23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TransUnion is reporting a Paid, Federal Tax Lien that has been withdrawn by the IRS on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice. Most recently I received a letter from TransUnion dated XX/XX/2016, and the tax lien remains on my credit report. 
It is my understanding under the XXXX the IRS will allow Withdrawn Tax Liens to be removed from credit files, which is what I have been requesting TransUnion to do to no avail. XXXX and XXXX have both removed the tax lien, I see no reason why TransUnion will not.
Product: Debt collection

In XXXX of 2021 I started to sell one of my properties and was told that a lien was placed on my property by an attorney 's office representing Portfolio Recovery Associates, LLC. During the process I discovered an account was opened that was due to fraud. Portfolio did not handle the matter in a timely fashion thus causing the real estate deal to fall apart. It took them several months to right their wrong when I had proof to show it was not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Focused Recovery Solution ( FRS ) - I paid off the attached debt to the creditor. Once my check cleared I contacted the account to verify if my account was updated and information forwarded to the credit bureaus. I was informed FRS does not update the credit files with partial payments. I advised the account I was only aware of the balance of {$750.00} and inquired of the difference. The FRS collector advise she wasn't sure of the difference therefore I disputed the balance of {$130.00} with the account. To date I have to received an explanation of the remaining balance. 

Once FRS advised they did not update partial payments to the credit bureaus I forwarded the information to the credit reporting agencies directly ( XXXX, XX/XX/XXXX and XX/XX/XXXX ). All three had updated my file to reflect the correct balance however when I checked my report with XXXX today I've noticed the full amount of the account was re-established on my credit report ; which is erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/2020 I mailed a letter requesting that my debt with Jefferson Capital Systems be validated. I have no knowledge of this debt. I requested the following information to be provided on Company Letterhead.

1. A detailed and itemized statement of ALL activity to this account.

2. A contract bearing my signature that binds me to the debt.

3. The photo identification I must have provided at the time of starting services.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to attest to your compliance of the FCBA with this account.

The creditor did not provide me with anything I requested but is considering the debt validated. They can not provide me proof that this is my debt. I am extremely frustrated. It is unfair that they can cause damage to my credit reputation but can not prove to the person they are damaging that the debt is in fact for them. I have attached the incompetent response from the creditor. What they are doing is illegal. They are not validating debts at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The dealers here XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are doing frauds theyre sending false advertising The XXXX credit cards XXXX XXXX XXXX are calling asking your social security number fake wed page with fake numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX reporting we owe money.. ruining our credit ... all was included in bk in 2009
Product: Debt collection

On XX/XX/XXXX, I was contacted by Medical Revenue Service about XXXX amounts allegedly owed by me to XXXX XXXX XXXX XXXX for services rendered in XXXX. After investigating the claim, I found that this alleged debt was the result of a clerical error on the part of my insurance company, XXXX. XXXX listed XXXX XXXX XXXX XXXX as a Tier XXXX provider when in fact it is a Tier XXXX provider. Since XXXX XXXX XXXX XXXX is a Tier XXXX provider, my sole responsibility was the payment of my co-pay, which all parties agree was paid. I know XXXX XXXX XXXX XXXX is a Tier XXXX service provider because XXXX paid them for other services rendered by that facility as a Tier XXXX  service provider, both in XXXX and in other years. 

On XX/XX/XXXX I contacted Medical Revenue Service and spoke to XXXX, and informed her here was a bona fide dispute as to the existence of this debt. XXXX told me that the alleged debt has been marked as challenged. The same day, I sent a written notice to Medical Revenue Service laying out these facts and confirming that there is a bona fide dispute as to the existence of this debt. However, today, XX/XX/XXXX, I received a XXXX letters from Medical Revenue Services still attempting to collect this debt, despite my verbal and written communications. 

I believe Medical Revenue Service has violated my legal rights by continuing to collect this non-existent debt.
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple separate occasions, I have sent documentation and notification to Trans Union advising that information that is displayed on my personal credit profile is inaccurate and multiple items are fraud/identity theft items. 

I have attached a copy of the letter sent to Trans Union confirming to the credit reporting agency details regarding the discrepancies listed on my personal credit report. 

I have also, recently forwarded a copy of my police report detailing the identity theft items for their reference. 

It is costing me certified postage charges each time that I send a document/dispute request to Trans Union as this is the only way that I can verify that they are receiving my disputes and to prevent mail tagging from occurring. In my dispute letters, I am enclosing a copy of my valid photo ID along with a current bill to verify that it is me that is making the requests. 

