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

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TransUnion for their failure to investigate a late payment reported on my closed XXXX XXXX account. Despite multiple attempts to dispute this inaccurate information, TransUnion has not taken appropriate action to rectify the situation. I discovered a derogatory mark on my credit report indicating a late payment on my closed XXXX XXXX account. However, upon reviewing my records, I found no evidence of any late payments on this account. 

I promptly contacted TransUnion to dispute the inaccurate information and requested an investigation into the matter. However, despite providing all necessary documentation and following up multiple times, TransUnion has failed to investigate the discrepancy or provide me with updates on the status of the investigation. 

This erroneous reporting has significantly impacted my credit score and financial well-being, affecting my ability to access credit and obtain favorable terms on loans and other financial products. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold TransUnion accountable for their negligence in addressing consumer disputes. I request that TransUnion be required to conduct a thorough investigation into the late payment on my closed XXXX XXXX account and promptly update my credit report with accurate information. 



Thank you for your attention to this matter. I look forward to a prompt resolution and am available to provide any additional information if needed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

A few months ago Bank of America disabled my online banking. I called to ask why they answered it was necessary from time to time to verify accounts at the branch. I went and verified the accounts by my presence. A few days later I made a payment from my Bank of America checking the the payment was returned. I opened my online banking and saw that all my accounts including checking account were closed. I tried to read some forums to get to know what could be the reason and nothing applied to me. I then called Bank of America to find out the reason and was advised no reason was available over the phone, only to be sent by mail. I waited for a few weeks but never received anything. Tried to call Bank of America but still same response : would receive the letter in the mail. Still nothing up until this day. Went to one of the branches to find out why and was told that Bank of America was closing credit card and checking accounts for the customer having the XXXX, XXXX last name, which belongs to either mostly XXXX or XXXX. It is a sheer act of discrimination and bank of America can not continue doing business in this manner.
Product: Credit card

Chase charged me an interest fee on XXXX credit cards that were paid in full according to their own site instructions, their customer service supervisor basically told me to pay the charges as she is not able to do anything due to her system and hung up on me which is beyond disrespectful and aggravating. Chase has been sued multiple times for deceptive practices which they clearly continue to date.
Product: Checking or savings account

It happened on XX/XX/2024 with XXXXXXXX and XXXX for {$73.00} I show them proof they denied my dispute for no reason the bank name is Chime Financial , Inc. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX and TransUnion XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed - XXXX XXXX XXXX USA Inquiry XX/XX/2022XXXX XXXX XXXX XXXX : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed the completeness and accuracy with XXXX and Equifax and i received reinvestigation results from each of them and there were very noticeable inaccuracies. They verified these accounts as accurate when each of the companies documents are reporting very different things. 

For XXXX and Equifax the account XXXX XXXX acct # XXXX the account has multiple violations and inaccuracies. 

1. They failed to mark the account as disputed even though they said the account in dispute was verified as accurate. They Violated 15 usc 1681s-2 ( a ) ( 3 ). XXXX is knowingly reporting this account without being marked as disputed when they are not allowed to do so. 
2. The payment history from XX/XX/XXXX to XX/XX/XXXX they are reporting the account 120 days late consistently every month when Equifax is reporting the same account as 180 days late consistently in the same time period. 
3. The payment status is incorrect. XXXX is reporting the payment status on the reinvestigation results as 120 days late or past due while Equifax is reporting 180 days late or past due. 


For the other XXXX XXXX XXXX  Acct # XXXX the account was not marked as disputed from either one and is a violation of 15 usc 1681s-2 ( a ) ( 3 ). To take it a step further XXXX is reporting the last update as XX/XX/XXXX when the reinvestigation results were issued to me on XX/XX/XXXX. This shows negligence and willful non compliance. 

These obvious inaccuracies are hurting my ability to obtain credit and i demand they be removed immediately from XXXX and Equifax. 

I have Attached the Letters i sent out on XX/XX/XXXX and the reinvestigation results from each company I have also attached My identification
Product: Debt collection

To whom it may concern, The reason for this letter it to dispute an unauthorized collection on my credit report. On XX/XX/2021 I retrieved a copy of my credit report and discovered a collection account with Capital One Bank Credit card that I have no knowledge of. 

I have reached out to Capital one several times and have gotten no where. I advised them that this was not my debt and to removed this debt from my profile. 


