23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been in repayment of my private student loan fine XX/XX/2006, during this time XXXX College, a college owned by XXXX colleges, never provided any assistance with promised job prospects. Since this time now I have lost all access to my transcripts, as well as that college being closed down due to misrepresentations about borrowers ' future job prospects. These have been confirmed in court and now the government has forgiven all federal loans. I am still in repayment for going to a school now that is closed, and my diploma is worthless. I have reached out to Navient about closed school discharges and they have told me they will do nothing to help me, and I am required to pay the remainder of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

In accordance with the Fair Credit Reporting Act, EVERYTHING must be 100 % accurate on my credit report. The information that is reporting is inaccurate from the open dates, last active date to last reported date. This is grounds for removal & these following companies have violated my rights : XXXX XXXXXXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX WI # XXXX XXXX BANK # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX # XXXX DEPT OF ED/XXXXXXXX XXXX XXXX DEPT OF ED/XXXX # XXXX XXXX XXXX # XXXX* US DEPT OF ED/XXXX # XXXX** US DEPT OF ED/XXXXXXXX XXXX XXXX 15 U.S.C. 1681 Section 602A : States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It states a Consumer Reporting Agency can not furnish an account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my initial dispute with Experian on XX/XX/2019 for several accounts. Upon completion of their investigation on XX/XX/2019, Experian claims that the furnisher verified the accounts. On XX/XX/2019 I requested method of verification to include a complete and detailed description of Experian 's investigation process ( see attached : XXXX ). I was met a refusal to reinvestigate ( see attached : Refusal to Reinvestigate ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I had a vehicle title loan in XXXX with PLS on XXXX XXXX in XXXX Wisconsin. The title loan was paid off and the title was handed to me in person. I then went to the XXXX and received a clear title with the paperwork PLS provided. 2 years later I received a threatening phone call from " XXXX XXXX XXXX, XXXX '' stating I owed on a installment loan which I never had, A PLS employee at the store where the a ledge loan was taken out told me the prior employees took out loans in other peoples names and keep the money. The store was closed since this happened and my credit has been destroyed. I have asked for copies of the paperwork and PLS refused. Today ( XXXX/XXXX/XXXX ) I spoke with XXXX at the corporate office ( XXXX ) XXXX, they do admit they had a problem and would look in to it for me. This is a XXXX, I myself am a XXXX in the XXXX. Please give me a hand clearing my name and credit, I should also be provide compensation for the financial damages to me. I look forward to working with you. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to follow up you about the 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. The items I'm questioning have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times regarding these accounts. I asked for a investigation on the accounts for them being misleading and inaccurate. They have failed to comply with FCRA regulations it has been more than 30 days these accounts need to be removed from my consumer report immediately. 

As the FCRA requires all information on a consumer report to be 100 % accurate are it must be deleted. All three credit reporting agencies must maintain the same information. So why are these inaccurate, misleading accounts reporting on my credit report. Who from TransUnion deemed them to be accurate and placed them on my report. An what representative did they speak with from the data furnisher to prove the accounts were 100 % accurate before they placed them on my consumer report. 

Please attach date, time, phone number and agent or representative in which TransUnion spoke to to verify these accounts as accurate before they reported them as so on my consumer file. 

Accounts in dispute. 

1. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Also under FDCPA 15 USC 1681i ( a ) ( 1.a ) All accounts that are disputed by a consumer must be immediately deleted from the consumer report until the investigation of said account is completed. 

As you can see in the attachments below XXXX have already removed these accounts. Therefore these accounts have to also be removed from TransUnion as the FCRA again requires all three reporting agencies to maintain the same information on a consumers credit report.
Product: Mortgage

I am going to state very clearly exactly what happened. I hired a realtor when I understood I would lose my home and equity in the foreclosure. My agent worked hard and we found a buyer. We called Quicken loans and got them on board with the sale of the home. They agreed to it and were kept apprised through addendum 's and other legal binding documents including the appraisal that was financed by my buyer that the sale was moving forward. The buyers lender wanted some small repairs done but agreed to the loan however needed an additional week as they were going to send the appraiser back out to make sure the repairs were done. I payed for the minor repairs myself out of pocket, living off small amounts of income through self employment and survivor benefits for myself and XXXX  small children. With my husband passing a year and a half ago had left us in financial straits. The escrow officer as the loan was already with the title company and transfer payoffs were going forward had called on my behalf as well as my agent calling and sending addendums on the XX/XX/XXXX to request/inform Quicken Loans Account Resolution Team that it would be one week before closing and signing. I was selling my home for above and beyond what I owed my lender and had another home ready to purchase with another party worked out using the monies left. My mortgage company QuickNLoans told the Escrow Officer that they had pulled my home from Auction that XX/XX/XXXX date. Fifteen minutes later it was Auctioned. I have spoken to Qucken Loans as has my agent to resolve the issue. In my state the trustee has ten days to reverse the sale. I am being left homeless and penny less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I applied for a student loan back in XX/XX/XXXX-XX/XX/XXXX, My payments were supposed to start in XX/XX/XXXX. I was young and unaware of the importance of credit letting my payments get behind, before getting my payments deferred in order to go back to school. I was under the impression that the deferment would last as long as I was in school but XXXX courses do not qualify. A few more payments were missed due to confusion. I have now made payment arrangements with the Loan company getting my payments on tracks, was wondering if there was anything else I can do in order to get my on time Payment cleaned up. Thank you for your time!
Product: Credit reporting or other personal consumer reports

I have to again report Transunion for doing fraudulent investigation on my credit report with XXXX XXXX XXXX. They keep saying its not a valid FTC report which it is. Now I am including again the VALID FTC REPORT and I am also including a POLICE REPORT WITH THE XXXX POLICE DEPARTMENT where the crime took place. Transunion must me held responsible for holding false investigations and keeping an illegal account on my profile. Both XXXX and XXXX have erased this illegal account from my profile Transunion is the only one giving me trouble for no reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Dear TransUnion, I am writing to formally dispute the inclusion of an account with XXXX XXXX XXXX on my credit report. This account is fraudulent, as it was opened without my knowledge or consent, and is the result of identity theft. I suspect this may also be connected to the XXXX data breach, which exposed my personal information to unauthorized parties. 
Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Supporting Documentation : To support my claim, I am providing the following : XXXX. A copy of my FTC Identity Theft Report, which details the fraudulent activity. 
XXXX. A copy of my government-issued ID and proof of address to verify my identity. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Additionally, credit reporting agencies are required to investigate disputes within 30 days and remove accounts that can not be verified as legitimate. 
The exposure of my personal information during the XXXX data breach further highlights the likelihood of identity theft in this case. I urge you to take this matter seriously and act promptly to remove the fraudulent account from my credit file. 
Requested Action : 1. Conduct a thorough investigation into this account. 
XXXX. Remove the XXXX XXXX XXXX account from my credit report. 
XXXX. Provide written confirmation of the results of your investigation. 
If you require additional information or documents, please contact me immediately at XXXX or XXXX. 
Thank you for your attention to this matter. I trust that you will handle this dispute in compliance with federal laws and your obligation to ensure accurate credit reporting. 
Sincerely, XXXX XXXX
Product: Debt collection

Getting calls about a debt that I settled and paid in XX/XX/2016, I do have the letter that debt was paid in full, told that to AFS and they keep on calling to collect on debt. I told them to send me letter to let me know who they are and when they purchased the debt, they refuse and want me to send them info about me and that I paid, when I told them I will not do such a thing they talk over me, threatening me with the law, than they hang up, this happened three times now and I told them everything has to be in writing, they totally disregard any of this and still keep on calling. I will not send them any info, because I dont know who they are and I still have not received any of paperwork that I asked for. I dont want to take a lawyer but I might not have a choice, so some help would be appreciated.
Product: Credit reporting or other personal consumer reports

I signed up to view my credit on XX/XX/year> because I was looking to refinance my home and I saw some a plethora of accounts on my credit that I didnt recognize. I immediately called my legal team and they advised me to file a FTC report and reach out to the Credit Bureau.
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 USC 1681. 

XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/XXXX Date assigned : XX/XX/XXXX Account status : Unpaid Amount : {$1700.00} Has violated my rights.

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: Mortgage

Sun Trust merged with BB & T to become Truist. XXXX was the 1st payment that was due using their new portal. I logged in on XX/XX/XXXX and made my payment however for some reason it didn't process. There was never any notification that it hadn't been processed until I logged on to their portal on XX/XX/XXXX and I noticed they were charging me a late fee. I explained what happened to their support person who said they understood and it would be waived and I paid both the XXXX and XXXX payments at that time. 

In XXXX I noticed that my Credit Score had been hit and when I logged on to their portal they still had a late fee. I called in again and was told that they could waive the late fee, which they did, and that I would need to submit a dispute to clear the hit to my credit, Which I did. 

A week and a half later I received a letter stating that my dispute was denied. I went to the browser history for my computer and can clearly show that I logged into their portal on XX/XX/XXXX. The only account I have with Truist is the Mortgage account and therefore making the payment is the only reason I had to log in that day. I took a screenshot of the browser history and submitted it to the 3 Credit Agencies with a Dispute. I just heard back from XXXX that Truist is refusing to reverse the report. I assume they will have the same response to the other 2 Credit Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

These dates are incorrect. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX stated they blocked and or removed the fraudulent accounts from my XXXX XXXX XXXX  Reports however they did not. There are several inquiries listed on my XXXX XXXX XXXX  Report. One of Which is from XXXX XXXX and shows that an account was opened on XX/XX/2017. I have not ever opened any accounts with XXXX XXXX at all. These accounts if they were attempted to be open or opened are fraudulent. I did not apply for any accounts or services from this bank. Additionally there is an account on there from XXXX XXXX which i did not apply for nor have i received anything from this bank and this account is Fraudulent as well. 

Additionally i have not attempted to open a bank account in almost 4 years. There are inquiries listed on my EWS report from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I did not authorize any of these inquiries i haven't attempted to open a bank account either i want all inquiries listed on my report blocked. I have reported this to XXXX Police Department. Additionally you have addresses on there that are fraudulent as well XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with one of Transunion 's representative and they would not help and take care of negative inquiries reporting to my credit report, that I had no knowledge of the list of inquires I requested to be deleted were : XXXX  XXXX  XXXX  - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX  -XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX
Product: Debt collection

On or about Transworld Systems and XXXX XXXX XXXX are collecting on the same debt that I do not owe and have requested information on several occasions. I have never been provided with supporting information for the debt.
Product: Credit card or prepaid card

I stayed at a hotel and the hotel placed a hold on my account for {$100.00} for incidentals. This was two weeks ago and the hold has not been removed eventhough the hotel released the funds 12 days ago. I called KeyBank and they informed me ( for the first time ever ) that holds from a hotel are held for 45 days, even after the merchant releases the hold. I can not understand how they are legally allowed to hold my money for 45 days when the merchant released the funds in 2 days, this seems completely ridiculous and frankly immoral and unethical and there can not be any valid reason for this, especially considering this is my unemployment benefits card and I am unemployed, I need this money right now I can not have them holding it for 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called trans union and ask about my hard inquiries and some of them where wrong and they would not remove them and was rude to me when I asked them to remove them then they wanted me to send out 6 different letters to them saying something about the creditors have to send them a letter when I should n't have to go through all this trouble to take something off my report that I did n't do and wait 2 months to get it done it 's total bs
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report. I would like you to remove every Charge-Off and Collections. This information is not accurate Experian Credit Bureau company keeps reporting the wrong information on my personal credit report I've request a thorough investigation into this matter and sent a written request by certified mail. They keep sending my request back with a few days. I recently obtained a copy of my credit report and noticed that it contains charge-off and collections entries that are inaccurate. I have been disputing these credit card and collection disputes for over ( 7 ) years. Im being harassed and threatened daily. Im unable to obtain a home mortgage and Ive been denied credit recently per my information has been sold to the Dark Web. My rights have been violated with false information Per the Laws of FCRB and the CFPB the following 15 US Code 1601, 15 US Code 1692 ( b ). 15 US Code 1692 ( g ), 15 US Code 1681 ( b ), 15 US Code 1666B. Im requesting validation of debts from each account.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts in question were found on my most recent credit report where i found them reporting incorrectly : XXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$3300.00} XXXX XXXXXXXX XXXX XXXXXXXX, MAXXXX By mail Only XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Date Opened XXXX  Balance {$650.00} XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BANK ) XXXX XXXX XXXX XXXX ( FINANCE ) XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have called the collection company and credit bureau for medical bill to be remove MCA MANAGEMENT COMPANY.. XXXX. XXXX. {$1700.00}. The medical bill law that came in affect XXXXXXXX  to remove medical bills from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been some information that has been reported on my file. I am a victim of Identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better a lifestyle for us. I am a XX/XX/XXXXof XX/XX/XXXX and I would like to provide a home for my family however, its been very hard because of the incorrect items on this report. I would sincerely appreciate, if the report could be corrected immediately, as it is a serious hinderance on many levels. I look forward to receiving assistance with this issue.