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

In response to the two previous complaint numbers, XXXX XXXX, that I, XXXX XXXX XXXX have filed against TransUnion, in which you claim I am not an authorized party on the complaint. 
As a result of your continued stall tactics in your attempts to disregard the law and not investigate my complaints in a timely manner, I have to advise you of the following. If you continue violating my consumer rights, the next complaint will be complimented by a legally binding FCRA 616 and FCRA 617 Statement of Affidavit, outlining the compensatory damages that I am owed as a result of your non-compliant behavior and violation of my consumer rights.

Thank you and God Bless My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

Accounts showing erroneous reporting patterns or unverified XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX #  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. On XX/XX/XXXX, TransUnion Consumer Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA non-compliant account history to this CFPB complaint 2. On XX/XX/XXXX, I sent TransUnion a copy of such non-compliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Transunion to provide me with clear proof that they have conducted a thorough investigation into the validity of these four accounts.Suchdocumentation was received by Transunion on XX/XX/XXXX. 3. TransUnion responded to my dispute on XX/XX/XXXX and XX/XX/XXXX by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts 4. I have attached proof of these reporting errors along with USPS receivable documentation. Note : XXXX XXXX XXXX XXXX  - XXXX  XXXX # XXXX hasn't reported since XX/XX/XXXX, and FIRST XXXX XXXX XXXX XXXX XXXX has reported unknown activity on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX yet both accounts still appear on my credit report as active accounts. This does not in any way satisfy FCRA guidelines. There's no way for TransUnion to verify, nor can they explain the gaps in reporting activity. Please delete both accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Student loan

I had to keep applying for a forbearance because the amount of interest and loan that I owed is just impossible to pay back. Each time I paid, navient would apply more towards the interest owed then the principle amount owed and it keeps adding more to my total! It is impossible to keep up and pay down my loans from navient because they are just applying where ever they want to and not letting me pay down my loans! I feel I have been paying the same amount off for 5 years! They are stealing my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to TransUnion Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance $ {$2500.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$28000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$790.00}
Product: Credit card or prepaid card

On XXXX I reported that my ex husband, a known hacker, hacked into my XXXX account and stole 5 vanilla gift cards and used one {$50.00} card to Vanilla gift card disputes. Vanilla then froze the remaining 4 cards, totaling {$200.00} so no one can use them and reimbursed me the {$50.00} my ex used but failed to reimburse me in the other 4 unused cards totaling {$200.00}. On XX/XX/XXXX, I phoned in follow up about the cards and was told not to contact them again until after XX/XX/XXXX, XXXXbecause those cards are being reviewed and a decision would be made then. On XX/XX/XXXX, I DID fax Vanilla disputes, ALL the required information they needed to process the refunds, which was a copy of my purchases, a copy of my drivers license, a copy of a current utility bill showing my physical and mailing address, and the form they provided me for processing. 

On XX/XX/XXXX, I followed up again on the cards. They decided to go ahead and send me my refunds. It was around XX/XX/XXXX I received the {$50.00} gift card reimbursement on the card my ex used with a letter that they determined he had made fraudulent purchases from that one card but still no word on the other 4 gift cards still totaling {$200.00}. I decided to be patient thinking the rest was coming soon. 

On XX/XX/XXXX, I phoned Vanilla to inquire about what happened to the rest of the case, the other 4 gift cards. I was told they were processed and were being sent on XX/XX/XXXX. I waited all of XXXX and nothing came in. 

