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

TransUnion is obligated by the FCRA to report accurate account information, consumer has advised All the inquiries reported are fraud, said company had 4 days according to LAW to remove such items. Consumer filed FTC fraud report, consumer is now requesting TransUnion to provide the documentation used to determine inquiry was indeed authorized by the consumer. TransUnion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with wet ink signature. Consumer is not asking for an e-oscar report. If TransUnion does not have documentation to show these were in fact authorized it must be removed. TransUnion and its Trustee are liable under the SEC to follow specific rules. TransUnion commission file number ( XXXX ). Trans Union LLC, 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 as joint lead arrangers and joint bookrunners, XXXX XXXX XXXX XXXX XXXX XXXX, as administrative agent and collateral agent are all liable. Furnishing student loans on consumer reports is a violation of Privacy Act 1974 and Family Educational Rights and Privacy Act 1974 I have not consented to the publishing of this private information. Also, Furnishing Payment History on Consumer Reports violates 15 U.S. Code 1681a ( 2 ) ( A ) i. I am requesting that TransUnion provide documents that they received from the furnisher in the past 30 days with my approval to publish this information. I will be filing IRS 211 ( treasury omb forms ) to audit the consumer 's account. TransUnion is securitizing consumers ' data yet refusing to provide consumers a copy of their consumer file, not consumer report. FORM TCR TIP, COMPLAINT OR REFERRAL with the SEC with the claim of security fraud. TransUnion is furnishing information on my consumer file without appropriate notification and approval as required by law. IRS Form 3949-A for the IRS to audit TransUnion concerning my principal account and the income TransUnion makes from the principal account consumer file sales. Remove all inquiries Remove all student loan files. Remove utilization, Remove Bankruptcy I want compensation as provided in law for every violation.
Product: Vehicle loan or lease

I completed paperwork for the Toyota Motor Credit settlement. I received a letter that I was turned down without an explanation. I sent an email asking for details about the determination. I received a phone call on XX/XX/2019 about the settlement. I was unable to answer the call. When I called back, I was told that I was not eligible again without any rationale and, also, told that no appeals were possible. Toyota Motor Credit is still playing games. If I am truly ineligible, provide a written statement explaining. Now, I am frustrated and feel distrustful of Toyota Motor Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account : XXXX ) XXXX  Recently appeared on my credit report and it is not mine. This information is an accurate and I want it removed from my credit report immediately.
Product: Student loan

In XX/XX/XXXX, Navient sold off roughly between 15-20,000 dollars worth of my debt to a company called XXXX XXXX , XXXX. Unknowingly, when I came around in XX/XX/XXXX to get right with the debtors and begin paying on my loans with Navient ( I 'd been in the military at that point, and had a stable income ), they neglected to tell me that the debt had been sold off to one of their subsidies. So from XX/XX/XXXX-XX/XX/XXXX to now, I 've been happily paying on Navient 's student loans, unknowing that this interest was accruing with XXXX XXXX, XXXX. Until today of course, when the college that I was trying to sign up with called me back about defaulted student loans. Many phone calls and issues later, Apparently Navient knew that that the debt existed, and is now trying to get me to re-consolidate it again through them like I did the others. So essentially also paying all the interest that accrued, because they kept the sale to themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/XXXX Good afternoon, I initially purchased an XXXX home theater system, a XXXX protection plan, and a XXXX spin XXXX on XX/XX/XXXX. The total for all three was {$320.00}. I paid {$30.00} as a down payment and an additional {$26.00} that was required. The remaining balance was {$270.00}. 

Below are the dates and dollar amounts that I paid XXXXXXXX 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} _________________________ TOTAL : {$630.00} The original amount was {$320.00}, and I have paid a TOTAL of {$630.00}. I reached out to XXXX on XX/XX/XXXX regarding proof of payment history. Almost an hour later I received an automated response stating they had received my concern regarding my account. They also stated that they would refer my issue to the correct department for handling. No response pertaining to the issue at hand. 

