23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that my payment status with XXXX XXXX XXXX is 60 days due on from a past payment. Yet my payment history does not reflect any of this, it only shows one 30 day late payment, in XX/XX/2017, on only one credit bureau. I have not been late on this account, I called the XXXX XXXX in XX/XX/2017 to have remedy the payment from being late and was accommodated. I have been unsuccessful in reaching out to XXXX XXXX regarding this matter as this loan product was under a different name of Self Lender and has since been sold and rebranded. All communication efforts have been unsuccessful, even through validation and dispute processes with the three major credit bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Debt collection

I been receiving harassing and threatening telephone calls and XXXX threats from representatives from Rushmore Service Center in regards to XXXX XXXX account and debt of {$400.00}. I have never applied for or opened a credit card account with XXXX XXXX. The account is unauthorized and fraudulent. I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
Product: Credit reporting or other personal consumer reports

Account XXXX I paid off my car in XXXX. My loan is with XXXX XXXX XXXX  and I made my payment on the XXXX Website. XXXX sent me the title to the car. Weeks later they reversed the payoff. They have lied repeatedly as to why they reversed the payment. 
The account had sufficient funds. XXXX violated its own internal controls reversing the payments. They told me customers not allowed to pay off loans online then hung up on me. Tonight they told me its my fault because I paid from a new account. That is a lie. I have had multiple accounts with XXXX for years. Now they are reporting the payments late for a car I have paid. They want me to pay hundreds of dollars more to fix their mistake. I want XXXX to reapply my payment, refund these bogus fees and train their people and clean up my credit removing this late payment. 
Please investigate this. XXXX is doing this to other people. This is misreporting and violates internal controls
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am requesting an investigation into the following item ( s ) listed on my credit report : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account number : XXXX and XXXX XXXX Account Number : XXXX, I am requesting that Experian conduct a thorough investigation into these discrepancies and provide me with the results. According to the FCRA, you are required to investigate disputed items within 30 days of receiving a consumer dispute.Please provide me with information on the actions taken, including any corrections made to my credit report as a result of your investigation. Additionally, please send me a copy of my updated credit report once the investigation is complete.Thank you for your attention to this matter. I look forward to receiving a prompt response.
Product: Debt collection

A collection from the XXXX appeared on my credit report and without doing much research I paid the account on XX/XX/2024. 
When I ask the collection company XXXX Credit Collection Service XXXX Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX - XXXX XXXX to XXXX EST, Monday to Friday for a letter verifying that the account is paid in full an no longer in collection, they refuse to provide. They only send me a email notification. 
The problem is that the collection company continues to report me in my credit every month to the 3 credit bureaus as Paid under collection. When the account is already paid in full an is not longer in collection. 
This has brought negativity to my credit every month destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion on XX/XX/XXXX concerning late payments on all of my XXXX and XXXX XXXX XXXX student loan accounts. I included documentation from XXXX XXXX XXXX  showing all 8 of my students were never late and were covered under forbearance without a break in dates. Transunion removed all late payments on all 8 of my student loan accounts between XX/XX/XXXX and XX/XX/XXXX. I received a new credit report via mail to confirm this. Between XX/XX/XXXX-XX/XX/XXXX, Transunion inserted 1 late payment per student loan account back onto my credit report. On XX/XX/XXXX, I received a call from my mortgage lender who informed my that my loan process ca n't proceed to closing because my credit score had dropped XXXX points. On XX/XX/XXXX, I talked to a representative and informed her I am in the process of closing on a home and this information have halted my closing process. She told me that if I get another document from XXXX with a more current date to fax it and the payments would be removed. On XX/XX/XXXX, I called and talked to a different representative. She said they had not received my fax of the documents. I asked her once they receive these documents how long would it take to remove the late payments. She informed me due to the situation it would be immediately since there were notes already placed on my account stating what was needed. I called on XX/XX/XXXX and spoke to another representative. She told me they have received my documents but they could not remove the late payments. I never received written notification that these late payments were added back on my report, which in violation of Sec 611 of Fair Reporting Credit Act. The only way I knew that the late payments were added on my credit report is by the mortgage lender, who called to say that my loan process could not proceed until this is cleared up. I am currently in the process of closing on a home and these late payments have not only halted that process but has caused tremendous amount of stress.
Product: Debt collection

When I found out that this company put a lien on my home for no reason. we are refinancing our home, and this is the way we found out this lien was on my property. We have no idea who this company is. So then we started to receive these letters saying they are not trying to collect the debt but they had already put this lien on my property. they said they would remove the lien but I see the amount of  XXXX  in the refin amount and the letters this company sent us say the amount is  XXXX  but the real amount owed is  XXXX . Our next step is to start legal action.
Product: Mortgage

Our home loan was sold to a company called Seterus. It has been over XXXX months and I have not been allowed to speak to anyone about my loan and it has been nearly impossible to make a payment. We are in bankruptcy and they said they would need a letter from my attorney authorizing them to speak to me about my loan. That letter has been provided XXXX times to them. I then received a letter from my home insurance company ( XXXX ) stating that the insurance escrow had not been paid to them. I have spent countless hours trying to speak to Seterus and they continue to tell me that they can not speak to me. My home is on the verge of being uninsured and I am at wits end. In order to pay my house payment I finally had to go to the bank and get a pre-paid bank check to send to them. I am very frustrated and do n't know how to move forward with Seterus. Any help you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our XXXX credit account was closed without our knowledge. Upon checking why, the company said there was a discrepancy with our social security number on file. We checked it and there was no discrepancy. The company claimed to have sent a letter requesting information which we never received. We wrote the company requesting the source of their information showing a discrepancy and never received anything. We paid whatever we owed them and filed a dispute with XXXX  which was supposed to have cleared our account, but upon checking our credit report, it still shows that we have a balance owing to XXXX of {$55.00}. We need this cleared.
Product: Credit reporting or other personal consumer reports

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- 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* 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive, and your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, 00Your company reported that I owe a debt, but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive.

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave Your company any written consent to report anything on my consumer reports no consent is identity theft If the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above-mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 



XXXX XXXX XXXX
Product: Debt collection

the debt was with XXXX, they sold it to a company called XXXX, they also reported to my credit report- and I paid XXXX  - and they removed their derogatory mark but XXXX is still reporting as a closed charge off - i've asked them to remove it all together since ive already paid the debt and they don't
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX The following aliases are reporting incorrectly & need to be removed immediately : XXXX XXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Convergent Collections contacted me through mail, 18 months after supposed amount was due. The original company ( XXXX ) that the debt came from told me that i owed them nothing because i never used the service and i returned it before the date they set for me was up. Currently awaiting Convergent to investigate through XXXX  to see if i still owe them money, which they will probably say yes to. Total amount owed is {$82.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A citizens one account that I never opened or have access to appeared in my credit report for an amount owed of {$5800.00}. I've contacted the citizens one company and provided them with my social and they keep saying there isn't an account opened with that social, yet that account and amount appears in my credit report.
Product: Debt collection

In XX/XX/XXXX, I reported to XXXX XXXX that one accounts had been fraudulently opened in my name on XX/XX/XXXX. XXXX XXXX instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by XXXX XXXX that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from XXXX XXXX that I owe them. XXXXl XXXX is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

XXXX XXXX then sold my account to LNVN Funding. Now I am fighting with LVNV funding and their questionable business tactic. Next, LVNV subcontractors debt account to resurgent Capital services which is both owned by the same company Sherman financial group.

LVNV is violating FDCPA laws! Please investigate LVNV & their questionable business tactic.
Product: Credit reporting or other personal consumer reports

I can not contact Experian. Tried multiple times on XX/XX/year>. They only have an automated phone number. Never is a person available during typical day business hours. I can not access their website. Apparently, there is another person with my name that is using my personal information that is only identified through Experian and has a XXXX email account that they recognize but not mine. I was denied credit because of this but did not know of the situation. I should not have to pay a monthly fee to protect my credit. 
I am writing them a letter and you will be copied. This is poor customer service and no consumer protection when the real person is the victim. HELP! 
Can you require them to have a person available by phone or e-mail to resolve issues like the other two credit bureaus or get rid of them when they do not help.
Product: Checking or savings account

I bought something from XXXX  XXXX  return part of the money. XXXX told me to call my bank to release the money. I called my bank and they ( chase ) are saying the money never came out my account.
Product: Mortgage

Loan Assumption, which my sister XXXX XXXX , a DIRECT FAMILY MEMBER, what i understand Direct family member means a spouse, parent, child, grandchild, brother or sister of the tenant. Sample 1Sample 2Sample 3. Direct family member means children, parent, grandchildren, grandparent, caregiver or siblings of the Owner. 

And if they told us from the very beginning that sibling is not consider as direct family, they should told us. My sister and i are doing all the right thing legally. The house are under their name, she us our successor. Unable to continue paying the mortgage because we also have bills payable and we have apartment we paying too where near to my work. And since my sister and her family willing to continue paying the mortgage, we inquired this since loan assumption since XX/XX/XXXX. We, for sure follows whatever they needed as to submit, but only thru phone they always DENIED us, without i forming us even EMAIL or LETTER. 3X Denied, open 3X case and close the case without informing us what is the reason for DENIAL. They told to my sister, that deed should be done by transferring ownership which we did and granted and registered to their name - my sister. That mortgage company is not knowing what need to be done, lack of information, very inconsistent, no knowledge about our concern. They keep us waiting and hoping for nothing. We spent so much effort, time and dedication to make things things LEGALLY. If sibling us not consider as direct family member, they should tell us ahead of time. Its almost XXXX month. Nothing happens. 
The last person which my sister spoke from Mr Cooper, name is XXXX, yesterday XX/XX/XXXX around XXXX, he said theres no way to gave loan assumption be approved and ge said the only way to do it is to Refinance This company dont know what theyre doing, no update, poor customer service. 

STRESSFUL, DEPRECIATION and FRUSTRATION for wrong information to my sister XXXX XXXX
Product: Student loan

I was made aware that Navient reported all 16 accounts 90 days late in XX/XX/XXXX. Once I noticed the late reporting, I immediately contacted them. I never received a phone call or any statements in the mail. The representative placed me on a temporally forbearance until the income based plan was processed and approved. I contacted Navient CEO via email ( screenshot provided ) and asked for a " goodwill '' for the one late payment because 1. I wasn't properly notified 2. I was currently in school ( vocational rehabilitation ) through Veteran Affairs. The response was not what I was hoping for so I continued to do some research. That's when I independently learned that my current status as being enrolled in a Rehabilitation program ( within the time frame where Navient has me 90-days late ) I qualified for a in school deferment. In the response from a Navient representative ( attached ) I explained 3 times that I was in night classes and she never advocated for me and help link me to the right department to see if I qualified for any in school deferments. After submitting all of my proper documents proving that I was in school ( at the time of the negative reporting ) and still in school, ending XX/XX/XXXX Navient approved my deferment request, however, they are continuing to inaccurately report negative item on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 12 [ 30 Days Late and 2 [ 60 Days Late ] payments reported on my Credit Report, that I have disputed with all 3 Credit Bureaus, and have received no resolution to date. The issue with most of these late payments reported are that they were not paid 30 days after the due dates, which are the 25th of every month. For instance, XX/XX/XXXX shows 30 days late, but during the XXXX XXXX   XXXX gave a deferment and assured consumers that payments would not be reported late, but it was. Then XX/XX/XXXX, it shows 30 days late, but a payment in the amount of {$620.00} was made on XX/XX/XXXX Prior to the payment due dates there are 'LATE PAYMENT REMINDER '' emails generated with " PAST DUE AMOUNTS '', which are generated as early as 7 days in advance. The emails will show payments that differ from the " REGULAR PAYMENT AMOUNTS '. For Example, the Payment amount due will show {$610.00} and The Regular Payment Amount will show {$620.00}, and if Payment is made for {$620.00}, then there is a LATE PAYMENT NOTICE GENERATED, AND A 30 DAYS PAST DUE PLACED ON YOUR CREDIT REPORT FOR THE DIFFERENCE OF {$2.00}. 
This is highly unfair business practice, due to the fact that the Company generates the notices and even when you logon to the payment portal to make payments, it will show ONE AMOUNT BEING DUE AND A DIFFERENT AMOUNT AS REGULAR  PAYMENT. My issue is, how the payment can be considered late, if the amount paid is according to what is showing due, and moreover, the amount paid is OVER the amount showing due. 
Also, I was informed by a XXXX representative that there is a 15 day grace period after the loan payment due date, so again how are the payments considered 30 / 60 days past due. 
I am not sure if this Credit Union is an accredited business, but what I do know is their business practices are FAR OFF, and for that reason this Bank needs to be investigated. There are only a few representatives at XXXX ( XX/XX/XXXXbeing one of them ), who are willing to really help and assist the Loan Customers.