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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2024 and XX/XX/2024 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Dear TransUnion, I am writing to dispute unauthorized credit inquiries on my credit report that I believe to be fraudulent. I did authorize the inquiry but I got denied for a loan based from a fraudulent collection account. They removed the collection account as asked. If the fraudulent collection account was not on my report I would have been approved for the personal loan. I couldn't bury my grandmother because of the loan denial. I am requesting that this item will be removed from my credit report as they are affecting my credit score unjustly and essentially ruining my life. I called XXXX XXXX and they told me disputes are placed on Transunion and not through them. 

Personal Information for Verification : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX The details of the fraudulent inquiry are as follows : XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX The XXXX Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

Enclosed are copies of [ any relevant documents or proof of the dispute, such as my ID, I request a prompt investigation into these matters and the removal of these unauthorized inquiries from my credit report. Please confirm the receipt of this letter and inform me of the outcome of your investigation. 

Thank you for your attention to this matter. 

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

I signed up for TransUnion a month ago to check my credit score. Once I was able to sign up, I ended up having a result that I don't have credit history which is actually true because I never signed up to any credit cards or whatsoever. Eventually, I decided that I will just cancel the account since there is no point of reviewing anything if I don't have a credit score. I signed up for their free trial services and eventually got multiple charges on my account. A month later, which is today ( XX/XX/19 ) I got charged for a monthly fee again. I called them and was finally able to speak to someone to cancel the account. I accidentally gave my SSN over the phone. I'm terrified now that I may be a victim of identity theft/fraud. The amounts that were taken were two charges of {$27.00} on XX/XX/19 and XX/XX/19.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Product: Student loan

First, I have been charged student loan interest during the Government stay on Federal loans during the pandemic on multiple held loans by Navient. I will list each below. What they have done is taken off the interest amount and just added it to the principal of the loan. Resulting in my loan increasing during a lawful stay on loans. I'm sure this is not legal or complies with the lending standards. 

Fraud charge # 1 : XXXX XXXXUnsubsidized on XX/XX/XXXX of {$69.00} increase Fraud charge # 2 : XXXX XXXX-Unsubsidized on XX/XX/XXXX of {$240.00} increase Fraud charge # 3 : XXXX XXXX-Subsidized on XX/XX/XXXX of {$63.00} increase Loans XXXX & XXXX XXXX are also reflecting a 6.8 % interest active. 

Second, this caused me to look further into the insanely high balance reflected currently with my account. All these years I haven't had the time to dig in and pursue. I do have that time now. You are showing my total balance of {$76000.00}. 
Adding up all the loans reflecting on my account including interest, loans that were previously cancelled ( i'll explain this further next ), including all costs possible you have on there. I am coming up with a very different number. Including all listed the total amount actually is {$70000.00} at max. This does not include any payments made. Now, unless my calculator and education I paid too much for is failing me that is an issue on their part. I would like to think this would be a simple mistake or oversight from them, otherwise this would be taking advantage of students that are already struggling with costs for higher education. I would expect that to be corrected. 

Third, last but not least. There are a total of 5 loans from XXXX that have previously been filled on to be dismissed due to school fraud ( multiple lawsuits ) and closure. These loans are as follows. 

Loan # 1 : XXXX XXXX-Unsubsidized total {$2700.00} University XXXX XXXX Loan # 2 : XXXX XXXX-subsidized total {$740.00} University XXXX XXXX XXXX # 3 : XXXX Direct- subsidized {$3400.00} XXXX XXXX Loan # 4 XXXX Direct- Unsubsidized {$4200.00} XXXX  XXXX Loan # 5 XXXX Direct-unsubsidized {$530.00} XXXX XXXX Grand total {$11000.00} I can be contacted directly via email at XXXX Cell ( XXXX ) XXXX are the best ways to reach me.
Product: Mortgage

