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

XX/XX/XXXX Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : TransUnion : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statement
s, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from TransUnion that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked that you investigate and remove the unauthorized inquiry on my credit report. 
Exeter Fin Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.
Product: Debt collection

I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ). 
Disputed Information : Creditor Name XXXX XXXX XXXX Account Numbers XXXX XXXX I appreciate the effort you have undertaken in investigating my dispute. However, I am now seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the Fair Credit Reporting Act. 
Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

I expect your response to this request within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2 ( e ) ( 8 ). Your timely and detailed response will help me better understand the steps taken to verify the disputed information.
Product: Credit card

I was a long-standing Lowes credit card ( Synchrony Bank ) holder and have made many purchases, some large, over the past 20 plus years. I have lived in the same home for over 30 years and still live there. I have always paid my bill in full each month unless it was a promotional interest free plan. Last summer I attempted to use my Lowes card at my local Lowes in XXXX, FL. The card was declined and when I called Synchrony Bank, they said that it was reported stolen and they were sending a new card. I told them that I had not reported it stolen, that I had the card in my hand. A couple of weeks later, I went to use my new Lowes card and again it was declined. I called Synchrony Bank and they told me that a change of address had been requested. I told them that that I did not request an address change. I then asked them for the new address that I supposedly requested. They said that they could not give out that information. I asked for their supervisor and got the same response. At that point, I told them that their security measures were very weak and requested them to cancel the card ( sometime in early XXXX ). After my XXXX statement, I never received any more bills or correspondence from Lowes/Synchrony Bank . 
Fast forward to XX/XX/XXXX when I applied for a new visa credit card and was declined because of a charge off from Lowes/Synchrony Bank . I immediately requested credit reports from the three reporting agencies ( XXXX, XXXX, XXXX ). I disputed the charge off with each of the three and filled out an Identity Theft Report with the Federal Trade Commission. I filed the FTC report because of the address change and also because I didnt know about charges I made in XXXX because I never received any invoices from XXXX or later. While going through the credit reports I saw the address that Lowes/Synchrony Bank had listed for me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This is not my address and never has been. Apparently, after my XXXX statement, Lowes/Synchrony Bank was sending statements to the bogus address..even after I told them on the phone in early XXXX that I did not change my address. The two charges on XX/XX/XXXX ( {$30.00} + {$12.00} = {$43.00} ) appear to be mine. In an effort to resolve this with Lowes/Synchrony Bank , I sent them a letter explaining this entire situation and requested that they remove the charge off and investigate the fraudulent address. I told them that I would pay that amount if they were to send me an invoice but I would not pay the late fees. 
I received a response from Lowes/Synchrony Bank and that stated they are unable to approve my claim due to the following reasons : - Payments have been made by you on the account - The account has been open for more than 12 months with statements sent to you- You authorized, participated in, or benefitted from the purchase As I previously stated, Lowes/Synchrony Bank changed my mailing address based on a request from someone other than me ( Fraud ) and from XX/XX/XXXX forward, sent invoices and correspondence to the fraudulent address.
Product: Checking or savings account

It started a few weeks ago when they shut off access to my app and their texts are blocked by XXXX so I called today to get them to fix the lack of access. I went through 3 representatives and the Supervisor XXXX refused to grant access to my accounts or funds with my verification of my social, mailing address, birthday, and phone number ( was calling from an electronically verified by system ). The app also traces my physical address which is my billing address when trying to access my accounts via the app and now online which is also being refused. I am unable to access my accounts or the thousands of dollars in them.
Product: Vehicle loan or lease

Today XX/XX/21 I called American credit acceptance to try and pay off my loan, which is approximately {$11000.00}. I offered to pay XXXX to close the account today. They are not willing to go down a penny of what the balance is.I even tried to return the vehicle, which they told me I would still have to owe the remaining balance. I have lost my job due to COVID-19. I am still waiting to receive my unemployment benefits, so I have no income. I am a single mother of a XXXX  year old. I would like to just get this settled so the company can get their money, and I am not struggling to survive.
Product: Credit card

XX/XX/year>, I attempted to payoff an auto loan held by Bank of America. I made an electronic transfer of {$20000.00} to Bank of America from our XXXXXXXX XXXX  checking account. On XX/XX/year> I noticed that the payment had been processed but the auto loan balance was unchanged. I called Bank of America customer service and they were no help, stated that it probably hadn't gone through yet, which was not true. I discovered that the payment/transfer had been made in error to our credit card account with Bank of America and had it fact been processed resulting in a credit balance in this account. On XX/XX/year> we met with XXXX XXXX at the Bank of America branch office in XXXX, Indiana. XXXX had examined the accounts and agreed that the payoff payment had indeed gone to the wrong account. She initiated a call to Bank of America customer service and resolution options were discussed. We were advised that the fastest option would be to request a refund back to our checking account. The request was made at that time. XX/XX/year> XXXX relayed to us that Bank of America said that an ACH transfer was attempted and failed. I could see no evidence of this in my checking account. Bank of America now stated that they have 30 days to accomplish this transfer. The credit card account shows a payment adjustment in the amount of {$20000.00} on XX/XX/year>. No funds have been received in our account or by any other means. XX/XX/year> there has been no explanation of where the funds are or when, where and how these funds will be returned to us. While Bank of America continues to delay refunding our payment they of course continue to add daily interest to the loan that we intended to pay in full. We do not feel that they have acted in good faith. They have not been forthcoming with information regarding the methods and/or timeline regarding resolution of this matter. We are asking that this be resolved as quickly as possible so as not to incur further interest charges on the auto loan.
Product: Credit reporting or other personal consumer reports

I'm reaching out with serious concerns about issues I've been experiencing with the credit bureau. I've identified false account listings, inaccurate credit reports, inconsistent billing, and even accounts that don't belong to me. These problems are compromising my financial security, and I need assistance in resolving them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB Transunion XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

And according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, personal loan, or advance loan

I was needing to help out my daughter and her family. They were given only 30 day notice that they had to move because the house they were renting got sold after their landlord had passed away. My daughter has XXXX children and her husband. I'm the only parent my my daughter has. Her father passed away when she was young. XXXX XXXX approved me for a short term loan over the internet. I only borrowed enough for a security deposit and first month 's rent they needed in order to have a roof over their head again. I thought I would have this paid back quickly, but not realizing what the interest rate was and because of this and the monthly payments I will never get this paid. Original loan I think was {$1500.00} and now my statement says {$4400.00}. Interest rate is 399 %. I stopped paying starting in XXXX because I began falling behind on my mortgage myself. I did call them and told them My vehicle had broken down and that I needed to get it fixed in order to work at my part time job. I'm on XXXX and I support myself. It did not matter to them so I did not get anywhere. Any help you can do will be greatly appreciated. Thank you. XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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.

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: Credit card or prepaid card

I am filing a complaint against XXXXXXXX XXXX ( credit card ). I have sent a debt validation letter to the company on XX/XX/XXXX. I sent this letter due to the fact that I do not have an account with them nor have I applied. I received a letter back from them asking for a copy of credit report along with letter sent on XX/XX/XXXX ( almost 2months later ). I was a little confused on why they would need this info. I then began to file a dispute to the Credit bureaus on XX/XX/XXXX regarding the issue and copies of documents that show that items were properly verified. I then received a updated copy of report with out documents requested attached on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX from all credit bureaus. Today XX/XX/XXXX I received a letter from XXXX on stating there is no evidence of fraud and that they are no taking action at this time. I have not had an account with them since XX/XX/XXXX. Which that account was opened by a parent under my name since then I have not applied with them. Im also having the same issue with XXXX XXXX. I have never had a card with them and they never responded to my dept validation letter. I will like to have this issue Rectified ASAP.  Please help get this taken care of it is affecting my credit ability. I have been affected by the XXXX data breach and have placed a freeze on all credit reports until I am able to get all issues resolved.
Product: Credit reporting or other personal consumer reports

I WAS OVERSEAS AT THE TIME OF THE IDENTITY THEFT IN THE XXXX XXXX. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX AMOUNT {$500.00} XXXX XXXX XXXX XXXX ACCT # XXXX AMOUNT {$500.00} XXXX XXXX ACCOUNT # XXXX AMOUNT # XXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX AMOUNT {$920.00} XXXX  ( NO BILLING NAME ) ACCT # XXXX AMOUNT {$580.00} XXXX XXXX XXXX XXXX  ACCT # XXXX AMOUNT {$60.00}
Product: Credit reporting or other personal consumer reports

I am having an issue opening up a checking and savings account with banks and credit unions due to adverse negative information listed on my Chex Systems and Early Warning Consumer Report. All of the Inquiries Viewed By Others and Me currently listed on my Chex Systems Consumer Report is fraudulent, unauthorized, not my inquiries and is the result of identity theft. All of the bank and checking accounts listed on my Early Warning Consumer Report is fraudulent, not my bank or checking accounts and is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota XXXX License Number : XXXX, Date Issued : XX/XX/XXXX, Dated Expired : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax failed to properly investigate consumer disputes. 
Credit reports have a significant impact on consumer finances and I wasnt approved for a car loan or a home loan.
Product: Debt collection

On XX/XX/2022, I paid {$2300.00} to Synerprise Consulting to settle two collections debts on my credit report originating from XXXX XXXX XXXX. I was told by the creditor this satisfied the debts in full and that both items would be completely deleted from my credit report. I have proof from my bank statements showing I paid these debts. Both items are still showing unpaid, and both items are still on my credit reports.
Product: Money transfer, virtual currency, or money service

XXXX XXXX contacted on XX/XX/XXXX me interested in buying XXXX XXXX listed on XXXX He sent me a cashiers check to pay for it on XX/XX/XXXX, then said he accidentally sent more money, on XX/XX/XXXX the amount of the check was deposited into my account, so I sent XXXX to XXXX. 
My bank deemed the check as fraud on XX/XX/XXXX, so I lost the amount that I sent, XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

There is an account which I requested validation on and have not received. Please help
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when 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 similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into account transactions.
Product: Credit reporting or other personal consumer reports

I came across the CFPB TransUnion lawsuit, I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified. " come with the receipts or delete ASAP.
Product: Debt collection

I opened a capital one secured card ending in XXXX. I lost the card and fraudulent charges were made on it. I tried disputing with capital one but they charged off my account instead without refunding me my deposit. XXXX XXXX XXXX bought the account and now theyre holding me responsible for these fraudulent charges resulting in {$790.00}. I have this account removed already from my transunion report but the other credit reporting agencies still have this account on my credit report. The account number is XXXX. Ive disputed this account a year ago. Please help me remove this collections account from my credit report. Thank you!
Product: Credit reporting or other personal consumer reports

This is a brand new dispute. 
XXXX XXXX is in direct violation of FCRA Section6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly ot through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative infomation without notificationand consent of the consumer. XXXX XXXX  failed to Inform Principal that it would be reporting Principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 U.S.C. 1681 ( a ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. 
XXXX XXXX # XXXX is reporting the tradeline on my credit ( s ) unlawfully regarding transactions and experiences violating principals and rights under the FCRA and could be held for Fair Debt Collection Practices Act as well because I will attest in a Court of Law that I never had an account with XXXX and I am demanding that all negative non public personal information, transactions and experiences be removed from my credit reports ( s ) immediately under the afore consumer mentioned rights and laws.
Product: Student loan

Hello, I 've read that on " XXXX '' about the limitation for loan forgiveness only extends to 120 days after the last disbursement. 
However, as a recent graduate of XXXX XXXX XXXX, XX/XX/2016, I am concerned about my current situation. 

On XX/XX/2016, all students and recent graduates received emails about the school 's immediate closure following XX/XX/XXXX. My concern is that I now have a debt approximating nearly {$40000.00}, most of which comes from my enrollment at XXXX. 

After two years spent of my life, I now have a degree. However, it amounts no more than a piece of paper, from a school now known nationally to have been discredited by the department of education, forced to close, and shall soon no longer exist. 

This worries me because of the large debt I have incurred, expected to pay, and a resume which lists a graduate from a school that is tantamount having attended no school at all. Is there any way to contest the repayment on this debt? Thank you.