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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was forced to freeze my credit reporting with Experian because they exposed my personal information due to hacking. Yesterday I arranged for a temporary release so that I could apply for a credit card. All credit agencies EXCEPT for experian set up temporary releases at no cost. 

However Experian, the cause of the theft of personal information, charged me for the temporary release. I am at risk because of Experian and now I have to pay for the temporary release. 

They should not be rewarded and I should not be penalized. 

A refund of charges should be made.
Product: Debt or credit management

With this company, I have explained that I do not recognize this account, that it is a fraud, and they have never been able to help me resolve my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 1. XXXX XXXX XXXX : {$14000.00} XXXX 1. XXXX XXXX Balance : {$14000.00} XXXX : 1. XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting app ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, excepting unreliable responses, and failing to adequately, notify consumers of Dispute outcomes. these failures align with my experience, where Experian was neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience inaction violates federal law, and my rights as a consumer.
Product: Debt collection

DEBT VALIDATION LETTER Dear Columbia Recovery Group, This letter is being sent to you in response to : Check XXXX - Notice sent to me on XXXX, XXXX___. 
XX- Response to a listing on my Credit Report. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC XXXX stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Co signed for a car for my son through XXXX XXXX in XXXX XXXX Indiana the car was repossessed in XXXX I agreeded to make payments of {$170.00} a month from my account, in XXXX of XXXX I asked for a payoff amouunt and found out the loan was transfered to World Acceptance with a payoff of {$2800.00} which I paid through my bank XXXX via transfer of the total amount of {$2800.00}, OnXXXX XX/XX/XXXX World Acceptance debited my bank again for {$2900.00}, this money has been paid in full to World Acceptance and there is no reason why they should have debited my account for any unpaid amounts, they have been in full but has never given any documents to show payment.
Product: Credit reporting or other personal consumer reports

Looking further into my report and at my age i am noticing a lot of fraudulent inquires accounts and addresses ive never lived in Hard inquiries XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/scrub>XXXX XXXX XXXX  a letter was sent to Transunion to have some misinformation reporting on my report in regards to incorrect addresses amongst other things. I have mailed them and have yet to have my request processed.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, XXXX and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. I have included Barclays privacy policy which clearly states Barclays does not share to NON AFFILIATES. XXXX, XXXX and XXXX XXXX are NON AFFILIATES.
Product: Student loan

I have been dealing with this situation for many years and I have spoken to the ombudsman who basically did nothing after Navient responded with no explanation. I have received multiple letters from Navient with different balances and no proof of how the balances were created. Currently Navient states on the website that I owe them XXXX. However they just sent me a letter via mail that I owe XXXX. I have been dealing with this situation since I was in school at XXXX. I had to stop attending because I ran out of money, that is the 1st time I was aware of a problem. Besides the fraudulent activity of the school which I also have a claim on, Navient is changing the amounts constantly. When I got a lawyer to handle the situation, suddenly Navient makes up that I had loans from another servicer and they have now been added to the loans. I never had loans from XXXX, this is what Navient is now claiming. 
When I started XXXX I had XXXX is student loans from Sallie Mae This was for going to the previous XXXX XXXX College, and I also have made many payments under the IBR program. Now I somehow have accumulated XXXX in student loans even though with a revised letter from Navient that now says I owe {$23000.00} from the XXXX, that creates an unexplained amount of debt in question. My debts before XXXX were paid. And while I attended the college, I was also making payments. The amount of money XXXX University said that I borrowed is {$29000.00}. You can see from the math there is around $ 30K in interest accrued in less than 5 years. Of that amount, only {$1800.00} dollars is accrued interest on the XXXX loans which I attended earlier then XXXX. None of this is adding up correctly, and I have had an accountant look at it and tell me this is not correct. Navient will not provide any evidence that I owe this money accept a promissory note that could have been to any school. A master promissary note does not mean I owe every bit of debt that is tacked on from different people who have my name or from miscalculations from Navient. I do not owe this amount of money. I begin making payments in XXXX, and I want it to get allocated to the right accounts. I'm not going to make payments on someone elses bills. I was not sent any payment coupons and it says there is nothing due on their website. However I have a letter that says when I begin my repayment. I want to have the correct balance on the XXXX loans. I want them to take responsibility and explain their calculations.
Product: Debt collection

