23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Are calling multiple times per day, as frequently as 5 times per day using a XXXX number and leaving NO message as directed This is disruptive to my work environment. Other creditors are leaving Voice messages and only calling 2x per day maximum and leaving Name, Company Name and number to be reached at. 

I believe Ace Cash Express is in violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 section 602 of the Fair Credit Reporting Act, Congress made it clear that it requires consumer reporting agencies to exercise their grave responsibilities and adopt reasonable procedures in which is fair and equitable to the consumer. Ive sent certified letters to Equifax ( tracking # XXXX ), XXXX ( tracking # XXXX ) and XXXX ( tracking # XXXX ) in which it was received on XX/XX/22 ( Equifax ), XX/XX/22 ( XXXX ) and XX/XX/22 ( XXXX ) requesting the method of verification used to determine that these accounts were verified. Pursuant to 15 USC 1681i ( a ) ( 7 ) section 611 of the Fair Credit Reporting Act, it has been WELL OVER 15 DAYS allow by federal law and I havent received their method of verification. It appears to be evident that these accounts were not investigated, therefore their method of verification cant be provided to me as requested!
Product: Mortgage

Our loan servicing was purchased by Ocwen XX/XX/XXXX. Shortly thereafter they started to impound our account for both taxes and insurance. Impounds have never been part of our loan agreement. When I called to question why they are charging impounds, no one could answer my question for the XXXX few months since my loan docs were n't uploaded to their system. So, they did n't have my loan docs, yet they were impounding my account. And of course, it cost me valuable time and many phone calls to finally have them read our loan docs and realize their error. 
Then, they did it again in XX/XX/XXXX by paying our property taxes and impounding our account. Again, without telling us and again not part of the loan docs. And again putting me through the hassle of getting this taken care of. They have been a disorganized mess from Day XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( i.e., an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( XXXX ) listed below. I demand that the following account ( XXXX ) be verified or removed immediately : 1 ) XXXX XXXX XXXX Account number - XXXX Date opened- XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account number - XXXX Date opened - XX/XX/XXXX I respectfully request to be provided with proof of this alleged item ( s ), specifically the contract, note or other instrument bearing my signature failing that, the item ( s ) must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within fifteen ( 15 ) days of the completion of your reinvestigation. 
Thank You
Product: Money transfer, virtual currency, or money service

Fraud calls and text that hacked and transfered {$13000.00} out of my citibank account
Product: Credit reporting, credit repair services, or other personal consumer reports

About the Equifax breach, I logged on to their website to start a Credit freeze and filled out the online information they wanted and received a message when I hit the submit button that my file could not be found! I believe they have deliberately made it impossible to file a credit freeze. How could my Credit report information not be there and available? I have tried for 3 years through Equifax to correct my report with no response or action from them of any kind. I have sent them the requested information through the mail three times attempting to get my report fixed and they never made any acknowledgement they received it and they never made the corrections even with the proof I included they asked for. All Credit Reports should forever be eliminated so this can never happen again and Equifax should be required to immediately initiate a credit freeze on all individuals whose information was leaked not only with their company but they should be forced to freeze all credit reports with all companies and pay for the freeze costs immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been an Authorized User on my XXXX XXXX XXXX  account for about 2 1/2 yrs. And The 3 credit Bureaus XXXX, XXXX and Experian aren't reporting the credit age on my credit account in my credit files. Only 2yrs. worth of Credit NOT XXXX XXXXXXXX length of history, which I should receive under the Fair Credit Act. Documents are attached showing it's not reported. My son 's payments for XXXX XXXX ( ALL ) payments are on time and never late.
Product: Debt collection

Bank of America gave me two credit cards one {$2500.00} one {$1000.00} on 2015 year I was paying payments on time until landlord raised my rent to {$950.00} per month previous I was paying {$550.00} at that time I was able to make payments.As for now I can not make payments.Im XXXXyears old I worked all my life I did not ask for this.My only income is {$1100.00} SSI I kept telling them my situation poor is not criminal it is just poor.Bank of America changing collectors all times some times I think they are hackers.im asking to end it either way many nights I can not sleep.I have some illness I can not pay my copay go to hospital .thank yoy
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXXXX/XX/year> ) ( Collection )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint. I checked my credit report and saw that an account from SYNCB/CARECREDIT was reporting inaccurately, so I sent a letter to the CRAs disputing the accuracy and completeness of this account onto my credit report. I received the results of the reinvestigation from the CRAs and I noticed that this company " verified '' that the account was reporting accurately. I used the XXXX XXXX XXXX to cross reference how this account should be reporting and they are in fact, still reporting inaccurate and incomplete information onto my credit report. I have been denied credit and loans due to them furnishing incorrect information. 

