23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX several occasions I have contacted TransUnion LLC in regards to some allege debt of XXXX that has been reporting on my credit report as derogatory or negative item. I request on many occasion that this credit bureau validate the allege debts but Transunion fail to investigate this allege negative item. NOW I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT BECAUSE TRANUNION IS INCORRECTLY REPORTING THIS ALLLEGE ACCOUNT AND ALSO TRANSUNION DID NOT INVESTIGATE THIS ALLEGE NEGATIVE ITEM. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have XXXX percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX as a negative item on my reporting. It is reporting the allege account as a charge off and collection account it which is incorrect. Now that information is incorrect. The highest balance being reported on this alleges account is also incorrect. Also late payments is showing on this account, past due amount is also showing along with the charge off amount. This is incorrect reporting because account has been sold or transfer to a debt collector. Also these allege account has been Re-Aged and this is illegal. I was this account deleted from my credit files because of On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are XXXX percent accurate, TransUnion still report this allege item without proper validation. The last phone call I made to Transunion in regards to this illegal reporting of this account on my credit file, I spoke to rep XXXX and he asking me to provide him with the accurate information so that Transunion can update their file. Now this is illegal because Transunion should not be reporting negative information with XXXX proof, also because XXXX requested for me to provide him with the accurate information it shows that Transunion did not investigate this allege negative item, and THIS IS ILLEGAL ACCORDING TO FEDERAL LAWS. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have XXXX percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.
Product: Credit reporting or other personal consumer reports

I made several attempts to resolve the issue. The credit furnisher insist on handling my complete and accurate Identity theft form as a regular dispute. I am now moving forward with a civil suit, {$10000.00} for each fraudulent account that appears on my credit file. This civil suit involves the credit furnishers and creditors for defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Equifax and XXXX ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in XXXX, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

SUNRISECREDIT is reporting a fraudulent account on my credit report. I didnt open this account nor did I authorize anyone to do so on my behalf. Please note the uploaded FTC report and my driver license and remove this accocnt from my credit.
Product: Debt collection

I sent out a Debt validation letter to PRA LLC on XX/XX/XXXX. They didnt VALIDATE ANY DEBT INSTEAD THEY SENT A DEBT VERIFICATION!!
Product: Debt collection

This debt of {$14000.00} belong to XXXX XXXX ( EX HUSBAND ) and have been trying to get this removed from my report for a few years now. It has caused me and my children to remain in compromising living conditions ( homelessness ) since the Pandemic. I had mentioned many times before that I am divorced from XXXX XXXX and have been for a few years now. I tried to provide my divorce decree as proof of divorce but clearly this is still lingering and causing harm to my livelihood which is not fair.
Product: Debt collection

I recently found out that I have a medical account in collections which was a surprise to me given I have insurance. I also learned that this debt was having a negative impact on my credit report as I am pursuing homeownership at the moment. I reached out and paid the collection balance in full where i was told that doing so they would remove the account given i was never aware of this debt and had I been it would of never made it to collections. 
That said the account was paid in full a month ago and I was never sent a letter of satisfaction for the account nor was it removed just updated to paid in full.
Product: Debt collection

I have disputed 2 accounts with all 3 credit bureaus none of which were addressed. They came back and said the information was verified but did not provide verifiable proof of the debts belonging to myself. I sent certified letters to the collection companies as well and have not heard back from them. The accounts are XXXX XXXX and XXXX XXXX. I am sure you have heard of both with them having to do with collections. I did not give any authorization for my info to be given to these collection agencies regarding medical bills. The amount for XXXX XXXX is {$1700.00} and the amount for XXXX XXXX is {$1100.00}. I have reached out numerous times but nothing has been resolved. I am asking that these accounts be removed and deleted from my credit reports immediately due to unverifiable proof not being provided and no response from the collection agency with proof. I disputed with XXXX, XXXX, and TransUnion and they all said that it came back verified but did not provide proof. Anyone can just match numbers up with accounts or just get the info from an outside third party and not really do any digging. I am asking that you address this matter Please.
Product: Student loan

On XX/XX/year>XXXX, I submitted a 30-page school misconduct form to XXXX  regarding my attendance at the fraudulent school XXXX XXXX XXXX University from XXXX. My documents were received on XX/XX/year>. On XX/XX/year>, I received a denial stating my loans do not meet the requirements for discharge, although my federal loans were approved for discharge through the borrower 's defense. When I called on XX/XX/year> to inquire about how my loans did not meet the requirements, I was informed that they could not provide any further information due to it being a " pilot '' program. When I inquired about resubmission, I was informed that " there is nothing they can provide me at this current moment in time, and I should consider reaching out to family to help pay the loan. '' During the 60 days I was supposed to be on forbearance, they consistently continued to take money out of my account and mark my account as late. I had to reach out and have the first payment rectified, but another was attempted to be taken out on XX/XX/year> while I was still in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion - I have, for several days, attempted to establish a credit freeze on my credit reporting. I have attempted to do this 3 ways - through their website, their phone automated system, and through their customer service operator. The website is presently unavailable, the automated system directs me to the customer service operator, which always has a busy signal. Transunion does not appear to be able to respond to the need for credit freezes after the XXXX leak.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is a litigation, the balance is incorrect, and I need this account closed not only closed but removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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: Credit reporting or other personal consumer reports

The following inaccuracies on my credit report are incorrect and must be removed as they do not belong to me and may cause confusion or misrepresentation of my personal information. Inaccurate name variation, XXXX XXXX. The incorrect address variation, XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX. My current employer is XXXX XXXX XXXX XXXX, remove other variations of my employer. I request that my credit report be updated to include only accurate and verified information. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c, consumer reporting agencies are required to ensure the accuracy of the information in their reports. Failure to correct inaccurate information is a violation of federal law. Lastly, I encourage a review of my credit report for any other inaccuracies to ensure its accuracy and integrity.
Product: Debt collection

On XX/XX/18, XXXX XXXX XXXX installed a non-OEM windshield in my car. I gave them a check for {$100.00} for the deductible. Later I realized the error that the glass wasnt XXXX glass. After much runaround and sending of photos of the windshield, XXXX agreed it was an incorrect windshield and agreed to have it replaced by XXXX or directly by the dealer. The XXXX representative told me if I went to the dealer, it may take weeks to get the {$100.00} reimbursed and I would have to pay the dealer another {$100.00} in the meantime. Together the XXXX representative and I decided the best approach was to place a stop payment on the check and resubmit the payment at the time the windshield was replaced. I had the windshield replaced at the dealer on XX/XX/18 and XXXX paid the dealer the full amount owed. I assumed ( correctly ) that they had waived the {$100.00} deductible for my inconvenience. I never heard anything more about a debt owed to XXXX until I got a call from Recovery One debt collection. The first call was a robo-voicemail that was cut off at the beginning and difficult to understand but I did hear the word XXXX. If they are counting this as an attempt to contact me, that would be an unfair practice. The voicemail would need to be clear and complete for a consumer to be determined to ignore it. I later got a second voicemail from a person to which I responded. This call lasted 1 minute and consisted of a person berading me for the debt I owed. I attempted to tell her that XXXX was aware of and agreed to the stop payment and that she should go back to them to confirm. She responded, loudly and firmly Im not XXXX and I have a right after 30 days to send this to Collections and thats what Im going to do and she hung up the phone. I tried many time to call back but she refused to answer her phone and there was no voicemail. Since the call was recorded I hope you can hear first-hand how she treated me. I called XXXX back and they apologized profusely, agreed the {$100.00} was waived and said they would pull it from Collections. 

My issues are twofold. 1 ) I need assurance that temporary record of a collection will not become part of my credit record. 2 ) I want to ensure nobody else has to go through what I did. 

I pay my debts and and have a perfect credit rating. But indebted consumers have many reasons why they might not be able to repay a debit on time. Those people are probably already downtrodden and embarrassed and stressed. If they take the time to respond to a call such as the one I received, they should be treated with respect and dignity. I agree with debtors being held accountable but nobody deserves to be demeaned or belittled in the process. Just because the agency has power over the consumer, they have no right to be disrespectful. They should also be required to listen to an explanation and get to the bottom of it rather than say their piece and hang up the phone. In short, they should conduct themselves professionally at all times.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$790.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

I had a self lender loan and after deciding it was not the right decision for me, I canceled the loan. You pay the fees upfront so they allow you to cancel it. In XXXX of XXXX I reapplied and on XX/XX/XXXX I received an email stating that my loan has not been approved. My credit report shows that my last payment was made on XXXX XXXX XXXX and that the loan was paid in full but it was 30, 60, 90 days late. Ive contacted Self Inc multiple times because that loan wasn't approved and that's why no payment was made. They refuse to change the information on either loan. Oh the first one us also reported late even though I reached out and canceled that loan because it was 3 days late. They responded to my email to them 3 days after I canceled the loan. Late payments are a big deal ive even asked if I start another and pay everything on time will they remove these late payments. They said no but suggested that I start a new loan to maybe balance out the late payments.
Product: Debt collection

LVNV Funding LLC flagged my account XXXX XXXX for a debt amount {$2100.00} that I have no knowledge of.
Product: Credit reporting or other personal consumer reports

I sent a letter to the credit agencies to requesting that my credit report be reviewed and to have the negative accounts with XXXX XXXX removed becuase they are duplicate account. I was told that it would be investigated and within 30 days it should be updsted. 

