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

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion regarding their failure to address and rectify unauthorized inquiries on my credit report. I have attempted to resolve this issue directly with the credit reporting agency to no avail, and I am now seeking your assistance in resolving this matter.

Details of the dispute are as follows : 1. On XX/XX/2023, I first contacted TransUnion in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

2. Subsequently, on XX/XX/2023, I reached out to TransUnion again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with TransUnion, my efforts to rectify this situation were met with silence. On XX/XX/2023, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute.

4. Regrettably, TransUnion has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being.

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that TransUnion addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ).

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with TransUnion, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation.

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. If you require any further information, please do not hesitate to contact me.

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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: Student loan

This past week ( XXXX XXXX ), I spoke with Sloan Servicing personnel to request the following information : 1. Amitorization schedule 2. History of ALL XXXX payments we've made on the loans to date XXXX. A forbearance schedule While I received a forbearance schedule, Sloan Servicing staff NEVER delivered on the additional information I requested. Instead, they processed a request I NEVER made : placing my loan in forbearance. 

Despite their lack of efficacy, I was able to review the forbearance schedule only to discover that isn't the first time my loan was placed on forbearance WITHOUT my permission. Considering Sloan Servicing claims that I owe thousands more than the actual amount borrowed from XXXX ( despite making XXXX payments ), this smacks of the Consumer Financial Protection Bureau 's warnings of errors/delays/red tape/illegal actions on the part of servicing companies.
Product: Checking or savings account

Bank of America keeps denying my claim for XXXX that my lil brother admitted to me before his passing that it was him who stole the funds and keep denying my claims
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion for the past 2 years has inaccurately been reporting information on a loan account known as XXXX XXXX. On XX/XX/2019 my account status changed from good standing to a derogatory account status on my transunion report. I have have no delinquencies or any derogatory remarks on any of my credit reports. I have been in contact with XXXX XXXX and filed disputes that have been completed with XXXX XXXX stating my account was never in a derogatory status. My credit score dropped approximently 80 after transunion reported this status to XXXX XXXX account. This occurred at the same time my father with the same name filed for bankruptcy. I have a different address and social security number as well as a middle name separating me from him. Even though the account states good standing when you click on the actual transunion report it states the account is in derogatory which is highly in accurate.
Product: Debt collection

I already filed one complaint and somehow the company answered and the complaint was closed. However, that is NOT the end of it. The company claims a certain amount was paid on the debt in XX/XX/2019, and that was NOT me that paid anything on a debt that was NOT mine.

I am now submitting another complaint, because this company is violating several different federal laws. First off, this should have never been listed on my credit. I was NEVER notified ahead of listing this debt on my credit.

They have not provided ANY proof of the debt.

They have NOT answered any of my written communication.

They say the debt was paid and closed, but WHO PAID IT. MAYBE WHO THE DEBT BELONGS TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I went to purchase a car at XXXX XXXX in XXXX XXXX, Fl. Upon running my credit report with XXXX and they came back with a XXXX XXXX of XXXX. Yet my score with Experian was XXXX on XX/XX/20 and changed to XXXX on XX/XX/20, day after purchase of car. 

The difference between their XXXX and Experian 's XXXX is over XXXX points. This caused me to pay a much higher interest rate. The car dealer did something wrong or something funny went on. 

Pleas let me know if you can help me recoup the difference I have been paying in interest.
Product: Credit reporting or other personal consumer reports

I am the author of this complain and I have attached my forms of ID below as proof. 

I have checked my credit report and saw some account activity that was being reported inaccurately. I reached out to XXXX, XXXX and Equifax to dispute these items because according to my research, the CRAs are required to conduct a reasonable investigation as stated in 15 USC 1681a. The furnishers of these accounts are also required to cease reporting to the CRAs if the information is in fact, inaccurate according to 15 USC 1681s-2b
Product: Credit reporting or other personal consumer reports

I have spoken with the student loan companies to inquire about the situation. They requested that I provide my ID, which I have done, yet nothing has been resolved. Instead, they have merely added a note indicating " XXXX '' which is incorrect. I am a woman and have never identified as a man. I am extremely upset about this matter, as I believe I have rights that should be respected. I demand that this situation be addressed in accordance with the Fair Credit Reporting Act.
Product: Student loan

I have loans via ACS Education. My monthly payment was {$400.00} monthly. Without notice this company is increasing my payment to over {$1200.00} monthly. I certainly do not have the income to make this payment. I have federal student loans and another private loans as well. The company offers no deferment or forbearance options. They are setting me up to go into default. This loan was made during XXXX school. I took out this loan while attending a school in XXXX : XXXX
Product: Checking or savings account

on XX/XX/XXXX I applied for business checking account on bank of america website. They had a promotion. {$500.00} Business Checking Bonus with {$20000.00} Deposit. 

Account was opened on XX/XX/XXXX after I sent them extra documents they requested. 

Within a couple of weeks I deposited requested amount ( {$20000.00} ). However, they never gave me a promised bonus. 

I contacted Bank of america on XX/XX/XXXX. they had been transferring me between departments but could not give me any useful information. 

As a result of being hooked up on this promotion I only lost {$9.00}. 

I want them to fulfill their offer and credit my account with {$500.00}.
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

XXXX XXXX, XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I received a XXXX loan to pay off debt. I was making the regular on-time payments and unforeseeably my work hours were cut. I immediately contacted Loan me regarding the matter and they refused to offer any options of repaying the loan. I sent them a cease and desist letter and canceled the ACH transactions that were set up. After speaking to numerous representatives, I finally spoke with a supervisor who was able to assist me. I was originally paying {$840.00} a month at 95 % interest to {$500.00} a month at 0 % interest for 20 months until the loan was paid off. I requested something in writing of the new loan term but Loan Me refused to send me anything. Before I could make the payment, I went online to my account to submit the payment and they changed the loan back to the original terms without notifying me in writing. I called and spoke to a supervisor to inquire about the changes and he was rude and yelled I needed to make a payment immediately. I asked him where in writing did they make any changes and he refused to tell me and then hung up on me. I am currently working to repair my credit and am only trying to make my payments on this loan but they never told me they were changing the agreement back to its original terms. They also told me I was responsible in paying {$11000.00} back which was never the amount I owed on the balance. My original balance was {$9000.00}. The first payment I made was for {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX**** XXXX XXXX   XXXX**** XXXX  XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX** XXXX XXXX**** XXXX XXXX**** XXXX XXXX**** and XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00} Please remove/block this account as they are fraudulent & were opened without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXX, but it has been transferred many times. On XXXX, it was closed due to transfer on XX/XX/2016. The transfer date for Experian is unknown. According to XXXX, it is '120 days past due ' and Experian list it as '180 days delinquent ' which are both false. XXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low XXXX or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a XXXX time frame. XXXX. The balances are in flatted on accounts. XXXX. The date of the Last Activity are inaccurate. XXXX. The date Opened are inaccurate. XXXX. The Closed Date is incomplete on accounts. XXXX. The Dispute Status is incorrect. XXXX. The Payment History is incomplete and inaccurate. XXXX date of birth is inaccurate. 

Account XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  I was not notified properly of any negative reporting as outlined in the XXXX  Also I do not or have not done any business or have an open account with any of these people. XXXX XXXX XXXX  Please take the time and consideration to remove the incorrect information from my credit report, within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within XXXX
Product: Vehicle loan or lease

To whom it may concern, BMV finance is subject to lack of Corporate Social Responsibility.

BMV finance is subject to lack of ethic.

BMV finance is disrespect customer intellenge while they abuse the system.

BMV finance is constantly changing numbers from one letter to another, in hope to confuse the system or customers. 
Lack of efficiency and accuracy in the BMV finance department.

Abuse the customer account for making illegal money.

BMV charges customers unfairly without proof of evidence.

Threatening the customer instead of providing the evidence. 
Defamation of character and wasting time. 
I am entitled to seek any damages resulting from such misuse. 
It is upon government to audit the company in the customer 's account and their game.
Product: Credit card

an application for a credit card was started under my name without consent with application ID : XXXX I never communicated or signed anything with Capital One. 

Capital one bank USA NA inquiry made : : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Student loan

I have went to XXXX and XXXX University. Navient said they would pay my interest and hold off on my loans since my income was low. I keep getting bills from them and my loans have increased by {$80000.00} and interest accruing still. It is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the accounts were still present. The 3 credit bureaus are required to correct 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 investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.
Product: Debt collection

Phoenix financial services has been in constant contact with me accusing me of owing a debt to them and their client. I have disputed the account stating I have no knowledge of debt they claim is owed. I hav e asked for written validation from this company and have not received anything with my original signature or a contract stating that I am the person obligated to pay debt. Company claims that they have " confirmed " debt with its client, but has not provided documentation. How was this debt validated? Where is the signature? Where is the documents? This company claims they will report to credit bureaus but this is against the law because I have not received proof of accounts. I am not or never have been associated with the telephone number listed on this letter and this company has violated my rights by being in possession of medical diagnosis codes! I have been informed by my attorney that this is illegal and against the law. If this company proceeds to report these accounts without validation I will proceed to file suit
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15USC 1681 Section 602a states " I have the rights to privacy '', 15USC 1681 Section 604a Section 2, also states " a consumer reporting agency can not furnish your account without my written instructions.
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 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I've asked many times for check images. Truist has failed again and again to provide them.
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash app, ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these
Product: Debt collection

On XX/XX/2018 I sent the 1st letter to Armor Systems Corporation to validate the accounts showing on my credit report. Armor Systems keeps ignoring my request and continue to keep the negative files on my credit report ; XXXX, XXXX & XXXX. 

On XX/XX/2018 I sent a 2nd letter to provide me with a validation of this account. I have not heard from them since then. I want them to remove the negative accounts from my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) they are required to validate and comply with my request.
Product: Debt collection

I had a phone contract with XXXX years ago. When I paid my final bill, I continue to get bills. I paid the last bill that was supposed to be my final bill. Then I received notifications from a collection agency that I owed more money then after paying them about 6 months ago it 's being reported on my credit report when I was told it would not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made calls the company that submitted these inquiries and after its was actually submitted again this happened with the same companies repeatedly
Product: Debt collection

I have already paid the debt for Onemain although they will not update balance on my credit. Paid in full on XX/XX/2020. 

XXXX will not update credit with Onemain and XXXX XXXX XXXX with correct balance. 

XXXX removed old pay off debt and reduced my credit score instead of raising the score up.
Product: Debt collection

After looking over a copy of my credit report I noticed that this company was reporting an unknown collections on my report that I was unaware of. I then filed a dispute with the credit bureaus and I also send TEK Collect a letter requesting that they remove the unverified account in which I send certified letters with tracking receipts. Per CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also XXXX XXXX Compliant.