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

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

XXXX XXXX XXXX XXXX ( XXXX ) has reviewed the complaint filed by XXXX XXXX. Based on the content of the complaint, XXXX is unable to locate record of communication from the consumer. XXXX is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ). XXXX provides services to financial institutions and other businesses that have a permissible purpose under the FCRA. XXXX services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, XXXX abides by the requirements of the FCRA and any applicable state statutes. XXXX neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies. XXXX is not a collection agency and does not attempt to collect, negotiate or accept payment on behalf of its clients. XXXX clients, which consist mainly of financial institutions, regularly contribute information on closed checking and savings accounts, referred to as Reported Information. Reported information pertains to accounts reported for mishandling, closed for cause, and/or suspected fraud activity. XXXX current practice is to retain reported information on file for a period of XXXX years unless the source of the information requests its removal or XXXX becomes obligated to remove it under applicable law. The disputed items listed on the identity theft reports are not included in the consumer 's file at XXXX. If XXXX XXXX would like to obtain a current consumer disclosure report, a request may be submitted through the secure consumer portal at XXXX, by voice messaging at XXXX, or by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX, XXXX, MN XXXX. If XXXX XXXX disputes the accuracy or completeness of any information contained in their XXXX XXXX file, a dispute may be submitted through the secure consumer portal at XXXX, by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX, XXXX, MN XXXX, or by calling XXXX and selecting disputes or the caller may select other options to be transferred to a representative. 

The fraud accounts are as follow XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received notification from myfico that a personal finance account was removed from my credit report. The account referenced was an account that I have had since XX/XX/XXXX. It was one of my favorable accounts. XXXX XXXX XXXX. This account I paid as agreed and it was a good account. However, somehow this account was removed from my credit report without a dispute from me. When I called Transunion the rep tells me that the creditor XXXX XXXX XXXX is the one who removed the account. I then asked for documentation that the creditor removed it because they wouldn't have had any reason to yet the rep said he could not provide me with any proof. I'd have to get that from the creditor.
Product: Debt or credit management

This company tomoXXXX is misleading i signed up thinking I would get good credit reported and its been 2 months and there has been no update to my credit. I reached out to request a refund and I was told I agreed that no refunds would be given. When signing up I saw nothing about them not giving refunds. If you check the XXXX XXXX XXXX rating they have an XXXX  rating and have complaints ranging from stealing people 's details, not acting on there promise to report good credit and not refunding people for services not provided. Ive also read XXXX  XXXX  and XXXX dont work with tomo anymore abd there promising to boost scores and still offering a service to the public. Please help me in this situation I want my money back.
Product: Credit reporting or other personal consumer reports

Ive tried numerous times to get inaccurate information of my consumer reports by reaching out to each of the consumer reporting agencies through certified mail. Also through this CFPB portal. I have many complaints to back this up. Do to my rights as a consumer being violated for FURNISHERS OF INFORMATION UNDER FCRA. I have been denied a XXXX business loan from my bank XXXX XXXX. Ive also had my credit decreased by truist bank from XXXX to 2000 and my XXXX XXXX XXXXXXXX XXXX XXXX credit limit decreased from XXXX XXXX to XXXX. Which made my utilization go up and my consumer score go down. So I had to file a I identity theft report. Which you will see in my documents. I will be taking legal actions for this violation. Also I will be sending each of the consumer reporting agencies an arbitration letter. For my rights being violated as a consumer. All of the laws are in my documents also proof of the losses I took from this violation. I ask to remove all accounts that Ive tried to get rid of. DO NOT PUT A FRAUD ALERT ON NONE OF MY CONSUMER REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email describing a bundling package where they handle the billing for the internet services and XXXX XXXX in one package. The price was {$89.00} + tax for both internet and TV services. I called and qualified the items on the email I received from XXXX with the XXXX sales person and he said yes! that is the package I will sign you up for. I asked him to send an email confirming that and he said he needs to complete the sign up process and needs my credit card before he can do that. After installation, the installation Teck. asked me to sign saying that he had finished installation and that I was satisfied with the installation and I did. 3 day later not receiving my email confirmation from XXXX or XXXX I called both of them and they said they would not honor the email sent from XXXX and if I cancelled the {$200.00} a month service they will charge me a early termination fee of {$450.00}. I did cancel and I did not pay their extortion money. Two items have been placed on my credit report. 1. from XXXX who sold it to ( XXXX XXXX ) and they list it as in collection for {$440.00} 2. From XXXX who list it as a charge off for {$240.00}. These two actions have dropped my FICO score from XXXX to XXXX. These are the only derogatory remarks on what was a very solid and well earned credit score. I would like to have both of these items removed. I will attach the email I received from XXXX and the last billing statement from XXXX. Thanks! Sincerely " Victim of XXXX purchasing XXXX XXXX ''
Product: Debt collection

I ( a natural person ) was issued a false debt that was furnished on my consumer credit report. I disputed this alleged debt directly with the debt collector and in its findings it was found that the alleged debt did not belong to me and was inaccurate. Furthermore, the debt collector, AARAGON COLLECTION AGENCY LLC provided my letter of deletion and a XXXX out balance which I have uploaded alongside with this complaint for the companys failure of. However, during the duration of this inaccuracy furnished on my consumer report has cause harm and damage. Why should I have suffered anxiety, loss, and a consumer report with a negative account that did not belong to me for the unlawful willing failure of. During this time I was depressed, overwhelmed with anxiety, and violated by AARGON COLLECTION AGENCY LLC. The furnished alleged debt on my consumer credit report violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy in consumer reports, infringed upon a consumers right to privacy, and no permissible purpose/no written instruction.
Product: Credit card or prepaid card

I had leased office space because of a contract with certain performance issues by the other party so my expenses increased. Because the party did not perform I did not make any income forcing me to get a job with a lower income. This caused me to make payment lower then the amount due. Capital 1 took my security deposit, applied it to the balance and then closed the account despite the fact that I was making good faith payments to demonstrate I wanted to meet my obligation I just did not have the funds to pay the total amount due.
Product: Credit card

I made my minimum payment due on my credit card ending in XXXX on XX/XX/XXXX On XX/XX/XXXX that payment was returned, due to a bank error. I never received notification that this payment was returned. Nor did I receive notification that I needed to process the payment again. Per Navy Credit Unions past, and current practice, with credit accounts I have with them, including loans, Navy credit union will automatically retry to process payments multiple times if XXXX gets reversed. They detracted from their customary practice in this instance, and did not notify me that I needed to process my payment again. 

I eventually noticed the situation on or about XX/XX/XXXX and processed the payment agasin, successfully. 

I am a consumer with a XXXX, a XXXX XXXX XXXX survivor. I have memory, learning, and cognitive, XXXX. My special needs require accommodation, in the form of proper alerts. My righta to have my XXXX needs met, and accommodated, as required by the Americans with Disabilities Act were violated in this instance. As a consequence, I was reported XXXX  days late to the credit bureau 's fopr my XX/XX/XXXX cycle
Product: Checking or savings account

on  XX/XX/XXXX  w hile attempting to use my debit card i was denied, upon further review i went to go look at my account online to see what the problem was. apparently someone withdrew   XXXX   from my account and over drafting it in the process, so i alerted the fraud department as soon as possible and they said i had to wait until the   XX/XX/XXXX  to file a claim in which i did. fast forward 4 weeks and i get a letter saying that they  came to the conclusion that i had withdrew the money. i contacted them again and they refused to reopen the claim citing unless i had some kind of proof like a police report that they wouldnt reopen it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the issues surrounding an account found on my credit reports named XXXX XXXX XXXX  '' # XXXX account that had many inaccurate information on payments with CFPB as of to date per XXXX and Experian it ( shows that I made a payment in XXXX OF 2023 ) ; I have Never made any recent payments to this company- ( please ask to see a payment receipt from said company it will show nothing! I have no copy of any paid receipts, no recordings of such kind ) reporting payment dates, etc.. as of to today. This company is reporting something that is FALSE and intentional! This goes against section 623 of the FCRA and regulation V. Second, I have also reported this a few times with credit bureaus and both XXXX and Experian with the exception of XXXX has removed/ deleted the account. 
This said account was opened XXXX ( it is now aged at 10.4  months old ) and after verifying with a free annual credit report and the bureaus this account has EXCEEDED the FCRA rule which is " a consumer reporting agency can no longer report negative information that is more than seven years old. '' As a consumer they have violated my rights and is not in compliant. I demand that they remove this account immediately across XXXX and Experian bureaus. They are strictly in violation of my consumer rights.
Product: Credit card or prepaid card

I am the Personal Representative for the Estate of XXXX XXXX XXXX XXXX XXXX XXXX, last XXXX numbers of the American Express Credit Card XXXX, Last four numbers Social Security : XXXX. 

