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

XXXX, Equifax, and XXXX ARE IN Violation of FCRA 15 U.S.C 1681a ( 3 ) RESTRICTION ON SHARING OF MEDICAL INFORMATION. The are reporting two collection accounts on my consumer report that is totally inaccurate from XXXX XXXX XXXX. Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an existing phone bill on my credit report for about 3 years and the claim was legitimate, until I paid the debt on XX/XX/2018. I contacted my bank and asked how I could better my credit score, and they informed me I could pay off old debts. They provided me with all the phone numbers of the companies I could contact. I paid {$74.00} on XX/XX/2018 to XXXX XXXX and I have bank statements that verify my claim. I have provided my documentation to XXXX and they will not display this debt as paid. I do not dispute that this debt once existed, but it was paid in full 15 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Past Due Balance : {$630.00} Account Name : XXXX Account Number : XXXX Past Due Balance : {$430.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$99.00} Account Name : FXXXX XXXX  Account Number : XXXX Past Due Balance : {$840.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Past Due Balance : {$450.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Debt collection

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of XXXX This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX  reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Opened a loan with Mariner Finance and I have NEVER been 30 days at more past due on my payments. On the XX/XX/XXXX I spoke with the branch manager XXXX and informed her that I would be making XXXX payment on the XXXX ( my payments are due on the XXXX ) and XXXX payment on the XXXX. I also asked that she stop calling my references and informing them that they are trying to collect a payment. At that time the manager became rude and very unprofessional. I couldnt get a word in so I hung up. She didnt act that way when she left the voicemail on my  DAUGHTERS phone and even discussed options to bring the account current. That Saturday ( XX/XX/XXXX18 ) the same day I made a payment I received a letter of default on my loan. How did I default on a loan thats not even 30 days past due? I simply want them to stop contacting my references and collection/garnishment proceedings stopped if they have started.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE 2ND REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation mu information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 

My Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is : ( XXXX ) XXXX DELETE any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX WITHOUT RECOURSE Enclosed : copy of State ID and Cable bill showing proof of address
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding TransUnion Credit Reporting Practices To Whom It May Concern, I am writing to formally submit a complaint regarding what I believe to be inaccurate and unfair handling of my credit score by TransUnion. Despite consistently maintaining excellent financial habits, my TransUnion credit score remains inexplicably low, and I am seeking an immediate investigation and resolution to this matter.

Details of My Complaint : I have maintained low credit utilization, consistently staying within or below recommended levels. 
I have no recent hard inquiries listed on my credit report. 
My payment history is 100 % positive, with all accounts paid on time and in full. 
There are no derogatory marks or collections reflected in my report. 
Despite meeting all the criteria for strong creditworthiness, my TransUnion score does not align with scores from other credit reporting agencies or accurately reflect my financial responsibility. I have reviewed my TransUnion credit report thoroughly and found no errors that would justify this discrepancy. 

I have kept detailed records of my credit scores from this year, along with all relevant financial documentation, to validate my claim. This issue has caused unnecessary stress and negatively impacted my ability to obtain credit on favorable terms. 

Resolution Sought : A full review and correction of my TransUnion credit report to ensure accuracy and alignment with federal credit reporting standards.

A detailed written explanation of why my TransUnion credit score is significantly lower compared to other credit bureaus, despite my strong financial profile.

Assurance of compliance with the Fair Credit Reporting Act ( FCRA ) and federal regulations.

Please note that I take this matter very seriously. If this issue is not resolved promptly and fairly, I will not hesitate to seek legal consultation to protect my rights and ensure that TransUnion complies with its obligations under the law. 

Contact Information : XXXX XXXX XXXX I expect a timely response and resolution to this issue. Thank you for your attention and cooperation in addressing this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was approved XX/XX/2021 for the amount of {$18000.00}. I signed my DocuSign XX/XX/2021 and according to XXXX I am supposed to be funded within 10 business days. I have verified my identity twice and still have not been funded. Thank you.
Product: Mortgage

Received letter dated XX/XX/XXXX from Freedom Mortgage who has serviced my loan since XX/XX/XXXX. Letter stated that my hazard insurance expired. Letter also stated that they purchased an insurance policy and that I must pay for the policy but I do NOT have insurance. My policy has not expired or lapsed. 

