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

Transunion is violating my consumer rights. They are fraudulently letting XXXXXXXX XXXX XXXX  number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX XXXX to the IRS filling out form 3949- A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain.
Product: Credit reporting or other personal consumer reports

My credit is showing the {$840.00} from an unknown creditor or collection agency by the name of XXXX XXXX XXXX and a personal loan from opportune/Progresso Finan for {$780.00} as closed that was an identity theft account that still appearing on account. Also, another account as XXXX XXXX in accurate missed payments.
Product: Credit card or prepaid card

I applied for a Discover Card a few days ago and was approved immediately but wanted me to call them. After I called them, they asked a few questions like my previous address and wanted to call me on the phone number that I provided to them and then told me I am accepted and will get the card soon. The next day I got an email that they want my permission to call my tax return, so I did give them my approval. Now they want me to provide them with my three months of checking account statement, or they will cancel my credit card. Really? On top of that, they have put on limitations on my credit card. When I asked what are the limitations? A lady name XXXX said well, your credit card may not work in certain places. I dont feel comfortable giving my checking account statement to a credit card company. I think its unfair that they ask me all this verification information after I was approved for this credit card. If they wanted all this information, they should have done further investigation before giving me the credit card. I think it has to do with two things. One is my name, which is not a typical American name like XXXX, XXXX, XXXX. Somehow, they think I wont be able to pay my bills because I am an immigrant. The second reason is that I am retired. I think it has to do more with classism and xenophobia. Their credit statement clearly says that they dont decide based on race or age, but they sure are in this case. If I am already approved for a credit card based on my good credit, then what seem to be the problem? If they canceled my credit card because I dont want to give them my account statement. I am filling a lawsuit against Discover for  classism and racism.
Product: Debt collection

What Happened : On XX/XX/XXXX, Nelnet confirmed in writing that my student loan accounts had been XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX ) program, and " cancels your obligation to repay the remaining balance of your loan ... '' With this XXXX, no balance should remain, and these accounts should no longer be reported as past due. However, despite this clear status change, several of these accounts continued to be reported as XXXX  days late on my XXXX and XXXX credit reports, which is both inaccurate and damaging to my credit. 

To address this, I sent Nelnet a formal dispute letter on XX/XX/XXXX, requesting the removal of all XXXX accounts from my credit reports. Nelnet received this letter on XX/XX/XXXX. I included everything theyd need : a copy of their own XX/XX/XXXX XXXX  letter and my credit reports showing the erroneous reporting. 

When no action was taken, I followed up with a final demand letter on XX/XX/XXXX, firmly reminding Nelnet of their obligations under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX particularly under 15 U.S.C. 1681s-2 ( b ), which requires them to investigate and correct any inaccuracies. This letter reached Nelnet on XX/XX/XXXX, with a XXXX deadline for resolution. Yet, as of today, nothing has changed, and the inaccurate reporting remains. 

The inaction here is causing unnecessary harm to my credit reputation and financial stability. I am now requesting the CFPBs assistance to ensure Nelnet fulfills its legal responsibilities by promptly removing these XXXX accounts from my XXXX and XXXX credit reports. I look forward to your help in holding Nelnet accountable and ensuring accurate reporting.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Transunion are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 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. XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. It is also against the law to report transaction history. Any and all transactions should be deleted. Also, 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I set up a settlement agreement with NFCU and they told me upon completion of my settlement arrangement that they would remove it OR report it as a XXXX balance settled for less than the amount owed on my credit report. They removed the trade line from my XXXX report completely but they have simply lessened the amount owed after I paid them and not closed the account and removed it OR reported it as a {$0.00} balance to XXXX or XXXX as promised in my settlement agreement with them. The balance should either be {$0.00} or they should remove it completely to the other credit reporting agencies as well.
Product: Credit reporting or other personal consumer reports

Once again I must write to get a resolution to Equifaxs continued negligence and repeated false reporting of inaccurate and fraudulent info on my consumer report. 
This notice is to inform you that you unlawfully reported numerous accounts on my consumer report AFTER I gave notice of Identy theft : I have been included in and harmed again by another Equifax data breach. This complaint has been filed based on FCRA 605B ( 15 U.S.C. 1881 c-2 ), Equifax CRA must block and remove info appearing on my consumer report that is a result of identity theft and fraud w/in 4 biz days of you receiving this complaint. 

I have called and written Equifax multiple times in the last 6 months to correct this and to get a copy of my consumer fico report mailed to me. They refuse to correct my mispelled address also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on XXXX  that was paid off in XXXX of XXXX and wrongfully showing the account was still open. Once I disputed it in XX/XX/XXXX they claimed the account delinquent and a payment of {$1000.00} was due since the vehicle was paid off until now. I re-disputed it with the information from hyundai showing the account was paid in full and closed on XX/XX/XXXX. This did nothing. I was then told to send a letter of dispute to hyundai 's dispute center. I sent that XX/XX/XXXX. Nothing has changed on my credit report. This is stopping me from getting into a house and getting a new car. My credit score dived from XXXX to XXXX just from this fraudulent charge.
Product: Credit card or prepaid card

I have received a letter from the company Total Visa. I do not have money to have the letter notorized. The reason for the letter is that I have disputed the XXXX XXXX XXXX. I did agree to a trial from XXXX XXXX. but the service was not great and I did not agree to continue services. The sent me a email saying my account was suspended. The company has refused to accept recognition of that email and does not want to refund my account The company is XXXX. The company that needs the notorized letter is total visa. Please let me know if you need additional information to proceed with the dispute.
Product: Checking or savings account

I have been with XXXX XXXX for almost 3 years and had nothing but problems with the cell phone & customer service, I contacted XXXX  so many times about dropped calls, calls not going through, contacts are not able to hear me ect. 
XXXX  XXXX  was supposed to provide me a refund me for the inconveniences, cancel my service and auto with drawls. 

On XXXX XXXX XXXX took a payment of {$690.00} without my permission, i was told my auto with draws were cancelled last time i spoke to XXXX  in XXXX now when i called today someone is saying it's impossible to cancel them.. not only am I stressed i am disappointed that different people at xfinity say different things In addition, XXXX  was charging me for a line that was cancelled over a year ago, they agree they see it in the notes that it was cancelled but has yet to refund me. 

Bottom line is i want my refunds as promised and to to part ways with XXXX  all together
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with experian reporting my XXXX XXXX credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. XXXX XXXX reports to all 3 agencys its on my XXXX and XXXX XXXX but not Experian. Experien tells me to call XXXX XXXX, XXXX XXXX tells me to call Experian. This has been since XX/XX/2019 with no resolve. Experien tells me to have XXXX XXXX call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. XXXX XXXX told me to write a dispute letter to them and state they arent reporting but the is NO where to write the letter too. Im at a standstill loss here. I have no idea what to do next.
Product: Credit card or prepaid card

I am a Wells Fargo bank customer for the past 15 years, I have heard many times that Wells Fargo has a lawsuit going on about consumers being owed funds back due to high interest rates, credit cards, overdraft fees, and car repossessions. I would like my bank Wells Fargo to check to see what fees that I may be owed back from between XXXX, the years in question.
Product: Debt collection

I contacted the company in XXXX to dispute a fraudulent account in collections but they have ignored my police reports, affidavit, and FTC report and continue to report the inaccurate information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Mortgage

We currently have a VA mortgage through Flagstar Bank. I have had problems with them from the very first year living in the home them paying our Home Owner insurance out of our escrow. I have gotten cancellations notices from XXXX ( XXXX ). One year I had to pay the insurance out of our own pocket. I have talked to XXXX XXXX and they have every year at date of renewal reached out to Flagstar Bank. I have even called every year to see why are they unable to pay the insurance when we are have escrow and our monthly payment includes property taxes. 

This year ( 2020 ) I have gotten another notice of cancellation and discussed matter with XXXX who as I believe reached out to them on multiple occasions. I even talked to Flagstar of which it seems their incompetence is unable to press the option clearly stated when calling XXXX the option if lender press # option. 

I have now received a notice from Flagstar, " Our records show that your homeowner 's insurance expired and we do not have evidence that you have obtained new coverage. We plan to buy insurance for your property. '' This was dated XX/XX/2020. 

I served our country for 6 years honorable no Veteran should have to go through this ever when they are paying their insurance and property tax in the mortgage. I have asked Flagstar what needs to be done to not have this happen they are completely incompetent in providing a solution My name : XXXX XXXX, XXXX
Product: Debt collection

THIS IS A FOLLOW UP TO COMPLAINT # XXXX, I CONTACTED DIVERSIFIED ADJUSTMENT SERVICES INC TO SEE IF THEY WOULD DELETE THE COLLECTION ACCOUNT ONCE IT WAS PAID IN FULL AND THEY TOLD ME XXXX THE ORIGINAL CREDITOR WOULD NOT ALLOW THEM TO DELETE SUCH ACCOUNTS THEY CAN ONLY MARK IT PAID IN FULL. I WAS THEN ADVISED TO CALL XXXX TO SEE IF THEY CAN SEND AN EMAIL OR LETTER TO DIVERSIFIED ADJUSTMENTS PERMITTING THEM TO DELETE SAID COLLECTION ACCOUNT ONCE IT WAS PAID. XXXX STATED TO ME IT IS THE WILL OF DIVERSIFIED ADJUSTMENT SERVICES TO DELETE SUCH ACCOUNTS. I NEED TO KNOW IF I CAN HAVE THIS COLLECTION ACCOUNT DELETED FROM MY CREDIT REPORT UPON PAYMENT IN FULL. THIS IS THE LAST FORM OF DOCUMENTATION I NEED TO PROVIDE MY MORTGAGE BROKER TO MOVE FORWARD WITH SECURING MY HOME LOAN PLEASE ADVISE ACCORDINGLY
Product: Student loan

I graduated XX/XX/XXXX and had my loans consolidated and put on income contingent. My account has never been delinquent or has had a missed payment. I went back to school after XX/XX/XXXX which put me in another deferment and my subsidized loan interest were being paid by the government. A couple times I went below the minimum hours required and when my deferment expired I requested an economic hardship because I qualified. I was told each time to go on a forbearance even know I qualified and requested economic hardship as well as faxed all the required paperwork. I should have 0 interest built up and capitalized on my principal for the subsidized loan as the government should have been paying my interest on these but because they put me on forbearance in which I did n't request it has been accruing interest that has capitalized each year. I asked and submitted documents every time this happened and made sure I requested economic hardship and each time I was told by them they could only put me on a forbearance. I finally complained to them and XX/XX/XXXX they finally put me on economic hardship but it is showing that interest on my subsidized loan has continued to accrue during this time and the government is not paying the interest. I feel that they have purposely ignored my request each time for economic hardship and put me on forbearance to increase my debt. Interest on subsidized loans under economic hardship should be paid by the government but in my case it appears that I 'm going to have to pay it. Something is not right! They are now looking into it which makes me wonder how many others are getting XXXX!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor ( Mountain America Credit Union ) has violated my rights under 15 USC 1681 SECTION 602 states that I have the right to privacy, 15 USC 1681 SECTION 604 a section 2 a consumer reporting agency can not furnish an account without my written instructions, now under 15 USCS 1666 B a creditor may not treat a payment on account under an open consumer credit plan as late for any purpose. 

I am filing this complaint regarding an inaccurate item on my credit report that continues to impact my credit negatively. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history
Product: Vehicle loan or lease

XX/XX/2021 I went to XXXX XXXX of XXXX for to test drive a vehicle that I had seen advertised on their website and had made a specific appointment to see. 

*The window sticker was not available for me to view even when I asked to see it and asked for information ( EPA ) that would have been on the sticker. 
*The salesman XXXX XXXX did not tell me the price of the car when I asked him repeatedly. 
*When applying for an " estimate '' for the loan I was ignored when I requested several times to add a co-borrower so I could take advantage of the best interest rate Kia offered. 
*XXXX  XXXX and XXXX XXXX engaged in high pressure sales tactic that included deception, bullying and intimidation. 
* I was never shown my options for loan terms so I could make an informed decision even though I asked for them in writing. 
*My electronic signature was " accepted '' and used by XXXX XXXX the finance manager without my consent when he clicked on all of my signature spots on an XXXX. 
*I was told I was giving my information for an application not for a contract. 
*I asked to see a copy of the paperwork several times and was told I could " see it later '' *I was told I qualified for {$1000.00} cash incentive from the dealership, then it was not applied. 
*I said I did not want any warranties, service contracts or gap insurance and those were applied to the loan anyway. 
*I was told I could not leave the new car on the lot through bullying and intimidation. I was pressured into leaving the lot with the new vehicle including following me to the bathroom and waiting outside the door, and not allowing me to call my insurance company to add the car to my policy. 
* I found all of the relevant paperwork including the window sticker in the glove box of the car after arriving at my home. 
*I returned the car to the dealership on Sunday XX/XX/2021, as I believe I do not own it. 

No contract was formed as I was led by fraud by inducement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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