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

**Consumer Financial Protection Bureau Complaint** XXXX*Complaint Against : ** - **Company : ** TransUnion LLC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX - **Website : ** www.transunion.com **Complaint Summary : ** I am submitting this complaint against TransUnion LLC regarding multiple unauthorized reinsertions of inquiries on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically under **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **. Additionally, these inquiries were not made for **permissible purposes** as defined under **15 U.S.C. 1681b** of the FCRA .

**Details of the Complaint : ** 1. **Reinsertion of Previously Removed Inquiries** : I successfully disputed a series of unauthorized inquiries on my credit report, and TransUnion removed them. However, these inquiries were later reinserted into my credit report **without providing me with written notice within five business days**, as required by **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **.

2. **No Verification of Inquiries** : TransUnion failed to provide proof that these inquiries were verified with the creditor before reinserting them. The FCRA requires the credit reporting agency to confirm the accuracy of any reinserted information. I have not received any such documentation. 

3. **Permissible Purpose Violations ( 15 U.S.C. 1681b ) ** : The inquiries that were reinserted do not meet the criteria for **permissible purposes** under **15 U.S.C. 1681b**. These inquiries were not authorized by me, nor were they conducted for legitimate reasons such as reviewing my application for credit, insurance, or employment.

4. **Negative Impact on My Credit Score** : The unauthorized inquiries and their improper reinsertion have negatively impacted my credit score, and I believe this constitutes an unfair and deceptive practice in violation of the FCRA.

**Desired Resolution : ** I request that the CFPB : - Investigate TransUnion 's actions regarding the improper reinsertion of inquiries without proper notification or verification.

- Require TransUnion to remove all unauthorized inquiries from my credit report immediately.

- Provide me with proof that these inquiries were verified with the original creditors before being reinserted, including evidence of permissible purpose.

- Impose any necessary penalties on TransUnion for violating FCRA reinsertion laws and permissible purpose requirements.

I also request that TransUnion takes corrective action to ensure compliance with the FCRA in handling consumer disputes and reinsertions going forward.

**Documentation : ** - Attached is my correspondence with TransUnion , including dispute letters, removal confirmations, and credit report details showing the reinserted inquiries.
Product: Student loan

I had looked into applying for a consolidation loan from several other lenders, but always stopped short of filling out an application. I would always consult with the lenders first and ask if they looked at individual income or household income when determining my qualifications for the consolidation loan. Of the half a dozen or so other lenders I have previously spoken with they were all very clear that their income qualifications were based around individual income and not household income. After speaking with this company in question, however, I was told that they look at household income and not just individual income. So I went through the lengthy application process only to be denied after several weeks of review. When I asked for clarification, they said that I was denied based on my income. The person that I spoke to this time around apologized and stated clearly that they do not factor in household income, but they only look at individual income.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Transunion dropped my credit score from XXXX to XXXX. ( XXXX has my score at XXXX. ) I called them and asked the rep how did my score drop? He stated well you don't have payment history or any accounts right now. I said well, I haven't had any accounts when my score was XXXX so explain to me how it dropped. He kept repeating the same answer. I said that makes no sense. Let me talk to a supervisor. He said there's no supervisor to speak to. If I haven't changed anything there is NO reason for it to drop overnight by XXXX points. He told me you'll just need to get a credit card and make regular payments. I said, no one will approve me for any kind of credit with this score. 

I'm making payments on student loans but they won't start reporting until XXXX. Help please. I'm paying my bills that I do have, don't spend what I don't have so why?
Product: Student loan

I took out a $ XXXX loan to help pay for the now closed and defunct XXXX XXXXXXXX XXXX XXXX XXXX. That loan was then transferred/purchased by Mohela. I have received loan approval for discharge through Borrower Defense to Repayment for my loans not at Mohela that relate to the fraudulent XXXX XXXXXXXX XXXX XXXX. To date, I have paid {$30000.00} to Mohela since XXXX. These payments should be refunded. I contacted Mohela and they stated that they understood that I was part of the automatic class for approval for discharge through Borrower Defense to Repayment, but they could not act on refunding any amounts paid. A refund for the amount paid to Mohela, however, should be initiated for payments made to the loan and served by Mohela, as of this writing. Further, the amount and any record of the loan should be taken off my credit report. Simply because I have paid off this loan does not mean that I am not entitled to its discharge and refund of the amounts paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a line by line investigation of the accounts listed below, In Accordance With the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX. 15 U.S. Code 1692b Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ; ( XXXX ) not state that such consumer owes any debt ; ( XXXX ) not use any language or symbol on any envelope or in the contents of the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 U.S. Code 1692c Communication in connection with debt collection, ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

XX/XX/. XXXX I canceled 2 XXXX XXXX orders for {$25.00} each. Totaling {$50.00}. I disputed the transaction and they credit it the money. 3 months later in XX/XX/ they charged me again saying the transaction was valid. I have proof I canceled it.
Product: Mortgage

I closed on a refinance of my loan with XXXX XXXX in XX/XX/2020. 
Attached is the Closing document. This clearly shows no escrow for either property taxes or homeowners insurance. 
The loan got sold to Mr Cooper ( Nationstar Mortgage ) effective XX/XX/XXXX ( Loan # XXXX ) In late XXXX, they added an escrow to my account and informed by only by end of XXXX ( that is when I received the mail ). 
I emailed them through the online account as well as called them twice : XXXX. XX/XX/XXXX at XXXX XXXX  PST. I was told to submit updated copy of homeowners insurance which I promptly did as soon as I hung up ( 34 minutes later ). I was assured that the escrow would be taken off my account with 2-3 days after I submitted the required information. 
XXXX. XX/XX/XXXX at XXXX XXXX. I was told that this was still under " research '' and that they do not have an estimate on when this will be resolved. - best guess was 7-10 business days. 
I have been making my monthly payments of {$3300.00} every month. However, starting XXXX, they expect me to make payments of {$4800.00}, which I will NOT make. I want this resolved before XX/XX/XXXX but Mr Cooper is not providing any assurances if they will resolve this, never mind when they will resolve it. Attached are also the documentation they sent me regarding escrow.
Product: Debt collection

Received a letter dated XX/XX/2019 from Rausch Sturm concerning XXXX XXXX  account under their file number XXXX. Requested the name and address of original creditor, a copy of the original signed contract, delegation of authority, and complete account / statements of payments, interest, and fees associated with this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this one late payment appearing on my credit with the company, it caused my score to fall more than 60 points. I have 3 accounts with XXXX XXXX and I was never pass 30 days late. The information says current paid as agreed however there is a late for XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$670.00} Terms : Revolving Limit : {$750.00} Past Due : {$0.00} Payment Status : Pays account as agreed Paid or paying as agreed r
Product: Student loan

My co-signer passed away and I was informed my debt was now collectible. However not having the money I could not pay and instead of going after my co-signers estate the whole burden fell on me immediately.
Product: Mortgage

XXXX Received Notice of Servicing Transfer from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXXXXXX 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 XXXXXXXX Received Delinquent Notice from XXXX XXXX Called XXXX and spoke to an agent who advised that the XXXX XXXX XXXX XXXX XXXX was rescinded in XXXX XXXX though I have not received a rescind notice. Agent attempted to collect XXXX mortage payment + late fees, though the payment was made to their designee, XXXX XXXX, on time as previously instructed. Agent confirms that prior payments sent to XXXX have been credited to my account. I sent proof of payment for XX/XX/XXXX to XXXX XXXX via email. Agent was incredibly aggressive and rude and attempted to collect personal information to be used in collecting debt which was not owed.
Product: Credit reporting or other personal consumer reports

I called experian to report unauthorized inquiries and agent mentioned I should add fraud alert on my credit report. But agent did not mention it will show up on my credit report and I will be also removed from pre approved mailing offers etc. Now because of experian fraud alert there is a fraud alert and statement on my experian and other credit bureaus as experian also sent request to other credit agencies. I have contacted XXXX 3 times by submitting request in writing 3 times and also uploaded form that I don't want fraud alert on my credit reports and I want it to be removed immediately. One of the successful request to experian was submitted on XX/XX/2023. It seems fraud alert is being added again and again without my authorization. It seems experian computer systems are automatically adding fraud alert despite me requesting to remove from all bureaus. Kindly check your records as I have asked you multiple time by uploading form online and also uploading my identity card and utility bill to remove this alert for once and all. But you have removed and than added again. 
Kindly remove it immediately. I am tired of writing and submitting my documents again and again to you guys. Supporting documents attached below and confirmation of fraud alert from you guys is attached below as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed all these account on my personal account and have not receveied a responce
Product: Debt collection

Please note this is a new dispute and not a duplicate dispute and should be treated as such. 
Credit bureau in question : Experian - Account Number Unknown / Date Assigned XX/XX/2022 / Balance Owed {$250.00} Company posting false information : XXXX XXXX XXXX. 

This collection has been recognized as fraudulent and removed by XXXX and XXXX. We're working to remove the XXXX collections from Experian as well. We'd greatly appreciate your assistance in removing this false collection account from my Experian credit report as your claim has no basis. We've made several attempts to collect valid proof of this collection account but havent been provided with anything. After speaking with XXXX XXXX XXXX, they will only share the proof of debit if I give them a credit card. This has been noted as extortion and we are still awaiting proof of debit from XXXX XXXX and or XXXX. Documents sent to me by XXXX did not validate or prove the debt was mine and were barely legible. Please send proof of this collection account as it is not legitimate. If you can not provide clear, concise, legible proof that this collection account is mine, or remove it from my Experian credit report, I will be forced to take legal action. 
Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account reported above are not my debit, and I have no knowledge of it. 
2. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
3. We have not received enough clear, concise, legible proof that this debt is mine and not fraudulent. 
According to the Fair Credit Reporting Act, Section 607, Experian must ensure maximum accuracy of the information contained in my credit report. Without clear, concise, and legible proof that this debt is mine, Experian has failed to comply with the Fair Credit Reporting Act, Section 607.
Product: Credit reporting or other personal consumer reports

I have recently initiated a dispute concerning certain entries on my TransUnion, XXXX, and XXXX credit report. The rationale behind contesting these adverse entries arises from their inaccurate portrayal and non-conformance with XXXX compliance framework. The XXXX Compliance mechanism, collaboratively established by TransUnion, XXXX, XXXX and XXXX, serves to ensure the precision of consumer credit reports. It has come to my attention that TransUnion, XXXX, XXXX 's adherence to these stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. 

