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

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Transunion consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of Investigation. 

This are the account that I've marked as inaccurate : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - SummaryXXXXTransUnionXXXX Last Updated XXXX XXXX Pays account as agreed TransUnion XXXX, Paid or paying as agreed XXXX Payment Status Current account/was delinquent 60 days past due date XXXXClosed XXXX ( Revolving ) Accounts - negative accounts - closed - SummaryXXXXTransUnionXXXX Last Updated XXXX XXXX, Pays account as agreed Transunion XXXX, Paid or XXXX as agreed XXXX  XXXX Paid account/was delinquent 90 days past due datePayment XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - SummaryXXXXTransUnionXXXX Last Updated XXXX, Pays account as agreed Transunion XXXX, Paid or paying as agreed XXXX XXXX Current account/was 30 days past due date two times XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Accounts - XXXX accounts - SummaryXXXXTransUnionXXXX Last Updated XXXX XXXX, Pays account as agreed Transunion XXXX XXXX XXXX XXXX XXXX as agreed XXXX XXXX Current account/was 30 days past due date XXXX times Credit Inquiries Credit Inquiries XXXX SummaryXXXXTransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am writing to express my utter exasperation and disbelief at the complete and utter incompetence displayed by your bureau in handling the fraudulent account that continues to plague my credit report, despite numerous previous complaints and escalations. It is with mounting irritation that I must yet again bring to your attention the ongoing nightmare I am experiencing due to your ineptitude in resolving the following issue : XXXX XXXX PLEASE DELETE!!! 
This fraudulent account has remained on my credit report for an extended period, causing immeasurable damage to my financial standing and an insufferable amount of stress in my life. I have lost count of the number of times I have raised this issue with your bureau, providing an overwhelming mountain of evidence to prove that this account is fraudulent and should not be associated with my credit history. It is mind-boggling that despite this undeniable evidence, your bureau continues to display a shocking level of indifference, incompetence, and disregard for my rights as a consumer. I can no longer tolerate the blatant negligence and incompetence exhibited in handling this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My discover card XXXX is not being reported on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report again and the inaccurate late payment history is still on my credit report.
Product: Bank account or service

I bank with M & T and I told them several times that if my checking account does not have enough funds in it to pay for items or services, not to pay the bill or allow bill collectors to debit my card. I want to opt out for the bank to cover fees not in my bank.I signed a form for this at-lease three years ago. 

On XXXX/XXXX/2016 XXXX EFax services ( XXXX ) XXXX debit my card before my trial period is up without my authorization for XXXX and on XXXX/XXXX/2016 XXXX XXXX XXXX did the same thing in the amount of {$28.00}. I owe the companies money, but they debit my bank card. I normally pay for my services and items on line. 
My complaint is I do not want M & T bank to pay for items or services when the fee is not available. I want to stop creditors from billing my card without my permission. I spoke to the bank on several occasions about this and even signed a form. I want card protection to authorize withdrawal upon my approval.
Product: Debt collection

On XX/XX/2023 Rise Credit sold this debt to XXXX XXXX XXXX and today the debt was settled, and the confirmation number is XXXX. I am asking that being that the debt has been satisfied that you all delete the tradeline off of my credit reports. XXXX XXXX XXXX has agreed to delete the tradeline off my credit reports and I am asking that you do the same. 

I have attached the correspondence between the XXXX XXXX XXXX and I in regard to satisfying this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX number XXXX, XXXX XXXX XXXX Account number XXXX have 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: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, 2017, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.
Product: Credit reporting or other personal consumer reports

Below is the letter i sent to the company and the reporting third party companies XXXX and XXXX, This letter is to inform you that COMENITYCB/FORVER21 is in violation of multiple laws set forth by Congress 15 USC 1681 in reporting information solely as to transactions or experiences payment history, charge-off status, between the consumer, which is me and the person which is COMENITYCB/FOREVER21. 

Per the FRCA as a federally protected consumer, I am now opting out of all authorization I the consumer unknowingly gave you, written, unwritten, verbal, and non-verbal per the 15USC 6802 and 16CFR 313.7 effective immediately and indefinitely to report my information to a third party, and non affiliates such as XXXX, and XXXX. That is a violation of The Privacy Act of 1974. 

Also on my report this account is reported as a charge-off in the amount of {$590.00}. Charge -offs are sold to a third party debt collector which is considered a certificate of indebtedness, according to the IRS Publication and once it is sold the debt no longer belongs to me and it is considered income. A charge off is Income and income can not be reported on a consumer report. Yet I have not received a 1099C regarding this account that your company has filed on my behalf, so I can do my taxes properly. 

Update the account as paid as agreed and send the 1099C that your company filed to the address above. 

Also there are several inconsistencies which is another violation with the dates of last activity, and the dates of when the account was opened. According to 15USC 1681, the purpose of the Fair Credit Reporting Act is to be accurate and fair and it definitely isnt either. 

Update my report with the above laws, correct this Charge-off account, and or remove it from my report. 

This company has not responded but continue to report misleading and false information I request the CFPB to investigate this matter thoroughly and take appropriate action for their many violations of federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering that a debt collection company and XXXX XXXX were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. If the company persists in these practices, I will be forced to take legal action. I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX The company Im talking about is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX  XXXX {$140.00} XXXX  XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX  XXXX {$470.00} XXXX   XXXX {$350.00} XXXX  XXXX {$660.00} XXXX XXXX {$660.00} XXXX  XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to XXXX to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to XXXX, Equifax and XXXX over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked XXXX, Equifax and XXXX to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from XXXX, XXXX and Equifax stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX purchased a car loan. 
XX/XX/XXXX lost job. 
XX/XX/XXXX filled volunteer repossession form. 
XX/XX/XXXX vehicle remains at my residence. 
Decreasing credit score and accumulating late fees.
Product: Debt collection

They kept calling me at first and then they started calling my family members. 

In addition - they threatened to garnish my wages and said that there are pending actions against me. 

I do n't know why they are doing this and I feel really stressed out ... In addition, they have n't verified the debt and they never provided me paperwork demonstrating that I owe them anything in writing? 

Please help.
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX closed my account without warning. They are also reporting to the credit bureaus of this action and also late payments, which I did not consent for them to report to any credit bureaus according to consumer law. Further more the card had a limit of {$300.00} and now they are saying I owe {$500.00}. how is this even possible? I never went over my limit.
Product: Payday loan, title loan, or personal loan

I purchased a stereo from XXXX XXXX XXXX XXXX and an amplifier for my vehicle. i was making my payment on time to the leasing company that took the lease for the merchant. Early on in the lease I had a problem with A XXXX XXXX reference XXXX XXXX amplifier. when I took this itme back the merchant gave me problems returning the item in exchange for a new one. the end result was me given a used item off the shelf. Ilef the store no complaints. I later had an issues with an XXXX XXXX car stereo I returned the item and the merchant took it back, they adv me I would get my return receipts via email and text message the same way I got my other documents at time of purchase I said ok and left the store.. A  month later im still being charged the same amount by the leasing company. I put in a dispute with the leasing company to make adjustments to my lease and the leasing company said they were adv buy the merchant that the XXXX XXXX  XXXX was not returned I need help as the merchant is in possession of the property an i no longer have the item. I also explained to leasing company XXXX i want to return the rest of my items to cancell the remaining lease and they refsue to take the items back and make the adjustments for a item im no longer in possesion of. I want to make sure they do not ruin my credit.
Product: Debt collection

I would like for CREDENCE RM to show proof of verification that I owe them {$900.00} with XXXX XXXX  CREDENCE RM is currently report inaccurate information on both XXXX XX/XX/XXXX XXXX XX/XX/XXXX about last date active on the account mentioned above. I would for XXXX XXXX XXXX to show proof regarding Account XXXX As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 

Experian account # XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX but on my report the number isnt provid e
Product: Credit card or prepaid card

I am selfemployed. I had a capital one card for 10 or 12 years. I started using it for my business and I paid it off every month. I had to call after a few years of use because I seen where they had a points thing and I had been missing out for years on thousands of points. That was a little aggravating. You would have thought that them knowing what I was using it for they would have recommended it. Anyways. I messed my credit up when I was young and had finally worked really hard to fix all that. I was getting increases as my business got bigger and bigger. That was awesome. In XXXX the called and asked if I would be interested in getting an insurance that was XXXX on every {$100.00} dollars at the end of the month. Sounds like a good idea so I got it. After a while I forgot I even had it. In XXXX I got into a bind and didnt get payed on a couple of jobs and I was left with over {$10000.00} dollars owed. I forgot I had been paying that insurance all those years and I couldnt make the payments. When I did remember bout it I contacted them and they said it had gone out just a few months after I got it and had only paid like {$9.00} dollars on it. I requested they send me a copy of every monthly statement for the entire time I had their card. 
Needless to say they where lying. I had paid hundreds of dollars over the years on that insurance. Even up until my last statement. It was XXXX XXXX dollars. I also found out when requesting my statements the had the wrong address for me on file. I always paid with my app and never knew it. Also I found out that over the years I had spent hounded of dollars on late fee peniltys cause as I said I paid with my phone and never looked at all that. I thought the payment was on the same day every month so for years every other month or so I was paying a late fee. And on top of that every so many years the fee would go up. In the end I was paying {$50.00} somethin dollars a month every other month or so. Now you would think that they would have seen that and said something but they didnt. 
They said the program ended coincidentally a few months before I got into that bind and they gave another so many months to file but like I said I wasnt paying it by then and I defiantly wasnt getting their mail outs on that kinda stuff. End the end they would not let me file one the very thing I had been paying for all those years when I really needed it. Now when I really need good credit cause of a wife and XXXX children and XXXX more on the way I have bad credit. If yall could help that would be awesome.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, I sent Penfed Credit Union a letter regarding two unauthorized inquiries that they placed on my credit file AFTER is was closed. 

XX/XX/XXXX -- PENFED closed the account due to delinquencies XX/XX/XXXX, and XX/XX/XXXX PENFED inserted inquiries onto my credit file. 

On XX/XX/XXXX and XX/XX/XXXX I received a letter from Penfed stating that they had already investigated my dispute and that they were not going to delete the inquiries because they had permissible business reasons. 

PENFED DID NOT HAVE ANY PERMISSABLE PURPOSE. 

I would like to know why they didn't do an ACCOUNT REVIEW ( soft Pull ) and why they put 2 inquiries on my credit file after it was closed.
Product: Credit card or prepaid card

Purchase an item on XXXX  XX/XX/XXXX for {$240.00}. XX/XX/XXXX i disuputed the charge becuase XXXX shows the item delievered not to my address. 

XX/XX/XXXX i recieved a charback of {$240.00} for the same item. 

XX/XX/XXXX i recieved another {$240.00} chargeback XX/XX/XXXX i called to tell them about the chargebacks and was given a credit of {$240.00} I also intructed that that i never received correspondance about my dispute. They were suppose to follow up with the dispute and haven heard anything in months. I called today XX/XX/21 and i was instructed they will be doijg another dispute. 

Under federal law i the consumer should be protected and corresponse on outcome or progress. 

I am not the only victim here and i hope everyone else use a different payment method than paypal credit/synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX CHILD SUPPORT ENFORCEM Account number # XXXX XXXX & XXXX Account number XXXX XXXX XXXX Account number # 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 an account without my written instructions
Product: Vehicle loan or lease

Credit Acceptance has repeatedly attempted to contact me at a rate of 4+ calls a day, has been informed by them that even after speaking to me in person that collections calls will continue daily even after being informed that it would be in violation of the 7 in 7 law.
Product: Mortgage

Penny Mac consistently misapplies my payments. I generally pay more than the minimum. They apply it all to principal, add late fees, call me for payment, when the full amount+ is always sent in WAY before the due date. Then I have to spend too much time on the phone getting fees reversed and explaining to them how to apply the payment correctly. If it didn ; t cost me money, I would switch companies in a heartbeat.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 XXXX through XXXX XXXX is reporting XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX adr. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX ( reported on my account 2x ) these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval. 

On XX/XX/2024 Equifax through XXXX XXXX is reporting XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX 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 these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.