Although I am following the proper protocol, I am getting absolutely no where in resolution with Trans Union, the only response that XXXX continue to receive is that somehow they are verifying the information to belong to me, but my requests to show proof is going ignored which confirms that the correct verification process is not being followed, because if it was, they would have known that the items do not belong to me and that I am a victim of identity theft and the accounts are fraudulent.
Product: Credit reporting

I received confirmation of dispute findings which advised that the XXXX account was going to be deleted from my credit file. The XXXX account was deleted however when I called in to address another concern the supervisor I spoke with put the account back on my credit file. I believe she was upset as I advised her that I would be filing a complaint about the concern I had with CFPB. Shortly after hanging up from speaking with the supervisor I received an alert from one of my credit monitoring services advising that an account had been added. When I checked it was the XXXX account which I had not called to discuss this account as it had been removed. Equifax is in violation of the FCRA as they added this account back to my credit report without advising that this was going to happen. I also have a complaint about the XXXX Dept of Education accounts that they keep reporting an additional {$5.00} to the account balance. I have spoken with the Dept of Education and they advised that they would not update the account as it is in the rehab program. Equifax is updating and changing files without the proper information from the credit provider. I plan to contact an attorney to assist with this violation if it is not corrected asap. Equifax needs to be investigated for their behavior and retaliation against those that call them out on it.
Product: Credit reporting or other personal consumer reports

In recent months, I have diligently sought the removal of inaccurate information from my credit report, a request that another credit reporting agency acknowledged, verified as inaccurate, and subsequently rectified. Regrettably, your lack of response, or responses that I deem frivolous, reflect a disregard for FCRA regulations and my request for verification. 

To afford you the opportunity to rectify these discrepancies and comply with FCRA regulations, I am extending XXXX final chance for you to correct the errors and update my records. Specifically, I request the prompt attention to and resolution of the following account details within the next 30 days : Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

WE WERE WORKING WITH AN ATTORNEY TO TRY AND GET A MODIFICATION ON OUR HOME LOAN WITH BANK OF AMERICA FOR OVER 3 YEARS AND THEN THEY ALL OF A SUDDEN THEY DECIDED TO FORECLOSE ON US. SO, WE HAD TO DO A SHORT SALE ON OUR HOME. SO WE LOST OUR HOME AND OUR CREDIT IS SHOT. WE TRIED DOING A CHAPTER XXXX BUT, WERE AS MUCH AS THEY HAD BEEN AND THAT IS WHY WE FILED TRYING TO SAVE OUR HOME.THE CHAPTER XXXX WAS IN XXXX 2013 AND THE SHORT SALE WAS IN XXXX 2013.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors University XXXX, XXXX, and XXXX. and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Product: Credit card or prepaid card

Through Transunion, on or around XX/XX/21, I requested a view of my credit score for the other two credit reporting agencies ( XXXX XXXX XXXX  ) agreeing to pay the one time fee of {$27.00}. Nowhere on the pages I viewed did it say that this would be a monthly recurring charge of {$27.00}, which I would never have agreed to. Transunion has since been notified by my credit card company of the aforesaid fact but continues to charge my credit card with {$27.00} on a monthly basis. I would like Transunion to end this practice as it is adversely affecting my ability to perform duties and sleep comfortably.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to credit acceptance via certified mail to verify that what they were reporting on my credit report was accurate. Credit acceptance had supposedly already verified to the credit reporting agencies that it was was reporting accurate information despite me showing them several inaccuracies. The letter was delivered to credit acceptance and they ignored it. I doubt they investigated anything. According to the FCRA section 623 they only have 30 days to get the results back to the consumer. It's been closer to 45 days with no contact from credit acceptance.
Product: Student loan

I have been wanting to make targeted payments toward my student loans, and my goal is to target payments toward loans with higher interest. However, that information is not available because there is not currently interest accumulating due to the COVID forbearance. I contacted FedLoan to obtain this information. The customer service provider could only provide this information verbally. She did indicate that a breakdown could be generated and uploaded to my portal. This has not happened, and instead, I was provided letters of update regarding PSLF, which doesnt apply to me. Further, one can not obtain a historical breakdown of payments or accumulated interest over time. 

Being that I was provided interest information verbally, I felt I had adequate information to make a payment. On XX/XX/XXXX I made a payment through the Fedloan online portal. I targeted two different loans and paid the entire loan amount listed. 

I paid one loan in the amount of XXXX and another for XXXX. My payment breakdown states : XXXX went to principle and XXXX toward interest on loan 1 ; and XXXX toward principle and XXXX toward interest on loan 2. 