Thanks in advance for your prompt attention to this matter.
Product: Debt collection

Received and XXXX alert that Consumer Adjustment CO has flagged my account as collections. I am not aware of this debt and did not receive any prior notification.
Product: Student loan

Submitted an XXXX application on XXXX XXXX, student aid sent application to EdFinancial. Called EdFinancial approx. 5 times between XXXX XXXX and XX/XX/XXXX on update, some reps saying no app on file, some saying its processing and need 32 days, another telling me it would be completed XXXX XXXX, it was not. Called again XXXX XXXX, told since the requested tax info from me, it pushed the date back lie, I provided my tax information unasked in hopes it would cut out time. Never received any correspondence from EdFinancial asking for anything, just provided it. But they were quick to switch my loan back into repayment when I asked but can not find my IDR app. Horrible systems, not handling repayment well at all, no communication to client, phone has XXXX minute wait-time, staff unknowledgeable.
Product: Mortgage

On XX/XX/XXXX, I went into a branch office to catch up on my mortgage payments for the end of the year. I am over XXXX and my benefits come at the end of the month. At the mortgage branch, the teller informed me that they have to convert mortgage payments into cash before submitting a mortgage payment.The attempted payment did not go through because the account reportedly had been moved to foreclosure status. Then the teller informed me that since the payment was not accepted, my money had to be refunded in cash. The amount was {$5000.00}. I asked to speak with a manager due to the large amount of cash and was told that the payment could not be returned to my debit card and the transaction could not be cancelled. It was XXXX XXXXXXXX XXXX  XXXX! I was told I had to now contact the mortgage department to get a reinstatment quote, which I did after depositing the refunded cash back into my account. The following week, I wired the reinstatement amount of {$6100.00} to the mortgage company from my bank on XX/XX/XXXX. 

My complaint is that the mortgage company reported the debit as a cash advance and there was no report for the cash refund to balance out what happened that day. Everyone I contacted kept telling me that if I got the money back in cash and there should be no problem. However, no one has acknowledged that the cash money was mine in the first place and the payment was never processed at the branch. The debited transaction for the cash advance was refunded to me in cash on the spot and I received two receipts. When the debit showed up on my statement for the month, my bank would not acknowledge outside receipts that they said they could not verify.They conducted their own investigation only to determine the debit amount was valid at the time and that I did give permission for my card to be used for the payment. The mortgage company has repeatedly denied that any error was made and they contend that their teller account at the branch balanced out. I could not get anyone at the mortgage company to consider that my debited account was refunded in cash due to a cancelled payment at the time and that the debit was still kept on my statment as money they " gave '' me. Since their policy is to do a cash advance for all mortage payments, they neglect to acknowledge that they still reported the payment to my bank and that my account was still charged {$5000.00} that was paid again in the wire transfer. The mortgage company denies that the tranaction was mishandled.
Product: Credit card or prepaid card

I did not request this XXXX card and immediately requested cancellation and account closure in XX/XX/XXXX ( see attached ). 

Nothing happened so I requested account closure again in XX/XX/XXXX ( see attached ). 

In XX/XX/XXXX I received another letter with the account still open and showing a {$0.00} amount owed.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX  XXXX  ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT ACCT XXXX XXXX XXXX ACCT XXXX XXXX  XXXX  XXXX  ACCT XXXX XXXX  ACCT XXXX XXXX  ACCT XXXX XXXX  ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

XXXX XXXX XXXX. 
YOU ARE REAGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY REAGE THS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PRVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMDETIALY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS NCO INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITING THE SAME VIOLATIONS AS XXXX, AND YOU ARE COUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELENQUENCY SHOULD BE SHOWN AS XX/XX/2018 WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUIOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCONT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE. 


XXXX XXXX XXXX XXXX, YOU HAVE REPEATEDLY SAID THAT THESE DEBTS ARE VALID, AND YOU SENT ME A VALIDATION PACKAGE, CONTAINING MY MEDICAL BILLS, INCLUDING MY TREATMENTS, WITHOUT MY HIPPA CONSENT FORM. YOU ALSO ARE REAGING THE DEBT IN VIOLATION OF THE FDCPA, AND FCRA. YOU HAVE DONE THIS ON ALL ACCOUNTS SHOWING ON MY CREDIT REPORT! YOU HAVE ALSO REAGED MY DEBTS BY UPDATING THE DOLA, IN  VIOLATION OF THE FCRA! 

XXXX XXXX THIS COMPANY HAS RE-AGED MY THIS COLLECTION BY CONTINUING TO UPDATED THE DATE OF LAST ACTIVITY, THERE IS NO ACTIVITY ON THIS ACCOUNT, AND THIS IS FALSE REPORTING. 

