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

I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from TransUnion to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported Balance amount of {$5900.00} for the XXXX  XXXX XXXX account is inflated and inaccurate. I do not recognize this amount and firmly believe that I owe a lower balance. Additionally, the Past Due amount stated by your agency for this account is misleading as it was closed and charged-off. As I intend to contact the creditor directly to correct this distorted information, I request that TransUnion marks this account as disputed until we find a resolution. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$31000.00} The account with XXXX XXXX XXXX  was never late, and I request that TransUnion promptly removes the late payment status associated with this account from my credit report.
Product: Mortgage

1. Signed closing documents on XX/XX/2021. 
2. My XXXX mortgage was to be paid off XX/XX/2021. As of today, XX/XX/2021 it has not been paid. 
3. I was to receive settlement funds, wired to my checking account. They have not been sent.

4. Interest is accruing to both my old mortgage and my new mortgage. 
5. Lender, Quicken Loans, did NOT contact me to notify me of any issues. I had to contact them to report their errors.

6. Lender told me they will look into the issue by sending it to an analysis department.

7. I told lender to call me by noon today to inform me of the status and resolution.

8. Lender has not called as of noon.

9. If there was an issue, lender should have immediately notified me. I should not be responsible for notifying them. 
10. Lender violated their financial and statutory responsibilities.

11. Lender 's actions are abusive, irresponsible, and possible criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to advise the credit reporting agencies/ XXXX , XXXX , and Experian that these inquiries are not mine and are not authorized. I had continuous unknown accounts US Bank account that was closed but not removed ) that showed up on my credit file that they deleted but did not remove the inquiries. Maybe someone was trying to obtain a mortgage loan using my identity but that was not me. 

Inquiry- XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX  XXXX Then with Inquiry- XXXX- XXXX Inquity -XXXX XXXX XXXX XXXX XXXX - account closed but not removed, it never belonged to me Any professional company would know that running someone's credit more that five times for the same thing automatically locks it so the person will not get approved. This is a ridiculous amount of credit pulls and I think someone has my information and was trying to just ruin me.
Product: Debt collection

I am filing a complaint against a debt collector for their failure to validate a debt they are attempting to collect and for reporting inaccurate information to the credit bureaus. 

I received a collection notice regarding a debt claimed to be owed. Upon receiving this notice, I immediately disputed the debt, as I did not recognize it and had no contract or agreement with the collector. I requested validation of the debt, which included : A detailed breakdown of the amount owed, including principal, interest, and any fees or charges. 

The name and contact information of the original creditor. 

The original purchase agreement or contract related to the debt. 

Proof that the collector had the legal right to collect the debt. 

Despite my request, the collector failed to provide the necessary documentation. They continued to report this disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This action violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Additionally, the collector did not provide their state license number or details regarding their licensing, raising concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that the collector immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX Date : XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX PA XXXX Dear, Transunion XXXX SECOND DISPUTE REQUESTS ) This is my second request on the removal of these inquiries on my consumer reporter. I discovered multiple hard inquiries that's shown on my consumer report which have known actual accounts. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. If accounts are not removed within the next 30 days I will be taking legal action with intent to sue. 
XXXX. XXXX XXXX XX/XX/XXXX I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account and several unauthorized inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and these items were added to my credit file without my authorization. 
Fraudulent Account Details : Creditor Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$770.00} Unauthorized Inquiries : XXXX. XXXX XXXX : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX of XXXX : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX  Date of XXXX : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX  Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX o Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX  XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 someone from Barclays Bank Delaware tried to pull my credit report and did a hard inquiry according to XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, XXXX XXXX XXXX advertised to help individuals to help consolidate their debt into XXXX payment. Of course, l got interested and opted to have my accounts consolidated. Paper work was signed and the program began. Since XX/XX/2020, l began payment thinking they will make payment on my behalf. It did not happen so. Whiles l was paying, they were not paying my creditors leading my accounts to go into DELINQUENCIES. I talked to them and they told me it was done intentional so the creditors would no that l can not pay so they negotiate on my behalf. For six months creditors were on my neck with calls and emails. After six months when my accounts were in delinquency, before they began payment. For all these while, l was paying the said amount they asked me to pay monthly and did not miss a single payment. Before joining XXXX XXXX XXXX, l was on top of my payment, just that l wanted to have them in one place hence the reason to join them.
Product: Debt collection

LVNV Funding Inc. sent my debt to a collection attorney who filed for garnishment of the debts owed to the company. On XX/XX/2020 I received a letter stating the debts were satisfied ( paid ) in full but LVNV Funding has not updated my credit reports nor removed the inaccuracies after multiple disputes.
Product: Vehicle loan or lease

XXXX XXXX was unfunded and I still have not received my money back struggling with this XXXX to refund my money has been very difficult Please Help. They stated that they do not have a process to refund the money and this is very concerning wondering how many other customers they have done this to
Product: Debt collection

There is a collection notice from the National Services Bureau XXXX Inc. on my XXXX report for a sum of {$86.00} on XXXX/XXXX/XXXX. I called both XXXX and the National Services Collection Agency to inquire about this. The XXXX agency referred me to the National Services Agency and they said it was related to an unpaid bill of {$86.00} to a XXXX XXXX XXXX, PA in XXXX. I called the National Services agency and they told me that something looked wrong and they would get back with me, they never did even after I followed up with an email. I have not lived in XXXX XXXX, PA since XXXX XXXX. I never took any animal to this XXXX after moving to XXXX, Maryland. I also never received any bills, statements or collection notices prior to this notice on my Credit Report. If not for XXXX XXXX, I would not have known it was even on my report. I want to lodge a formal dispute on this collections agency. Thanks, XXXX XXXX Here 's the excerpt from the report : hese are the collections accounts that are reported as open on your credit report : Agency Open XXXX BalanceNATIONAL SER {$860.00} account reported on XXXX XXXX, XXXX OpenAccount # XXXX $ XXXX XXXX INOriginal Creditor $ XXXX BalanceJul XXXX, XXXX DateJun XXXX, XXXX ReportedJointResponsibilityPlaced for collectionRemarksNote
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Real Time Resolutions , Inc. claims to be my mortgage servicer on a 2nd HELOC loan dated XXXX. They have given me a foreclosure notice by way of XXXX and XXXX 's XXXX XXXX. They are demanding {$42000.00}. I requested them to perfect the lien and they sent me Robo-signed documents. In my research to save my home, I have found Real Time Resolutions has been Robo-signing documents since XXXX. I have over 100 documents that prove they have been Robo-signing. The documents I have are from XXXX TX -- one county in Texas where the company is located. They have forged documents, recorded incorrect lien releases with improper addresses of the creditor, back-dated documents and falsified assignments. 

Real Time Resolutions has had their CFO, an Attorney on Staff and other low level employees being Notaries and signing as High Ranking Officers in at least 17 different banks including XXXX in a scam to steal people 's homes in foreclose on behalf of the " investor ''. 
RTR has no legal standing in these assignments, much less foreclosures. The lien releases given leave the consumer in a double-liability situation. The REAL creditor can come back on them as the releases are forgeries and Robo-signed. 

RTR was not named in the original Robo-scam settlement case of XXXX. They are continuing to Robo-sign paperwork as of XXXX. Two people specifically are shown many, many time son documents : XXXX XXXX and XXXX XXXX. XXXX has created the documents, XXXX signs as VP of the assigning Bank and XXXX then Notarizes it. Mortgage XXXX and XXXX XXXX. They have been working together for 14 years forging documents. 

I have attached a sampling of my findings. I have documents from North Carolina, Michigan and Texas where as documents have been Robo-signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit inquiries that i did not do are on my report.
Product: Credit reporting or other personal consumer reports

This is my second request to dispute the XXXX XXXX  and XXXX charge-off accounts, as they are reporting inaccurate and incomplete information. The account details are : Creditor Name : XXXX XXXX  Account Number : ( private ) Creditor Name : XXXX Account Number : ( private ) Upon reviewing my updated credit report, I found the following inaccuracies : 1. The charge-off is reported with multiple late payments post charge-off, which is redundant and misleading. A charge-off already indicates the account is delinquent, and further late payments are inaccurate.

2. Inconsistent dates of delinquency and charge-off compared to other credit bureaus, violating FCRA 607 ( b ), which requires maximum possible accuracy.

3. Reporting patterns that appear to re-age the account, violating federal law and unfairly extending the statute of limitations.

These inaccuracies not only violate FCRA 611 ( a ) ( duty to investigate ) but also cause significant harm to my credit profile. If you can not obtain verifiable documentation from XXXX XXXX  and XXXX to correct these discrepancies, this account must be removed under FCRA 611 ( a ) ( 5 ).

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hello, I have been receiving letters about a debt that I supposedly owed. I have been receiving these letters for approx. 3 years now. This was identity theft. I made a complaint with XXXX XXXX Sheriffs in 2023. I have sent you this... twice. Plus, I filled out the required paperwork... twice. I continue to receive letters about this debt. 

XXXX XXXX
Product: Debt collection

I have contacted the company LVNV Funding on  XXXX / XXXX /   2017  and contacted them numerous times up till  XXXX / XXXX / 2017  and have explained to numerous representatives that I have paid the company  XXXX  on  XXXX / XXXX / 2017  and stated I have a receipt paid of the balance owed and I was told by LVNV representative that they can not update their collection records with my receipt and they were not going to update this on my credit report I have contacted  XXXX  which stated they are going to transfer my debt payment to th e LVNV Funding deb t collector and I have not had any progress on a debt I fully paid as this still is affecting my credit in a way that banks think I still owe and I do not have a balance owed to  XXXX  and LVNV is still trying to make me pay a second payment to their company and does not want my receipts of full payment from  XXXX .
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by TRANSUNION. 
Despite my previous correspondence ( Letter XXXX XXXX ] and XXXX XXXX dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, TRANSUNION has not conducted XXXX proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ TRANSUNION ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX below the inaccurate information persistently affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX  Account XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX TRansunion, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A SEction 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

Hi. I have a student loan ( XXXX ) that was recently transferred from XXXX to XXXX XXXX XXXX last year. 

I send my payments to them through XXXX Bill Pay ( electronic transfer ). I pay {$70.00} a month. On XX/XX/XXXX I received my paper statement in the mail that said I had not made a XXXX payment. I immediately contacted the company, as in fact, I had made the payment on XX/XX/XXXX through XXXX Bill Pay. After several calls and being bounced around by multiple people who claimed there was nothing they could do if it was not showing on my account ( and a representative who hung up on me ), I finally spoke with someone who said they could submit a ticket to accounting for review. I told them to place my account on hold while they investigated so I would not have to make payments in the interim. As you can imagine, I did not want to send money to a company who lost my money. At this time I also emailed them the Proof of Payment from my bank. I am attaching the proof of payment and complete email string of this communication. 

After not hearing back from the company, I called to follow up on XX/XX/XXXX. They told me there was no update and it was still under review. I again stated that I wanted everything noted on my file and that I did not want to be sent to collections/credit bureaus for a payment I had made. I then repeated that the understanding I have is that I will not be making payments until this is resolved. I also asked them to verify that the collection paper letter I had received was not meaning I was being sent to collections/credit bureaus. The woman told me they were unable to stop the paper letter, but I had nothing to worry about with credit bureaus/collections. 

On XX/XX/XXXX I was alerted that there was activity on my credit report by a monitoring service I have. I saw that it was from XXXX. I sent them an email immediately. They responded that it was still in review ( on attached email ). 

Today, XX/XX/XXXX I contacted them and XXXX again to find out what I can do about this. I need help. I made my payment on time. I made a subsequent payment of XXXX amounts due today because I can't keep holding on sending them payments and ruining my credit. This is unacceptable. I need help. I desperately need you to help me so this company does not mismanage my money and then destroy my credit that I've worked so hard to get. Please. Please. Please.