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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Accounts Reporting Dear TransUnion, I am writing to formally dispute several accounts currently appearing on my credit report, as they contain inaccuracies and unauthorized information that violate the Fair Credit Reporting Act ( FCRA ). Below are the accounts in question : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The information reported for these accounts is inaccurate, unauthorized, and does not comply with the FCRAs provisions requiring data furnishers to report only accurate and verifiable information. This is a direct violation of 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the accuracy of the information they report.

TransUnion has previously been sued for similar violations, such as in Ramirez v. TransUnion LLC, where the courts ruled against the company for failing to ensure accuracy and adequately investigate disputes. Furthermore, in Smith v. TransUnion LLC, plaintiffs demonstrated harm caused by incorrect or unauthorized reporting, underscoring the necessity of adherence to FCRA guidelines.

As such, I request an immediate investigation into these accounts and their removal from my credit report if the inaccuracies can not be verified. I expect confirmation of your findings and any updates to my credit file within the 30-day timeframe mandated by the FCRA.

Enclosed with this letter, you will find copies of the following documents to assist in your investigation : A copy of my government-issued ID A copy of a recent utility bill as proof of address A copy of my credit report with the accounts in question highlighted Please confirm receipt of this letter and provide a written response once your investigation is complete. If you need any further information or documentation, do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

iam a consumer pursuant to 15 1692, I submitted documents relating to the accounts listed on my credit report to be deleted and blocked under the FCRA, XXXX, Equifax and XXXX  has violated under 15 16810 for negligence and non compliance,15 1681s ( A ) responsibility of furnishers to consumer reporting agencies.Pursuant to 1681i ( a ) ( b ) ( c ) 5 ( b ) ( i ) certification of accuracy of information ( ii ) notice to consumer ( iii ) 7
Product: Credit card

Somebody opened an account at Nordstrom with my name phone number address.And social security number. I spoke the nordstrom fraud department and they close the account.And reported it as fraud
Product: Vehicle loan or lease

XXXX I took an auto loan out for the purchase of a XXXX XXXX XXXX from Santander Consumer company. I made payment on this vehicle for 2 years. XXXX I had fell into some hard times with a move I made to Arizona. During this time my car ended up being approximately 2 month behind. 

Santander Consumer then made a threatening game of chain calling mine and my wife cell phone in hopes of obtaining money we owed. We would make agreements with them and sometimes pay them hundreds of dollar at a time. I recall an instant that I paid this company XXXX and they chain called me the entire rest of the day. 

My father was also involved in this. My father would lend me hundreds of dollars out of his bank account to pay them. In-fact my entire family was paying them right along with me. So eventually I sat in my fathers kitchen he lent me XXXX. I paid them in less then a week the car was gone I believe that the entire repossession was unlawful. They could have told me they were going to take the car instead of getting thousands of dollars. Through this scam they had going. 

I feel like I had been treated unfair. This company since the vehicle was repossessed has sold the remaining balance of the loan to some company. The car was sold I heard they kept our property. And now they want XXXX for a car they forced away and have back to the point where the vehicle is already been sold for the last 5 years. 

I spoke with my attorney " XXXX XXXX XXXX XXXXXXXX about the situation. The referred me to your bureau and said you might be able to help. I have bank statement, my father willing to speak along with my wife. My attorney can also vouch.
Product: Bank account or service

A few months ago, I had an overdraw on my checking account at PNC bank. I filed a complaint to the bank saying that I rarely overdraw and if there was any possible way I could be reimbursed for the overdraft. While I was waiting for an answer back, they added another charge on the account for the overdraft even though my complaint was not answered. Finally, an employee got back to me about my overdraft case via telephone, but the line got disconnected, and the man never called me back. From what I have gathered by contacting PNC multiple times to resolve this problem is, this man decided that the charges on my account were valid and would not give me a refund. He did not explain this to me or have the decency to call me back, and every time I tried to get this problem resolved they said there was nothing they could do because the man I spoke to already made the decision to not reinstate the funds. I was charged with over 100 dollars in banking fees because of this issue. I have called the company to complain about the issue, which the representative told me she would file a complaint about the disconnected call and how the man never called me back, but I never heard from them again. 
Furthermore, when I started the account the PNC employee that set up my account gave me the most expensive checking account, claiming it was free because I have a mortgage with them as well. When I sold the house and no longer had a mortgage through this bank, they then began charging me banking fees. I went into the branch twice to switch my account to a student checking account or a basic one, and each time they told they would, yet they never did and I was still charged the same monthly banking fee. 
I have since canceled my account because of the extremely poor customer service. I also tried to retrieve the banking statements from the month of the overdrafts, but my account login does not work now.
Product: Credit card or prepaid card

