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

On XX/XX/XXXX and XX/XX/XXXX of XXXX  I filed a dispute with XXXX, XXXX, and TransUnion addressing incorrect information in my credit report, specifically regarding the following items : I'm reaching out because XXXX, XXXX, and TransUnion are messing up my credit report. They're breaking the rules of both the Fair Credit Reporting Act ( FCRA ) and the CARES Act, and I urgently need your help. 

When COVID-19 made things tough for me, I got an accommodation agreement to ease my student loan with DEPTEDXXXX & XXXX XXXX XXXX The CARES Act and 15 US Code 1681s2 ( F ) state that during this period, my loan should be reported as current, but XXXX, XXXX, and TransUnion is wrongly labeling it as late. 

Plus, they're not handling my complaints about negative accounts correctly. The law, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) and 15 U.S.C. 1681i ( c ), says that they need to fix or remove any wrong or unverified details after a dispute and clearly mark any disputed information in future reports. But they're not doing this. 

Even more, XXXX, XXXX, and TransUnion isn't following the rule of 15 U.S.Code 1681e ( b ), which says they should take reasonable steps to make sure my credit report is as accurate as possible. This is not happening. 

Because of XXXX, XXXX, and TransUnion 's wrong actions, my credit score is taking a hit and it's getting in the way of my future financial plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX and Equifax at least a dozen times each in the last 24 hours, in an attempt to resolve a negative public record issue on my credit report. I have spent half of the time on an automated system, unable to reach a live human being. The other half was spent reaching a live human being, outsourced from XXXX. The customer service representatives were professional, but the language barrier made it impossible for us to communicate. I had often had extreme difficulty understanding the representatives broken English, and in like manner, the representatives did not understand my issue, nor my plea for a resolution. I was at one point instructed to " go to the courthouse ''. Needless to say, the federal courthouse advised that this was an issue outside of their wheelhouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and seen a lot of inaccuracies. I filed identity theft with the XXXX XXXX police after realizing i was a victim of the crime. I 1st tried to settle the problem with the credit bureaus directly. I sent the all the documentation stating the situation and nothing has been done. I have not received anything of it being settled or deleted. I have provided information that my information has been in multiple data leaks. Enclosed are all the documentation as well as tracking receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and there were Three XXXX XXXX inquiries and one XXXX XXXX inquiry. I do not know if accounts were opened. I contacted all parties involved and have been told the fraudulent inquiries would be removed and as of this complaint filing the inquiries remain. Identity theft notice and police report enclosed with complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it may concern, I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified. 

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of XXXX ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX ACCOUNT : XXXX account is showing 30, 60 and 90 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 complaint. Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT Metro 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Product: Debt collection

I have been contacted on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX multiple times a day most before XXXX. I have confirmed information for the debt collectors but they are asking for more personal information while threatening to take legal action in this matter if I dont provide said info. I have not been informed that the company is even a debt collector ( I XXXX  the number & my XXXX shows the company name ) nor have I been made aware of what debt the company is attempting to collect. I am being unjustly harassed, threatened, and to be honest am feeling like Im being scammed.
Product: Student loan

Hello, My name is XXXX XXXX and I have a student loan in the amount of {$27000.00} that is currently in default. I am writing to express my frustration thus far with what has been my personal experience regarding it's handling and explanation of terms from the lenders end. 30 years now after taking out my first loan and I think I finally understand what is going on after speaking with someone who was actually willing to listen and give me helpful advice for once. I see I have been misled and pushed to the side for way too long. Why is that every time I call my lender I get different information to my questions? Why is it that the only consistent solution from my lender is to set my loans on forbearance? Why does no one warn me that the amount of forbearance available for the term of my loan is finite? Why doesnt anyone clearly and plainly explain to me that forbearance continues to rack up interest on my balance? It looks to do nothing more than financially benefit the lender with this kind of approach, which I suppose makes sense considering they are nothing more than a company looking to increase revenue and profits. I feel like I have been cunningly maneuvered into a path of repayment that will never go away. No one ever reached out to me about options that were better suited to my income and profession. The blatant greediness and constant rush to get me off the phone when I call in drives me to think I have been scammed. Consider this a formal complaint as explanation as to why I now demand my loans be reduced or cleared. I have a family to feed while on limited income in the midst of a global health crisis. It should not take 30 years and taxes/wages being garnished and interest-racking forbearance for me to be in a worse-off position than when I first started!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX  XXXX XXXX  XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX Trust Fund with XXXX XXXX XXXX XXXX this is the second time they've had a hard time processing the payment at Chase Bank payment center they send them my pay stub because I send them a PDF file they sent a physical check with my full name on it and the pay stub I've asked them multiple times to apply the credit adjustment to my account they frustrate me and they hang up the phone I do not become belligerent at any time I need help so this doesn't happen to me over and over where I have to keep proving and calling my trust one for them to provide proof that they send the check to them I'm looking for an advocate I've called them multiple times
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # ending in XXXX, has violated my rights. 

15 USC XXXX Section 602 States I have the right to privacy. 

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

15 USC XXXXB : A creditor may not treat a payment on a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX. 
On XXXX XXXX, 2019, CAPITAL ONE add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit report per XXXX.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I secured an installment loan with Security Finance Corporation. I have since paid the loan off, in full. However, I have spent the last 2 months working with their agents on a reasonable resolution regarding an egregious error made and reported to the credit reporting agencies by Security Finances own agents. But I can not seem to get through the red tape. No real help has been offered nor has my loan been accurately reviewed for any and all reported errors. I have done everything I can think of to resolve matters with SFCs agents but my pleas for assistance have been ignored. I have not been designated a single point of contact. Why cant anyone actually look at my information and take ownership of the erroneous information that was provided, reported and the violations made? I am now faced with a derogatory on my credit report that is injurious to my ability to progress financially in business and personally. I need your help to resolve my current crisis.

In XX/XX/XXXX, I secured a n installment loan with SFCs firm. I tendered payments on time as agreed for over 6 months. However, in XX/XX/XXXX, I walked into the Security Finance Corporation in the city of XXXX to tender my payment for that month. The agent advised me that the computer system was down, but that they could take receipt of my payment and enter it into the system as soon as the system was back up and running. I was advised that my payment would NOT be considered late in lieu of the current computer circumstances that day. Once I was offered adequate assurance that my payment would be accepted and accurately accounted for I tendered the amount the agent advised was due.

In XX/XX/XXXX, I was alerted to the fact that my XX/XX/XXXX payment history was furnished inaccurately by SFC to the credit reporting agencies. Apparently, the amount I was advised to tender, by SFCs agent, was {$3.00} short of the actual amount due. This egregious error by SFC and its agents lowered my credit score and my ability to obtain credit and make purchases.

Next, my supervisor advised me that he received a call from SFCs agents regarding my unpaid delinquent balance of {$3.00}. This is a clear violation of the Credit Privacy Act. And SFCs agents have recently been ordered by the CFPB Consumer Financial Protection Bureau to cease and desist from said shady and unethical business practices.

How is it possible that after numerous calls and correspondences Security Finances agents have not afforded me the opportunity to have my situation reviewed for a reasonable and fair resolution? My hope was that SFCs agents would take the situation caused by one of their own agents seriously enough to afford me a reasonable resolution to correct their mistake. Security Finance and its agents have not truly worked with me nor offered any relief. I need your offices help.
Product: Debt collection

MIDLAND FUNDING LLC promised me that if I went with their service, they would pay off my credit card, take a small payment every month, and nothing would show up on my credit report. I made EVERY payment through autopay without issue. In XXXX, the debt MYSTERIOUSLY showed up on my credit report. Every time I called, I'd spend hours on the phone being transferred from one call center to another without any help. The call center in XXXX would berate me, one man even told me " women can't handle their money! '' and hung up on me. Meanwhile, they were falsely reporting the debt amount and that I missed a payment on my credit. 

To make it go away, I paid the amount in full and was told that the debt collection would be removed from my credit report. It hasn't been. 

I have asked them numerous times, called countless times to rectify this. They do not help me and I end up in the XXXX call center even when I ask for domestic. The men in the XXXX call center blatantly discriminate against women and have insulted me several times. 

Meanwhile, I've paid this off in full to XXXX balance. 

This company has no integrity, and I'm very angry they continue to report fake numbers on my account and mar my credit despite my paying every payment on time without issue.
Product: Debt collection

1. 15 USC 1692c ( b ) - without my expressed prior consent ran an ad in the XXXX XXXX XXXX for 3 weeks 2. 15 USC 1692d ( 4 ) - harassed consumer ran ad in the XXXX XXXX XXXX for 3 weeks 3. 15 USC 1692c ( b ) without my expressed prior consent published information on the XXXX website for 21 days 4. 15 USC 1692d ( 4 ) harassed consumer by publishing information on the XXXX website for 21 days 5. 15 USC 1692e ( 2 ) ( A ) conducted illegal sale of consumer goods with false representation of the character, and legal status of the alleged debt 6. 15 USC 1692f ( 6 ) ( A ) conducted illegal sale of consumer goods with no enforceable security interest after receiving notice of rescission 7. 15 USC 1692g ( b ) failed or refused to provide validation and did not cease collection action 8. 15 USC 1692i ( a ) ( 1 ) failed to bring action in the judicial district 9. 15 USC 1692j ( a ) creditor not participating in action of debt-collector 10. 15 USC 1692k ( a ) ( 1 ) actual damages sustained by consumer for debt collector violating FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have contacted Experian in regards to their reporting of XXXX XXXX XXXX ; a collection agency reporting a medical debt from a state that is not my own. 

I reached out to the collection agency and they sent me documents that not only provided a signature that was not my own, but had documents that would clearly be a violation of HIPAA. This debt belongs to XXXX XXXX XXXX. XXXX has not contacted me about this debt. 

I spoke with an Experian representative on XX/XX/XXXX. On XX/XX/XXXX I received an alert on my Experian account. XXXX XXXX XXXX came back verified. This was absolutely impossible. 

Experian is the only credit bureau I have had an issue with. This fraudulent collection account is only on this report and it is the only collection account I have on all 3 of my credit reports.

If Experian actually verified that this account was mine they would know that XXXX is 1 ) not legally allowed to collect in the state of Illinois 2 ) attached documents that have a signature that is not mine 3 ) the originating debtor is showing an address in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to TRANSUNION to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX FTC Report XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. 
I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRANSUNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRANSUNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.