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

In accordance with the Fair Credit Reporting Act & Joe Biden XXXX Loan pause Extension TRANSUNION has violated my rights. 

reporting incorrect Accounts status as Accounts with Adverse Information I have a XXXX loan pause extension from president Joe Biden for Account XXXX XXXX XXXX XXXX XXXX Also, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, XXXX, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that XXXX receive information from a third party verification system known as a pacer system and then sells this information to other collection agencies. The Pacer system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report
Product: Debt collection

I have previously received an attempted debt collection from the company Sequium Asset Solutions LLC in regards to our equipment that was provided for XXXX XXXX. We cancelled our service for XXXX XXXX, paid a cancellation fee and returned all the equipment. This was over a year ago and now I am receiving additional letters from this company trying to collect this debt saying that the equipment ( tv boxes ) for XXXX XXXX were not returned and this is a fee for the collection of the equipment. We already submitted the receipt from XXXX XXXX or XXXX ( forgot which one ) of the shipping label that confirms the equipment was returned because the lady at the shipping store advised we keep the receipt as this kind of tactic is used often. I'm sick of being harassed by this company for money that is not owed. Please put an end to this as now I have a debt that's affecting my credit score for no reason.
Product: Credit reporting or other personal consumer reports

Re : ALLY FINCL - XXXX Opened - XX/XX/2017 I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it. 
For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter. 
When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank. 
This account should be deleted from my name immediately This account with XXXX XXXX many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from XXXX XXXX  Please see the documentation attached. 

This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and XXXX XXXX never notified me that they never got it from the dealer they just put it on a collection of my reports
Product: Payday loan, title loan, personal loan, or advance loan

This is a follow up regarding my closed case of numbers XXXX, I appreciate your response ; however, I firmly disagree with your position regarding the legality of the interest rates charged on my loan. 

While you maintain that my loan is governed solely by tribal law, this does not exempt you from complying with XXXX XXXX consumer protection laws. XXXX XXXX has a strict usury cap of 30 % APR on personal loans, and courts have repeatedly ruled that state lending laws apply to loans made to residents of that state, regardless of a lenders tribal affiliation. Furthermore, multiple federal and state lawsuits have determined that tribal lending entities can not automatically shield themselves from state regulations when lending to non-tribal residents. 

The fact that XXXX forgave my remaining balance suggests an acknowledgment that the interest rates were excessive and potentially unenforceable. However, this does not resolve the fact that I overpaid due to the unlawful interest rates applied to my loan. Therefore, I continue to request a refund of the excessive interest I was charged, which amounts to approximately $ XXXX {$1000.00} or more. 

If XXXX  maintains its refusal to issue a refund, I will have no choice but to escalate this matter further, including but not limited to : Filing a complaint with the XXXX XXXX Division of Consumer Affairs and the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Exploring legal action or joining class-action lawsuits against unlawful tribal lending practices. 

Bringing this issue to the attention of state regulators and legal organizations that specialize in consumer protection. 

I urge XXXX  to reconsider its stance and process the requested refund promptly to resolve this matter amicably. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please stop reporting without my written or verbal consent. Please update the account to reflect the balance is paid in full.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, 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. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 12 CFR 1016.1 Purpose and scope. 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 an inquiry from TD Retail Card Services appeared on my credit report. This inquiry was a result of fraud. It was disputed and removed from my credit report on XX/XX/2019. Later that week, TD Retail Card Services was reporting a TD XXXX XXXX credit account on my credit report. This account was then disputed and now is being reported as valid by XXXX. XXXX and XXXX have resolved the account and removed it. XXXX  will not properly assist. If the inquiry was disputed as fraud and removed, what makes you think the account is valid? Please assist.
Product: Debt collection

i was a tenet at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i moved out 3 years ago i want this debt took off my credit report this is a fraud. You can contact me at XXXX XXXX XXXX Thank You
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 those account 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 XXXX XXXXXXXX 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: 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. 

bankruptcy XXXX XXXX  - discharged : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

I recently reviewed my credit report and noticed several late payments listed that I do not recognize.
Product: Mortgage

I refinanced my mortgage in XX/XX/XXXX to Cardinal Financial Services. This was a huge mistake, because I've never had so many issues with a mortgage company before. This year in XX/XX/XXXX, I deposited {$4000.00} into my escrow account for my insurance and tax payments. On XX/XX/XXXX I asked for an escrow analysis and rebalance to be preformed on my account since I am continuing to pay {$420.00} a month to escrow even though the funds are already in the account. 