Currently, FedLoan is stating these two loans are not actually paid in full, as there is outstanding interest that is not factored into targeted payments. Considering there has not been any interest accumulation in two years, this is intentionally misleading. I also have a loan verification letter from XXXX of XXXX with the same amounts listed, that apparently, do not include interest. This letter was utilized so I could obtain a mortgage. 

Further, there is no messaging when making payments to FedLoan stating that information listed is not inclusive of interest. 

This process, the website, and the ability to understand amounts due is intentionally misleading and difficult. Attempting to pay back and manage student loan information continues to cause an amount of anxiety that is unnecessary. The amount of time, energy, and resources that I have put in to obtaining the correct information is beyond infuriating and is utterly nonsensical unless the goal is further burden those with debt. 

I have had 3 mortgages in my adult life, and several car loans. The information regarding repayment and interest is both clear and available. I can obtain a breakdown through the duration of the loan amount, interest amount, and how my payments are applied. How come student loans CONTINUE to be intentionally misleading and difficult??
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/28 this account continues to report inaccurate information such as account rating, closed date, highest balance, after a factual dispute investigation was requested and information came back as verified but all three bureaus are reporting inaccurate information from this company
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion, XXXX, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue.

Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX XXXX. Contacted each credit reporting agency ( TransUnion, XXXX, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Debt collection

L J ROSS ASSOCIATES IN at XXXX XXXX XXXX, XXXX, MI XXXX has been sending me collection notices in the amount of {$1600.00} the collection has been reported as past due. I do not know this company. This company does not have a contract with my signature.
Product: Debt collection

I HAVE NEVER RECEIVED ANY DOCUMENTATION TO VALIDATE THIS DEBT FROM ABSOLUTE RESOLUTIONS COLLECTIONS REGARDING A CREDIT CARD ACCOUNT FROM XXXX XXXX  FOR THE AMOUNT OF {$21000.00}. 

HOWEVER, ON XX/XX/2021, ABSOLUTE RESOLUTIONS REPORTED A DEROGATORY MARK AS COLLECTIONS ON MY CREDIT REPORT WITH ALL THE CREDIT BUREAUS INCLUDING XXXX, XXXX, AND XXXX. 

I WANT ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dissappointed with the Credit Bureuas choice of actions as they decide to not remove the disputed accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I previously sent a dispute letter to the Credit bureaus dated XX/XX/XXXX, with complete attachments of my personal identification documents as well as the ID THEFT REPORT I received from the FTC. Once again, I was a victim of identity theft and my Personal information was stolen and used to open these fraudulent accounts. I have read that the Credit Repporting Agencies are required to remove any accounts and information that resulted due to identity theft under the strict provisions of the Fair Credit Reporting Act section 605b. However, in my case, the Credit Bureaus refused to remove the disputed accounts and information as they even claimed that the disputed accounts and information were verified by the Creditors! And yet they have failed to send me copies of proof of verification or proof of ownership to support their claims. I am now submitting this CFPB complaint as a follow up to my previous CFPB complaint I submitted last XX/XX/XXXX. Please remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX XXXX XXXX Balance Owed : {$350.00} XXXX  XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX  XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I never applied for credit with these companies, and believe these accounts may be the result of identity theft. I have disputed the information before, and they didn't do a reasonable investigation at all. I have sent the necessary FTC affidavit to the creditors and collectors, and they still have not removed the accounts! HELP ME!!
Product: Student loan

Mohela did not reimburse my XXXX over payments with my PSLF Loan Forgiveness. My Mohela account number is/was XXXX. When I tried to contact them about this I was unable to log on because they closed my account and I was unable to file a complaint with them about not reimbursing my over payments. 
Prior to my PSLF Forgiveness in XXXX of XXXX, I had a hard time even getting my PSLF forgiven ( they " lost '' my PSLF application ) and only after filing the many complaints did they finally acknowledge and had my PSLF loans forgiven ). To accomplish this I had to file a complaint with, XXXX ( case # XXXX and XXXX ), and CFPB ( complaint # XXXX ), and contacted the White House XXXX XXXX No. XXXX ) and I had sent Mohela my payment history which clearly provides evidence of over payment ( see attachment ).
Product: Credit reporting or other personal consumer reports

Ive contacted Lexus Nexus XXXX XXXX XXXX and they have all told me the same thing! That the courts of bankruptcy in middle of Florida still showing that Ive went through with bankruptcy, but Ive called the courts and spoke to someone and they even told me that my bankruptcy case was closed