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

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I have written to Transunion multiple times INSTRUCTING them to honor my right to privacy by removing this account. Each time, they have IGNORED the codes I presented and proceeded to tell me that the account is mine and that the account is accurate and also that the account " meets FCRA requirements '' ...

BUT, this CREDIT ACCEPTANCE account is indeed NOT in compliance with FCRA requirements because again, my writtent instructions was/are for Transunion to remove/delete this account immediately from my credit report.

Also, how am I to know that this account is mine if they are not showing the full account number??... As you can see, they are reporting the account with asterisks! ( XXXX ) Therefore, this account is NOT mine and I do not approve of an UNKNOWN account reporting on my credit report. 

I would like to conclude with the fact that during their " investigations '' on this matter, at no time did they provide me with the details of any investigations... I have the right to know who ALL exactly did they talk to and their contact information so that I can verify what parts of my information was shared and exactlty how they came to their conclusions for my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially send a copy of my FCT report and identification to all credit bureaus in XXXX. I received a notification via my XXXX account that the account for the company Credit Acceptance would stay on my account. I had been working directly with the company in the past to remove this from my credit as it is not my debt and identity fraud. I spoke with an employee at Credit Acceptance XX/XX/XXXX, then another employee named XXXX in the complaint department XX/XX/XXXX. She informed me that they had received a fax from me from XXXX but it was half way cut off so they could not determine anything. I informed her I in fact had not sent them a fax of anything and it more than likely was from the credit bureaus. XX/XX/XXXX I then faxed XXXX the information requested ( which I had previously mailed a while back when trying to get this off ) my ID, ( social ), FTC report, my signature 5 times. She mailed me a letter stating what I had send wasn't enough evidence when in fact I sent everything that was asked. This company is determined to keep this own my credit when it is clear this was identity fraud.
Product: Credit card

Issue Summary : I am filing this complaint against Chase Bank for their refusal to reopen a dispute regarding legal service charges I paid for with my credit card. The charges, totaling approximately {$8100.00}, were made to XXXX XXXX, XXXX, for legal services rendered to my husband, who signed a fee agreement with the firm. I, however, paid these charges using my personal credit card. The law firm has breached its contract by refusing to participate in binding arbitration, as explicitly stated in their contract. Despite the breach, the credit card company has refused to reopen my dispute or provide any relief, even though the breach of contract directly impacts the validity of the charges. It is also important to note that the merchant did not sign the fee agreement.

Detailed Timeline of Events : 1. Date of Dispute : On XXXX, I initially disputed charges with Chase Bank related to legal fees paid to XXXX XXXX, XXXX. My husband signed a contract with this law firm to pay for legal services related to his case, but I used my credit card to cover the costs.

2. Law Firm Breach : The law firms fee agreement includes a clause stating that any fee dispute unresolved between the law firm and the client will be submitted to binding arbitration with the Missouri Bar Fee Dispute Resolution Program. However, the firm has refused to participate in the mandatory binding arbitration process.

3. Credit Card Company Response : Despite informing Chase Bank that the law firm breached its contract, they have refused to reopen the claim. They previously denied my original dispute and, after presenting new information about the contract breach, they continue to refuse to address the issue or take action.

4. Failure to Investigate : The credit card companys refusal to reopen the case occurred despite the fact that I presented them with clear evidence that the law firm breached their contract by refusing to participate in binding arbitration.

5. Interest Charges : On top of the original charges for legal services, I have also incurred significant interest charges on my credit card due to the unresolved dispute.

6. Resolution Request : I reached out to Chase Bank on XXXX and explained the new information about the law firms refusal to arbitrate as per the contract. Despite this, they responded that they can not re-open the case, claiming it was too late to do so and that they do not have a mechanism with XXXX to handle this. 

Legal Contract and Breach : The law firm contract, though not signed by anyone at the firm, clearly states the following : In the event of a dispute about fees that can not be resolved between Law Firm and Client, Client is hereby informed that Law Firm will agree to submit the matter to binding arbitration with the Missouri Bar Fee Dispute Resolution Program. 

