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

I am filing again a complaint against TransUnion for failing to investigate and address a dispute I submitted regarding an inaccurate account on my credit report. My initial complaint was submitted on XX/XX/year> with reference number XXXX, but it has been closed without a proper resolution. 
The disputed account is XXXX XXXX, this account is inaccurate because it is paid off and closed, I provided proof of this inaccuracy on my previous complaint ( see enclosed ) TransUnion closed my complaint claiming they investigated the validity of the account with the furnisher and that they noted my dispute on the report. However, this is inaccurate! My credit report still reflects no remarks regarding the dispute I filed. There is no explanation provided about the alleged investigation into the account 's validity. 
While they state there is " no negative reporting, '' this does not address the core issue of the account 's legitimacy. 
These actions by TransUnion continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 1 ) : TransUnion failed to conduct a reasonable investigation into the disputed information after I submitted a complete dispute with supporting documentation. 
Section 611 ( d ) ( 2 ) : TransUnion did not provide me with a clear and concise explanation of their investigation results. 
I request that CFPB have TransUnion take the following actions to resolve this very frustrating and costly issue : Conduct a REAL thorough investigation into the disputed account 's validity, considering the proof I provided. Update my credit report to accurately reflect the disputed account 's status and remove it as it is CLOSED PAID OFF! Including a clear notation of the dispute. Provide me with a written explanation of the investigation results and the basis for any decision regarding the disputed account. 
View Attached Documents : Proof of My Latest Credit Report ( showing the disputed account ) Copy of My Initial Complaint to TransUnion ( with reference number ) Proof of Dispute ( copies of documents you submitted with the initial complaint ) Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution.
Product: Credit card or prepaid card

I reported on the telephone that I was a victim of a scam and that my card has been used without my permission. I explained that my credit limit was at XXXX and it was raised to XXXX without me knowing. The address email and telephone numbers had been changed. The initial lady was understanding she said this is fraud, she closed the account and issued a new account and set up a fraud complaint. 

On XX/XX/2019 got a letter confirming that a fraud case was opened and they were working on it. 

On XX/XX/2019 got a letter saying that they determined that I am responsible for charges because I did not identify specifically the disputed transactions. 


On XX/XX/XXXX I sent a detailed account and spreadsheet of what happened and what was being disputed. I sent this registered and it was signed for by a Best Buy representative on XX/XX/XXXX the day of delivery. Looks like the name is XXXX. XXXX I will attached a copy of the packet I sent in next section. 

I have received nothing from Best Buy and my attempts to get information by phone have failed. 

Since my letter in XXXX I have continued to make the minimum payment because I know that I am responsible for SOME of the balance. Best Buy continues to add interest on items that are disputed. Since XXXX they have added XXXX in interest charges and doubled my minimum payment to XXXX from XXXX. 

I had a account with a XXXX credit limit and now have an account with a XXXX credit limit and a balance of XXXX. 

How could Best Buy let this happen? At the most I might have a balance of XXXX my original credit limit. I never asked for an increase or charged this much. 

I need help with resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The right to contest my credit report is something that every American has ( In accordance with the FCRA Section 611 ( 15 U.S.C.

1681 ( l ) and in accordance to the accepted standard of metro 2 data field reporting ), and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support itYou must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to you with imminent concern and severe consternation on the gross complacency exhibited by the organization you represent, in dealing with grievous and damaging errors on my credit report. This is a grim matter that demands your immediate attention and warrants severe action. The negligence showcased by a reputed credit bureau such as yours is nothing short of disastrous, and the time has come to rectify your wrongs. 

It has come to my attention that erroneous information has been - and is still being - reported on my credit, pertaining to an XXXX account opened illicitly under my name. It is deeply disconcerting and downright pathetic that your organization inexplicably failed to catch this grievous error during its early stages. I strongly suspect that both your actions and lack thereof have directly and indirectly contributed to this all-encompassing financial fiasco. 

XXXX committed a serious security breach by allowing for two separate accounts to be opened under my name using my stolen phone. Moreover, the company also displayed a dire disregard for the fundamental cornerstone of any financial entity - safety protocols. They conveniently ignored the procedure of uploading identification documents for verification, casting a mammoth shadow on their credibility and operations. Consequently, as of today, I stand as the victim of circumstances fashioned by your incompetence and XXXX 's negligence. 

The audacity of the situation at hand is undeniable, and so is my absolute demand. Either eliminate this falsely reported account attached to my name and pure reputation immediately, or XXXX is obligated to provide sound, irrefutable evidence that I am personally responsible for these two fraudulent accounts.

Inaction is an unacceptable response. If this abhorrent situation is not rectified by [ XX/XX/year> ], I am prepared to escort this matter into a XXXX XXXX, and I assure you, the legal and financial repercussions of reporting false information about a consumers credit profile could be severe. 

Consider this letter a mandate for transparency and truthfulness. Ignoring a fraud alert on my credit should not be taken lightly, nor should the consequences be underestimated. Clean up this mess that has been created by your organizations laxity and XXXX XXXX complacency or brace yourself for a robust leg pursuit. 

Choose XXXX, for your next action determines the course of my equally decisive reaction. 