The 30 days went by and i rerquested my credit report and the duplicate accounts still remain and they are breaking all kind of consumer laws by reporting inaccurate information such as.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1666b - Timing of payments
Product: Debt collection

CNAC Car finance company calling outside designated hours and are calling while I 'm at work, which I have asked them not to do and they do not listen.
Product: Mortgage

My mortgage was initiated with this company and immediately sold to my current mortgage holder. Probably a year later I received constant calls asking me to refinance. I asked to be placed on the do not call list and the solicitation calls persisted. I contacted corporate who suggested I block the number. I spoke the managers of the location who ensured me it had been addressed and for a short time it appears it was. Fast forward a couple years and then last Tuesday I was contacted by them again! A young lady named XXXX who would not provide her last name or the names of the managers at the facility. 
Prime Residential Mortgage XXXX XXXX XXXX, XXXX RI XXXX All Im trying to ensure is that I never hear from this company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my credit report I notice that this inaccurate information is still in here, there are inaccurate late payments that I would like to get rid of. These late payments is hindering my life I find it hard to get approved a housing loan and even an auto loan. I am requesting you to please remove the late mark then correct and update the history to never late.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I've noticed some accounts I am not familiar with. I have asked the CRA 's for Validation of Debt, however, the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXX XXXX XXXX and a Validation of debt letter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is posting duplicate on my report it should be only be listed once.
Product: Mortgage

Approximately XX/XX/2020 I had my bank through a payment service mail LoanCare ( a subsidiary of XXXX XXXX ) my mortgage payment the payment amount was {$3800.00}. Loancare received my payment and misapplied my {$3800.00} to the wrong person 's mortgage. Because of the way they send the bills I could not tell that the payment was missing till XXXX. I complained to Loan Care ask them to suspend the credit reporting and ask them to research and find the missing monies. 
Loancare refused to move forward without me providing additional information like a canceled check. Loancare apparently has constructed all of there policies to delay and frustrate consumers so that they can not get proper attention. Nobody that answers the phone is allowed to make any decisions they are only allowed to send emails up and do something called escalate that never happens. 
I explain to Loancare that I gave them the exact date of the check the exact amount and all they needed to do was search on their computer they refused to do so. Finally I got proof of payment from the sending bank ( XXXX ) and sent it to Loancare. Loancare lost my then Loancare submission XXXX times. During this time Loancare continue to report negative credit and knocked my credit down by 100 points. I have been turned down to credit and had one credit card canceled because of Loan Care 's malfeasance and fraudulent actions. In total I spent so far 27 hours on the phone with Loancare representatives and have sent them over a dozen emails. I have requested from Loan Care over a dozen times to send me a copy of every payment they got front and back of checks and when they were received and cashed so that I could then research the missing money. Loancare never responded or sent any of the information requested. 
I asked if they forward emails over to their legal department they never did to my knowledge. Additionally I requested that supervisors or management tthan can make actual decisions call me back. I was told on 9 different occasions that a manager or supervisor would call me back. Loancare has a perfect record I have never been called back. 
After Loan Care finally found my payment and applied it. They applied it incorrectly not following proper accounting procedures. Loan Care has continued to destroy my credit damaging my financial status greatly.

After this instance they continued to lose three additional payments. I will file separate complaints because these are separate in instances.
Product: Mortgage

I am submitting this formal complaint regarding a wrongful charge for force-placed insurance by Superior Loan Servicing on my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX with Loan Number XXXX. Despite multiple written requests, emails, and confirmations of receipt, Superior Loan Servicing has failed to reimburse me for the erroneous charge of over {$2200.00}, even after confirming that I had valid insurance coverage at the time. 
Summary of the Issue : 1. My loan was paid off in XX/XX/year>. I provided all required documentation verifying that my own insurance was in place before they force-placed their own policy. 
2. Superior Loan Servicing acknowledged receipt of my documents multiple times and confirmed via email on XX/XX/year>, that the refund process takes 90-120 days post payoff. 
3. No additional requirements were communicated to me at that time, and I was advised to follow up after 60 days. 
4. Despite repeated follow-ups, I have received no response, no refund, and no explanation for the delay. 
5. My insurance agent, XXXX XXXX of XXXX XXXX XXXX has independently confirmed that all required policy information, proof of coverage, and payment receipts were submitted. 
6. This ongoing delay appears to be a bad faith practice designed to avoid refunding consumers, despite the company 's documented error. 
Requested Resolution : Immediate reimbursement of the $ XXXX erroneously charged for force-placed insurance. 
A formal response from Superior Loan Servicing within 10 business days explaining the delay and confirming the exact reimbursement date. 
An investigation into XXXX XXXX XXXX practices regarding force-placed insurance, as I suspect this may be a pattern of misconduct affecting other borrowers. 
Given the lack of response from Superior Loan Servicing, I am requesting immediate regulatory intervention to ensure compliance with fair lending and mortgage servicing laws.
Product: Debt collection

My grandmother XXXX in XX/XX/2016. My in laws are now all getting calls from XXXX trying to locate the executor and get paid for a debt my grandmother held. These people are in no relation to her nor am I even the person to contact for this let alone my in laws. 

They called her and hassled her making my XXXX very uncomfortable.