On XX/XX/XXXX, to the present ( XXXX, I made numerous calls and to Vanilla and by now, no one knows anything about my case. I need advice on how to proceed next. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Case # XXXX
Product: Debt collection

This medical debt was associated with emergency care while on a trip to Florida in 2014. I am a veteran I use Veteran health care system the Veterans administration was legally bound to cover this medical expense. the payment should have been made by the VA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Enclosed is a copy of my Identity
Product: Credit card or prepaid card

When i want to the store i purchased the card once i made it home i tried to activate the card which they said the card was already activated in someone else 's name and all my funds was already moved to somewhere else
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all  XXXX  credit bureaus about hard inquires made on my account without my authorization. I have also tried to go directly through the dealerships who did this no help. There are numerous inquires on my credit that I did n't authorize. I specifically told dealerships no more than  XXXX  and then I look and see multiple. Some of them are multiples inquires from the same place and should be removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice that I have fraudulent accounts on my report. I demand these accounts be removed from credit report because they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

All payments as been paid off, I have dispute this multiple times, no solution, called to have it deleted the agent was not helping, when I paid it off, I did not get any email confirmation, and every order day I get calls from the debt collector. All I need is balance to be updated and deleted from my account.
Product: Mortgage

My hardship started on XXXX XXXX, XXXX. When my wife XXXX had an accident at XXXX leaving her almost XXXX, this was a really stressful time for us. Due to my wife 's health I was forced to miss many days from work, my previous employer just could not work with me missing days, or sometimes I needed to leave early to take my wife to her XXXX. I always provided a doctor 's note to my boss, but however he was looking for an excuse to let me go due to missing many days of work. Shortly after I got fired from my job, this was a major blow because my wife was not getting any income, we depended on my income. Also hospital bills were coming higher every time and we could n't afford the mortgage as well. I was fortunate to get hired at XXXX XXXX XXXX As a XXXX on XXXX XXXX, XXXX I am making {$750.00}. Bi-weekly at this new company. Also my wife XXXX is only getting Social Security income of {$710.00} per month she stop receiving the workers compensation since the end of the year. As you may check on my bank statement the last month she received workers compensation was on XXXX XXXX, XXXX. This brings our income to a total of {$2200.00} now I did inform Wells Fargo in regards to this change of income during the appeal process, but Wells Fargo decided that the trial offer was affordable even with my loss of income. This is really frustrating because Wells Fargo want me to make the trial payments even when my income has change. I decided to escalate my file to the Executive office, agent XXXX XXXX was extremely rude with a condescending tone every time we contact him, I feel that he could have done more from his end, that was the reason why I escalated my loan because I am tired of re-applying every time either Wells Fargo always uses the wrong income. I was offer a new trial and Wells Fargo used {$0.00} income and was able to provide me a non affordable payment once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown person applied for a visa credit card through XXXX XXXX XXXXXXXX with my personal information. Thus being identity theft. Also some one attempted to purchase a money managing App. located in Ga.same as XXXX XXXX XXXX. The App is XXXX, XXXX XXXX GA.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS, SPECIFICALLY A REHABILIATED LOAN THAT I HAVE CONSECUTIVELY PAID AS AGREED WHICH VIOLATES 15 USC 1681 S-2 ( i ) ( l ) I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL AND NONE OF THIS INFORMATION HAS BEEN VERIFED BUT STILL REPORTING ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS.

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED.

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked for extended frauds alerts to be removed and credit bereaus never removed them
Product: Student loan

I contacted Sallie Mae, which became Navient, many times over many years and asked to be placed in the most favorable repayment plan for my situation ( XXXX, unemployed, with significant financial hardship ). 

Instead of placing me in an income-based repayment plan, they placed me into forbearance and deferment for the maximum period allowed by law. 

It wasn't until I exhausted all allowable months of forbearance and deferment and called dozens of times pleading for help that I finally found someone at Sallie Mae/Navient willing to allow me to apply for an income-based repayment plan in XX/XX/year>. 

Since this experience, my loans have been transferred to XXXX XXXX, then XXXX, and now XXXXXXXX XXXX 

It is my understanding that all of these months in forbearance, deferment, and financial hardship are supposed to be credited to my account by the Department of Education with a XXXX XXXX XXXX XXXXXXXX, but this has not happened yet. 

I am still waiting and very worried that Salle Mae/Navient 's negligence will add many years to my loan term.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Mortgage

I have a mortgage with Rocket Mortgage - it is a refi from a year ago. Over the last week I received approximately 10 phone calls and voice mails on a refi with them, even though it has only been a year since my refi. I finally, answer the last call and the sales person asked for 10 mins- I gave it to him. I told him no, clear and plainly. For me, the closing cost weren't worth it. 
5 days later, the loan paperwork can via XXXX. I immediately called them to stop the loan. They sent me to another salesman. He argued with me, got anger because I wouldn't agree to the loan. Statements like " why would I want to save money. '' He was getting more upset. 
Playing anger is a con for older people, so much so, that they will sign to appease the salesperson. I just wanted to make sure the loan process that I didn't signed up for wasn't happening. My question was never answered by him. He hung up on me with a rude tone. I called rocket mortgage back to speak to a supervisor to file a complaint, and to make sure that there was no loan in process. He said the numbers were started and that they would handle it internally. I have my doubts. If I wasn't paying off my mortgage sooner then later, I would refi with a reputable company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a degatory remark on my XXXX  report. The amount is XXXX I have tried to file a complaint with credit bureau to get this removed. This is with symgorary bank. I dont even have a card for this account. How do i get this removed asap
Product: Credit reporting or other personal consumer reports

I NOTICED ON MY CREDIT REPORT FROM EXPERIAN AND XXXX  THAT I HAVE AN INQUIRY FROM ( XXXX XXXX) I DID NOT AUTHORIZED ANYONE EMPLOYED  BY THIS COMPANY TO MAKE AN INQUIRY AND VIEW MY  CREDIT REPORT.YOU HAVE VIOLATED THE FAIR CREDIT REPORTING ACT SECTION 1681b(c) .YOU ARE NOT LEGALLY ENTITLED TO MAKE THE INQUIRY.THIS IS A SERIOUS BREACH OF MY PRIVACY RIGHTS.I REQUEST THAT YOU EITHER MAIL ME A COPY OF MY SIGNED AUTHORIZATION FORM THAT GAVE YOU THE RIGHT TO VIEW MY CREDIT WITHIN (XXXX) DAYS SO THAT I CAN VERIFY ITS VALIDITY.MAIL IT TO THE ADDRESS LISTED ABOVE.IF YOU CAN NOT PROVIDE ME WITH PROOF THAT I AUTHORIZED YOU TO VIEW MY CREDIT REPORT THEN I AM DEMANDING THAT YOU CONTACT THE CREDIT BUREAUS IMMEDIATELY AND HAVE THEM REMOVE THE UNAUTHORIZED HARD INQUIRY IMMEDIATELY.I ALSO REQUEST THAT YOU REMOVE MY PERSONAL INFORMATION FROM YOUR RECORDS..PLEASE SEND ME A WRITTEN CONFIRMATION THAT YOU COMPLIED WITH MY REQUESTS.YOUR FAILURE TO COMPLY WITH MY REQUESTS WITHIN (5) BUISNESS DAYS WILL BE EVIDENCE USED IN FEDERAL COURT OF YOUR WILLFUL NONCOMPLIANCE {15 U.S.C. & 1681n} AND I WILL BE SEEKING STATUTORY DAMAGES,PUNITIVE DAMAGES AND THE COST OF ACTION AND REASONABLE ATTORNEY FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency, please see attached documents and ID as it contains my full complaint and request I called experian on XX/XX/XXXX and submitted a identity theft dispute on XX/XX/XXXX I mailed out all the documents attached below with certified mail and it was received by Experian in XX/XX/XXXX I called Experian on XX/XX/XXXX and nothing has been resolved
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this letter finds you well. I am writing to report a grave matter that has shaken my financial well-being and sense of security. My purpose in reaching out to you is to seek your assistance and guidance in rectifying a situation involving multiple unauthorized hard inquiries on two of the three major credit bureaus. If not all!!

Over the past several weeks, my financial life has been turned upside down due to what I believe to be a case of identity theft. I have discovered a series of unauthorized hard inquiries on two of the three major credit bureaus, each of which has left an indelible mark on my credit profile. The following companies have made these inquiries without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized hard inquiries have not only impacted my credit score but have also raised concerns about my personal information being compromised. I have taken immediate steps to freeze my credit and report the potential identity theft to the authorities.

