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

I am writing to file a formal complaint against TransUnion for its failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/2024, I submitted a dispute letter to TransUnion via USPS certified mail ( Tracking XXXX XXXXXXXX ), challenging the following items : XXXX XXXX XXXX XXXX - XXXX and XXXX  Reference # XXXX. Additionally, I disputed incorrect names listed on my credit report. To facilitate the verification of my identity, I included a copy of my photo ID, social security card, and a recent bill. 

Despite adhering to the FCRA 's dispute process, I received a response from TransUnion on XX/XX/2024, stating, " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response implies a refusal to conduct a reasonable reinvestigation, a direct violation of my consumer rights under the FCRA. Credit bureaus are obligated to conduct a thorough reinvestigation when the accuracy or completeness of any item in a consumer 's file is disputed. 

Enclosed, please find copies of my dispute letter, USPS certified mail proof of delivery, and TransUnions response, serving as evidence of my attempt to address inaccuracies on my credit report.
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 Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 APPEARING 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, EQUIFAX 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

I had XXXX medical bills incurred because of a XXXX XXXX Florida XXXX ambulance trip to the ER in XXXX. I was unable to pay and they referred it to my credit report. The 7 year statute of limitations has expired, but they keep selling to it different companies and they keep adding it back to my credit report. 

I have written and talked to them and told them the debt was incurred in XXXX with XXXX XXXX Florida ( XXXX XXXX XXXX ) and the 7 year statue of limitations was over and they cant legally keep it on my credit report by selling it to different creditors and restarting the clock. The refused and hung up on me twice. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- # 1 Account info Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - ________________________________ # XXXX Date Reported : XX/XX/XXXX Collection Agency COLLECTION BUREAU OF FWB Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact COLLECTION BUREAU OF FWB XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Product: Debt collection

During the 1st week of XX/XX/2020 Synchrony Bank started calling XXXX a number that is not listed on my account. This was in an attempt to collect a debt that I was told had deferred payments for Covid and was told not to resume any payments until XXXX of 2020. The debt collector called and called and called and spoke to my mother XXXX XXXX my mom was not aware of a debt and the skip tracer was trying to probe. The asked for my moms social etc. During the call they validated my mother did not have a debt but they told her XXXX did. My mother does not have any authorization on any of my accounts and should not know that any account was delinquent. The person proceeded to tell her I was delinquent and by how much and that I needed to call them ASAP. Upon this my mother called me concerned. She sent me a pic of the call back number to call. I called the number and asked why was my rights violated as a consumer this happened around XX/XX/XXXX the lady on the phone was rude didn't answer any questions and didn't offer any help. She claimed that the XXXX number was not on my account yet my mother had all of my detailed information This is a clear violation of debt collection rules. I told this person this on the phone asked for a supervisor and she placed me on mute and never came back to the phone. Till this date I never received a phone call to discuss. At this point my only recourse is to sue for this situation. The number I called them from is XXXX this is for Synchrony Bank Discount Tire Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like XXXXm being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email alert from XXXX XXXX that one of my accounts had been closed. When I looked into it, I learned that Bank of America had closed my credit card because I was labeled as " Deceased ''. I immediately called Bank of America, where they confirmed that they did close my account due to receiving a notice that I was dead. I explained that I was not deceased ; however, I am the trustee for my aunt and that she had passed away XX/XX/XXXX. We have her trust account with BoA and clearly, they mistook her for me. After proving to the Estate Dept at BoA that I was who I said I was, and that I was clearly not dead, they reopened my credit card. 

Now I find that are problems with all of my credit reports because of their mistake. So much of a problem, that I can not even access my credit scores through XXXX XXXX because my " information does not match credit reporting ''. 

My aunt was never associated with my credit card. We have completely different names. She has never lived in XXXX, nor have I ever lived in XXXX. Different birth dates, different social security numbers - Clearly Bank of America did not do their due diligence before making the decision to close my account and subsequently ruin my excellent credit rate!
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 XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 reporting or other personal consumer reports

debt forgiveness due to XXXX a XXXX does not begin on the date of its award... 

Veterans are put through years of struggle, extreme poverty, homelessness while waiting for their cases to be determined. 

i put in for my total and perminent XXXX in XXXX... i was awarded XXXX  % XXXX in XXXX. Some veterans wait even longer Companies and reporting agenies file reports that destroy a veterans credit while they endure the long wait for a decision to be made. They are held to a standard that they can not maintain due to mental and physial XXXX. They are punished for not being perfect. 

In the end they are awarded and declared XXXX... the award is often backdated to compensate and recogognize the duration of that veterans XXXX. 
Their debt is discharged but the veteran is not made whole. 
Companies dischrge the debt but not the ledger. They continue to report negatively and cause the veteran great harm. they continue to be held to the standard of perfection as their XXXX are ignored Discharge of debt due to XXXX should reflect the entirety of the veterans XXXX... 
If the debt is truly discharged... the ledger or payment history should be too A Company that continues to file negative reports against a veteran after they have dicharged the debt should be held liable for the damage they are doing the veteran should be made whole why is this abuse allowed?
Product: Credit card or prepaid card

Two fraudulent charges on my " Marcus '' credit card, totaling {$1100.00}. Have been attempting since XX/XX/2022 to get Marcus to " refund/reimburse '' these charges to my credit card UNSUCCESSFULLY! The Fair Credit Billing Act proscribes that Credit Card Companies MUST refund all fraudulent money charged/stolen against the victim except for {$50.00}. Marus by Goldman Sachs REFUSES to refund these fraudulent charges against my credit card. A XXXX XXXX employee " over-charged '' my card with two separate line charges over and above the " true cost '' of the ticket. XXXX XXXX did refund the cost of the ticket ; however, XXXX XXXX refuses to refund the other two fraudulent charges totaling {$1100.00} stolen by their employee. XXXX XXXX sent to me an email saying these additional charges by their employee is " Fraud '', but, refuses to refund my money. Marucs refuses to reimburse me for this fraud as well. 

I have documented evidence I wish to upload to my complaint substantiating my assertions above. I desperately need your help. A crime was perpetrated against me- I was robbed by a XXXX XXXX XXXX, which XXXX XXXX gave him the XXXX & XXXX to perpetrate this crime of theft against me, yet they refuse to refund the " Entire '' amount charged against my Card by XXXX XXXX. 

Marucs by Goldman Sachs refuses to recognize their legal obligation, as required by the " Fair Credit Billing Act '' to me as a client and credit card user and reimburse me/refund me for the {$1100.00} I was " Defrauded '' by the XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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
Product: Mortgage

Applied for a loan modification and was denied. I lost a source of income due to a XXXX. Never had a late payment in 12 years. I asked why my loan modification was denied, i was told because of insufficient income. That was the hole purpose of me filing a loan modification. They are not helping me with my situation and being able to keep my house
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Recently I pulled my credit report which caused great XXXX, and seen that this Experian account is reporting incorrectly, I noticed multiple names and numbers that are not Mine. I have since Filed a FTC report, to fix this issue. And have attached it to todays complaint, I have sent the company multiple letters And also reached out to XXXX and XXXX  to remove These multiple names And addresses this from my credit profile. There has since been a breach In XXXX XXXX along with Experian. Iam Fearful that my information could end up on the dark web. Please delete the following below and send me an updated report. 

Phone Numbers : ( XXXX ) XXXX and ( XXXX ) XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX  Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  Name ID # XXXX The above Name with the Name Id Are Incorrect or is not my Information I have attached proof of identity, To this document here today
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Department of Education/Nelnet is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from United States Department of Education.
Product: Debt collection

I am living in XXXX XXXX XXXX XXXX apartment complex located at XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, I moved from an apartment to another one in the same apartments complex back in XX/XX/2018, I didnt know that I had an outstanding amount for XXXX $ for the old apartment until I received a phone call from a collection company called Procollect asking me to pay this amount before XX/XX/2018 then I paid the amount to the apartment complex and received a statement shows that I dont owe them anything, I sent it to the collection company ( Procollect ) before the deadline, Then I was checking my credit score today XX/XX/2018 and it was dropped by 35 points bcz that company reported that collection report and never removed it even though i paid it in full and sent them the proof of payment via e-mail as they asked earlier.
Product: Credit card

My recent statement closed with an overcharge of {$39.00} the balance not paid by the due on date on my credit card was {$1600.00}. With an APR of 19.24 and 2 days subject to interest before it was paid off in full the interest charged should be {$1.00}. This is the second month in a row Ive been overcharged with no remedy. I question whether Citi has any understanding of an APR and how to do finance XXXX level calculation. Ive never had this problem with any other bank or credit card issuer.
Product: Credit card

Chase bank sent me an email stating that my application for a credit card that I had never applied for was received and the inquiry showed up on my credit report. I never applied for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I fell behind on my XXXX/Wells Fargo Credit Card. I called several times to see what my options were for repayment. I called in XXXX to set up a payment plan, in which I did. I spoke to XXXX and she set me up on a plan for {$100.00} a month until XX/XX/XXXX and then {$38.00} on XX/XX/XXXX. This would pay my bill in full and close my account out.

Recently, I received a notice that my credit report is showing this account as charged off. I have not received ONE piece of mail or ONE phone call to say that this was the case. I called XXXX/Wells Fargo Credit Card on XX/XX/XXXX, I spoke to XXXX, she said that they can at their own discretion at any time " six or seven months '' late and file it as a charge off. She also said the only reason they would remove the charge off status was if it was a bank error. Then, XXXX got on the phone and proceeded to tell me that she has me on a recorded phone call saying that I knew that this was a charge off. This never happened. She said she was going to transfer me to a Executive Office and hung up on me. I have paid all of this bill from the first payment as I said I would. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion company really dont do there job the person told he was a supervisor and said he will not take anything off my credit file I sent my police report and the others have already took items off he was very rude couldnt not understand no XXXX its really sad that a company can mess your life up this why its not fair Im trying to buy me a house next year and TransUnion is not doing there work
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inquiries and accounts thats fraud on my account or unauthorized applied to open accounts XX/XX/XXXX XXXX XXXX inquiry for credit never applied for XX/XX/XXXX XXXX XXXX XXXX for credit i never applied for XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry never applied for XX/XX/XXXX inquiry on credit never applied for unauthorized XX/XX/XXXX inquiry XXXX XXXX  inquiry unauthorized XX/XX/XXXX inquiry XXXX XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX  INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XXXX XXXX XXXX XXXX NOT MY ACCOUNT FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$440.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Product: Checking or savings account

I received 16 transactions Only one was refunded the {$2.00} 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 {$5.00} There was one additional {$2.00} charge but that one was refunded.

I also reported my card and had a new one sent
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS ALLOWED XXXX XXXX AND XXXX XXXX TO REPORT INACCURICIES ON MY TRANSUNION CREDIT REPORT, THE XXXX XXXX ACCOUNT XXXX WAS CLOSED ON XX/XX/2023. HOWEVER IT'S SHOWING DELIQUENT ACTIVITY AND A BALANCE AFTER THE CLOSED DATE. TRANSUNION PROCEDURES HAVE ALLOWED THIS SINCE XX/XX/2023 AND HAS BEEN HIGHLY DAMAGING TO ME. ALSO TRANSUNION HAS ALLOWED XXXX XXXXXXXX TO REPORT INACCURICIES ON MY CREDIT REPORT. XXXX XXXX ACCOUNT XXXX WAS CLOSED ON XX/XX/2023, IT'S SHOWING DELIQUENT ACTIVITY AND A BALANCE AFTER THE CLOSED DATE. TRANSUNION HAS ALLOWED THIS SINCE XX/XX/2023 AND HAS BEEN HIGHLY DAMAGING AS WELL, THIS ERROR IS ILLEGAL AND UNETHICAL.TRANSUNION FAILED TO PERFORM AN INVESTIGATION. REMOVE BOTH ACCOUNTS IMMEDIATELY.
Product: Bank account or service

Debit card was stolen and used to make bad deposits and withdraw cash from my son 's checking account. Additionally, the card was used to make purchases. I reported the lost card immediately upon my son realizing that he did n't have it. Suntrust opened XXXX cases for the reported fraud on XX/XX/2016. On XX/XX/XXXX, I received notification that the cases were opened. On XX/XX/XXXX, after I received notification that my case ( claim ) was denied. On XX/XX/XXXX, I went to a local branch to discuss the case since the customer service telephone service could not give me any details on the denial. The branch VP talked to corporate staff via phone while I was there to better understand the denial and appeal process. I was told that I would receive information via mail about the appeal process. On or about XX/XX/2016, after having received nothing via mail or email, I again went to the branch office to discuss the matter. She again discussed the case with corporate staff via phone in my presence. I was told that I needed to file an appeal if I disagreed with the findings. On XX/XX/XXXX, Suntrust sent me two letters : one that they received my dispute and the second that the rebuttal did n't provide additional information to overturn their decision. On XX/XX/XXXX, my son filed a police report with the local department. On XX/XX/XXXX, I faxed a letter appeal to Suntrust along with copies of the obviously fraudulent deposits as well as the police report. On XX/XX/XXXX, I stopped by the branch office and asked if the VP could help. I told her that I had sent the appeal and received nothing even though the previous correspondence to Suntrust had resulted in almost immediate responses. I emailed her a copy of the letter that afternoon. On XX/XX/XXXX and XX/XX/XXXX, I received emails from the VP inquiring about responding via a " rebuttal form ''. I have received no written response to my XX/XX/XXXX appeal nor have I been reimbursed any of the stolen funds or bank charges due to insufficient funds.