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

I have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS listed below are reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting 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. 

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  has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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

Dear CFPB I would like to bring to your attention that transunion credit reporting agency are you conducting proper investigation! I recently asked them to conduct an investigation on inaccuracies on my credit report they sent me noticed via US mail stating that the account was verified and reporting correctly. So I reviewed my credit report I noticed that XXXX XXXX account was updated back in XXXX. My question is how could they verify a tradeline dated for XX/XX/2019. And the status update shows XX/XX/2019? This proves that their was no investigation conducted on transunion behave.see attached credit report. The FCRA clearly states that all consumers disputes must be 100 % investigated. In this case transunion has violated the FCRA as you can see factual base proof that they didnt investigate XXXX XXXX account and I would like for this account to be deleted immediately ( cfpb look at the status update still showing XXXX of 2019 lets keep in mind the credit report is dated XX/XX/2019 but yet in their comment the account has been verified. Nothing was done on transunion behalf clearly breaking the law! 
PLEASE DELETE THIS FROM MY CREDIT FILE DUE TO FAILURE TO CONDUCT A PROPER INVESTIGATION Sent from my XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and inconsistent information reported regarding the XXXX account ( account number XXXX ) on my credit report. After communicating with XXXX XXXX Executive Office, I have been provided details that contradict what is currently reported by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s2, furnishers of credit information are required to report accurate and consistent information to credit bureaus. 

Here are the specific discrepancies between what XXXXXXXX XXXX alleges and what is reflected in my credit report : Date Opened : XXXXXXXX XXXX alleges the account was opened on XX/XX/XXXX, but there are discrepancies in the credit report where it shows different dates across bureaus. 
Date Reported : TransUnion lists the " Date Reported '' as XX/XX/XXXX, while XXXX shows XX/XX/XXXX, and XXXX reflects XX/XX/XXXX. These inconsistencies must be corrected for uniformity. 

Date of Last Activity : XXXX XXXX alleges that the last purchase on this account was on XX/XX/XXXX, and the last payment made was on XX/XX/XXXX. However, the credit bureaus are reporting varying dates of last activity, which leads to confusion and potential negative impact on my creditworthiness. 

Charge-Off Date : XXXXXXXX XXXX alleges that the charge-off occurred on XX/XX/XXXX, but this information differs across credit bureaus, leading to inaccurate reporting of the account status. 
Last Payment Date : According to XXXX XXXX, the last payment on this account was made on XX/XX/XXXX, but my credit report lists differing last payment dates. 

These discrepancies are causing harm to my credit scoXXXX and standing. As outlined under 15 U.S. Code 1681s2, furnishers are required to provide accurate and complete information. I am requesting that you investigate these inaccuracies, update the account information across all three bureaus, and ensure that the data is consistent with the details alleged by XXXX XXXX.
Product: Debt collection

YOUR COMPLAINT This account was sold to a third party client by the name of Portfolio Recovery ( PRA ) without my legal consent authorization. I have not received any written agreement from this client which is in pursuit of 15 USC168B. This can potentially be against 18 USC 1028A as Aggravated Identity Theft to myself as a consumer. I have not provided Portfolio Recovery my wet signature in regard to this collection. This collection was originally in the care of XXXX XXXX. In correspondence of this information, PRA sent documents to my mailing address to have me filled out a identify theft document as I declined because identity theft was not done by me but by PRA when they purchased my account as highlighted in yellow from the previous debt collection company.
Product: Credit card or prepaid card

My wallet was stolen and as I dont use my Wisely card often I didnt notice it right away, Charges were made over XXXX miles away from my home. I contacted ADP who was less than helpful, couldn't speak english and was told to email XXXX XXXX XXXX for a provisional credit as they do not do this automatically i emailed the dispute address asking for a provisional credit under regulation E. A few days later i recieved an email saying they closed my dispute. When this happened I didn't have an issue with XXXX, or my local bank. A quick XXXX search showed many complaints of ADP doing the same thing to customers who requested a credit and not handling disputes accordingly. i am not one to complain but this is ridiculous and the lack of compassion and professionalism is unreal. my next step will be contacting the CPFB, FTC, the state attorney general, and contacting a lawyer if this isn't resolved. ADP needs to reopen my dispute and credit my account. DISPUTE CASE # 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

XXXX XXXX is selling deceptive information to XXXX and Experian. This allege debt has not been properly validated as belonging to me and I have received no notice of my right to dispute this debt before it was added to my consumer report. Under FCRA each reporting agency is required to report 100 % accuracy how was this debt account verified when there is not court judgement that makes me liable for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make XXXX modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.
Product: Credit card or prepaid card

XXXX, I tried to make an online purchase with my Victoria Secret credit card which is through Commenity Bank. They suspected fraud because I was sending the merchandise to my daughter in Florida. They shut my card down and told me that in order to have the the card back active, I would have to send a copy of my Social Security card, Drivers License and a utility bill to XXXX XXXX XXXX XXXX OH XXXX. I told them in this day and age no one would be stupid enough to send their Social Security Card in the mail where anyone could get it and steal your identity. I am sure that the Federal Government would not want someone to send their Social Security card in the mail. I was told that if I didn't do what they wanted they could not help me and my card will be cancelled. I asked them what protection do I have if someone obtains my identity and they told me no I have no protection. I do not believe this should be legal. No one should be able to ask for a copy of your Social Security card and your Drivers License just to lift a hold on their credit card. I did not need to show my Social Security Card when I opened the account. Just as you are not asking me for my Social Security number in this complaint, no one should.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to my most recent copy of XXXX and Experian consumer report. I see that an XXXX Bank account XXXX reporting on those XXXX consumer report without my written consent and also is reporting account transaction information also adverse information regarding alleged account. Please be advised I am not requesting account verification via XXXX nor other third party consumer reporting agency. I want to make it known that XXXX XXXX, XXXX, and Experian are violating my consumer rights regarding this account. 15 U.S. Code 1681c states that no adverse information is allowed on the consumer report. XXXX XXXX  reports that the alleged account is a charge-off/ late payments on the account. 15 U.S. Code 1681b states that a consumer reporting agency shall furnish information In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It is evident that XXXX and Experian current compliance procedures have failed me as a consumer. I am sure If I completed a Freedom of Information Act form to request accounting information related to XXXX bank as well as XXXX XXXX XXXXo see how the consumer data has been securitized and being traded. I will also look into a Forensic Accounting audit by a XXXX XXXX to capture the security fraud that is currently being committed by these companies regarding my consumer data/signature/applications. 
XXXX XXXX XXXX XXXX XXXX # XXXX Commission file number XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX
Product: Debt collection

I have been dealing with this issue since XX/XX/XXXX. I applied to rent an apartment, and the agent to me I had to pay a larger deposit because of a collection account from, Hunter-Warfield, where I owe another apartment complex. I told her NO, I have never heard of that because I left my last apartment, XXXX XXXX in good standing with no balance owed. I have never heard of Hunter-Warfield, nor was I ever contact by them or received anything. So she says I should contact that apartment and inquire. I did exactly that, and I spoke with the Regional Manager the first time I called and he said to give him the apartment number and he could look it up by that way. He did so and said he could not find me in the system. He said to contact the previous property management, which is XXXX. I contacted XXXX by email and the reply was, " All records pertaining to XXXX XXXX were turned over upon sale of the property. You will need to speak with current management. '' Ok, so I contacted XXXX XXXX again, the new management is XXXX. I spoke to XXXX different leasing agents, told them what XXXX said, gave them the apartment numbers again, and they said I am not in system owing anything. I contacted XXXX again, and their reply was the same as before. XXXX, now its XXXX XXXX after all the back and forth with trying to clear account info up with apartment and still no resolution. I start disputing with Credit Bureaus. I asked them to contact the original creditor, XXXX XXXX, but they never do. I sent in documents where I mailed a certified letter to Hunter-Warfield. Still, no reply from Hunter-Warfield. I have the return receipt from the postal service, where the collection company signed for letter, but still no reply. I called Hunter-Warfield and the representative, yelled at me and hung up while I was talking to him. I am at the end of what to do to get the collection that I do not owe off my credit report. It makes no sense that I would not pay a balance owed, according to credit report of {$170.00}, when I was paying over {$800.00} a month rent. It almost a year and it is still not deleted from my report. I am requesting Hunter-Warfield be deleted from credit report due to the fact they failed to provide me with requested information, and conduct a thorough investigation with the original creditor. Hunter-Warfield failed to remove its collection from my report after I mailed the certified letter for them to stop reporting on my credit. Still, to this day, XX/XX/XXXX. I have received nothing from Hunter-Warfield, no cooperation from them. Please delete from my credit report. Thank you.
Product: Checking or savings account

I originally asked Discover bank to open a checking account. They instead opened a online savings account for me. On XXXX XXXX deposited a {$15.00} check using there app. On XXXX XXXX received an email saying my check had been posted to my account. That's the last time I was on there app on my account. On Friday XX/XX/XXXX I received an email from discover bank saying my account was frozen. I called that afternoon and was told it was closed due to a business decision by discover bank. I asked for a reason and was told they didn't have to give me a reason. I then asked about my {$15.00} and was told it was sent back to XXXX XXXX. I asked how they could return {$15.00} to a bank after it was already posted to my account. Discover bank said that's what they did. We contacted XXXX XXXX  and was told they wouldn't return the {$15.00} because they couldn't be sure if the funds were mine. That's a lie because I've been receiving a check every month from that account because of a part time job. Also on XX/XX/XXXX I requested to speak to a supervisor. The lady put me on hold for XXXX minutes. She came back and said she could not find a supervisor but she would have one call me back in 24-48 hours. It is now Tuesday XX/XX/XXXX and still no call. I know that lady never tried to get a supervisor on the phone because before I hung up I told her to tell her supervisor I was filling a complaint with the Federal Reserve. She said I already did.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is incorrectly reporting my Federal student loan balances as {$5.00} higher periodically every month. This is either because Mohela, my student loan servicer, is reporting the loans incorrectly, or because XXXX XXXX is reporting the loans incorrectly, or both. As a result, every month my credit score creeps downward by a little bit, like XXXX XXXX 

On XX/XX/2024, XXXX XXXX reports incorrectly show that my Mohela/Dept. Ed. loans went up by {$2.00}, {$4.00}, {$5.00}, {$6.00}, and {$7.00} ( I have 5 loans ). However, I am on the XXXX repayment program, I made my minimum payment due, and the balances did not go up according to statements from Mohela 's website. This caused my XXXX and XXXX scores to go down by XXXX XXXX XXXX XXXX 

Similarly, in XXXX, XXXX XXXX reports incorrectly show that the loans went up by {$7.00}, {$24.00}, {$84.00}, {$95.00}, and {$100.00}. I made minimum payments then, and the balances did not go up according to Mohela. This caused my XXXX and XXXX scores to go down by another XXXX XXXX XXXX XXXX 

What's more, XXXX XXXXXXXX XXXX  does not have a way for these complaints to be made. 

I've attached some corroborating documents.
Product: Student loan

I had to co-sign for my son 's Sallie Mae loan for his senior year of college. According to my MSA, ( Marital settlement agreement ), my ex husband is responsible for XXXX of ALL college expenses, and student loans were NOT to be in the children 's names. I also have a court order ( XXXX XXXX, 2016 ) in which orders the loans to be transferred into HIS name. I have spoken to Sallie Mae, and they refuse to transfer ownership of the loan. Please advise how to proceed
Product: Debt collection

I had an account with XXXX which I always paid on time while it was opened. I closed this account on XX/XX/year>, however XXXX XXXX I reopened the account which I never did. I contacted XXXX and complained about them reporting late payments on an account that is supposed to be closed. They said they would close the account n the credit report, however, they never did. Please helpline me. If they continue to have this account opened they will continue to report late payments and this is affecting me. I am requesting this account to be cleared sed and all payments removed. Thank you