23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF EDXXXX US DEPT. OF EDUCATIO XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF EDXXXX US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF EDXXXX US DEPT. OF EDUCATIO
Product: Credit reporting or other personal consumer reports

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 Account # XXXX XXXX  XXXX : Account # XXXX, has violated my rights. 

I looked at my Transunion credit report on XXXX XXXX, XXXX  and noticed some things are incomplete and not accurate. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00}, that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Debt collection

I contacted XXXX XXXX XXXX numerous times between XXXX and XXXX. I advised that I no longer wanted the service and requested pickup of hot/cold water cooler and empty gallon bottles. I am being charged a monthly fee for the water cooler, even though I requested end of service. I advised that I was entitled to a corrected itemized bill with out the rental fees. I was advised by an agent on XXXX XX/XX/2023 that I will be sent to collections as an 128 day past due, despite the request to cancel service multiple times over the course of several months and request for equipment pickup. I was also advised that they would provide a {$50.00} credit but I must pay in full, despite requesting updated bill that included credit and explanation of rental credit. I was advised that no pick up would be conducted and that the credit will not be provided, I would have to pay bill in entirety. I advised associate that I made numerous attempts to resolve the issue, but previous agents advised that someone would call me back to assist with resolution and pickup of equipment. As of XXXX, it has been well over three months of resolution attempts. The agent yelled at me, advised that no pick up would happen and they will not be providing credit since I refused to pay at this time. I advised agent. I did not want the service in the first place and that I would contact third party for resolution. He advised " I do not care '' This company has subsequently sent this account to a collection agency and has tacked on additional fees for a rental of a water cooler they refuse to take back. They also refused to refund the rental fees
Product: Mortgage

Have applied for a Modification due to loss of earnings and have been denied.
Product: Debt collection

In XXXX of 2021 I started receiving calls from RNN Group ( XXXX ) XXXX. I spoke to the company at lest three times and informed them this was not my debt that the SSN did not match mine. In XXXX of 2021 my company received a garnishment for my wages ; approximately {$800.00}. The information on the garnishment was my name but the address and the social security numbers were incorrect. I had my attorney XXXX XXXX make a filing with the courts to get the garnishment released. I have received two calls from them this week where I have advised them this is not me. My compliant is that they are calling my place of employment and speaking to my employees. It is clear this is a debt collector and my employees can tell. This is not my debt please let me know how I should proceed ; it is my fear they are going to garnish my wages again. 

I entered the SSN of the XXXX XXXX that was on the garnishment in the section that asked for the last four so the company can find the account in question. This is not the last four of my social.
Product: Checking or savings account

On  XX/XX/17    my account was frozen without my consent so I called the bank and I was told to visit a branch which I did and I spoke to the bank manager and she told me they have to closed my account which I requested for my money on the account and the amount was {$630.00} and they told me they can give me the money right away I have to come on the next day because their system ne ed 24hrs to process the   fund.And I came on the next day the manager told me to wait for 14 days to received the check by the mail and I left I waited for  30days  no paid is made to me and I went to the bank again and they told me I incurred a fees for the closing account so they cant give me any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed this incorrect and unauthorized item appeared in my report. I have already files the proper documentation for this and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. CREDIT REPORTING 2. IMPROPER USE 3. IMPROPER REPORTING 4. DESCRIPTION SEE BELOW Be it known that this notice of consumer check and challenge for lawful reporting compliance is officially composed a writ and formal complaint that you are reporting one or more of the following illegally : XXXX XXXX XXXX / Case # XXXX XXXX  XXXX XXXX XXXX XXXX / Case # XXXX -XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX - XXXX  XXXX XXXX XXXX  XXXX / Case XXXX XXXX XXXX  XXXX XXXX/ XXXX Upon receiving my Consumer Report, please provide me with physical proof of compliance and verification. 
You are not authorized to retain or report this allegation if it is not physically irrefutable. 
The use of subterfuge to prove compliance and accuracy of every single aspect of the data is unlawful. In order to ensure that your company retains CURRENT, TRUE, CORRECT, COMPLETE, and MANDATED information in accordance with the FCRA regulation, I demand that you annul any and all details that are inaccurate or not in compliance. 
Please review and ensure your full compliance with the laws governing your practice of reporting consumer credit profiles. 
note : I DO NOT authorize you to mis-report any misinformation now or in the future. 
You must return to or maintain compliance as mandated without injury or prejudice towards me now or in the future.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I took a look a my credit report and noticed some things that were inaccurate and incorrect. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Ive sent a letter asking them to reinvestigate the account listed below : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to XX/XX/XXXX my XX/XX/XXXX statement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XX/XX/XXXX Checking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XX/XX/XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 XX/XX/XXXX refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of the FCRA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX  Inquiries : XXXX XXXX XXXX : XXXX XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Amerihome mortgage has not applied my homestead exemption to my account. The mortgage company was also asked numerous times to remove the foot front door utility tax I am wrongly being charged for. These complaints have been ongoing since XX/XX/2021 and have not been rectified yet.
Product: Credit reporting or other personal consumer reports

In accoraance with the Fair Creait 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  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. 16815-2 ( 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

I was not properly notified of the debt until after it was turned into collections. I have since paid & satisfied the debt. I contacted the debt collector and they stated they will not remove the satisfied debt from my credit report!
Product: Mortgage

Trinity Financial Services is a company built on purchasing old debt and then threatening or proceeding with foreclosure as soon as the value of you home justifies them doing so. We attempted on several occassions to negotiate a settlement with them but their response was to file a notice of default against us and pursue a foreclosure. Even though the foreclosure would net the company less money than we were offering. Their website suggest work out programs but also touts how investors can receive amazing returns on their investments. The tactics and lack of ethics used in our case are well documented and repeated in several cases based on the number of complaints I saw on the CFPB site however they are currently in violation of Reg Z and the servicing laws designed to protect consumers. Since the notice of default was filed we provided the default amount and reinstated a HELOC that was taken out in XX/XX/XXXX ... ... yes they waited 9 years to file an NOD against us. in fact Trinity Financial did not even have the recorded assignment of the deed of trust when the NOD was filed ... which is a violation in an of itself. That said we reinstated the loan in XX/XX/XXXX and have since made two full payments on the remaining balance. to this date as of XX/XX/XXXX we have received absolutely ZERO communications from them regarding our loan balance, loan number, payment received and applied/or not applied ... ..NOTHING!!! I have sent at least 4 emails and made multiple calls with no response or direction. The fact is there is only one department ... ..loss mitigation. When you ask about loan servicing you get the same folks in loss mitigation. This organization is not equipped to service loans and at this time we believe they are violating the law with regards to providing the necessary statements and documentation of the payments received along with what the balance owed is.
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 has violated my rights. 


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 RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) BALANCE : {$410.00} STATUS : DEROGATORY ACCOUNT # XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 


XXXX  XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Product: Student loan

I am the cosigner on the loan for my son. My son graduated XXXX XXXX with a private loan debt {$170000.00} and federal loan debt of {$35000.00}. My son pays the federal and I pay the private. The grace period was requested, however due to financial hardships the account was reported as 180 days past due in XXXX XXXX although over {$6000.00} was paid for XX/XX/XXXX. Regular monthly payments were made as coordinated with the NJCLASS telephone representatives. During a telephone conversation with a NJCLASS representative the amount disclosed for the payment was not clearly identified by myself after a number of confirmations. The confirmed amount that I recorded for the payment was {$1000.00} whereas the amount requested by XXXX XXXX was {$1900.00}. After numerous telephone calls to NJCLASS for the scheduled payment for a number of weeks, each representative informed that the recorded telephone conversation were being reviewed. All attempts to pay the approximately {$900.00} discrepancy were not accepted by NJCLASS representatives and internet access to the account was no longer available. I was never contacted concerning the discrepancy of {$1000.00} and {$1900.00} and the account was directly handed to collections, the attorney office. 
After the account was forwarded to collections, regular monthly payments of over {$14000.00} have been made on this account to collections, attorney office. A number of attempts have been made to refinance this account, however NJCLASS first listed on credit report as " failure to pay '', however updated to " In collections '' which a number of private loan financing with not process. I am still attempting to locate a reputable loan financing company that will process this private student loan. The collections, attorney office, charges additional interest daily which has increased the loan to over {$200000.00}. My issue is the account should have never been forwarded to collections due to the miscommunication in the payment and no consideration was given to allow me provide the amount requested.
Product: Mortgage

Hi, I am under a loan modification program through my mortgage servicer, Shellpoint Mortgage. They should be charging me no more than 2 % on my loan yet they charged 100 % interest towards my payment last month. I have called them repeatedly to correct the matter for the past few months, but they have not responded with a conclusion. Yet I continue to make payments and each one is being assessed the incorrect interest amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 fraudulent collection accounts on my credit ( penn credit and  XXXX XXXX XXXX XXXX. These accounts are not mine. They were NOT open by me, utilized, nor paid by me. Please remove them from my credit.
Product: Debt collection

I sold my home on XX/XX/2019. 

XXXX XXXX XXXX in XXXX XXXX CO claims i owe them money. They received the account 6 days after I closed escrow. 

I keep telling XXXX this and they keep trying to collect money from me.
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 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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