SYNCB/CARECREDIT has violated 15 USC 1681s-2b and could be held liable for actual damages under 15 USC 1681n for willful noncompliance. This company has violated the Fair Credit Reporting Act. I've searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause, so I have sent a letter to this company ( via certified mail ) to make them aware of my intention to file an FCRA claim in arbitration if we can not reach a solution. Settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees A copy of my driver 's license, social security card, and the correspondence that I mailed to the company is attached to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to a previous complaint ( XXXX submitted on XX/XX/2022 ) where I have disputed by providing you the actual credit report from XXXX and XXXX showing you a 3-column table of how XXXX XXXX XXXX  is reporting and furnishing inaccurate information to my credit report. Trans Union you violating my consumer rights under FCRA. The XXXX XXXXXXXX XXXX XXXX account, your company, Trans Union, is continuing to report this erroneous account with inaccurate information being furnished as of the amount of the alleged account, the status of the account to the payment status in dispute. XXXX has deleted this inaccurate account and you are continuing to report this information. I have attached a copy of the XXXX report. Your company 's reinvestigation procedures are not reliable, so I believe that if your company, Trans Union, can see how another reliable company should perform reasonable investigations. If you do not proceed with the results of DELETION of this inaccurate account, I will be forced to seek legal representation for monetary damages. 

I request that your company, Trans Union, email and mail me a copy of the results of the DELETION and mail me a copy of the updated credit report showing the deleted XXXX XXXX XXXX  XXXX account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my vehicle was in a collision and was totaled out. 

I filed a report to my auto insurance and XXXX XXXX  to pay out the remaining balance on the loan since the vehicle was declared to be totaled. 

The principle mount owed at that time was {$15000.00}. 

Total coverage our primary insurance check coveredwas {$13000.00} The XXXX XXXX  final payout was {$930.00}. 

Originally service contract refund which prorated to {$880.00} Due to negligence from the finance department where I purchased the vehicle their portion of the remaining balance was 90 days past due. 

Because of late fees their financial responsibility went from {$880.00} to {$1000.00} as of XX/XX/year>. 

Further proof that they were responsible for the late payment is shown on the check they sent out. The total they sent was for {$1000.00}. 
Again, had they paid on time the amount they would have had to pay was {$880.00} While I waited and battled with the finance department at XXXX XXXX I kept receiving phone calls from debt collectors that were sent from XXXX. 

Despite me providing evidence of the police report, the documents from both my auto insurance and the XXXX  explains the payouts and information of the wreck, and XXXX receiving checks from both Insurance companies they continued to ignore the fact that this was a total loss pay out on the loan. 

Because of this my credit score went from XXXX to XXXX. 

I need them to fix their error and expunge the negative reports that impacted my credit history.
Product: Credit reporting 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. 

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  and list of Inquiries 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, credit repair services, or other personal consumer reports

Trans Union states that their policy is to report Voluntarily dismissed bankruptcies, regardless of the chapter filed, for seven years from the date the bankruptcy was filed. 

I have repeatedly reported Trans Union for violating this policy and for not deleting a Voluntarily dismissed bankruptcy that was filed on/about XX/XX/XXXX. 

Trans Union claims they have verified the information in my filed but had they truly done so they would have seen a Motion to Voluntarily Dismiss the proceeding. The Chapter XXXX Bankruptcy was in fact DISMISSED and never adjudicated. 

The 7 year removal date lapsed on XX/XX/XXXX, but the filing remains on my report. This is in violation of Trans Unions alleged policy. Below is Trans Union 's response to my previoulsy filed complaint. 

" We have reviewed your complaint along with the information you provided regarding this issue. TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on your credit report as permitted by federal law. The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnions policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Therefore, as permitted under federal law, it will remain on your file until XX/XX/XXXX. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX  XXXX XXXX ET. Please visit http : //transunion.com/XXXX for frequently asked questions about your credit report. ''
Product: Credit reporting or other personal consumer reports

