX XXXX in fact. For : XXXX / REF # : XXXX ( WITHOUT RECOURSE ALL RIGHTS RESERVED ) 12 U.S Code 192 12 USC 411 UCC 3-419 UCC 1-308 HJR-192
Product: Debt collection

Received a call from National Credit Adjusters from a " spoof '' phone number after XXXX. Receive numerous calls a day from spoofed numbers attempting to collect an unknown debt.
Product: Student loan

shortly after graduated I started paying student loans and I called Navient to set it up so that my monthly payment would go towards highest interest rate first. I was denied multiple times and, after 2 years, was told by one associate that she could split my loans up in XXXX separate buckets. XXXX with higher interest rates and XXXX with lower interest rates. However, my monthly payment had to sprinkle across all loans. The only thing I could do was make additional monthly payments ( on top of my minimum monthly payment ) to the highest interest rate group. I 'm basically getting nowhere with this set up and I should be allowed to apply my monthly payment towards the highest interest rate loan first.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX In accordance with the fair credit XXXXXXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may Mok treat a payment on a credit card. account under an open end XXXX consumer credit plan as late for m and purpose. 
XXXX XXXX XXXX XXXX. XXXX XXXX Get late payments removed from your credit report # credit # XXXX  ... more Add comment... 
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Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number:XXXX in XXXX 2018 . This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX 2018 late payment from my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within XXXX  days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

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

I am attaching a copy of the request that I sent to Equifax and XXXX XXXX on XX/XX/2018. In the letter, I requested that the two agencies request errors on my credit report. They were supposed to respond within 30 days, but they have not.
Product: Mortgage

Borrower is able to reinstate the loan and has asked Ocwen for a 30 day extension but Ocwen is refusing. Borrower does not want to file BK because he knows he can reinstate but just needs a couple.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong outdated address on credit report, reporting agencies do not have my correct name has other names will not remove incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked Experian to remove the XXXX XXXX XXXX account for XXXX it shows a balance of {$6700.00} the account was opened fraudulently back in 2008 well past the time frame that an account can stay on my credit report so why is it still being reported in addition to that you say it's been verified accurate but you have not provided any proof to me what proof do you have? I want to see it just saying it's accurate doesn't make it so There are also two XXXX XXXX XXXX one is showing a balance of {$6600.00} the other one is showing a balance of {$2400.00} again these accounts were opened fraudulently why are they still showing up and I've asked you to show me some proof or remove them and so far Experian just keeps reporting them but you haven't shown any proof if they belong on my credit report what information are you using because these accounts were opened fraudulently these three accounts have been removed from all the other major credit bureaus yours is the only one that these are listed on tell me what I need to do to have them removed I'm not trying to be rude but I'm going to keep fighting you until you fix my report
Product: Credit reporting

I send in the disputed to the credit bureau for inaccurate information on my credit report. they responded back saying the verified the information. I also sent a letter to the company that stated they do n't report to the CB.How can the verified information that not report to the CB.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The account bellow have violate my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also state consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168C. ( 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 conviction of crimes which antedates the report by more than eight years 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the parson knows or has reasonable cause to believe that the information is inaccurate Delete the account bellow : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

Under the Fair Reporting Act ( FCRA ) ,15 U.S. C. 1681 et seq. I am asking for a full investigation and removal of all credit inquires, charges and Accounts as Equifax and Experian, and TransUnion has violated my Fair credit Act as stated. Unwarranted appropriation of credit information amongst credit companies Account statements showing the alleged default documentation of all inquires sold. 
reoccurring credit charges and default and debts EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX  XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXXXXXX 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

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 XXXX 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I consolidated two credit cards with XXXX or XXXX  XXXX, XXXX of them belonged to PENFED BANK, on XX/XX/XXXX XXXX XXXX Re : Settlement Offer Power Cash Rewards Dear XXXX, Pursuant to your recent conversation, Pentagon Federal Credit Union has agreed to settle for {$3100.00} on the above referenced account under the following conditions. 
XXXX payments ( XXXX x {$510.00} XX/XX/XXXX XXXX {$510.00} XX/XX/XXXX XXXX x {$510.00} XX/XX/XXXX XXXX x {$510.00} XX/XX/XXXX XXXX x {$510.00} XX/XX/XXXX XXXX x {$510.00} XXXX XXXX ) of {$3100.00} will be due on or before XX/XX/XXXX Upon receipt of the {$3100.00} payment, the remaining Credit Card balance will be canceled debt, the account will be reported as settled for less than full balance to applicable credit reporting agencies, and subject by law to any applicable legal reporting requirements promulgated by the IRS . 
In the event the agreement is broken, Pentagon Federal Credit Union may forward the account to a collection agency for handling and the original amount owed under the cardholder agreement will remain due, including interest and collection fees up to 25 % of the balance as provided for in the cardholder agreement.

Please retain a copy of these agreed upon arrangements for your records and send a copy when you remit your {$3100.00}. Once the payment is received, we can update the credit reporting agencies as we have agreed to do. This can take up to 90 days to be reflected in any consumer credit reporting agencies report. 
Please contact me with any questions regarding the arrangement. This was completed with the payments due and in XX/XX/XXXX XXXX / XXXX company sent me a copy of my scheduled payments with this Bank, it was assumed that I was already debt-free, but to my surprise. In XX/XX/XXXX I received a letter from Penfed Bank telling me that I was late on my payments for an amount of {$1000.00}, since that date I have called them more than XXXX times to clarify this misunderstanding and they left me waiting in line for more than XXXX Minutes ago they promised to solve this and in the end they did not do it and they have sold my supposed debt to a third collection company. Now my credit score is low and there is no way for this institution to respond to me. I am taking medicine to reconcile the I am very stressed by this injustice and the poor treatment I have received from this bank 's customer service. I have decided to file a complaint so that my problem can be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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