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

TRANSUNION has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to TRANSUNION. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. I received a copy of my credit report and found the following items to be an errorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 USC 1666b , A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and XXXX due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

Here is a statement to my credit report describing my situation so that anyone who views my report will see this statement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : File Number:XXXX  Date IssuedXXXX I appreciate the promptly response and I apologize for the inconvenience. I am quite very confused to whom is a third-party resource help me with that information you claim to be invalid of filing number XXXX. Thank you for the continuance of review without the identity theft information, informative also.

I will review and create my own identity theft and human trafficking report and file It, in the mean time I'll attach to the response.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX la XXXX I gave a down payment for my used XXXX XXXX XXXX {$3000.00} cash on XX/XX/XXXX Upon reviewing my contract it states a credit Which is a violation 15 usc 1605 ( a ) ( c ) This contract is now considered fraudulent
Product: Mortgage

I am writing to formally dispute a late payment that is currently appearing on my credit report and to request its immediate removal. I believe this late payment is the result of a technical error on the lender 's end and not due to any negligence on my part. 

I firmly recall setting up automatic payments ( " autodraft '' ) through the lender 's online system. Despite this, the lender claims that autodraft was not established. Additionally, I have experienced numerous technical issues with their website, including repeated failures to recognize all of my computers/cell phones as trusted devices despite multiple attempts to do so. 

Furthermore, I did not receive any communication from the lender regarding a missed payment until XX/XX/XXXX, when I received an email notification. Upon receiving this email, I immediately made the payment in full. 

In their denial letter, the lender stated that they attempted to contact me multiple times regarding the missed payment and would provide records of these attempts within XXXX hours. It has been XXXX days since that telephone conversation with their escalation agent, and I have yet to receive any such records. I have thoroughly checked my email for messages and my phone records for any calls from the lender, but I have found no evidence of any contact attempts. I have additionally offered my records to the lender for their review. 

I believe this late payment is solely the result of technical errors within the lender 's systems, and I urge them to reconsider their decision and remove the late payment from my credit report. I have been a loyal customer of their company for XXXX  years, and I have always made my payments on time. I am confident that a thorough review of this matter will reveal the error on their end. 

Thank you for your time and consideration in this matter. 

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

Someone has stolen my identity opened up accounts in my name. They are opening accounts in fake names I need help to get this resolved.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and someone has applied for products in my name. I ask that the items be removed from my credit report. They are Hard Inquiries. 

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 


Inquiries that need to be removed : 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
Product: Credit reporting, credit repair services, 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 XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed an account with Experian several times about a collections account and address on my credit report. I've never lived or had business with. The investigations come back immediately with no proof of it being my debt. I've contacted the debt collector and Experian. They don't have anything to show me. But on multiple occasions, the debt comes back verified and it's clearly fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account :
Product: Credit card or prepaid card

I recently upgraded my XXXX Amex card to the XXXX XXXX   card, with the understanding that I was eligible to receive XXXX promotional points for meeting spend requirements within the first three months of the upgrade. I exceeded the soend requirements within a month of the upgrade. When I called to confirm, Amex initially told me that I should wait 6-8 weeks for the points to show, but that I was eligible to earn the points. After waiting as I was told, I have still not received my promotional points. When contacting Amex customer service, I was given the runaround and told that a ) no promotional bonus was attached to my account and b ) that I should wait another 6-8 weeks for the team to investigate. It has been over 10 weeks since the initial inquiry, and I still have not received my promotional points despite having hit all spend requirements and paid for all annual fees/payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I ordered my Lexis Nexis consumer report on the internet and was denied a copy. Lexis Nexis is refusing to send me a copy of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a complaint due to the fact that my original dispute with Experian was being ignored since my original dispute date of XXXX XXXX. It took over 90 days for them to respond to my dispute, which should have resulted in the disputed inaccurate items being deleted from my consumer report permanently. However, the accounts are still on my report with no document evidence from the investigation that was made. An investigative report should be done with personal interviews and Experian FAILED to accurately investigate the accounts and provide the document evidence from the investigation. I need these inaccurate and unauthorized accounts removed from my credit file IMMEDIATELY because it is hurting my chances with getting a mortgage, which is help ruin the banking system which in turn ruins the economy!
Product: Money transfer, virtual currency, or money service

I have waited over a year for Binance.us to clear my transactions after attempting to deposit money. The transaction had failed and they had told me to wait up to 10 days to withdraw my funds. This had occurred XXXX. Support keeps telling me to wait up to ten days, even a year later and copy pastes their message instead of personally fixing the issue. I have been more than patient and been in compliance for long enough with Binance.us and don't know what else to do.
Product: Vehicle loan or lease

My daughter and I were the original lease holders for the vehicle. At the end of the lease, my daughter obtained new financing in her name only to buy out the vehicle. Hyundai issued a bill of sale with both of our names on it. The Virginia XXXX will not title or register the vehicle until they receive a corrected bill of sale that shows only my daughter since she is the sole party on the new loan. Hyundai is refusing to correct the bill of sale stating that since I was on the lease, their policy is to issue the bill of sale that includes me. That makes no sense since I did not purchase the car. Now my daughter can not get the car registered rendering it useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2019 there was several thousand dollars in fraud on my credit card. The issues were not resolved and my balance was not corrected until XX/XX/2019. This went on from XX/XX/2019 - XX/XX/2019. I have always been on time and paid. The credit card company gave me a bad report and left me with a past due on my report. After this happened all of my credit cards either closed my account or lowered my limit to {$100.00}. This was hard for me. I have called them numerous times and they keep telling me to dispute it with the credit agencies. I disputed it with them and they said the information is valid. 
I need someone to help me. No one is doing anything about this and I was not late. My account should have been put on hold during this time of fraud. I could not pay during the fraud period because the payments were doubled and the credit card company knew this and I was told I was fine. This late payment should be removed.
Product: Debt collection

XXXX XXXX XXXX Debt amount under account : {$1100.00} Opened XX/XX/year> -- Is a medical debt and is reporting illegally to my credit profile as this debt is not mine nor did I consent to them having my medical information. They are in direct violation of my HIPPA rights. I have sent them a request for proof and validation letter as well as filed an FTC report as this is a fraudulent account/debt. It has been well past 30 days and they never responded, which is a violation of the FCRA.

Furthermore, as an instatement of previous presidential legislation Kamala Harris and former president Biden, Medical debts are no longer legally allowed to be reported on consumers credit profiles.
Product: Debt collection

Lvnv funding is inaccurately reporting on my credit report. Ive told them several times the debt is not mine
Product: Money transfer, virtual currency, or money service

The entire month of XXXX I disputed several charges that just parked up on my card they denied every last one of them saying that they found no error with 12 different disputes and I refusing to investigate properly and recover my funds
Product: Debt collection

XXXX XXXX XXXX calls multiple times throughout the work day, from several different phone numbers, masked sometimes as local numbers and other times not. It is regarding a retail card debt. I have explained over and over to them that I did not make the charge or purchase leading to the debt or unpaid balance. Someone must have fraudulently obtained my card information and used the card. I've asked for them to mail an account statement to me or something showing what these charges are and something official, but have not received anything. They call throughout the work day, every day. I have asked them that if they call, to call towards the end of the work day and not multiple times as it disrupts my ability to work. However, they call several times during day. They threaten to sue me or take legal action and use scare tactics with the unknown consequences of that legal action, and they do not provide written proof of what the debt is specifically or what options I have since I did not make the charges.
Product: Student loan

I have now been on the phone with Mohela 4 times and have sent XXXX online messages to Mohela since XXXX to try to remedy this situation, with no response, conflicting information, and an incorrect payment calculation. 

On XX/XX/23, I spoke with someone who processed my standard payment plan request for {$160.00} and assured me that being on the standard plan was best for me for the few months I need to qualify for XXXX. After XXXX months, Mohela then incorrectly calculated my payment amount to be {$270.00}. 

On XX/XX/23, I spoke with someone again, who assured me that Mohela had made an incorrect calculation and re-processed my application for a standard repayment plan. This person also assured me that the standard plan would qualify me for XXXX because I only have a few months left to go. I was told, and have documentation from Mohela in messages that my payment amount would be {$160.00}. This has been processing since XXXX with no change. 

I spoke with someone today ( XX/XX/23 ) and requested to be placed on emergency or administrative forbearance ( XXXX interest accrual, qualifying for XXXX ) until Mohela can calculate my payment correctly. I was told that she could only place me on a XXXX XXXX, which does not qualify for XXXX. She told me that the standard plan doesn't qualify me for XXXX and tried to pressure me into applying for an XXXX  plan. I told her I was told by XXXX other Mohela representatives and supervisors that the standard plan would qualify me for XXXX since I only have a few months left to go. She told me that I was given wrong information. I told her I have no idea who to trust, since Mohela gave me conflicting information, which literally occurs every time I call. 

I insist that my account be placed on ADMINISTRATIVE FORBEARANCE with XXXX interest accrual and which will qualify me for these months where I would have been paying if Mohela had only calculated my payment amount correctly in XXXX, when I originally applied for the standard plan. Please assist me ASAP and place my account on ADMINISTRATIVE FORBEARANCE until my payment amount is correct. Thank you.
Product: Mortgage

For long time, its 's been a struggle with this company! I have sent in numerous complaints thru this website regarding them. I am so tired of dealing with them. I want this situation to be fixed! 

Our house is to be auctioned on XXXX, XXXX of 2022. We recently filed a loan modification with them and it got denied. We sent in an appeal and it got denied. The reason for the denial is because of credit and income, which doesn't make any sense because we got approved before. We completed the trial payments and because something happened with the paperwork, it failed to complete. The money is in their possession. 

I called again and the representative said that we have 5 days prior to auction date to fill out another modification ( On recorded line ) which we did. It's now in their possession. 

I want a remedy to this asap. I don't want to keep doing this. I don't know why they are making this difficult. They know that they have a bad reputation and complaints. 

Please get this fixed already!
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. 
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  has violated my rights. 

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.

15 U.S.C. 1681B ( 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

45 days ago, on the XXXX of XXXX I sent in some letters asking for the procedure in which some incorrect items were verified on my credit report, and I have yet to get a response. I feel like I'm being taken advantage of and will file for litigation if I have to. Thanks for your help.
Product: Credit card or prepaid card

On monday when i get my unemployment check direct deposit i went on app to make sure it was there could not get on app called number on back of card was told my account was permanently suspended and not told why which i ask how to get my money back from which is over XXXX was told to write a letter to company to ask for it which i did and still no money
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of credit utilization by XXXX - XXXX  on my [ Experian, XXXX, or XXXX ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX - XXXX, specifically account number XXXX - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX - XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX - XXXX  update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX - XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691. 

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information. 

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/XXXX Account number : XXXX XXXX DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number:XXXX DPT EDXXXX Account number:XXXX  DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXX XXXX Date opened : XX/XX/ Balance : {$20000.00}.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a validation letter to Equifax to validate a debt. They sent back a letter each time stating the debt was verified. I also asked Equifax to send me copies of any and all documents they used to verify this account # XXXX from XXXX. This is violation of my consumer rights. 
XXXX US code XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Restriction on sharing of medical information and XXXX XXXX XXXX XXXX ( XXXX ) also XXXX XXXX. XXXX ( a ) ( XXXX ) Permissible purposes of consumer reports