In XX/XX/XXXX, I contacted Cardinal Financial and asked to run an escrow analysis. The company refused to run this analysis for reasons I do not know. Which was disheartening to hear, as I had no other options. I waited a few weeks and contacted Cardinal Financial again in XX/XX/XXXX. At this point my escrow account balance was over {$7400.00}. They refused the analysis again, however this time I asked for a Supervisor. The Supervisor processed my request and the analysis was completed. However, nothing changed on my account. They calculated my insurance and taxes would cost {$5000.00} for the year, but did not rebalance the funds in escrow. 
Instead, Cardinal Financial decided to send me a check for {$4400.00} and continue to charge me {$420.00} a month into escrow, even though the full amount for both payments were available in escrow. This is the first time I've ever had a mortgage company not apply my escrow balance to future insurance and tax payments for that year. I own multiple properties and have dealt with several different mortgage companies. 

I do not know who can help me with this issue or what attorney to hire. From my calculations, I should have received a {$2200.00} refund, with a monthly payment of {$5.00} into the escrow account after the analysis and rebalance calculations. With previous mortgage company 's I've used, they would apply the escrow balance to adjust the monthly amounts for upcoming tax and insurance payments. 

Please help! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail today informing me that I was not approved for a XXXX XXXX XXXX XXXX XXXX applied for in my name on XX/XX/2022. I did not apply for this card or any other in recent history. XXXX shows the information submitted to the company as being an old phone number ( not current ), my first and last name, and my address. My credit score dropped XXXX points for the hard inquiry due to its chronological proximity to a pull done for a credit card I opened two months ago. I did not apply for this card ; XXXX does not allow you to dispute inquiries, so that's a problem in and of itself. The issue with Barclays is that I don't know how this bank got my information in an application and THEN failed to perform adequate checking to make sure the information belonged to the applicant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a fair assessment of my credit score by TransUnion LLC and here is why I am making this request ; 1. XX/XX/2021 : These are my screen shots of my credit scores from XXXX XXXX. 
Q : On XX/XX/2021 I had 6 changes to my credit report. 
1 change was my XXXX Card balance increased by only {$40.00} but the ( CREDIT UTILIZATION WAS ONLY 13 % ). My credit utilization was still under 30 % so why did my score DECREASE by 3pts. 
4 changes was that my balances decreased on my XXXX XXXX accounts ( If the balances decreased and the utilizations are under 30 % ( why did my score not INCREASE ) 1 changed was XXXX account was reported as Closed Account. This alleged inaccurate account has been reporting as a Closed Account on my credit for years. The status did not change so why did my score DECREASED 2. XX/XX/2021 : I had 1 change which was my XXXX account balance decreased by {$61.00}. The CREDIT UTILIZATION on this account was under 30 % so why did my credit score DECREASE BY 23PTS? 

3. Credit utilization is based on overall credit available used across all cards. The XXXX XXXX credit card you are showing below is Closed and does not have any credit available ; therefore, why are you including it in XXXX XXXX of my credit score? 
A new account was opened which should have caused my credit score to INCREASE not DECREASE. 

4. On XX/XX/XXXX, my score decreased by 10pts due to a credit inquiry by XXXX XXXX Bank for the new credit card I received. TransUnion normally only decreases points by 2 or 3 points for Credit Inquiries. Why was my credit inquiry for a card that was approved and I received 10pts DECREASE? THAT IS NOT NORMAL. 