Upon calling Freedom mortgage at XXXX, first the company 's automated message does not identify itself as Freedom Mortgage. Secondly, the agents ultimately tells me that the letter is inaccurate and that Freedom Mortgage has NOT purchased insurance on the account. The supervisor says that CFPB required Freedom Mortage to put the inaccurate information in the letter.

I called Freedome Mortgage XXXX at ~ XXXX am XXXX. During the call, Freedom Mortgage accesses the insurance company 's database and retrieves the information they need. 

There is too much fraudulent activity going on for this type of activity to be permissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Same thing reporting as accurate but different status with both credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian yesterday to ensure that I have both a security freeze and fraud alert on my Experian credit reporting account. 

XX/XX/20 - Called and waited 32 minutes before reaching someone who's phone doesn't work - I could hear him, yet he couldn't hear me. Called again and was on hold for 15 minutes after being transferred - now I've been transferred a third time and expect to be on hold again for a while for who knows what result. I am not able to log into Experian 's website even though I have an account ( apparently from a data migration that wasn't successful, yet those of use affected were not informed ). I did not receive a login email " within 10 minutes '' after my call. 

XX/XX/20 - After not receiving a login email, and now on my third call to Experian, I was transferred to the dispute dept even though I mentioned login issues, and am now at over 3 calls and 2.5 hours ( 32m, 61m, 95m ) on the phone. More concerning, due to a misspell, Experian may have emailed my user information to another email. So much for " security ''. 

It also turns out the fraud alert I asked for was not added yesterday, and I still dont see the security freeze after being able to log back into my account today. In fact, I see my account was unlocked (? ) after checking online. At this point, I have no confidence that my Experian account has a security freeze and fraud alert. 

Experian 's ineptitude affected our mortgage application back in XXXX - fortunately the lender was okay with accepting the other two major agency reports. 

When I called XXXX yesterday, it was a completely different experience. First person that answered right away added a fraud alert, security freeze and even offered a free credit report, all in less than 10 minutes. I have not had any of these Experian issues with XXXX or XXXX. 

How is Experian going to provide seamless customer service instead of bungling everything possible, wasting the public 's time and ironically putting our credit reports at risk by sending login and user information to another email address?
Product: Credit card

In XXXX of XXXX we placed and order with Bjs using our Synchrony master card. XXXX was not supposed to deliver the electronic game system before XXXX. I followed up a day or XXXX after the promised delivery date and was told it was delivered XXXX eve. We were not home and never did get any package at all. 

We have filed dispute after dispute and they refuse to credit us for this. They allegedly left it at our house. We Never saw this item. They are refusing to credit us and Synchrony keeps billing us. We do not use this card any longer and have not at all in XXXX and the limit has been significantly lowered and we are getting interest charges and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number # XXXX I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Never late my payments please remove. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. I also have all my certified mail copy saying it's delivered and i got my return mail slip as well. 

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Again, please provide what I'm requesting because I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX
Product: Debt collection

I already stated that I had full medical that should've covered the cost the time of the situation. They know when customers have full coverage on medical but did not do their job to process customer 's medical instead they want to charge and bill for something we shouldn't be billed for. This is ridiculous.
Product: Debt collection

I got an alert on from my XXXX  Credit Bureau stating that there was an account that went into collection on XX/XX/2019 {$450.00}. I reviewed my credit report and seen that it was Phoenix Financial Services I sent a Validation letter certified mail on XX/XX/2019. Debt Validation Letter was received via Certified Mail on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received 2 more notifications from XXXX  that Phoenix Financial Services has flagged my account as Collections. On XX/XX/2019 I received a letter from Phoenix Financial Services which was a bill and not validation. Phoenix Financial Services has not sent me anything validating the debt.
Product: Credit card or prepaid card

Discover closed my account XXXX weeks after opening it. Letter stated some error that I didnt have a phone number on file with XXXX. This is incorrect. 

