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

TransUnion did not complete a proper investigation or update the inaccuracies related to my student loans with XXXX. Despite providing substantial proof multiple times to support my claim, TransUnion has consistently failed to correct the incorrect reporting of my student loan payment history. I have also lodged several complaints with the CFBP documenting TransUnions negligence. This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing the results of TransUnions investigation, it is evident that no proper investigation was completed. This has resulted in no updates or corrections being made to my credit report, which continues to reflect incorrect information. The failure to update and correct my student loan payment history is not only frustrating but also damaging to my creditworthiness. TransUnions inadequate handling of my dispute is unacceptable and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted an investigation request to Experian. They were supposed to complete their investigations and respond within 30 days. Well over 30 days have passed, and I have yet to receive my response. I've even sent follow-up letters that have also gone ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a   bankruptcy showing on my credit report with Equifax. I filed a dispute on Sunday  XX/XX/XXXX  to have it removed. They show the investigation was completed on  XX/XX/XXXX  and they said they verified the correctness of what they were reporting through   XXXX   XXXX  . I contacted   XXXX   XXXX   about this and they did an investigation to check the validity of the bankruptcy and I received notice in XX/XX/XXXX that   XXXX   XXXX   had removed the bankruptcy from my national credit file with their company since they could not verify the bankruptcy. I then filed disputes on XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and all of these disputes were to get Equifax to remove the bankruptcy from my credit file since the third party company they use to verify the information had deleted the bankruptcy from my file with them. All of these disputes came back with the same response : The Results Of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor,   XXXX  
  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   GA   XXXX     XXXX   XXXX   XXXX   > > > We have reviewed the bankruptcy information. Case or ID #  XXXX  The results are : We have verified that this public record item is reporting correctly.
I find this kind of odd because I received a letter from   XXXX   XXXX   dated  XX/XX/XXXX  which was shows there was no bankruptcy on my file with them. My dispute with  Equifax  dated  XX/XX/XXXX  yielded the same response fro m Equifax a s all the other disputes. I then on  XX/XX/XXXX  filed another dispute with Equifax to have them remove the bankruptcy. I pulled my credit report from Equifax on  XX/XX/XXXX  and it shows the bankruptcy was still there but they had changed the updated date of reporting to XX/XX/XXXX . I called the Equifax automated system on XX/XX/XXXX and it stated that the investigation was completed on XX/XX/XXXX . Again I find this ridiculous that they did not remove it this time as I uploaded the letter from   XXXX   XXXX   that I received in  XX/XX/XXXX  stating that they had removed it from their records and I also upload the report that   XXXX   XXXX   sent me dated XX/XX/XXXX  showing that their were no bankruptcies listed on m  y credi t file with   XXXX   XXXX   ( company Equifax us  es to verify public records )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNTS : FIRST PREMIER XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX CRE XX/XX/XXXX THE BANK OF MISSOURI XX/XX/XXXX XXXX XXXX LOANS XX/XX/XXXX SPRING FIN SRVS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX SERVICES XXXX XXXX XXXX : ALLEY FIN XXXX XX/XX/XXXX XX/XX/XXXX XXXX CAP XXXX NA XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDO XXXX CREDIT REAL XXXX FIN XX/XX/XXXX EXETER FIN LLC/WG XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed false information on my credit report in XXXX and I finally heard back from Equifax with no result but they wanted me to send my ID and I have disputed these matters months ago. I requested removal of the inaccurate information on my credit report
Product: Debt collection

I learned of this old debt in XXXX of XXXX. I contacted the company handling the debt. I negotiated the amount down a little and I paid it off. I have a Release of Liability letter. In XXXX of XXXX another debt collection company levied my bank account, cleaned it out leaving a XXXX balance for the same exact debt that I had paid. They got a court order without notifying me. 

I have contacted them. They are rude and uncooperative. I asked them to put the money back. I submitted all my paperwork to them via email. Yesterday I received via certified mail, something that states that I have 10 days to respond otherwise all my funds will be permanently released to them. I contacted them and the bank prior and it is my understanding that the funds are currently being held. 

