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

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion, one of the major credit reporting agencies, for its repeated violations of the Fair Credit Reporting Act ( FCRA ). I believe that TransUnion has failed to uphold its legal obligations, causing significant harm to my credit profile and denying me access to vital information about my credit standing. 

1. Inaccurate Data on My Credit Report Despite my numerous attempts to correct errors on my credit report, TransUnion has consistently failed to address these inaccuracies. I have filed multiple disputes regarding incorrect information that continues to appear on my credit report. Each time, I have provided sufficient evidence to support my claims, yet TransUnion has either ignored my disputes or failed to correct the erroneous data. This persistent inaccuracy is a direct violation of FCRAs mandate that credit reporting agencies maintain and report accurate information.

2. Denial of Access to My Credit Report and Credit Score For the past several months, I have been unable to access my credit report and credit score through TransUnion. Despite multiple attempts to retrieve this information, I have been consistently denied access without any valid explanation. This lack of access impairs my ability to monitor my credit health and take necessary actions to manage my financial responsibilities. This, too, is a violation of my rights under the FCRA, which entitles consumers to access their credit information. 

I am deeply concerned that TransUnions actionsor lack thereofare negatively impacting my financial standing and potentially my ability to secure credit or favorable interest rates. These repeated issues are causing me undue stress and frustration. 

Given the seriousness of these violations, I respectfully request that the CFPB investigate TransUnion 's practices and take appropriate enforcement action to ensure they comply with all applicable laws under the FCRA. I also request that my credit report be immediately corrected, and that I be granted full access to my credit report and score without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma kept showing me credit cards that I would pre-approved for. So I tried several times, trying every card on their list, only to be denied. This would negatively affect me credit score. This happened several times in the year XXXX
Product: Credit reporting or other personal consumer reports

HAVE MADE NUMEROUS ATTEMPTS TO CONTACT EXPERIAN - THERE IS ABSOLUTELY NO WAY TO SPEAK TO A LIVE AGENT, IMPOSSIBLE TO GET PAST AI. I NEED UP UNFREEZE MY CREDIT REPORT AND UPDATE MY EXPERIAN ACCOUNT INFORMATION
Product: Credit reporting or other personal consumer reports

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Yet again JP Morgan Chase refuses to process disputes as required by law. 

Transaction date XX/XX/2023 Post Date XX/XX/2023 Amount XXXX Merchant XXXX XXXX XXXX Merchant did not provide the requested service and did not provide any resolution to numerous written complaints. 

JP Morgan Chase failed to process the dispute. They replied only with numerous automated form letters totally irrelevant to the dispute. They have not issued a credit as required by law.
Product: Credit card

I am formally complaining against LVNV FUNDING LLC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with LVNV FUNDING LLC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted LVNV FUNDING LLC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that LVNV FUNDING LLC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX Bank XXXX # XXXX this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on XXXX. ok payments XXXX through XXXX for Equifax & Ok payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX for XXXX because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my 1st dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on XXXX reports XXXX N/A XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX for inaccuracy because the payment history reflects last payment XXXX on XXXX. Equifax reports it charged off 60 days late. XXXX reflects nothing. 
XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. XXXX is reporting it as a collection past due as of XXXX. Equifax has it reporting as {$0.00} payment history. XXXX has no payment history reporting. 

I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation.

Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC.

The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. 

I prefer to be contacted only via mail or email for any correspondence regarding this matter. 

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

I am writing to dispute the accuracy and inclusion of outdated and incorrect address information on my credit file. Per the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and verifiable data in my credit report. Additionally, I request compliance with the XXXX XXXX and XXXX standards for accurate and uniform reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has placed financial assistance on my credit record. Now my credit record is damaged. I have contacted Wells Faro several times and they refuse to remove this from my credit record. I only inquired about Covid-19 financial assistance on my home mortgage. I never used it and never missed a payment. I have since refinanced with another lender.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have ask for them to be removed but the bureaus did not do as I asked I am providing a identity theft report from my Experian and I am requesting the inquirys to be removed because they are inaccurate and not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate information listed on my credit report. Specifically, I have identified errors concerning closed accounts, late payments, and charged-off accounts associated with the following account numbers : * 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 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 I believe these entries violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly in relation to Sections 1681i and 1681e ( b ). Under Section 1681i of the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. This section mandates that Experian conduct a reasonable investigation of the disputed items and correct or delete any information that can not be verified as accurate within a reasonable time frame.

