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

This is the 2nd complaint to CFPB regarding TransUnion & this SAME PROBLEM. Original complaint reference # XXXX. Note they correctly resolved the problem but now they deleted one of the accounts again. 

They are not reporting ALL my revolving accounts & it's payment history. 

ISSUE : They are not reporting my XXXX XXXX XXXX ( XXXX # XXXX XXXX XXXX XXXX ). 

Just weeks ago they CORRECTLY re-instated my correct active revolving accounts and they even provided this confirmation to CFPB on my original complaint. And now they've deleted the Mastercard. 

Stop deleting my correct active & open accounts. Your not doing your job right because XXXX XXXX is providing you the correct data and the failure is on TransUnion 's. 

Attached are : 1. Screenshot # 1 - of my TransUnion reporting through XXXX showing ( correct ) active accounts a couple months ago. 
2. Screenshot # 2 - Confirmation of the resolution for my prior CFPB complaint when they added ( correctly ) 2 accounts back on my profile -- one of which they just AGAIN deleted, Mastercard.

3. Screenshot # 3 & # 4 - of my XXXX - showing that my Mastercard was DELETED by TransUnion
Product: Credit reporting or other personal consumer reports

I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. I had recently reviewed my credit report and saw inaccurate information being report resulting in significant negative impact on my credit report. I never authorized this lender to make a hard inquiry on my credit report. Per credit consumer law ( 15 U.S. Code 1602p ) I request that you please remove this specific hard inquiry from my credit report immediately as for it is causing damage to my credit report proving inaccurate information which is in violation of my rights and of the FCRA.

I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. As well as reporting late payments on my account this is inaccurate information that is having a negative effect on my credit report causing a negative impact on my credit score and payment history. Under 15 U.S. code 1681s - 2 that is in violation of the law and my rights to report any inaccurate information. As well in violation of 15 U.S. code 1681 ( b ) reporting any information regarding my credit report without my written consent. With my account being shown as a charge off of bad debt that is inaccurate and having a negative effect on my credit report causing severe damage to my credit score and history under 15 U.S. code 1601. Regarding the reports of late payments effecting my credit negatively I want to refer that under 15 U.S. code 1666 ( B ) it is a violation of my rights reporting inaccurate information. This is all in violation of the FCRA and I would like them removed immediately. 

I have previously submitted disputes with the following individuals XXXX, XXXX and Equifax. The disputes have been submitted on 3 or more separate occasions dating back from XX/XX/2024 til currently over the time period I have asked for them to verify proof there credit reports were accurate, they have yet to submit proof or proper accuracy I have pull credit reports from varies bureaus resulting in various instances where I found multiple instances of inaccurate information being reported having a significant negative effect on my credit scores.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. 

Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

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

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX  XXXX
Product: Checking or savings account

PNC Bank has given information to XXXX XXXX XXXX and XXXX. 

I am not aware of this information I have received nothing from PNC Bank. 

I am unaware of any poor banking habits with this company
Product: Credit card or prepaid card

Hello, I applied and was approved an AMEX XXXX card with a promotional sign-on bonus. This bonus was to spend {$3000.00} USD in the first 3 months for XXXX XXXX points and to spend an addition {$2000.00} USD within the first 6 months for another XXXX XXXX points. The second bonus is not being honored by AMEX even though I made the required purchasing amount within the time-frame. AMEX claims it is " not attached to my account. '' The card was approved on XX/XX/XXXX. This special promotion ended on XX/XX/XXXX. I 'm attaching screenshots of this information. I 've contested this issue with AMEX and they have denied it saying it 's not attached to my account. This is a technical issue, as I had to open multiple challenges with AMEX to even get the first XXXX bonus, which after 6 months of calling them and opening challenges, has finally been posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called XXXX and Experian and spoke to a representative in regards to the 15 inquiries on my report that don't belong to me. I made it clear i did not authorized any of these inquires.The following accounts wasn't made by me and i want them to be removed. I dont understand how i have a fraud alert on my credit report but you guys cant make the necessary measures to make sure im making these inquiries.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ( why in the world will i apply for a card every month ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Requested full account documentation with XXXX XXXX XXXX, never received.
Product: Debt collection

My chapter XXXX bankruptcy ( Case XXXX ) was discharged on XX/XX/XXXX. After the discharge, I filed XXXX disputes - XXXX with XXXX and XXXX with XXXX - to have an eviction record reported by Hunter Warfield ( collection agency for XXXX XXXX ) removed from my reports. 
XXXX of these accounts was removed on XX/XX/XXXX, the other on XX/XX/XXXX. I recently moved and I 'm unsure why but Hunter Warfield began contacting me via telephone and postal mail, attempting to collect the debt that was included in my Chapter XXXX and had already been removed from my credit reports. 
I notified them via Electronic Mail that I am no longer liable for this debt, and included a copy of my Discharge Certificate. 
Hunter Warfield failed to reply to my e-mail, but I reached out to the City of XXXX ( there was a default judgment against me for this debt ), and they said that although I have proof of filing Chapter XXXX Bankruptcy, since the discharge certificate does n't specifically list Hunter Warfield, XXXX, or the City, they would not remove the judgment from their records, although the City advised me that they would not attempt to collect on the judgment since I had a Chapter XXXX on file. 
After my move, I checked my credit report via XXXX and discovered that Hunter Warfield added this debt back onto my XXXX credit report. I contacted Hunter Warfield advising that this debt was discharged but once again, I received no response. 
I have filed a dispute with XXXX but it could take up to 30 days to resolve. I also feel that Hunter Warfield has violated their rights as a debt collector in the state of Virginia.
Product: Vehicle loan or lease

Everything is in the Docs I sent About the down payment, the fees that where suppose to be included in the finance charge, and the insurance + More
Product: Checking or savings account

I try to call the chase account team all last week they had me on hold each day for 45 minutes nobody came to the phone I was trying to contact to tell they to take my {$20.00} check off hold they did this because Im XXXX the discrimination against me chase bank also I did a mobile deposit they clear my bank with the check they still but the check on hold for 8 days because Im XXXX.
Product: Credit reporting or other personal consumer reports

in god we trust under XXXX liberties we ask that you correct this report under Gods Grace all debts are forgiven jesus XXXX  for our sins Amen
Product: Prepaid card

Yesterday morning, XX/XX/year>, I noticed a {$760.00} charge from mywisely account and immediately called wisely to report it and tell them to protect my account. This person had completely hacked into my account and was pretending to be me. They changed my phone number to theirs so they would get my notifications. I told this to customer service, but, for some reason, XXXX {$700.00} gets taken out. I call, complaining, telling them to PLEASE PROTECT MY MONEY. I shouldnt have to do that. They say they resolve it. A few minutes later, yet another {$700.00} gets taken. So not only did I lose that first {$700.00}, I also lost much more money because of their negligence. Upon confronting them, the woman said Im sorry maam, we thought this was you. Now why would it be me if I was calling repeatedly reporting my account compromised? It seems to me this couldve been an inside job because whoever this was never tried to reset my account. They seemed to easily have full access to it without even trying and changed my information like it was nothing. Even weirder, after they locked up my account, I got a notification that my number was changed back. The only people with access to my account at this time was wisely. Whos to say both times that number changed it wasnt them? I read online many people having this problem lately and I think this company should be investigated. Im waiting XXXX business days to get my dispute paperwork and sign it, but many were saying that their claim was denied, even with all the evidence in the world. Im hoping this doesnt happen in my case. Im reaching out now to let you know ahead of time Im having this issue in case they try to pull the same on me. {$2200.00} isnt pocket change and they were just letting this person take my money and acting so nonchalant about it. I provided images of the time I first received the unexpected charge, the time I first called them, and the time I last had money stolen. The money was first stolen at XXXX. I called at XXXX. I immediately caught the transaction, so it shouldve ended there. However, I continued to have my money stolen until XXXX. How do you explain this? How does money get stolen for another hour and a half? This isnt professional at all and I now know that my money was never safe.
Product: Debt collection

First notice XX/XX/XXXX thereafter I call the company and the bank and indicated to take action with the CFPB to solve the issue. In XX/XX/XXXX receive another letter to pay the debt. Account # XXXX
Product: Money transfer, virtual currency, or money service

A payment was processed by a payer in the XXXX to our Mercury Bank account. This payment was made on the XXXX XX/XX/2023 and has yet to be credited to our account. I had provided the tracking number, amount, etc and to date no feedback has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the month of XXXX I was behind on my mortgage to XXXX and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XXXX XXXX XXXX, I submitted my payment in the amount of {$2500.00} XXXX late fees included ) to XXXX, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing XXXX to initiate the transaction soon after. 
Today XXXX/XXXX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never taken out. I immediately contacted XXXX customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XXXX XXXX XXXX. I still have yet to receive that letter.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$7900.00} ; XXXX XXXX XXXX XXXX {$4700.00} ; XXXX XX/XX/2023.
Product: Bank account or service

on XXXX XXXX, 2015 I was charged several transactions from XXXX XXXX transactions in the following amountsXXXX. {$20.00}. {$100.00}. {$54.00}. {$120.00}. {$56.00}. $ XXXXtotal amount of {$390.00}. I attempted to contact XXXX through customer service and email I received the same resonse several times stating to look over my XXXX purchase history which I had already done and determined that the charges were not mine nor were they authorized after serveral unseccessful attempts I contacted my bank Bank of America. I filed a dispute. I cancelled my debit card that was linked to my itunes account to prevent this from happening again. Today XXXX XXXX, 2015 I checked my account again to pay bills and once again I have XXXX new XXXX charges all for in the amount of {$100.00} totaling {$430.00}. In the past week XXXX has charged my account in the amount of {$820.00} in unathorized charges. I need this amount refunded asap to my account and for these charges to stop now.
Product: Credit card

I had {$4000.00} of fraud on my account, XXXX XXXX. I have called my creditor 4 times, and they told me that they would have it removed at the conclusion of every customer service call, yet it still shows on the account, and at this point the same charges are actually showing up again, after they were removed, twice.
Product: Student loan

I attended XXXX College in XXXX XXXX, MO and they closed down voiding my earned certification and training and career placement program. 

XXXX College XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX XXXX XXXX XXXX several times about this and told them about the school closing and informed them about the closure and loan forgiveness plus refund of all tuition paid. 

XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX Both XXXX College and XXXX XXXX XXXX XXXX  XXXX are not responding to resolve this and are still collecting again my wages on this student loan which is basically worthless with all benefits of the program discontinued. 

Please assist me in stopping the collection of this student loan immediately and removing it from my credit reports! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Student loan

I have my loans with XXXX. There have been multiple times that my payment has been removed from my account but not showing as paid on my account for a few days. Other times I have had direct deposit turned on and the payment never went through, pushing my payment info being overdue and one time even applying for forbearance for me ( I had the money in my account and direct deposit turned on ). The times the payment never went through, they show an overdue warning and suggest direct deposit. I have reached out to them by email and have not received any responses. 

Their site is confusing and payments never seem to go through on time. I have very little confidence that my loans are being handled properly. I feel trapped and worry that my account will become delinquent without my knowledge, even though I am able to make my payments and have direct deposit turned on.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX   XXXX {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are 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/block any items not later than 4 business days. date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., 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 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 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

During the COVID-19 initial impact on the United States my home loan company promised that if I enrolled in their loan forbearance protection I could skip up to 3 months of payments with no impact that would be reassessed at the end of the 3 months. I only skipped 1 month and quickly repaid it back over the next 2 months. They reported to the credit bureaus that I missed a payment. This clearly went against their published policies that during the pandemic no negative reporting would occur. They violated their agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi - XXXX XXXX XXXX XXXX has refused several times to remove a deliquency from my credit report, despite my providing a screenshot from my online banking proving it was paid. I am happy to furnish documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I check my credit report to see it went down XXXX points! For an account I have no knowledge of, Ive never had a service through XXXX phone company. 
Jefferson Capital System is falsely accusing people of debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX 3 fraudulent charges were made totaling XXXX XXXX I noticed this on the night of XX/XX/XXXX and immediately disputed the charge. I spoke to SOFI customer service and they told me to wait until the charges posted and dispute them. From there our money would be refunded. 

My dispute was denied 2 weeks later after an investigation where no information was shared on what was investigated to me. SOFI told me to appeal, which I did. 2 more weeks passed and on XX/XX/XXXX my appeal was denied again. 

I called customer service multiple times and they do not allow you to speak with anyone in the financial dispute team directly.