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

I am filing this complaint against TransUnion regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my TransUnion report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ).

I previously disputed the following items on my TransUnion credit report, as I believe the information is inaccurate and can not be verified. However, TransUnion has left these accounts on my report without providing proper verification : Creditor/Account Name : XXXX XXXX XXXX  Account Number : N/A Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE FTC Report : I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter . My FTC report reference number is XXXX. 

Attempts to Resolve : I submitted a formal dispute to TransUnion on XXXX XXXX requesting verification of the accounts listed above. Despite my efforts, TransUnion has failed to verify or remove these unverified accounts within the required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a letter for investigation into inaccuracy that was being reported on my credit file. With Trans Union , LLC, I received notice of letter sent certified receipt return, reflecting date stamped received by Trans Union, LLC as XX/XX/2022. The letter was to investigate the accuracy of information being reported. Per the federal mandated; aw for the results are 30 days, for the investigation results. I am to be made aware of whom conducted the results and completed the results, whom was contacted in reference to the investigation completed results, and how was the investigation information obtained. The accounts listed below were requested to be investigated ; XXXX. XXXX XXXX XXXX, Acct # XXXX, XXXX. XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX  XXXX Acct XXXX XXXX. as of the date of this complaint. I have nor received by investigation results. Per 15 USC 1681, I am entitled to information being reported to be 100 % accurate. My federally constituted rights have been violated by Trans Union , LLC. 
XXXX Acct # XXXX is being reported inaccurate on my credit file. I request that this account be updated to reflect my true credit standing
Product: Credit card

This complaint is regarding a Barclay Credit card. I responded to an online fraud alert by calling in to the security division. I had an old and outdated phone number and email on file. When I told them that, they completely locked my account and required document submission to restore my access. So far, so good.

But Barclay does not offer any type of secure portal for document upload. The only choices they gave me were to fax or physically mail in copies of my driver 's license and social security card. Neither of these options are sufficiently secure considering how sensitive the documents are and how easily they could be compromised. 
Regardless, I did fax in all of the requested documents on XX/XX/XXXX and have confirmation that the fax was successfully received. 
I have since called back twice to try to re-establish access to my account, most recently on XX/XX/XXXX ( 17 days after submittal ). 
Barclay rep told me that not only have they not completed verification, but they can not even confirm whether they have possession of my documents.

The rep tried to push me into physically mailing in my documents to a XXXX XXXX XXXX which is so insecure a method that I am uncomfortable doing so. 
In the meantime, there is now a new billing cycle and I have a payment due, but they will not tell me what the due date or amount due is. If I don't make a payment, it will harm my credit, but I have no idea what to pay or when to pay it. 
I am extremely concerned that they have lost or are mishandling the copies of my social security card and driver 's license. And they are definitely putting my credit score at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Delinquent account underwent three transfers over a 7 year period : from XXXX XXXX  to XXXX XXXX/LOANCARE to LOANCARE. Each time the account was transferred it received a new account number. As a result, the delinquency is reflected on my credit report beyond the 7 year time limit because the account last received a new account number in XX/XX/XXXX, making it look like it was a newly reported delinquent account at that time. Date of first delinquency is XX/XX/XXXX, and this account should be removed from my credit reports as directed by the Fair Credit Reporting Act. 

Thank you in advance.
Product: Checking or savings account

Chime has been giving me the run around asking me for documentation when all documents have already been submitted. For example, they asked me to submit my last four ssn 4 times when Ive already submitted twice already. Incident occurred on Friday XX/XX/24. Then they asked me to submit an identity theft report which has been uploaded to their system on Saturday XX/XX/24. Today, I was asked to submit an identity theft report AGAIN when it was already uploaded into system and confirmed with customer service rep that it all documents have been received.
Product: Credit reporting or other personal consumer reports

I checked my credit report and i never authorized Cons or any other company to view my credit report please remove these inquiries.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Hard inquiry XXXX XXXX ( XXXX XXXX ). to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with TransUnion to add a statement to my credit report with no success!. I either get locked out in the middle of typing my statement, or I get notifications that I am adding in unallowed characters, or I am told after I actually get to hit the submit button for the statement that their site is temporarily unavailable. At one point after attempting to log in it took TransUnion seven ( 7 ) hours to send me am Authorization Code that is valid for only 20 minutes. And it went through the steps of trying to get this code several times. 

