23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$16000.00} )XXXX XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$12000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have found there to be wrong information on my credit report. I disputed the collection and it was not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intersted in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with Equifax. this issue has been addressed multiple times. none of the information filed is following the credit laws in place. please review an remove all information submitted in the files asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a Deed in Lieu of foreclosure which was recorded XX/XX/2018. A deed in lieu should fall off credit reports after 4 years. We are almost 8 months past this date and some agencies, like Experian, are still showing the information and have also denied a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SD XXXX ; XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX AP XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I have credit XXXX account and found that JHPDE Finance 1, LLC, also with XXXX XXXX serviced by XXXX XXXX XXXX that it was reported on XX/XX/21 that there is a debt being collected. I have yet to know anything about this.
Product: Credit reporting or other personal consumer reports

Equifax alleges that an account with XXXX XXXX, and merchant bureau is " verified as accurate ''. I've never had any business dealings with these businesses a day in my life. Please fix my credit report asap.
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 XXXX, this is fraud never had a apartment in my name, remove this account immediately. this address XXXX XXXX  XXXX XXXX XXXX  CA, XXXX Does not belong to me I never live there at all!!!!! Please remove from my credit file immediately
Product: Credit reporting or other personal consumer reports

I do not know what these companies are. I did not authorize them to have my information. This is fraud. This is illegal.
Product: Credit card or prepaid card

I got an update saying my credit score went down by 72 points because i reached my limit on the card but i never did i still had available credits and upon looking through my transactions it seems like theres been a purchase made without me knowing
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a part of a consumer credit transaction. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Debt collection

I recieved a notice to collect a debt on behalf on XXXX XXXX from Convergent, I responed to the inquiry for validation of the debt, I recieved nothing and on XX/XX/2019 the said above company placed a collection on my credit report without validation debt or responding to me about said deby, I called to rectify problem but was met with no solution, this unlawful collection is no putting my job at risk and needs to be removed and deleted from all 3 credit bureaus.
Product: Debt collection

I am disputing a debt with Southwest Credit Systems and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that Southwest Credit Systems has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. 

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. 
I am filing this complaint to request assistance from the CFPB in ensuring that Southwest Credit Systems provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX Date : XXXX XXXX, 2016 Amount : {$480.00} This account was paid and needs to be completely removed off my credit files.
Product: Student loan

My student loans were transferred from  XXXX  to Fed  Loan Servicing  o n  XX/X/16      aft er I submitted my paperwork for PSLF. I was told the qualifying payments would be transferred but as of yet, only  13 p ayments are showing  up ( I have made a total of 34 q ualifying payme nts ).  I spoke with someone on      X/X/16  an  d they assured me that they submit a request for this to be looked into, but that it may take weeks.     I have also had issues with the handling of my Income Based Repayment paperwork. I know that the paperwork is correct, because this same paperwork was received and processed almost immediately by    XXXX   ( w ho still holds my loans not under the PSLF program ). I have submitted supporting documentation ( which is not required by  XXXX , only FedLoan ) a total of 3 times now. Once by mail and twice by uploading the supporting document s (  XXXX  ).  As of yet, this has not been fixed, and I have received letters telling me that I did not meet qualifications ( when I clearly do, as evidenced by my student loans serviced by  XXXX  ). I have documentation showing my multiple submissions of paperwork.     I also had an issue o n      X/X/16  wh ere my account was placed on Forbearance without me requesting for such action. When I contacted the company, I was told that this is standard action for all accounts that have documents processing. When my account is in forbearance, I am not able to make qualifying student loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection in the amount of {$540.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) I returned XXXX XXXXs equipment pursuant to the packing instructions provided by XXXX XXXX, and now they are alleging that I never returned their equipment and consequently I am being sent to collections. I never received credit for returning the equipment. I do not owe this debt. I returned the equipment as instructed, and it is not my fault that the equipment was misplaced at the warehouse/storage facility. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

My American Express full statement payment of XXXX was due on XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. Amex charged me an interest of XXXX for this XXXX day late payment, which is 14,132.5 % in yearly interest. When contacting Amex today, I was told that this is standard practice. 
I think that this practice is outrageous and should be terminated.
Product: Checking or savings account

I contacted Ally bank on XX/XX/year>, XX/XX/year>, XX/XX/year> to unlock my account and update my information ( my new phone number ) because I recently had my number changed and am unable to get into my account and they keep saying they cant get into my account and its something they cant help me with and someone will contact me within 1 to 2 business days and every time I never received the call, Im trying to get into my account and access my account and money and they have me locked out of my account and I am unable to get back into my account and they are not giving me a law or a reason they have locked me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

XXXX XXXX XXXX at XXXX - XXXX Services XXXX demanding payment through a debit card visa or mastercard only. When I attempted to give them my XXXX XXXX XXXX XXXX XXXX the refused to take it, and then only gave me XXXX hours to call back with a new card number in which to collect the debt. I attempted to send them a money order through the mail to pay the debt and they refused to accept this payment arrangement as well. XXXX then go belligerent with me if I did not call back in XXXX hours with the card information. She also has left me threatening messages of contacting my employer with a wage verification as well.
Product: Credit card