I called in XXXX to find out when the remaining deposit of XXXX and change would be refunded. They stated XXXX billing cycles, which would not be until some time in XXXX. 

They were quick to pay the balance of XXXX and change out of my original XXXX deposit and now they wont refund me in a timely manner? This to me is unacceptable.
Product: Debt collection

Frontline asset strategies contacted my husband regarding collecting an outstanding balance for XXXX XXXX. We switch phone carriers in 2021 due to XXXX XXXX  poor service coverage, We paid XXXX in order to stop the harassing collection calls. We contacted XXXX XXXX and was told we owed a balance which we were not made aware of in regards to equipment payment. Our last upgrade with XXXX XXXX was a free upgrade as explained. we do feel this was a set up to steal money from. The stated balance supposedly owed was XXXX however, XXXX settled for XXXX? 

We are requesting all AUTHENTIC documentation submitted to frontline from XXXX XXXX placing this account into collections. WE NEVER received any documentation from XXXX XXXX  in writing. We traveled to the XXXX XXXX store and they pretended having a hard time locating the account which, was in my husband name, We do feel XXXX plus more was stolen from us. Also, the representative stated the collection items would be removed from my husband 's credit report after the XXXX was paid. It would be removed within the same day/hr. VERY SUSPICIOUS!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps opening up Disputes everrytime I contact CFPB with new information in the last 60 days XXXX Has Only Corrected and deleated XXXX XXXX these practices need to be pubilicflly notted for future Law Suits as Exhibits as well XXXX needs to stop trying to sell me services to boost scores etc THIS NEEDS TO BE STOPED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXXVerification2nd submittal This is my 3rd response to this dispute sent to Sterling after I personally contacted XXXX : I just contacted the XXXX XXXX XXXXXXXX, and they also told me they have a record of participating in two classes. I explained what I voiced in my previous email that this organization seems to have lied and was not connected with the XXXX XXXX XXXXXXXX. 
As I statedin my previous email, I attended XXXX classes in XXXX and the organization stated they were affiliated with the XXXX  XXXX XXXX. Now come to find out these documents are bogus. 
The administration stated years ago they had connections in XXXX and the XXXX XXXX but not anymore. I asked what couldbe done they saidfor me to contact XXXX in XXXX. 
When I called the school individualonline statedthe school has changedownershipetc.I 'm out of XXXX USD, plus this bogus Degree.I attended these classes in XXXX  XXXX. Request this item be removed from my background screeningfor the above-mentioned reasons. 
My next action will be to have my lawyer contact your organization to see why the information has not been removed. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$230.00}, XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX Balance : {$210.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

Enhanced Recovery Co.LLC is reporting this debt to credit bureaus without proper validation. I have requested validation and collection agencies keep sending me this excel spread sheet. This is not considered a valid validation. This account has been to several collection agencies and every time I ask for validation they have never been able to validate so they remove it from the credit bureaus. They are trying to collect for XXXX, I did not have service with XXXX during the time shown on the excel spreadsheet. That 's why they cant validate. I had cancelled XXXX, because my son transferred his XXXX service to our address.
Product: Checking or savings account

CFPB, I admit to purchasing a online course through Affirm.com XXXX XXXX for learning piano. XXXX XXXX, based in the XXXX. on his recruitment video 's states a full life time money back guarantee. I have since XX/XX/year> been trying to get this refund. on reflection I will pay the remaining amount of {$480.00} because its a loan they deserve there interest. 

I have sent several emails to XXXX XXXX, showing my attempts to get this resolved along with the recruitment link where XXXX XXXX, makes these statements with a full money back guarantee. 

XXXX XXXX, called me this morning XX/XX/year> saying that they would not do a provisional refund into my account. she stated because I was willing participant i'm not entitled to that. If you lie or make misleading statements that's not a falsehood? That is fraud! 

Today I called three seperate banks and told them the problem. I spoke with Loan officers and ranking member of these banks including my current bank other than XXXX XXXX XXXX. Everyone of them says that XXXX XXXX, should be filing a Non Fraud claim on my behalf. They have a Fiduciary duty to protect there customer.