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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : 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 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 US SM BUS ADMIN ODA 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 


XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00}
Product: Debt collection

Since graduating school I have been on the PAYE plan. I learned recently while I was going through the process for re-certification this year that in 2017, interest was inappropriately capitalized to the principal balance of my loans. I remember in 2017 having issues and spending hours on the phone on multiple occasions in order for them to correct their mistakes. It was my understanding that they had corrected everything, and I've only learned now that they never fixed it. 

XXXX XXXX failed to properly process my re-certification paperwork in 2017. They sent me a letter saying that my plan would revert back to the standard payment plan because I had not submitted the required paperwork and interest would be capitalized. I immediately called them to address the issue because I had mailed all the required paperwork a month earlier. Over the phone, after initially denying receiving my paperwork, they eventually admitted they " found '' my paperwork and agreed to not move back to the standard plan and put me on a forbearance until they could process the paperwork. I did not have to resubmit new paperwork, because in fact they had it. This was their mistake in the first place for not processing it. They assured me interest would not be capitalized. Although I did not want to be put on a forbearance because it meant I was unable to make qualifying payments towards my repayment plan, I decided not to start a fight or anything because it wasn't worth my energy at the time. 

Then a few months later, they failed to process my direct debit payment information properly. After reaching out to them with a question regarding my direct debit, I received another communication that they had approved a forbearance request and would capitalize interest as a result of the general administrative forbearance. I again immediately called for them to fix this and again they agreed they had made a mistake and would not put me on a forbearance or charge me interest. I believe this resolved the issue and that interested had not been charged or capitalized for the second issue. 

I only now learned that in fact they did charge and capitalize the interest on my loans with regards to their initial failure to process my re-certification paperwork. This has resulted in incorrect payment and interest calculations over the last 2 years and will continue to cost me money in long-term as they continue to charge interest on the inappropriately inflated principal balances. 

Unfortunately, the XXXX XXXX online messaging inbox does not allow me to access documents from this time period and they have not provided me copies of any of my account documents, but I have attached the emails I received notifying me of new documents in order to show a timeline.
Product: Debt collection

My information was compromised and was apart of multiple data breaches. 
I have no recollection of this account and it is negatively impacting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681EB Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Bulk Purchase Finance - General Processors XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously ordered an updated copy of my Credit report and noticed that the Credit Bureaus still indicate the information reported by the erroneous accounts. I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}, must be corrected to reflect accurate information on my Credit File.
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2015 Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft since XXXX and had my credit frozen til the year XXXX, it is posted on all 3 credit reports, I had this same issue with XXXX  but they would not unlock my report for XXXX nor XXXX to upload my info nor let me correct my info I had sent them numerous updates to my files and through the postal service & certified mail XXXX  states to me they never recieved but 1 copy out of 24 copies I sent, I tried faxing with no luck, and this went on the entire time since XXXX until I contacted your agency last year. It was corrected and XXXX apologized and now I am having same issues with Equifax doing the same thing, they will not unfreeze my credit or I am unable to pass the security questions because they do not even pertain to me and I check the boxes that say, none of the above, and because of this it causes me to fail my security questions and they will not let me view my free annualcredit report online ( keeps saying like my XXXX  use to say ) your credit report is unavailable online to you at this time. I refuse to keep dealing with this, this is my life somebody keeps messing with and I am entitled to my consumer free credit reports and unfreezing my credit at anytime I wish to but someone is seeing to it that I can not. My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... ..my email ( XXXX ) ... .cell # XXXX ... ... my date of birth ( XXXX ... .last 4 of SSN ( XXXX ) ... ..my previous address. ( XXXX XXXX  XXXX XXXX, XXXX, NC XXXX ) thank you for your time & consideration. I look forward to hearing back from this matter. Have have blessed day. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written all three bureaus several times. I didnt know to keep good records or I wouldnt have proof but I did keep a copy of my last letter that I mailed to them back on XX/XX/XXXX. I have yet to get a response at all. I dont know what is going on but I need a response. For the record, there was no reaction and negative data is in effect mistakenly remembered for my acknowledge report, as I have exhorted you on two separate events, over 50 days and again 10 days prior The examination took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are very much aware, government law expects you to react inside 30 days, yet you have neglected to react. Inability to agree with these government guidelines by credit revealing offices are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). I'm keeping a cautious record of my correspondences with you on this matter, to document a protest with the FTC should you proceed in your resistance. I further advise you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you will be at risk for your headstrong rebelliousness. If it's not too much trouble, Remove all Fraudulent records as I have no information on these records because of the Equifax Data Breach/Identity burglary. Everything is being explored by the FTC I'm additionally keeping the organizations recorded underneath educated regarding your unshakable rebelliousness CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and protection CC : Federal Trade Commission CC : State Regulatory office CC : California Regulatory office Division of customer objections
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XXXX My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX My employer is : XXXX XXXX
Product: Bank account or service

