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

To Whom It May Concern, I am writing to formally file a complaint against TransUnion LLC through the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information that continues to appear on my personal credit report. The issue concerns the account identified as XXXX XXXX XXXX XXXX XXXX. 

Despite TransUnion acknowledging, in a written response to the XXXX XXXX XXXX XXXX XXXX  ), that this information does not appear on my credit report ( letter included as evidence ), the erroneous information continues to persist. 

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. XXXX failure to remove or provide clarity regarding this inaccurate information is a direct violation of these protections. Specifically, I cite the following provisions under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) : Duty to reinvestigate disputed information.

15 U.S.C. 1681e ( b ) : Requirement to maintain maximum possible accuracy. 

I demand that TransUnion take immediate corrective action to either : XXXX. Permanently remove the inaccurate information from my credit report, or XXXX. Provide me with an official credit report confirming that this information has been removed and no longer appears. 

Failure to resolve this matter may result in further action, including but not limited to filing additional complaints with the CFPB, seeking legal remedies under the FCRA, and pursuing damages for non-compliance. 

Please address this issue promptly and provide a written response confirming the resolution. 

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

I would ask CFPB to investigate Lexis Nexis for violating my federally protected consumer rights to privacy and confidentiality under FCRA 15 USC 1681 and accurate reporting. 

Bankruptcy XXXX XXXX XXXX XXXX XXXX. 

I received a letter from XXXX stating that their public records furnisher verified the Bankruptcy to be accurate which they are reporting. I also contacted XXXX via phone on XX/XX/year>2024 and was told that Lexis Nexis verified the Bankruptcy to be accurate. 

Lexis Nexis sent me a letter stating that they do not have a Bankruptcy for me in their database and confirmed it via phone on XX/XX/year>2024 but XXXX is stating that they confirmed the Bankruptcy to be accurate. I need to know if there is an error on both agencies ' parts or if they are involved in unethical business practices.
Product: Checking or savings account

On Sunday XX/XX/XXXX I reported a numerous XXXX unauthorized transactions that I had no knowledge of. As doing so I told Venmo if they could activate a stop pay against the merchant and if they could deactivate my current debit card on file and send me an immediate XXXX  because just around the end of XXXX I had moved to XXXX XXXX, NV. During this time of multiple moves back and forth, figuring new accounts and transfers online and what not I'm not sure how my information may have gotten out to a merchant called " XXXX ''. As I mentioned before I did every in due diligence to report this matter and I was treated like a criminal.. XXXX days later on XXXX the XXXX, I got a letter stating around XXXX of the transactions were approved for refund and the other XXXX or so transactions were denied. There are so many transactions because " XXXX '' was taking multiple amounts even the same day! Different amounts and transactions and getting my work pay checks and other bonuses through the same account I was able to see in real time some of the transactions until recently when I stopped working due to a car accident on XX/XX/XXXX and I stopped officially working XX/XX/XXXX so its been under XXXX weeks and I caught these transactions! so back to Tuesday XX/XX/XXXX, I recieved that majority of the disputes were denied and a few were refundable, of course only receiving XXXX XXXX of your money back was a disappointment and I felt like contacting the Venmo accounts specialty team to discuss a appeal and to further investigate and they denied me because they need additional documentation? As primary holder I sent a call log I had from XXXX stating I had no business with that merchant, they never contacted the merchant themselves directly, and they continued to deny my appeal and disputes. XXXX mins later they suspended my account, froze my money in my account, and they didnt refund the processing claims that were approved for refund ... this is wrong as a loyal customer. I have had a similar situation like this before with XXXX XXXX  XXXX years ago and they were proven to be breaking the same exact structural procedures for these matters and the fact that as a full time Lyft driver, who pays their taxes and fees on just about everything to not have access to this account with my money sitting their is stressful and hair pulling. I need help again from a expert agency like you guys. This is not fair to hard american worker who is killing himself financially to make ends meet.
Product: Credit reporting

i have disputed this account on my credit report with experian XXXX XXXX XXXX acct # XXXX, experian did not do proper investigation and verified the account, i escalated my dispute XXXX, i have received a resolution that grants the account to be deleted as per XXXX who is servicing the XXXX tradeline, i want experian to delete this account immediately to enable me pursue my financial goal, i have attached a copy of the resolution letter
Product: Credit reporting or other personal consumer reports

The 3 Credit reporting companies equifax XXXX and XXXX. CONTINUE and FAIL TO NOT PROTECT CONSUMERS. as consumers we must PROVE that incorrect/ erroneous items are so. While Credit Furnishers or debt Collectors. DO NOT HAVE any type of burden to prove that the negative information they provide is Correct. Suggest that ALL credit furnishers and debt collectors MUST Prove that ANY negative information they provide MUST Include proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX 

Also I noticed inaccurate spelling & addresses. 

A total amount of {$23000.00} is reporting that are inaccurate.
Product: Credit card or prepaid card

I disputed the alleged debt with apple card and directed them to return all payments made on the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters explaining to TransUnion there are multiple inaccurate accounts they are reporting on my credit report that I do not recognize at all. I have asked them to please provide me with documentation verifying that these accounts are mine. Laws I read from the FCRA clearly state if they can't verify information correctly they must remove them. Due to this pandemic I need to use my credit and these inaccurate accounts causing more of a negative impact to me.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit card

I have an American Express XXXX credit card. On XX/XX/year> the credit limit was $ XXXX  and on my credit card statement of XX/XX/year> the credit limit was $ XXXX. That is a decrease of $ XXXX  in my credit limit, a decrease of XXXX  %. I was up to date on my payments, had not violated my credit card agreement, and am now being penalized for difficult to articulate ( by American Express ), opaque goble-de-goop excuses. American Express told me my XXXX XXXX is greater than XXXX. That's not a bad XXXX XXXX. And, yet, out-of-the-blue they choose to penalize me for staying within the agreement and making minimum payments. I will turn XXXX in a few days and I can easily say that once upon a time when you didn't habitually break the rules your credit limit was not arbitrarily decreased and pressed against you. I believe there are probably still individuals in leadership positions at American Express who would not press their customers against a wall by lower their credit limit and then obliquely tell them they are too close to their credit limit for the comfort of the credit card company. By the way, I have XXXX cards with American Express and I have not skipped payments or exceeded credit limits on any of them and they are doing the same with XXXX of the other cards ... ..lower the credit limit and intimate to you that you are too close to your limit. To me, this entire episode has the feeling of credit discrimination. I am not a lawyer, can't put my finger on it, but it does feel that way. I've been around long enough, met enough of all kinds ( favorable and unfavorable ), that that feeling is outside of a guess. So, I am told by American Express that if I make a $ XXXX payment on my XXXX card they will reset my credit limit to it's original figure. And that will be done within XXXX  days. Huh? Their software can penalize you immediately, accept your payments immediately, and not immediately reinstate your credit limit ( I say wrongly lowered ) for 30 days when I have diligently not approached that credit limit. In the old days, XXXX  days was reasonable because the company was still using the XXXX  XXXX  and it really did take XXXX  days to accomplish the task. Today, XXXX days sounds like lackadaisical foot-dragging. Another way to press against the not-so-rich customer. I have nothing more to say.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform 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 inquires that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquires removed from my file as soon as possible. 

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

I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint
Product: Checking or savings account

On XX/XX/XXXX I found out from XXXX XXXXXXXX that my Identity had been stolen and benefits I was waiting on were claimed by an imposter. On XX/XX/XXXX I received a call from XXXX about the aforementioned account and was eventually granted access to it, discovering a multitude of forged documents and messages submitted in my name including a bank account in my name that I didn't open or authorize. I contacted XXXX XXXX XXXXXXXX XXXX who informed me that the deposit account was insured by them but held by Chime Financial , Inc and I would need to initiate the process through them. I contacted Chime and upon verifying my identity via 27 messages of proofs of identity including photos of myself holding hand written papers with the date and my SSN as well as a bio-metric facial scan, I was granted access to the account and discovered it was used to setup direct deposit of XXXX benefits in my name that I am rightfully entitled to due to 35 years of paying my taxes. Since I did not receive the funds I issued disputes on all 459 transactions totaling {$30000.00} and before I could end the phone call disputing them, I had already received an email of denying the claim. I then filed a rebuttal and provided my GPS location data as verification that I did not make these transactions and was again denied. Since a large amount of the transactions were ATM withdraws, there is obviously direct ATM photo/video evidence that these transactions were fraudulent and yet the protected FDIC insured funds that were deposited and intended for only me are being withheld. As if it's bad enough that Chime Financial , Inc parades around impersonating a Member FDIC Banking Institution, they have also blatantly posted on the front page of their website " Some online banking accounts require a copy of ID like a driver 's license. When you bank through Chime 's partners, you do not need to submit photo ID. ", essentially begging for criminals to use their fake bank for fraud, identity theft, money laundering, etc. through accounts they don't even have to verify. The deposit account that was made in my name also had a savings account and credit card/account attached to it made by the imposter.
Product: Debt collection

Theres been a miss communication on my credit that I gotten few years ago. Basically they have no evidence I lived in this apartment and they keep updated it on my credit. I told the apartment people and they said they were going to take it off but they never did.
Product: Credit card or prepaid card

For the XX/XX/2021 transaction date which posting XX/XX/2021, the following three fraudulent transactions were made with my Bank of America Card : 1. XXXX - XXXX XXXX XXXX XXXX - SERVICE STATIONS ( WITH OR W/O ANCILLARY SERVI- Reference Number XXXX, {$21.00} XXXX. XXXX - XXXX XXXX XXXX XXXX - AUTOMATED FUEL DISPENSERS, Reference Number XXXX, {$9.00} 3. XXXX XXXX XXXX XXXX XXXX - AUTOMATED FUEL DISPENSERS, Reference Number XXXX, {$92.00} On Saturday, XX/XX/2021 at XXXX XXXX  I received a notification from " BofA Security ''. The notification asked me to confirm if I used my credit card at XXXX XXXX in the amount of {$XXXX}. At XXXX XXXX  I texted back " No '' to immediately notify the bank that my card was compromised. 