I checked my credit report and I found some fraudulent accounts that i need corrected they are as following on my Experian report I found XXXX XXXX XXXX, XXXX XXXX XXXX are not my name I want them deleted as well as a XXXX collection was fraudulent used in my name. I filed a report with the XXXXXXXX police office the number is case XXXX On my XXXX I found XXXX XXXX XXXX XXXX XXXX 's, XXXX XXXX XXXX XXXX XXXX Illinois XXXX, XXXX XXXX XXXX XXXX XXXX Illinois XXXX i want those deleted as they are incorrect please delete from my Experian account On my Experian account they have my address as XXXX XXXX XXXX XXXX XXXX Illinois XXXX also XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX have inquires i need deleted from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX please delete these are fraudulent thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Transunion Credit bureau has failed to respond about the removal of the erroneous information about My Inquiries. Sending them the last complaint dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my inquiries are continuously reported on my Credit Report. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned inquiries that are still reporting on my reports : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried numerous attempts to sign up for Equifax trustedid premier since my ssn was impacted by last year 's data breach. I received the link to complete enrollment but for the past week I get a " System Unavailable " error. I called the customer service number provided and the person over the phone asked questions to verify my id. I could not answer one of them ( " the month and year you requested your last credit report from Equifax? '' ) and was told that I would have to fax them documents to complete enrollment. I did not feel comfortable doing so especially since all of this is not required online. So I registered online again using a different browser and still got system unavailable. The end of XX/XX/XXXX is the last day to register and it 's if as though Equifax is making it as difficult as possible to sign up.
Product: Debt collection

I NOTICED IN MY CREDIT REPORT TWO ACCOUNTS THE I NOTICED WERE NOT CORRECT AND I TRIED TO REACH OUT TWO THE CREDIT BURUEAS IF THEY CAN INVISTIGATE AND RESPOND TO ME AND I GAVE THEM 30 DAYS. THEY HAVE NOT RESPIONDED TO ME. I SENT THEM ONE LAST LETTER XXXX CERTIFIED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2005 XXXX XXXX XXXX XXXX XXXX ARE THE RECEIPT SLIPS FROM THE MAIL
Product: Student loan

I graduated in XXXX ( need I say more? ) and have been working sporadically and for minimum wage until recently, so haven't been able to afford the almost $ 500 monthly student loan payment. 

I kept in contact with Nelnet, who recommended deferring. I trusted them ( they are the professionals, right? ) and have accordingly been deferring until XXXX. 

I recently reported a new job, higher income, but still concerned about the XXXX XXXX monthly payment I asked if it could be lowered. They suggested income based. 

I applied and was approved. But they still had me in deferment. I sent numerous emails, nothing. And I've been requesting written communications, as I like to keep records and my cell isn't reliable. They ignore most of the time. What happens when I add - if you don't contact me asap I'll file a complaint - guess how quickly they get back to me? The next day. 

I finally called as I was tired of being ignored and was told - oops, let me correct that. Seems like it was supposed to be in IBR, but was not. I told the rep multiple times ( and also in the past 6 months of communications! ) that I don't want any fees to impact my credit report. 

This is because they reported an increase in my loan amount a couple months prior, and my credit score dropped XXXX points! All my hard work trying to rebuild ... 

When the rep told me she would fix the problem, I asked her - " how do I know if you guys are going to report an increase again? '' She said " not to worry, that wouldn't happen, and that I was fine. '' Wow, so not true! 

My income based repayment now shows a zero payment until next year. So great, I figure I can make small payments until I make more money. Will finally get ahead a bit. I've now made $ 500+ payments to my 18? I think it is, accounts in the past 6 weeks or so. 

I just checked my credit report and an increase in the accounts was reported! I'm sooo upset. 

How do I know when Nelnet is going to report to the credit agencies? Why am I not given the chance to pay any increases vs. their reporting the increase? I've asked them these questions at least 4 times, and no answer. Seriously? 

This is the last email I sent them - " WHY AM I STILL BEING IGNORED? I GUESS I WILL LOOK INTO WHO TO COMPLAIN TO NOW. I'VE EMAILED YOU 4 TIMES IN THE PAST COUPLE OF WEEKS AND NO RESPONSE. I JUST LOOKED AT MY CREDIT REPORT AND IT WAS IMPACTED DUE TO AN INCREASE IN FEES. I'VE BEEN EMAILING YOU TIME AND TIME AGAIN TO PREVENT THIS FROM HAPPENING. I'M MAKING PAYMENTS TO AVOID FEES AND WAS STILL HIT. I GUESS I HAVE TO PAY THE FEES ON EVERY SINGLE ONE OF THE 17 OR 18 ACCOUNTS? DO THE FEES HIT EVERY MONTH? IS ANYONE GOING TO ANSWER MY QUESTIONS? IS IT BECAUSE I WANT A WRITTEN RESPONSE? '' Of course they called, and didn't leave a message. 

Hoping by my finally lodging formal complaints the madness will stop. After researching, looks like there are many other people in the same boat, being treated the same way. I will be filing a complaint with the XXXX, as well.