On or about XX/XX/XXXX, I notified American Express ( XXXX  ) that XXXX XXXX died XX/XX/XXXX and asked XXXX to close the account. I was informed that the account had a balance owing or {$140.00}. I a sent my check # XXXX, dated XX/XX/XXXX. XXXX  deposited by XXXX  on XX/XX/XXXX. 

In or about XX/XX/XXXX, I begin the process to collect the membership rewards for the Estate. 
A letter dated XX/XX/XXXX from XXXX stated, " ... we're unable to complete your request ... Account has past due amount of {$990.00} ''. 

I mailed a balance dispute letter XXXX XXXX. In addition to providing evidence that the {$140.00} was paid, I sent information to document the payment of XX/XX/XXXX account billing. 

On or about XX/XX/XXXX, I received an email stating that XXXX was confirming a change of address, phone number, and email for the account. 

I called XXXX today XX/XX/XXXX to tell AM that I did not request a change in address, etc. The Customer Service Rep. stated that the account had been turned over to a Third Party Collection Agency, the system was down, and I should call back after 48 hours.
Product: Student loan

I put numerous complaints in all yall did was refer to department of education which did NOTHING!!! 

I want my loan forgiven hit XXXX payments in XX/XX/year> its been over XXXX  months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has not reported on my TransUnion since XX/XX/18 as paid or current as by my report Transunion File # XXXX XX/XX/2018 I have paid as agreed and have all of my money orders as proof as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DP OF EDUC XXXX Balance Owed : {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed Vice President XXXX XXXX at XXXX XXXX for him to explain the process of obtaining a home equity line of credit. He pulls my credit without my consent and now i have a ding on my credit report because of it and not once did i ever give him permission to pull my credit. I simply asked how the process worked. Hes tried to cover his tracks by telling me oh it doesn't hurt my credit for that type of stuff but when you look at the credit report, a mortgage inquiry is very high risk on experian. i told his company what happened in a support chat and all the said what sorry for the misunderstanding. This is extremely unprofessional and i believe they should be able to get this removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

I spoke wit this company twice over the last few days. I told them I was busy the first time and that I will call back when I can. They called the very next day while I was at work. I told them I can not talk but continued on. I told them I am a few weeks away from making a payment. They then accepted that and hung up. Today they withdrew XXXX from my account, and now I am going to miss my rent payment. I called them and they have not answered or returned my calls. The name of the company is Receivables Performance Management.
Product: Debt collection

First, the debt is over 6 years old. XXXX keeps selling it to different debt collects. I already informed one to stop calling me because I was unemployed and could not do anything at the moment. They continue to call me 4+ times a day. They have hung up on me when I ask for names and they now called me at XXXX PM on XXXX When I asked them why they were calling me after XXXX, they hung up. They called also today on XXXX at XXXX XXXX. I have asked them to stop calling me and they have called for the following days and times : XXXX XXXX AM XXXX XXXX PM XXXX XXXX XXXX pm, XXXX XXXX XXXX pm XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX am XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX om XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX at XXXX PM
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX  XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXXXX/XX/XXXX {$4200.00} XXXX   XXXX XX/XX/XXXX {$4200.00} XXXX  XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX   XX/XX/XXXX {$1300.00} XXXX  XXXX XX/XX/XXXX {$870.00} XXXX  XXXX had a lawsuit in XXXX.

The for-profit company that operates XXXX  XXXX Colleges in XXXX, XXXX  and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} million in loans for 3,389 former Kentucky students.Kentucky Attorney General XXXX  XXXX and other attorneys general Monday announced a settlement in which XXXX   XXXX XXXX. will forgive {$100.00} million in outstanding loan debt held by more than 80,000 former students.

The state and federal settlement with one of the nation 's largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} billion.

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness.

