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

Subject : Complaint Against TransUnion for FCRA Violations and Failure to Address Disputes Properly Details of Complaint : I have been diligently working to improve my credit, but I continue to encounter issues with TransUnion 's handling of my credit report. TransUnion 's actionsor lack thereofseem to directly violate key provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 USC 1681e ( b ) : Failure to ensure the accuracy of the information reported.

15 USC 1681s-2 : Neglect in correcting inaccurate or incomplete information provided by furnishers.

15 USC 1681i ( a ) ( 5 ) ( B ) : Failure to prevent the reinsertion of previously deleted information without notifying me as required.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a clear explanation of the results of an investigation into disputed information.

15 USC 1681c ( c ) : Improper handling of obsolete information.

Despite multiple disputes Ive filed with TransUnion to address inaccuracies in my credit report, Ive faced repeated issues, including : Sham investigations : TransUnion does not properly investigate disputes. Instead, they rely on inaccurate or improbable responses from furnishers without thoroughly reviewing consumer-submitted evidence. 
Reinsertion of disputed items : Accounts that were previously removed after disputes have been improperly reinserted under new furnishers, contrary to FCRA guidelines. TransUnion has also failed to provide required notices or certifications of accuracy under 15 USC 1681i ( a ) ( 5 ) ( B ).

Lack of transparency : TransUnion has provided vague, confusing, or incomplete dispute resolution notices that fail to clarify the outcomes or actions taken regarding my disputes, violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).

Specific Accounts and Issues : Below are examples of accounts and errors that TransUnion has failed to address appropriately : XXXX XXXX XXXX  ( Account No : XXXX ) This collection account was reported inaccurately and remains on my report despite disputes. 
XXXX XXXX XXXX  ( Account No : XXXX ) Disputed for accuracy, but TransUnion has failed to remove or correct this erroneous account. 
XXXX XXXX XXXX ( Account No : XXXX ) Despite submitting evidence that this debt does not belong to me, the account remains listed. 
These errors negatively impact my credit score, limiting my access to credit, employment, and housing. My current FICO Score of XXXX does not accurately reflect my financial history due to these unresolved issues. 

Relevance to FCRA Compliance Issues : TransUnions failure to ensure accurate reporting, provide proper dispute resolutions, prevent the reinsertion of incorrect information, and issue clear explanations demonstrates systemic issues in their compliance with the FCRA. Their actions, or lack thereof, directly contradict federal consumer protection laws and further harm consumers financial stability and opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a documented ID theft victim of the 2017 data breach from XXXX. I have been trying for 2 years to repair the damage caused from such breach, however, XXXX  refuse to comply.
Product: Debt collection

This company " BULL CITY FINANCIAL SOLUTIONS '' put a collections of debt notice on my XXXX credit report. When I called them, they stated they have no record of me yet they were able to upload the collection to my XXXX credit report as I am getting ready to finance for a new home. They stated to just dispute the claim which is delayed. Their data practices are not correct if they can submit a damaging claim and not correct it. 

Bull City already informed me due to their lack of data management they can not do anything for the damage caused. This was complaint process is a formality before getting an attorney for damages
Product: Mortgage

The Seterus, Inc. company, which is currently being sued for mortgage fraud in the New York Supreme Court, as previously filed before this agency in a complaint ( XXXX aboutd SETERUS, INC ), has taken more illegitimate actions in conjunction With the board of directors of XXXX XXXX XXXX, an illegitimate board said by a Supreme Court Judge, XXXX XXXX, ( Annex A ), the dismissal is currently being disputed as other current shareholders in the same Cooperative have expressed their willingness to participate in the 2018 Board Challenge. The same board of directors also faces a Breach of Fiduciary Duty and fraud charges in a pending action to which a class will soon join of refiled if necessary, in an effort to try to recover more than XXXX XXXX dollars in defrauded real estate from XXXX XXXX XXXX XXXX ( the same cooperative sponsor and managing agent ) and board members who voluntarily participated in the fraud for personal gain. The lawyers who fabricated the claims on the eviction of Ms. XXXX, which includes XXXX XXXX, XXXX XXXX and XXXX XXXX, are under investigation for conspiracy, harassment and fraudulent evidence before a court of law, and the board faces perjury charges. 

Seterus, INC., Under its parent company, has auctioned the property of XXXX XXXX XXXX, with the cooperation and assistance of the people mentioned above and in violation of the New York Law.
Product: Debt collection

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 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 [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TD AUTO FINANCE obtain a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with td auto finance nor have I applied for any credit products from td auto finance.
Product: Money transfer, virtual currency, or money service

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

I sent a letter on to remove ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any ITEMS or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 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: Credit reporting, credit repair services, or other personal consumer reports

I realize I had damages on my report as I was trying to get a new car and a new house. According to the U.S.C. 1681 Law there should not be any damages on my report, it a defamation to my character. I tried to dispute all inaccurate information and fraudulent information, nothing has changed and its holding me back from doing the things I need to get done. I even tried to contact the all credit bureaus, that also didnt change anything. I have been sending disputes since XX/XX/2023 XXXX
Product: Debt collection

Resurgent Capital Services continues to contact me about a debt that I do not owe. According to their representatives, debt verification materials have been provided but I am questioning their legitimacy for several reasons including : a lack of personal identifying information on the documents, a listed address that I have never lived at, and an inability to produce an account holder 's agreement with my authorization or signature despite repeated requests. I have asked Resurgent Capital Services for additional substantiation repeatedly -- most recently as XX/XX/22 -- and in the words of a representative they, " do not have anything else on file. '' I am only being provided a topline account summary, which frankly, is meaningless because the debt in question does not belong to me and could be easily fabricated.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees incurred. Despite having insufficient funds with transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similiar practices when the transactions settled with insufficient balances despite intillay available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Mortgage

XX/XX/year> Attempted to deposit check for homeowners insurance claim. The check, in the amount of XXXX, was made out to homeowners and Provident bank. We have no primary mortgage. Provident would only deposit into their bank then disbursed in 3 equal payments at their discretion and upon inspection of work completed with a {$65.00} inspection fee. 
I asked for documentation and was advised this is Provident Insurance dept policy. 
Our line of credit is for XXXX. Our HELOC balance was {$5500.00}. 
Correspondence between branch employees and myself included my request to only withhold the outstanding balance. 
I was denied. They also said my line of credit would be frozen. 
We finally negotiated to withhold the {$5500.00}, and freeze line of credit. 
I deposited the check XXXX. 
I checked my account. The deposit was not entered. 
The bank deposited the check in another account and had a teller make a new deposit slip for half the amount. 
This was not we agreed upon. 
I paid off the {$5500.00} balance in full then went to the office and demanded the remaining balance be deposited. 
The balance was deposited. 
Provident still froze my line of credit and still insisting the work be inspected, with a fee, before releasing hold. 
This bank has no stake in my home for the amount I owed on the HELOC. The home is valued close to XXXX. I am debt free. HELOC was just a money management tool. 
I printed out their HELOC policy off their website. It clearly states they can only freeze or reduce the credit line if the value of the home declines " significantly '', or the lender " reasonably believes '' that you are unable to make payments due to a material change in you financial circumstances. 
There is no evidence of either being my current state. 
I owe them nothing. I don't have a mortgage, I don't have a history of default, my home value is not valued at less than the line of credit or the outstanding balance. 
I refuse to pay an inspection fee. 
This was a blatant attempt to confiscate funds illegally under the HELOC and extort fees. These are predatory practices. The reason Provident merged with Lakeland bank was to allow more diverse customer base and empower minorities with lending options. These actions proves they have predatory practices, and withholds funds needed for living and home expenses during a time of crises. Provident committed a worse offense then Lakeland.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : { XXXX/XXXX {$1100.00} ( XXXX XXXX XXXX   {$220.00} ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within 4 Business Days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am trying to resolve an issue with XXXX XXXX, XXXX ( also known as XXXX XXXX ). I am not aware of this matter that indicates XXXX XXXX became the servicer of this alleged account on behalf of purchaser, XXXX XXXX, XXXX. I sent a dispute in XX/XX/XXXX and in XX/XX/XXXX ; however, I did not receive a mailed copy of the verification information provided by the seller in XXXX of XXXX or XX/XX/XXXX as stated. I comprehend the concept that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act ( FDCPA ). However, after reviewing the consent decrees that XXXX XXXX has received concerning their business practices from the CPFB and other reprimands from various judges, I am not aware if this alleged account in question remains collectible, due and owing to XXXX XXXX as servicer for XXXX XXXX. Furthermore, this alleged account in question is " Time-Barred '' if the information they are providing is accurate as stated. 

Any unscrupulous debt collector could possibly claim ownership of one 's alleged account and send statements generated by new technology as verification ( see attachment ). I find it reprehensible that a company could report negative information to someone's credit reports without proper ownership. Debt collectors must prove they have the right to collect a debt and establish an unbroken, valid chain of assignment back to the original creditor. I have seen no proof for a bill of sale, an assignment, or a receipt between the last creditor and debt collector ( s ) holding this alleged debt. I am entitled to know the chain of assignment for this alleged debt that specifies who/what was transferred and to whom/to where it was transferred if this information is reported in my credit files. In addition, I should have received correspondence from the original creditor if this alleged account was sold to another entity because it was allegedly charged off the original creditors books. 

I expressed a concern regarding how the alleged account is appearing on my credit reports, not report. Each one has different information reported monthly that causes harm continuously. I have contacted the credit agencies concerning XXXX XXXX 's credit reporting. I was advised that the 3 credit bureaus input information into their systems according to the creditor or debt buyer 's electronically sent information. 

XXXX XXXX did not respond to the various postings of this alleged account and its monthly changes and listings as other on some reports and collections on another report to the credit bureaus. In addition, Past Due, " Recent Balance, '' FP ( Failed to Pay ) or C ( Collections ), and Terms listed as 1 month are not permitted by debt buyers. This information continues to exist on all 3 credit reports. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor, and I have never signed an agreement with them or considered an alleged amount is accurate.
Product: Mortgage

Applied for mortgage recasting. Lender refused it. They didn't inform and misguided me when i signed the loan documents about the loan recasting. 
I want to make big payment and recast the loan.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I have been scammed by a person who said they were the owner of the property that I was going to be renting as my primary residence. They used the owners identity and information to scam me out of deposit and 1st month rent total of {$3200.00}. They said I needed to send money to secure home. I sent money via BMO Harris bank XXXX app through my account. I went to meet said person for the keys on moving day to find out I had been scammed and the money I send to the finance manager was a fraud. I filed police report and filed dispute claim with BMO harris like I was told. The bank did not even wait to receive my written claim with all my evidence along with the police report number since I pressed charges. They denied my claim saying they dont deal with authorized push payments even though I had clearly been scammed and the money I thought was going to the real owner was to a fraud. 
The dates I was instructed by fake XXXX XXXX to sent money were as follows to XXXX XXXX ( financial manger ) XX/XX/22 {$100.00} application fee {$1500.00} deposit fee XX/XX/22 to move in early XX/XX/22 due to work schedule I was told to pay {$1300.00} 1st month rent {$150.00} dog fee The fake XXXX XXXX was in contact with me the whole time and said the previous tenants couldn't get out by the XXXX but I could meet him at XXXX on XX/XX/22 to get keys. We were in contact until that morning when I went to move in and found out it was a scam. I filed police report with XXXX XXXX that morning number : XXXX. I called bank right after and filed claim. I had did a been verified check on XXXX XXXX before I filled out application on XX/XX/22 to make sure I was in contact with the real owner. Unfortunately that was not enough to prevent this fraud from happening. I used my savings to secure this property and now have no means to secure a another place to rent.
Product: Credit card

In XX/XX/year> I the credit Worthy consumer in good faith applied for the Amex platinum card, but was denied by reason of denial. 
Under the Equal credit opportunity act. American Express XXXX act unlawfully discriminated against. AND I BELIEVE I AM PROTECTED under 12 CFR PART 1002 REGULATION B and 12 CFR 1002.7 And 15 U. S Code 1681a ( exclusions ) Gramm-Leach-Bliley Act 1016.10 Limits on disclosure of nonpublic personal information to non affiliated third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX XXXX XXXX TXXXXX * XXXX XXXX XXXX, TXXXXX * XXXX XXXX XXXX, TXXXXX  * XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and do not belong to me. Please have these following inquiries removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I received a {$50.00} bill from a Citibank ATM. When I went into the branch location to make change, they confiscated it and told me it may be counterfeit. I thought using my bank atm would be safe. The Citibank assistant manager told me that another company loads the Citibank ATMs and that Citibank was not responsible. I was told it would be sent to secret service for further evaluation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to attach letter I have written to Experian on XXXX in regarding in the letter written to them. 

Also in trying to communicate with any of the big three : Experian, XXXX and XXXX  are very difficult to get in contact with be it by phone ( they don't answer the phone as a rule ), or by mail, as they don't like to reply even if you send them certified mail. 

They could really care less about the general public, and have been given the green light to slander and defame anyone they chose with NO accountability to anyone. 

If you do go through what ever to try to correct or to update your file as they have it, they will insist you spend hundreds of dollars again and again to join whatever service they might have, to correct what they have published that is incorrect. 

LIKE IT WAS MY FAULT THAT THEY ARE PUBLISHING INCORRECT ITEMS.
Product: Credit reporting or other personal consumer reports

I want these address removed from my Transunion, XXXX, and XXXX credit reports immediately. 15.U.S.C-1602 unauthorized use. According to the FCRA, these unidentified and unauthorized items must be removed. 

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 I would like to keep this personal information only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 XXXXXXXX