I await an expedited, prudent, and complete resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid off said debt but my credit report still indicates that I currently still have a high balance due ; hence, it is affecting my credit debt percentage. The balance owed is inaccurate.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Debt collection

account open on XX/XX/2023 balance XXXX Transworld systems company trying to collect from me but this not my account.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX  XXXX Balance : {$0.00} & XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I XXXX XXXX, have tried to settle my debt by explaining my XXXX XXXX  and serious health challenges, I am extremely frustrated as a consumer, where I can't seem to find a solution to this adverse debt.I have had a XXXX, which now has me on a XXXX XXXX. I want to comply with a solution to this matter, but financially I am strapped, keep in mind I am already at a very old age, where health improvements based on my Doctors diagnose are extremely low, slim to none.My XXXX was back this past XX/XX/2018 do to a XXXX, and I am going back for a second XXXX really soon.I am now on XXXX XXXX so my only option if you cant help me is a bankruptcy chapter XXXX
Product: Debt collection

I had a Kohls charge card that was paid in full in 2019. My bank pulled a credit report and they are not showing it as being paid. It is showing up as a " profit & loss '' which is not correct. The Kohls card was through Capitol One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX XXXX XXXX  and they are using XXXX  and TRANSUNION. There is also a unknown fraudalent hard inquiry on my XXXX report, please remove this XXXX  This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my XXXX and my Transunion credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fruad alerts from my credit files. 

PLEASE REMOVE FRAUD ALERTS IMMEDIATELY!!
Product: Payday loan, title loan, or personal loan

MY COMPLAINT IS WITH GREENSKY ONLY, PLEASE DO NOT CONTACT THE OTHER ENTITIES I opened an account with Greensky to finance a new roof on the house through XXXX XXXX XXXX  XXXX. The roof they did was not done properly and i put a freeze to prevent the merchant of putting a the final payment charge on my account, however what i didn't know was the charge already happened and had not posted yet. The charge went through and i was livid. The contractor did not finish the job properly. The contractor eventually refunded the final payment in the amount of {$3600.00}, and that charge is going to wind up in court. The initial payment was the down payment for the job was charged to me at {$1800.00}. 

However that charge of {$3600.00} was fraudulently charged. The fact that it was refunded, does not make it right and I want documentation on what happened. 

Greensky requires the contractor to get authorization from the borrower before any charge is processed. I never gave my authorization to the contractor. There was no communication that authorized the final payment, because at that time, I made it clear that elements in the home improvement contract was not complete. Additionally the building inspector has furnished a letter stating the roof is not built to code. 

Per Greensky, an electronic signature was put in under my name authorizing the final payment/transaction. I have demanded whatever documentation they have on that transaction, and they have refused. I want whatever documentation there is in relation to the charge itself. I want to data entered into the terminal, app, or system, a copy of my signature, or whatever box was checked showing my agreement to that charge. 

Greensky openly acknowledges that it is a technology company and not a financial instituion. My loan is through XXXX XXXX, XXXX XXXX refuses to talk to me because I do not have the bank account information due to a Greensky " error ''. Greensky refuses to give me my bank info so I can complain to the bank itself and not Greensky who is not bound by consumer protection laws in regards to finance. I demand my bank account so when I say the word " Fraud '', it is to a bank and not a technology company, and that action will be taken.
Product: Credit reporting or other personal consumer reports

I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I resolved my account directly with XXXX. this company continues to report I have debt with them. I had them removed but they just added it back on my credit report.
Product: Credit card or prepaid card

received a letter that said welcome to XXXX financing - only problem... i did not open this account - someone else did under my social security number. received the letter today- monday, XX/XX/XXXX and no credit card was issued, only received a letter
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX # XXXX, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,,, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

I transferred XXXX to my cash app card to use at a later date.I chose to connect my personal checking account to pay my friends and family but cash app tells me through a default they can choose to ignore my request that my friends and family be paid from my checking account and make a payment if they choose from my cash app card that only have funds when I load money on it. But I thought that I chose how the money I load on it is spent! But they spent XXXX of the XXXX I wanted to use for something else and paid my friend with it, when in the past a payment was always withdrawn from my checking! How can I get them to honor my wishes and mind their business and not use a DEFAULT to do what I don't want
Product: Checking or savings account

My tax refunds were deposited into another bank account at my current bank Wells Fargo. This happened on between XXXX XXXX through XXXX XXXX of XXXX. Both returns are close to XXXX. 
I have contacted Wells Fargo several times as my taxes refunds were never deposited into my bank account. As per Wells Fargo, there is nothing that they can do. Wells Fargo refuses to take responsibility for clearing a XXXX and XXXX check that was deposited into someone 's else accounts when the checks names did not match the name of the person in which my tax refunds were deposited. 
As of XXXX/XXXX/XXXX, I have not received my tax refunds because the person took the money out of their account and Wells Fargo refuses to help me with this matter.
Product: Debt collection

This is a debt from 5 years ago it was voluntary given back to them saying still owe debt but he is not telling me exactly how much I owe told me had to make a payment before telling me how much I I owe and told me had to give him a routing and account number which I do n't agree with said would n't take credit card not giving my personal bank account information
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

This is my fourth formal request for the immediate removal of an inaccurate account listed on my credit report. Your failure to address this blatant error despite multiple notices is completely unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

THE ACCOUNT IN QUESTION IS : XXXX XXXX XXXX XXXX ACCOUNT : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Product: Credit reporting or other personal consumer reports

American Express was a creditor in my XXXX  XXXX Bankruptcy case. The case was dismissed XX/XX/year>. After the dismissal, American Express reportedly account as a late payment of 180 days. American Express last payment from the Trustee was XX/XX/year> ( {$93.00} and {$20.00} ). I have paid the accounts off and have documentation to that effect. 

I have called over ten times. A investigation was initiated. The company found I was in bankruptcy but never corrected the erroneous late payment reported ( 180 days late ). 

I have written a letter to the company and provided documentation of the XXXX  XXXX and payments made with no change in my credit report.