23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Trans Union, as of XXXX 2015 I have noticed lag time reporting credit information to credit file. As of today Wednesday XXXX XXXX 2015 I have formally called in a complaint to Trans Union XXXX XXXX in regards to credit file not being updated, XXXX accounts last updated XXXX/XXXX/2015 XXXX accounts reported XX/XX/XXXX-XX/XX/XXXX. As of XXXX XXXX 2015 no accounts have been updated to reflect current status of account status in over 30-60 days. Trans Union credit agency representative in USA called me a liar regarding accounts, in addition said No information has been received from any creditor for Trans Union to update my credit file. 
This obviously is incorrect information given to me. 
All creditors reports are automatically generated by each creditor when statements are generated, In regards to XXXX and XXXX all creditors are reporting accurately to credit file and current as of Wednesday XXXX XXXX, 2015, No lag time. 
I asked Trans Union Representative How/why the other national credit agencies are reporting but Trans Union is not.?. 
He said it is not Trans Union, it is all your creditors fault for not reporting any information to Trans Union. I find this hard to believe when everything is automated. 
Trans Union Representative said there is No department within Trans Union to file a complaint regarding updated credit information in ones credit file. 
Trans Union representative had also said he has only heard of this type situation 3 times before during his employment with Trans Union and was unfamiliar with their procedure to correct the problem, Trans Union representative had mentioned in those cases it was a computer glitch software anomaly. Trans Union representative told me he would need to transfer me to IT but that could n't and would n't happen as he is unable. 
Trans Union representative told me I need to file a dispute against ALL my creditors so they can manually send in accurate current credit report, that makes no since to me. My creditors have reported to all credit agencies regarding individual accounts, I have called each company to confirm, they all reported to Trans Union every month.. XXXX and XXXX all show accurate and current month credit information. 
My dispute is not with creditors but solely with Trans Union XXXX XXXX They are unfairly reporting credit information, selectively. 
When I have applied for a credit card an inquiry is automatically added, when a creditor reports Trans Union delays updating credit report, in my case 67 days for XXXX accounts, 31-41 days for XXXX accounts, and XXXX account has not yet generated a XX/XX/XXXX statement. 
I was told by Trans Union representative there is absolutely No agency I am able to file a Compliant/Dispute against Trans Union, I replied I am able to file a complaint with C.F.P.B. 
and so I 'm doing so.
Product: Debt collection

I received a demand letter from XXXX XXXX on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. 

It appears that XXXX XXXX and XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Regional Finance SC. I have not received any goods or services from XXXX XXXX, XXXX XXXX XXXX, nor Regional Finance SC and I do not know how XXXX XXXX, XXXX XXXX XXXX, or Regional Finance SC received my private information. XXXX XXXX and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am not a party to any agreements that XXXX XXXX and XXXX XXXX XXXX may or may not have with Regional Finance SC. I am not responsible for XXXX XXXX and XXXX XXXX XXXX purchase / transfer from Regional Finance SC. I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional Finance SC. 
Please be advised that XXXX XXXX, XXXX XXXX XXXX, and Regional Finance SC will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 

With proof attached; please be advised that neither : XXXX XXXX, XXXX XXXX XXXX or Regional Finance SC are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Product: Debt collection

On XX/XX/2023 a credit card company had filed a small claims suet against me. This debt is being payed through a legal action in Wisconsin called XXXX XXXX. I discovered the suet on XX/XX/2023 and I immediately had the XXXX XXXX trustee contact opposing counsel to stop these proceedings.
Product: Checking or savings account

Account opened at XXXX, and agreed on terms and interests, bank kept lowering interest without prior notice, when complained about losses they threatened to close the account. 

When making withdraws bank gave damaged bills and refused to exchange, gave hard time to give big denominations. 

Held direct deposit funds for a day or two without any explanation. 

Bank manager XXXX XXXX has retaliated when complained with her district manager XXXX XXXX, who claimed to be a director in the company, a unsigned letter was sent indicating they are closing the account. 

This is a result of my complaint against their employee XXXX XXXX. 

Upon looking a list of directors filed by XXXX XXXX  with the XXXX  and XXXX or XXXX, no director with such name in the company.
Product: Mortgage

I made a payment to principal of {$45000.00} which they received on XX/XX/XXXX but it was not credited to my account until XX/XX/XXXX. 

The following month they added and then subtracted this amount ( XXXX ) from my principal. They also credited my regular of {$1200.00} payment on XX/XX/XXXX as normal ( this payment was due the due date of XX/XX/XXXX. 

However they then proceeded to reverse and then reapply the payment of {$1200.00} twice and then charged me a late charge of {$60.00} when the payment wasn't due until XX/XX/XXXX!
Product: Vehicle loan or lease

On XXXX XX/XX/2021 I made the payment of a car which I have a lease with the Toyota financial entity for {$33000.00} but when checking the car credit it was with a settlement of {$25000.00} not including taxes until day XXXX XXXX I contacted toyota financial by phone and they told me that to buy the car I must send some documents with my signature and some information in a letter that they sent me by post to my surprise they sent me the letter with the wrong information three times. 
To receive each letter, he had to wait 24 to 48 hours, that is, it took about 12 to 15 business days waiting for the corrected letter. the corrected letter was never sent. I spoke with maybe XXXX people therefore I asked my bank for a refund of my full money. Toyota advisers tell me that it was best to send a certified check with the letters, finally, I sent the letters, some corrected and others not, together with the check for a total value of {$27000.00}, which was the total including taxes to make the total payment of the debt. 
The shipment was made at a certified USPS post office on XX/XX/2021 and was delivered on XX/XX/2021 now Toyota financial does not want to credit me the value of the settlement, according to what they received on XX/XX/2021 In addition, they are charging me a balance of around {$7900.00} It is important to clarify that I also spoke with an advisor who told me that I spoke with the supervisor who gave her the approval because I correctly carried out each of the steps but then the last advisor told me that he was not correct and continues to collect the balance I mentioned earlier. I can state that I am declaring under penalty of pejury of the laws of the United States that the following is true and I can send proof of each one of the things that I declare.
Product: Student loan

I am apart of the Sweet vs Cardona lawsuit. I am a full class member due to school misconduct. I have bad my loans discharged. PPSL - the lawyers that are helping the class action lawsuit has told customers whom have private student loans to contact your private student loan company for a form for discharge for school misconduct. I am currently using Wells Fargo for my private student loan company. I contacted them and they said that they would send me the form. After a few days of not getting the email, I called back and they told me there wasnt any form for that. 

XXXX, a student loan company that does both Federal and Private student loans had started reaching out to those students that were part of the Sweet vs Cardona lawsuit that were full class. Since then, that is when PPSL, the lawyers that are helping with the class action lawsuit told other borrowers from other private loan companies to contact their student loan provider.
Product: Credit reporting or other personal consumer reports

ATTN : CFPB RE : Inaccurate Reporting XXXX XXXX XXXXXX/XX/XXXX I XXXX XXXX am filing this complaint against XXXX XXXX for reporting information inaccurately on my credit report. 
According to15 U.S. Code 1681- Congressional findings and statement of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
According to 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

According to 15 U.S. Code 1692e - False or misleading representations, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
This is in reference to an account with XXXX XXXX  beginning with # XXXX. I have provided proof of the inaccuracy attached to this claim. I have contacted XXXX XXXX XXXX numerous times, and they refuse to remove this inaccurate account from my credit report. This also is a violation of my Privacy under the Privacy Act of 1974. XXXX, Transunion, and XXXX are non-affiliated which violates 15 U.S. Code 6802. XXXX XXXX hasn't furnished a copy of my wet signature giving them permission to share my information with any non-affiliates. XXXX XXXX also hasn't provided a contract between us. 
This debt is a certificate of indebtedness and has been discharged. Income isn't supposed to be listed on a credit report. XXXX XXXX filed a 1099 to discharge the debt and failed to send me my 1099B copy from the IRS. This is security fraud and I request compensation.
Product: Debt collection

Originally Debt from XXXX  XXXX and now with Genesis debt agency. 

The date of the debt is supposedly started in XX/XX/2022 debt was placed on XX/XX/2022 for unpaid Lease!! 

I have provided documentations stating this is false because the apartment Im leasing now is my very first lease and I pay on time. My lease date started here XXXX current. Also I stated I live all the way here in Arizona the debt looks like its in California. 

Please help! Im currently trying to move and this is not helping
Product: Credit reporting or other personal consumer reports

I am writing to formally contest an entry on my credit report, which I believe has arisen due to identity theft. After recently reviewing my credit report obtained from your bureau, I have identified inconsistencies pertaining to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I neither initiated nor authorized the opening of these accounts, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of these accounts. To support my dispute, I am furnishing the subsequent information. I kindly request that you embark upon a comprehensive investigation into this matter, expunge the fraudulent account from my credit report, and furnish me with a corrected credit report upon the conclusion of your investigation.
Product: Debt collection

My credit report is showing a collection debt for a medical bill, which was paid in XX/XX/XXXX : Company : Capital Accounts LLC XXXX XXXX XXXX XXXX, TN XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$240.00}
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my Transunion Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax took my information, mishandled it and then gave it away to malicious parties. Their website telling me to mark my own calendar is shameful. I did n't ask them to collect this, I did n't lose my information. They should be held fully accountable for everything, and THEY should be dealing with this. Not me. 

Shame on those sleazy executives for selling stock. What kind of disgusting corporate creed are we allowing to happen? Where is the justice and fairness for the average person?
Product: Checking or savings account

On XX/XX/year> i used the wellsfargo atm in XXXX utah to withdraw XXXX dollars from my checking account. I hit the option on the atm to dispense XXXX dollar i should have got XXXX XXXX dollar bills i received XXXX XXXX dollar bills me and my wife looked at each other and so I flashed the bills to the atm machine camera and pulled out of the atm drive thru called the bank to make the report explained my wife kid and I saw the machine short me. Went to a different atm to withdraw the XXXX it shorted me. Got the report back from the bank saying they are good on there end and that is all. I was not happy why would I report XXXX just to make a false claim. They should take the hit it's there equipment they are in charge they provide the service.
Product: Debt collection

A representative named XXXX from a company called XXXX XXXX out of a Texas called two family members of mine saying they needed to serve me with papers. 

My mother forwarded me the number they called from so I returned the call. Spoke with a woman named XXXX. She claimed I was not supposed to be given this number but said she would help anyway. She informed me I had an account with XXXX XXXX from XX/XX/XXXX that had gone into collections in XX/XX/XXXX. I've never received any mail, calls or emails regarding this. She informed me that if I paid {$760.00} by XXXX XXXX today ( XX/XX/XXXX ) I would be served with a summons. She claimed I could use anyone 's credit card so long as they signed the paperwork she would be emailing to me. I never received an email. 

I contacted XXXX/Wells Fargo. The collections department informed I was in good standing with them and that there was no record of my account or debt. Regardless of the amount of time that passed there should still be a profile for me and that there was none. They instructed me to not pay or provide information to XXXX XXXX  and had no record of ever using them for any purpose. They also informed me that they never threaten to sue customers over past debt and that they've had an influx in scam calls recently. 

When I called XXXX back I did not get an answer at first. No answering machine either. I called again and informed her of what the bank said. She immediately became unpleasant and offered to put a manager on the phone. After a brief hold XXXX picked up again and simply said that I would be receiving papers within a few days. I said I'd happily contact my lawyer and she hung up. I've already spoken with someone at the FTC who agreed it sounded like a scam as did the rep from XXXX. 

The number I called to reach XXXX XXXX is XXXX. I am happy to follow up with whomever necessary to make sure this is handled.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed this unauthorized, false, and potentially fraudulent reporting inquiry made by the following companies : Inquiry in Dispute : 1. XXXX XXXXXXXX Delete this Inquiry for fraudulent reporting because The Inquiry was reported on XX/XX/2022 and I was never notified. 

I did not authorize anyone employed by this company to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. 

I previously, requested proof of the validity of this inquiry but did not receive any information from you. 

Also, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately. 

The Inquiry was reported on XX/XX/2022
Product: Credit reporting or other personal consumer reports

Here are the FCRA violations observed in the newly uploaded Equifax credit report for XXXX XXXX XXXX : XXXX. Inaccurate Future Date Reported Issue : The Date Reported is listed as XX/XX/year>. Reporting a future date is inaccurate and misleading. 
FCRA Violation : 607 ( b ) Credit reporting agencies must maintain maximum possible accuracy in the information they report. 
Why It Matters : Future dates can not exist on a report, as they do not reflect real activity. This inaccuracy negatively impacts your credit standing. 

XXXX. Missing Date of Last Activity Issue : The Date of Last Activity is blank. This date is crucial for determining the XXXX reporting period for derogatory accounts. 
FCRA Violation : 605 ( a ) ( 4 ) Negative accounts like charge-offs can only remain on a credit report for 7 years from the date of first delinquency. 
Why It Matters : Without this date, it is impossible to determine if the account is being reported beyond the legal timeframe. 

XXXX. Charge-Off Status with Active Balance Issue : The account is marked as CHARGE-OFF, yet a balance of {$1300.00} is still being reported. 
Charge-offs indicate that the debt is no longer being actively collected by the original creditor. If the account has been sold or paid off, the balance must be updated. 
FCRA Violation : 623 ( a ) ( 2 ) Furnishers of credit information are required to update or correct inaccurate or incomplete data. 
Why It Matters : Reporting both a charge-off and an active balance is inaccurate and could mislead lenders. 

XXXX. Prolonged Reinvestigation in Progress Issue : The account states Reinvestigation in Progress without a clear resolution. If this dispute process has exceeded 30 days, it violates your FCRA rights. 
FCRA Violation : 611 ( a ) ( 1 ) Credit bureaus must complete disputes within XXXX days ( 45 days if new information is provided during the dispute ). 
Why It Matters : An unresolved dispute prevents you from obtaining an accurate and complete credit report. 

XXXX. Failure to Provide Complete Creditor Information Issue : The Original Creditor Name field is blank. This information is required for the consumer to validate the account. 
FCRA Violation : 609 ( a ) ( 1 ) Consumers have the right to know the source and original creditor details for all accounts reported. 
Why It Matters : Without knowing the original creditor, you can not validate the legitimacy of the debt. 

Summary of Violations XXXX. Future reporting date ( XX/XX/year> ) violates 607 ( b ). 
XXXX. Missing Date of Last Activity violates 605 ( a ) ( 4 ). 
XXXX. Reporting a charge-off with an active balance violates 623 ( a ) ( 2 ). 
XXXX. Unresolved reinvestigation beyond XXXX days violates 611 ( a ) ( XXXX ). 
XXXX. Missing creditor details violates 609 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 THESE ACCOUNTS ARE INCORRECT LISTED BELOW : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My son has a private student loan through XXXXXXXX XXXX Payments start in XXXX. The loan is serviced by AES XXXX American Education Services ). We moved from XXXX  to XXXX in XX/XX/XXXXXXXX XXXX and in XX/XX/XXXX changed our address via the post office mail forwarding systems and all online accounts to reflect this move with our new permanent address. In late XX/XX/XXXX, I was alerted by XXXX XXXX XXXX that my credit score had dropped from approximately 820 to 660. This was shocking to me as we have top tier credit, pay bills on time, and have low debt. The reason was that XXXXXXXX sent us an interest statement that got returned in error by the post office back to AES. Previously, we had been receiving mail from XXXXXXXX  to the IL address without issue. Rather than contact my son or myself ( his father, the co-signer ) to verify our address, they report this to XXXX in a monthly statement that we can not be located. AES does not reach out to our contact emails or contact phone numbers that they have on file to ask about this. Therefore, XXXX decided to drop my credit score by over 200 points which is absolutely unfair and egregious. I have disputed this with XXXX with no result. The responses I get from XXXX are that they have not received any updates from XXXX to make a correction, so it has not been changed or corrected or deleted from my credit report. XXXX does not say how they contact AES, whom they speak with, or how this is going to get fixed. AES updates their notes once at the end of each month. AES tells me that they have corrected our issue in the XX/XX/XXXX note to XXXX, but as of XXXX, nothing has changed and my credit score is now at XXXX which is putting a chilling effect on my finances and will cost me money if this is not resolved immediately. I dont know which company is more at fault for this : AES or XXXX. On one hand, AES should not have reported this to XXXX, all they needed to do was verify our address by contacting us via phone or email, which they did not do. On the other hand, it is absolutely insane that XXXX can just decide to drop a persons credit score by XXXX points because one piece of mail was returned to the loan servicer by mistake.