23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against TransUnion regarding their repeated failure to adequately address my dispute letters regarding inaccurate items on my credit report. I sent these dispute letters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In each dispute letter, I included copies of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

However, I received identical responses from TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating that they couldn't process my requests as it didn't appear that they were sent directly by me or an authorized third party. This consistent failure to properly investigate my disputes violates the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint are copies of all my dispute letters sent to TransUnion, along with their responses, as evidence of my repeated attempts to resolve this matter.
Product: Debt collection

Citi bank continuously calls me throughout the day. They even called after XXXX tonight!
Product: Mortgage

In the process of refinancing my loan I discovered that Planet Home Lending had advanced my escrow account {$1300.00} and sent the payment to my township without a tax notice or bill. I am exempt from property tax. Planet Home Lending received all documentation and can confirm I am tax exempt. On XX/XX/XXXX, my escrow account was advanced {$1300.00} and was added to my loan balance. I was not notified. XX/XX/XXXX the {$1300.00} was sent to XXXX XXXX Michigan. In turn the XXXX XXXX sent the funds back on XX/XX/XXXX. My account to this date has not been adjusted. I was told by XXXX on XX/XX/XXXX the XXXX XXXX would be refunding me the amount. When checking with XXXX XXXX XXXX for XXXX XXXX she stated the funds were returned on XX/XX/XXXX. When Talking to XXXX, XXXX and XXXX with Planet Home Lending they admit there is an error but can not tell my why I am still being charge for the escrow advance. I am currently due to close XX/XX/XXXX on a refinance with a deferent lender, but will be responsible for the erroneous {$1300.00} advancement. Plant Home Lending was supposed to call me back this morning and has yet to do so. During this process Planet Home Lending did not communicate with me, until I started asking question. They did not have my permission to advance my escrow account or request me to do so.
Product: Credit reporting or other personal consumer reports

I alerted self that there was multiple closed accounts on report could they delete the accounts that has no balance.
Product: Credit card or prepaid card

I received a Children 's Place Credit Card at my home address on XX/XX/2019. I did not apply for this credit card, I don't even shop at this store. I called the credit card company and it informed me that I had a credit limit of {$1000.00} and there was a credit amount already on the card for {$600.00}. I was unable to speak to a customer service representative due to being closed at the time of calling.
Product: Debt collection

This is in reference to a time-barred debt. Last payment was made XX/XX/2011 from a repossession auction. Another collector tried collecting this also, but withdrew when i was having a lawyer represent me in court. The debt was time-barred at that time also. They are now calling my personal phone and anyone they can at my employer. I have requested they not call here due to my employers policy against this sort of inquiries. I requested they send me the info about this matter. FDCPA states they have 5 days. Lady on phone argued it was 30 and asked why in never responded to any of the paperwork they sent. I informed her that i never received anything from them. A gentleman i talked to yesterday stated this was about a breech of contract, but the lady today stated this was a lawsuit and an attempt to gain asset info from my employer to garnish wages, all while trying to strong arm and intimidate me. She seemed to have no concern or knowledge of this FDCPA regs. She didnt state the company name, reason, anything of that sort. All required per FDCPA. She also told me i needed to get another lawyer as my current lawyer doesnt know anything. I was told from the gentleman the other day that the name of their company ( which i had to ask for ) was XXXX. I found nothing on just that but did find info on some companies with the same letters as name, but spelled out. I believe i found the right info in my search then as a post i found, people have explained the same exact thing that they are doing to myself. i have added the post link below. I would really like to have all of this stopped as i 'm trying to move on from my past. 

XXXX
Product: Debt collection

National credit systems is saying i owe them {$14000.00} and made a derogatory mark on my credit report. i do not owe them this debt. they can not provide me any docs that i signed and owe them any debt. i don't know who this company is.
Product: Credit card or prepaid card

I signed up for a CHASE " XXXX XXXX XXXX '' XXXX  XXXX Credit Card. 
... The company had advertised FANTASTIC benefits... MOST IMPORTANTLY ... a " 0 % APR for on purchases until 2023 '' and a " Introductory Interest rate of 2.9 % for the First 12 Months afterwards. 
I value my credit... .because my family depends on it. 
After making an Appliance purchase at XXXX 'S, I immediately began making payments... With intention of paying card off quickly. 
A few months go by and I notice my Balance was remaining the same!

I discovered monthly " PURCHASE INTEREST CHARGE ( s ) '' of nearly $ XXXX month! 
Also .... " Purchase APR of 23 % to 25 % ''! 
... .UNBELIEVABLE. 
I've NEVER thought big companies like XXXX would allow this type of corruption and I thought Chase was a Big Professional name... worthy of Trust.

I can barely believe my eyes ... .every time I log on ... .I feel so stressed and helpless. 
I tried contacting CHASE XXXX XXXX Services and they spoke to me as if l were XXXX XXXX XXXX  and pretended they've never heard of such a Promotion. 
At any rate, I want to help save my credit and MORE IMPORTANTLY... Help the Public avoid falling for this Predator Credit Card company. 
My name is XXXX XXXX XXXX. 
XXXX I'd appreciate ANY help in this matter. 
Thank you.
Product: Student loan

Hello, I was advised that XXXX XXXX XXXX  needed to be consolidated and I would need my XXXX tax return. However, my XXXX taxes have been filed, but i have not received any correspondence at this time. Therefore, if not received soon, I will miss the XX/XX/XXXX deadline. I read, I can submit this as a complaint until I receive it. Can you please suggest any other alternatives to this situation.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report, There is currently an unauthorized inquiry from XXXX XXXX XXXX reporting on my consumer report dated XX/XX/21 and I demanding it be deleted. 

Pursuant to 15 USC 1681b ( f ), a person must have permissible purposes to access my consumer report. Considering that this company is a debt collection company there is no reason for them to have accessed my report without my written consent or without a permissible purpose. This is a XXXX invasion of privacy for anyone to be able to access my report. 

Transunion furnished this report to the debt collector and failed to verify why they needed access to my report and provided all of my personal information to them. 

XXXX XXXX XXXX used my personal identifying information in order to access my credit report which I never provided consent to and I had no knowledge of until now. 

Having this inquiry reporting on my consumer report is causing me great financial harm and having this reporting is lowering my credit score. 

I demand that this inquiry be deleted immediately and I am also demanding the reason that they accessed my report in the first place.
Product: Mortgage

I was given a postponement day on my auction trustee date in XXXX they postpone it till XXXX XXXX under the understanding to sell home to pay my FHA loan to Wells Fargo I had a buyer qualified and contract witch they received, title company in process. Buyer sold their home to buy mine. Bank denied time for escrow to close and sold my house today in auction. Do n't understand I spent money to fix home and am on XXXX currently. I just want to payoff my loan, so I could buy a home for me and my XXXX grandkids. Was denied modification and was forced to sell home.
Product: Consumer Loan

I recently paid off a vehicle with Chase Auto Finance, the exact date being XXXX XXXX ( considering we were n't allowed to submit payments XXXX XXXX XXXX ). The normal procedure as stated on the website was then to issue me my title to the vehicle within two business days. Well, it has been over a month and I have yet to receive it. I have called numerous times and each time I speak to someone they have to issue a " request '' to a different department to get my release issued and title mailed and also, to close my account. They then give me a ten day deadline, and ask that I call after the ten days has ended. Each time, they simply postpone the deadline. I finally drive to a storefront Chase Bank who then says they are going to overnight me my title. I received this letter the next, and all it includes is a lien-release. I go to the XXXX who then says they can do nothing for that. All I want is my title, which I rightfully own, and for this company to stop reporting to the credit bureaus that I have an open account when I paid it off over a month ago. I have been a good customer and have paid my loan in full in good faith, and they ca n't even issue me my title to my vehicle and give me what I rightfully own. This has even prohibited me from selling my vehicle twice, a total of {$25000.00} lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I received several phone calls from this number Including my family members are receiving phone calls from this number XXXX. I called them back to find out what company its, The Company calling me and my family members is ICS. 
I don't know what are the phone calls about I haven't receive none information in written just phone calls asking me for my Address, they want to know my address. I denied it to give such information.So At this time I would like to ask the CFPB to contact them to cease and Stop this phone calls because I believe this debt collector is violating my consumer rights under the XXXX.
Product: Credit reporting or other personal consumer reports

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. 
Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name :, XXXX Account name XXXX Account name XXXX Account name 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote TransUnion a letter so they could investigate inquiries on my credit report. I never gave the companies reporting the inquiries my authorization, written or verbal and they fraudulent. Today is XX/XX/23 and I never received a response. I ask that you please investigate these as the company/creditor never did or does have my permission to check my credit score with you all please.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion regarding their failure to conduct a reasonable investigation into inaccurate items on my credit report, as well as their refusal to address incorrect personal information despite providing the necessary documentation for verification. 

On XX/XX/XXXX, I sent a dispute letter to Transunion via USPS-certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In the dispute letter, I requested an investigation into inaccurate items on my credit report and also disputed the incorrect personal information listed therein. Along with the dispute letter, I provided copies of my photo ID, social security card, and a recent bill showing my current address to aid Transunion in verifying my identity and address. 

I received a response back from TransUnion dated XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Despite providing all necessary documentation, Transunion has failed to conduct a thorough investigation into the disputed items on my credit report. This failure to act in accordance with the Fair Credit Reporting Act constitutes a violation of my consumer rights. 

Furthermore, Transunion is obligated to adhere strictly to the provisions outlined in the FCRA to prevent future violations of consumer rights. This entails conducting thorough investigations into disputed items and providing accurate and timely responses to consumer inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have a fraud alert removed from my credit file. I have never requested a fraud alert to be placed on my file and my constant requests for the removal have not been addressed. I have made several attempts and there is no live contact with Experian. I submitted the request in writing and the alert has still not been removed. I attempted to submit the request online but the system shuts me out and gives me an error message.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXXXXXX XXXX has been unresponsive in resolving this issue.
Product: Debt collection

I got a flex loan at Easy Money in XXXX Tennessee back in XX/XX/XXXX the loan was for {$500.00}. I had a few health problems and I got a little behind and explained that to one of their employees. They have started calling my job and relatives over and over again since before XX/XX/XXXX.I have 1 friend that they have been calling everyday up to 5 times.I have tried to block their calls so they harass my friends instead.I feel like me and my family are being harassed and I may have to get a lawyer.
Product: Debt collection

XX/XX/2020 US BANK WAS NOTIFIED BY CERTIFIED MAIL FOR A DEBT VALIDATION AND CEASE AND DESIST ALL COMMUNICATION. US BANK CONTINUED WITH HARASSMENT PHONE CALLS ON XX/XX/2020 AND XX/XX/2020. AS WELL AS A THREATENING LETTER USING OBSCENE AND PROFANE LANGUAGE DATED XXXX XXXX. IN ADDITION TO EXHIBITS ATTACHED EXHIBITS WILL SHOW A TOTAL NUMBER OF 14 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS BY US BANK UNDER 15 USC 1692. THE FACTS SUPPORTED BY NOTARIZED AFFIDAVIT OF TRUTH. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A US BANK is in violation of 15 USC 1692f. ( 8 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C, Exhibit D that US BANK is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, Exhibit C, Exhibit D, Exhibit E that US BANK is in violation of 15 USC 1692e ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that US BANK is in violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit F and Exhibit G that US BANK is in violation of 15 USC 1692d ( 5 ) and has proof that US BANK was made aware to cease and desist communication by certified mail on XX/XX/2020 Exhibit I. 

Fact, affiant is aware and has proof in the attachment Exhibit H that US BANK is in violation of 15 USC 1605 ( 5 )
Product: Credit reporting or other personal consumer reports

I'm trying to get Experian to remove my name an put my correct name on my credit report XXXX XXXX XXXX XXXX on my credit report and remove XXXX XXXX XXXX it's not my name and is not associated with my social security number
Product: Debt collection

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Product: Credit reporting or other personal consumer reports

I am reaching out to address my concerns regarding the treatment of my private information by XXXX, Early Warning Services, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, both identified as consumer reporting agencies under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ). Per 15 USC 6801, financial institutions, including those providing information to credit agencies, are obligated to consistently respect the privacy of their customers and safeguard the confidentiality of nonpublic personal information. I believe that ( Furnisher of information to credit agencies ), classified as a financial institution, falls under this obligation. However, I have not provided written consent for the disclosure of my information to XXXX and XXXX, and I wish to make it clear that any prior consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked effective immediately and indefinitely. 
As a consumer, I am entitled to ensure that my personal information is handled with fairness, impartiality, and a commitment to privacy, as mandated by the mentioned section. 
Referring to 15 USC 1681 section 604a ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given written consent for the disclosure of my information to these consumer reporting agencies. I have also been violated by Early Warning Services per my report which shows all banking history which is a violation in my banking terms agreement they had made with me. This is a violation of my privacy via the Privacy Act of 1974.

Additionally, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non affiliated third parties unless the consumer is informed of their right to exercise the nondisclosure option. I have not been informed of this right by ( Furnisher of information to credit agencies ).

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization. The reporting of adverse information without my permission is a violation of this provision.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person is not allowed to furnish inaccurate information to a consumer reporting agency. XXXX and XXXX must ensure the accuracy of the information they receive, and I have reason to believe that inaccuracies exist.

Lastly, in accordance with 12 CFR 1016.7, I am opting out of your reporting services at this time. 
I expect a thorough investigation into these matters and a resolution that ensures compliance with the relevant statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not consumer in connection with the collection of any debt.