Furthermore, Section 1681e ( b ) of the FCRA requires that Experian ensure the information it reports is accurate, complete, and up-to-date. The inclusion of late payments on my credit report is not only inaccurate but violates these provisions, as these entries do not reflect the true nature of my current financial situation. These inaccuracies are causing significant financial hardship, as they continue to hinder my ability to obtain credit and effectively manage my financial responsibilities. The erroneous entries are preventing me from recovering financially and moving forward. 
I would also like to highlight the context behind my financial hardship. I encountered an unexpected job loss, coupled with rising living expenses, which caused a temporary decline in my income. However, these negative entries do not reflect my current financial status and are still adversely affecting my ability to rebuild and stabilize my finances. 
Additionally, I would like to address the charged-off accounts listed on my report. Under Section XXXX of the FCRA, I am requesting the immediate removal of these accounts, as they continue to negatively impact my personal and financial well-being. 
Given these circumstances, I respectfully request the removal of the aforementioned inaccurate entries, in accordance with Sections XXXX and XXXX ( b ) of the FCRA. Please provide written confirmation via email ( XXXX ) of the resolution at your earliest convenience. I ask that this issue be addressed urgently, as it is directly affecting my ability to manage my finances effectively. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I went in to work which is XXXX. A co-worker gave me a message that a friend that I knew named XXXX XXXX called from the number XXXX and to give him a call back. 

I do not know who XXXX XXXX is, but called the number anyway and was told that this was Quad Corp a debt collection agency.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX
Product: Debt collection

Calls business XXXX and leaves pre-recorded message for xxxxx to call. i called back and said it is me but they want me to confirm address, etc. i said i will not answer any questions, but please tell me what debt i owe. he indicated he can not proceed without verification. well, they have enough info to call my business ... .for which i return the call. but i will not give them more ammunition to continue harassing me. i owe no debts to anyone. i get nothing in the mail trying to collect debts other than some college thing from XXXX for {$200.00} ... .that now seems to be $ XXXX depending on what agency is buying it. if this is what they are calling about, i am shocked a college debt 20 years ago is still trying to be collected. i do n't even remember the complaint i had with the original company back then, but there was a reason. the company calling is penn credit www.penncredit.com XXXX.
Product: Debt or credit management

I requested a fix rate. Each time they supposedly helped me I was given an adjustable rate. During closing I was told that if I didnt sign the paperwork they would take my house and my land.
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 Acct # XXXX. XXXX XXXX XXXX XXXX  Acct # XXXX. XXXX XXXX XXXX  Acct # XXXX. XXXX XXXX XXXX XXXX Acct # XXXX. XXXX XXXX Partial Acct # XXXXhas violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Product: Mortgage

I paid PHH in XXXX for the payment that was owed and paid extra to accommodate the next payment. They messed up taking the payments and put me 60 days out according to the paperwork I rec 'd over the weekend. I have spoken to them directly about this issue in XXXX and XXXX - and then nothing was done on their side to credit payments - and they Mailed back the extra money I gave them for additional payments after telling them to apply it to the next months payment. They also over paid my house insurance and gave me no explanation that they had, they didn't have even the correct name of the insurance company and lied about what they had and had not done. 
I have called PHH dozens of times on each issue I have had. The staff is incompetent, if they speak English, at best. They are nasty on the phone. They don't do what you ask, they break the law. They commit Fraud and do so with impunity. How many calls does it take to get them to do the needful? How about asking for an escalation and it took 4 months to get in contact with a supervisor - and only because I have his email could I even write this up over the weekend - as they are closed on Sat and Sun. NO service at all. They deserve to be sued into non existence.
Product: Mortgage