*Indiana Attorney General XXXX XXXX said the deal will provide {$5.00} million in loan forgiveness to 5,530 Indiana students of XXXX  XXXX College and XXXX  XXXX   XXXX, i also did not receive my {$1300.00}. Due to this XXXX  XXXX  closed my accounts but did not remove them. I would like them removed also
Product: Debt collection

Midland Credit Management was paid in full on XX/XX/2020. On XX/XX/XXXX, I called to request a receipt for payment, because one was not provided at the time of payment. I was then informed, though my balance is {$0.00}, that the business doesn't provide receipts for payment and that I'm not " eligible '' for a letter documenting the full payment until ten days after the payment was made ( two days before the hearing date ). The warrant of debt was received by courier ten days after the date recorded on the document. The mailed legal documents, dated XX/XX/XXXX, were deposited in my mailbox twelve days after the date printed on that document, on XX/XX/XXXX. When I contacted Midland to ask if they intended to continue pursuing a lawsuit on a {$0.00} account balance, MCM 's representative responded XXXX twice ), with only, " Well, you do still have a [ lawsuit ] ( paraphrased ) ''. Now, I'll go to court to defend myself from litigation over a debt that is no longer owed, without a receipt, having only a printed screenshot of the payment confirmation and my bank record of payment, because Midland Credit Management says it's not their " policy '' to provide receipts for payments made to them. Incidentally, I originally took on the debt ( now, finally paid ) in order to get food.
Product: Debt collection

In XX/XX/XXXX, from an offer to provide high speed internet access, I made arrangements with XXXX XXXX XXXX to replace my Spectrum service with less-expensive and higher speed service. The XXXX XXXX XXXX technician installed the service, but warned me that I would likely not be satisfied with the available speed. The available speed in my neighborhood was only 3 mgs as the fiber connectivity had not reached my area. My previous speed from Spectrum was XXXX mgs. He told me that I had to call XXXX XXXX XXXX to cancel the service. I did so and XXXX XXXX XXXX agreed to the cancellation. They told me that I would see the net zero bill in XX/XX/XXXXXXXX the billing balance due that month had been reduced but was not at zero as promised. XX/XX/XXXX's bill was further reduced but still not at zero. Each month I spoke to XXXX XXXX XXXX and was told it was just an internal process to back off the charges and for me not be concerned. XXXX weeks ago, I received a collection letter from XXXX XXXX XXXX for the residual amount of {$110.00}. Since then I have received two collection phone calls informing me that the uncollected debt was going on my credit report. I spoke to XXXX XXXX XXXX again on XX/XX/XXXX and they told me that they would correct the issue, but it would take time to negotiate service costs with the collection agency. To their admission, I do not owe the debt, but because of their delay in processing, it has cycled through to the point of collection. They keep telling me the right message but the never follow through to closure. XXXX XXXX XXXX 's incompetence has now turned into harassment.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint against TransUnion due to their continued failure to provide evidence of a legitimate investigation into my dispute. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) is unacceptable, and I demand immediate corrective action. 

On XX/XX/year>, I issued a formal warning to TransUnion, demanding specific, verifiable proof of their investigation into the disputed accounts. I made it explicitly clear that failure to comply would result in a lawsuit against the credit bureau. Instead of addressing my concerns, they once again provided a generic, non-substantive response, which does not constitute a valid investigation. 

This behavior strongly suggests that TransUnion has never actually verified the disputed accountsa direct violation of my rights. By failing to produce clear, specific results tied to my dispute, they have engaged in deceptive practices and have willfully neglected their legal obligation to conduct a thorough review. 

At this point, I am left with no choice but to escalate my complaint further. I expect the CFPB to take immediate action against TransUnion for their repeated FCRA violations, lack of transparency, and failure to properly investigate disputed information. 

I demand : Immediate and verifiable proof of investigation into each disputed account.

A detailed explanation of how TransUnion allegedly verified these accounts. 
Removal of any unverified accounts that remain on my credit report without legitimate substantiation. 
Accountability for TransUnion 's repeated failures to follow federal law. 
If TransUnion continues to ignore my legal rights, I am fully prepared to take legal action against them. Their failure to uphold FCRA regulations and their continued bad-faith responses will not go unchallenged. 

I expect the CFPB to hold TransUnion accountable and enforce compliance. I am prepared to provide all necessary documentation to support my case.