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

Subject : Formal Complaint to TransUnion Regarding Inaccurate Reporting of Possible Finance on Credit Report : I am writing to file a formal complaint against TransUnion regarding the inaccurate reporting of Possible Finance on my credit report. I have discovered that the Payment History for this account does not show any late payments, yet the account is being reported as 30 days late. This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
According to the information provided on my credit report, the Possible Finance account is inaccurately reflecting a status of 30 days late. However, there is no derogatory payment history to support this claim. As per the regulations outlined in the FCRA and TILA, an account can not be reported as 30 days late without any substantiated evidence of such a late payment.

This erroneous reporting by TransUnion is not only damaging to my credit score but also constitutes a violation of my rights as a consumer under the FCRA and TILA. It is imperative that this inaccurate information be rectified immediately to ensure the integrity and accuracy of my credit report. 
Therefore, I am formally requesting that TransUnion take immediate action to delete the inaccurate reporting of Possible Finance from my credit report and rectify this error without delay. I expect full compliance with the FCRA and TILA regulations to ensure that my credit report reflects accurate and up-to-date information. 
I trust that TransUnion will investigate this matter promptly and take the necessary steps to resolve this issue in a timely manner. Failure to do so will result in further action being taken to protect my consumer rights.
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account on my record, despite my fifth attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. 
With this, I am asking for your assistance to correct account : XXXX  XXXX Balance : {$6400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$2200.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of 2019 I applied for a forbearance on my Student Loans through FED Loan who was the servicer at the time. Fedloan assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have 90-120 day late payments reported to my credit although I have a letter from FED Loan clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through XXXX, XXXX and XXXX all of which said that FedLoan came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to fed loan over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters and submitted complaints, the Credit reporting agencies have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting erroneous information on my Credit File that resulted from the Identity Theft. It has been drawn out into the open that the Credit Reporting Agencies are not blocking files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are reporting erroneously because of fraud, I will hand my records over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate action so if it's not too much trouble, comply with the law. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; and XXXX XXXX XXXX XXXX XXXX : {$920.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan Servicing is reporting to XXXX, XXXX, and XXXX  that the 8 student loan accounts XXXX were late from XX/XX/XXXX to XX/XX/XXXX. This information is inaccurate and false. I requested a forbearance due to being unemployed XXXX XXXX this was approved from XX/XX/XXXX until XX/XX/XXXX and then I requested a new unemployment deferment XX/XX/XXXX. I have attached the forbearance request I submitted as well as emails indicating my account was approved to be deferred during those periods. 

This information has caused my credit to drop exceptionally with over 6 months of late payments showing when these payments were never late. I reached out numerous times to have these accounts placed on forbearance and a manageable repayment plan directly with FedLoan Servicing. I have asked FedLoan Servicing to update these accounts with the credit bureaus and they have not done so. I have also reached out to each credit bureau XXXX, XXXX, and XXXX  to alert them of this inaccurate information and they have not updated the late payments either, they continue to state they have verified the account is correct. However, none of the bureaus have provided physical proof that this information was verified as accurate. This is not lawful or compliant and is against FCRA 605 b in regards to debt furnishers. I am requesting this negative information be removed off ALL 3 credit bureaus immediately or I will be forced to seek legal assistance.
Product: Credit card or prepaid card

XX/XX/2020 : I ordered XXXX light fixtures from XXXX, each costing {$200.00}, for a total cost of {$410.00} charged to my Chase United VISA credit card account. 
XX/XX/2020 : Two packages were shipped from XXXX XXXX, NJ, Package # 1 ( XXXX   XXXX ) and Package # 2 ( XXXX  XXXX ). 
XX/XX/2020 : Package # 1 ( XXXX  XXXX ) was delivered to me. This package contained one of the light fixtures I ordered in good working order. I do NOT dispute the charge for this item. 
XX/XX/2020 : XXXX posted a delivery exception for Package # 2 ( XXXX  XXXX ), noting that it was damaged in transit, that they were unable to deliver the shipment, and that they were returning it to the shipper. I was not contacted directly about the package except via the XXXX  Delivery Manager email. Package # 2 was NOT delivered to  me, and I did NOT make the decision to return the damaged package to the shipper. 
XX/XX/2020 : Damaged Package # 2 ( XXXX XXXX ) was delivered to the shipper in XXXX XXXX, NJ, signed for by XXXX XXXX at XXXX XXXX. I dispute the charge for this item, which I did NOT receive. 

I should note that I tried to contact XXXX once by email and twice by phone after XXXX  notified me that one package would not be delivered to me. I received no response from the company at all. 

On XX/XX/2020 I filed a dispute on the Chase VISA website for the charge of the fixture I did not receive. The website did not provide for submitting any documentation. On XX/XX/XXXX, I received a letter from Chase saying that my dispute was rejected. 

On XX/XX/XXXX, I sent a letter to Chase via fax, along with all the documentation, to dispute the charge, and I followed up with a phone call on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Chase saying that my dispute was rejected. 

On XX/XX/XXXX, I called the Chase dispute number to plead my case. The person I spoke to reviewed the material and told me that they did not understand that there were two packages sent and that I was only disputing receiving one, not both. She recommended I send another letter to explain more clearly and include documentation. I wrote a new letter to Chase and sent it with documentation via fax and USPS. I was told that the vendor had 35 days to respond. On  XX/XX/XXXX I received a letter from Chase saying that my dispute was rejected for the final time and that they will not consider the matter further. 

My documentation includes XXXX tracking records for two packages, and it clearly shows that one package was delivered to me and one was returned to the seller. It boggles my mind that Chase would reject such an obvious claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for a mortgage loan and we denied it due to the fact that STATE EMPLOYEES CREDIT UNION continues to incorrectly report information to the credit bureaus. I filed a complaint with the CFPB before but all they did was XXXX  out the accounts on the report and listed them as paid. After doing this SECU turned around and started reporting to the credit bureaus that the same accounts are now in charge-off status. I have been proactive in my efforts to have this misinformation corrected but they continue to report it. I have reached out to my local SECU branch and asked for help. The lady XXXX was has been wonderful about trying to help me correct this error but unfortunately, she isn't over this department nor is this her job function. The feedback that i received from SECU was that yes they will continue to report this as a charge-off until the full years of 10 years which in their eyes is until 2024. In the state of NC only judgements can report to the credit bureaus for 10 years. These two accounts I'm speaking of have never had judgments filed on them or me for these accounts. As of now, these accounts are 9 years old and per NC state law these accounts should have been removed and or deleted from my credit report over 2 years ago. I have provided documentation to prove the age of accounts, status they have been moved to since the last complaint I have filed with the CFPB. I have requested in writing for SECU to immediately stop reporting these accounts to the credit bureaus and have them deleted to be in compliance with NC and federal state law. This request has been declined by them and I am asking for the CFPB to please have them delete these accounts as they are reporting them incorrectly and causing my family and I undo hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several items on my credit report with this company are for years prior to XX/XX/2011. I have written this company twice asking that these items be removed from my record to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I the dispute process with the XXXX  credit bureau, Equifax and XXXX  regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from Equifax nor XXXX  but I had received a letter from XXXX, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$6600.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$280.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$650.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

this information reported by Experian is incorrect and had been removed by Experian and re-added to my credit record. 

I asked to get it removed through their online dispute and they have not removed the information that is not on my other two credit report with XXXX  and XXXX. 

please see attached copies that is will upload thanks
Product: Credit card or prepaid card

In late fall of XX/XX/XXXX, I received an offer in the mail saying I pre-qualified for an HSBC Cash Rewards Mastercard and that if I applied before XX/XX/XXXX, I would receive the card whose benefits included a {$150.00} Welcome Bonus for spending more than {$500.00} in the first 3 months. On XX/XX/XXXX, as per the invitation 's directions, I applied for the card by going to us.hsbc.com/cashrewards  and putting in the Invitation Number XXXX. I soon received a letter ( dated XX/XX/XXXX ) saying I was approved. However when I received the card on XX/XX/XXXX, the information accompanying it ( dated XX/XX/XXXX ) said the " {$150.00} Welcome Bonus would be rewarded after I'd spent {$2500.00} in the first 3 months NOT the promised {$500.00}!! I immediately called HSBC on XX/XX/XXXX and again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request the error be corrected. Each time, the representative ( some of their names are XXXX, XXXX, XXXX, XXXX ) promised to call back within 24-48 hours but NEVER DID. I did spend the {$500.00}, well within 3 months. On XX/XX/XXXX, I talked with XXXX via HSBC 's Chat Support. XXXX said that I would receive the bonus after 3 months. But that never happened. In XX/XX/XXXX, when I called AGAIN, the representative said the office that handles rewards claimed I didn't use the Invitation Number. But I did. YOU CAN'T APPLY WITHOUT ONE. Literally. The website screen is a blank space for the Invitation Number. They also said I would receive a letter from " the office '' explaining this. But I never did. This " bait and switch '' promotion is unacceptable. I only applied for the card to get the {$150.00} Welcome Bonus. I NEVER would've applied for the card had I known it required I spend {$2500.00} in 3 months instead of {$500.00}. My documentation includes : PROMOTIONAL OFFER ( which indicates a Welcome Bonus for spending {$500.00} ), CARD PAPERWORK ( where they switched to having to spend {$2500.00} ), SCREENSHOT OF CHAT WITH XXXX ( where he says my bonus is coming ), SCREENSHOT OF WEBSITE ( which shows you have to use Invitation Number so they are lying when they claim I didn't!! ) Thank you ...
Product: Mortgage

I am filing a complaint against Specialized Loan Servicing LLC ( SLS ). At best, SLS has a faulty billing/payment process. At worst, the SLS 's billing/payment process was intentionally designed to charge their customers additional interest and late fees. 

The HELOC loan my wife and I had with this company was at the end of its term, due date XXXX/XXXX/2015. I sent in a final payment to cover the remaining balance for the XXXX/XXXX/2015 billing cycle. SLS received this payment into their account on XXXX/XXXX/15, the due date for the given billing cycle. SLS is now claiming that we still owe {$95.00}. This loan should be closed and the balance set to XXXX. 

This was not the first time that SLS has made an error in their collection process and attempted to charge us for their error. Our loan was sold to SLS within the last year. The first payment that we made to SLS on this loan was recorded as a principal payment rather than a monthly payment. SLS attempted to charge us a late penalty for that given month. My wife had to call SLS to have them register our payment as our monthly payment and to have SLS remove the late penalty. 

With this latest error, I am convinced that SLS ' errors are actually part of the company 's business model - SLS makes errors and then charges unsuspecting customers penalties for SLS ' errors. 

Here is a timeline of my final payment to SLS:XXXX/XXXX/15 - mailed final payment to SLS in the form of a check. 
XXXX/XXXX/15 - the check was deposited by SLS, check is stamped " RECEIVED XXXX XXXX 2015 Teller XXXX ''. ( Please see attached image of check ) XXXX/XXXX/15 - amount of final payment was deducted from my bank account, based on bank account records. The payment was due on XXXX/XXXX/15, SLS received my payment on XXXX/XXXX/15. 
XXXX/XXXX/15 - received XXXX letters from SLS. XXXX stating that there is a remaining balance of {$62.00}, another stating that there is a remaining balance of {$95.00}. ( Please see attached image of letter requesting {$62.00} ) XXXX/XXXX/15 - called SLS at XXXX PT. Spoke to a XXXX, she transferred me to XXXX. Requested that the loan be closed and the balance be set to XXXX. XXXX said that we still owe the balance of the loan. I stated that I am not paying SLS another penny. 
XXXX/XXXX/15 - received XXXX letters from SLS. Both of these letters state that we owe {$95.00} on this loan. ( Please see attached image of letter requesting {$95.00} )
Product: Debt collection

Central Mediation Services .... I get phone calls from  XXXX  and they say they need to " serve me papers '' by  XXXX  on Wednesday  XXXX   XXXX . They started calling my work number on Monday  XXXX   XXXX . I asked them not to call my business number. She,  XXXX   XXXX  or  XXXX   XXXX , called again saying she needed to serve me. They left a message on my cell number to call  XXXX . When I call the  XXXX  number the line just beeps. When I call the  XXXX  number a difference individual answers each time, they do not say the name of the business and then are very ugly and state they do n't call and they outsource their calls and always get hung up on. I spoke with  XXXX  and  XXXX  at the  XXXX  number. My husband and I have both explained they are violating the law and can not call me at work and to serve the papers if that is what is needed. They called again on Tuesday and then today called several different people in my company stating they need to know how to go about serving me at work and they need to talk to HR and my supervisor. They called a bout 20 t imes. I asked them again to quit calling and  XXXX  stated they have the right under the FDC to call and when I asked for a supervisor I was hung up on. They would not divulge who the " outsource '' person was. At this point I am being harassed and I called The Federal Trade Commission and they stated it sounded like a scam but they can not file a complaint without a company name. This is going to cause problems for me at work. Any help you give would be appreciated.