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

We are in desperate need to pull some equity from our home to pay taxes and take care of some financial needs. Lenders require all XXXX credit bureau 's financial data in order to proceed with their loan. I am having trouble unfreezing my credit with TransUnion. 

I have been trying to unfreeze my account for XXXX weeks, with no success. I have tried using my phone ( a flip phone ), a computer, and have talked to them numerous times. I have sent a request by mail to their Pennsylvania office ( that included a copy of my drivers license ). 

I have given them all my personal information and still they say they can not verify my identity. I will be turning XXXX this year and I do not have all the technology skills that the younger generation has. 

I understand the need for financial security, but TransUnion has caused my wife and I financial harm with their stalling my request to unfreeze my credit. 

We ask for you assistance, as we are getting nowhere with this credit bureau.
Product: Student loan

Navient would not contact me about my private loan, only my co-signer. Each time I would call they would indicated that I do not qualify for any modifications and that my address and contact number was incorrect. Navient charged off my loan XXXX 2016 without notice and has continued to contact my cosigner and not me, the primary borrower. They did not attempt to garnish my wages, manage any repayment possibilities or contact me.
Product: Checking or savings account

Deposited cash and upon checking my receipt, at the counter, told the cashier the amount was incorrect and that I was short {$540.00}. The cashier did not count my money prior to putting it into an automated cash counter UNDER the counter where the customer could not see it. He stated he could not get the cash out to count it back to me. An audit of the machine and review of camera footage, per the bank, showed no results. I personally counted the money XXXX times as well as my husband.
Product: Student loan

I am set up on a payment plan with a credit card. In XX/XX/2017 the lender decided that they were no longer accepting credit cards as a payment method. When I called to make the payment with the credit card they told me it had to be done on with a check or debit card because they were no longer taking payments via credit cards. When I asked if their was a notice sent out about this change they said they were n't required to send out a notice to their clients because it was just " a change in operations '' and that I should have been " grateful for being allowed to pay with a credit card for as long as I had. '' A notice would have been nice so I did n't have to default on my loans. I now owe {$2000.00} that I can can pay in a lump sum and the website does n't allow me to pay in increments until the entire {$2000.00} is paid in full. A notice prior to my payment being due could have avoided this entire situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I have asked Experian, XXXX and XXXX to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, for incorrect reporting on my credit. I have also requested for Experian, XXXX and XXXX to remove these account : XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information. 

15U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent.

15U.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.

15U.S.C 1681c ( 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. 

XXXX, XXXX and XXXX have failed to send me an update on the dispute I submitted. I called XXXX, XXXX, and XXXX and they have declined to send me a letter providing me an update of my dispute. When I asked them what information did they request from the creditors I am disputing on my credit, XXXX response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide general account information, not pertaining to my dispute. When I called XXXX they provided general information on what they do on a dispute which was not helpful. XXXX have also refused to send me the letter of the status of my dispute.
Product: Credit reporting

Transunion has illegally refused to investigate the false information on my credit report. I have previously asked them to investigate the false information from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have told them those accounts are reporting false information on my credit report however they have refused to investigate which is a flagrant violation of the Fair Credit Reporting Act. Transunion is illegally refusing to investigate the false information on my credit report which is impacting me greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX on my XXXX, Experian and XXXX   credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Product: Credit card or prepaid card

Capital One absolutely refuses to help with my two accounts that are past due! I have several cards that are past due, and the companies have let me make minimum payments and took away ALL INTEREST FEES!! CAPITAL ONE REFUSES TO HELP!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

*XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} *XXXX XXXX XXXX  ( acct # XXXX ) Balance {$4400.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$490.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  isnt reporting my mortgage payment to Experian!!
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. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report and noticed the above items showing charged off and the XXXX in collections for more than one consecutive month, which extends the statue of limitations of how long an account should be reporting.

According to 15 usc 1681i 5 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ; 1681 s 2 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 or other personal consumer reports

My account with ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ) 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 ( MONTHS REPORTING LATE ) 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. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ) 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: Credit reporting or other personal consumer reports

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED IN THE NEXT 4 DAYS AND SEE DOCS. 



THESE ACCOUNTS HAVE BEEN REPORTED AS FRAUD AND DELETED AND BLOCKED FROM XXXX AND XXXX. EQUIFAX THIS IS 4 ACCOUNTS THATS STILL REPORTING TO MY CREDIT WITHOUT PERMISSION. THIS IS AGAINST THE LAW. PLEASE DELETE IN THE NEXT 5 DAYS. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

XXXX with the executive department refused to assist me, nor answer my questions regarding a fraudulent charge, almost three months ago. Key bank has not investigated the fraud, not shared pertinent information with me, so that I can defend myself legally, against false charges regarding this entire debacle. The person committing fraud, filed false police charges, Key bank said, " oh well, that's your problem and doesn't have anything to do with us. At all. '' Then XXXX copped a major attitude when I refused to allow her to berate and degrade me on the phone about my " many addresses '' and all sorts of outrageous things she felt entitled to inflict upon me. My address instability being the reason they have failed to do their jobs on a basic level, instead of mailing me requested documents that are needed for LEGAL PURPOSES, according to XXXX. Also, that she " would try '' to possibly get me the requested information pertaining to the fraudulent charge, which she clearly had no intention if doing. They have blatantly blocked me from vital information to my case, in particular, what was the ACTUAL AMOUNT of the fraudulent charge. They have been lying to me for almost three months now, that the person who victimized me somehow knew the exact amount in my account and only charged EXACTLY that. Well, that's impossible, and they refuse to answer the question law enforcement has asked me, WHAT WAS THE FRAUDULENT CHARGE AMOUNT? Not a good look.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Portfolio Recovery Associates , LLC Account 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 also states a consumer report agency can not furnish an account without my written instructions.
Product: Student loan

Loan payment is ridiculous. The interest charge is 90 % of the monthly payment. Interest rate is unstable with 16 % or more. The lending company is Navient.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX   XXXX**** XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX  XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX 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: Money transfer, virtual currency, or money service

PURCHASE A ITEM FROM A SELLER USING PAYPAL AND HAVE NOT RECEIVED IT HAVE FILE WITH PAYPAL TO GET MY MONEY BACK AND HAVE NO RESPONDS FROM THEM TO REFUND MY MONEY. YOU TRY TO CONTACT THEM ON THE PHONE AND GET TOLD TO GO TO THEIR WEBSITE TO DO THINGS AND WHEN YOU GO TOTHEIR WEBSITE TO RESPOND TO THE ACTIONS THEIR WEBSITE TELLS YOU THEIR IS A PROBLEM ON THEIR AND YOUR RESPONDS IS NOT TAKEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

9 inquires on my credit was not authorized. I tried to resolve the issue with XXXX  and the company, but the inquires have not been resolved properly
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXXXXXX XXXX  on XX/XX/year> under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX with a balance of {$2500.00} that appears related to the aforementioned personal loan account opened at 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: Credit reporting

On the XXXX XXXX 2016, while trying to get my report online, XXXX kept telling me " unable to complete your request '', I then tried XXXX and Experian and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at the XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the XXXX website. I was advised to file a police report and need the credit reports to do so.
Product: Debt collection

On XX/XX/XXXX I called the Apt that I owe fee of XXXX I asked for an invoice for the charges and they did not have me on file any more due to computer change in XXXX I moved out on XXXX, they gave me the # Pro Collections XXXX XXXX acct # XXXX, I called and spoke with an agent and I asked if we can settle and she no that they do not settle and wanted me to pay in full and I had to pay within 7days and how was I going to pay and I said you are rude and I want to speak with a manager and she said they do not have one! I hung up and was upset
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian illegallly assigend an account to me with out proving authenticity and accuracy. XX/XX/2021 actual amount paid is missing ; What is the scheduled payment amount for XXXX, what is the high balance? What is the monthly payment? Balance for XX/XX/2021 is missing? Delete this account immediately.
Product: Credit reporting or other personal consumer reports

Hard queries have been made that were not authorized by my 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 XXXXXX/XX/year>
Product: Debt collection

I was recently received in the mail a notice of oral deposition in aid of execution filed by Midland Funding LLC. I do not owe this company anything. I never received any communication from them until this notice. I filed an identity theft report and mailed them a letter. I will also file a motion to vacate the judgement. This company is attempting to collect this debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this late off my redit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX at XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX XXXX XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Phoenix Recovery Group does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX, XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

IC System ( No account number ) is listed as a collection account on my XXXX credit report. The alleged amount owed is {$120.00}. 

I have disputed and ask this credit agency for validation of this debt and have not received a response.