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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Against TransUnion for Violations of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally file a complaint against TransUnion for their failure to report accurate information on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related identity theft laws. 

TransUnion has neglected its responsibility to ensure the accuracy of the information it reports, as mandated by the FCRA ( 15 U.S.C. 1681 et seq. ). Specifically, Section 607 ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information. Despite providing verifiable evidence of inaccuracies, TransUnion has refused to correct these errors. 

Additionally, if TransUnion accessed my credit report without my permission and deleted a positive account, this action is a clear violation of the FCRA, as it involves unauthorized access to my personal financial data. Such actions not only harm my credit score but also infringe upon my rights as a consumer. 

The consequences of these violations are serious, and I have been adversely affected by the inaccuracies reported by TransUnion. I request the CFPB 's intervention to ensure that TransUnion is held accountable for its actions and that my credit report is corrected promptly. 

Identity theft is also a crime under other federal statutes, including : Identification fraud ( 18 U.S.C. 1028 ) Credit card fraud ( 18 U.S.C. 1029 ) Computer fraud ( 18 U.S.C. 1030 ) Mail fraud ( 18 U.S.C. 1341 ) Wire fraud ( 18 U.S.C. 1343 ) Financial institution fraud ( 18 U.S.C. 1344 I DIDN'T GIVE TRANSUNION WRITTEN CONSENT TO ACCESS MY CREDIT REPORT, WHEN THEY ACCESSED THEY DELETED POSITIVE ACCOUNTS FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB XXXXortal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

XXXX XXXX XXXX XXXX XXXXXXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$2500.00} collection account XXXX XXXX XXXX XX/XX/XXXX inquiry/Hard pull Credco XX/XX/XXXX Inquiry/ Hard pull XXXX  XXXX XX/XX/XXXX inquiry/Hard pull Child Support XX/XX/XXXX charge off
Product: Credit reporting or other personal consumer reports

I went to get a personal loan from XXXX XXXX for a used vehicle they have hit my credit multiple times and mutiple dates. Here are the ones that I did not do a inquiry on XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided proof that this company with the account number XXXX was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Equifax Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 

( XXXX XXXX : ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! 
Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on my credit file Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )
Product: Credit reporting or other personal consumer reports

This letter is regarding the difficulty and time spent submitting and contacting Experian regularly regarding access to the online portal and filing electronic disputes.

As a consumer, I do not feel I have been provided with the due process as outlined in the Fair Credit Reporting Act. According to FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Student loan

This story goes pretty far back so I am going to try to be brief about it. 
In XX/XX/XXXX I took out a student loan, it went into default in XX/XX/XXXX. I got out of default on a rehabilitation program but due to lack of income and stable work I could not make my payments so it went back into default and into collections. 
At this time the company XXXX XXXX told me on the phone that my tax returns were flagged to be garnished to pay off the debt. I agreed and continued to file yearly and for 5 years I did not receive a return. I thought the loan was being paid off, as naive as it may sound, i thought this was all true. 
5 years ago I started receiving my returns again and when I checked my credit score, low amd behold, my student loans read at {$0.00} balance and closed. I felt relief. 
XX/XX/XXXX of this year my employer brings me a wage garnishment letter [ attached ] and that I owe almost {$10000.00} on my student loan. When I called the company to ask what this was about, they informed me they bought my loan in XX/XX/XXXX and because I did not contact them, they have rights to garnsh my wages. I chose to dispute this as they gave me the option to. I even called IRS about all the returns I didnt receive. They said they were never told to garnish my returns and they have been sent to me every year. I couldnt believe it. 
The letter they sent back to my dispute [ also attached ] was plain ridiculous. They said it is the credit bureaus resposibilty to report there loans, not theres. This has not been reported to anyone and they claim I have to pay almost double my loan in penalties and oh yea, there commission of just under {$2000.00} [ in there letter ]. This can not be legal. All 3 credit bureuas told me that it is the loan holders responsibilty to report the collection account within 90 days, its been 4 years ....!!!!! Please help me resolve this, they refuse to budge on there standings and they are wrong on so many levels in this for letting a collection account gain interest and fines and penalties for 4 years and then try to take the last bit of my paycheck that puts food in my mouth. 

Company name is : National Recoveries , Inc . 
Department of education National payment center
Product: Credit reporting or other personal consumer reports

Complaint Against U.S. Department of Education for Violations of FCRA and FDCPA Issue Type : Credit reporting and debt collection violations Company Name : U.S. Department of Education Complaint Details : I am filing this complaint due to inaccurate credit reporting and unfair collection practices by the U.S. Department of Education regarding my federal student loans ( Account Numbers : XXXX and XXXX ). 

These loans are incorrectly reported as defaulted/charged-off, even though I am eligible for the Department of Educations XXXX XXXX XXXX XXXX which should restore my loans to good standing and remove negative reporting. Despite my eligibility and requests for correction, the Department of Education has failed to take appropriate action.

Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct inaccurate information after being notified of the dispute. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692e : Misrepresentation of my loan status and failure to inform me of my XXXX XXXX eligibility. 
15 U.S.C. 1692f : Unfair collection practicescontinuing to report my loan as defaulted despite my XXXX XXXX eligibility. 
How This Issue Has Affected Me : The inaccurate reporting has negatively impacted my credit score, making it difficult for me to secure financial opportunities. 
The misrepresentation of my loan status has caused me financial and emotional distress due to unfair collection practices. 
The Department of Education has failed to correct the issue despite my formal dispute. 
What I Want the Company to Do : Immediately remove all negative remarks related to this default from my credit report. 
Provide written confirmation that my loans are in good standing under the XXXX XXXX XXXX. 
Cease all collection activities related to this loan. 
Ensure compliance with the FCRA and FDCPA to prevent further harm to me and other borrowers. 
If this issue is not resolved promptly, I intend to escalate further, including seeking legal action for damages caused by the Department of Educations noncompliance. 

Supporting Documents : I have attached all relevant documentation, including correspondence with the Department of Education and proof of my XXXX XXXX eligibility. 

Desired Resolution : Correction of my credit reports, cessation of unfair collection practices, and confirmation of compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in XXXX and Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2017 Balance {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all XXXX bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX XXXX  was sold to XXXX XXXX. As of last week state farm forwards all call to XXXX XXXX, XXXX XXXX reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. and In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they have violated my rights this is the 3rd attempt not only was this collection removed multiples times it also has been re-added back after it has been removed .Now they have it being duplicated on my credit report I have the docs with proof showing this. 


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
Product: Credit reporting or other personal consumer reports

I started XXXX XXXXXXXX XXXX XXXX  I wrote the school a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The school has received a {$5000.00} XXXX XXXX XXXX XXXX in my name the loans totaling XXXX. The day XXXX XXXX XXXX  was XX/XX/XXXX. I dXXXX 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 I could not understand them. On XX/XX/XXXXXXXX  I called financial aid and they informed me that I had 120 days to XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. I spoke with XXXX XXXX, who told me they calculated my hours and took the loan. They took the loan and the XXXX which was too much to be taking for 3 months of being at the school. XXXX XXXX was supposed to send the loan back to financial aid XXXX XXXX XXXX XXXX  instead they kept the money leaving me with a XXXX. I am not responsible for the loan because I let the school knoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. The XXXX XXXX at that time was XXXX. The last email I received from the school was XXXX about financial aid. The XXXXl is trying to find away to keep the money which is fraud instead of sending it back
Product: Credit reporting or other personal consumer reports

I filled a dispute with TransUnion about the XXXX XXXX XXXX XXXX account reporting on my report. This account shouldn't be reporting on my credit report due to the fact that it is a civil judgment. As per the consumer law no civil judgment information should be reporting on any credit bureau. I have sent the court documentation from the case with XXXX XXXX XXXX and the account is still reporting on my report. I have spoke with supervisors requesting that this account be removed due to the fact that it should not be reporting, I was told that I had to go through the 30-day dispute process even though this should not be reporting at all. Transunion is violating the consumer law by keeping the XXXX XXXX account on my report after I have provided the necessary documents to have this removed.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer - XXXX XXXX XXXX  Employer XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter involving XXXX XXXX XXXX and XXXX XXXX XXXX. It has come to my attention that my personal information was unlawfully sold to XXXX XXXX XXXX by XXXX XXXX XXXX, a flagrant breach of consumer rights and privacy laws. 

Moreover, I have been subjected to harassment calls, which constitutes another violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am invoking my rights to demand an immediate cessation of all collection activities pertaining to the account associated with XXXX XXXX XXXX Account # XXXX. This encompasses any form of communication or reporting of this account to consumer reporting agencies. 

Furthermore, I wish to underscore that any attempt to involve attorneys in this matter would compound the violations of my rights under the FDCPA, as delineated in FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ]. It is imperative to recognize that false representation or implication of legal involvement is strictly prohibited under this provision. 

Additionally, I am cognizant of my entitlements under the FDCPA 813 [ 15 USC 1692k ], which stipulates damages of {$1000.00} per violation. Therefore, I demand the immediate deletion of the account linked to XXXX XXXX XXXX Account # XXXX, along with a complete cessation of all collection activities. I urge strict compliance with the FDCPA to avoid further legal ramifications. 

Please be informed that failure to comply with this demand within 30 calendar days will necessitate escalated legal action to safeguard my rights under the FDCPA.
Product: Debt collection

The full amount was taken from my deposit which is {$500.00} and is paid in full with all correspondence with the credit bureaus or CFPB. The information being reported is incorrect and the law protects me from this incorrect information being reported to my credit bureaus. My lawyer and I are closely monitoring all activity regarding the collection in my credit reports. I need this to be solved as soon as possible or else my lawyer and I will take action regarding this matter.