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

I am writing a formal complaint against TransUnion for their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/2023, provides clear evidence of their violations of consumer rights and regulatory requirements.

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. Again, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.
Product: Mortgage

I have a re-finance home mortgage through XXXX XXXX XXXX ( henceforth known as XXXX ). It was set-up with an escrow account for home owners insurance as well as property taxes. 

XX/XX/XXXX I received an overdue tax statement from my township stating my winter property taxes were overdue. 

That evening we first contacted XXXX and then promptly followed the instructions in trying to get the delinquent tax notice paid. All information required was provided multiple times via e-mail and fax ( pictures, .pdf, etc ). 

My wife handled the situation until XX/XX/XXXX when I took over because the stress was too much for her to handle with her XXXX struggles. Number of phone calls between XX/XX/XXXX and XX/XX/XXXX is >4 but unknown to me. 

XX/XX/XXXX at XXXX XXXX EST : Spoke with Customer Service Rep and supervisor. Confirmed fax # and information re-requested was received. Feedback was requested by COB. No feedback. 

XX/XX/XXXX at XXXX XXXX EST : Confirmed with local township taxing authority that tax bill was indeed submitted to XXXX. Local tax authority informed me that the issue was handed to the county on XX/XX/XXXX due to the closing of the books. Township also submitted a formal inquiry to try to help me with resolving the issue. 

XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with a different supervisor. Feedback was issue would be resolved by XX/XX/XXXX after amount due and legal description were clarified by taxing authority. Phone call to be received within 5 business days max ( most likely 3 ). 

XX/XX/XXXX : E-mail from township informing me that inquiry was received by service agent of XXXX. Township clarified reconciliation needed to be complete with county and that it was in settlement. 

XX/XX/XXXX : Phone call received by my wife from customer service rep stating issue was still being worked on. She asked them to contact me as I am the primary phone number and have taken over the issue to see it resolved. 

XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with customer service rep and supervisor. Internal inquire supposedly submitted again within XXXX. Feedback requested by end of day. 

XX/XX/XXXX at XXXX XXXX EST : No feedback received. Follow-up phone call initiated requesting support of not only super visor but also next level up manager due to lack of resolution thus far. Confirmed last notes on account was from phone call earlier in the day. No action or feedback other than they are working on it. Manager assured next action would be completed by XX/XX/XXXX. 

Based on previous commitments, expectations of resolution are low by the time the county takes next action.
Product: Payday loan, title loan, or personal loan

Speedy Cash  hacked into my personal account without notifying me when I was making payments and saved my card information even though I have n't changed my banking information and illegally collected the remaining loan amount from my account. These  XXXX  at the banks and IRS think their going to make everyone 's credit decision fraudulently for them because their the sickest  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next 3 installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!
Product: Credit card or prepaid card

I want my statements and documents in XXXX. TD Bank and Target store have indicated they can not. This is against ADA Compliance requirements and even if it is not specifically, I ask these 2 companies, should they? The specialist who tried to assist was actually very nice and in her way tried to assist by informing me I could use my XXXX or XXXX to listen to my statement like her ex boyfriend who went XXXX 3 years ago. She tried her best to assist, and not her fault. There is NO ADA Compliance controls at these 2 Firms and it seems XXXX or people who lack certain abilities, are in a tough spot. I have always admired Target and TD Bank, and it is unfortunate we are dealing with this situation this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the XXXX XXXX XXXX XXXXXXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX  XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( XXXX ), after the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by XXXX, Experian XXXX XXXX  that my account is 120+ days late in XX/XX/XXXX. The XXXX  status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) XXXX  XXXX Loan XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt 0 w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my XXXX, Experian & XXXX  ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

List of accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RAzOR Caital LLC delivered court docs ( XXXX-XXXX personal pages ) to my home simply stapled no envelope ; to a roommate and I believe my privacy rights were violated. This is because new roommate ( non relative of two weeks ) was able to have an opportunity to view docs prior to my getting home. Prior to delivery of summons, Razor opted not to work with me and insisted even with a payment arrangement we still have to go to court if not paid in full by court date. And refused to consider any settlement offer prior to violating my rights.
Product: Student loan

Navient received a total of XXXX payments from me that were never added to my account. The money was withdrawn, but my Navient Account history did not show them. I called ( with a wait time of over 1.5 hours ) to find out what was happening. XXXX of the many phone calls I made said an extra digit was added to my social security on my end. This was just not the case. They saw the money was taken and processed by Navient, but they never contacted me or tried to add this money to my account. I accrued more interest, since these payments were not processed. After another phone call they said XXXX of the payments would get processed soon, and to wait on the other payments. None of the payments ever came through again. So once again I called. Finally they found the payments and said they will be added to my account with expedited processing request. ONLY ONE PAYMENT GOT ADDED. The other payments are STILL not being processed. The only advice I was told by Navient was to CANCEL autopay, and re-enroll in order to lower my payment amount. I followed there direction, but my interest rate when up after removing autopay. I tried to re-enroll in autopay to get my interest rate lowered again, and they said they ca n't process this for two months. I filed a formal complaint with Navient, and they stated they will put another request to process my payments with an expedited request, but still no payment has been processed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Product: Debt collection

Recently, a collection agency named Credence started reporting a {$9000.00} collection account on my credit report. I have no outstanding balance owed to anyone that equals that amount, so I wrote to Credence Resource Management on XX/XX/XXXX, and asked them to remove the error from my report. I also asked, if they beleived the debt was legitimate, to send me a detailed itemization from the original creditor, to verify the debt. Well over 30 days have passed, and this collection agency has done neither.
Product: Mortgage

XX/XX/XXXXDear CFPB representative, I received an updated escrow analysis of my Chase mortgage dated XX/XX/XXXX saying that my escrow account is {$1800.00} short. The analysis is erroneous as Chase ommited to include my future montly contribution of {$630.00} for the month of XXXX and XXXX but yet included my future contribution for XX/XX/XXXX and all future contributions for XX/XX/XXXX and XX/XX/XXXX. Chase also included all potential future withdrawals. I circled the omitted XXXX contributions on enclosed page XXXX of the statement. I called them today and spoke with escalation manager XXXX XXXX XXXX, who failed to answer why Chase failed to include XXXX of my potential payments for XX/XX/XXXX and XX/XX/XXXX totaling XXXX {$1200.00}. What Chase is doing is essentially dropping some potential contributions but including all potential payments and is asking me to prepay a lot of money based on a skewed analysis. 

I am afraid that many Chase mortage customers are indeed affected by their faulty analysis. If there are XXXX consumers each being asked to prepay {$1200.00} from a faulty analysis, Chase could be collecting interest free XXXX from their consumers. It took me a while to read their confusing escrow analysis statement and am afraid that many consumers would not have time to do it. 

Thank you for your time, XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have noticed that XXXX XXXX XXXX, and XXXX XXXX XXXX/XXXX is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Disputed XXXX incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX XXXX. There is no way it could have been any later than this, because I was XXXX XXXX On or about XXXX responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XXXX Contacted XXXX to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XXXX XXXX Last date of activity XX/XX/XXXX. 

Therefore, both XXXX and Credit bureaus are in violation of Fair Credit Reporting. Act.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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: Debt collection

Midland Credit Management has sent me several letters threatening to take legal action against me for a debt that they alledge that they purchased from XXXX XXXX  XXXX XXXX  XXXX. I have answered their letters several times via Certified Mail, disputing the amount owed and offering reasonable settlement. I have sent mail to both their Michigan and California locations.They continue to ignore my responses and keep sending me letters stating that they have tried several times to reach me but haven't received a response, and threaten legal action against me. I recently sent them another letter via Certified Mail on XX/XX/year>, informing them again that I have indeed responded several times and that I will officially file complaints against them with all appropriate agencies, due to their unfair and misleading practices. This was in response to their most recent notice, dated XX/XX/year>, marked as their Final Notice before legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX and was Discharged however, my credit score recently dropped due to Lending Club Corp, XXXX XXXX, XXXX  XXXX XXXX, XXXX still reporting on my credit file.
Product: Debt collection

I'm doing a formal request thru the CFPB to have Citibank CEASE and DESIST any Attempts to collect a balance that I legally disputed, for services not provided. 

This Bank and its incompetents ' employees are ignoring my lawfully request. I'm including 2 mails envelopes from Citibank been returned. One from XX/XX/2023, and another one from XX/XX/2023. 
By the way Citibank has denied and ignored to provide me the terms and services signed by myself when I signed for this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Transunion are companies not bureaus and they have no rights but I do. No consent or permission was given ( which is fraudulent ) to allow them to furnish any of the information they have listed below and I want it all deleted and blocked immediately. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NA, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXX XXXX  WI XXXX
Product: Student loan

I graduated from school at the end of XXXX and have been employed by the XXXX XXXX  since XXXX. XXXX XXXXNavient serviced my FFELP loans and I dutifully made payments until XXXX. There have been several times I sought information about loan repayment options, but was never told I had to consolidate my loans with the FedLoans in order to be eligible for the PSLF program. The options I was offered all carried higher interest rates and longer repayment terms. When I spoke with someone at XXXX about loan forgiveness, they told me I would have to consolidate my loans with them and then make another 10 years of payments in order go qualify for debt forgiveness. It was heartbreaking, but I went ahead and consolidated in XXXX of XXXX. 

When the PSLF was expanded, I jumped on the opportunity and was initially turned down. Later, I received a letter stating that my remaining debt was forgiven which was great. However, I made well over 120 payments that qualified for forgiveness but can not get refunded my overpayments because I had not consolidated sooner. I did not know this was an option or even a possibility. If I had known, I absolutely would have jumped on the chance to have my debt forgiven. It seems absurd that my payments toward loan forgiveness count, but only count up until they reach 120 and after that, I was just throwing money away. I know you deal with much bigger issues, but this just seems very unfair. Is there anything that can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this inquiries, i never applied for this. I believe that i was victim of Identity Theft, somebody used my personal information and applied for this companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I believe I have been a victim of identity fraud. My information must have been compromised during the XXXX  hack or elsewhere because I have accounts showing on my credit report that have no connection to me nor did I ever do business with. Please help me get this issue resolved and get my credit report back to normal before these accounts showed up. They are a credit center company and its reporting 3 times which is super suspicious and also a receivables outsourcing looks like another collection company also and a eastern account system which is also reporting twice. I would appreciate your professional help in this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps adding same collection account after being removed followed a dispute.
Product: Mortgage

During XXXX XXXX and prior to them working with us for a forebearance so we wouldnt get too behind, our lender carrington mortgage continued to show us late, which currently as we are selling and trying to purchase our new home is decreasing our credit score drastically. To be exact, XX/XX/XXXX to XX/XX/XXXX. Plus they were receiving payments during that time. 
As we have been advised this should have never been reported. Is there anything you can do to help our current situation.