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

Transunion refuses to properly investigate inaccurate information being reported on my credit report. I have provided Transunion with several documents of proof for accounts which routinely violates the fair credit reporting act. 

Transunion refuses to remove unauthorized inquiries from my credit report. 

The following inquiries dated XX/XX/2022 were not authorized. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion refuses to remove and block the reporting of inaccurate and unfair reporting from furnishers which consistently damage my credit profile with incorrect information. In addition, Transunion does not provide proof of investigation, only continuing to allow the creditor to erroneously validate information.

Transunion is in violation of : 1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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: Debt collection

{$340.00} XX/XX/2017 collection account placed on personal credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

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

block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX  {$87.00} XXXX XXXX {$8900.00} XXXX {$9400.00}
Product: Credit reporting or other personal consumer reports

I previously submitted several disputes with XXXX regarding these inquiries, and after investigations, I received responses indicating that XXXX refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for them to access my credit file. 
I believe it is essential for me to receive this documentation as it is my right to verify the legitimacy of these inquiries. Without this proof of authorization, I insist that these inquiries be promptly removed from my credit report, but XXXX consistently refuses to remove them and to provide me with documentation from the creditor. XXXX customer service representatives stated that they do not provide documentation from the creditors. I asked how they verify that what they are reporting is accurate, and I was told they rely on a response from the creditor stating it is valid but no documentation. They are violating my rights.

As such, under 15 U.S. Code 1681i, Paragraph ( 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 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit card or prepaid card

I am XXXX XXXX XXXX XXXX man and total negligence in giving out a credit card. They refused to give explanation why credit card was denied, after calling and writing several times. Its is probably a case of Racism  and white supremacy. I asked to reapply, and provide drivers license with physical address. However, XXXX XXXX is a XXXX that refuses to reapply.
Product: Debt collection

Portfolio recovery is requesting money from me and I do not recall ever doing business or having them write me validating my financial obligation to them. Up to now they have not sent me anything validating this contract and they are reporting on my credit trying to strong arm me into paying money to their company. They are injuring me by reporting on my credit in return for me paying them money they have not validated. This seems like extortion I have asked for validation with no response. Today I request this with help of the CFPB for tracking purposes. I dont want to be strong armed into contracts with companies that will take advantage of consumers. 

Validate this debt 1 ) Please produce a contract bearing my signature to do business with your company 2 ) Send me an ORIGINAL contract 3 ) Copy of account payment history 4 ) The account statements from the original creditor 5 ) What is the balance I owe including original amounts, interest, fees and when was this account purchased 6 ) Did any credit bureau contact you regarding this debt? If so, which bureau? What was verified? 

I never received an opportunity to validate this alleged debt. I am requesting this information today.
Product: Credit card

Synchrony Bank closed XXXX of my accounts on XX/XX/year>. The following accounts were closed : XXXX XXXX, PayPal Credit , Rooms to Go, Mattress Firm, and XXXX XXXX XXXX XXXX I spoke to a customer service manager and said that I was fine with closing Mattress Firm and XXXX XXXX XXXX cards, but I asked him to appeal the decision for closing XXXX Comfort, PayPal Credit and Rooms to Go since those were revolving credit accounts that I currently use. I requested that instead of closing the accounts, that Synchrony Bank instead decrease the credit limit to allow me to keep the accounts open and in good standing. To date, I have never missed a payment and I have always paid the minimum payment on all XXXX accounts. The oldest account is 3 years and 11 months old ( XXXX XXXX ) and the newest account is 5 months old ( Rooms to Go ). The customer service manager informed me that the decision to close all XXXX accounts at one time was based on my credit score and as part of the account review process to extend credit, decrease credit and/or close accounts and that the decision was not reversible.
Product: Money transfer, virtual currency, or money service

Last Wednesday, XX/XX/XXXX, I was looking to purchase 2 tickets to a XXXX XXXX basketball game. I found a listing that had great seats for {$100.00} a ticket, and went ahead and messaged the person. I had a good conversation with them, they sent me proof that they had the tickets, and everything seemed fine. 

I asked what they wanted to do for payment, and they said they didn't wan na do XXXX because it caused a huge headache for them last year with a hack. They'd prefer to do XXXX. I was hesitant here because I know that XXXX has the best protection and I messaged my concern to the seller. I also asked if I could send {$100.00} for the first ticket, then he sends the first ticket, then I send the rest of the money, and he sends the second ticket. This way I could have a little bit of security. He didn't reply for a couple hours, so I messaged him for an update. He told me he didn't feel comfortable doing that and gave me best of luck finding seats. 

I figured that he had to be legit at this point. If he was scamming me, wouldn't he have just taken the {$100.00} and left? So I messaged him again and agreed to do it all at once over XXXX. Now since XXXX is through the banks, and is linked to social security numbers and identities, I figured that if I was being scammed it would be easy to reverse the payment and find the person. He told me he was already lining up something with someone else. I offered {$120.00} a ticket and begged him a little to sell to me. He agreed. 

I sent the payment through Wells Fargo XXXX, ended up sending {$250.00} total, he messaged me that we was transferring the tickets, and they never came. Tried calling/texting him but no answer. 

The phone number he used to text me was XXXX The XXXX name was XXXX XXXX and Phone number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX  regarding this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 certified letters to XXXX, Equifax, and XXXX Credit Bureaus. The letters I submitted disputed the creditor of XXXX XXXX closed account as a charge-off. I have requested to have my signed application as verification of debt, yet each credit bureau has yet to produce the documentation nor delete the creditor from my credit report.
Product: Debt collection

I received a letter on XX/XX/XXXX from XXXX XXXX XXXX claiming I owed {$850.00} to XXXX XXXX. I have never used XXXX and have never had cable. I went online and it seems they are sending out letters to people saying they owe money for Cable services they never received.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax credit reporting agency , block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My new complaint is that the credit bureaus have refused to fix my credit report. M & T has caused me to not be able to get access to COVID 19 funding or any type of funding because they incorrectly reported to my XXXX payment to my credit because I'm XXXX American. See original complaint below. 




Original complaint XXXX XXXX XXXX M & T Bank Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called M & T bank in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that M & T bank has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX Americans. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with M & T. When I complain M & T responds by retaliating. I am XXXX  and XXXX  of this XXXX  XXXX, what it represents and the XXXX  that it spreads. I've said it before and i'll say it again. This organization is run by XXXX XXXX.
Product: Credit card or prepaid card

XXXX decided to do business with Citibank. Citibank decided to set up automatic annual XXXX membership renewal charges without my consent. Citibank took it upon themselves to charge the card {$120.00} for the annual XXXX membership fee. I wasn't aware of this. I got a letter in the mail telling me that my Citicard was closed due to non payment, and that I owed them {$220.00}. I called Citibank on XX/XX/18, and the rep told me that all he can do is waive one {$37.00} fee. I told him I would pay the {$120.00} that they took upon themselves to charge me, but that they needed to waive all of their fees and any other charges that they charged the account since it wasn't fair that they automatically signed me up for this Citibank card that I did not want, nor did I want to set up automatic payments for my XXXX membership to that card. The rep told me that unfortunately he could not waive any other additional fees except for that {$37.00}, and that I was responsible for paying the other charges to the account. I told him that I wanted to talk to someone that can take my complaint, or if he can provide me with an address so that I can write to Citibank regarding my complaint. The rep told me that he couldn't do that, but that he can have an account manager contact me regarding my complaint in 2 days. I told the rep that I was fine with that. It's been 7 days and I have yet to hear from anyone from Citibank. On XX/XX/18 I called in to pay the {$120.00} for the XXXX membership fee. Today XX/XX/18, I called in to check the balance on the account, and they told me that my balance was {$100.00}. This is ridiculous and I shouldn't have to pay Citibank 's fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial Services has consistently misreported to my XXXX   and XXXX  reports multiple times. 

On my XXXX  my score was dropped 45+ points on or around XX/XX/2018 and again on or around XX/XX/2018. 

They have passed the FCRA requirement of updating payment information for the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. They have also disregarded the weekly calls I have made every week since this issue has occurred. 

I also would add that Westlake Financial was supposed to give a financial hardship credit in XX/XX/2018 but instead Westlake Financial didnt  apply that forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once.
Product: Credit reporting

I have submitted supporting documentation to equifax and the other XXXX credit reporting companies in regards to XXXX accounts that are reporting as potentially negative. I contacted equifax because I received an e-mail that my results are ready to view. Upon clicking on the results nothing was there. I called equifax again to re-dispute these XXXX accounts. ( XXXX ) as they are to be listed as accounts that are in good standing and the degratory remark to be removed from the reports. Equifax tells me that it is still in dispute. I question how this can still be in dispute as I received confirmation that the results are ready. They will not let me re-dispute this incorrect information. The letters I uploaded from each account states to update my information because I contacted them directly to correct this information. I am getting nowhere again and my score keeps going down. I am trying to obtain credit for a car loan and having this incorrect information on my credit reports is affecting me in obtaining credit. I ca n't even view my report online I keep receiving an error message and tells me the address where I can write to them. I have sent letters/phone calls etc trying to clear this up. I am complaining because this has been going on for months and it should have been corrected by now especially when I have supporting documentation straight from commenity bank who holds these XXXX cards ... .. ( XXXX and XXXX ).
Product: Debt collection

Midland Credit Management , Inc ; is reporting a fraudulent tradeline from a credit card that I never had.

According to their records their was a dispute place on XX/XX/2019. No documents was mailed to me after the dispute. Also according to them this tradeline was paid in full before they receive the account.

The rep refuse to take my calls.
Product: Credit reporting

I disputed inquires on my credit report that were not mine and were not authorized and they were not deleted.
Product: Checking or savings account

i was on winred which is a place i have donated to previously ( about 2 years ago ). i gave them {$50.00}, unfortunately on my debit card ( which i will never do again ). I then got an email from them stating they were cancelling my recurring donation of {$6600.00}. i got on my bank account right away and saw i had a {$6600.00} pending payment. i immediately called my bank ( FNBO ) and they said there was nothing they could do but figured that the amount would drop off after a three day period since i received an email from winred. if it didnt then i could file a dispute claim. i told them it was nothing more than fraud and i didnt understand why they couldnt block this transaction while it was pending. They said it was their policy. I was livid! I then contacted winred through their website as there was no one to talk to on the number that was listed. it was automated and wouldnt take the information i entered regarding the transaction. I emailed them 3 times about this matter and no one got back to me. Yesterday ( XXXX ) the {$6600.00} went through my checking account. i called the bank and filed a dispute claim and sent them the email i received from XXXX. They told me they would give me a " provisional credit '' while it was under investigation but it would take 5-10 days to get into my account. The first gal i spoke to at the bank ( FNBO ) told me they would get my money back to me so not to worry, but the gal i spoke with yesterday didnt seem as confident. My husband contacted the republican party on several levels and no one would help us. I find it odd that the bank sends me texts asking about possible fraudulent charges before they put them through but then let this {$6600.00} charge go through without question. As high as it was, someone should have notified me. At the very least they should have granted my request to stop the charge. I need some help. i feel like i have been left in limbo. i even went into the bank and talked to a manager to no avail.
Product: Payday loan, title loan, or personal loan

The company is not disclosing the pay off if I want to pay it off early. After researching I'm finding this is a tactic of tribal lenders since they are getting you for +600 % interest.
Product: Credit card or prepaid card

I've requested BB & T Bank XXXX XXXX department and XXXX, company that manages BB & T rewards program, on numerous occasions, to provide me with a detailed statement, from date of inception - current. This is to include date, amount, number of points redeemed, number of points available. I need this information on 3 business accounts under the name of XXXX XXXX, XXXX. This is required by family court in a civil matter and is required for equitable distribution. I
Product: Credit reporting or other personal consumer reports

Experian has now closed 3 complaints today without addressing the issue once again experian gives idiotic explanation that has nothing to do with the fact they now have stolen 18 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract.

2. XXXX  {$540.00} ive never done business with this company were answered into a signed contract.

3. XXXX XXXX XXXX XXXXl ( XXXX XXXX XXXXr ) {$160.00} ive never done business with this company or entered to assign contract.

4.XXXX  {$1200.00} Ive never done business with this company or entered into a signed contract.

5. XXXX XXXX$1700.00} Ive never done business with this company or entered into a signed contract.

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX The following inquiries are fraudulent 1.XXXX XXXX  XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX Please See Attached FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquiries on my credit report from XX/XX/2021. I should only have one reported. Called company and they refused to help or remove it.