I purchased my home in XXXX of XXXX My first payment of XXXX due on XX/XX/XXXX with a XXXX I dont have XXXX -Nov of XXXX but I can find if needed... .. these are the dates that payment posted to my bank account. These are payments of {$530.00} at a fixed rate of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ( for XXXX ) Paid XXXX XXXX paid XXXX XX/XX/XXXX. XX/XX/XXXX went on forbearance for XXXX mo, with agreement to tack these payments to back of my loan. On early XXXX went into loan modification with XXXX. XXXX picked up loan, XXXX modified again in XXXX ( I'm steady asking for paperwork on this and steady making my payment per origional modification XXXX XXXX at {$510.00}, untill XXXX they raised it to XXXX XXXX XXXX Steady getting forclosure notices past due notices. I kept calling to get paperwork on modification, and why I'm getting all these notices? Everybody gon na look into it and get back with me. NOBODY has EVER called me back XXXX have XXXX dates and times and names of who I spoke with trying to get this straightened out. Never the same person 2 times and nobody knows anything, except, that It shows all payments made on time and XXXX and that they failed to send me doc. to sign so the modification is not valid. I was supposed to be off forbearance XX/XX/XXXX ( STILL ON IT ) told them I didnt want to be on it I have complied with all the rules and because they failed to send me the paperwork It's not effective, Wrong > This is not due to any fault of my own. This is on them I asked several times for the paperwork and got nowhere My beginning loan was XXXX They say I still owe almost that much and all my payments made on the modification have been applied to past due payments ( that I should not have )! It's all a mess and I have tried to talk to them about it They have me starting forbearance in XXXX when in fact I was done in XXXX and started in XXXX ( XXXX ) plus I made a {$200.00} while still on forbearance for a total of {$10000.00} So How can they say I owe all this back payments that are supposed to be tacked to the end of my modification And they upped my supposed payment amount again! XXXX is royally trying to XXXX up my credit and my life. This has caused me undo XXXX XXXX XXXX How can they get away with treating people like this. I am XXXX yrs olds and live alone. I hope that they will be decent people and make this right according to the first modification as it should be, and get rid of past due and non payments and negative credit reports as should of been done over XXXX mo ago!!!!! How many old ladies have they taken advantage of?
Product: Student loan

On XX/XX/XXXX I submitted an Income Driven Payment Plan request to Navient. I am self employed and my incomes has been affected by the Covid 19 Pandemic. I submitted additional income documentation and it was initially rejected due to lack of signature. I have not received any guidance on how to resolve this issue. I contacted customer service on XX/XX/XXXX and was not given any information to resolve the issue my income dropped to XXXX $ in hardships from covid 19. they threatened to have my payments increase if i don't pay. Navient collections department is disrespectful and obscene. I was contacted about a past due debt on XX/XX/XXXX and was advised that I was roughly one month past due in the about of {$50.00} i made this very clear with no direction at all moving forward.
Product: Checking or savings account

Companies closed my bonus checking accounts from XXXX XXXX XXXX  and Saving Account. XXXX XXXX XXXX, Checking and Saving Account, XXXX XXXX XXXX, Saving and Checking Account. XXXX XXXX, Saving and Checking Account. XXXX XXXX 401k Plan ARI Accounts. I haven Internet Online Business Service For Products on XXXX and this is what happen.
Product: Checking or savings account

I do t understand I was a loyal customer why this bank decided to close my business checking account I recently found out I didnt even get to use it deposit to the account and now its closed
Product: Credit reporting or other personal consumer reports

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 : # I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Transunion File Number # XXXX i had disputed is account with Transunion /cfpb/ XXXX XXXX this account needs to be remove out of my credit report.for the following reason XXXX XXXX didn't provide me with 30 day verification Therefore i ask transunion politely to remove this account. this account is not reporting Accurate information is not being reported to other credit bureaus please remove from my credit report asuna possible.