23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After many attempts to resolve these issues directly with TransUnion to no avail, I have no other choice, but to file a formal complaint against them for their multiple violations of the FCRA and my consumer rights. Please review the issues at hand outlined below : 1. TransUnion has consistently over the past several months pre-maturely deleted positive credit tradelines from my credit report reducing my credit score and minimizing my credit history to only 2 years which adversely affects my ability to borrow and/or build credit XXXX XXXXXXXX XXXX XXXX. While I understand that accounts can be removed after 10 years, many of these accounts were only 5-6 years old. 

2. There are multiple accounts that are reporting an incorrect last payment date which causes the negative accounts to report longer than 7 years which is allotted by law. Specifically, XXXX XXXX XXXX, which is reporting a last payment date of XX/XX/2018, 4 months after the vehicle was returned and the account was permanently closed. No such payment was made. TransUnion kept this stance for accounts that were included in bankruptcy, making the last payment date on every single account the date the bankruptcy was filed when many of those accounts received their last payment 2 years prior to the filing. This caused those accounts to report 2 years longer than they should have. 

3. There are closed and paid in full accounts that have a current pay status of " Account 120 days past due ''. XXXX XXXX XXXX {$40000.00} loan that is at a XXXX balance and has been since I sold the home it was attached to in XX/XX/2018, continues to report a status that just isn't possible. While the first mortgage with the same lender reports " Paid ; closed ''. This gives the impression to other creditors that I have a mortgage that is currently 120 days past due. I do not. XXXX XXXX states that they are NOT reporting the account this way and XXXX is reporting this on their own accord. Despite their efforts to correct this and mine, I am still being asked to send in additional documentation. This account has been in violation for YEARS. I am done sending in additional documentation especially when you could not ever be 120 days past due on an account that is closed and paid off.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. These late payments are dramatically hurting my credit score.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, all information furnished to credit reporting agencies must be complete and accurate. I formally request that you : Provide proper verification of the late payments, including the original creditors documentation confirming these delinquencies ' accuracy and reporting dates. 
If you are unable to verify this information with proper documentation as required by federal law, I request the immediate removal of all late payment notations from my credit reports with all reporting agencies. 

Additionally, I would like to point out my commitment to maintaining a positive credit history. Aside from these isolated late payments, my account has been managed responsibly. Given this, I am also kindly requesting, as a gesture of goodwill, that these late payments be removed. Such an adjustment would better reflect my overall payment history and allow me to continue building a strong financial profile. 

I am also providing proof of all inaccuracies on my credit report and how each bureau shows different information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account open from XXXX XXXX in my name which i never opened and i would like deleted from my consumer report and to stop being reported to XXXX The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.
Product: Credit card

My GAP credit card from Synchrony Bank, was closed by the bank because of non activity. When called to find out why they have done without prior notice the response was it was there in the fine prints in the card agreement. My card is valid till XX/XX/2015. My concern is if some is not using the card this is not a reason to close it. Secondly at least I should have got XXXX prior notice that also not happened. So the bank should have give the card for 24 months if that is the validity. By providing more validity time period they are misguiding the customer. And the customer like me are getting impacted in the credit history. Unlike other card this has this unique feature. So I want people to be aware of this bank card.
Product: Debt collection

I pay XXXX XXXX for my old Walmart account in the amount of {$400.00} on XX/XX/2018 they reported to my credit bureau that I only made a payment of {$400.00} towards my debt when I called and spoke with the manager she assured me that they were going to correct this matter she also email me a settlement letter stating I paid this off now today on my credit report it has went down tremendously 21 points stating that I still owe the debt for the full {$780.00} so it has stated that my debt has increased by {$400.00} by this company when I call back today to speak with someone they tell me that my account has been transferred to the dispute department and that's who places on my credit report and it's nothing I can do about it even though I paid this I'm trying to purchase a home in this is really hendering my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue was acknowledged Spring XXXX. I realized two paid in full loans from XXXX were no longer reported on Equifax credit report. I contacted Equifax and was told creditor needed to resubmit information, it couldn't come from me. I then contacted creditor and advised of issue with credit report. The creditor faxed information to Equifax and mailed loan information to me. I then faxed information provided to Equifax. I was told by Equifax if the information was previously reported, there was nothing that could be done after following instructions to fax information provided by Equifax & creditor. 
There was a constant back and forth between me contacting creditor ( XXXX XXXX XXXX in NC ) and Equifax to get this issue corrected, for this is a major part of my credit report and history. I was then informed by representative at Equifax that it takes a couple days for them to review faxed information and to give it some time to reflect on my credit report. After reviewing recent credit report the issue still remain, nothing is updated thus far regarding loan information. I then contacted representative at XXXX XXXX XXXX who submitted information in XXXX. She refaxed information to Equifax and mailed me another copy which I faxed to Equifax as well. I submitted complaint and chatted with live representative I was emailed case number XXXX. Please assist with prompt action regarding information provided for this issue affects overall life.
Product: Checking or savings account

On XX/XX/2023 there was an unauthorized wire transfer of {$14000.00} out of my checking account. It was sent to XXXX XXXX XXXX out of North Dakota. On XX/XX/XXXX, I noticed not only that wire transfer, but XXXX transfer from my savings account to my checking account. XXXX for {$6500.00}, and another for {$7500.00}. And yet another wife transfer of {$14000.00} being processed. I called Chase immediately they instructed me on how to attempt to stop the wire. They opened up a secondary checking and savings account and moved the little remaining balances I had. So now, in 2 days I have a total of {$28000.00} missing out of my accounts. Chase told me theyd attempt to reach the receiving bank to have the wire transfers reversed. They then told me to wait XXXX business days. On XX/XX/XXXX I received a notice that they concluded that I benefited from the transfer, or I authorized it. I clearly did not do either. There is no mention of trying to reach the receiving bank and being unsuccessful. This leads me to believe there was in fact no attempt made. In addition, they charged me {$25.00} per wire transaction. My account is set up for fraud alerts, I received no phone calls or text messages when this was happening. The activity on my account was clearly out of the norm and should have been flagged. Im a XXXX veteran, and Ive worked very hard for my money and now its just gone. I hope whoever reads this, acknowledges that there needs to be better protections in place for consumers. I have attached the account transactions that show the wire transfer numbers. XXXX of the transactions states reversal of unauthorized wire transfer. I have also enclosed the person and banking info the wire went to.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX CHIME which is banked by XXXX XXXXXXXX XXXX  XXXX Allowed someone to access to my account and take {$6800.00} from my account by linking another account to mines which was XXXX XXXX XXXXXXXX ( MI ) I have giving them all the information I have which included the ending of that account number screenshots and police report and filed a dispute. On XX/XX/XXXX they denied my dispute with no reason to inform me. I have called and called and no one has sent over anything nor has tried to help me figure out where my money has went. CHIME is giving me the run around and I would really like for someone to help me receive my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX are all inquiries that I did not and never authorized to run my credit, I have not asked for them to be run my credit and have no business with them. XXXX XXXX XXXX has a collection on my credit report and I have no business, nor have Fraudulent Collection Accounts : The following collection accounts have been inaccurately attributed to me and do not belong to me : XXXX XXXX XXXX Account Number : XXXX Balance : {$460.00} XXXX  XXXX Account Numbers : XXXX and XXXX Balances : {$810.00} and {$210.00} The CRAs failure to remove these unauthorized inquiries and fraudulent accounts, despite my disputes, constitutes a violation of the FCRA Legal Violations : Failure to Ensure Maximum Possible Accuracy ( FCRA, 15 U.S.C. 1681e ( b ) ) : The CRAs are obligated to maintain accurate information on consumer reports. Reporting unauthorized inquiries and fraudulent collection accounts is a direct violation of this requirement.

Failure to Conduct a Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ( a ) ) : Ive asked numerous times to remove any address from my Credit report thats only has my ID and Bill addressed that has not been removed. Upon receiving my disputes, the CRAs were required to conduct a reasonable investigation into these items. Instead, they claimed the information was verified without providing supporting documentation or details of their investigation. 
Unauthorized Inquiries ( FCRA, 15 U.S.C. 1681b ) : A credit inquiry must have a permissible purpose. The above-listed inquiries were made without my authorization, and the CRAs have failed to validate their legitimacy.

Impact on Me : These unauthorized inquiries and fraudulent collections have caused significant harm, including : A decline in my credit score.

Denied access to credit opportunities.

Reputational damage as a consumer. 
Emotional distress due to financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting public records as " verified and accurate '' on my credit report saying they obtained information and records were verified by a third party company " XXXX '' as of XX/XX/2021 but XXXX sent a letter of not being able to vwrify these records as of XX/XX/2021 these records have been deleted from my XXXX report. so your company is completely lieing about the information being verified and accuratre according to XXXX! The letter from XXXX clearly says the bankrupticies have been removed from my report. I am demanding these records be removed from your company ASAP.
Product: Credit reporting or other personal consumer reports

This is a notice to file a statement of claim against your company due to reinsertion of an account that was previously deleted. I sent your company a letter disputing the following account FEB DESTINY XXXX, where you stated that the item had been deleted; was not reporting ; no longer existed. After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. This is not the case because this account was closed last in XXXX. You are now reporting that this account was late in XXXX when this account was closed. The account that your reinserted also has a different balance and date of last activity being reported. How is this so? I am requesting all documentation proving the certification of accuracy. The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. I am willing to give you more time to furnish this information to me before I pursue suing against your company for the above mentioned FCRA violation. Please forward the name, address, and telephone number if available of the furnishers of the information confirming its accuracy. Documentation stating that the item has been reinserted and the date of reinsertion. I am furthermore requesting documentation of the reinvestigation process performed when this item had been deleted. In accordance with the FCRA, I expect to receive the requested documentation within 15 days of receipt. The reinserted account is listed below : FEB DESTINYXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform that there is no third party involved in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$820.00}
Product: Debt collection

I provided a sign on bonus for employment and was told that leaving within a year I have to pay it back depending on when, my offer letter did not state anything about paying the bonus back in full. I left the company after 9 months because the culture and organization is terrible. During my exit no one even mentioned anything about the signing bonus being repaid. I then received a letter from the M & T Bank collections group demanding that I pay the amount back and when I called, XXXX XXXX who I spoke to, was rude and not willingly to negotiate, which I was willing to do.
Product: Credit card or prepaid card

This company never answers my calls they leave me on a silent hold or hang up, I called to dispute a charge from XXXX due to the fact that XXXX never provided me with the services then deleted my account when I didnt even do anything which could have had them delete my account, I read all the terms throughly. I want my debt paid for and me not having to pay them back at all for any money, I can never get ahold of them and even if you all fix this problem they will continue to do it, I want the debt paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEWARE!!! I purchased a car from XXXX XXXX XXXX XXXX ( XXXX IL ) in XXXX to start building my credit. But it has done everything but build my credit. Initially when I got the car they was reporting to 2 major credit bureaus now they only report to transunion that was the beginning of the nightmare. Fast fwd to XXXX I found that the company had NOT reported my ON TIME payments to transunion. When I reached out to them they got very upset and didnt take my concerns seriously. I disputed the inaccurate information with transunion it was updated after 6 months of going back and forth having to prove my self. Fast fwd to Mid XXXX the pandemic hit I was effected by it and my job had dropped me down to part time/ the company humiliated me by making me submit that information just to reduce my car payment from {$230.00} bi-Wkly to {$130.00} a few months ago I was completely let go and couldnt go back to work do to personal injuries on top of Covid I still remained paying the agreement payment plan we made which was XXXX but when I noticed that hadnt been reporting to the credit bureau again for the SECOND time I reached out to the company they got very upset again they ignored numerous emails/calls. I have all my paper trial. When I disputed it with transunion and the XXXX they got furious and updated my credit report saying Im delinquent which wasnt the agreement they was supposedly helping customers effected by Covid which I still currently am. Not only is it cruel to do this to a customer whos trying to stay honest I was jus trying to get my credit report updated because I take my credit serious I pay my bills on time. Its funny the company responded the same day when I reached out to the XXXX but never responded to personal emails or phone calls? And now all of a sudden because Im reporting your negligence they want to say Im behind on my note and its now effecting my credit score and worthiness which is negatively effecting my family I have XXXX small children and trying to make a living. I would like them to completely remove the account from my credit report. If I was behind on payment what company lets you owe over XXXX in back pay!? Why wasnt the alleged past due balance reported last year? Its clear your company is making false allegations because a customer does their research and found out youve been taking payments on a car thats wrote off and not reporting to the credit agency accurately! I still havent received a phone call from them! Horrible customer service. Zero benefits and on top of it they charged 3x the amount they should be allowed to! Their loan sharks taking advantage of tax paying citizens! I wouldnt recommend this car if you was XXXX standing in a blizzard
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My credit reports states there are XXXX missed payments on this account. 

I am directing you to remove ALL late payments on this account and update my credit report to paid as agreed pursuant to Federal Law under the Heroes Act. 

The Heroes Act states ; Negative consumer credit reporting during the XXXX pandemic is SUSPENDED. PLUS an additional 120 days. 
The XXXX XXXX pandemic was declared over on XX/XX/2023. 
120 days from XX/XX/2023, is XX/XX/2023. 

The Heroes Act also declares that adverse information is prevented from being added to consumer credit reports TO PREVENT ruining credit scores. These XXXX late payments injured my report and must be removed. 

Also, Credit score furnishers are prohibited from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the XXXX pandemic. 

Additionally, this account is paid up to date. 

Thank you. 

Attached you will find the following ; XXXX. HEROES ACT XXXX. Image from CDC.gov declaring XX/XX/2023 as end of XXXX XXXX Pandemic XXXX. Image proving XX/XX/2023 as 120 days from XX/XX/2023.
Product: Checking or savings account

On XX/XX/XXXX I was notified that Wells Fargo had closed XXXX of our savings accounts without any prior notice. The account was closed XX/XX/XXXX. After a number of calls with various Wells Fargo customer service people, I was finally told that the company had made a decision to close the account due to inactivity over the past 60-90 days. I have several other savings accounts with Wells Fargo that have not had activity for more than a year, yet those accounts remain open still. If there is a policy that governs this action, it is not being applied equally. Second, I was told that the account did not have the minimum balance required. When we opened the account there was no minimum balance requirement. The customer service agent acknowledged that this updated policy occurred in XX/XX/XXXX. No notification was sent to us regarding this change in policy ; we have XXXX other Wells Fargo accounts and have not received any notice of updated policy for any of these other accounts either. Between closing our account without notice and changing policy regarding an account 's minimum balance requirements without notice, we find this activity to be in breach of their agreement with us. I also believe this to be illegal activity for which Wells Fargo has already been investigated by the Federal government ( XXXX ) and the Consumer Financial Protection Bureau. In order to resolve this issue, Wells Fargo has asked that I take my time to speak with a local branch to see about having a new account opened ( they can not re-open an account once closed, per their policy ). I have no interest in spending my time to resolve an issue they created. I will be moving my XXXX remaining accounts to a new bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, Company Inquiries : 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