Reviewing my account, I became aware of the other three fraudulent transactions. I called Bank of America the morning of XX/XX/2021 to notify them of the fraudulent transactions. At that time, the bank asked me if I had the card in my physical possession, and I stated that I believed I did. Bank of America told me that they opened an investigation into the fraudulent charges and they issued me a fraud dispute credit. Only later that morning, when I went out to my car, did I realize that the Bank of America credit card was taken from the center console of my vehicle along with another credit card through XXXX XXXX. 

On XX/XX/2021, the fraud dispute credit was reversed. Upon receipt of this letter, I called Bank of America back with the additional information about the theft of the physical card. This claim has now been denied upon appeal twice, and, as recently as XX/XX/2021, they notified me that " unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed '' based on the " charge is consistent with previous charges with this merchant ''. Someone stole my card out of my car, which was parked in the driveway of the neighborhood I live. The fraudulent charges were then made at the closest gas stations to my home, therefore this logic for claim denial is faulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting

Due to the fact that my situation does n't have a check box above to best describe my problem. I will have to explain it this way to you if you do n't mind. I have XXXX account on my TransUnion credit report that are outdated. They are seven years old and someone re-aged the debt as well That is against the Fair Credit Reporting Act you ca n't re-aged old debts. The accounts goes as followed : XXXX Account # XXXX this account was open XXXX This account was open in XXXX and re-open in the XXXX XXXX Account # XXXX This account was open in XXXX and re-open in XXXX XXXX Account # XXXX This account was open in XXXX and re-open in XXXX If you look at the credit report open dates you see two dates one at the top and another one right under it.
Product: Credit reporting or other personal consumer reports

I have a credit card with Target issued by Target Card Services to TD Bank USA. On XX/XX/XXXX, I had a minimum payment due in the amount of {$160.00}. On XX/XX/XXXX ( really XX/XX/XXXX but I paid after the cutoff ) I made a payment of what I thought was {$170.00} ( but there was a typo and it was only {$75.00} ). I NEVER once received a call, mail or email from Target notifying me that I had a past due balance or any communication regarding my account being past due. On XX/XX/XXXX, I was down with XXXX and was late making my payment. I paid on XX/XX/XXXX. Target reported my account to the credit bureaus stating I was 30 days late. I have never been 30 days past due with Target since I had my account in XXXX. They didnt once notify me in an attempt to bring the past due balance to my attention to try to remedy this situation but you report a negative marking that last for seven years on my report is utterly ridiculous. I would like this removed from my credit report. This is absurd. I work hard to maintain a good credit rating and because of a typo and poor customer service I have been penalised. I have a job that requires my credit rating to be in good standing.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I entered into a reverse mortgage on or about XX/XX/XXXX with AAG. The process began in XX/XX/XXXX. At that time the taxes on our homestead we're deferred since XX/XX/XXXX. Upon AAG 's request we submitted proof of the tax status along with a copy of the Texas Deferment law. AAG accepted the status and indicated they did not required payment of any deferred taxes. Insurance was required and has been maintained. 
In XX/XX/XXXXAAG, by phone and by US mail stated while this was once allowed, they no longer hold that position and wanted all deferred taxes paid. In XX/XX/XXXX AAG sent the amount {$82000.00} to the county of XXXX. XXXX for property and MUD taxes our our property. The amount was incorrect and done without permission. The county is refunding the money and has reinstated the deferred status. 
AAG is threatening foreclosure if the taxes are not paid IN FULL. 
HUD has stated foreclosure is not available to over XXXX or XXXX individuals a copy of the ruling has been submitted to AAG. They are insistent this will be the result and have given dates the process will begin ( after XX/XX/XXXX ). 
At XXXX years of age to be put in this position, without knowledge this could occur, and with their assurance we did not have to bring the taxes out of deferment at the time of signing the reverse mortgage contract, mimics predatory lending practices.
Product: Debt collection

Dear [ Creditor/Collection Agency I am writing to formally request validation of the debt referenced by account number that you claim I owe. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Please provide me with the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of the original contract or agreement that validates this debt.

4. Proof that you are authorized to collect on this debt.

5. A detailed payment history for the account in question.

I request that you stop all collection activities until you provide the requested validation. Please send this information to my address listed above within 30 days of receiving this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX