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

I am filing this complaint against TRANSUNION, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis. 

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights.

3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, On my XXXX  report, I disputed the two XXXX XXXX XXXX trade lines.The two closed account have separate account numbers.I disputed both closed accounts for incorrect information and requested both be deleted from my XXXX  report.On XX/XX/2020, I recieved the results from the dispute from XXXX and both XXXX XXXX trade lines was deleted as I requested.The Two XXXX  XXXX XXXX trade lines on my Equifax report are showing closed and Im requesting the two trade lines be Deleted as .Therefore, Im requesting the two XXXX  XXXX XXXX  trade lines/accounts be deleted/removed from my Equifax report
Product: Debt collection

On XX/XX/24 I received an email from XXXX XXXX a debt settlement company in regards to a debt that has been sold to them from Security Credit Services which I currently have a case open with because they are currently reporting the same debt under my name which I provided documentation that Security Credit Services requested providing a police report, Affidavit and Identification. I received an email from XXXX stating that this debt had been sold to them and they are now requesting for me to pay this debt that is not mine. I have provided Unifin with the same documentation that I gave to Security Credit Services but there was no response back via email which is how XXXX from XXXX contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters certified mail and have not received any original contracts. 

Also have not been removed and have been illegally reporting on my credit file and putting debt on my report and hurting me. 

For example XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

XXXX
Product: Debt collection

This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the XXXX card showing that the received the validation request over 60 days ago.
Product: Debt collection

I have already filed a complaint a few weeks ago. Since I did that they are calling me even more. Its harassment they call me nonstop one time after another after another. They will call me all day long. When you answer the phone it is portfolios recovery. If you try to call the number back it says this number is disconnected. It is illegal to use spoofed numbers I have a list of the phone numbers they have called me off of just today in the past two hours. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these calls are from portfolio recovery all of them are not actually their phone numbers and they wont stop. They also use profanity and swear at me when I tell them to stop calling me. I want something done about this.
Product: Debt collection

I requested a dispute on the collection debts on my account.These are not my debts.I have no knowledge of these accounts.They belong to some other individual but are not mine.The disputes were completed under falsification.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX  have sent over several request to in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation.
The company has already exceeded the time allowed to address the concerns.
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal.

Tracking numbers:

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

First, I made a payment of {$1500.00} before the cut off time on statement close date. Pursuant to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by XXXX XXXX. local time at the Payment Address will be credited as of the date of receipt. '' This payment posted on XX/XX/XXXX the same date of statement closing on XX/XX/XXXX. XXXX XXXX incorrectly reported the balance as {$3300.00} to TransUnion and XXXX. When it should have been {$1800.00}. This error incurred by XXXX XXXX caused a drop in credit score. My account balance reporting should reflect {$1800.00} per your agreement and paying on time. 

Second issue, this was a no interest no payment credit line available for 12 months ( no interest paid in full ). When viewing my account minimum payment due was {$65.00} for XX/XX/XXXX. I paid this today ( XX/XX/XXXX ) but why is your credit product offering and marketing different than what has occurred on my account? 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXX Balance : {$1100.00}
Product: Debt collection

I was in an accident that resulted in my vehicle being a total loss on XX/XX/18. I informed prestige financial I could not afford payments because of pending medical claims I had due to injuries from the accident. I informed them once a settlement was received I would take care of remaining balance. On XX/XX/18 a representative from prestige financial called another branch in XXXX XXXX va from XXXX to verify employment and the address. my correct employment information and phone number was listed in their website and has never changed and they were aware of why I have not been able to make payments.
Product: Credit reporting or other personal consumer reports

The following CLOSED ACCOUNT on my credit report : XXXX XXXX XXXX XXXX is reporting on XX/XX/year> for the amount of {$4500.00}. Under the Fair Credit Reporting Act ( FCRA ), Section ( 15 U.S.C. XXXX1692g ) ( 15 U.S.C. ~ 1635 ), YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit profile, it had incorrect information on it. I am sending documents to have my file updated and all other information I want removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The company ( insert collection company ) purchased a debt from another company and i had no involvement in the transaction. According to 15 USC 3002 i am a natural person which means my name in all caps is not me. My name is ( insert your name ). Per 15 USC 1692a ( 1 ) The term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus. There is only one bureau and that is the Consumer financial protection bureau.
Product: Debt collection