I am being charged a debt for a company that I have never had a bank account with. I was contacted on XX/XX/2017 in regards to paying the debt. I asked for verification regarding this debt because the only two banking institutions I have ever had were XXXX and XXXX ( located in XXXX, GA ). I was told by a friendly rep that a dispute claim would be opened and I would receive a call from the agent assigned to my case. It never happened. Under the Fair Credit Reporting Act, I have the right as a consumer to dispute inaccurate information and you must comply and support this inalienable right!
Product: Mortgage

Specialized Loan Servicing has not paid the real estate taxes on my mortgage secured loan and I have received multiple delinquent notices from XXXX XXXX, Virginia. On XX/XX/2021 I contacted the mortgage company regarding my delinquent notice. I was never able to speak with someone and instead was given an address to mail my bill to. Even though our escrow balance is above the amount that our real estate taxes are, and I have sent the letter with the delinquent tax bill per automated instructions, our tax bill has increased as it has not been paid.
Product: Checking or savings account

In XX/XX/1978 XXXX XXXX XXXX and his friends told me that my money was gone and I would have to leave the bank, this was supposed to be a joke, but it wasn't the social security number was changed.theres a savings bonds that my brother brought for me for XXXX dollars, My name is on the front When I returned to work the next day XXXX told me to leave or he would call the police.for years I have been trying to get my money.but i know that I was robbed.XXXX  should have me under XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report. As of this date, they have not responded. I am writing to provide the details of the inaccurate information and request the necessary corrections : The following account is not mine : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$15000.00}
Product: Bank account or service

I opened a Citigold account in XX/XX/XXXX with an offer to earn XXXX ThankYou Points with promo code XXXX. 

I 've received confirmation that I have met the requirements which are : 1. Open a new Regular Checking account in an eligible account package by XXXX/XXXX/16. 
2. Then, within 60 days after the new account is opened, complete one qualifying bill payment each month for two consecutive months. 

I have fulfilled these requirements by : 1 bill pay on XXXX XXXX 1 bill pay on XXXX XXXX As of today, XXXX XXXX, 2016, I have yet to receive my bonus.
Product: Mortgage

Please see the enclosed email sent to SLS today regarding time usurped due to belief caller from SLS XXXX  was from SLS as the phone displayed SLS as the caller. 

That the Short Sale buyer should NOT BE PENALIZED due to this loss of XXXX business days = XXXX days in full. 

There was NO WAY to know the XXXX XXXX from SLS XXXX was NOT from SLS XXXX. 

The timing of the call +emails sent to XXXX marked URGENT URGENT URGENT that went unanswered. I've since been advised that those emails ARE NOT READ? IF the email correspondence is not read with one being unable to get through via PHONE then what is one supposed to do? 
Had no knowledge until this past week probably Wednesday, that the emails are NOT READ. Where do they go? XXXX XXXX and other necessary identifying information is provided with each email This is STRESSFUL. STRESSFUL STRESSFUL not to mention UNFAIR, UNPROFESIONAL & a WASTE OF TIME. 

Further over and above the emails to XXXX are NOT READ the preferred mode of communicaiton for SLS as their phone message states is their new and improved www.sls.net for communicationl I'm told this would be flagged for me, however, I am unable to get copies of any correspoindence I tender through that site. What? 
I've asked XXXX why is there not a cc line so I can cc myself with my language tendered. 
There is not the ability to to cc myself. And FURTHER there IS NOT THE ABILITY FOR SLS TO PROVIDE ME WITH A COPY OF MY CORRESPONDENCE UNLESS I SEND A LETTER TO A GIVEN ADDRESS? 
That is an inconvenient along with time delay way to receive my correspondence 1st I must have time to write to them 2nd I must post an envelope 3rd I must hope it gets there 4th I must hope someone reads it 5th I must hope there will be a reply with my correspondence included. 

This is crazy. Forgive my less than proiessional opinion. Thank you,
Product: Payday loan, title loan, or personal loan

I've previously made two payments in the amount of {$450.00}, however I find an interest rate of XXXX  % too extreme. I know this is a { 12 } month short term loan, but I find that this rate is extremely high. XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts are fraud and need to be removed immediately. 

XXXX # XXXX XXXX # XXXX -JEFFERSNCP # XXXX