It seems that TransUnion is intentionally stopping me from entering my consumer statement. I don't know if they work together with the collection agency, but it really feels so in this case!!! This is a dispute that is fairly new and not my debt, and I would like to address this as soon as possible, but TransUnion is not allowing me to. 

This debt is my son 's. I signed a lease along with him. The lease expired XX/XX/2022. I never lived in the apartment. At lease expiration my son continued in the apartment month to month and any charges after XX/XX/2022 I am not responsible for. 

Would you please help me to enter my consumer statement onto the reporting bureau 's website.
Product: Prepaid card

On XX/XX/24 I purchased a Money Order at XXXX with 2 XXXX XXXX. The money order failed to print. I worked with XXXX management at the store and was told that the money would be automatically refunded to the card. I contacted XXXX XXXX support at XXXX. I was told my case number was case XXXX and any emails can be directed to XXXX. I was told that I would be receiving a form. I have not received the form and not received any emails either even after asking for an update on my case. Now when I try and access the card online it gives an error message. 

Two cards are the following : XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I use the pay anyone feature in my Chime app to send {$720.00} to my sons mobile number but to my dismay when I entered my sons mobile number nothing showed it was just his number and it said to confirm pay so when I hit confirm pay the payment was sent and then thats when a name pops up a name of a person that I do not know it was the name to the person that still had their chime account linked to the phone number that I was just issued on XX/XX/XXXX I sent chime the documentation that they asked me for which I then reached out to the recipient requested the money back and they didnt reply back I also sent them a receipt of when the number was issued so that they could see that I didnt know the person that was still connected to my sons account iContacted chime immediately they did nothing about it I told chime that I could verify the phone number they sent the money to wrong recipient it went to the account not the number. put that they sent the money to because the recipient was the wrong person yet they did nothing about it they tried to contact the person on the other end but they couldnt get in contact with her because she didnt have the phone number any longer the number was just issued to my son which is XXXX and wasnt old enough for a Chime account Chime refused to give me provisional credit why why they investigate the matter which they said it will be thoroughly investigated by XX/XX/XXXX but this was just XX/XX/XXXX I feel that the recipient should be at fault as well because she saw that I requested the money back a million times its unfair and is just not right chime denied the dispute immediately without even thoroughly investigating because if they sit down and looked at the facts then it wouldnt be an issue or error on me yeah I also sent chime to where you know every time the recipient try to make a a purchase or a transaction it will come to my phone number and she was trying to spend my money on {$100.00} on TikTok or you know Im saying I was blocking the transactions because I still had the number but I didnt have access to her chime account and I show chime all of this a team member even checked and saw that them that I entered a mobile number not a member chime member into my app and saw that the money went Straight into the account I didnt pay through my checking account I paid why enter my sons mobile number that I was 100 % sure belong to him
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : EQUIFAX DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX : XXXX The account balance is incorrect, please delete. 

XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX : XXXX The first date of delinquency is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE / UPDATE the above accounts as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This to me is crazy. So. 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. 
Equifax has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - 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. 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 Postal Inspection Service, 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 report included this language but Equifax 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 ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, REVCO SOLUTIONS, INC.AccounXXXX 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
Product: Money transfer, virtual currency, or money service

My daughter was purchasing a puppy through a website. After 21 email exchanges with questions with the person ( including questions, requests for references, videos, etc ), they sent a contract that my daughter signed ( after I reviewed it ). Then we initiated the transfer of money through Zelle ( through our bank XXXX   ). I assumed Zelle was safe since it was linked to my bank account. Then they asked for more money, and once they did that, I knew it was a scam. This is not acceptable and we should get our {$600.00} returned. I have contacted Zelle and they just want to say that Zelle should be used with a trusted source. But we had a contract, which would imply a trusted source. 

In addition to the contract that I have provided.. I can provide all email documentation and texts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /   17  - Applied for revolving credit form  XXXX   XXXX  /   XXXX    XXXX / XXXX / 17  -  XXXX   XXXX   ( via letter ) de clined my request stating the report they received from Experian shows my total credit obligations when compared to the total annual is too high  XXXX / XXXX / 17  - Spoke with  XXXX   XXXX   XXXX   XXXX  and was advised that Experian is reporting my total monthly credit obligation is : {$8400.00} + This is incorrect. In-fact, my total credit used a nd total credit obligation within any given month for the past several years does not exceed a couple hundred  dollars  XXXX / XXXX / 17  - Send a letter to Experian to dispute the erroneous reporting  XXXX / XXXX / 17  - Filed dispute with CFPB
Product: Mortgage

Last year I contacted Sterus, Inc. about my inability to contact them with regard to my mortgage modification I have with them, I was not receiving documentation and was unable to send communication or speak with key departments, such as escrow or insurance. After about three months of this last year, the communication was fixed and I did receive my documents and the link on my account with this company seemed to be corrected. 
In XXXX, 2015, I contacted customer service to discuss my insurance which is included in my payments, actually thinking I was speaking to Seterus, Inc., but in fact was speaking to an outsourced divison in NC. In any event, they failed to take down my notes on insurance changes and no one got back to me. My new agent tried to handle this for me and they refused. I was trying to reduce the cost of my insurance to keep my payments the same or lower because I am on a low income. The current insurance company continued to raise their rates and its almost XXXX a year. I found a company to do the same thing for XXXX. After the phone call from my new agent, I called to speak to Seterus and they advised that an escrow analysis is currently under way which means that the negligence of the call center may cost me my house. Also I have notified the company more than once, that it was my intention to change insurance to keep costs down. So today when I called I was upset to find out not only did they refuse to pay the new insurance, they had paid the old one early. In speaking to the insurance department ( customer service did not help me at all here either ), I found that if approved the new insurance it would create a deficit in the escrow that would drive my payment up to an amount I could never afford. I needed to send a message to the escrow department to either hold the escrow analysis for a month or simply ask their advice on this matter since it is their common practice and it does DIRECTLY IMPACT MY MONTHLY PAYMENT ARRANGEMENT WITH SETERUS. 
I asked the supervisor ( XXXX XXXX ) to notate his refusal to contact the escrow department, or his refusal to make notes for the escrow department and also to contact yet again the IT department for the website, so I can send a letter via email to Seterus. 
I need to speak with them directly to clarify how to handle this expeditiously and keep my payment down. It just seems to me that they are trying to take my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, IL. XXXX Date of Birth XXXX Social Security : XXXX Current Date : XXXX Re : Medical Violation To : Equifax Concerning : XXXX XXXX XXXX XXXX XXXX XXXX checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. THIS IS CONCERNING ANY AND ALL XXXX XXXX XXXX XXXX. Thank you for your time and help in this matter. 
Thanking you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

This loan was fraud, they used my car title as part of the loan and repossed it when payments stopped. During the time I was paying the original principal amount of XXXX and then it turned into XXXX $ and there excuse was, it was a " Computer loan '' something I never heard of. A agent even admitted that it seemed like my loan had 2 loans and the agent did not kno what was going on. I recently asked both One Main financial and XXXX  for a copy of my 1099-c since the loan has been written off and charged off. XXXX replied just saying nothing will change in my credit account and One Main has not responded.
Product: Mortgage

As a  XXXX  veteran, I applied for a mortgage loan through NewDayUSA for a property my wife and I have been renting for 5 years. From the very start, I was suspicious, because he asked me my race. When he ran my credit, he said it was n't sufficient after giving me my scores, which were  XXXX ,  XXXX , and  XXXX . I know this to be inaccurate, which I expressed to him. So, from there the harassment began ... I was constantly faxing the same documents over and over again to him. During the process, I had to prove my wife pays  XXXX  of our  XXXX  car notes. I provided proof she does, and had been for  XXXX , not to mention  XXXX  consecutive months of payments. All the payments were current!! ... with none being late 30 days or more. Truthfully, she would split some of the payments up, but it would all be in the same month. In addition, we had to submit her bank statements, showing the money was coming out her account. They also wanted us to contact the lender, and get a transaction history to sent to them. Please keep in mind, when they ran my credit, it shows the loan to be current, because my name is on the car loan. The purchase price of the home loan is {$60000.00} and my monthly income is {$3800.00}, so I was just FLOORED when he called me on  X/XX/2017    and said ... '' we 're unable to move forward with the loan ''. After meeting ALL the requirements, this is a slap in the face. I say this, because the underwriter 's reason for the loan disapproval was, my wife might stop paying the car note for some reason. THIS IS LUDICROUS!!!