I want to file a formal complaint. I called Citibank to update my address and to pay my full balance in XX/XX/2018, which I then paid. I had not used the card since and it expired few months later. This week, I was informed by third party that I had an unpaid balance and several {$29.00} late fees. After talking to Citibank customer services, it  appears that there was a transaction that processed after I paid the full balance. And it appears their employee miss-typed my zip code. Therefore I never received any statements since XX/XX/2018. Having not used the card again and then the card expiring, lack of statements was not odd. Apparently they also sent out a new card after mine expired to whomever got it since it never came to me. Despite the zip code being their mistake and me having ZERO ways of knowing I had a remaining balance collecting fees, they refuse to waive them. A ) This should be illegal. B ) The customer service was condescending  and would not work with me to resolve this any other way than me paying the full bill including the fees. C ) They would not pass me to management and I have been unable to reach Citibank management because when I try to fill out complaint forms online, the website tells me that my account/card number doesn't exist. I imagine because it expired and the new one that went to some stranger was never activated. The whole thing has been highly frustrating. This can not be good/fair business practice. Not to mention this card is due to my military/government service, so that's a great thank you to Veterans. Overall, I think the late fees are unfair when it was their mistake and I don't like the inability to reach anyone past first level customer service that I am locked into. Also doesn't seem right. My XXXX interactions have been overwhelmingly positive compared to this and I will never recommend Citi to anyone if this is how interactions happen on their side.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an open federal tax lien filed in XXXX 2010 citing the XXXX rules ( the lien has no SSN number and no DOB ). XXXX XXXX : Beginning XX/XX/XXXX, the bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the XXXX XXXX XXXX XXXX, new and existing tax lien and civil judgment data must include a person 's name, address and either a Social Security number or date of birth in order to be included in credit reports. Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress in response to these violations.
Product: Credit reporting

XXXX and XXXX are incorrectly reporting on my credit report. I have contacted the credit reporting agency and spoken with someone to fix this error. Remove these multiple reports immediately. In addition, I contacted XXXX directly and spoken with XXXX who says that XXXX has ceased reporting on my account since XXXX 2013 and that it should not be there.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, names and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, PayPal limited my account and restricted access to my funds/ balance for 180 days. After review, they " decided to permanently limit [ the ] account as [ they ] found potential risk associated with it ''. On XX/XX/XXXX, I reached out to customer service to get additional information on their decision, as well as to work to resolve the issue. 

After some back and forth, I was told " it looks like our Acceptable Use Policy Team has determined something associated with your account that violates our Policy. I apologize but I do not have any further details regarding this. I understand, this can be frustrating for you but the decision is final '' I was unable to get any additional detail and told PayPal could not disclose any specifics on their decision. I was also told there was no appeal process. It seems unacceptable for a company to be allowed to hold your money without being able to provide specifics or a way to resolve the issue. 

If helpful, I have screenshots of my discussion with customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously XXXX XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my LexisNexis consumer credit report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian numerous times to please send me a signed copy the account that is sad that I opened a XXXX XXXX  account all the charges that were supposedly made by me I have never had nor open or gotten any items from XXXX XXXX. XXXX   and XXXX deleted this account from my credit report because they could not send me anything proving this was my account please Experian send me the proof or delete it from my credit report.
Product: Debt collection

No proof of contact of debt validation was received. After 6 years, this company reported a debt on my credit report after failing to notify me of the debt. Had the debt been brought to my attention anywhere near the date of service inXX/XX/XXXX, I would have been able to provide pertinent insurance information and have the debt handled immediately. I opened a complaint with Central Financial Control to get records of debt collection and was not given a resolution in the legally allowed timeframe. They have now closed my claim and refuse to send me any information by mail. 

This company has a record of less than savory activity, with CFPB having written an article uncovering these shady tactics in XX/XX/XXXX. They have grossly mishandled my dispute and have prevented me from exercising my debt collection rights.
Product: Credit reporting or other personal consumer reports

Im trying to get a mortgage as well as credit and XXXX different companies are not able to pull the credit from Equifax! The file states too large and XXXX credit score which is not correct. The issue is they refuse to remove a XXXX soft pulls from XXXX XXXX and any other soft pull! They refuse to help me they have said XXXX times that nothing is wrong and sends me to the consumer affairs representative who states there is nothing wrong and verifies my information and keeps telling me wait XXXX hours and have them repull the credit. Its been XXXX months and nothing changed is why Im not coming to your business for help! I need a mortgage and they refuse to do the work and research to remove soft pulls. They said they are no freezes which I already knew but I need help! 
Thank you XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX, I received an offer from XXXX XXXX XXXX to settle debt of {$9400.00} for {$2000.00}. Prior to accepting the offer, on XXXX/XXXX/XX/XX/XXXX, I spoke to a collections department representative of the Army & Air Force Exchange Services ( original creditor ) who verified the offer but instructed me to contact XXXX. On or about XXXX/XXXX/XX/XX/XXXX, I spoke with XXXX XXXX of XXXX XXXX who also verified the offer of {$2000.00} to settle the account in full. On XXXX/XXXX/XX/XX/XXXX, I withdrew a cashier 's check for the offer amount and certified mailed it along with the XXXX offer letter and a letter requesting notification of closed/settle account ( Please see attachments ). On XX/XX/XXXX and XXXX/XXXX/XX/XX/XXXX, I spoke to XXXX XXXX, and on both calls she indicated that XXXX has posted the payment to the account, and I will receive a closed account letter in 5-7 days. On XX/XX/XXXXXX/XX/XXXXI did not receive the closed account letter that XXXX XXXX stated. But instead, XXXX sent me another offer letter dated similarly to the first offer letter, dated XXXX/XXXX/XX/XX/XXXX, in the amount of {$7600.00}. Both debt letters are dated XX/XX/XXXX. 
I spoke with XXXX XXXX on XX/XX/XXXXXX/XX/XXXXat XXXXXXXX who stated that to disregard the letter and that the closed account notification letter was mailed from XXXX XXXX XXXX/XXXX/XX/XX/XXXX, and that I should receive it soon. On XXXX/XXXX/XX/XX/XXXX, I called to XXXX XXXX again at or abouXXXX XXXXXXXX  and spoke to XXXX XXXX about in error offer letter that I had received on XX/XX/XXXXXXXX for {$7.00}, XXXX. XXXX XXXX verified that I paid the {$2000.00} and that the debt had been settled and the account closed. She also stated that I should receive my closed account letter absolving from the and that it went out on XXXX/XXXX/XX/XX/XXXX. To This very day I have not received the letter promised by XXXX XXXX absolving me from the debt.
Product: Mortgage

I applied for a no cash out refinance of my mortgage back in XXXX with TD bank. The loan was approved. There were a few understandable delays getting a XXXX and so on. Closing was set for XXXX, then XXXX, then nothing. Rate lock and commitment were extended a week at a time and each week the bank raised the fees to close by {$300.00} even though rates are stable or falling. No communication from the bank just weekly e-mails to sign a new commitment with more fees. 
TD cost me XXXX  in upfront costs and delays and now wants to squeeze another XXXX dollars into their fees. 

While I was busy taking care of patients during COVID. TD made excuse after excuse and now wants more money to close. 

I'd be fine with the delay if they kept to their promise but adding insult to injury by trying to squeeze more fees in hoping I won't notice is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Mortgage

I have attempted to short sale my home for the last year with the repetitive declines stating that the offer was not sufficient. We have asked for a valuation dispute and was advised that we were not eligible to dispute the value of the home. This last review I was advised that the offer of {$370000.00} was not valid - and that the offer needs to be {$470000.00}. The bank was sent an offer for {$470000.00} and they are now stating that the file is denied due to an invalid offer.     Please help me have my file accurately reviewed as the Bank is not acting in good faith with my situation and it seems that they wanted to foreclose on my home no matter what.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding Infiniti Financial Services. They placed an unauthorized inquiry on my XXXX credit report on XX/XX/XXXX and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Debt collection

NCC Business services has called me multiple times. Every time they call I try to make arrangements TO PAY AND RESOLVE the debt. They will gladly setup a payment arrangement but refuse to give me any paper work on the matter. They said if I would make a payment arrangement and pay it on time that it would not go on my credit. When I ask for said paperwork stating those facts they refuse to give to me repeatedly. They say that is not something that they do and that I should take their word. I did a lot of research before dealing with this company and their word does not have a good reputation. Im not providing them with any further information or payment without a written agreement.
Product: Credit reporting or other personal consumer reports

I've tried multiple times to resolve the fraudulent, inaccurate, and misleading info showing up on my credit report, but the issue is still hanging around. It's been super stressful and XXXX-inducing, especially since I never gave permission for this info to be linked to XXXX XXXX a victim of identity theft, after all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to dispute but companies wont respond.