5. On XX/XX/2021, there was NO CHANGE TO MY TRANSUNION CREDIT REPORT, but my XXXXredit score dropped by 22 points. IF THERE WAS NO CHANGES TO MY TRANSUNIN CREDIT REPORT, WHY DID MY SCORE DECREASE BY 22 POINTS?
Product: Credit reporting or other personal consumer reports

These credit bureaus are sharing False, and incorrect information that assassinating my ability to obtain credit or possibly obtain what you guys are doing is violating my consumer, right 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805. this company has been providing incorrect information since I was about XXXX XXXX XXXX and now XXXX XXXX and this has affected me traumatically. I cant even buy a house or get along.. I also was locked out of my own consumer credit Report
Product: Credit reporting or other personal consumer reports

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX I noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Equifax and they continuously report this fraudulent account to my credit report. 

XXXX XXXX XXXX XXXX Due to this fraudulent account reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Savings Bank Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states that I have the right to privacy.

15 U.S.S 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written instructions In the first week of XXXX XXXX I sent a letter to the three credit bureaus requesting they verify everything on my report specifically XXXX Savings Bank Account # XXXX. I was not provided all the information i asked for in validating the debt in regards to XXXX Savings Bank Account # XXXX. All three reporting agencies came back with the debt of this account verified. However, they did not provide the information I asked for and there multiple discrepancies between the agencies ' reports. These items are different between the agencies ' reports : -Date of last payment -Date last reported -Date last active -Date opened These can not all be accurate. All information on my credit report must be accurate and verifiable. They are reporting all different information after claiming they have verified it.
Product: Student loan

I have made attempts to pay my statement balance. The first time I scheduled the amount to be debited from my checking account on a specific date. The payment appeared to be processed on Nelnets end and my account had reflected a payment made on the date I specified. A week later I received a letter from Nelnet that the payment had been canceled.

I made a second attempt to pay my statement balance after confirming with my bank I had the accurate information listed. Again, the payment appeared to have been processed on Nelnets end and reflected the updated information as if they received and processed the payment. A week later I received the same letter saying the payment was canceled, and my account reverted back to the previous status as if no payment was ever made.

I reached out to my bank and they verified that there were no transactions from Nelnet or Dept of Education and all of my account information was accurate. I reached out to Nelnet and waited on hold for 2 hours before being on hold with support on and off for 3 additional hours.

At first they told me there was no bank information on file, then they said it was because Nelnet couldnt find the bank account. I have confirmed that the account information is correct and is the same account I use to pay all of my other bills with absolutely no issues. Nelnet kept insisting that this issue was with my bank. My fianc who has a different bank has had the same issue when he has tried to make payments on his Nelnet account. Which leads me to believe this is an issue on Nelnets end that they refuse to acknowledge or investigate. 

When I asked for evidence I could provide my bank with that Nelnet had indeed tried to deduct payments from my account, they said sure we will email you in 2-3 weeks since they are backed up right now.

My due date will have come and passed by then. If I can not provide my bank with evidence that there may be an issue on their end, how am I supposed to resolve the issue? I asked what they wanted me to do in the meantime as I did not want another administrative forbearance applied to my account. Since one had already been placed on as it took a month to process my request to move me from IBR to the graduated extended repayment plan. They said they will push back my due date to the end of the month, but that would take 2-3 days to update. It has been 4 days and still my account reflects my original due date.

I will be traveling next week and will not have the flexibility to mail a check, should they not update my due date in time. Im not even sure I would trust Nelnet to collect a check and properly apply it to my account. I do not feel it is fair to be penalized for Nelnets incompetence. I have made the attempt to contact them multiple times, and tried to make payments. I am unable to set up auto pay with Nelnet, which also excludes me from being able to take advantage of the small .25 % interest reduction. 

I have a full time job, and can not afford to sit on hold 5 hours a day in hopes that Nelnet can resolve my issues.
Product: Credit reporting or other personal consumer reports

I have some Fruad accounts and inquiries appearing on my credit report.