I reached out to XXXX regarding XXXX different concerns. In XXXX, the first issue I received feedback within XXXX days, and in XXXX, I received a response within a matter of minutes. 
My credit file shows the status CREDIT LINE CLOSED/NOT PAYING AS AGREED, shows the last payment as {$0.00}, start date XX/XX/XXXX, and closed date XX/XX/XXXX. 

My credit file should show the status as ACCOUNT CLOSED/PAID IN FULL AMOUNT, start date XX/XX/XXXX, & show the last payment as XX/XX/XXXX - {$150.00}. This is all documented with emails that were sent by XXXX confirming payment. 



Warm regards, XXXX XXXX XXXX
Product: Credit card

I do not owe them XXXX dollars. I made my last payment and tried to close the acct. they did not allow me to do so and now they are reporting what i do not owe to my credit report. 
under the FCRA, Fair Debt Collection Practices Act ( FDCPA ) This U.S. federal law ( 15 U.S.C. 1692 et seq. ) regulates the conduct of debt collectors, including prohibiting harassment, misleading statements, and abusive practices. It requires that debt collectors provide written validation of the debt if you request it and sets limitations on when and how debt collectors can contact you.

Fair Credit Reporting Act ( FCRA ) This law ( 15 U.S.C. 1681 et seq. ) ensures that information about your credit history, including debts, is reported accurately. If a debt is sold to a third party without your consent, and the reporting is inaccurate or misleading, you may have grounds for challenging it under the FCRA.

Uniform Commercial Code ( UCC ) Under the UCC, specifically UCC 9-309, debt transfers ( such as the sale of a credit card debt ) must be properly documented. A creditor or collector who buys a debt must have legal standing to collect on it, and the terms of the sale should be clear. If a debt was sold improperly, a consumer could argue that the third party does not have the legal right to collect. 
Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB provides guidelines and enforces rules about debt collection practices, including prohibitions against deceptive and unfair practices. If you believe you are being subjected to predatory practices, filing a complaint with the CFPB may help resolve the issue.

State-Specific Consumer Protection Laws Many states have additional consumer protection laws that might apply, such as the California XXXX Fair Debt Collection Practices Act or similar state statutes. These laws often provide more stringent protections against predatory collections and debt sales.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Bankruptcy : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Bankruptcy XXXX XX/XX/XXXX Court : U.S. Bankruptcy Court Late Payment : XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, UT XXXX Employers : XXXX XXXX Employers : RETIRED Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

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

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

I Applied for American Express card XX/XX/XXXX and their denial states " Thank you for applying for American Express Gold Card. We are writing to let you know that, unfortunately, we can not approve your application at this time. 
Reason ( s ) for Our Decision Your XXXX score ( see below ) Information About Your XXXX Score We obtained your XXXX score from XXXX and used it in making our credit decision '' The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. 


VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ). 

The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her. 
Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain, unless XXXXne of the twelve disclosure exceptions enumerated in subsection ( b ) of the Act applies.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report that I didnt authorize. It appears my identity XXXX have been stolen, as I did not approve these accounts. I've previously raised this issue and now urgently request these accounts be swiftly removed from my report. Their presence is causing me significant stress. These entries do not accurately reflect my credit history or financial practices, and dealing with this situation has been challenging. If this matter is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These inaccuracies on my credit report are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a prompt resolution to this issue.
Product: Credit card or prepaid card

I received an invoice for a Capital One Credit card that I never received nor activated. The card was sent out XX/XX/2015 and continues to add late fees onto the activation fee that I never received nor activated. I have wrote letter after letter and the company will not remove or review as I am doing the right thing. This is fraud and it is hurting my credit. I never received the card, I never made purchases which I have proof with the statements they send to me.
Product: Checking or savings account

On XX/XX/XXXX, PNC Bank informed me that my Standard Checking account was being marked Inactive and will likely be closed. 

This is despite the fact that _every_ month for over 10 years I have deposits and withdraws into and out of this account. That includes every month leading up to this notice. 

I called customer service and they informed me that the type of deposit and withdraws I was making werent considered activity even though their values vary, the deposits are manually executed and vary by day, etc. While they agreed to temporary mark my account active again, their said their automated checks will simply mark it inactive again until he future unless I start transacting in different ways, e.g. making ATM withdraws. 

I travel a lot and am currently stuck abroad due to the COVID-19 pandemic. I dont have a debit card and have no desire or ability to make ATM withdraws. This is a bizarre definition of inactive and I will likely see my account closed despite regular activity, meeting of the minimum balance requirements, and being a reliable customer since I was a student.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I contated Experian about identity theft and unfamiliar information that was on my credit, under another account. I also brought to Experian attention of the inquiries, background checks, credit reports, credit cards, addresses, and a second account that was created in my name. I asked to dispute everything that was incorrect on my account. I was also paying monthly for Experian XXXX to keep my information secured. I mentioned my name being used for a second account and Experian customer service wasn't able to find that information. I'm trying to get an identity theft investigation in process but my attacker has all my passwords, email addresses, phone number and thanks to Experian, i was able to find out that my attacker has been using my information for 2 years. I don't know if someone has already filed a complaint under my name because every time I try to file a complaint it ends up disappearing and i have to start all over. My name is XXXX XXXX and I'm desperate for help on stopping whoever it is using my information. I also have a XXXX XXXX XXXX son who's information also has been affected by id theft. I don't know what to do or who to turn to. I'm working alone so far to find out everything i can. After contacting Experian I haven't heard back from them as of XX/XX/2022. The pictures below are just some of the things I was told by Experian that was not on my credit but it actually was.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was deleted and has been put back onto my account. As a result, I requested in XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX for Experian to furnish me a copy of the documents they have in their files to validate the disputed account for {$120.00} Date opened onXX/XX/XXXX. The account was a result of identity theft. I requested from the company a copy of the actual payment voucher ( From their banking institution ) and they could not furnish any such document ( s ). I requested once again for Experian to provide me with proof of payment as it states on my credit report and the CB has failed to furnish to date. I have sent 4 letters requesting to permanent delete the and the Experian has not responded to date with correspondence. 

NOTE* I have and still am a customer with the disputed account with no breaks in service for over 9 ( nines ) years.
Product: Credit reporting or other personal consumer reports

Unapproved hard inquiries are a violation of 15 USC 16c-2 and need immediate removal from my credit file.
Product: Student loan

It started in XX/XX/XXXX they called and said they could consolidate loans so i wouldn't have to deal with how long it takes. I haven't clicked accept terms and conditions either. spoke with us dept ed and they said it was a scam and to procede with the investigation XX/XX/XXXX. They took {$160.00} on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX this was fees to get a consolidation, but they never disclosed I could do thru government and student loan sites that are associated with the government for free in 30 min. They also said I have to set auto pay for XXXX $ every month for the service. I have called bank to block them from being able to scam me anymore. I was told they have to legally tell you its free. I did get loans consolidated with payment of XXXX $ or XXXX , but This is wrong to take advantage of someone who has XXXX in debt they have no idea. then they gave me a bogus servicer and they didn't have loans for me. called and they said it is through XXXX which it is. I asked for proof of me say yes on the phone recording of them saying he could do for free, and she hung up and said it takes weeks to do, but I know for a fact that is a lie, I did mine through us dept ed and no fees. What can I do? I want fedloan as servicer but not associated with XXXX. ALSO they told me never to go through my new servicer to call them and they handle everything only to XXXX it up. They had their phone numbers on studentloans.gov and on my servicer XXXX also i said city blue springs mo and they put XXXX   XXXX. I have yet to get anything from my servicer regarding payments. Please help or my lawyer will handle it and I spoke to my bank and am filing fraud and so they cant get any more money that I could give to my servicer and i have no signed documents.
Product: Credit reporting or other personal consumer reports

these accounts is all unauthorized I NEVER RECOGNIZED this account PLEASE DELETE them all XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX : STUDENT LOAN ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a XXXX Form. This dispute centers around an account for which I have received a XXXX Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX Account Holder Name : XXXX XXXX Account Number : STUDENT LOAN ACCOUNT NUMBER XXXX Date of XXXX Form : XX/XX/2023 The issuance of the XXXX Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the zeroed-out balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the XXXX Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the XXXX XXXX. 

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account.

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX