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

I am writing to file a formal complaint against TransUnion for unfair and deceptive practices in handling my credit report disputes. I have been encountering issues with inaccuracies on my credit report, and TransUnion 's responses to my disputes have been unsatisfactory and in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I mailed a dispute letter to TransUnion challenging inaccuracies on my credit report related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I disputed inaccurate addresses. I received a response from TransUnion dated XX/XX/XXXX, stating they would not investigate my dispute because they believed it was coming from someone other than me. Undeterred, I sent a follow-up dispute letter on XX/XX/XXXX, challenging the same items on my report. After waiting for the required 30 days, TransUnion did not provide me with any investigation results, which is a clear violation of the FCRA. I sent yet another dispute letter to TransUnion on XX/XX/XXXX, hoping to resolve the errors on my report. To my surprise, I received a response dated XX/XX/XXXX, once again accusing me of using an unauthorized third party and refusing to investigate my dispute, identical to their response in XX/XX/XXXX. It's important to note that the response received from TransUnion dated XX/XX/XXXX was addressed to a different address, which is not my current address. I believe I have given TransUnion ample chances to conduct a proper investigation. However, their consistent refusal and failure to provide investigation results demonstrate a disregard for consumer rights.
Product: Debt collection

My wages started getting garnished and I looked into who was garnishing it the said it was slovin and associates from the original creditor XXXX from an account in 2020 I have not had an account with XXXX in 2020 and dont know where it came from. Its not on my credit report or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data including SSN was compromised in the Equifax security breach. They did not properly secure my personal information, and therefore made me significantly vulnerable financially.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been attempting to file disputes online with Equifax since XXXX of XXXX and filed a complaint with the CFPB in regard to this issue. 
I have received a copy of my credit report, via USPS, and spoke with someone at Equifax yesterday to find out when information would be deleted from my credit report. 
I found that XXXX XXXXXXXX XXXX XXXX is inaccurately reporting data and not showing a complete historical account information section on my credit report for the " DATE OF 1ST DELINQUENCY ''.

The date of 1st delinquency reported is XX/XX/XXXX, but the " ACCOUNT HISTORY WITH STATUS CODES '' shows XX/XX/XXXX. 
This account was opened in XXXX of XXXX. 
The date of 1st delinquency should have been in XXXX or XXXX of XXXX. 
I have previously disputed and sent numerous letters to XXXX XXXX XXXX XXXX in an attempt to retrieve all accurate information for review and to date, still have issues with this account. 
I believe that this is an attempt by XXXX XXXX XXXX XXXX to re-age the account for reporting purposes in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Randomly had money missing from my mobile wallet on cash app, many other also had money missing on this exact week
Product: Debt collection

I pulled my credit report and saw a collection account from Midwestern Recovery for a payday loan debt totaling {$720.00} from XXXX XXXX. I contacted XXXX XXXX XXXX Contact Center who advised I do not have an account from XXXX 2010. I have never received a validation of this debt. It just showed up on my credit report.
Product: Vehicle loan or lease

Purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, AL on XX/XX/XXXX. Paid {$700.00} down with 15 {$220.00} payments. We paid two payments directly to XXXX and in XX/XX/XXXX XXXX sold the contract to XXXX XXXX. We made three payments directly to XXXX XXXX. The payments are sent in the form of a check directly from our bank and the bank has verified the checks to XXXX were received and cashed by XXXX. As of today, the two payments we made to XXXX have yet to show up causing our credit to spiral downwards because its showing 60-89 days past due. Have spoken with both companies and they tell us to get with the other one to get it fixed. Meanwhile, late fees are accruing and no one wants to do anything about it. Help please because the arbitration agreement wants us ( the consumer ) to pay for all arbitration fees and on XXXX thats literally impossible.
Product: Mortgage

On XX/XX/XXXX at or around XXXX I received a call from XXXX XXXX and I wanted to go over the low loan amount that XXXX XXXX had given ( but he stated he didnt but his name was on the file ) I asked if she can go over the financial information due to it bring very low for approved amount. She stated her company does not take Public Assistance payments, they dont participate in that, she cant do my mortgage application. I need to contact someone who will take that type of income. Flat out refused to process my application. I asked her for her manager name and information. She gave me the first name and said she will relay the information and also stated she is not allowed to give out any of their contact information. They refused to process my loan with the additional income. Call ended with call someone else who can do it. We cant.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued inaccurate reporting of late open accounts on my credit report, despite multiple attempts to correct this issue. This ongoing error is causing significant harm to my creditworthiness and financial well-being. I respectfully request your immediate attention and resolution to this matter.

I first identified this discrepancy on my credit report. Despite my consistent and timely payments for these accounts since their inception, they have been inaccurately reported as late, negatively affecting my credit score. 

My attempts to rectify this issue have been as follows : I submitted a written dispute to Credit Bureaus, outlining the incorrect reporting of late payments and providing all relevant documents as evidence of my timely payments, including bank statements and payment records. 

I followed up with [ Credit Bureau Name ] via phone to inquire about the status of the investigation and the correction of the late payment reporting. I was informed that an investigation was underway. 

As the late open accounts continued to be inaccurately reported, I sent a second dispute letter on [ Date of Second Dispute ], reiterating my concerns and emphasizing the urgency of resolving this issue. 

To date, I have not received any response or resolution regarding the correction of the late open accounts on my credit report. 

The ongoing presence of these inaccuracies is causing severe harm to my creditworthiness and financial stability. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly corrects the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Bank statements and payment records demonstrating timely payments Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report. Kindly help me correct these late open accounts : XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00}.
Product: Credit card

I was trying to apply for a credit card with Capital One. When I went to fill out the pre-approval application, it said I couldn't be approved or denied at this time because I had already filled out another application. When I called them, they said there was a completed application they were reviewing, and it was done on XX/XX/year>. I have never applied for a credit card with them, and we confirmed that the person used all my information. Capital One is investigation the fraud now.
Product: Money transfer, virtual currency, or money service

I requested that CashApp pull money back from an individual I had sent money to because they were no longer providing the service as requested. The amount is {$250.00} and was sent to an individual on XXXX/XXXX/20. They told me that they can not do this. They do not allow for making complaints or even wanting to know if an individual using their service is abusing it. I requested this refund on XXXX/XXXX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a report open that was responded to in my Experian portal part of my dispute was complete but they have yet to remove an inquiry that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no account related to this company nor did I request any information from them or give them consent to view my credit report.
Product: Credit reporting or other personal consumer reports

police report numbers : XXXX and XXXX I am writing to formally report significant issues with a credit reporting agency concerning multiple inaccuracies present on my credit report and to request the removal of this erroneous information. 
I contest the following inquiries that must be removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that the following accounts be added back to my credit report, as they have been paid as agreed : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Furthermore, I must emphasize the erroneous bankruptcy filing that XXXX has claimed to verify. The XXXX XXXX XXXX has confirmed that it **does not verify information to third parties**. This situation raises significant legal concerns under both **15 U.S.C. 1681e ( b ) **, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported, as well as my constitutional right to due process under the **Fifth and Fourteenth Amendments** of the United States Constitution . These rights guarantee that I am entitled to accurate information being reported about me and that I have the right to challenge any inaccuracies. 
Additionally, under international law principles, including those reflected in the **Universal Declaration of Human Rights ( UDHR ) ** and the **International Covenant on Civil and Political Rights ( ICCPR ) **, individuals are entitled to privacy and the protection of their personal data. The failure to rectify inaccurate information in my credit report operates contrary to these fundamental rights, thereby violating not only domestic legislation but also international standards of justice and fairness. 
Given these circumstances, I hereby request the immediate : XXXX. Removal of the inaccurate inquiries from my credit report. 
XXXX. Addition of the accounts ( XXXX XXXX, XXXX XXXX, XXXX ) that have been paid as agreed. 
XXXX. Removal of the erroneous bankruptcy filing from my consumer reports. 
I have provided a police report to the credit reporting agency substantiating my claims regarding these inaccuracies, but despite my efforts to resolve these issues directly with them, no action has been taken. These inaccuracies have severely impacted my credit score and overall creditworthiness.

Attached are copies of the police report and my correspondence with the credit reporting agency for your review.

Thank you for your attention to this urgent matter. I look forward to your prompt assistance to ensure the rectification of my credit report in accordance with both domestic and international legal standards.
Product: Debt collection

XXXX XXXX XXXX representing XXXX XXXX XXXX pursued and obtained a judgment against me and my husband. This company has documentation showing my husband is currently serving on active duty and they still pursued the judgment. This is in violation of the XXXX. I was not able to obtain employment after our last change of duty station and that is why the account fell behind.
Product: Consumer Loan

On XXXX XXXX I was given a loan for {$2000.00} from Mariner finance company.Because of my credit score they wanted to send a check to the company I wanted to pay.The {$2000.00} which I and the mariner manager endorsed was sent to XXXX, c/o XXXX.The check was sent out XXXX and received on XXXX/XXXX/2016 .The check was also cashed on that day .The next day I called XXXX and they informed me they had not cashed the check.What happened was that the XXXX envelope was delivered to a XXXX by mistake and they cashed the check.After many calls to Mariner finance they have still not located who cashed this check.The check in question is a XXXX XXXX XXXX check.I filled out a fraud investigation form through Mariner and XXXX XXXX XXXX on XXXX XXXX is now XXXX XXXX and they have still not found who cashed the check.My problem is that the first payment to Mariner finance is XXXX XXXX have still not received my money from Mariner.I have called almost every day and still they refuse to send me a replacement check for XXXX.XXXX to whom I wanted to pay is a high interest company that loans you cash and deducts money from my bank account every XXXX and XXXX of the month.Since this all started on XXXX I figure I have given XXXX around {$600.00} in interest.I need your help because it seems I am the one suffering dearly through this whole ordeal.Thank you, XXXX XXXX.XXXX, XXXX Florida XXXX.My cell phone XXXX XXXX and my home phone is XXXX ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX   XXXX {$350.00} EQUIFAX XXXX {$360.00} XXXX XXXX XXXX {$830.00} XXXX DEPT OF ED XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

Hello, I am writing to dispute an account on my credit report that pertains to XXXXXXXX XXXX. The account in question reflects a debt cancellation, for which I was supposed to receive a 1099-C form. However, despite multiple requests, XXXX XXXX has failed to provide me with the necessary documentation. 

Account Details : XXXX Creditor Name : XXXXXXXX XXXX Date of Discharge : XX/XX/XXXX I would like to emphasize that according to IRS regulations, when a debt of {$600.00} or more is cancelled or forgiven, the creditor is required to issue a 1099-C form to the debtor. This form is essential for tax reporting purposes. 

Despite my diligent efforts to obtain the 1099-C form from XXXX XXXX including [ briefly describe any attempts made to obtain the form, such as phone calls, emails, etc. ], they have failed to provide me with the necessary documentation. 

As a result, I kindly request that you investigate this matter and take appropriate action to either remove the disputed account from my credit report or update it to reflect the accurate status, considering the lack of documentation provided by XXXX XXXX 

Please find enclosed copies of [ list any supporting documents you are providing, such as copies of correspondence with the lender or proof of your attempts to obtain the 1099-C form.

I appreciate your prompt attention to this matter and request that you inform me of the results of your investigation as soon as possible. 

Attach you will see the proof when I request the document through CFPB the last year On XX/XX/XXXX Thank you for your assistance in resolving this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Account was paid and closed but remains on my Experian credit report. Even after I requested for the items to be removed, the items remain and are damaging to my credit report.
Product: Debt collection

My recent credit report contains several fraudulent accounts that were added without my knowledge.
Product: Credit card or prepaid card

On XX/XX/2022 i shopped and purchased the required amount on a mail flyer for a {$25.00} savings at the HOme Depot store XXXX in XXXX, GA. 
The cashier scanned the mail coupon code and just said " this is a credit to my account and not taken off immediately. Usually XXXX is taken off at the point of sale, I thought this was odd. 
I have called both HOme Depot customer case and Home Depot credit card services. 
When i first called in XXXX to The credit services, they said it takes 1 or 2 billing cycles for the credit to appear. I have been XXXX billing cycles and still no credit applied. 
I then in turn called Home Depot customer care. They tell me its all handled under Credit card services. When i called back to Credit services they tell me its not them and to take the issue to Home Depot customer service. I didnt see anywhere on the mail promotion that would indicate any delay or waiting for any rebate. The attached receipt documents the XXXX  promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a dispute regarding a collection account ( XXXX XXXX ). I disagreed with results. XXXX hastily completed their investigation and stated that the account belonged to me. I was disputing the amount owed. If they would look at the numbers submitted by XXXX then it would be 0bvious that there are no itemized charges adding up tom XXXX Furthermore after I complained about XXXX and transuion preventing me from obtaining my report in an easy and timely manner. Here is my new complaint : On the XXXX of XX/XX/XXXX, I opened myfico account and and my XXXX credit score was XXXX. Today XXXX days later it is XXXX. Transunion went down to XXXX. How is this possible when my credit limit went up on my XXXX XXXX card and the balance of my XXXX  XXXX card went down. I also paid off my personal loan and have not been late on any payments the last 6 months. Meanwhile XXXX raised my score today to XXXX .... Are XXXX and Transunion retaliating because I closed my monthly account with them and then filed complaints against them both? I have to believe that I am being punished. I am a XXXX XXXX XXXX XXXX veteran trying to get a car and an Apartment. How the heck can my scores go down almost XXXX points in XXXX days. XXXX, please enforce whatever rules that XXXX and Transunion are breaking. There is No way that my score could drop that much that fast. And to make matters worse XXXX and Transuion listed the XXXX XXXX account as new when it has been there since XXXX.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 602 A. States Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX  Inquiry : XX/XX/2023 ; XXXX Inquiry : XXXX. XXXX, 2023 ; XXXX XXXX : XXXX. XXXX, 2023.