This complaint is againt LAW OFFICES OF LES ZIEVE. ZIEVE, BRODNAX AND STEELE, LLP HAS IMPROPERLY AND ILLEGALLY BEEN SENDING US LETTERS AND RECORDING NOTICE OF TRUSTEE SALE DATED XX/XX/XXXX RECEIVED XX/XX/XXXX FOR A SALE ON XX/XX/XXXX. We are with KEEP MY HOME CALIFORNIA FOR MONTHS AND ALREADY RECEIVED THE TENTATIVE APPROVAL AND XXXX  XXXX ALREADY RECEIVED THE APPROVAL LETTER AND HAD UNTIL XX/XX/XXXX and they have failed to communicate with us and keep lying and unethical saying they did n't know about keep my home California offer to bring this mortgage current and pay see are. keep my home California confirmed they sent all paperwork to XXXX XXXX. We had to reapply to keep my home California and working with them again repeating everything again and now this LAW OFFICE OF LES ZIEVE IS TRYING TO FRAUDULENTLY STEAL OUR HOME AND PROVIDED NO NOTICE and never Heard of this company or scam as we are working to keep home with keep my home california SO THERE SHOULD NOT BE ANY TRUSTEE LES ZIEVE FRAUD LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TRYING TO BE A TRUSTEE. THIS LAW OFFICE HAS ILLEGALLY AND IMPROPERLY FILED PAPERS WITH RECORDER CONTRA COSTA COUNTY See attached
Product: Credit card or prepaid card

I have a cc with the XXXX card under Elan. I have ALWAYS paid my payments on time. In XXXX, XXXX I had a few disputes, one with XXXX XXXX  who tried to charge my card after I canceled the monthly membership, and one with XXXX. With that said, I called XXXX to cancel the card, Spoke with XXXX who was supposed to cancel the card, reissue a new card, and send out paperwork for the disputes. I never received the paperwork, nor did I receive the new cc even though I could validate the time frame in which I canceled the services with XXXX XXXX and provided the information to XXXX along with the dispute with XXXX. I had to call back the XXXX card and file another dispute with XXXX, which was cumbersome, but XXXX did fix the issue with XXXX, sent out a new card, which I never activated, and did pay off the dispute balance for XXXX in the amount of {$800.00}. While XXXX XXXX  is good about waiving late fees they do not adjust interest and continues to bill for the interest. How is one responsible for interest based on reversals? Not logical and does not make sense since late fees were waived and payment was received in full. Due to the fact that I had a dispute with XXXX, interest should have been waived as it was on hold. Once I no longer contested payment, I paid the bill in full. Mind you, I was supposed to receive paper and electronic statements due to a move and I did not. I attempted to resolve the issue on XXXX, XX/XX/XXXX, and on XX/XX/XXXX, and the response I received is we have credited your account for late fees and some interest, but again if the account was in dispute and I did not receive statements, which are not applicable during disputes, then no interest and penalties apply. XXXX Elan is not waiving the fees and in one day I acquired XXXX dollars in interest. Again, I must stress the fact that if items were in dispute and XXXX Elan did not adhere to THEIR policy, how am I responsible for their fees? I am trying to close out the account as it is limited at best. Thank you.
Product: Debt collection

After receiving a credit notification from credit bureaus I was made aware that a collection appeared on my report I contacted the list collection company and requested VALIDATION the customer service representative refused and stated I could contact the original creditor myself as he couldnt provide me the requested information ... .I advised him that I had no knowledge of his company not had I been contacted by them he then give me a address stating it was my address the address he provided is NOT my mailing address so I provide correct mailing address he still stated he would send a bill no validation I told him to remove from my credit file until he was able to provide the information needed he refused ... ... I later received the bill as he stated still no VALIDATION ... I send letter to company asking for validation again with no response I have enclosed the letter to company they have no responded to my request to Validate the debt but continues to report to all three credit bureaus and call to collect ... .This is a direct violation of my rightper the Fair Credit Reporting Act
Product: Credit card or prepaid card

Navy Federal Credit Union has yet to resolve the pressing matter I have disputed with them in regards to the reporting of inaccurate information on my personal credit report, I have no recollection of this account and have previously informed them that I was a victim of Identity Fraud due to various data breaches. Multiple attempts have been made to resolve this issue with Navy Federal Credit Union. Unfortunately, the problem remains unresolved.
Product: Credit reporting

In XX/XX/XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XX/XX/XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.
Product: Credit reporting or other personal consumer reports

I am a human trafficking survivor these accounts listed aren't mine please help me rectify this. 