I can not afford a lawyer to fight this.
Product: Debt collection

I never had an account with XXXX, and I have been a victim of identity theft. This account needs to be deleted at once, since it is preventing me from purchasing a home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2023 XXXX TO WHOME IT MAY CONCERN : I HAVE RECENTLY BEEN INFORMED THAT THERE IS NEGATIVE INFORMATION REPORTED BY XXXX  XXXX, XXXX CARD IN THE FILE THAT YOU MAINTAIN UNDERR MY SOCIAL SECURITY NUMBER. UPON REVIEWING A COPY OF MY CREDIT REPORT, I SEE MY ENTRY LISTING XXXX XXXX I OWE {$10000.00} XXXX I OWE {$8000.00}. 
I CHALLENGE THE ACCURACY, COMPLIANCE AND REPEATABILITY OF THIS LISTING. 
PLEASE VALIDATE THIS 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 REQUEST THAT THIS INFORMATION BE IMMEDIATELY DELETED FROM MY CREDIT FILE AND MAINTAIN UNDER MY SOCIAL SECURITY NUMBER. 
PLEAE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 1 ) ( A ), AND I AM KEEPING CAREFUL RECORD OF YOUR ACTIONS INCLUDING YOUR METHOD OF VERIFICATION I DO NOT CONSENT TO E-OSCAR OR ANY MEANS OF AUTOMATED VERIFICATION. 
FAILURE TO REPOND SATISFACTORY WITHIN 30 DAYS OF RECEIPT OF THE CERTIFIED LETTER MAY RESUKT IN SMALL CLAIMS ACTION AGAINST YOUR COMPANY SEEKING {$1000.00} PER VIOLATION FOR 1. DEFAMTION 2.NEGLIENT ENABLEMENT OF IDENTITY FRUAD 3.VIOLATION OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am unable to get my free credit report from Equifax via XXXX I answered all identity security questions correctly and was denied access to my credit report. 
I had no problem getting my reports from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

My account withthose creditors 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 in those account 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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days 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: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, someone opened a Citibank/Home Depot account ( Citicards CBNA ). I did not open this account. Citibank claims I owe {$20000.00} on this account. I have no idea where it was opened or what was charged on the account. I have no account number. I filed a complaint with Identitytheft.gov,, and disputes with XXXX, XXXX  and XXXX. Citibank continues to claim this is my account. I have never been contacted by Citibank. I have tried to contact them, but that's impossible without an account number ; you get caught in an automated loop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian only CRA to persist false/inaccurate/misleading/unverifiable information for this account ; annotations relate to XXXX mishandling account by : 1 misapplying payments ; 2 ignoring billing error notifications ; and ultimatley failing to correct errors on the account before their system charged the account off. 

Payment history was found to be inaccurate and thus was removed. However, The CO annotations remain and do NOT correlate to any known period for which XXXX was found to have provided accurate/verifiable payment history. 

The bank may only charge-off a loan after a certain threshold in days late is reached. 

Since the CO annotations were the result of 1 ) and 2 ) above, for which prior payment history was removed because it was false, misleading, inaccurate, and unverifiable, the CO can not stand on their own in context To persist those annotations is to engage in unlawful, unfair, and abusive practices and misleads a potential creditor into believing the CO the result of my actions, rather than the inaction/negligence of the bank. 

A partial denial of remedy, ie. paying off the account balance in absence of removing the charge-off statuses for XX/XX/XXXX thru XX/XX/XXXX, does not fix the damage that has already been done to me as a consumer. 

The fact is I have been denied housing in part because of the CO annotations because those management companies believed it to be an indicator of not paying my bills : " excessive charge-offs. '' I am asking that Experian remove the CO annotations because the annotations are misleading and continue to cause me undue harm as a consumer.
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 rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : xxxx # #, Account Name : XXXX XXXX Account Number : XXXX 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. 

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 the information Any other adverse items of information, other than the records of convictions of crimes which antedate 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 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. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove 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... I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion Credit Bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope this disputed account is removed. 

XXXX XXXX XXXX  Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Debt collection

Convergent Outsourcing sent a collection notice and refuses to validate, got a name that is similar, hence its a fraudulent attempt to collect a debt now owed, furthermore on XX/XX/16 XXXX out of XXXX NY sent a collection letter under reference XXXX which was disputed for the same account and balance in question, XXXX was unable to validate the debt, and also because of identity fraud. They went ahead and closed the file, which XXXXConvergent now is attempting to collect. 

The agent at Convergent made threats.
Product: Consumer Loan

I called JP Morgan Chase to find out the status on my account, which is a debt I owe. The representative I spoke with told me that if I did n't enter into a payment plan or a settlement, my wages would be garnished upon filing my tax return.
Product: Credit card or prepaid card

I was told to call my unemployment us bank card about my funds and I got no respond back. Now, I email the unemployment about my bi-weekly claim and they told me to call the card. Which I been trying all day & yesterday about my funds. I had went online and XXXX keeps saying this card not even activated but I do have a PIN number. The online system isnt responding my request. I been calling all morning about my issues about this card. I need my funds. Every time I call it back the line is busy. Or it just hang up
Product: Credit reporting or other personal consumer reports

IT REPORTING ACT OF 1974 P.L. 90-321 ( 82 ) STAT 146 NO AGENCY CAN PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT. I WOULD LIKE EVERYTHING REMOVED WITHIN FOUR DAYS THAT I DID NOT GIVE WRITTEN CONSENT TO, AND I DID NOT GIVE XXXX XXXX NOR THE OTHER XXXX AGENCY MY WRITTEN CONSENT TO FURNISH ANYTHING ON MY CCONSUMER REPORT. NOR DID I CONSENT AS I HAVE PREVIOUSLY STATED AND NOTED I DO NOT AGREE TO ANY HIDDEN OR REVISED CONTRSCTS OR COMMERICAL AGREEMENTS ACCORDING TO UCC 1-308 WITHOUT PREJUDICE XXXX XXXX XXXX XXXX XXXX WOULD LIKE TO BE PAID {$1.00}, XXXX PER VIOLATION WITHIN SEVEN DAYS ANY DAYS AFTERWARD, I WISH TO BE PAID XXXX VIOLATION EVERDAY FOLLOWING THE XXXX DAYS. I WISH TO EXERCISE THE CONSUMER OPT-PUT LAW UNTIL I GIVE WRITTEN CONSENT TO OPT-IN AGAIN. I WOULD LIKE EVERYTHING REMOVED FROM MY CONSUMER REPORT THAT I DID NOT GIVE WRITTEN CONSENT TO FURNISH ANY INFORMATION ON MY CONSUMER REPORT. I ALSO WISH THAT ALL NEGATORY REMARKS and ALL negative consumer reporting on my consumer report. BE REMOVED, as well as OLD ADDRESSES, PHONE NUMBERS, NAMES OTHER THAN THE NAME ON ME THE CONSUMER SOCIAL SECURITY CARD. 

I AM SURE YOULL KNOW THAT REPORTING TRANSACTIONS HISTORY IS ILLEGAL. I AM HOPING WE CAN HANDLE THIS AMICABLY AND HONORABLY, IN GOOD FAITH MOVING FORWARD and yall will comply with the law. AGAIN I WANT TO EXERCISE MY RIGHT AS A CONSUMER TO THE CONSUMER OPT-OUT LAW until I revoke this in writing. I have never received a privacy notice before any information was furnished on my consumer report. 

I do not consent to ANY THAT INCLUDES XXXX XXXX XXXX, XXXX, XXXX, non affliliated.. I wish for this to be handled in the time frame specified in the above context of this NOTICE. 

UCC 1-308 Without Prejudice I reserve all my rights. I do not consent to any hidden or revised contracts or commercial agreements. 

I RESERVE ALL MY RIGHTS
Product: Debt collection

I keep disputing with Portfolio Recovery Associates telling them that the debt isnt mines for a few years and they keep trying to tell me that the debt is mines because of old statements from the creditor. I explained to them in numerous letters that they can not validate this debt with old bills to please send me written proof with my signature on it. They refuse to do as I ask them and ignore what Im saying and continue to send the old bills to my house.
Product: Debt collection

Debt allegations was remove and place back on my credit report which is in violation of 15 usc 1681 I ( 5 ) b resertions of deletion. Also according to 15 usc 1681 i7, I will like proof of steps taken to verify this account. They creditors is also in violation of 15 usc 1681 ( b ) furnishing false information to credit reporting agencys without my permission
Product: Credit card

I used Apple Pay to order shoes from " XXXX '' for {$99.00} on XX/XX/year>. 
The shoes never arrived. 
I disputed the charge and made a fraud protection claim repeatedly. 
I submitted an affidavit stating that I never received the shoes. 
Goldman Sachs/Apple pay found in favor of a merchant ( renamed by them as " XXXX XXXXXXXX '' ) without any evidence that it even exists outside of a scam site.

I have spent hours talking to Goldman Sachs " specialists '' on 3 different occasions but none of them have authority to reverse the charge permanently. 
I escalated the dispute but GS offers no names, phone numbers or emails of any of their managers with any authority. GS promises someone will call but they never do.

I have many other cards but I signed up for Apple Pay for its promised convenience and fraud protection for online purchases. I feel th
at this is GS protocol for avoiding fraud protection which it featured when offering their services.

I know there are others in my class that GS must be denying claims. This is my first time disputing a purchase from an online merchant and I feel GS is engaging in deceptive trade practice by not honoring their promised fraud protection.
Product: Checking or savings account

I made a deposit payable to a business/ XXXX XXXX. Which I know the / means or. When I deposit it the teller took it in and process it. When I tried to get a hold of the funds they restricted my accounts. Chase request the business account documents which I provided it and now they are asking to call the maker of the check which is not a chase customer. I dont understand why they are holding my accounts when I provided the information they requested. I also requested for them to send the check back if they close my account and even that they dont want to give back. They are holding over my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX