23daVinci/CFPB_Complaints huggingface dataset:
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 168XXXX : XXXX XXXX XXXX XXXX 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 Transunion credit report on XX/XX/year> 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 generally, 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 card

I was billed for an XXXX stay in XXXX of XXXX for around {$880.00}. During this stay I had to come out of pocket for things that were to be in the unit. And for other things, I just didn't have during my stay even though they were advertised. I requested a refund of {$100.00} ... to cover out of pocket expenses. The host approved the refund but I believe there was a typo as it was only {$1.00}. XXXX will ONLY allow you to escalate from there directly to them. I did just that. XXXX refused to assist, I was passed to so many different representatives and told so many different things that after 2 weeks I decided just to dispute the amount with my Barclays card. After submitting my dispute online, I was told by a representative to submit the correspondence either with fax or mail. I have not had a fax since XXXX so I mailed it over a month ago. I messaged them in their secure messaging asking for confirmation one way or the other if they received the physical copy that had receipts/correspondence to back my online dispute and they refuse to give me an answer on whether they would assist with this dispute and protect my purchase. I was never even credited the amount while being looked into. I have had contact about this issue with Barclays no less than 5 times ( online, messaging, phone/chat ). I will have this card paid in full within the next week and have locked it from any other use but I still want my {$100.00} back on my purchase/refund, they can mail me a check. I have attached the dispute in print ( only taking out my full account number ), along with all of the info I send to them including my receipt. Please let me know if there is anything further you need from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted Trans-union on XX/XX/2016 and advised that I was a victim of their inquiry issue and that I had never received notice from them, the customer service rep stated that I was not a victim of this and refused to remove the inquiries. I asked what method she was using to determine that I was not a victim and she refused to give me this information. Trans union is notorious for reporting incorrect information to consumers credit reports and will not remove the incorrect information even when it is brought to their attention that an error on their part was made.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigating of disputed information on my credit report, leaving inaccurate or unverifiable accounts. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX, & Equifax has neither corrected nor removed disputed account XXXX XXXX from my report. This account has been paid & closed. I am requesting immediate corrective action to remove this account. XXXX, XXXX, & Equifax inactions are violating federal laws and my rights as a consumer.
Product: Student loan

I first applied for the Fedloan Serving program in XXXX in hopes of getting loan forgiveness since I've been paying on my student loans since late XXXX or early XXXX and I have been a public servant since XXXX, XXXX. I have never missed a payment to any of the various loan companies that owned my loans. The Fedloan Program turned me down in XXXX, saying my loans, which were originally Federal Stafford Loans, did not qualify me for the Program. In XXXX, XXXX, I was solicited by XXXX XXXX   and told I could get into this program to reduce my loan payments. I was charged {$690.00} by XXXX XXXX to get me into the Fedloan Serving program. My loan payments went down to $ XXXX/month for the first year. In XXXX, XXXX, Fedloan Servicing informed me via email that I needed to recertify my " income-driven repayment plan. Their customer service helped me submit the form XXXX XXXX ) via the internet and it involved the IRS. For reasons I don't understand, Fedloan is now increasing my monthly payments to {$380.00}, effective XX/XX/XXXX. This is a 60 % increase. On XX/XX/XXXX, I called Fedloan regarding this issue. The customer service person suggested I ask for a recalculation and provide pay-stubs rather than IRS information. On the same call, I was transferred to a second agent who listened to my concern and suggested I get out of the Fedloan Program since I really didn't qualify for it anyway and I could save money by going to a regular payment plan with a different servicer such as XXXX which had serviced my loan previously. I feel like I've been miss-lead by the Fedloan Serving Program and by Mr. XXXX XXXX, the case manager at XXXX XXXX ( http : //www.nexum-servicing.com ). After receiving my {$690.00}, I was never able to talk to XXXX on the phone again. He had convinced me I could save money with Fedloan and he told me my payments would go down to {$0.00} when I retire from State Service in XXXX. He told me I would receive loan forgiveness once my payments went to {$0.00}. I have concluded his advise was incorrect and or miss-leading. I regret having my loan transferred to the Fedloan Program because its representatives have indicated I will not receive loan forgiveness for my 20 years of public service. I am very concerned about the cost of my student loan debt, especially since I intend to retire from State service in XXXX. I am also concerned about how I will be able to afford these student loan payments once I am receiving a pension. I am also very disappointed that I haven't been able to " qualify '' for loan forgiveness based on my long years of public service. I think this whole Fedloan Program is complete scam and I have been duped.
Product: Vehicle loan or lease

I applied for an auto loan with ford.com I added all of my information and they ran my credit and approved me for the loan but didnt provide any details on the rate or payments. I called for support to get this information and The agent could not provide me the rate for the loan or the payment amount after applying and receiving approval online. Its a scam to offer approvals for loans online but not inform the customer of the rate or payment and give them to go to the dealership to negotiate a rate. It should be criminal if it isnt already. Very misleading.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax for their failure to address and resolve inaccuracies on my consumer credit report. On XX/XX/year>, I sent a detailed letter to Equifax via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ), outlining several inaccuracies and requesting proof of validation for the following accounts that I do not recognize : XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX  account number XXXX XXXX  account number XXXX XXXX  XXXX account number XXXXXXXX XXXX XXXX account number XXXX Additionally, I requested information regarding three hard inquiries made XXXX XXXX XXXX and XXXX, which I do not recognize. 

Despite my efforts to resolve these discrepancies, Equifax has not provided me with any of the requested documentation or proof of validation as required under the Fair Credit Reporting Act ( FCRA ). This lack of cooperation is preventing me from correcting my consumer report and is adversely affecting my credit score, thereby hindering my ability to obtain a good job, a decent car, and a home in a good neighborhood. 

I am seeking your assistance in this matter to ensure that Equifax complies with the FCRA and provides the necessary documentation to validate the disputed accounts and inquiries. I am committed to resolving this issue but require cooperation from Equifax to do so. 

Please find attached copies of my initial correspondence with Equifax, along with proof of certified mail delivery. Your prompt attention to this matter would be greatly appreciated. 

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

I have notified   XXXX   that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is currently reporting a bankruptcy under my public records under the premise that on XX/XX/2021, the data furnisher XXXX XXXX supplied you with truthful, accurate data to VERIFY the ACCURACY of the information you are reporting on my file which allowed your company to close my dispute with no changes. Your response was that the data furnisher verified the information. How could this be? Attached to this letter will be my XXXX consumer file from before and after this event. ( see section 8- Bankruptcy Records ). This clearly proves that the notion that XXXX provided you with data is a falsehood. There was no data to provide! Please note that I have also been provided the procedures from the court that state that they DO NOT provide ANY records or VERY any records for the credit bureaus. 
During my call with your rep she told me that even though the data furnisher did not verify the account, it would not come off because the company does not know why if there was a public record there before, there is no public record now. This is just a poor and unacceptable response to being in the wrong. The duty is yours to provide accurate data! 
I am sending this letter demanding that you either delete the entry or provide documentary evidence showing that the account was verified. Show me a copy of the documents with the time stamp used to verify the account. Based on the call with your employee, you can choose to report UNVERIFIED information? What made you choose this for me? Now I must question your ethical practices of how you are choosing whos unverified information stays and whos gets deleted! 
Section 609 of the FCRA requires the credit reporting agency to send a copy of the documents used to verify the account and the FCRA states they are required to delete all unverified items. If you do not have documents to verify the account the day you said you verified the account, that means you did not verify the account and the account MUST be deleted. I have not given direct written consent to report any alleged unverified accounts on my consumer report. To do so means you have infringed upon my consumer right to privacy pursuant 15 usc 1692a. Anyone else sending inaccurate information is being false, deceptive, and misleading pursuant 15 usc 1692e.
Product: Student loan

I am a XXXX who is working with Mohela toward XXXX. I should reach my XXXX payments in XX/XX/XXXX. 

In XX/XX/XXXX I reached out to Mohela about lowering my loan payment. It was around XXXX. 

They told me I could apply for the XXXX income repayment plan. I said ok but did t or have the information they needed to apply during that phone call. 

I checked my Mohela account shortly after that phone conversation and saw that my loans were out in deferment. I called and and requested to be out back in repayment because I knew that any time in deferment would not count. 

They processed that request. I did not enter repayment again until the last me or XXXX. 

Now XXXX and XXXX are listed as not qualified for XXXX. 

I provided the information needed to enter the XXXX program. I was told that XXXX would not count either now because it takes a month to process the request. I asked if I still made my payment if it would count and they said yes. 

I then saw on my account XXXX listed as not qualifying. When I called in again they told me that it didnt matter if I made my payment it wouldnt count. 

Every time I call I get put on hold for a long time and they receive different information. It seems as no one there really has accurate information. 

I checked my account and now it is also showing XXXX due for XXXX. I called again and they said my account just hasnt updated yet. I am fearful thats I have just lost out on XXXX, XXXX, XXXX and now XXXX counting towards my XXXX 

I have made a payment for all of those months and they should count toward my XXXX payments I believe they are not properly handling my account as well as giving me inaccurate information.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an accounts opened at XXXX  # XXXX {$330.00} opened XXXX, XXXX XXXX XXXX {$1100.00} # XXXX opened XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX $ {$1600.00} # XXXX opened XXXXXXXX XXXX XXXX {$460.00} XXXX, XXXX  XXXX XXXX {$270.00} # XXXX opened XXXXThese accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against XXXX XXXX XXXX TransUnion What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX 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 TransUnion 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, account have resulted in a account 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 item. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : {$670.00}
Product: Credit reporting or other personal consumer reports

I bought a house with someone I was not married to, but in a relationship with. We are both on the mortgage. We also remodeled while residing in the house together so there is also a HELOC which we are both on. 

I am no longer in a relationship with this person, but they signed a notarized legal contract drawn up by a lawyer stating that that the other party is responsible for these debts, and that I am to be held harmless for these debts until they can be refinanced. 

These accounts should be stricken from my credit report and not affect my debt to income ratio or % of late accounts. 

If given the opportunity, I will attach an electronic copy of the signed, notarized agreement.
Product: Debt collection

I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified please provide " Certified Mail Receipt ''.
Product: Debt collection

Company name : Cavalry Portfolio LLC Account number : XXXX This collection agency is not licensed and bonded to collect from me in the state of OHIO. They are illegally sending my information around to a third party law firm to illegally collect from me and harass me. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company has also no permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lists a charged off credit card account with XXXX XXXX reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and 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 an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from Experian XX/XX/22 and they have failed to comply with the 15 day limitation.