This clause obligates the law firm to participate in binding arbitration, yet the firm has blatantly refused to do so. This is a clear breach of contract, and I should not be held responsible for charges that stem from an invalid contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX a creditor on my credit report showed a 30 day and 90 day payment on my report. I filed a dispute because I have an email from extra showing that they submitted the correction back on XX/XX/. Experian claims to have done an investigation and validated the late payments, however I have recent emails from extra saying that they were never contacted and that they resubmitted the correction. Experian did not do a through investigation because the original creditor was never contacted. I have attached a copy of the original email from the creditor on XXXX of last year, the recent emails. 

Creditor : XXXX Account XXXX : XXXX Report says i am a 30 a 60 and a 90 day late payment when I have not had any missed payments. THey are corrected my XXXX however not my experian. Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX XX/XX/2019 It showing a 30 late payment for XXXX. I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) - if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) - if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information. 
( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

The 11 accounts named Dept of Ed/XXXX  with acct # XXXX was removed from my XXXX report because of inaccurate information that was being reported on XX/XX/XXXX. I contacted Experian & XXXX multiple times to get this information updated but stated the accounts came back as verified. This specifically violates my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ). CFPB Complaint # XXXX for reference of deletion. 

Experian shows : {$35000.00} XXXX shows : {$0.00} XXXX shows : {$35000.00} XXXX was suppose to report this information to the other 2 bureaus Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) and by Law Experian & XXXX violated my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) wish states all inaccurate information is to be deleted upon notification. 

On XX/XX/XXXX I notified XXXX and Experian through the CFPB both companies. 
Experian Complaint ID : XXXX XXXX Complaint ID : XXXX This can be tailored to XXXX Complaint ID : XXXX ON XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This company reported late payments and I paid the account the payment history is incorrect
Product: Money transfer, virtual currency, or money service

It was on XX/XX/2022 when paypal limited my account for no apparent reason. Being a XXXX person who constantly works as a XXXX  for a living it's very unfortunate that Even after Sending the documents PayPal requested identity confirmation and could not uplift my Account. Im going through a lot due to lack of funds and being a XXXX person i feel so bad paypal even cant reply to my messages. Please I need the account restored in order for me to relieve my life. This issue is almost dragging me into XXXX. Kindly assist me accordingly
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/year>, XXXX XXXX, Georgia ( ZIP code XXXX ), was declared a major disaster area by the United States federal government and FEMA. The extensive flooding from hurricanes Debby and Helene caused severe damage, including flooding in my home and other homes in our community, leaving us without power and access to essential resources, especially communication, for weeks. Once I was able to begin re-establishing stability, I reached out to FEMA for immediate housing assistance, as our home had been flooded with XXXX feet of water and had suffered structural damage from a fallen tree. FEMA promptly assisted with temporary housing, after which I was advised to contact the SBA for rebuilding loans. However, when I applied, the SBA informed me that I could not be approved due to recent delinquent reports on my credit file. 

Upon further investigation, I discovered that XXXX XXXX had reported late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both of these accounts were enrolled in the Credit Protection program, which should have covered payments during natural disasters, as I pay a percentage fee for this service. Once I could reach Credit Protection, they settled all balances. I then contacted XXXX XXXX, provided them with payment reference numbers, and requested the removal of the late payment reports due to the hurricane impacts and Credit Protections subsequent coverage. The representative assured me that I had been enrolled in a program to reduce my APR and that she would submit a request to remove the reported late payments. 

A few weeks later, I received a letter from XXXX stating they would not remove the late payments, as they believed the reporting was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate late payments have been placed on my account by Experian XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address how TransUnion has improperly handled my dispute process. Despite filing my original complaint through the CFPB portal, TransUnion has : Claimed They Can not Locate My Credit Report : TransUnion has sent me multiple letters stating they can not locate my credit report to address my dispute. However, this claim is invalid for several reasons : They were able to locate my name and address to send me these letters.

The address I provided in my original complaint matches the address on file with TransUnion, as clearly shown in my credit report.

Failure to Communicate Through the CFPB Portal : All communication regarding this matter should remain within the CFPB portal, as instructed by CFPB guidelines. TransUnions decision to bypass the portal and communicate with me directly via mail raises concerns about their commitment to transparency and accountability in resolving disputes. 

Evidence of My Address in Their System : The address I provided during the complaint process is the same address that appears on my TransUnion credit file. I have attached a copy of my credit file highlighting this address to demonstrate that TransUnion does have access to my information and should be able to locate my credit report. 
Compliance with CFPB Guidelines : When filing my dispute, I followed CFPBs clear instructions to avoid including sensitive personal information ( such as my Social Security Number or full address ) in the initial complaint. I understood that if the company required additional information, they would request it through the CFPB portal.

