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

*Subject : ** Urgent Complaint Regarding TransUnion 's Gross Negligence and Failure to Correct Credit Reporting Errors **Dear CFPB, ** I am writing to file a **formal and urgent complaint** against **TransUnion** for their **blatant disregard** of my rights under the **Fair Credit Reporting Act ( FCRA ) ** and their failure to correct significant errors on my credit report. Despite **multiple attempts** to resolve this issue directly with TransUnion, including sending a formal dispute letter, they have **failed to take any meaningful action**, causing severe harm to my creditworthiness and financial. 

# # # The issues that need immediate resolution are as follows : XXXX. XXXX XXXX Account # XXXX : - This account was **incorrectly reported** and must be **reinstated** on my credit report. Ive already provided all the necessary documentation, including a **dispute letter**, yet **TransUnion continues to ignore** my requests to correct this error. Their failure to act is not only frustrating but a **blatant violation** of my consumer rights. 

XXXX. **XXXX  XXXX Account # XXXX : - This account, which was **opened on XXXX, was erroneously reported and must be **removed immediately** from my credit report. Despite several disputes and providing supporting documentation, including an **FTC affidavit**, TransUnion has **ignored my complaints** and failed to remove the account as requested. 

# # # Timeline of Events : - On [ XX/XX/XXXX ], I first noticed these errors on my credit report and promptly disputed them through XXXX system. 
- On [ XX/XX/XXXX ], I submitted **additional documentation**, including a **dispute letter** and my FTC affidavit, to substantiate my claims. However, **TransUnion failed to address or correct the issues**. 
- On [ XXXX ], I **followed up** again with TransUnion, but they have continued to **stall, ignore my communications, and fail to act** on the provided information. 

Previous CFPB complaint # XXXX FTC affidavit # XXXX I have been patient, but this situation is completely **unacceptable**. TransUnions **continued negligence** is directly damaging my credit score and financial opportunities. Their repeated failure to investigate properly, refusal to correct the errors, and outright **disregard for the law** is a clear violation of consumer protection laws, including the **FCRA**. TransUnion has had more than enough time** to resolve these issues. Their continuous failure to do so is **completely unacceptable**. This situation has gone on long enough, and I demand immediate resolution. If these matters are not resolved within the timeframe provided, I will take all necessary steps, including legal action, to ensure that **TransUnion is held fully accountable** for their actions. 

Thank you for your immediate attention to this matter. I expect confirmation of the resolution of this issue, along with updates on the corrective actions taken, within the next **15 days**. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, Tx XXXX ] [ XXXX ] [ SSN XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

On multiple occasions I have disputed incorrectly reported in formation on my credit all for the credit bureau to still report these disputes on my credit I have asked them to provided me with information and I have not receive anything other them telling me that the information is reported accurately. 

XX/XX/year> Report Number XXXX Reported XXXX XXXX XXXXXXXX credit card that was not mine and incorrectly reported on my credit which still remains also under same report I reported XXXX XXXX that was paid off that should have been removed from my credit witch is still being reported I have disputed both of these items multiple times with no result or resolution.
Product: Vehicle loan or lease

On XX/XX/2018 in the amount of {$420.00} my auto loan payment was due. I called the Auto loan company and they agreed that I could pay past the 30 days and as long as it was paid before 45 days it wouldnt be reported as a late payment. I tried to reach the creditor and credit bureaus but no resolution was met. It still reflects on my credit score as 30 days late.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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

My social security number isn't showing up on my credit report. Mine ends in XXXX. 
One that ends in XXXX shows up. 
Bank loans, auto loans, mortgage loan, property in XXXX XXXX CA, a name XXXX XXXX, my ex Sister in law, a XXXX XXXX I can't even access it because I can't answer the questions
Product: Mortgage

I went to pay my payment for my line of credit mortgage loan. I talked to the teller and XXXX XXXX, branch manager. They were not able to give me any details of my payment that I was paying. XXXX said that he only can see that I owe {$380.00}. I asked about my right to see details. All he can see the amount due, He also said that I have to pay late fees to remain current. No other information is available at the branch. 
This is so upsetting that one can not see what we are paying on. XXXX said that I have to reaffirm the account in order to see anything. He did offer a amort schedule, but have to order and it takes XXXX days to get it. How can one see what they are paying on. 
Earlier I called the XXXX. no one can see the account under my ssn but I had to have the accout number of XXXX. They were not able to help me to get information since this is a bankrupt acct and must reaffirm inoder to see or get help. 
This is just absolute loan fraud, discrimmination and mistreatment of customer. How can I see what I am paying. I told XXXX that I am getting screwed by US Bank since I am not see details. XXXX and his branch is totally powerless to help, all they do is take money. Customer service ca n't help either. US bank needs to investigated for loan payment practices, change terms, amounts of how they can charge. I am not able to get any information of the loan amount changes, rate and terms. One may have to default since this is viewed as loan fraud. Please investigate US Bank.
Product: Debt collection

Credit Acceptance Corporation added and Auto debt to my credit report report as a collection in the Amount of {$6000.00}. I have no knowledge/responsibility of this account and never received any letters/statements detailing charges or phone calls. In XXXX of XXXX Credit Acceptance Corporation changed the account status from a closed collection account to an open account status and changed the payment information after I disputed not having any knowledge of the account and attempted to verify the debt. They started reporting late payments every month from XX/XX/XXXX. The payment histories they added have drastic differences between each of the credit bureau reports when I have never paid on the account. I sent them a final demand letter on XX/XX/XXXX to send me information to verify the debt. They will not respond to my request.
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. 
Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number XXXX XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX, Account name XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have t

he 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 convi
ctions 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Mortgage

We can call and get no call back, they aren't willing to work with us. My husband who's is the veteran had to have XXXX XXXX XXXX XXXX last year and in XXXX we found out I have XXXX  XXXX XXXX XXXX and had to have XXXX in XXXX and now have to go through XXXX.
Product: Credit reporting or other personal consumer reports

Credit reports, old and fraudulent addresses and names not removed as stated
Product: Checking or savings account

I've been wrongfully charge multiple overdraft fees that I shouldn't have been charged. They then closed account even though I have direct deposit doing into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Account as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurate information as of XXXX. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX  XXXX XXXX. They did not provide me with the original contract as I requested. According to the FCRA it is illegal to report a debt & late payment on a debt that has no contractual agreement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your intervention in resolving a prolonged and frustrating issue with Chrysler Capital regarding their failure to provide the lien release letter for my Jeep. I paid off my loan in full in XX/XX/year>, but despite nearly a year of constant communication and assurances, Chrysler Capital has yet to deliver the lien release letter I need to clear my title through the XXXX XXXX XXXX XXXX 

Since XXXX, I have contacted Chrysler Capital weekly. Every time, their representatives promise the lien release letter will be sent and ask me to wait another week. Yet, nothing has been deliveredneither to my email nor my physical address. Each call results in new promises, but no action is taken. I have been misled repeatedly, and their inaction has made it impossible for me to sell my vehicle. 

This delay has caused significant financial and emotional stress. The lien release letter is a crucial document that Chrysler Capital is legally obligated to provide, yet their continued failure to do so has left me with no option but to seek your immediate assistance.

I am requesting the CFPB to take urgent action to ensure Chrysler Capital delivers the lien release letter without further delay. I have proof of payment, records of my phone calls with them, and prior correspondence, all of which I am prepared to submit to support this complaint.

This issue has persisted for far too long, and their inaction is unjustifiable. I need this matter resolved immediately so I can clear my title and move forward.

Thank you for your time and attention. Please let me know if additional documentation is needed to assist in expediting this process. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX car loan account that was paid off in 2021. I've had a few late payments in XXXX problem is that the closing dates and last payment dates are incorrect. I haven't missed a payment since. This error on my report is affecting my account negatively.
Product: Vehicle loan or lease

