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

I notified Transunion numerous Times. I have sent documentation and letters. I do not have a bankruptcy yet still Transunion refuses to removed it from my credit report. Transunion Lied The U.s Bankruptcy court did not say I have a bankruptcy Transunion Lied.
Product: Mortgage

I tried to resolved this issue about 3 months ago and no response. I'm also holding funds till my settlement check is endorse by insurance and mortgage companies. Please refer to previous complaints. I had spoke to them several times and no results.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I reached out to a person on XXXX who goes by the username XXXX to get concert tickets, as they made a post that they were selling tickets to see the XXXX XXXX at XXXX XXXX XXXX on XX/XX/2023. I reached out to them to inquire more. I told them that I was wary of scammers selling tickets, and after assuring me they werent a scammer, they even stated that I can only pay half and then after they send the tickets I can pay the remaining amount in good faith. I was fooled by the human-like interaction I was having, and ended up sending half the payment, {$180.00}, through XXXX. The XXXX account is XXXX. The scammer kept alleging they didnt receive the money, yet it was already taken out of my account so I told them I wasnt sending anymore. After I realized I wasnt getting the tickets I paid for, I told them to refund me my money. They ended up blocking me and putting the scam back up on XXXX after I looked from a different account. They ended up getting suspended on XXXX and the next day, I reached out to my bank, XXXX  XXXX XXXX, to see what I could do to get my funds back. A couple of weeks ago, XXXX  XXXX XXXX stated that they reached out to the bank that the scammer used, CitiBank, to get the funds back and CitiBank refused to cooperate. I filed a complaint against XXXX already, and they did not give me the response I was looking for. I am a college student who has a lack of funds as is, and the money sent for the concert was from my savings and put me into a depression. Therefore, I am now filing a complaint against CitiBank for the {$180.00} dollars I sent to the scammer through XXXX.
Product: Mortgage

PennyMac continues to delay payment of my contract 's invoices. Payment of this invoices is necessary for my contract 's to order supplies and complete the necessary repairs to my home after XXXX XXXX. Over {$100000.00} of damages need repaired before my family can move back into our home. Meanwhile, PennyMac continues to hold over {$100000.00} in their escrow account while it draws interest for them. I have received nothing but difficulty and obstruction fromPennyMac at every turn. 
The did send one check for one contractor ... .it was for the wrong contractor AND it was for the wrong amount. I had to overnight the check back to them which had to be " processed for 2-3 days '', then they had to wait for their own check to " clear '' before they could re-issue a new check. But then they said they did n't have all the documents they needed from the right contractor to process the new check ... despite the fact that I have fax confirmation showing the documents they requested had been sent a minimum of 2 times each.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

AGAIN : false comments made - 1 ) too few accounts currently paid as agreed- reports show counter ( truth ) " never late, pays as agreed '' ; credit score first time report XXXX, XXXX show XXXX ; 2 ) insufficient number of satisfactory accounts- have satisfactory accounts- more than enough. These falsities have not been corrected NEW : Unable to dispute collections item ( did so with XXXX who removed it ) can't accessTransunion dispute option. ; Unable to add paid off credits with XXXX and XXXX for same reason Have tried several channels given to contact TransUnion none of which are accessible due to having to purchase credit score of monitoring service. 

I hold TransUnion as number XXXX culprit in denial of auto loan, as XXXX was confused by their reports. Have been told by dealership XXXX would have approved me but needed couple of answers but I was denied that information and any contact with XXXX. XXXX 's " secrecy '' as unavailable to this customer has also been audacious. My good credit has been ruined as my credit score has plummeted.

Dealership itself trying to defend itself that it's my not big income, but willing to bamboozle me with a 72 month, {$400.00} payment with their creditor. 

I am convinced that TransUnion plays the part of cohort to deny a good risk person loans.
Product: Money transfer, virtual currency, or money service

I filed my 2022 taxes using XXXX through credit karma as my family has done for years. Apparently there must be a big change in the fine print that I missed. Credit karma has sent me a card that at first I tossed in the recycling. 10 days later I realized it has my refund on it. I then try and use my money, but credit karma has a hold on the account so I can only use XXXX a day or transfer XXXX a day. Its unfortunate for my family who is in desperate need a of car. My only choice is to transfer XXXX a day for 7 days plus 3 days waiting period and then start looking for a vehicle. When you live in poverty hanging onto XXXX grand is nearly impossible. I can`t stress enough the hardship this is putting on me and my children. I need my refund now. Its cleared through the IRS, nothing holding it up except credit karma.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX AND XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Over the course of  XXXX , I accrued a debt with the college I was enrolled at that year,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Due to some college loans/grants/awards falling through, I was unable to repay the amount immediately. I subsequently re-enlisted in the  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . While I was on  XXXX   XXXX , the college discharged my outstanding tuition bill ( {$8300.00} ) to a private debt collector, I believe in violation of SCRA. That private debt collector then assessed {$1800.00} in collection fees while I was on  XXXX   XXXX , also in violation of SCRA. ( Please see  XXXX ,  XXXX  claims debt transferred to ACT )
Product: Student loan

During the time I have been repaying my student loans, a series of late payments were added to my credit report. During the time the late payments were added I was under no obligation to pay them back as I was a full time student at the time. I tried contacting XXXX time and time again with no response. I even hired a private company to address them which after 60+ days of no response I stopped my work with the company assisting me in fixing the issue. Ive tried numerous ways to fix this issue with the company and they have done absolutely nothing!!! 3 total student loans all stating multiple late payments, when in fact there should only be one loan not 3. Ive always made my payments and some when they needed to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans listed on my credit report with Department of Education Nelnet. I have paid each month on a consisted basis since before the COVID 19 pandemic and currently. I did not ask to be included in a forbearance, because I want the payments that I make each month to reflect on my credit report. 

The PROBLEM is Nelnet has not reported the specific amount paid each month on my credit report. Nelnet has only reported to the credit bureaus a statement that explains I am current without the specific amount displayed on my credit report. 

I have contacted Nelnet 7 times regarding this issue. The representative explained Nelnet would reflect the specific payment on XX/XX/2021. Once again Nelnet fail to correct the problem. This is a HUGE issue for me because I am trying to purchase a home. If the specific payment does not reflect on my credit report, the loan company will have to include the entire loan balance in my debt. I am trying to take advantage of the new Biden Administration rule regarding student loans and mortage loans. 

Again, Nelnet should report my current payment plan I am supposed to make each month and the amount I actually paid each month.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On approximately XX/XX/2024, I became aware of an outstanding balance being reported within the credit bureaus on my credit report. I mailed a signed copy of a Debt Validation, requesting any and all information regarding the balance and proof of money owed, to the company listed, IQ Data. As of XX/XX/2024, I have not received any information or correspondence from this company.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i sent letters to Portfolio Recovery Associates acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXX/XX/XXXXXXXX. I have also sent copies of debt validation letters to XXXX XX/XX/XXXX and XX/XX/XXXX only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by Portfolio Recovery Assoc. 

XX/XX/XXXX has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XX/XX/XXXX case # XX/XX/XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.
Product: Debt collection

FTC filed this is not my account nor obligation 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Product: Checking or savings account

Since XXXX XX/XX/XXXX, Capital One 's investigation dept has opened and closed the same case 3 or 4 times to date. 
Recap : I had filed a dispute with a vender when I had not recieved merchenadise to long after ordering. 
The same day I made the claim, the merchandise came in mail. 
I contacted Capital One to ask them not to follow through with the claim. 
.... ( ... why would they complete a task? ) They didn't. 
I was contacted by the vendor that she wasn't paid. 
I paid the vendor personally throught XXXX Capital One reverses the credit for original dispute since they JUST couldn't verify anything. 
I provide the proof of payment. ( Screenshot nof XXXX transaction, emails between myself and XXXX XXXX ( vendor ) and my Capital One account is linked to XXXX if they ever wanted to really investigate ) On XX/XX/XXXX, they credited my account then on XXXX, they took funds back ... .again ... and sent me an email requesting the proof of above, for 3 or 4th time. 
I am done with this process and suspect I am being harassed at this point. 
I want the money back in my account and for this process to end. They are playing with my time and money. Why are they asking for same information over and over? I was told by one rep that the money was to come back in my account in One day and 9 hours last Saturday and by Monday, I was then told it was coming back into my account 1 day and 12 hours?? Then when I asked to speak to a supervisor, she then told me the money was already credited to my account. Last I saw was the money was reversed that am. 
Why any of this is happeneing is beyond me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, westlake financial ( original auto loan lien holder ) and XXXX  XXXX XXXX which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to Westlake Financial to verify. They said to contact Westlake. I have contacted Westlake and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of XXXX XXXX XXXX through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Amount : {$5000.00} I sent a letter to the debt company regarding to this wrong collection record on XX/XX/2023. However, I haven't receive any feedback from the debt company yet. 

I never live in this community before, so the debt collection record is unacceptable. I talked to the staff from the community, they confirmed that there was another person 's name exactly the same as my name.
Product: Credit reporting or other personal consumer reports

Hey there! 

I hope this message finds you well. I just wanted to reach out and discuss an issue I've been having with a list of accounts. It seems that these accounts have violated my rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). 

I've already contacted XXXX, XXXX, and Equifax on XX/XX/XXXX  to ask them to look into these accounts. 

However, they have informed me that everything is complete and accurate. I find this hard to believe, as there are discrepancies in the open dates, dates of last activity, and other important details. According to 15 USC 1681i ( 5 ), they should be making modifications to any accounts that are not reporting correctly. 

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is stated that no one should provide inaccurate information on to a consumer reporting agency. With this in mind, I kindly request that these items/accounts be removed immediately. 

I appreciate your attention to this matter, and I look forward to resolving this issue with your assistance. Thank you for your time and cooperation! 


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

On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to XXXX XXXX XXXX requesting validation of 4 medical accounts from original creditor XXXX, which XXXX is reporting to XXXX and Equifax. In XXXX 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from XXXX to my second letter. I mailed certified letters to both XXXX and Equifax making them aware of these HIPAA violations by XXXX. In my letters, I included copies of XXXX 's response letter to me in full-color copies which show clearly XXXX XXXX letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from XXXX, XXXX, or Equifax after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from XXXX and Equifax on 2 separate occasions. 
1st and 2nd letters to XXXX and Equifax were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The U.S Department of Education is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report. U.S. Department of Education - Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX Under the FCRA the finance charge should be in every consumer credit transaction. 

Under the FCRA the definition of a finance of charge is the sum of all charges. 
12 CFR 226.4 Definition of a Finance Charge Insurance should have been included in this transaction. If it did default, then it was supposed to be handled.

Anything you are trying to charge outside of that, a finance charge does not include cash. This is considered to be fraud.

There is no law that defines that defines what a charge of is. If it was charged off, please what law you used to define it.