Compliance with CFPB Guidelines : When filing my dispute, I followed CFPBs clear instructions to avoid including sensitive personal information ( such as my Social Security Number or full address ) in the initial complaint. I understood that if the company required additional information, they would request it through the CFPB portal. 

Compliance with CFPB Guidelines : When filing my dispute, I followed CFPBs clear instructions to avoid including sensitive personal information ( such as my Social Security Number or full address ) in the initial complaint. I understood that if the company required additional information, they would request it through the CFPB portal. 

TransUnion never requested any additional information from me through the portal, which demonstrates that they are failing to follow the proper process.
Product: Debt collection

Sent dispute to company XX/XX/18 and again XX/XX/18. 
Never received any response after the 30 day period governed by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Bureau consistently reports the collection as an OPEN ACCOUNT, which is not compliant with the Fair Credit Reporting Act ( FCRA ). It is deemed as inaccurate reporting and needs to be removed from my credit report immediately. The collection has appeared as an OPEN ACCOUNT since XX/XX/XXXX. The last reporting activity on the account is XX/XX/XXXX ; however, XXXX keeps re-aging the credit history when disputed. Re-aging is a severe violation of the FCRA. It makes the account in question look more recent and causes severe damage to my credit score. 

XXXX is reporting the account as an active retail account. Please see attached documents.
Product: Credit card or prepaid card

I had a hardship & was in between jobs. And made a payment late, i sent over a goodwill letter asking them can the reporting be fixed. They sent a letter stating i need to reach out the credit bureaus. But i know they are reporting to the credit bureasus thats why i went to the creditor themself. This is really affecting my score this late payment history.
Product: Debt collection

I don't recall having a contractual relationship with this collection company SPRING OAKS CAPITAL LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and TransUnion on XX/XX/2022. Here is the report number : XXXX, To remove personal information off my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

Reviewing my credit report I observe that I have several inquiries in my report which I do not recognize or have I authorized to make, so I kindly request that they be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/2023 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights.

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

15 U.S.S 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

XX/XX/2020 Account locked for identity verification Sent in ID Card and XXXX XX/XX/2020 Still locked, asked for social security card. 
faxed social security card XX/XX/2020 Still locked faxed social security card id and XXXX both sides I have verified my identity and I can not get my account unlocked I need my unemployment money to pay rent and am very worried I will be homeless because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information PO BOX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX BYMAILONLY inquiries Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXX
Product: Student loan

I am in the Public Service Loan Forgiveness program whereupon monthly loan payments made while working at a non-profit institution count towards eventual loan forgiveness. FedLoan Servicing, who services these loans and tallies payments towards eventual forgiveness, erroneously disqualified up to 22 of my qualifying payments. 

Please refer to the attached documents for tallies towards loan forgiveness dated XX/XX/XXXX versus XX/XX/XXXX respectively. As you can see in comparison, five loan sequences ( XXXX, XXXX, XXXX, XXXX, XXXX ) have dropped from 40-41 qualifying payments made to 19 qualifying payments without explanation. As each qualifying payment counts as a month, this would add an extra 21-22 months of payment onto each sequence before forgiveness is reached ( likely multiple tens of thousands of dollars of extra payments ). 

When contacting the loan servicer on XX/XX/XXXX ( representative XXXX # XXXX XXXX, I was informed that " natural disaster forbearance '' has been applied to these sequences, apparently retroactively given that qualifying payments were taken away. 

These are the periods of apparent Natural Disaster Forbearance : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. 

I have certainly never applied for or requested this status nor have I lived in an area experiencing a natural disaster ( XXXX has been my permanent residence for the last two years and XXXX for the four years before that ) so this is certainly a mistake. During this time, I made full, on-time payments each month ( see document TransactionsXXXX downloaded from FedLoan documenting payment history for all loans ). The representative proceeded to say that a review would occur but could not give a time frame ( " likely months '' ) or an explanation for this change. 

Finally, the US government is ending its contract with FedLoan in the near future, raising the possibility that if this is not resolved in a timely manner, incorrect loan counts will be forwarded to the new servicer, further adding to confusion.