I have diligently attempted to rectify these inaccuracies with TransUnion, XXXX, and XXXX 's assistance. Regrettably, despite the evident misreporting of the accounts, TransUnion, XXXX, and XXXX has chosen not to elimnate the adverse entries from my credit report. For your convivence, I have appended evidence of my correspondence with TransUnion, XXXX, XXXX 's accompanied by substantiation underscoring the jurisdiction for the removal of the negative accounts. My formal request is that you meticulously review the provided documentation in order to facilitate the expungement of these unfavorable elements. Enclosed within are materials substantiating the grounds for the requested removal. I kindly solicit your through assessment of the furnished evidence with the objective of effecting the elimination of the identified negative items.
Product: Money transfer, virtual currency, or money service

i called capital one a couple hours ago about some authorization on my accounts..they close my account when i asked them to take the transaction off my account when i really my account
Product: Checking or savings account

was recently scammed by People claiming to be with XXXX security and fraud department. This occurred on the date of XX/XX/2022. They told me they detected unauthorized IP addresses on my phone and that people were using my XXXX account to order things in different parts of the country. They were able to get my personal information by having me install an app that they told was used to see what I was doing on my phone so they can help walk me through the necessary steps to help secure my bank account. They then tricked me into opening my crypto apps and had me download a crypto app Ive never used before called XXXX. They then funneled almost {$7000.00} out of my bank account and stole % 50 of my crypto currency investments. Before finally telling me that Ive been conned and laughing in my face over the phone. Ive filed a claim with Wells Fargo and cancelled my current debit card and had a replacement sent out. Im bringing this situation to light to ensure that Wells Fargo does the right thing and reimburses my stolen funds. I was a victim of a disgusting crime and I believe as a loyal customer of Wells Fargo, which Ive been banking with them for over 10 years. It is the upmost important and right thing to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 90 plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Consumer Loan

I was considering financing through an auto dealer last XXXX, and did NOT give my consent to run my credit report - or that of my wife. They ran the report anyway which resulted in a hard pull on my credit file, causing my score to be lowered. I ended up financing through my credit union.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX use too much aggressive force on my credit report by running it too many times in their system after The first denial. Day was not supposed to run my credit at all because I had no identification presents at the time. OK So there was no reason to run my credit if I did not have my Florida identification in hand or at all because it is expired at this time. Please remove every XXXX and query of my report from 2024. 
COAF XXXX XXXX COAF XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX CAPITAL ONE XX/XX/year> 2024
Product: Credit card

I am submitting this complaint to outline an ongoing issue I have faced with Citi Bank regarding a dispute I filed. The matter concerns a charge from a moving company that double-charged me. Despite my repeated efforts to resolve this issue, I have been met with inconsistent answers and no resolution. 

Heres a summary of the events : I initially filed a dispute with Citi Bank regarding the double charge. 
The dispute was placed on XX/XX/year>, but Citi Bank later reversed it without my knowledge. 
The dispute was closed because I had moved and never received their follow-up letter. 
I reopened the dispute on XX/XX/XXXX, as reflected in the communication records. 
Since then, I have contacted Citi Bank eight or more times, seeking clarity and resolution. 
Despite these efforts, the responses I receive from Citi Bank representatives are inconsistent, and no clear steps have been taken to resolve the dispute. Each call results in different information, leaving me frustrated and without closure on this issue. 

I am seeking CFPBs assistance to ensure that Citi Bank reviews this matter thoroughly, provides consistent communication, and resolves the dispute in a fair and timely manner.
Product: Credit card

In XXXX, the average credit card interest rate is 22.63 %, which is a significant increase from XXXX when the average was 16.98 %. Credit card interest rates are usually based on the prime rate, plus a margin that varies by card and the cardholder 's credit history. As of XX/XX/XXXX, the prime rate is 8.00 %. 

As of XX/XX/XXXX, I am being charged 34.49 % on Macy 's credit card account in addition to a late fee of {$31.00}. I missed a payment as I was ill in XXXX. As a long time customer of Macy 's, I consider these charges now to be predatory and excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX. ( Acct # XXXX ) is reporting a charge off on my consumer report, a charge off is cancelled debt. I never received a 1099-C from the creditor from this charge off.

IRS defines a charge off as gross or ordinary income. Income does NOT get reported on a consumer report. 

Please refer to the laws mentioned below : 15 USC 1681s-2 ( a ) ( 1 ) ( a ) 15 USC 1681eb
Product: Credit reporting or other personal consumer reports

I received an alert from a credit Buteau that a new account was in collections that I dont recognize. Ive contacted them multiple times to validate the debt however they refuse to provide me with the proper information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX/XXXX  : XXXX, XXXX : XXXX, XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 convictions 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.