23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I want these inquiries and debt to be deleted because I did not authorize these companies to run my credit its fraudulent.
Product: Debt collection

XXXX XXXX XXXX XXXX Ct, XXXX XXXX XXXX, VA, XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request for Deletion of XXXX XXXX XXXX XXXX XXXX XXXX from My Credit Report Dear TransUnion, I am writing to formally dispute the XXXX XXXX XXXX XXXX debt collection account listed on my credit report. I am requesting that TransUnion verify this debt and provide all original documentation, including any agreements or evidence proving this debt is valid and tied to me. 

I am challenging the accuracy of this account due to incorrect information. It is important to note that this account has already been disputed with the Consumer Financial Protection Bureau ( CFPB ) and subsequently deleted from both XXXX and XXXX. Furthermore, the CFPB has an ongoing lawsuit against XXXX for failing to properly investigate disputes, raising serious concerns about the validity of credit reporting across all bureaus. 

If you can not validate this debt as required under the Fair Credit Reporting Act ( FCRA ), I demand that the XXXX XXXX XXXX XXXX account be immediately deleted from my credit report. The continued reporting of unverifiable or inaccurate information is unacceptable and harmful to my credit profile. 

I request written confirmation of the outcome of this dispute and any changes made to my credit report. Please respond within the 30-day timeframe mandated by the FCRA. If you have any questions or require further information from me, you may contact me at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$6000.00}, {$9000.00}, {$17000.00}, {$5800.00}, {$2900.00}, {$13000.00}.

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 finance and 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Product: Credit card or prepaid card

Transaction XXXX A fraud transaction with XXXX XXXX  took place on my PayPal Synchrony credit account ( managed by Synchrony Bank ) back in XX/XX/2021 for {$430.00}. I was inadvertently refunded for the fraud sale twice. Therefore, my PayPal Synchrony credit account was credited {$870.00}. This created a credit balance on my PayPal Synchrony credit account. I contacted PayPal Synchrony credit in XX/XX/2021 to make them aware of this because I had purchases that I wanted to make using my PayPal Syncrhony credit account. Nothing was done. I made purchases with my PayPal Synchrony account in the meantime. Eventually, the additional refund was debited back to me in XX/XX/2021, which was expected. However, the debit of {$430.00} ( to correct the duplicate refund they gave me ) posted to my PayPal account, not my PayPal Synchrony credit account like it should have. Therefore, my PayPal account ( which is completely separate from PayPal Synchrony credit ) is negative by {$430.00}, my PayPal account has been disabled until I pay the {$430.00}, and I am in collections with PayPal. This was all out of my control and not my fault. Yes, I owe the {$430.00}, but not to PayPal. I owe it to PayPal credit for purchases that I conducted on my PayPal Synchrony credit account after my fraud claim. PayPal credit allows you to pay over time. I want the fraud credit reversal off of my PayPal account and placed onto my PayPal credit account where it belongs. I have called PayPal, I have talked to PayPal collections, I have talked to PayPal credit. Nothing has been resolved and no one is giving me any solutions.
Product: Money transfer, virtual currency, or money service

Today at about at XXXX/XXXX/2017 at XXXX XXXX while looking at my transactions within my PayPal account a negative balanced of XXXX dollars and XXXX cents appeared after a refresh of the page that has no details associated with it. When I clicked on the details button regarding that mysterious negative balance of XXXX dollars and XXXX cents it takes me to a page to add money to cover the balance without any details explaining its appearance. I suspect fraud and negligence by the company. I contacted the company immediately for some clarity on the matter and waiting for there response.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  was a account charged off put in collections and resolved. Transunion has refused to the original XXXX account and also the charge off that has been resolved and instead are leaving both as as derogatory and further hurting credit. Account was closed XXXX XXXX and they keep updating derogatory mark to further hurt credit ( Updated XXXX XXXX ). Last update was XXXX. The files show Trans union reporting both accounts as derogatory to further hurt consumer and prevent scores from improving.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters over 120 days ago to this this bureau ( XXXX  XXXX XXXX XXXX XXXX XXXX and the educational institution XXXX XXXX XXXX XXXX XXXX and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic. 

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

I received a message that my information may have been compromised. This is unacceptable and Equifax should have placed proper security measures to prevent this. I now have to freeze accounts, and live in paranoia.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain Technology. Grain provides a revolving line of credit that you can access through your existing debit card without issuing a card. This approach empowers you to use what you need for your day-to-day, builds good credit in the process and ultimately, gives you more ownership over your credit. 

