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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account # XXXX with XXXX XXXX. 
Despite multiple requests for correction, including letters dated XX/XX/year>XXXX  and XX/XX/year>, my requests have been ignored. Both XXXX and XXXX have already removed the inaccurate late payment from my credit report after confirming the error, yet TransUnion continues to report this inaccurate information, negatively affecting my credit score. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reported by TransUnion suggests a failure to comply with this requirement. Additionally, under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information in consumer files, which has not been upheld in this case. 
TILA Violations : The Truth in Lending Act ( TILA ) requires accurate and timely disclosures to consumers. The continued reporting of an inaccurate late payment by TransUnion has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Evidence of Removal by XXXX and XXXX : Both XXXX and XXXX have removed this late payment entry due to inaccurate information provided by XXXX XXXX Their actions further prove that the late payment should be corrected or removed from my credit report with TransUnion as well. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the relevant agencies. 
RESOLUCION Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). This provision requires consumer reporting agencies to permanently delete any adverse information on a credit report that resulted from being a victim of human trafficking. 

Under FCRA 605C, upon receiving appropriate documentation substantiating my status as a victim of human trafficking, TransUnion is obligated to : Permanently delete all adverse information linked to this trafficking from my credit file. 
Ensure this information is not reinserted or accessible in any way within the report. 
Despite my submission of the necessary documentation, TransUnion has failed to comply with this legal mandate, resulting in ongoing harm and financial difficulties. I request immediate action to permanently delete all applicable adverse information from my credit report in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have disputed XXXX XXXX XXXX three times providing documents and even going lengths to even calling about the negative account that I have no knowledge of or never opened. There has still been no resolution pertaining to the fraudulent account, I have even taken action to freezing my social security because of this infraction. I have also been through a major loss in my family resulting in the death of my sister and have not or wouldn't have been able to create an account in the area it was made in because I moved for awhile I told the rep who was unable to assist or help me with this issue. 
Below is the account that needs to be deleted. 
XXXX XXXX XXXX - XXXX XXXX AMOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to a recently closed case # XXXX that XXXX XXXX responded to. They denied any wrongdoing in violating the provisions of FCRA and once again I ask that CFPB comply with 15 USC 1681 ( n ) and any other Liability for damages of which I am owed due to their willful manipulation of the balance owed in order to re-age and negatively affect my credit worthiness. Not only that but to remove these harmful account from my credit report or any other other accounts reported by Equifax and XXXX : XXXX in the amount of {$2600.00} and XXXX in the amount of {$2100.00} or or what was {$2100.00} reporting from Equifax. Also to be removed from XXXX but reporting different account numbers XXXX and XXXX. ( 1st proof of manipulating data- the changing of account names ) XXXX XXXX XXXX XXXX or XXXX responded that account # XXXX now on showing as XXXX in XXXX they purchased this account and sent a letter in XXXX. I have never received any letter from XXXX until I started to dispute these accounts which they have used aggressive and illegal practices. I have attached letters and my copies of my credit reports showing deliberate re-aging since XXXX Letters range from XXXX XXXX XX/XX/XXXX where they reported changes and one clear change is the amount. Letters stated debt was purchased for {$2600.00} but on my credit report its {$2600.00}. Each time I dispute, they're-age the account and it drops my score drastically. They deny any claims of wrongdoing but how can you report a change in the balance without real payment? How does Exuifax and XXXX notify me of a changes on the account only to re age the collection account by reporting that a change was made to the account. I noticed this was usually when I disputed the account, shortly after the open date changes and the last reported date changes but there was no actual change to the account. 

XXXX is currently under investigation for these practices and are illegally manipulating my accounts and the balance reported among other things. You will see how they are violating FCRA and causing me financial damages. which XXXX have been reported of doing. These unethical and illegal practices are in direct violation of several provisions of FCRA, including but not limited ton 15 USC 1692e - False or Misleading Representations XXXX responded in the last complaint that they can not control the way in which consumer reporting reports the information furnished yet willingly furnished that information. 

