23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the TransUnion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TRansUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit card or prepaid card

The account balance was paid and there was a request to close the account. 

Instead of closing the account, there was some fee added then no statements were sent until the account was six months in the rear with late fees and interest. 

A closed account that had a XXXX  balance cost {$260.00} to close a second time. 

This is not right. Its a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXXx and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a dispute letter to Equifax regarding an account on my credit report by the name of XXXX AND XXXX. I informed Equifax that they were reporting inaccurate information because I have never been late on this account. XXXX and XXXX are not reporting any late payments for XX/XX/2023, so I am confused as to why Equifax is furnishing this incorrect information. I have already asked your company to validate the inaccurate reported late payments and you have failed to do so in over 60 days which is a violation of the FCRA and negligence. Please see the attached dispute letter and remove the aforementioned account and unauthorized inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit card

Hello, I applied for a Capital One creditcard back on XX/XX/2023 acct number XXXX and I was denied, but upon further investigastion Ive found a mistake. 
Regardless of the reason of my denial, I have a right to credit, and withholding my access to my securities is securities fraud. You are violating The Equals Credit Opportunity Act, and The Consumer Credit Protection Act.
Product: Credit card or prepaid card

THE CARD WAS CLOSED IN XXXX WITH BALANCE CREDIT IN FULL AND THE CARD IS STILL CHARGING FEES IN XXXX. THERE WAS A DISPUTE WITH THE MERCHANT THAT WAS CREDIT IN FULL IN XXXX. THIS CARD SHOULD NOT STILL BE CHARGING FEES. THE CARD WAS CLOSED IN XXXX. THIS IS RUINING MY CREDIT AND IS NOT FAIR PRACTICE.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXX - {$0.00} XXXXXXXX XXXX  - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Money transfer, virtual currency, or money service

I did a Wire transfer in Bank of America, they called me about security alert and I told them Yes I did the transfer, but I called them in order to cancel it, I ve been calling several time, an anyone is able to help me. The amount is XXXX usd.
Product: Debt collection

ccount info Account name XXXX XXXX XXXX LL Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$420.00} as of XX/XX/XXXX Monthly payment - Original balance {$420.00} Highest balance - Terms 1 Months Payment history XXXX This company bought a debt from a credit card company I never signed anything with them giving them the right to create this account. It is listed as a collection even after I paid it in full, it shows up as negative item on my credit report. They bought the debt but it is fraud to open up a new account to the company who bought a debt without my permission and created an account under there letter head without my permission, I have asked them to correct it they refuse
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im looking for an apartment currently. Credit is a big deal with this. TransUnion has my credit score almost 40 points below the other two credit bureaus of XXXX and XXXX  and they are always the worst about accurately reporting and updating information without constantly calling Them and having Transunion help me and then telling people the same story and giving evidence and info over and over only to have the transunion service people reply without even hearing or understanding and have such non -English speaking customer service people answering phones they are reading out of book from overseas and have not helped me repeatedly fix their mistakes that negatively impact my life. What about a class action against this company for harm they cause reporting wrong things? This should be illegal. It wasnt my fault that there are so many mistakes on my transunion records and when they check with Snail slow speed no matter how many disputes they say they check and update none have been corrected but XXXX  fixes it and XXXX  too. Transunion has old student loans from grad school Shown on my report still like I didnt pay them today and I have not touched them in fifteen years and the the info they have about anther debt isnt even me but a relative in the hospital and its not me. I provided to transunion who my relative was and the info and They had the paperwork, they still have not corrected it although i think it got sent weeks ago. XXXX  and XXXX  fixes the problems but not Transunion. For me, for two more weeks they still haven'tj corrected errors. Why do consumers have to put up with transunion and why does any one out there go ahead and just ban them or find out why they are so less accurate then the other credit bureaus? how to stop transunion hurting peoples chances for a better life and less expensive decisions They need to be shut down. Shut down Transunion
Product: Debt collection

All XXXX credit bureaus is showing several different information. XXXX is showing a balance of {$190.00} with XX/XX/XXXX being my last activity date, XXXX is showing a different last activity date of XX/XX/XXXX while XXXX is showing a balance of {$200.00}. Please investigate and delete.
Product: Vehicle loan or lease

I was not informed of any alternative options for managing my car payments before being placed on the repossession list. I believe it is important to highlight that I was not given an opportunity to explore or discuss potential solutions that could have prevented this outcome. Clear communication and transparency regarding available options would have allowed me to address the situation more effectively and avoid this issue.
Product: Credit card or prepaid card

Even during global pandemic, your company reports late payment during these trying times. I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Product: Checking or savings account

I have been a customer with TD BANK for about 10 years. This bank used to have better customer service than today. Now is terrible and reps and managers they think they don't need to respond when a special request is made. At my local branch in XXXX XXXX XXXX I have been trying to get new {$1.00} bills for months now since XX/XX/year>. I have been told they have been ordered, will tell you when they arrive, etc. The issue is that the bills never came or nobody ever responded to me in my emails to XXXX XXXX, XXXX XXXX, etc. These individuals have demonstrated a lack of professionalism by not responding to emails, promising the bills but never delivering the request, or just getting lost. I think as a bank they have a duty to provide requests from customer when possible. But in this case this bank never provided the bills {$1.00} new as requested for many months. But only misleading and deceptive emails I was given. This is just one request that I made. Imagine if I requested other products who knows what their excuse would be. Last email I sent was to XXXX on XX/XX/year>, XX/XX/year> and no response whatsoever. I don't what is going on at this branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My credit dropped fifty points due to a report from Great Lakes borrowing per XXXX, and there are no details present. My account was put into automatic forebearance due to the CARES act, and I was under the impression that the report from this company to the credit companies should show " on time. '' Please advise and help. This issue happened seemingly overnight, and I want my accurate credit correct on my next report ASAP. I can not submit a claim to XXXX  until I am off of work on Thursday during their business hours, as they are not allowing online claims to be submitted. I also filed an online claim with Great Lakes. 

Thanks in advance, XXXX XXXX A Frontline XXXX
Product: Credit reporting or other personal consumer reports

TransUnion does not allow me to login to their Service Center, which makes all essential operations with my credit report very hard and time-consuming. 

XXXX. they've sent me my credit report via mail ( which I have not requested btw, as I consider this unsafe to send a lot of personal information in an envelope via mail ). While reviewing the credit report, I noticed a phone number, which I never had ( I think, it is a typo as it contains digits from my real number in wrong order ). 

Now I want to submit a dispute to correct this information, but I can not, because TransUnion blocks me from logging in to their Service Center, and the only way to dispute the mistake online is via logging in to the Service Center. 

And I am not going to waste my time and money by sending mails or calling their phone support, which is time-consuming, non user-friendly, unreliable and generally useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband died XX/XX/2022. I was mistakenly reported as deceased, apparently when my husband was appropriately reported deceased on XX/XX/2022 by XXXX XXXX XXXX. I was not aware until contacted by XXXX that my credit application was denied due to my being deceased. I have communicated with XXXX XXXX XXXX, as well as XXXX and Experian. 

I am attempting to further establish/augment credit in my own name. I have been denied credit cards by XXXX, denied continuation of our XXXX XXXX cards, and by XXXX  XXXX XXXX. My FICO score today is XXXX, but assume adversely affected when applications have been denied. I have understood these declinations remain part of my report for 25 months. 

Thank you. XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I sent CareCredit/ Synchrony Bank a letter demanding them to verify an alleged debt on a open-end consumer credit plan account that I opened on XX/XX/2022. They received my letter on XX/XX/2022. I received a billing statement from CareCredit/ Synchrony Bank showing a new balance of {$1900.00} they are alleging I owe them for the extension of credit I'd used. Pursuant to 15 usc 1692g ( b of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer request verification of an alleged debt, the creditor is required to cease all collection activities of the disputed amounts. CareCredit may have billed me after received my certified letter, which would be a violation of this statute. As a result of receiving the billing statement, I'm sending them a cease and desist notice pursuant to 15 usc 1692c ( c ) of the FDCPA. In the notice I'm also notifying them of a billing error in the amount of {$1900.00}. Pursuant to the Truth in Lending Act ( TILA ) 15 USC 1666 ( b ) ( 4 ), CareCredit failed to properly reflect on the statement a credit issued to me, and instead tried to deceive me into believing I owe a debt on my own extension of credit.
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 Account # XXXX, has violated my rights. 

XXXX XXXX colle Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # 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: Student loan

I currently owe $ XXXX in student loans to Navient. My regular monthly payments are auto drafted monthly, and I am a month ahead in my payments. 

My company has started to make monthly payments on my behalf for {$150.00}. 

My due date is the XXXX of the month, and for XXXX, the payment was made on XXXX. 

As of XXXX, my next payment due is not until XXXX, but a payment will be processed around XXXX. 

My employer sent the first additional payment of {$150.00} to Navient and it wwas posted to my account on XXXX. The entire amount was applied to interest. I want the amount applied to the principal balance on my smaller loan. 

I called Navient on XXXX and spent XXXX minutes on the phone arguing about daily accrued interest. 

Navient told me that the only way I could make a true principal payment would be to make the additional payment on the same day as my monthly payment so there would not be any daily accrued interest due at the time of the payment. 

So now I'm stuck with the entire additional payment being applied to interest and nothing going to principal. I'll probably still owe on this loan when I die.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid account from XXXX XXXX I sent Experian the paperwork and it is still reporting as accurate when it is not. There was no investigation done.
Product: Bank account or service

Bank of America juggled my transactions in order to maximize the number of overdraft fees they could charge me.
Product: Credit card

XX/XX/year>, PayPal credit account opened without knowledge or consent.
Product: Student loan

I am receiving student loan repayment through the Department of Defense ( DOD ). A lump sum payment was made in XX/XX/XXXX on my behalf. According to PSLF rules : " For each lump-sum payment made by the U.S. Department of Defense ( DOD ) toward your Direct Loans as part of one of the student loan repayment programs it administers, youwill receive credit for up to 12 future qualifying payments for PSLF if you also have qualifying employment during those future months. '' This payment was applied as one lump sum, leaving me with a payment due for future months. I have contact Mohela numerous times via phone and message requesting this. I receive automated responses online that do not address my concern. When I speak with them via phone, I have been told it is being worked on, but it is not being fixed. My last contact they indicated that they see it has not been completed correctly and were still working on it. I have been requesting this be fixed since XX/XX/XXXX and my payment still has not been adjusted. I am in the PSLF program and my account is now past due as they have not readjusted the payments, and they have put my account into forbearance claiming I have past due payments. The forbearance needs to be removed back to start date as now my payments are not counting for PSLF due to the forbearance, and my payments still need to be reapplied. The lump XX/XX/XXXX sum payment was {$6900.00}, which should have covered 12 of my monthly payments, making my account paid in full through mid XXXX. This needs to be reapplied immediately, forbearance removed ( backdated ), and my XXXX count months updated appropriately. The dates of my contact with them via message were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contact them via phone XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( and possible other occasions, which I did not track ). I have received notices from them that " my payment schedule has change, '' however it is never correct. I have attached screenshots of contacts via phone and message, billings showing past due amounts, a forbearance letter, the PSLF DOD lump sum payment policy.