I received a call XX/XX/XXXX from an unidentified person and the pronunciation on the company he was representing was unclear. The number for this company was XXXX ( XXXX ) XXXX-XXXX. The over simplified message on the answering machine was that I had two days to reply or they were taking me to court over a Cash Central loan from XXXX. I called them back the next day on XX/XX/XXXX and the gentleman that called from that number above claimed he was going to call my place of employment, they were going to file criminal charges for fraud due to the check being bad from XX/XX/XXXXand they were going to take me to court costing an excess of {$1000.00} in court fees if I didn't resolve this. I exclaimed that I recently paid this same debt from a different collection agency and I refuse to pay this again. I told him the name of the company, the reference number, the phone number and who I spoke with. He replied " okay, I will mark this as taken care of ''. Roughly 10 minutes pass and he calls again claiming he needs a letter of confirmation from the other company stating that I paid this and that he will be sending an email right after we speak. No email came. I called the next day and told him to figure it out and i'm not filling out his email information and that he has all the information he needs on where and whom I paid and to do the leg work himself, I also said take me to court if you want, how you used fear-mongering tactics is a complete violation of the Wisconsin State statues for collecting any debt, especially one I had already paid. I hung up. XX/XX/XXXX I receive an Email from XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX-XXXX Ext. XXXX claiming I owe this same debt that was claimed I owed from the other number above. I sent an email of a confirmation letter that I received from the company I paid for this debt. The company I paid is XXXX XXXX XXXX  ( XXXX ) XXXX-XXXX  and the gentleman 's name that handled the debt was XXXX XXXX. Reference number for this case is XXXX. I also stated that I was contacting the XXXX but unfortunately none of the businesses in the email were on the XXXX. I sent the third and final email belittling the subject line grammar in the email and correcting it. " Also XXXX, from now on you should use spell check. Its confirmation not conformation you XXXX XXXX XXXX. I felt like disclosing every conversation for transparency reasons. 
Companies that are on this email are XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX
Product: Debt collection

apparently XXXX XXXX XXXX, AFTER I paid a settlement of XXXX dollars sold the account to XXXX, who got some type of judgement against me in XXXX  of which I was never notified. They hired one law firm to harass me and after complaining that firm dropped it, Now they have hired XXXX, XXXX, XXXX & XXXX who are now threatening me
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I mailed a letter about a questionable account on my credit report. It has been past the time that the FCRA allows for a copy of my and investigation report and I still haven't received any correspondence.
Product: Student loan

My student loans were in the consolidation process. I had contacted all of my service companies but Navient kept sending late notices and adding charges. A hold/deferment was in place but Navient started reporting on my credit anyway. When I finally realized what was going on and saw that my near perfect credit score had dropped 160 points I contacted Navient. Contacting them has gotten me nowhere at all. I also found out that somehow I had a user account on their website that I did not set up. I had to call to get that cleared off but apparently it also cleared off all of the notes on my account so now when I call in they say there is no record of my deferment. My credit score is dropping every day and this is affecting my entire life, business and loans. I have tons of stress, worry and I do not know what to do. I have learned about the lawsuit but I just want my credit score fixed.
Product: Credit card

My husband and I opened a joint account at Macy 's in XXXX XXXX when we were in the process of purchasing XXXX item. It was opened at the cash register and cards were not given to us. In XXXX we received a bill for the item and paid for it fully. We never received the credit cards but did n't think about it because we opened it only to purchase XXXX item. In XXXX XXXX we received a bill for {$1700.00} ( full amount of credit limit ) on the account. We had made not further purchases. I called Macy 's and reported it as fraudulent. The customer representative told us not to worry - that we were not responsible for the charges. In XXXX XXXX we received a letter stating that we owed {$1700.00} and that we were being reported to collections. We called and were told we needed to talk to someone in that department. We were put on hold for 15 minutes. We hung up. We mailed and faxed a letter with documentation with the help of a Macy 's manager on XXXX XXXX. It is now XXXX XXXX, XXXX and we have not received any response. However, we continue to receive automated calls from Macy 's. They are continuing to hold us responsible for the card. We did not activate the cards, nor did we sign for the disputed charges. We are in a cycle of bureaucratic ineptitude.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was charged {$37.00} from XXXX for a meal that included a {$5.00} tip. However, the following day they charged me an extra {$5.00} without my permission. I have been given the runaround by CashApp and have been told different amount of days to wait for a pending amount to clear to report by different customer support staff. Furthermore, the receipt XXXX sent me is for {$32.00}, which is not the amount I was charged. I have also contacted XXXX and received no amount of help despite showing proof of the issue. The interesting part is that the extra {$5.00} is not pending.

I have had one issue with this card regarding a different merchant weeks before this in that I was being constantly charged and given back {$2.00}. 

I have never dealt with any of these issues with other card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXXI contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.