I'm asking that Equfax and XXXX stop validating this debt based off of an itemized bill that the account was opened in my name and my social. I have even gotten a police report on XX/XX/XXXX XXXX # XXXX but even prior to this I provided ample and strong evidence supporting my rights are being violated through illegal data manipulation. I have provided letters and copies of how my disputes are ignored and reports are reporting changes in a different amount and account numbers. 
Equfax and XXXX mark my account as to be ignored and this is costing me financially and health wise and I want compensation for these violations.
Product: Credit reporting or other personal consumer reports

this company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me XXXX XXXX XXXX {$1400.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

It looks like someone has accessed my credit report. Once more, I discovered a lot of things that I do not own when searching through my files. Due to my meticulous study, I discovered that credit bureaus are legally obligated to remove any things that are determined to be fraudulent as a result of identity theft, as stated in section 605b of the FCRA. I am not the owner of the contested objects. Please take these things out. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through XXXX who sent me a letter stating the Experian or XXXX  never responded to their request. XXXX, Experian nor XXXX   has sent me the Method of verifying this information.
Product: Student loan

I was advised by customer service agents at Navient on XX/XX/XXXX that I needed to consolidate my loans in order to utilize the public service debt relief act. Following their instructions, I consolidated my loans. I then called them on XX/XX/XXXX to confirm that I could now resume my enrollment in that program. I was informed by an agent at that time that by consolidating I had wiped out all of my previous service under the public service debt relief act, and would have to start over. I have the documents for my consolidation, none of which state that I will lose credit for the payments I had already made through the public service debt relief plan. Clearly, Navient is issuing bad advice and bad documentation, and is contributing to the financial ruin of public servants. I would like to offer to join in the XXXX suits already in progress, or to offer evidence for the suits. Thank you very much.
Product: Money transfer, virtual currency, or money service

My cash app user name is : $ XXXX My phone was stolen earlier this month ( XXXX ) and I filed a formal police report, I was able to recover my phone and once I did, I noticed several funds missing from my cash app account. I then reviewed the itemized transactions and I noticed that I same individual that stole my phone ( XXXX XXXX ) was listed on several of my cash app transactions along with another individual that I don't know named ( XXXX XXXX ) my phone was used to iniate funds transfers from my cash app account to XXXX XXXX and XXXX XXXX for a grand total of {$2100.00} my account was almost completely wiped out. I immediately filed a police report and contacted cash app with the confidence that they would investigate the matter and issue my funds back to me, and per federal guidelines provide a provisional credit for the funds while the investigation is ongoing. I have not been contacted by cash app requesting any further info from me, they haven't asked for a police report number or anything whatsoever. I'm not sure how they can possibly conduct an investigation with very little information. If that's the only info they want to conduct an investigation then it's virtually impossible to not approve my claim and resolve it in my favor because any other outcome besides that would advise me that no investigation could have possibly been conducted and I would hate to find out that they just deny most claims without any type of investigation. I demand some answers, I request and demand a provisional credit while the investigation is in process. I've also submitted an affidavit stating that I had nothing to do with these funds leaving my account and these transactions were completely unauthorized.
Product: Credit reporting

I have a judgement on my Trans union and XXXX accounts and I 've stayed with my parents since XX/XX/2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible as possible.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Late/Open Inquiry in Dispute : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX uses Synchrony Bank for credit services. On XXXX, I paid a {$140.00} payment. On XXXX the payment was cleared and accepted, but with a {$20.00} insufficient funds charge. If the {$140.00} payment was processed clear to Synchrony Bank, how is Synchrony Bank authorized a {$20.00} insufficient funds charge for funds paid? If I have overdraft protection from my personal bank that protects overdraft, any {$20.00} fee for insufficient funds would be a stated matter of my banks overdraft protection agreement, not a cash snatch from Synchrony Bank who in fact was sufficiently paid now with an unauthorized extra {$20.00}.
Product: Debt collection

HRRG contacted me on my cell phone and left recorded message saying they were a debt collector and I needed to call them back at XXXX XXXX. I called back from my house phone and girl ask for my cell phone # to look up what the debt was. I gave it to her and she stated that there was no info on me. She ask for my social security # .... I said absolutely not. This ended the phone call. They had no reason to call or ask for my SSN. I do not have any outstanding bills. This struck me as a fishing for personal info call. The # that called my cell phone XXXX and ask me to call back on XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Product: Debt collection

