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

I am filing a formal complaint against TransUnion for their failure to adequately respond to a dispute letter that I mailed on XX/XX/XXXXvia USPS certified mail, tracking number # XXXX. In my dispute letter, I requested an investigation into inaccurate items on my credit report, including entries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference Number : XXXX, and Bankruptcy Reference Number : XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To aid TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing the dispute letter and providing necessary documentation, I received a response from TransUnion, dated XX/XX/XXXX indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response demonstrates a failure on TransUnion 's part to recognize the legitimacy of my dispute and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is clear that TransUnion has failed to fulfill this obligation, thereby infringing upon my consumer rights. 

Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with USPS certified mail proof of delivery and TransUnions response, serving as evidence of my efforts to rectify inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address listed with personal information on my report. The incorrect address is  XXXX   XXXX   XXXX
Product: Debt collection

I was informed that the statement they sent was the third but I only received that one dated XXXX XXXX, on XXXX XXXX, XXXX. 
I called and explained to the person I spoke that I already paid Timeshare maintenance fee online to XXXX XXXX website and was not aware of a separate payment for tax. 
I informed them that I can afford to pay the {$120.00} tax but not the interest and additional fee for a total of {$160.00}. They refused and informed me that it is not negotiable.
I feel that it is unfair that a bill for {$120.00} was referred to a collection agency when I already paid the balance we owe online. I am not aware of the {$120.00} since no bill came to my address. There is another same street number in this subdivision and if they said it was mailed, then it 's possible that it went to another address. Therefore, I feel like I am not responsible to pay any interest nor the fee.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a credit dispute letter to Experian requesting to update my credit report by removing incorrect information from my credit report. The company responded on XX/XX/XXXX by stating that it wasn't me who requested this information. This is not true. I attached documentation showing that all information was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts XXXX XXXX XXXX XXXXXXXX Bank of America XXXX XXXX XXXX services But on my report they show only XXXX accounts and that 's the reason my score went low
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent my very first letter to the credit bureaus concerning this account ( XXXX XXXX ). XXXX XXXX is reporting inaccurate information on my report. The past due amount, date of last active, and the date of last payment are all incorrect. I have made an attempt to send a letter every month since and I have not received a response. No verification, validation, or investigation has taken place. This is a violation. I have been patient and given plenty of time to return a response. As of today, XX/XX/2021, I have received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received notification from XXXX XXXX about up date and changes to on my credit report. On the updated TransUnion credit report, TransUnion removed an active up today account which is my XXXX XXXX account. TransUnion stated to me " that account was disputed on XX/XX/2019 and asked to be removed. '' Will this is a complete lie I called and ask for the amount on the account to be updated.I call them on the morning hours of Monday XX/XX/2019 around XXXX XXXX I called about adding XXXX XXXX account back on my husband credit report customer service had to transfer me to fraud department because my husband fraud alart placed on his account about 15 years ago.I was as the called progressed the conversation became heated between the agent and myself. We went at it for 50 minutes so I truly believe the agents at TransUnion removed XXXX XXXX from my account because of the dispute between him and I. TransUnion refuses to look at the entire account and statements made on XXXX the XXXX as well as the recorded conversation. TransUnion agents tried to tell me myself or XXXX XXXX " had the account remove. '' This is a complete lie this account was removed without my or XXXX XXXX 's acknowledgment or permission.
Product: Credit reporting

Equifax continually deletes XXXX then re inserts the information, purposely damaging my credit score causing financial hardships.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer- generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SERVICES XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYEMENTSTO PAID ON TIME Thank you for your attention `to this matter sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Tried twice to open account online ; bank bounced it " for further review by an accou nt specialist '' bo th times.
Product: Credit card or prepaid card

I use the app Cashapp which is linked to a card. I have attempted to contact the company on two separate occasions regarding offers they list to entice people to make purchases. The first offer was on XX/XX/XXXX for a purchase of {$19.00} and was supposed to apply a 'boost ' for 75 % off. It didn't go through and they said there was nothing I could do. 
On XX/XX/XXXX I made a purchase using a discord boost to give99 % off one purchase with a total discount of up to XXXX XXXX I made a XXXX purchase and it took the full amount, so I contacted customer support. Customer support has informed me that I need to file a complaint by pressing the three dots on the program screen and mark that my boost wasn't applied [ which it was ]. There is no option to do this and since it's not an available option there is 'nothing that can be done. ' I have searched the web for this issue and it has been ongoing for months with this app. 
https : XXXX People are complaining about them not applying the boosts and customer support not doing anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Credit Bureaus have done nothing to remove the disputed items from my Credit Report despite the multiple dispute letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal documents. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft. However, I see here that the Credit Reporting Agencies seem to not care about the said FCRA regulation that protects a consumer 's rights. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following disputed items completely from my Credit Report. If the Credit Bureaus insist that that the dispute items belong to me, I will require the Credit Bureaus to provide me copies of documents bearing my signature to prove the Credit Bureaus claims that the disputed items really does belong to me. Please remove the following fraudulent items completely from my Credit report ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance Owed : {$23.00}
Product: Debt collection

XXXX XXXX XXXX called a family member attempting to contact me regarding a a supposed debt which has been settled well over 10 years ago. This company scared my mother in law who happens to live close to me who frantically brought me the contact information. She is old and had no idea what was going on. 
I have not received a notice whatsoever regarding this company nor any correspondence whatsoever only this phone call. I told them not to call my family again. They claim to represent XXXX. 
I also filed a lawsuit against this company they claim to represent for making several violations according to the CFPB. XXXX XXXX XXXX has a BBB rating of F and has so many complaints against them currently its scary. 
I have zero information other than a phone number of XXXX and a person named XXXX. 
Long gone are the days of scare tactics, threats, and insinuations to others to scare information from someone to collect a debt. This company is in violation of every debt collection practice law its unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in XXXX   Louisiana. XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$28.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

CHILD SUPP Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$130000.00}. 

I couldn't apply for home loan due to this negative items on my credit report.
Product: Debt collection

Prestige Financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, phone number XXXX, alleges that XXXX XXXX owes {$23000.00} for an auto loan. Opened XX/XX/XXXX. Prestige falsely alleges a payment from XXXX XXXX from XX/XX/XXXX. XXXX XXXX has never made any payments to Prestige. XXXX XXXX is XXXX, disabled, receiving SSI benefits and has never contracted or paid Prestige Financial any money at anytime.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - Date : XX/XX/year>. XXXX XXXX - Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

I was charged for a lease agreement when the lease was already voided and me and the company agreed that there will no charges because I didnt even move in.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under XXXX5 US Code 1681n
Product: Credit card or prepaid card

On XX/XX/2020, a payment was made in the amount of {$150.00} inadvertently as the amount intended was XXXX ... ..This was not recognized until noticed that a late payment 30 days+ for {$3.00} was reported on XX/XX/XXXX ( on which date a payment of {$150.00} was also made ) 2020 ... ... I am unable to submit to the company as they do not have 24 hour customer service, nor online mailing, but I have been a client for years, and a payment was made withing 30 days. I understand this was a keying error and not recognizing this at entry time ( I have poor eyesight, and thought the amount was actually XXXX due, and that the XXXX would have been more that what was due in any event ). I am asking that the Creditor please review my account, and consider removing the late payment reported to the credit bureaus for the amount of {$3.00}.
Product: Debt collection

They went out of business and they closed all of their stores without telling anybody. They transferred everything to Westlake. I was in the process of getting my money back because I found out through XXXX that all payments had been stopped. I paid for extended warranty through my car note. My car was at the XXXX place waiting to get a motor. XXXX was about to put a motor in. They told me all payments had been stopped. They said they had to stop replacing her motor because USAutosales did not give them the money. I sent the warranty company an email and was told USAutosales was not paying them for the extended warranty. They asked if I wanted another car or wanted my money back. I just told them I wanted the money back because I didn't want anything else to do with them. I was out of money from getting a rental car and getting the car towed and was told I would get that money back but I didn't. A couple of days ago, Westlake put a {$25000.00} car loan on my credit report. The lady I talked to yesterday told me I needed to send the email again five times. They fraudulently took my money and did not do what they were supposed to do. I do not owe this company they owe me. They have never contacted about repo of the car because they always knew I did not have the car and that I was owed my money back. This should nor be on my credit report this is fraud on Westlake and USAuto sales ; this company needs to remove this off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ha violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, Acct XXXX XXXX has violated my rights. 

604 15 USC 1681B 15 USC 1681 section 602 states I have the right to privacy.

15 USC 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. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open en
d consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This data reporting company has reported to credit bureaus and creditors false information without doing the investigation of anything they present this company should be shut down they are reporting information or debt with my former last names with debts that Im not associated with and havent been by the last names associated with these accounts in years