Received email stating I owed a debt to some company called XXXX XXXX XXXX XXXX that was past being sued for in court or reportable to credit reports. The email was from a group called TrueAccord address of XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX phone # ( XXXX ) XXXX. 
The email claims that I owe money and they will settle for a fraction of the original debt. 
Company is violating Fair Debt Collection Practices.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXXXXXX  with a balance of {$660.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XXXX, My boyfriend, XXXX XXXX XXXXnd I contacted SunTrust Truist Bank about our Home Morgage Loan that was in default, we had both been out of work for well over 2 years due to the pandemic and couldn't pay our mortgage, however when I contacted the bank, they instructed me to go on their website and download their paper work for their home Preservation documents, however when I done that, they denied us any help, they informed me that they couldn't help us because they didn't have time to review our documents, but we had started sending them our paper work the first week of XXXX but they kept stringing me along telling me that they had lost the paper work or that I needed to add another form until finally they sent us a letter saying that they couldn't help us. 
I even contacted the XXXX XXXX and ask them for help and they denied me any help as well. I just don't understand where the funds are going to that our government sent to these Programs to help people who are struggling, yet the ones of us who are really struggling can't get any help. 
Long story short, we are going to be out of our home, with no where to go and no one to help us, when I have seen people with my own eyes that have received {$11000.00} from these programs and they don't even pay rent. And then the ones of us who need their help, they turn their heads the opposite way, is it something personal, is their something I missed? Perhaps I should have lied to them like the other people and maybe they would have helped me. 
I feel like the bank forclosed on XXXX illegally while we were trying to get help and being reviewed for eligibility, they violated their due diligence and the Duel Tracking Laws. 
Please help us
Product: Student loan

I enrolled in medvance institute in XXXX. They mislead me about student loans. They stated I could relieve quite a deal of money back by them submitting all the paper work in themselves instead of me paying in full or taking out a personal loan. The cost to attend this school was, {$860000.00} in XXXX. 
I believe I was mislead by this school on student loan.My loan was then sent to Navient. 
At the time the o was out of work then only could find part time work. Navient always revered my to forebarrsnce. Presenting it as a better option for me because I could not afford the XXXX payment a month. They never have me options of income driven plans. Or divided the huge accusation of interest. I feel they did not take the time to talk to me about ALL my options. Today the loan is {$25000.00}. I work full time and can pay a monthly payment. The payment they want is about XXXX XXXX a month which is something I can not afford so I enrolled in the income plan. It now is XXXX a month and of course that barely goes to interest and the keep tacking on XXXX a month because I could not pay a past dues amount that accumulated when the income driven plan took longer time to get approved then the generation of monthly payment. So now I am almost XXXX past due and a monthly payment of over XXXX due to XXXX in last fees each month. Barely nothing goes to interest. In XXXX my payment starts to go up to over XXXX a month. I am horrified my principle loAn is almost XXXX more now. I feel Navient steered me into what was easier for them and was better for them to receive more money. I wish they would have taking the time to really discuss things with me. They are always hostile when I attempt to contact them and discuss loan details. THEY CALL ME EVERYDAY EVERY TWO HOURS. WHICH IS HARRASMENT I now make a payment of XXXX a month hoping a small amount will go to the past due. They have informed me to take out a personal loan to catch up. Instead of giving me a payment plan to do so. 
The point of this complaint is started with the original loan pressure and lack of explanation and now Navient 's handling and fauie to take the time to communicate details and pressure of forebarence My complaints fits most all of the Catagories listed
Product: Credit reporting

I disputed my navient student loan for a Balance of {$37000.00} with Experian and it was updated incorrectly as all of my navient student loans were just included in a direct consolidation loan from XXXX. This account has been paid in full and closed and by it continuing to report is affecting my debet to income ration by XXXX.
Product: Credit reporting

XXXX, XXXX and XXXX, XXXX have been misreporting to credit bureaus causing me a lot of credit damage - no housing loans, no credit increases, no new credit cards etc. Wrote to all parties concerned but no results as of writing this complaint. I have been writing to concerned parties for nearly a year but the credit providers would not give me documentation in support of alleged debt. Sent legal letters a couple of months ago and no response forthcoming.
Product: Debt collection

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I want to make it unequivocally clear that I am not about to let this gross XXXX of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute letter. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 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 DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPTED/XXXX XXXX DPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX Pursuant to 15 usc 1692g ( a ) ( XXXX ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( XXXX ). 
Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Federal Credit reporting Act, these Creditors violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code Section 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I dont understand why there are incorrect accounts showing up on my credit report this morning. I check my report regularly, and its always been accurate until now. These errors appeared out of nowhere, and refreshing my browser didnt fix itits not just a glitch. I am begging for the documents Ive provided to be examined thoroughly so I can stop feeling so helpless.