YOU HAVE FAILED TO CONDUCT A REASONABLE INVESTIGATION.
Product: Debt collection

I sent Amsher a dispute email and asked them to stop.calling they made several calls after and are in violation of the fdcpa. I do not owe XXXX any funds they agreed to waive my balance if I left the company.
Product: Credit reporting or other personal consumer reports

This account is reporting as an open account, however it is closed.
Product: Checking or savings account

Since XX/XX/XXXX I have tried to close checking, credit cards and line of credit accounts with US Bank. I have tried in branch, at drive up windows and their call center ( XXXX ). I sold my house in at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and stopped using the XXXX XXXX at a neighborhood XXXX  Store too as of XX/XX/XXXX. That address at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank continues to send confidential information to that XXXX XXXX that I have not used since XX/XX/XXXX. I moved permanently to Florida on XX/XX/XXXX. On Friday XX/XX/XXXX I received a collections letter from XXXX XXXX trying to collect money from me concerning bills I never received from US Bank for fees on accounts I thought I had finally, successfully closed once again on XX/XX/XXXX via multiple calls into their call centers. That did not happen. Instead without my knowledge or authorization US Bank moved funds from a line of credit every month into the checking account I thought I closed and then added additional fees to my accounts and never send me a paper bill. On XX/XX/XXXX I wrote a written response to the collection agency with documentation showing they were attempting to collect monies not due. Next, I called into US Banks call center and opened a new request to close all accounts that request is filed under their system as XXXX. But was told I needed to call their credit card department at XXXX on that request # XXXX I may be canceled one of many credit cards I need closed but are still billing service fees on other US Bank products I thought I had closed, most recently in XX/XX/XXXX. The agent told me one of them she was unable to close. That another dept. @ XXXX handled those accounts but I would need to verify an account number that ends in XXXX of which I have no record of. Now I am concerned there are fraudulent accounts tied to my social security number and what US Bank calls my Total Business Account which seems to me some master file that I can not access all of via their web tools or with their call center agents. I am a XXXX widow living in Florida and there are no US Bank branches in Florida XXXX I need 1 person, who will be held accountable to research all their data bases and clean up my records and close the accounts I have asked them to with a XXXX balance as I have not used any of them sometimes in 5 years and others since XXXX of XXXX the last time, I thought I had closed all the accounts I needed to close.
Product: Credit reporting or other personal consumer reports

I have identified inquiries on my report that have been furnished without my consent, written instructions, or permissible purpose which is considered identity theft. Please see attachment for ID Theft report and copy of driver license and utility bill for proof of identity.
Product: Mortgage

I have a first mortgage with Chase, on a home in VA I bought XX/XX/XXXX. Thepurchase price of the home was {$490000.00}, I moved from VA XX/XX/XXXX dueto a job change. At the time, the value of my VA home had droppedbelow {$400000.00}, and I had a first mortgage with Chase and a 2ndmortgage XXXX. As a result, I was in a negative equity situation. 
I have NEVER wanted to walkaway from the home or myobligation. All I have EVER asked Chase to do was refinance mymortgage to a lower interest rate XXXX currently at 5.75 % XXXX to lower mypayments to enable me to better manage. Instead, Chase will donothing. I could 've walked away from the debt and forced Chaseto foreclose, but instead am doing my best to continue to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a duplicate account for XXXX XXXX XXXX. I disputed in XX/XX/XXXX that a payment that XXXX XXXX is reporting I missed in XX/XX/2015 so the balance is inaccurate. Sent in copies of my bank statements showing proof. My dispute was ignored as payments were reporting correctly. How can a account report correctly if I have proof of the payment. Then in XX/XX/XXXX I received noticed that XXXX XXXX   was reporting a new account and credit score dropped 45 points. After review of the account I found it has the same account number, same balance, but the open date is the only thing different. So, I disputed again and I was ignored. Now a remark was added to the account has caused another 35 point drop as of today. I have been denied during this time. I need to be heard this is hurting my credit. 1. They never verified the missed payments as I sent in proof. 2. They are reporting duplicate account.
Product: Mortgage

HERE IS EMAIL SENT TO SETERUS CEO XXXX ; XXXX XXXX -I have tried for the last six weeks to pay off my mortgage but keep having checks sent back to me and wrong amounts and a XXXX XXXX XXXX telling me to call whomever y=the XXXX I want to call? 

I have had a Equity Accelerator program and did not know that the last payment had to be made in certified funds as I am not XXXX and would appreciate a courtesy call before I take legal action and write about this in over twenty publications across the country? 

Your company has returned two checks from XXXX XXXX and have messed up my credit and charged late fees which I believe should not be charged as I have tried to resolve this for the past six weeks??? 

My cell is XXXX and would appreciate a courtesy call? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items do not belong to me. My Identity was stolen.