What this company does not tell you is, how they are keeping personal information and not allowing you to pay your credit bill. This company has kept over 100 people personal information including, SSN, Addresses, DOB, Bank Accts and most of all dropping individuals credits tremendously. I have requested to make a payment to this company & I was blocked. Grain will kick people out of the system by unlinking the bank accts to make payments and drop the customer 's credit point. I was able to reach my 700s and Grain has dropped my credit to 500s. I am in emotional distress. I have tried to talk with serval people to look into this matter. This is one company that does not need to go any further in life. Lying to people just to make living bad. I have a growing business and tried to apply for a XXXX XXXX and was advised of what Grain has did. I am not unable to have a business credit due to this matter also. Please look up this company. Taking people information and blocking people to have access to their personal life information is the worst a company can do. Compromised my personal information! 

I have been locked out of my acct for 6 months. This company continues to report missed payments. This company will block you and have your credit score drop, DUE TO THEIR LIES!!! 

I believe that the company will retaliate against me for submitting
Product: Credit reporting or other personal consumer reports

This message goes out to myFICO and Experian : My XXXX XXXX Credit card was reported inadvertantly or intentionally, out of cycle which caused my score to drop temporarily. As this week is when XXXX XXXX reports my account updates ( on the XXXX or XXXX ) this time, I expected all my FICO scores to rebound at a minimum to back to where they were prior to the misapp. 
Both XXXX and XXXX have so far, but good ole Experian has still not rebounded. The question is why? 

CFPB XXXX If I've made conspiracy-tpye assertions against Experian, now you know why. Anyone truly studying my history with Experian will scratch heads and go huuuuum. Why because there is always something going on with my Experian credit profile that does not add up. 

My assertion is Experian is on purpose teeter-toddering my score because they are targeting me for warning them of a massive class action suit that is for sure coming. That's the only explanation I can come up with as to why : - My Experian score is so much laower than XXXX - Small chnages have a minor impact on the the scores from the other 2 CRAS, yet can take a dive with Experian - Credit limit advances seem not to matter with Experian - Experian was the only CRA that my XXXX credit card affected for being reported out of cycle. it did not occur for XXXX. How, XXXX reports to all XXXX? Hum. 

Experian could attempt to make claims of busy operations and systems, however, everything is electronic, so updates are instant
Product: Student loan

They can not seem to complete the process of me changing my payment plan to an updated revised pay as you earn plan. I've been trying for months to change and have not been able to. I've had trouble ending my deferment status, trouble getting a payment plan change, most recently I was placed in forbearance and due to make a {$5.00} payment while they changed my plan, now all of a sudden that has been changed and my payment amount is significantly higher with no notice whatsoever. I have no idea what is going on. When I call, I always wait a minimum of 1 hour to speak with someone.
Product: Credit reporting or other personal consumer reports

The County Recorder of Deeds and the Bankruptcy courts have mailed me letters that stated they do NOT provide any information to the credit reporting agencies nor do they ever validate or confirm public records.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia. XXXX Affidavit of Dispute To TransUnion please be advised that i am filing this my affidavit of dispute and adjoining all the previously filed complaints related to this matter, which contain pleadings and facts so stated in the last 30 days. 

I request the matters so complained of be investigated and the aforementioned accounts be removed from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I signed up for a XXXX XXXX {$600.00} promotion online in XX/XX/2020. The offer said you get {$300.00} when you open a new checking account and direct deposit {$500.00} or more within the first 60 days. The first part of this offer I completed on XX/XX/XXXX by submitting {$600.00} direct deposit from my employer. The second part of the offer claimed you get an additional {$200.00} bonus when you open a new savings account and keep a balance of {$15000.00} for 3 months. This was completed on XX/XX/XXXX. When completing both offers, you get an additional {$100.00} for a total of {$600.00} with a payout date of XX/XX/XXXX. 

Come the payout date, I wasn't provided the bonus. I opened a case with support through their website. They initially said I didn't qualify for the bonus because a direct deposit wasn't made within the time period specified. This was incorrect and I provided them details about the direct deposit my employer made within the first 30 days of account opening. I opened a second case and now they are telling me I don't qualify because the checking account was closed. I wasn't provided any notifications, emails, phone calls, letters in the mail, or anything regarding my checking account being closed or in bad standing. 

Banking support was a pain to work with. I was hung up on after waiting 30 minutes on hold to get some support about this issue. I took to the messaging system which would just not work at all on some days. Unfortunately, it was a bad experience overall and a waste of time.
Product: Checking or savings account

I have tried XXXX different times, twice in person, to close out these accounts since my bank was purchased by PNC and is a mess. PNC has failed to close my empty accounts in an effort to levy fees and continue to earn off these accounts. I dont use them, I dont need them and I have transferred all my money to a real bank. I need these accounts closed. I went in person in XXXX and XXXX and they have failed to still close the accounts and will start charging me for insufficient funds.
Product: Mortgage

Complaint about promised " new '' revised Line of Credit 10 year loan. Monthly payments and scheduling was promised last year in Summer. My 15-year LOC expired last XXXX and a new 10-year Line of Credit was to rewritten with forwarded new monthly payments by end of summer 2020. I was receiving monthly collection letters starting in XX/XX/2020 with no monthly promised payment plan. My monthly statement in XXXX said I owed apprx. {$3900.00} in back pay with no explanation for amount. I have tried to contact local and corporate management on the issue with no success. Today, I still have no monthly statements for payment so I haven't paid anything. I have spoken to at least 60 people from US Bank who have avoided the issue and not helped me gain a monthly payment plan. Today I am receiving a monthly statement that has escrowed to over {$11000.00}. that they say I owe. I still have no monthly payment plan online ( my account ) with explanation on Principal and Interest per month owed. I have met or spoke to may names ( which I have documented ) since XX/XX/2020 that have not solved this neglected issue and made several promised statements to get back to me and solve this ongoing escalating problem. I could have been making payments since last XXXX if I had a payment plan that was promised last summer. I started a new position last XXXX and could have been on board making payments if US Bank followed up with what several managers and VP 's promised. 

I need to get this resolved ASAP,,,,, this is ridiculous and has gone on way to long. 
I have the billings and names of correspondence that have made promises and never solved anything or avoided getting back to me. 

My credit rating also has suffered because their neglect to solve this major issue. 
Poor Customer service from bottom to top of management chain.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is in WILLFUL violation under the FCRA 15 USC 1681e COMPLIANCE AND PROCEDURE aswell as under 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS. There is no LAW that requires TRANSUNION to furnish TRANSACTIONAL INFORMATION BUT there is a LAW that DEMANDS TRANSUNION TO NOT REPORT TRANSACTIONAL INFORMATION under 15 USC 1681a ( 1 ) ( 2 ) - EXCLUSION. Besides that fact TRANSUNION has been directed to perform their Fiduciary duties to exercise their GRAVE DUITES under CONGRESS LAW and perform under 15 USC 1681a ( 1 ) ( 2 ) and remove the requested accounts from my consumer report. TRANSUNION has decided to act on its own agenda and conduct itself in BAD FAITH in refuses to perform under the FCRA. TRANSUNION has instead claims they conducted a RE-investigation and has verified the alleged accounts. I DEMAND TRANSUNION under 15 USC 1681e PROVIDE ME THE EXCAT PROCEDURE IT TOOK TO VERIFY THE ALLEGED ACCOUNTS AND THE PROCEDURE IT TOOK TO MAKE SURE THESE ACCOUNTS ARE 100 % ACCURATE with names and addresses of those personally interviewed as it is defined under the term investigative consumer report. TRANSUNION has also decided to commit FRAUD against me the consumer by reporting accounts that have been CHARGED OFF and WRITTEN OFF. These types of accounts are fraudulant to report and can cause massive harm to a consumer as RULED BY COURT CASE LAW -Mund v. Transunion Persinger v. Sw. Credit Sys.. TRANSUNION is not only in willful violation under the FCRA but are also under violation under FEDERAL COURT RULING.
Product: Credit reporting

Equifax refuses to report and remove foreclosure correctly. My original loan through XXXX XXXX went into foreclosure. The loan was sold/transferred to XXXX. Where the foreclosure was finalized. The XXXX XXXX is due to fall off my reports as a foreclosure XXXX 2016. Equifax states they will continue to report XXXX account, even though it is the same loan and same foreclosure. I just want the XXXX account to be treated as the XXXX XXXX and be removed by XXXX 2016, 7 years from the first payment delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

A LETTER TO HAVE THESE INACCURATE INQUIRIES WAS SENT TO XXXX, XXXX AND XXXX ON XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I have been disputing this information for a long time. I reached out to XXXX and they said they have no knowledge. I reached out to the court that is on the credit file and they said they have no knowledge of any cases with my name or maiden name. They also stated they do not report any information to anyone.

To whom it may concern : I am writing you with this formal objection of information published and provided by you to Transunion, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2. 
Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record.

Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO reporting standards. 
Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible accuracy and a maximum " possible '' completeness, which extends Ito the reporting mandates that there be no deviation from METRO Format compliance since, per the XXXX, XXXX XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX/XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX/XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/2019 that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to XXXX or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.