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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Current employer : XXXX XXXX XXXX XXXX deleted incorrect information as we requested on XX/XX/2022 ( attached files ) XXXX, experience and XXXX should update current employer as XXXX XXXX XXXX ( attached file to update personal information in three credit bureaus ) Docket number XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX extension XXXX [ Fax : ] XXXX XXXX extension XXXX XXXX extension XXXX XXXX extension XXXX XXXX extension XXXX XXXX extension XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, at XXXX XXXX  XXXX XXXX sent me an email stating my account was in blocked status and that I needed to upload my ID to be verified. I uploaded my ID and the XXXX system said it was verified and that my account was then unblocked. On XX/XX/2023 at XXXX XXXX  XXXX I received another email from XXXX stating my account was then blocked and permanently closed. I called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that my {$400.00} transfer that I initiated on XX/XX/XXXX was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer. 

I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. I called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because my XXXX was closed that it would not be sent back to XXXX. 

There is no reason XXXX should have closed my account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by me via my Ally account. I can prove I own the XXXX account and the Ally account. I want my XXXX account unlocked. I want my {$400.00} transfer to go into my Ally account.
Product: Credit reporting, credit repair services, or other personal consumer reports

OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE XXXX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM XXXX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. XXXX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. XXXX ALSO DID THE SAME STUFF. ALSO EXPERIAN. BUT EXPERIAN HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

My credit was used without permission on XX/XX/XXXX. A credit increase on my credit card without my knowledge in XX/XX/XXXX. Then account was closed XX/XX/XXXX. I have not used my credit card that was issued to me in XXXX.
Product: Debt collection

I am writing to dispute and request the immediate removal of the late dates of certain entries on my credit report, specifically accounts related to XXXX XXXX and XXXX. I submitted a request for information regarding these alleged debts. Regrettably, as of today, I have not received any correspondence from them in response to my request. It is critical to note that these companies have failed to provide sufficient information to verify the debts in question, even after being given ample time. The lack of communication or response from them is both concerning and a violation of standard credit reporting practices. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : GM FINANCIAL XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

As a consumer and natural person am a victim of identity theft. XXXX, XXXX, Experian have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, XXXX, and Experian are in direct violation of the FCRA and the XXXX XXXX XXXX Act of 1999.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its two collection accounts on my credit report that werent authorized & I dont have an outstanding balance with XXXX I have a current account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 asked for a signed contract from all parties ( myself, the car dealership, and finance company ) they would not provide that contract to me after numerous calls, emails, and certified mail.
Product: Debt collection

A collector on behalf of The XXXX XXXX  contacted me an entire calendar year after I moved out claiming I owe them a debt plus interest. I asked for an itemized invoice and all they provided was a copy of my old lease. They never returned my security deposit and they failed to inform me of this alleged debt or return my deposit within the legal timeframe ( XXXX days ), despite the fact that I gave them all my forwarding and contact information when I left. I paid all my rent and left no problems in the apartment when I moved away. The conditions there were unsanitary and unlivable which is why I left. I don't believe this debt to be real but I'm not sure what to say considering they continually fail to show me what it is even for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint due to some fraudulent addresses on my credit file and I never received a proper response from any of the credit bureaus, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, please delete any other address. 
these addresses are fraudulent, please delete them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I requested contract validation from the following companies : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX US DEPT OF eDUCATION/XXXX XXXX XXXXXXXX, XXXX XXXXXXXX # XXXX. This is the 3rd time I have complained about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I made contact with Forest Recovery LLC, about a debt that says I owe them {$3300.00}. In my letter I ask them to validate the debt they are saying I owe them and they couldn't. Ive given them enough time to respond and I am at the point where I'm about to take legal action against them for misuse of credit reporting as well as, a violation of the 4th amendment, violation of HIPPA. According to FCRA you are not to report a debt unless it has been validated and they could not validate them debt being reported on my account. I am giving 15 days to remove this invalidated debt from my credit report or I will file charges against them per my rights
Product: Credit reporting or other personal consumer reports

I came across XXXX hard inquiries on my XXXX report, which left me feeling confused and concerned. Initially, I thought changes in my credit were due to high balances, but the sudden realization of multiple inquiries around the same time raised red flags. I believe these inquiries should be removed from my credit history and am considering reporting them to address this issue promptly.
Product: Student loan

I have been working toward PSLF for 10+ years and have made 120 qualifying payments as of XX/XX/2024. I submitted what should have been my final Employment Certification Form ( signed by my employer ) on XX/XX/2024. As I am sure you are aware, Federal Student Aid ( FSA ) is now responsible for processing this form and updating qualifying payment counts- it used to be XXXX. 

FSA processed my form and updated my count at the end of XXXX, but the number of qualifying payments ( 118 ) is incorrect. I made a payment in XX/XX/2024, but that month is missing entirely from FSA 's records- it simply does not appear in my account ( see attached ). I have attached a screenshot from my loan servicer ( XXXX ) showing that they have a record of the payment ( see attached ). This payment should be included in my qualifying payment count. 

In XX/XX/2024, my account was placed in an administrative forbearance so my payment amount could be recalculated according to the Biden administration 's new rules for the SAVE plan. I have a letter from XXXX that explicitly states this forbearance will qualify for borrowers working toward PSLF ( see attached ). In my FSA account, this payment is marked " Ineligible due to non-qualifying forbearance '' ( see attached ). 

I believe FSA is confusing the forbearance my account was in for the month of XXXX with the forbearance all borrowers on the SAVE plan were put in following the lawsuit and injunction that was issued on XX/XX/2024. That forbearance does not count for PSLF. However, my XXXX payment date occurred before that ruling was issued, and my final ECF was submitted on XX/XX/XXXX. Hence, my qualifying payment count should be 120. 

