23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I contacted the BBB regarding a mis-reporting of my credit score from TransUnion LLC. They report to me XXXX credit score that falsely leads me to believe I am in " fair '' market value for obtaining credit or a loan, but then they report a totally different score to the lender or creditor. This is " Unfair '' credit reporting and biasly misrepresents my credit worthiness. The score they report to me, should be the same score reported to the lender or creditor. 
Both the BBB and TransUnion completely side-stepped the issue and the only resolution they offered was to send me a " free '' credit report. 
I have also contacted them regarding a credit reporting from a " claimed '' creditor that indicates I owe them money for a rental property from 2013. I did not owe the money then and disputed it with the creditor. The creditor refused to show " proof '' that I owed and they never acted on their claim ( i.e. filing suit to obtain a legal judgment making me responsible for said amount ). I have asked for proof of Court Ordered Judgment stating that I owe this creditor, but they refuse to produce or admit that they actually have one. Without this proof, they have no legal right to place this item against my credit. I have repeatedly asked for its removal as there is no proof that it is my responsibility to pay, but both TransUnion and the creditor will not comply. Again, this is " Unfair '' credit reporting and in direct violation of the FCRA and consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting act. the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. section 602 A states i have the right to privacy,15 USC 1681 section 604 A States a consumer reporting agency can not furnish a Account with out my written instructions. account # XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Bankruptcy Chapter XXXX dismissed reference # XXXX, Bankruptcy Chapter XXXX reference # XXXX 15 U. S.C.1681 605 No Consumer Reporting agency may make any consumer report containing any of the following items of information : Bankruptcy 15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an consumer credit plan as a late for any purpose
Product: Credit reporting

FOR 5 YEARS I HAVE NEVER been able to get my free yearly credit report from transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent required documents for items on report to be removed off report and I still haven't heard anything back I'm submitting the police report again for the second time.
Product: Credit card or prepaid card

I took out a Self Lender Loan in XXXX of 2019. During the course of this loan I built up principal and they allowed me to get a secured card utilizing the principal balance as security for the card. I always made on time payment so I could build and establish good credit. I decided to payout the loan XXXX months early. I paid them the full amount XXXX requested on XXXX. On XXXX they billed me XXXX and I paid. Several weeks later they paid me the balance of the money owed to me after satisfying the credit card they issued. This amount was XXXX. Then they hit me with a late fee XXXX associated with the credit card and reported me as late. I looked up my account and the credit card was removed from the dashboard so I assumed this would clear itself up. I then got another bill for XXXX  now two late fees. I have contacted them and they have apologized and said they could clear this then never followed up. I now have paid them an additional 30.00 and have two late payments on my credit report because of their mistake. Furthermore I have disputed the negative marks on my credit and they stand by their actions to negatively affect my credit for their mistake.
Product: Debt or credit management

When I used XXXX XXXX, I was in the market to buy a house but my credit wasnt where it needed to be. The lender I was using transferred me over the phone to XXXX XXXX and told me to talk to them to start working on my credit. If I remember correctly, I had to pay upfront and monthly after that for them to work on my credit. I didnt see any results for some time and when I asked them why I hadnt seen anything they said it could take years. I paid them from XXXX to XXXX. I cant go that far back on bank statements to see the actual amounts I paid. I did finally see some results but it took forever. I feel like they didnt work diligently on what I was paying them for and drug it out just so they could keep me paying monthly. I know theres a lawsuit with them and wanted to see if this is something I qualify for.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding late payments on my credit report. Upon examining my records, I discovered these late payment entries. Despite sending correspondence about this issue more than 30 days ago, I have not received any response, nor have I been provided with adequate validation.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Unknown - XXXX Unknown - XXXX
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting an inaccurate account XXXX XXXX XXXX account XXXX XXXX in a collection status on my credit report with a balance of {$2200.00}. 

****In accordance with the provisions of 15 USC1692 ( g ) and 15 USC1692 ( c ) This is a violation of my rights as a consumer and this must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigate my credit report, I realized that some of the information was erroneous. The XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the following accounts : : XXXX XXXX XXXX XXXX Balance : {$340.00} Opened XXXX XXXX, XXXX ; DEPT OF EDXXXX XXXX  Balance {$12000.00} Opened XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX
Product: Student loan

Earlier this year my husband and I refinanced our townhouse and opted for a cash out. XXXX XXXX XXXX XXXX mailed FedLoan Servicing XXXX checks dated XXXX/XXXX/2016 - XXXX for {$930.00}, the other for {$9500.00}. I logged into my account on XXXX/XXXX/2016 to check the status of the checks and saw that XXXX checks had been posted to my account as of XXXX/XXXX/2016, but that there was a remaining balance owed of {$17.00}, which I paid online and saw I had a {$0.00} balance. I logged in again on XXXX XXXX, 2016 ( the beginning of the new billing cycle ) to see if there was any further amount due, and my account was still at {$0.00}. This past Monday ( XXXX/XXXX/2016 ), I received an email saying I had a past due amount. I called the XXXX number and was told that the bank had sent a stop payment request for the check in the amount of {$9500.00} on XXXX/XXXX/2016 and that the money had been reversed from my account and the check returned to them ( 15 days after I made my last payment on XXXX/XXXX/2016 ). I logged into my account again, and saw the Paperless Inbox. I opened it and saw that there was a letter posted on XXXX/XXXX/2016, saying that there was an error with the payment, it had been reversed and the check returned to the bank. I was NOT previously notified about this letter, and there was nothing to indicate that I had unread documents in the Paperless Inbox. Our title company said that they had not received the check from FedLoan Servicing and requested a stop payment on the check effective XXXX/XXXX/2016. They confirmed that the bank had NOT issued a stop payment request on this check prior to this date. They are issuing a new check in the amount of {$9500.00} and will mail ASAP. Because of this, as of today ( XXXX/XXXX/2016 ) my account has accrued {$340.00} ( compounded daily ) in interest charges. In order to have this interest waived and/or disputed, I was referred by a FedLoan supervisor to the US Dept. of Education. She told me that she would be sending me something in writing for my records, and would send my case to the financial group for review. I 'm not sure if this has happened. I have contacted the US Dept. of Education, the Federal Student Aid Department, and the FSA Ombudsman Office to file a dispute with them ( which I have done ). I was told by someone at the Ombudsman Office that the FedLoan Paperless Inbox has been an issue for other consumers as well. I 'm still in the process of having this matter resolved.
Product: Student loan

PREMIER STUDENT LOANS CENTER ABOUT TWO YEARS AGO SAID THEY PAID OFF MY LOANS I HAVE NOT HEARD FROM XXXX XXXX  UNTIL THIS MONTH AND THEY SAY I HAVE A PASS DUE PAYMENT WHY HAS THIS HAPPENED AND WHERE DO I GO NEXT ... I PAID FOR THEIR SERVICE TO HAVE THIS TAKEN CARE OF I AM XXXX AND ONLY GET {$900.00} A MONTH NO WAY I CAN AFFORD STUDENT LOAN PAYMENTS MY DR EVEN SENT THEM PAPER WORK TO GET THIS TAKEN CARE OF PLEASE LET ME KNOW WHAT IA NEED TO DO NEXT ... I AM SO CONFUSED
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have 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 XXXX XXXX. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

To Whom it may concern.. 

Company : XXXX XXXX XXXX  Account number : XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you ( XXXX XXXX XXXX ) authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company XXXX XXXX XXXX  can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report Experian, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option.

I have never received or signed any document of XXXX XXXX XXXX. 

15 U.S.C 1681s-2 ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

My dealings were only with XXXX XXXX XXXX XXXX XXXXe, I never did business with XXXX XXXX XXXX, they are reporting inaccurate, dubious and unverifiable information, I demand the immediate deletion of the account in Experian, XXXX and XXXX. 

Show me written evidence that XXXX XXXX XXXX complied with all these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I cosigned on a used car from XXXX with my dtr  XX/XX/XXXX Credit Acceptance was or is the loan finance company .The car was a lemon and the payments were extremely high when my dtr  lost her job because she was diagnosed with XXXX We could not afford the car payments I was on XXXX XXXX Credit Acceptance knew I could not make the payments on a fixed income We made several attempts with them to fix the vehicle but they never did it still malfunctioned like a bad transmission or engine .We asked them for another vehicle or take the car back .they would not do it.the car sat for 3 years and they did not close the account until 3 years later XXXX .They repossessed the vehicle and are now garnishing my pay .Credit Acceptance was investigated for Predatory lending in New York and Michigan.They are also shareholders with XXXXXXXX XXXX XXXX XXXXXXXX company who money launder and double dip with Insurance fraud and Title insurance fraud they sell the vehicles back to shareholders with the Company using fake company namesand addresses of companies that don't exist a bunch of crooked lawyers are the shareholders
Product: Credit reporting or other personal consumer reports

Im truly dismayed to see that there are SEVERAL fraudulent and unauthorized credit inquiries that I NEVER permitted on my credit report. I do NOT recognize ANY of the following inquiries and I am METICULOUS when it comes to managing my credit and finances. Please REMOVE these unauthorized inquiries at ONCE! The following credit bureaus are reporting these unauthorized inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I need some help with cleaning up my credit. I did an investigation on my credit report which caused me to develop XXXX and stress upon learning that unverified, invalid and inaccurate information is on my report. I want my report to be 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX, 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 or other personal consumer reports

Experian has not been reporting my credit file for 2+months. I have asked for a refund of my membership from Experian because they have reported a blank file on my credit reporting so they said they were going to refund me {$59.00} but they only refunded me only {$29.00} this has caused me a lot of XXXX and it has been very XXXX calling them asking them to correct my credit file and refunding me the other portion of my refund it's been more than 2 months they have violated my rights.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXXXXXX LVNVFUNDG XXXX
Product: Credit reporting or other personal consumer reports

Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( 2005-414, s. 1. ) Trans Union Conducted Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ). I have informed Trans Union many of times that the accounts below are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Trans Union has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes, and has harmed, bullied, and harassed me As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).
Product: Debt collection

I Paid this Debt and all my Debt in XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681i ( 6 ) ( b ) ( iii ) prohibits the consumer reporting agency upon request from the consumer to provide the contents of the reinvestigation which includes the business name, address, phone number, who was contacted in the connection of the dispute. 

Re : XXXX Equifax credit reports come with the reseller details of the public record attached which is XXXX. 

I sent a letter to the consumer reporting agency requesting for the description of the reinvestigation of who you reinvestigated with meaning the " name '' of the person that validated the public record within your public record source. By FCRA law I have the right to have this information that you are validating on me. 

Reason being is because XXXX sent me a letter stating they do not have a record of bankruptcy on my credit file, and you stated to validated with them. 

How is that? I was not asking for any information that you already provide. If you properly reinvestigated, you should have the name of the person that validated. " NOT THE BUSINESS NAME '' no I can follow up with XXXX. 


Attached : - Original letter sent requesting the name of the person -Proof of identity -Letter from XXXX
Product: Student loan

I keep getting notices that I have to re-certify my Income Base repayment plan in XX/XX/XXXX. However, when I log into the Federal Student Aid website it says I do not have to re-certify until XX/XX/XXXX. I spoke to a representative at Navient who said I only have to re-certify with the one form on the Federal Student loan website, but she couldn't explain why Navient had one date and the FASA site and my other loan servicer had a completely different re-certify date if I only submitted one form that went to all. 

I am also filing a complaint that Navient doesn't participate in the Public Service Student Loan Forgiveness program that I am already participating in with my other lender. What kind of company doesn't support Public Service employment?