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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX TransUnion for Inaccurate Reporting Dear CFPB, I am writing to file a formal complaint against TransUnion regarding their handling of my credit report and the inaccurate information they have provided. My highest balance with the account in question was {$1900.00}, and despite being in good standing, TransUnion has reported false information regarding my rental agreement. 

On XX/XX/year>, I received a notification from TransUnion indicating that my disputed item had been deleted from my credit report. However, I never disputed the existence of my account ; I simply sought to have inaccurate negative information corrected. It is unreasonable for any consumer to have a positive payment history erased from their credit report based on a misunderstanding or mismanagement of their dispute. 

The specific details of my account are as follows : - Account Number : XXXX - Date of Deletion Notification : XX/XX/year> - Investigation Results : The disputed item ( XXXX ) was removed from your credit report. 

This situation is exacerbated by the contradictory statements I have received. For instance, I was informed that my account had been verified as accurate while simultaneously being told that this item has been deleted. Such conflicting information is not only confusing but also indicative of a failure to adequately investigate and address consumer disputes. 

This pattern mirrors the troubling practices of XXXX, which was recently sued for failing to conduct thorough investigations of consumer disputes. TransUnion appears to be employing similar tactics, ignoring relevant information and providing contradictory statements in their communication, causing undue harm to consumers like myself. 

I urge the CFPB to take immediate action against TransUnion for their continued failure to uphold accurate reporting standards and for not adequately addressing consumer disputes. This pattern of behavior must be stopped to protect consumers from damaging credit report inaccuracies that can significantly impact our financial well-being. 

Thank you for your attention to this matter. I look forward to your prompt response and the necessary action to hold TransUnion accountable. 

Sincerely,
Product: Checking or savings account

After opening a checking account online my son and husband needed an account to deposit unemployment benefits into until they could set up their own account. When their benefits were deposited into my account in XX/XX/2020 Suntrust closed my account without notice and will not release the funds. I have turned in documents that they requested but now those arent sufficient enough for them because they need them notarized. We are in desperate need of the {$1800.00} Suntrust has been holding since XX/XX/2020. Ive left numerous voicemails for XXXX XXXX with no call back.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  account number XXXX date opened XXXX XXXX / XXXX XXXX {$1100.00} account number XXXX had violated my rights 15 u.s.c 1681 section 1602A states I have the rights to privacy 15 u.s.c 1681 section 604 a section2 it also states a consumer reporting agency can not furnish account without my written instructions
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Bank account or service

I took a deposit to People 's Bank and deposited it.The following day when I sought a confirmation of the funds in the account it was not available. The next day as I followed up with inquiry to the tellers I was introduced to the manager that informed me that it was a counterfeit item ; thus reason for the results I recieved. When I asked for the number of the head of the fraud division I was threatened with removal by police force.
Product: Credit reporting or other personal consumer reports

This account has been paid in full since on or around XX/XX/2023. 
Attempts to resolve this have been unsuccessful and the account balance remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX L XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX  XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$750.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Original Creditor : 11 XXXX ) XXXX Balance Owed : {$3200.00} ; XXXX ( original creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXXXXXX XXXX Original Creditor : 01 XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX (  Original Creditor:08 XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX Balance Owed : {$160.00} ; XXXX XXXXXXXX ( Original Creditor : 06 XXXX ) XXXX Balance Owed : {$2100.00} ; XXXX Original Creditor : 11 XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original Creditor:09 XXXX XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and requested 5-TIMES that my address be corrected. It is still incorrect!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my brothers to pick up my mail and there were several different statements from banks of accounts that I supposedly had and credit cards that were sought out in my name. I did not open any of these accounts except us bank and I did not make 99 percent of these transactions. I opened this account to leave for saving money and for bill payment only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unrecognizable inquiries on all 3 of my Credit Beareau
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico 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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n 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 card or prepaid card

Repeated complaints in writing have only partially resolved the issue with the Capital One credit card company. Capital One has previously admitted in writing that it can not establish that the card holder authorized the contested transaction. Previous complaints contesting the fraudulent charge, fees, interest, and requesting the account be closed resulted in reversing the charge and interest and fees, but then new cards were issued without authorization or request of the card holder, and the fraudulent charge plus interest and fees carried forward in newly created accounts. After more complaints of this unfair business practice, the original charge was credited to the currently still-open account and some of the additional fees and interest based on that original fraudulent charge were reversed, but not all ; the account remains open with a balance consisting of fees and interest based on the fraudulent transaction. The card holder has repeatedly requested in writing that the balance be reduced to XXXX and instructed Capital One to close the account and not issue any more cards. But the card holder is continually harassed with monthly statements seeking payment of a balance which is illegal, because credit card companies may not seek collection of fees and interest on fraudulent transactions. The most recent statement dated XX/XX/2022 shows a balance of {$490.00} WHICH IS ENTIRELY FEES AND INTEREST accrued on the reversed fraudulent transaction, plus another interest charge on that balance of {$9.00}. Essentially, Capital One attempts to extract from the card holder fees and interest that are not owed, which by law can not be collected, and persists despite repeated protest and complaints. The author of the complaints and correspondence is an advocate, a licensed attorney, who has been assisting the card holder pro bono because the credit card company is outrageously attempting to take advantage of a hard working honest immigrant with this unscrupulous business practice.
Product: Credit reporting or other personal consumer reports

This account # XXXX was purchased by a Third Party Debt Collector ( XXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the Third Party Debt Collector ( XXXX XXXX XXXX ). How much did the collection company pay for this item? I don't know and my credit report does not reflect such amounts. This is a clear violation of the 15 USC 1681 ( a ) ( 1 ) : 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. 

