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

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/2024 of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, high balance is reported differently in the credit agencies, date of last activity, last payment, and credit. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation. 
3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account in my Equifax credit report which is : Report Date XX/XX/XXXX Credit File Status No indicator on file Average Account Age 6 Years, 4 Months Length of Credit History 6 Years, 4 Months Oldest Account XXXX XXXX | XX/XX/XXXX Most Recent Account XXXX XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the impacted consumers of the Equifax data breach announced on XX/XX/XXXX. On Equifax site I am informed I am one of the potentially impacted consumer and when I tried to enroll for the free TrustedId program for those impacted by cyber security breach, I am informed I am already enrolled with am effective date of XX/XX/XXXX. Tried reporting the issue over phone to the contact center, and failed to take a complaint or registering the reported incident, and was redirected to the site where there is no additional means to report the issue. I repeated that I am very concerned that somebody with my information has enrolled but Equifax said there is no way they could do anything on that.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX  XXXX Date of inquiry : XX/XX/year> XXXX  XXXX  Date of inquiry : XX/XX/year> Late Payment : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX** XXXX  XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXXL XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, ND XXXX Also Known As : XXXX, XXXX, XXXX  Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I most likely am one of the individuals impacted by equifax 's recent hack. I have not signed up for their protection program because their terms and agreements seems to waive my rights despite this being a wrong on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX is still being reported. However this account was closed in 2014 when I purchased a new vehicle. XXXX XXXX  has manytimes refused to submit a timely response to my questioning concerning this account.
Product: Credit card or prepaid card

I tried closing my PayPal credit account with synchrony bank due to fraud twice. Ive never opened the card and called the fraud department twice. Nothing is being done. The credit card is still active and charged. They have failed to prevent fraud and is part of the problem
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXXXXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

To whom it may concern : As I have been facing reduced work hours due to COVID-19, I had to reach out to each creditor I owe money to work out some kind of relief. While the vast majority had granted me a deferment or waiver until I get my hours back, unfortunately Citibank ( servicer of the Best Buy Visa Credit Card ) has refused to work out an agreement due to my current situation. I talked to XXXX ( ID XXXX ), from Customer Service last week. She declined to waive the payment temporarily, or apply a deferment. Not even allow me to pay as much as I can as my financial situation allows me. One more time, Citibank is lying when they offer COVID-19 relief, and I feel like they have something personal against me, even I made my best to pay on time.
Product: Student loan

I'm being inappropriately being denied Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) ( passed under The Consolidated Appropriations Act, 2018 ) by Fed Loan Servicing and the Department of Education. I have had years of miscommunication regarding the original Public Service Loan Forgiveness program and found that that I qualify under the TEPSLF I requested that Fed Loan Servicing conduct a
payment audit in XXXX XXXX to document my payment history and received that documentation outlining all payments.

I received official documentation from Fed Loan Servicing in XXXX XXXX that acknowledged that I needed seven more payments to qualify for the TEPSLF, therefore I made payments ( some credits earned during Covid forbearance ) and received credit and reapplied to the TEPSLF in XX/XX/XXXX after meeting the requirements previously stated to me in writing by Fed Loan Servicing in XXXX XXXX and today the Department of Education sent me an email stating that in XXXX there were 12 months of payments that were made while my account was in forbearance and because it was in forbearance those payments will not count. I don't recall putting my accounts in a year forbearance, I think this was done in error by the servicer because why would I continue to make payments on an account that was in forbearance. Also Fed Loan servicing did an audit of my payment history and communicated that seven more qualifying payments were needed. I satisfied that requirement as outlined in the XXXX XXXX Fed Loan Servicing Letter and the loans should now qualify under the TEPSLF. I received a new official letter today ( XXXX XXXX, XXXX ) stating that I need eight more payments. I have NO confidence in any information I receive from Fed Loan Servicing because last year ( XXXX XXXX ) they said I need seven more payments, I made those payments and now ten months later they say I need eight more payments. They keep moving the finish line ; this is unfair and deceptive practice and serving mismanagement and incompetency at best.
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit.

I demand these accounts be Deleted from my credit report Immediately.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four years ago when I received a copy of my credit report it listed 2 addresses that I never lived at. I contacted the credit reporting agencies and they said they would remove it. They did but then put them back on and added another one. I spoke with XXXX at Equifax last week trying to find out who is submitting this information so I can contact them, and he gave me the run around and would not tell me who is submitting this information. He gave me the phone # for Business Customer Service and said try them. I spoke with XXXX and she told me she could not help me. I called back and spoke with XXXX. When I explained to him why I was calling he said to me, maybe you are better off not knowing. I want to know so I can put a stop to it. They have me living at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. There is no such address. I have been living at XXXX XXXX XXXX for 37 years and there is no such #. They have me living at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. That is my lawyers home address. I do not live with him! They also have me living at XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX. I have never lived there. I have never lived out of the state of NY. After speaking with XXXX he said he would send me an updated report with the addresses removed. They are not removed as I received the report today but listed as previous addresses. I want them removed! I have never lived at those addresses and I want to know who is submitting this information.
Product: Debt collection

I was in the military and had been sent to the hospital. During my active duty status and was never given a bill now in XXXX of XXXX  I have an outstanding debt of XXXX Which should not be up to me to pay for declaring I was in the military active status at the time of hospitalization
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan from XXXX XXXX about 5 years ago XX/XX/XXXX to be exact for {$100.00}. I checked my credit score in XXXX and tried to dispute the account because it was closed and sent to a collector and the debt was also listed for {$240.00}. However, when I went to check my credit score again in XXXX they opened the collection again this time they changed the date stating that I opened the account in XXXX of XXXX, which is incorrect. I tried to dispute it again for incorrect information and they reopened the debt again reporting the date as XX/XX/XXXX and I have not been in contact with or received a loan from XXXX XXXX  since XXXX. They have not sent me any mail or notice stating that I have a debt nor have they sent me anything saying why the loan has went up over {$140.00}. They keep reporting the debt on my credit and changing the date every year or two. Then when I try to log on or speak to someone I can never get in touch with anyone. The information they are reporting is false, I have not had or received a loan from this company. And they keep reporting an old loan that has been sent to a collection agency and should have been closed. Its inconvenient and unfair that a company can continue to fabricate and falsify documents and information.
Product: Mortgage

On XXXX XXXX, 2015 I reached out to a loan officer at Suntrust Mortgage in XXXX Maryland regarding a VA XXXX He quickly filed the paperwork and sent it to me. I signed the paperwork and asked my wife to hand deliver it to his office, since it is close to her place of employment. He then sent me another set of paperwork to lock in the rate. We then communicated via email that this was the rate to be locked in. Now, two months later, after hearing him complain about how busy they are, he is trying to tell me that not only is my rate not locked in ( and it would have been more than .5 % lower than what is available today ) but that he has had to add on extra fees. It has taken so long that I have had to make a mortgage payment in between, and I am concerned that they will use that fact as justification to change the deal. Since rates have gone up so much since then, I can not go anywhere else to get that deal. I was working with another company to refinance, but since my money is in a Suntrust bank, and my original mortgage was with them, I figured that I would give them the opportunity to match. They did, now they are trying to back out of it, and making all sorts of excuses. I have been in contact with the Branch Manager, who has yet to reply, the Loan Officer called me after I sent the initial email to his manager and angrily raised his voice on the phone with me. I do not want anything more or less than the deal that I signed. All of these " technicalities '' that go unexplained, and that benefit the banks, are the reason nobody trusts them anymore. I have made every attempt in the past two months to maintain lines of communication with this loan officer, and all I get is excuses, if anything at all. This is unacceptable. Suntrust Mortgage is allowing this to happen. If I had the ability to contact their executive membership, I would. Veterans, Beware. This bank, though it is XXXX of the better XXXX I have worked with, has some shady people in their Mortgage department. But, they are only human. I trust that they will eventually do the right thing. I hope. It is a savings of XXXX dollars per month, and that is quite a lot. Two months is too long for a VA " XXXX '' XXXX.
Product: Debt collection

Debt collector calls multiple times per day. Some are in the morning when I 'm still sleeping.
Product: Credit reporting or other personal consumer reports

Experian has NON-MAILABLE addresses on my Credit profile. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ARE NON-MAILABLE!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have sent money by Zelle to an account which I got scammed for, and I requested the money to be returned and the bank didnt do nothing about or Zelle
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
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 XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity bank is reporting that I have 3 accounts that were written off and sent to collections. On XX/XX/2020. I spoke with XXXX at XXXX ext XXXX and paid off XXXX, XXXX XXXX, and XXXX. 

Amounts paid - XXXX {$120.00} XXXX XXXX - {$60.00} XXXX- {$39.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to rebuild my credit because i was one of the people affected by the XXXX  breach. i have had no trouble with XXXX  lately and XXXX. all my information is up to date but transunion refuses to cooperate with me, and most times i apply for any type of credit or loan transunion is who they look too. i know by law i am allowed my credit report from all three at least once a year. transunion will not let me change my address phone number or other personal information i have been living at my same addres for 9 years and they still have the previous as my living address ive written to them emailed them but each time they want me to pay to unlock my report and make changes i am XXXX and XXXX  and these are trying times for everyone. but when i cant get the credit deserved because of transunion they should be held accountable.
Product: Debt collection

I asked the company to stop calling because the debt was over 12 years old and had been written off and was not longer on my credit report. They continue to call me multiple times a day using different phone numbers that I keep blocking.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Student loan

I went to the school paid the fees as I was going to school I paid my last payment of {$96.00} at school which was to be the last one, after I finished internship they then told me that I owed {$1400.00} which was incorrect. They still have not found me a job position in the field but are expecting me to pay the loans back with my part-time job I had while I was working. The school has refused to contact me in regards to a job but will call me about making payments that I have already paid, I have shown proof and now they are still telling me I owe them the money. I would like my Money back and to stop all loans due to me not being able to work in the field because they will not help me look for work as I was told before I started school no one wants to hire a person without experience.
Product: Debt collection

Ive spoken with these credit card company directly several times.I ddi send letters, call them from my cell phone & Ive contact the store whom gives out the card, Ive sent them several emails through the credit card account.Ive personally had communication with the store regarding this. I was a Victim of Domestic Violence which turned into a Horrific Public Corruption Casewithin a Courtroom. I was threatened if I didn't back off in my case that these county govt Officials within the Courtroom would hurt me financially in anyway they could if I didn't back off. I've had my medical records tampered with & destroyed.Checking account tampered with, not receiving my mail, & social security number compromised.Ive been threaten & yelled at by the credit card representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( XXXX, XXXX and Equifax ) have not responded back to me about my investigation. I sent a letter stating XXXX XXXX XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.
Product: Checking or savings account

For the last two years navy federal has been inaccurately charging me over draft fees that are not accurate before my transactions even post Ive been paying {$20.00} a day for transactions that had a positive account balance before going into negative. This is illegal and a huge major unsolicited unsecured credit union management inaccurate over draft fees and taking money from me when shouldnt.
Product: Credit reporting or other personal consumer reports

My letters were not sent in error I am a consumer, and they are false and not 100 percent accurate accounts and information on my credit report, and this is also unauthorized use of my credit report a result pf identity theft and fraud.