Was a customer of 10 years and apparently they tried to send me a letter about a policy change and they sent it to an out dated address. Today when I called about a new Best Buy ( Citigroup ) credit card for the account I am still making payments on. I am told that the account is closed. They never tried to call me and inquire about the mail be returned. Currently I have to go into a Best Buy location and make a payment because I can not pay online. They said I can apply for another credit card but they will be unable to merge the account so I am still unable to pay online on the old account. However I can pay the new account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested documents from CRA and debt collector for proof that the accounts being reported on my credit belong to me but all that is done is that in information is updated and there was not a reinvestigation done or account DELETED from my report XXXX : XXXX account # XXXX amount {$590.00} Date open XX/XX/XXXX they say they have the deed a defaulted mortgage but i have never purchase a house : XXXX XXXX Account # XXXX amount {$870.00} Date open XX/XX/XXXX XXXX : XXXX Account # XXXX Amount {$590.00} Date open XX/XX/XXXX XXXX XXXX  Account # XXXX Amount {$870.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2400.00} Equifax : XXXX Account # XXXX Amount {$2400.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made my mortgage payment ( I enclose a copy of the picture taken to the screen of the computer that shows the payment was made ). 
PennyMac did not accepted the payment and the money was not taken from the paying istitution. 
I called to investigate what was the problem. The lender told me that my bank had denied the payment, WRONG! ( I enclose copy of the bank statement that shows we had enogh funds ). 
I called my lender to request them to remove the report of delayed payment. They have not done it, and this is affecting my financial and personal matters.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX SXXXX ran credit for car loan.

Never returned call to give outcome of application.

Gathered my data and guaranteed a car loan.

Never done.

Hard Inquiry remain on credit report with XXXX. 

It is over two years old. 


Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Credit Acceptance Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Student loan

Once again, I am asking the SPECIFIC reasons for the denial instead of the vague response in the attached letter. I feel like my application was denied without thorough review. These loans from XXXX XXXX, which I have an approved federal borrowers defense application, are for a closed school that are decades old. I believe the real reason for the denial is so Navient can extort more funds from me with this high interest predatory loan. The Federal Holder Rule does apply to these fraudulent loans. The need to be canceled. Please provide SPECIFIC reasons for the denial, and I will go from there. If you are not able to give me the information I am requesting, please forward this to someone who can. I will await your response.
Product: Payday loan, title loan, or personal loan

I switched banks in XXXX. I updated the information as required. On XX/XX/XXXX I made XXXX payment with the new bank. However XXXX XXXXmoney key  decided to try and take money from my old account. Pls note that I did not have automatic payments set up I always made the payment myself they never automatically took it out and I have prof of this on my bank statement. I noticed it said that I didnt make the payment so I called and was told what happen and was told it was fixed. However it was not and they are reporting that I was late with XX/XX/XXXX and XX/XX/XXXX payment. My bank statements prove that I made a payment on XX/XX/XXXX and XX/XX/XXXX for XXXX payment. I have called at least six times I have been told they will get back to me but nothing. They refuse to fix their error even with the bank statements I sent showing I was never late in a payment.
Product: Mortgage

Instrument # XXXX Sold to XXXX XXXX XXXX see attached letter SunTrust Mortgage NOT the servicer, NOT the loan holder, NO NOTE. 
Loan # XXXX After the sale and transfer of the mortgage and Note XX/XX/2006. 
A Lien Release should have been filed by LAW, with the clerk of court 15 Years ago.
Product: Credit card

Purchased new flooring through Lumber Liquidators and was offered 0 % financing for XXXX years. Credit was extended through XXXX XXXX. When the initial payment plan was setup, it was structured to pay off the loan in the two years offered. Over time, the bank withdrew less and less money each month which ensured the balance would not be paid in time. Today ( XX/XX/year> ) I was charged for two years interest on the entire balance without advanced warning or notice in the amount of {$5200.00}. This was an intentional and deceptive tactic to ensure I would be forced to pay a large interest charge.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I called to pay off my account referenced above for {$860.00} so that I can received a XXXX-balance letter from Capital One. 
The representative at the Charged Off department instructed me to settled for {$700.00} and stated that I will be emailed a Paid-Full letter stating a XXXX balance. 
The letter received from Capital One did not state Settled in Full nor XXXX balance. Attached hereto are the letters stating unacceptability by XXXX and XXXX. 
My repeated calls and requests to Capital One to provide a letter stating a XXXX balance and Paid in Full have been ignored. Capital One unwillingness to change course of action is jeopardizing my ability to purchase a home. 
Capital One, XXXX and XXXX have violated Section 5 of the FTC ACT. As so stated, Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), prohibits unfair or deceptive acts or practices in or affecting commerce.

Misrepresentations or omission of material fact constitute deceptive acts or practices prohibited by Section 5 ( a ) of the FTC Act. 
I am requesting Capital One to immediately resolve this misguidance by sending requested letter that state SETTLE IN FULL with XXXX Balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
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. Accounts name : XXXX XXXX XXXX opened XXXX XX/XX/2016, Account name : XXXX XXXX XXXX  XXXX, Accounts name XXXX XXXX  XXXX XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Accounts name : XXXX XXXX, Account name : XXXX XXXX has violated my rights. 15 U.S.C 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 or other personal consumer reports

I have contested the inaccuracies in the following information with Equifax, XXXX and XXXX and unfortunatley, the issue remains unresolved to this day. 

Equifax 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
5. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting that I have a current child support order on me. Which I do not. The order is closed already and even though I am current on my payment and they even report that. They are still showing that I am over 90 days late also. How can I have been current for over 24 months straight but that are reporting the late payments from XX/XX/2018 and before. Yes I still have the balance but if they show me as current, why leave the old payment history just to destroy my credit score for no reason.
Product: Credit reporting or other personal consumer reports

Im not liable with this debt with transworld system inc. I do not have a contract with this collection agency transworld system inc. They did not provide me with the original contract as requested.

Correction to my credit report. I demand this company be removed from my credit report.

15 USC 1681 FRCA SECTION 605b