I kindly request that the CFPB intervenes and conducts a thorough investigation into these unauthorized hard inquiries. I am reaching out to you with a heavy heart, as I am a victim of what appears to be a deliberate act to undermine my financial stability and personal security. 

Please guide me on the steps I should take to rectify this situation and prevent further damage to my financial reputation. Your assistance in resolving this matter is of utmost importance to me. 

Thank you for your prompt attention to this pressing issue. You can reach me at [ Your Phone Number : XXXX ( XXXX ) XXXX ] or [ Your Email Address : XXXX ] if you need any additional information or documents to proceed. 

Sincerely, XXXX XXXX
Product: Prepaid card

On XXXX XXXX was the last day I could use my card. I receieved a transfer from a friend for {$20.00}. I was waiting for my DD to hit on XXXX XXXX but never did. I tried to get online to sccess my acct and it was locked. I tried to call but it was busy busy busy.So I got on XXXX and saw a group about # ENDRUSHCARD and joined. I was seeing people with situations way worse than mine. I went to XXXX XXXX page explaining our situations and no response. I called All news stations, no response, then I called a atty and found out there is nothing we can do because of a Arbitration in the Rushcard agreement.NOW I am worried my mom will not get her SSI money on XXXX XXXX and then she will be XXXX. RUSHCARD NEEDS TO BE TAKEN TO COURT AND SHUTDOWN!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX According to codes 15US CODE {$1600.00} 15 US CODE $ 1681b According to the fair credit reporting act section 15 USC 1681C-2 AND 605B, It is illegal to report information on my credit report without my permission. Please remove this from my credit report.
Product: Debt collection

I have been a victim of unfair and inaccurate reporting of my consumer credit report by EXPERIAN. From my research and understanding, they are in violation of 15 US Code 1681b - permissable purposes, which states that no credit reporting agency shall report anything on my credit report without my written consent. My written consent was not given so that makes this aggravated identity theft and a violation of my federally protected consumer rights.
Product: Debt collection

On XX/XX/XXXX I went to the hospital to receive XXXX XXXX. At the time, My XXXX did not offer medical insurance so I had to pay out of pocket and subsequently applied for Bill payment assistance through the hospital. The hospital billed me for their service s within 3months and I was only able to receive minimal relief from the hospitals Bill payment assistance program. I paid the balance of the charges from the hospital in full before the end of XX/XX/XXXX. As far as I was concerned the hospital had been paid. 
On about XXXX XXXX I was contacted by phone from a debt collector claiming I owed an unpaid balance of {$260.00} for XXXX XXXX rendered by the hospital dating back to XXXX XXXX. The original date of my first and only visit to the hospital. 
So after speaking with this debt collector, who told me that our phone conversation would be recorded for purposes of collecting a debt, we had agreed that I would make the first installment of {$100.00} USD and it could be made online. A couple of days later I received a billing statement from their local office stating the name of the hospital and the full amount I owed including my account number of the debt collector and local address and phone number. So I went online to make the full payment but the website would only accept {$100.00} increments per transaction so over the course of 3 days ranging from XXXX I made the incremental payment amounts and on XX/XX/XXXX I paid the final amount of {$62.00} which should have satisfied the payment of the total debt of {$260.00}. However as I have went online to my debit card company and checked the amounts paid out to the debt collector it shows that my card was charged for {$330.00} to the debt collector with the most recent charge on XX/XX/XXXX. An overcharged amount. Whenever I called the local office a few miles away I talked with a service representative who said my account officer would be handling my issue, she hung up on me. So I called the parent office on XXXX XXXX located in florida and I was hung up on once again the call I made to Florida was placed at about XXXX XXXX their office closes at XXXX XXXX. Noone from the company is handling my issue and I keep getting hung up on. Whenever I called the hospital directly they have no record of My Bill being delinquent nor do they have any unpaid balances.