I previously had conversation with an XXXX from Chase Auto, and I was told that I could have the issue of being wrongly charged taxes on my lease with the XXXX tax jurisdiction. I physically went to the office, and they redirected me back to Chase Auto. The representative from the XXXX XXXX XXXX expressed that Chase Auto would have to resolve this matter on my behalf, as I did not pay taxes to them directly. All of this took place in XXXX, and it is now XXXX. I have not had a resolution. I specifically explained to Chase Auto at the end of my lease that my lease purchase packet was incorrect. Property taxes were charged to me, yet they had the personal property tax line reading {$0.00}. Chase Auto refused to correct it. Now, they refuse to present my case to the XXXX jurisdiction off the strength of a letter mailed in XXXX, when we were in a national pandemic and the mail system was receiving a lot of bad publicity with losing mail at this time. I also moved, and have no confidence that they mailed it to the correct address. There's a secure message center on the Chase app. They did not contact me via this app to alert me. The Chase app would have been a more direct form of communication where it would not be lost and this confusion could have been avoided but they did not concern themselves with how to effectively communicate with their client. I never paid property taxes on a lease before, and was first made aware in XX/XX/XXXX. I was incorrectly informed when I first inquired about the tax charges, that submitting the affidavit before the end of my lease in XXXX would allow me to be refunded. Most recently they acknowledged that they received the affidavit and that it will be applied moving forward in the years to come, BLATANTLY disregarding that I no longer have a lease with them and never will again. I would like my refund, as ONE letter to encompass all the years of a lease is ridiculous, especially during a year where the federal mail system was known to lose correspondence! This is $ XXXX that was taken from me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint againstCash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate customer financial protection act. Specifically. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, their dispute Resolution process was unfair and deceptive, as they did not comply with error resolution require requirements under the electric fund transfer transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I am a victim of Identity Theft, my name was used to open a XXXX account and XXXX cable account. I contacted both companies, disputed the accounts, both creditors provided me with letters stating they acknowledge the accounts were fraudulent and would notify the bureaus to remove the inquiries. On XX/XX/XXXX I mailed a certified letter, tracking number XXXX, including my police report, DL and proof of address advising Equifax to remove this. Equifax failed to remove the inquiry. On XX/XX/XXXX, I again disputed the XXXX and a XXXX inquiry off my report and Equifax again stated the inquiry is factual and told me to call the creditor. I already included copies of a letter from XXXX clearing me of the debt in XXXX and a letter from XXXX XX/XX/XXXX showing I contacted the creditor, yet am being told to contact the creditor. 

Equifax is failing to complete an investigation timely and accurately, they are impacting my credit rating and reporting items that are fraudulent to my files.
Product: Debt collection

around XXXX I have received a bill and a collection from from XXXX saying that I owe them about {$3600.00} and I never opened this phone line ever. what was open 2 phone lines and 2 tablets and XXXX barely helped to resolve and now im lost but i went to the local police office and that wasn't much help either they just told me to file a complaint on CFPB and I did that and I waited nothing happened but I got a collections letter in the mail trying to collect the XXXX bill but I don't know what to do after a while it hit my credit profile as Collections and I contacted XXXX and they are actively helping me right placing a fraud alert on my profile
Product: Debt collection

I was contacted by a company named XXXX XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of XXXX XXXX to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.
Product: Credit card or prepaid card

I was on a website the other night looking at information for a credit card from an ad that was supposed to be a " pre-approval ''. Once I realized that the company was going to do a hard pull on my credit report I backed out of the application. Some time later I received an email stating that I had a new inquiry on my credit report. 

Once I contacted the company directly from the information provided on my credit report ( XXXX/XXXX  XXXX, DE XXXX ( XXXX ) XXXX ), they claim that they can not remove the inquiry from my credit without stating it as " fraud ''. The rep I spoke to states that her supervisor informed her that they will have to investigate which will take up to 30 days but can not guarantee the inquiry will be removed. Again, I explained to her that I not someone else backed out of the application, that there should not have been an inquiry in the first place. 

The rep became short and advised " I just have to wait '' to see what her supervisor decides. If it was not " fraud '' then it has to stay on my credit. Further in conversation I again advised the rep that the application should have been deleted and not processed since I backed out of it. She informed that there was nothing else that could be done. This is unacceptable, since I backed out of the application before hitting the submit button. I 'd like to see this inquiry removed from my credit report expeditiously.
Product: Bank account or service

I receive my social security pension funds through Direct Express debitcard. They deactivated my card about the XXXX of XXXX. They said thatthere was suspicious activity, however, I can not see anything suspicious on myon my XXXX statement. I have contacted them numerous times and havecomplied with their requests for proof of identification. After severaltries, they now say that they have not received my last fax. I haveconfirmation that have received my fax. 
andnow I must start over with new faxes