I have no knowledge or connections with any account listed. 


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

Ive been using XXXX XXXX to rebuild my credit. I have an account with a company that is paid monthly sometimes I paid more than usual monthly, therefore, late payments should never be reported to the credit bureau. 


Were currently in XXXX I have {$400.00} more than the amount Im supposed to. 
My contract end XXXX XXXX
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : 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 TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. XXXXRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. 
I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

This collection agency agreed this would be removed. The credit reporting agency is refusing to delete this trade line and history.
Product: Mortgage

On XX/XX/XXXX I paid {$87000.00} to the US Bank Home Mortgage company for XXXX XXXX XXXX XXXX XXXX Connecticut XXXX, to pay off monthly mortgage payments that were due from XXXX to XX/XX/XXXX. 

Thereafter, I made the following monthly Mortgage payments in the following order : On XX/XX/XXXX, I paid {$1100.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 

Before I paid {$1100.00} on XX/XX/XXXX as had been ordered by the US Bank Home XXXX XXXX XXXX the company had reported me to the Credit Bureau for late payment for thirty days on XX/XX/XXXX. I have already made seven more payments since when I paid {$87000.00}, ( three payments last year and 4 this year ). 

Sir, since I had already paid for the month of XX/XX/XXXX when I paid a lamp sum of {$87000.00} on XX/XX/XXXX, the payment of the {$1100.00} which I paid on XX/XX/XXXX, was supposed to cover for the month of XX/XX/XXXX. 

Sir, the US Bank Home Mortgage had no right whatsoever XXXX ) to report me to the credit Bureau since the month of XXXX was already covered at the time it made the report to Credit Bureau. 
XXXX ) To lied to the Credit Bureau that I was late one month on XX/XX/XXXX, in its falsified report. 
XXXX ) To grab my XXXX payment I paid on XX/XX/XXXX with the lamp sum of {$87000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was miss-charged by a company on my XXXX XXXX credit card. The company was taking excessive time ( over a month ) to correct the issue. I filed a dispute claim with XXXX XXXX for a fraudulent charge. XXXX XXXX corrected the matter with the company and I was charged the correct amount ; which was less than 1/3 of what they originally charged. The overcharge caused my credit score to drop by about 30 points because it almost maxed out my card. I informed Experian of the matter, by opening an electronic dispute. Their system says that the dispute is open and closed ( resolved ) at the same time. 

I can not get in contact with them. There is no email ( which they use to have active ) and every number you call doesn't allow you to speak to someone, without paying for the membership service. This is hurting my score and I can not apply for my VA refinance of my mortgage until it is corrected. How can they cut off all methods of communication to them when there are issues with their system and with them? 

Can someone please do something to fix this for everyone, as I know I am not the only one with issues with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I C System added a derogatory mark with the amount of XXXX USD on my credit report XXXX, XXXX and XXXX  ( Can be seen from XXXX XXXX as well ). Upon, further research, this account was transferred/sold from XXXX to I C System and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, I C System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.
Product: Mortgage

I apply for a mortgage loan and the rep took months and keep on asking for the same info over and over, spend money on special reports he asked for and never told me about my application. Called several times no answer and finally started we did qualify, no reason given..
Product: Debt collection

I am seeking a letter containing the lump sum, how to pay any lump sum, including the ARSI account number, and where to send any payment, with a cashiers check sent certified mail. I do not get through to anyone who can provide this information, so far, in 2 weeks of trying. I mailed a priority mail ( tracked ) letter two weeks ago, seeking information in writing. I am still waiting for it. XXXX  wont take money and cant or wont provide an account number to even access the ARSI website to allow payment, despite XXXX not selling the debt ( based on calls to XXXX ). ARSI is collecting for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to identify the accounts reporting, and I was sent a letter stating that everything was accurate. After refreshing my report, I found improper accuracies even after they said that they did a full sweep. 

Here are the accounts : XXXX XXXX Account XXXX XXXX. XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX In accordance with the Fair Credit Reporting Act Convergent Accounts listed above, has 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 an account without my written instructions.