After multiple attempts to settle these issues with XXXX XXXX XXXX they have ignored all requests to delete this inaccurate information. 

In addition to inaccurate information being reported, this report is a violation of my privacy per the Privacy Act of 1974 and 15 USC 6802 ( b ) ( 1 ) ( a - c ) : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 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 the consumer is given an explanation of how the consumer can exercise that nondisclosure option AND a violation of USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In this case my personal information was NOT RESPECTED and disclosed to third-party non-affiliates ( TRANSUNION, XXXX, XXXX ) without written or electronic notice of how to opt out of disclosure. 

THIS INFORMATION IS NOT ACCURATE NOR IS IT FAIR. AND A COMPLETE VIOLATION OF MY PRIVACY. Per 16CFR433.2 I have a right to uphold my rights as a consumer : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. 

Therefore this information must be DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported my credit card past due by 30 days and logged this for XX/XX/XXXX. I have an ACH automatically set up to leave an external account for payment. I've had this credit card since XXXX. Have never been 30 days late and arbitrarily my automatic payment did not go through for XX/XX/XXXX. I called the company to discuss and could not get traction for this oversight to be fixed. I filed a dispute and this still was not changed. It dropped my credit score significantly. I am looking for this oversight to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX. 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 an 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

sent police report still trans union not taking off cra not mine violation of my rights
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Equifax on XX/XX/year> asking them to investigate these accounts XXXX XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Credit card or prepaid card

Late last year ( XXXX ) I applied for an American Express Card. American Express denied my application ( Ref # XXXX ). The denial did not make sense to me because I had worked hard, over 10 years to fix my credit. 

In XXXX, I was forced to file for bankruptcy. Before filing I contacted American Express because I had 2 credit accounts with them and I wanted to keep them. I told them that due to my mortgage payment more than doubling and the economy crashing, it was the only way I knew ( at that time ) to save my house. American Express told me that if I filed for bankruptcy that they would close out my accounts. 

Fast forward 10 years later after struggling, paying more than most for credit, being denied by most, I managed my credit scores to " Good '' status. The bankruptcy came off my credit reports so I applied for An American Express card. The application was denied and they cited the previous accounts as the reason why. 

I wrote a letter disputing their decision, explaining that I though it was illegal to use accounts that were part of a U.S. Bankruptcy case. The letter was never replied to. When I called them to check the status, I was told that American Express keeps their own records and that they can use the information to approve or deny credit to anyone. 

So my dispute is more of a question along with ( what I believe to be ) a reasonable demand. The question is : Can they really deny me credit if I otherwise qualify? If they can, then at the very least, they should remove all the credit inquiries from the credit bureaus. Since their sole reason to deny me is based on internal records. They never needed pull my credit report. 

I am enclosing a copy of the letter I sent American Express. Please note that this copy has some grammatical revisions but otherwise the same. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX a representative from Discover Card responded to the CFPB Case # Case # XXXX, which he states that he refuses to remove the hard inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

My credit report shows hard inquiries I did not authorize. Requesting removal of all unauthorized entries.
Product: Debt collection

Kay Jewelers is reporting an installment account on my credit reports with XXXX, XXXX, and XXXX  that are erroneous. I have sent many dispute letters to Kay Jewelers as well as the credit bureaus but I have not received the validation necessary to report this account on my credit reports. 

KAY JEWELERS XXXX
Product: Debt collection

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Product: Debt or credit management

I contacted TransUnion and XXXX regarding paid for deletion items on my report and I provided them with the letters that were requested and the items are still on my report. The company has also informed them of these items that are paid and should be deleted.
Product: Vehicle loan or lease

The original lease was created in the State of Louisiana on XX/XX/XXXX. According to the Recovery Dept. with Toyota Financial the current amount owed is {$23000.00}. My original car note was {$480.00} per month but after taking a medical sabbaticle my wages changed and a decision to hire me again after ACT 715 was not reversed in XX/XX/XXXX. Therefore, future jobs consisted of day labor work beginning from XX/XX/XXXX to XX/XX/XXXX. I also am a caretaker for an immediate family member who is the spouse of a veteran. She is included as a co-borrorwer too. 

At the time the lease ended in XXXX I was making less money and working a day labor job with XXXX XXXX. XXXX insurance had terminated including all warranties in XX/XX/XXXX. I was not notified about this. I have tried to return the car without repairs and trade it in like is. I have not had luck with refinancing options either. The car is at a local mechanic shop waiting to be repaired. I had to cancel several Toyota Diagnostic Appointments due to cost to repair engine of {$3000.00} plus. 

The recovery department with Toyota Financial accepted small payments but the dealership would not trade the vehicle due to its condition. After taking it to a local Toyota Shop it was too expensive to repair. I then began to contact banks about a cure for refinancing and taking out small loan for repair. I have had no luck due to credit hx from disasters and low paying jobs. Still seeking a cure the refinancing options and because at the time the lease matured my income was too low.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank stopped sending mail without authorization. No bills have been sent to me. No option for paper bills are available according to the chase representative. In turn, a payment that did not go through was missed. Chase claims to have sent an email to email on file. However, it was not received. No call was made, no attempt to collect payment. Additionally online account has had significant changes and issues the previous months. 
In short, even though the payment was made, the late charges where reversed by chase and admitting that there was an issue from their part. The credit report still reflects negative. Account shows the reversed late fee 's.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law 15 U.S. Code 1681e ( b ) - Compliance procedures for maximum possible accuracy.