I filed a complaint with FSA on XXXX XXXX, 2024 stating my qualifying payment count is incorrect. They responded via email and instructed me to file a " Request for Reconsideration '' ( see attached ), which I did. After filing the request, I received an email stating FSA will not process my request because borrowers on the SAVE plan are currently in a forbearance ( see attached ). 

I do not understand why my current " in forbearance '' status would prohibit a reconsideration of the months that preceded it. I don't think FSA even looked at the reconsideration request or the documents I provided. 

I have met my obligation to the government and my loans should be eligible for discharge. Frankly, I am deeply concerned that if Trump is re-elected before FSA gets its act together, I may never see it. I know there are many other borrowers who are currently in the same situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the completely inaccurate and misleading information reported on my credit report. This erroneous information is not only preventing me from obtaining credit, but it is also damaging my financial well-being and tarnishing my character.

Enclosed with this complaint are the details of the account in dispute, along with all of my personal information to verify my identity and help expedite the process.

By provisions of 15 U.S. Code Section 1681i of the Fair Credit Reporting Act, these items must be investigated. I request you provide proof of these items, specifically the contract bearing my signature. If you can not provide this, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

Disputed Item : Account Name : XXXX Account Number : XXXX This account is listed as a collection/charged-off account on my credit report, but I have never received a 1099-C for this charged-off debt. Please provide me with a 1099-C to accurately reflect this as a charge-off for tax purposes and update my credit report accordingly or delete it immediately.

Pursuant to 15 U.S. Code Section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, I also request a description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter. These may seem like small reporting errors to you, but they are serious offenses on my report when it comes time to purchase a home for my family, buy a vehicle, seek a business loan, or even obtain employment. Please consider expediting this process for me.

Thank you for your attention to this important matter.
Product: Debt collection

I am writing to formally address serious grievances involving the illegal handling of my debt, unlawful credit practices, and breaches of federal consumer protection laws. This letter serves as a final notice to remedy all outstanding issues, halt all illegal activities, and address my damages as outlined below. Failure to do so will result in immediate legal action. 

The following federal statutes and regulations are hereby cited in support of my position and further illustrate your violations. I respectfully request you review each one and cease all unlawful practices immediately. 

Truth in Lending Act ( TILA ) Violations Your organization has failed to uphold transparency and fairness, violating 15 U.S. Code 1601 et seq., which is designed to promote consumer credit disclosure. Specifically : 15 U.S. Code 1666 ( B ) : Failure to provide a fair and prompt resolution for billing errors.

15 U.S. Code 1602 ( g ), ( j ), ( i ), ( k ), ( p ) : Misuse of my credit and failure to provide clear terms as defined by these clauses.

15 U.S. Code 1604 ( a ), ( b ) : Lack of disclosure in credit-related advertisements and failure to comply with federal requirements in disclosures.

15 U.S. Code 1605 and 1606 : Incorrect assessment and lack of clarity in finance charges and other costs.

Consumer Law Violations and Privacy Breaches Under 12 U.S. Code 1431, 15 U.S. Code 1681n, 1681o, 1681s, and XXXX your company has : Misused my private financial information.

Failed to ensure proper security and confidentiality as mandated by federal law.

Violated privacy standards through improper data handling and unauthorized disclosure of my personal data.

Illegal Debt Collection Practices Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ), your actions have constituted : Harassment ( 1692d ), misleading representation ( 1692e ), and unfair practices ( 1692f ).

Falsifying information concerning the amount owed and failing to validate the debt under 15 U.S. Code 1692g.

Forgery and Unauthorized Use of My Information Your company has unlawfully used and forged my information, violating 15 U.S. Code 1640 and 1692k, resulting in damages that I am entitled to claim in a court of law.

How did another 3rd party to 4th party company get my information if i never given consent and i never verbally sent a letter telling these companies to do so.

also it is not under federal law that all furnishing agencies and banks are held by the law to do right and if not than prison and money is to be paid back to the affected consumer.
Product: Checking or savings account

America first credit union takes money out of our checking without asking for debt collection even though we have been working on specific payment plans with them. While we have been working with them in good faith paying back loans that have gone up with interest rates, they dont give us access to things like mobile banking and transfers, constantly code us to block transactions, and also just took out our entire paycheck to pay the loan earlier than we discussed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX  XXXX XXXX. Act # 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 card or prepaid card

My first post-covid flight was a terrible experience thanks to XXXX XXXX and made worse by Chase 's dispute team ( they openly mocked me ). 

We purchased two tickets for XX/XX/XXXX for {$440.00} each, but you had a preventable mechanical issue that caused us to have to fly out the next day. Since my flight was not honored on the XXXX, I demand a full refund for that half of the total. The single XXXX  representative they had at the airport gave up on trying to help people and handed cards out with the reservations number. She basically told us ( with her actions ), go deal with this yourself, we're not going to offer any kind of compensation. 

This was the first time I had seen my friend in over 2 years and you cut our time short! I had to take off leave and you basically made me take leave to not get a flight. I also incurred extra parking, gas and food fees due to this inconvenience. 

I spoke with a XXXX XXXX rep and supervisor around XXXX on XX/XX/XXXX and they are incapable of issuing compensation. 

I spoke with Chase on XX/XX/XXXX and a Chase 's dispute team employee ( a supervisor, XXXX from XXXX XXXX, TX ) mocked me while trying to file a dispute for a delayed flight. I want to report her and I want to get my flight refunded since it was delayed. I felt harassed by her. 

Sincerely, XXXX XXXX Reservation Code : XXXX