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

Formal Complaint against Transunion, XXXX, & XXXX for reopening a closed account. 
Transunion reopened a closed account on my credit report without proper cause or authorization. The account in question pertains to XXXX XXXX XXXX and was previously charged off with a {$0.00} balance. Despite this, TransUnion reopened the account, which I believe violates both state and federal consumer protection laws. 

Under federal law- specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq. credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Reopening a closed account with a zero- dollar balance and re- adding it to my credit report misrepresents my financial situation and could be construed as willful noncompliance under 1681e ( b ) ( ensuring maximum accuracy ) and 1681s-2 ( b ) ( duty to investigate disputes ). 

Furthermore, under XXXX XXXX law XXXX Code XXXX. 37-20-110, the Consumer Identity Theft Protection Act-credit reporting agencies are prohibited from knowingly disseminating inaccurate information. Reopening a charged-off account that no longer has a balance without my authorization violates this statute and unfairly tarnishes my credit profile. 

I previously disputed this error with TransUnion, XXXX, and XXXX and despite providing sufficient evidence that the account is closed and paid off, the account remains on my report. This has caused undue harm to my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

XXXX has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XX/XX/ request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. 

I have one name : XXXX XXXX I have one address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 

I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. There are still 23 addresses that do not belong to me. Please remove all addresses except for the address listed on my ID. 

Also, the following items are disputed and I am requesting verification of the steps taken to validate the following debts : Who you spoke to? Where did you go to validate the debt? Provide a copy of the original debt with my wet ink signature signed with the actual reporting agency? A detailed accounting showing how the account made their determination from the day the account was established? Documentation to show these transactions were indeed made by me not a transferred security? Please provide original documents not verification from E-Oscar with is a violation of my FCRA rights. I am also a victim of identity theft and have a right to remove inaccurate accounts. 

XXXX is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. 

The following accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no co applicant. Im not married. 

Please update my info to the one address on my ID. 

All addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on 2 accounts on XX/XX/XXXX. The company failed to respond. I sent a letter to the 3 credit agencies and XXXX  and XXXX  immediately deleted the accounts but Experian still has not removed them and it's been more than 60 days. I want to file a complaint on Experian because it's been 60 days and those accounts are still reporting. The accounts are below. 

XXXX XXXX XXXX XXXX XXXX Credit card : XXXX Amount : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan : XXXX Amount : XXXX Date opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the Toyota Financial Services in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card

In XX/XX/2023, I noticed that my care credit limit decreased from {$1800.00} to {$270.00}. I contacted Care Credit /Synchrony Bank and was told that I had " Significant negative impacts on my credit reporting, non-timely payments, and too little payments ( not meeting the minimum balance ) '' This scripted response is not only entirely inaccurate, but is apparently being used on customers that even have great to perfect credit. It is also known that Care Credit/ Synchrony Bank will close accounts without informing the customer, causing determent to the persons credit reporting. 
They stated they sent out a letter. That letter was never received. I waited for another one, never received it. I called back to request another letter, and what I received is attached. A non-helpful, non-requested letter stating they do not run credit .... if that is so, then how can they attest to the statement above? 
This company seems to be operating in a scam-like fashion and not fulfilling its duties to inform the customers of changes being made to their accounts and doing so with inaccurate reasoning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : Experian Letter Tracking # XXXX XXXX Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. 
I was reported by XXXX XXXX 30 days late for XX/XX/ and XX/XX/. Im XXXX XXXX and my business was closed due to government order for pandemic. My XXXX  was closed for XXXX, XXXX, XX/XX/ XXXX I called XXXX and ask them to defer the payments around XXXX, and they were ok with that but still they reported me. This was during middle of pandemic and im requesting help to remove this late payment from my credit report. We are back to business now and still trying to survive.Its affecting my score drastically for any kind of loan applicaion
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Approx. In XX/XX/2023, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. LexisNexis states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from the United States Bankruptcy Court stating that they DO NOT report any information to consumer agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies XXXX and LexisNexis because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, LexisNexis is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 

Thank you for your help in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft, I submit report to EQUIFAX, they have not responded to my report to correct the problem.
Product: Consumer Loan

Kia Motor Finance company has withheld payment of a refinancing loan of my 2016 Kia Soul. I refinanced the loan through XXXX and Kia accepted XXXX payments for the car loan in the amounts of {$640.00} and {$20000.00}. For one month, Kia reported only receiving the payment of {$640.00}. I called them numerous times and they reported that the check had been destroyed, that the check had been lost and that they had no history of the check on numerous occasions. When I requested that the check be canceled and reissued by my bank, they found and processed the check. However, they applied it to a previously closed account to delay payment on the loan in question. They still have n't paid the original loan. This is fraudulent. They are not using the funds for the purpose to charge me more interest and fees. In addition, I am due gap insurance refund, which this is delaying. That should have been processed, but without them releasing the lien they will not release those funds as well.
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 U.S.C 1681. 

Account name : progressive insurance Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account date : XX/XX/XXXX Account address : XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX MA XXXX Account name : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account date : XX/XX/XXXX Account name : XXXX. XXXX/XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX  XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXXXXXX Account # : XXXX Account name : XXXX. XXXX Account # : 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 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.
Product: Payday loan, title loan, or personal loan

This complain is against XXXX which is owned by SunTrust. I applied for an application with XXXX on XXXX XXXX, XXXX and was denied for no valid reason. I received an email stating I was denied for income and credit reasons but my XXXX XXXX is over XXXX with no derogatory items on my credit and my income is over {$220000.00} a year with less than 20 % debt to income ratio. Therefore, its impossible for me to be denied based off credit and income but when I called in to XXXX to try to get a clear explanatino for the denial no explanation was given to me. I was told I would receive a call back from a XXXX but no XXXX ever called me back. When I called again to let them know a XXXX never called me back they still refused to transfer me over to a XXXX. I just want a clear reason for why I was denied and I know I will never receive a reason a valid and just reason because XXXX wrongfully denied my loan and every time I try to get someone to look at my file they just brush me a side. I work in the lending industry myself so I 'm very familiar with lending guild lines and principles. I am hoping CFPB can get their attention the way I am unable to and demand a reasonable answer. Thank you for your time.
Product: Checking or savings account

I deposited a check issued from XXXX XXXX XXXX  XXXX Ally Bank. The check was declined stating not enough funds in the issuing account. Ally Bank states XXXX XXXX XXXX  needs to fix it. XXXX XXXX XXXX  states they payed out the check. Neither of them will fix it.
Product: Mortgage

CHASE unable to issue RECONVEYANCE DEED OF SUBORDINATE LIEN in the amount of {$74000.00}
Product: Debt collection

Jefferson Capital Systems , LLC constantly contacts me, and I haven't used a XXXX wireless service for over 7 years. And on my credit report, due to them, it shows 2021 I wasn't using XXXX, I was using XXXX, like I had been for 5 years. Now they keep sending emails saying I need to pay, when I told them I haven't used them for a long while, nor can I even pay them due to me being XXXX.
Product: Debt collection

I have financed the car from XXXX XXXX, but they went out of business or file for bankruptcy XXXX months later a company call XXXX XXXX  was contacting me Saying that I owed it with them, I explained to the lady I dont know who you are and I dont owe you that I never authorize anyone to my personal information and The debt for XXXX XXXX says charged off so its no way they can charge me XXXX times and also I requested a 1099 form from this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

my checking account has been being shown as maxed out on my report when it barely has any amount left outstanding. I 've been waiting since XX/XX/XXXX for it to change. I 've filed a dispute, but no word back yet. I tried calling and every single time I call TransUnion, they disconnect on me. I have yet to find a way to get through on their phone lines without being instantly disconnected by their end. Their call center appears to be a sham and leaves me with no option of speaking with someone to understand what 's been going on with their lack of updated credit information.
Product: Student loan

I was granted complete loan forgiveness by the Department of Ed in XX/XX/XXXX. All my accounts showed XXXX balance. It was off my credit report. Then in XXXX of XXXX I get an email that I have student loan payments due ( showing a loan balance of {$16000.00} ). MOHELA put {$28000.00} ( per my credit report ) loans back on my account. Dropped on my credit score immensely. I spent hours on hold to have MOHELA reps acknowledge my forgiveness but can not explain why I have a balance. Refused to cancel it. They put the loan in deferment. I get no answers 'why " I have a balance. No one has contacted me. Still no resolution months later. This effects my credit in a major way. Also, I am a state employee. I can not get answers how this 'mess ' would effect any PSLF 'if ' the balance is legitimate. I argue it is NOT. I have a letter that states and shows all my loans were forgiven. I have screen shots showing my balances at XXXX. 5 months and still no information or resolution from MOHELA.
Product: Mortgage

Misleading advertisement ( see attached ). The attached is misleading advertisement meant to get Veterans to call. There are no waiting periods based on the county in which you live through the Veterans ' VA Guarantee. Iconic Mortgage Corporation NMLS # XXXX is attempting to mislead you with this mailer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts had been opened in my name as well as inquiries, my information has been compromize in recent data beaches, an FTC report had been filed and a police report # XXXX. 
Please block these information from my credit file.
Product: Credit card or prepaid card

Made a payment for {$1000.00} on XX/XX/18, and was alerted there would be a 24-72 hr hold on my payment. 
Spoke with XXXX at XXXX then account managers XXXX , and another woman told me my payment would be held for 10 days, not 3.  I repeatedly asked to speak with their immediate manager and I was on hold for over an 1 hr and a half. XXXX then answered the line and I asked why my payment was being held if monies had been withdrawn from my bank account and applied to my credit account, he refused to answer then stated he WOULD NOT furnish terms and conditions that stated my payment would be held for ten days. The recorded call ended after 1 hour and 34 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MISSED A DOCUMENT ON THE LAST COMPLAINTS. DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : 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, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I never applied for it.
Product: Debt collection

PRO COLLECT Last reported XX/XX/2021 {$480.00} Reported balance Original balance XXXX The above account is not my account. I do not know who it belongs to. Please remove off credit profile.
Product: Vehicle loan or lease

XX/XX/year>, company is very rude and keep hanging up the phone and offered XXXX solutions on getting damages fixed on my car. Keeps transferring to different agents and no one know what is going on or what to do.
Product: Bank account or service

I have a Wells Fargo retirement account from my employer for over 9 years. Just recently in XXXX and XXXX I received XXXX e-mails from Wells Fargo. The 1st e-mail has the subject line of " Questions about your new account? Schedule an appointment with a banker, 'my name ' ''. The XXXX has the subject line of " Manage your mortgage online ''. I neither opened up a new bank account nor a mortgage with Wells Fargo. As you can imagine, I was surprised and worried that my information was used inappropriately to open up new accounts with Wells Fargo. After I called them and inquired about it, I was told that I was put on these accounts but they could n't remove me from them and I was n't the primary account holder. They stated that if I wanted to know more I 'd have to go to a branch. Well, after all the news that came out about Wells Fargo and the fake accounts, I went to a branch today. I was now told that these are not my accounts, but rather somebody who shared the same identity and to e-mail their phishing department - which is contrary to what they first told me on the phone, and which I do n't think is the real issue. I am truly concerned that my XXXX XXXX is being used to open fake accounts and I can not do anything about it. Please help!