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

I am filing a complaint against TransUnion, XXXX, and XXXX for failing to correct inaccuracies on my credit report despite my multiple requests for re-investigation. Although my previous complaint was closed, the errors remain unresolved and continue to negatively impact my credit score.

1. I have made several attempts to resolve this issue, but the inaccuracies persist. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 2. FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus did not properly re-investigate or correct the inaccuracies on my credit report.

3. FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus failed to ensure the information reported was accurate and complete.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : The bureaus did not take appropriate action or conduct a thorough re-investigation following my dispute.

I request that appropriate action be taken to ensure that TransUnion, XXXX, and XXXX comply with the FCRA and correct the inaccuracies on my credit report.
Product: Debt collection

On XX/XX/XXXX, I ended up at XXXX XXXX due to severe pain in my XXXX and a XXXX XXXX. I was in the above hospital from XX/XX/XXXX to XX/XX/XXXX During my stay in the hospital, I received a complex of medical treatment and procedures. He was discharged from the hospital on XX/XX/XXXX. That is, he was in the hospital for a day. 
On XX/XX/XXXX I received an invoice for treatment in the amount of XXXX &. My insurance company XXXX paid for 80 percent of the treatment and I had to pay the remaining amount of XXXX &. On XX/XX/XXXX, this invoice was paid by me in full. 
However, on XX/XX/XXXX I received a new invoice from the hospital for payment of my treatment in the period from XX/XX/XXXX to XX/XX/XXXX. This bill, 80 percent of the cost, was paid by my insurance company ( XXXX & ). I was billed for a payment of XXXX &. 
I do not agree with this amount of the invoice for treatment! I consider it unreasonably high and not payable. 
Now I will explain why! 
Based on Illinois and national average cost of drugs and medical procedures provided by the government website XXXX. your bill is too high and does not match the average prices for medicines and medical procedures. I will give only three examples from the invoice you issued in the comparative table, based on XXXX data I sent my objections in writing, by letter with acknowledgment of receipt, to the financial department of the hospital for a world order to resolve the issue. However, my appeal remained unanswered. In addition, the collection of the account was transferred for execution to collectors. About which I received a letter. 

I ask you to help me in resolving my financial dispute with XXXX XXXX and acknowledge the bill presented to me too overpriced
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Debt collection

I have asked for information regarding their legal representation. I have asked them to stop contacting me. I am in XXXX  3 days a week. I am dealing with an extended health issue. I have asked them to stop calling me. I am dealing with a number of financial issues related to my health and do not have time or resources to deal with this communication at the moment and not even certain if it is mine. I have been notified by fraudulent individuals in the past who have been this demanding. I have had over XXXX XXXX  scammed from my bank account. These people are harassing and threatening me. I have asked them to show me that they represent the company that issued the agreement. I have asked for proof that they are indeed the representative and have the legal right to contact me. I did not request my contract. I requested their contract. Are they the legal representatives or brokers trying to broker a deal and XXXX  me at the same time. 

XXXX rom : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Subject : RE : XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Enforcement is underway XXXX  # XXXX XXXX XXXX, Attached is the contract that you requested. Again, this matter falls under the guidelines of the Uniform Commercial Code as it is a Commercial Debt. Therefore, regrettably, I can not comply with your requests as they are addressed by the Fair Debt Collections Practices Act of 1977 ( Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 ). Since this is not a Consumer Debt, the FDCPA does not apply in this instance.

Per the conversation with the UCC Enforcement Department this morning, you have until the end of the day today for this to be resolved with funds payable immediately, if not the client is requesting that we escalate the claim. 

XXXX XXXX | Recovery Specialist Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Direct XXXX Fax XXXX www.rsgcollect.com Pay your bill online : https : //rsgcollect.com/payment
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.

The following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This complaint is for XXXX, TRANSUNION and XXXX it has come to my attention that your agencies are in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ) for accepting and reporting false, poor, inaccurate, and misleading information regarding more than 20 180-day late payment notations reporting subsequently each passing month. Under the FCRA, consumer reporting agencies such as XXXX, XXXX, and TRANSUNION are obligated to uphold maximum accuracy in the reports they furnish. Accepting and disseminating such inaccurate information without raising questions or conducting a thorough investigation is a clear violation of your responsibility to ensure the accuracy and integrity of the reports. Pursuant to 15 USC 1681i ( a ) of the FCRA, I am hereby requesting that your agencies commence a thorough reinvestigation regarding the account with XXXX  XXXX  within 30 days.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinves
tigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a serious problem for me and the second time I had a dispute regarding unauthorized use of my credit repot from XXXX. Last year someone opened a credit card in my name from XXXX XXXX. I am working very diligently to repaid my credit after a bankruptcy in XX/XX/XXXX. On XX/XX/XXXX XXXX did a hard inquiry on Experian. I do not know if its on XXXX XXXX or XXXX. I contacted XXXX and they do not have any info regarding an inquiry. Experian will not look into it stating they can not remove information. So that 's it?? these reporting companies can make their own rules and add info to your reports that affect your life. I have attached correspondence.
Product: Checking or savings account

I am writing to formally dispute unauthorized charges totaling {$190.00} on or around XX/XX/year> that were recently applied to my debit card account. These charges appear to be the result of fraudulent activity, and I believe my account has been compromised. 

I kindly request that you initiate a thorough investigation into this matter and take immediate steps to reverse the fraudulent charges. The transactions were made on the same day and, according to the bank, are linked to a restaurant. However, it seems highly improbable that I would have made four separate purchases at the same location in a single day. Upon further investigation, I have discovered that the vendors involved are from different businesses, none of which are restaurants. 

I appreciate your prompt attention to this issue and your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed an entry on my credit report with Experian Credit Buearu and uploaded 20+ pages of documentation detailing a seven month effort to validate this entry. 

I reached out to the contact address and email listed ( as I'm XXXX low hearing do don't engage via phone ) and per both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) this entry should be deleted from my credit report. 

I sent a written and electronic request to the collector and they were unable to respond back with the legal requirements and requested pieces of information. I shared a copy of the letter with the itemized pieces of information I was legally due and wanted to see and they responded they were unable to provide this information. 

I shared this thread and again multiple documents as reference points with Experian and they shared an auto generated template about what their role in the dispute process is and how it's simply to ensure the items the collector has have the same name and contacts on my credit profile. No request for the original creditor, a valid contract between parties, receipt of a debt- as I have documents that I owe no such debt. And then as a collector, authenticity of their authority - their collector 's agent license number, evidence of their legal right to collect in the state of Nevada where I live, and if this is an actual debt, record of the transfer of ownership or receipt of sale of debt. 

Not only was none of this provided, the collector in question provided no method to contest the debt or intake verification that it was not valid. 

I presented all of this to Experian, along with multiple threads and documentation of being a victim XXXX times over of a data leak by XXXX large XXXX XXXX companies and my own personal identity stolen and fraudulent accounts and action taken in my name. 

None of this was handled correctly to remove the entry and now I have been denied housing because of this illegal error and Experian is ( rightfully ) bracing for contact from my legal counsel until this is removed. 

I would love for this complaint to evade that process and for Experian to allow a mediator to help them see this is a failure on their part that need to be rectified immediately, but I also want all consumers to know this is victimization and exploitation by careless process on Experian 's part as well.
Product: Debt collection

I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, XXXX XXXX ( Original ) and XXXX XXXX XXXX ( Current Creditor ). 
The Complaint number, # XXXX. 
You have requested a Feedback on XX/XX/XXXX. 
Feedback was due on XX/XX/XXXX. 
I am sorry and appologize for being unable to make any feed back. 
I have another Threaten made by a Debt collector, " National  Enterprise Systems ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my XXXX XXXX. 
Tehn, I received another letter from the same debt collector, National Enterprise Sysems, XXXX XXXX XXXX, XXXX XXXX, XXXX. OH XXXX. PhoneXXXX   XXXX. 

I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}. 
The original creditor has misused my monthly payments made in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( XXXX ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX XXXX XXXX A : 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 XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( XXXX ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus XXXX, XXXX  and Equifax.
Product: Payday loan, title loan, or personal loan

Between XXXX XXXX I did not get the money what do you want me to do that deposit some money in my account and you want me to get the money out of my account to purchase some XXXX cards and then I take the numbers and put into the system I never heard that before. Heroes the two phone numbers XXXX XXXX XXXX XXXX
Product: Debt collection

I never applied for anything since my bankruptcy in XXXX its XXXX and my scores is still where it was doing bankruptcy chapter 7 XXXX  and XXXX  failure to give me a signature recording or document for these action and Im trying to get back on my feet with this delay. XXXX has me with a XXXX score with the same issues with XXXX and XXXX XXXX and XXXX seasaw from XXXX. Please fix this matter. Thanks
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

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. 


XXXX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

We have a XXXX and XXXX mortgage with TCF bank. The XXXX mortgage has an interest rate of 6.40 % and the XXXX has an interest rate of 4.99 %. We have had both of these mortgages for a long time and our house is upside down in debt. All we are trying to do is get our interest rate lowered to a reasonable rate. I have, for the past 2 years, been dealing with several mortgage brokers at several locations who say there is nothing they can do, I ask them to pass the information on to their supervisor they take my name and # and I never get a phone call. We have been struggling to make the payments, but have been making them, it would be extremely helpful to get an interest rate that is reasonable.
Product: Student loan

I am filing a complaint against ACS Education Services for 3 reasons. 
1. My personal information was changed to another client 's information. This was unauthorized and if I had not been vigilant my personal information would have been sent to this individual. I also placed a phone call to this individual to let them know what had happened. The company failed to safe guard my confidential information and this other individual 's information. The company has offered no reparations for this error. 
2. I moved XXXX times within the month of XXXX and my mail from ACS was delayed due to these moves. I was unaware that my loans had become due as I thought I was still in my grace period ( as I am for all my other federal student loans ). Upon receipt of the information I immediately paid the amount due. ACS placed a derogatory mark on my credit report. I saved the envelops of when I received the information and the company maintains that it was not fault of theirs and they can not assist me further with my the derogatory mark, and their is nothing to be done to adjust for the error. I asked to speak with someone in the credit reporting department and they replied that the department does not make take incoming calls or make outgoing calls after I asked to have someone from that department call me. 
3. I live on the XXXX. When I made payment for the account it was on XXXX XXXX around XXXX PST. The payment did not post until XXXX XXXX due to the company 's process and the company reflects that I made payment on XXXX XXXX, instead of XXXX XXXX, the actual day I posted the payment. 
Overall, ACS has failed to safe guard personal private information of their clients and they refuse to assist customers, and have caused extremely damaging information to my credit report ( dropped by XXXX points ).
Product: Checking or savings account

I had logged onto my Online Banking account on XX/XX/XXXX to check if one of my bank transfers had gone through, when I realized that my funds were dramatically more depleted than I anticipated. After checking, I found 4 unauthorized transactions between my two accounts. They were through XXXX transfers, however I had received no notification for them like I typically would have with 2 step verification. 

There were 3 transfers from my savings account ( {$700.00}, {$850.00}, {$1900.00} XXXX and 1 through my checking account XXXX {$750.00} XXXX all from XX/XX/XXXX. 

I called my bank on XX/XX/XXXX and they immediately flagged the transfers as fraud. I closed the two accounts and opened new ones. I also changed my security information, and ordered a new debit card. 

However as of XX/XX/XXXX, my bank closed the fraud investigation stating that because the transactions were authorized by a valid device linked to the account, they are unable to honor my fraud claim. 

I had never filed for a fraud claim in my years as a client, and as this was my first I expected a better handling of the case.
Product: Mortgage

In XX/XX/XXXX I called Carrington Mortgage to inquire about my home loan modification. 
I was told it was still in processing. I followed up several times until XX/XX/XXXX when XXXX advised me the paperwork was lost and now invalid due to missing date. They said I would have to go back to XXXX and pay up to date to keep my loan modification. After I filed complaints with the XXXX and XXXX XXXX they sent revised docs in XXXX with an XX/XX/XXXX due date for the new modified monthly payments. I received a new set of documents in XX/XX/XXXX that was signed, notarized and submitted to Carrington Mortgage in XX/XX/XXXX. I received final process documents dated XX/XX/XXXX with my first mortgage due XX/XX/XXXX. As of XX/XX/XXXX, the monthly mortgage amount changed due to their XXXX failure to calculate the escrow correctly therefore it didnt pass quality control so as of XX/XX/XXXX XXXX at XXXX would have new documents sent to me with the correct monthly mortgage payments for signature and notarization. XXXX arranged for a notary to meet at my home. The documents were notarized signed and return to Carrington Mortgage. On XX/XX/XXXX, Carrington Mortgage notified me and my attorney that the paperwork failed quality control due to notary 's county didn't match the county of residence. On XX/XX/XXXX CM arranged another appointment for me to meet with a notary on XX/XX/XXXX. I didn't receive word that the docs passed quality control until XX/XX/XXXX when I reached to XXXX XXXX via email and he confirmed the docs had passed quality control and in the process of having the modification finalized. I emailed XXXX XX/XX/XXXX XXXX XXXX and XX/XX/XXXX because the mortgage due date remained XX/XX/XXXX and was not adjusted based on the revised docs with a correct notarization and final docs not being received until after XX/XX/XXXX. He has never responded to my email. I noticed the forbearance was extended until XX/XX/XXXX which also prompted my emails. I called XXXX today and was advised that the paperwork couldn't be amended because it has already been filed with the county and I would have to pay XXXX and XXXX or my loan modification will be cancelled. I am prepared to pay XXXX since the final docs pass quality control, filed with the county and I received the final doc but not XXXX with invalid docs.