Debt was paid in full, Credit line was opened XX/XX/XXXX and last reported on credit on XX/XX/XXXX. Under the Fair Credit Reporting Act, We never received any written, oral or email notification that this account was going to collection or would be reported to the credit bureau.
Product: Checking or savings account

When I use my credit card or ATM card associated with Bank of America outside of the State of North Carolina or outside of the city of XXXX, they decline the use of the card and consider it Fraud. I have contacted them and explained to them that I am either ordering something on-line or making a subscription purchase, but by then they have already declined the purchase. It seems that they have a very sensitive computer assigned to our account and we can not seem to get it removed. This has been going on for over a year now. Basically, they are denying me access to my funds and not allowing me to spend money from my credit card or access my funds associated with my ATM card and checking account every time they block our ATM card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

the credit bureaus failed to do a proper investigation.I still haven't received notice of investigation listed at my proper address 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Product: Credit reporting or other personal consumer reports

Ask for a 1099-c form. got denied.
Product: Payday loan, title loan, or personal loan

This company has been offering me loan since two years now and I 've told them I do n't want a loan, due to their disturbances I succumbed and requested a loan from them sometime this year which they denied, and instead of stopping to disturb me about their loan, they still continue to fill my mail with their letters of loan. I have called them severally to stop disturbing me, Ive warned them next time I received a mail from them I will report them, still they kept disturbing me of a loan, is it by force to get a loan. For XXXX 's sake I do n't need their money, they should stop disturbing me.
Product: Credit card

Synchrony bank closed our Amazon card without cause and did not notify us before closing it to give us an opportunity to fix the problem. 
1. I made a large payment of over {$3500.00} using our debit card. Then the same day the debit card had a fraudulent charge on it and the card was closed. 
2. As soon as I realized the closed debit card was not paying the {$3500.00} payment, I got on line and used another credit card to make the large payment. 
3. Then without notice, Synchrony closed our Amazon card I just paid off in full and fixed the card issue to pay the account with. They closed my Amazon card and took away all of the points I had too! 
4. This was completely uncalled for and wrong to do to us. We paid that card off ever month in full and our credit rating is at least XXXX ; so there just was no justification to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2018. My husband filed for XXXX  XXXX bankruptcy protection. Because of this I had a credit card that was erroneously closed because my husband was an authorized user. The creditor, XXXX XXXX, at that time immediately closed my account and reported the account as charged off. 

Under standard bankruptcy law. Once a debt is under an automatic stay. All collection activity must be stopped. Reporting accounts as anything other than included in bankruptcy would be a form of collection activity. As the creditor is clearly trying to compel payment of said debt by reporting the information in a negative fashion. 

While Ill agree this is not my bankruptcy. The creditor chose to include themselves in this bankruptcy. My husband was an authorized user on this account and his information was never used in the determination for credit approval. This account up until this moment had always been paid in time with no negative reporting taking place. But XXXX upon learning of my husbands bankruptcy opted to show at the meeting of the creditors and opted to include this debt and in his bankruptcy. By doing so they subject themselves to the requirements of the bankruptcy. They are obligated under the bankruptcys automatic stay to cease all collection activity. 

I have tried on multiple occasions to dispute this item on my credit report. I have presented evidence to the credit bureaus that this item was included in a bankruptcy proceeding. However nothing is ever completed or updated accordingly. This item continues to report as an active charge off on my credit file. Even though XXXX clearly expects to be either be paid or discharged through this bankruptcy proceeding. 

This item should be removed as being wildly inaccurate concerning my payment history. As I have paid this account on time every month. It wasnt until they chose to subject themselves into a bankruptcy proceeding that they closed the account and reported as a charge off. They could have opted to remove the authorized user and keep the account open and continued receiving payments.
Product: Credit card

There were fraudulent charges on my Apple card. Goldman Sachs refuses to resolve the dispute in my favor. 
Goldman Sachs refuses to allow me to speak with anyone who can actually do anything. 
Goldman Sachs is impossible to communicate with.
Product: Debt collection

LVNV Funding LLC Amount {$640.00}. Don't owe a debt to collection agency. They have a charge off and need to provide a XXXX form for filing a right off to IRS. Please remove from my credit reports immediately. Late email was XXXX.