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

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against TransUnion for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against TransUnion Information Services LLC for failing to investigate my disputes regarding inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Details of the Complaint : 1. Dispute Information : - Account ( s ) in Question : 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 {$3200.00} - Nature of Inaccuracy : I would like to have these accounts removed from my report. 

2. TransUnion 's Response : Despite my repeated submissions regarding these inaccuracies, TransUnion has consistently responded within 24 hours asserting that the accounts are accurate. However, they have not provided me with any evidence or details regarding the nature of their investigation, which I believe is insufficient and violates the requirements outlined in the FCRA ( 15 U.S.C. 1681i ). 

3. Legal Basis for Complaint : - The FCRA mandates that consumer reporting agencies conduct a reasonable investigation into disputes. TransUnions failure to do so not only undermines my rights as a consumer but also suggests noncompliance with the law.

- Furthermore, TransUnions actions may violate the CFPA ( 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) ), as highlighted in the CFPB 's recent administrative proceedings that emphasize the obligations
of credit reporting agencies to ensure accuracy and transparency in their reporting practices.

4. Requested Action : I request that the CFPB investigate my complaint against TransUnion for these alleged violations and take appropriate action to ensure compliance with federal laws. I also seek assistance in rectifying the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XX/XX/XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XX/XX/XXXX I was notified by credit monitoring company I had a late pay added to my file for XX/XX/XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Product: Money transfer, virtual currency, or money service

Last night I went in XXXX XXXX XXXX in XXXX XXXX on XXXX XXXX Someone stole my phone and was able to access to my wallet and stole my money ( he XXXX himself 2000 $ ) and is using my cards to make purchases also. 
I need help ASAP I am not able to access any of my cards and accounts to block them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts 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. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Money transfer, virtual currency, or money service

I had refinanced my home and paid off my mortgage with PNC mortgage on XX/XX/2019. I was unable to stop my bill pay, although I had forgotten to do that then. On XX/XX/2019 an automatic payment was sent to them in amount of {$700.00}. 
I called them to make them aware of the error. I was to.d that they did get the check, but that they had to hold it for 6 days. Why, I asked? It isnt yours to hold, and I dont owe you anything. I was told it was to make sure I had the funds to cover the check?. What? You plan to cash my check? I requested that they simply return the {$700.00} to my PNC checking account. There should be no waiting as the sending and receiving bank was the same bank! Just verify and return ... .click, click, done. For me a 10 day wait is detrimental. I am on a fixed income and this just screwed up my budget royally. 
I tried several times to stop payment but screen went gray n locked as soon as I hit thr stop auto pay button. So I just deleted them from my list of bills. 
Why did they need to keep my funds when they were drawn on their bank?
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : JEFFERSON CAPITAL SYST Acct XXXX I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE, I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.
Product: Credit reporting or other personal consumer reports

Too many Unidentifiable hard inquiries on my credit report. 
Unrecognizable collection reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a debt validation to XXXX XXXX XXXX and they only send me a debt verification onXX/XX/XXXX certified mail with the confirmation number XXXX and a return to sender that was received onXX/XX/XXXX by XXXX I received the verification letter onXX/XX/XXXX on the mail.

On XX/XX/XXXX I resend them a letter that stated to send me a validation of the debt, the letter was send via certified mail with the confirmation number XXXX they received onXX/XX/XXXX by XXXX XXXX and XXXX XXXX XXXX never respond to my certified letter
Product: Student loan

I received info that XXXX XXXX has sold my LOAN account Navientwithout my knowledge to avoid being taken to court for unlawfulillegal loan that they distributed and lied about.
Product: Debt collection

NCC Business Services continues to report and is actively trying to collect on a rental contract agreement that was not assumed in my discharged bankruptcy fromXX/XX/XXXX. The rental contract is void as any contracts and leases I had at time of filing were not assumed and were discharged. Any amounts owed in rental lease I singed I am not responsible for. This company has reported these amounts owed from the contract on my credit report. They were contacted XX/XX/XXXX with documentation not remove from my credit report. They have not been respondant after the pass of a 30 day investigation. They are causing harm to my credit report.
Product: Student loan

Once again, FedLoan Servicing has incorrectly calculated the number of payments I have made that count toward XXXX XXXX XXXX XXXX ( XXXX  ). I sent in my most recent XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Based on that XXXX, I have made XXXX qualifying payments. On XX/XX/XXXX, FedLoan found that I have indeed made XXXX qualifying payments. However, on XX/XX/XXXX, FedLoan found that I have only made XXXX qualifying payments. On XX/XX/XXXX, I called FedLoan and asked them to explain the discrepancy. I was told that FedLoan 's computer was counting wrong but they would fix it. Since this is a regular occurrence ( this is my XXXX complaint with CFPB dealing with FedLoan ), I doubt FedLoan will fix the problem. It is clear to me that FedLoan has extreme structural problems in calculating qualifying XXXX  payments. Moreover, it is clear FedLoan is unable to correct these problems. Please investigate. Thank you.
Product: Credit reporting

There is wrong information in Experian Report XXXX Account # XXXX Wrong balance XXXX Account # XXXX Wrong balance Please update my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i. Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC :
Product: Vehicle loan or lease

I got into a car accident in XX/XX/year> and the car was totaled my insurance paid over XXXX towards the car and the loan was only for over XXXX and I owed XXXX I asked if they could just write it off because the car was totaled and I can't pay it anymore. I told them they could send it to collections and they won't send it to collections they keep putting more interest on it and saying they won't send it to collections because I have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

citi bank has been paid in a settlement and citibank has notupdated there data base as paid in full? the acct number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE AND FRAUDULENTLY BY VIOLATING MY RIGHTS IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. 


XXXX XXXX XXXX XXXX Account number XXXX THEY HAVE VIOLATED MY RIGHTS I 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was out of the country and during my absence my card was used multiple locations on the same day. 
When I returned back and checked my statement, I contacted the credit card issuer company and still they couldnt resolve issue
Product: Credit card or prepaid card

I made a {$50.00} payment on my capital one bank account on my card ending in XXXX with scheduling confirmation Number : XXXX on XX/XX/XXXX. In making the payment, I put in a XXXX XXXX checking account number. I didn't give it a thought till I got an alert of overdraft fee from my bank ( XXXX XXXX XXXX ) on XX/XX/XXXX and upon investigation, I saw capital one took the payment from an checking account number they had on file that is used for my autopay, instead of the account number that I put in. I contacted XXXX XXXX XXXX immediately on XX/XX/XXXX who asked me to request Capital One refund the payment to that account before they can take off the fees. I contacted Capital One immediately I got off the phone with XXXX XXXX XXXX and explained the mobile app issue that led to the situation and offered to give them the right checking account it should have come out from in the first place. However, Capital One is essentially insisting that the mobile app malfunction that made them take the money from an account other than the one I put in is my fault. I spoke with an agent named XXXX with agent ID XXXX and when I felt the agent didn't have sufficient authority to resolve the situation, I asked for a supervisor, and spoke with XXXX who identified herself as a " Supervisor at the account escalation team ''. The reference number for the conversation is XXXX. She elaborated on why I am responsible for Capital One mobile app malfunction to my consternation. 

I do not feel it is right for me to be penalised for capital one mobile app malfunction that is not my fault. I gave them an account number to take a payment from, they did otherwise and want to blame and penalise me.
Product: Checking or savings account

I was in XXXX XXXX In XXXX of 2024, at approximately XXXXXXXX XXXX XXXX XXXX XXXXXXXX took over XXXX out my cash app account, I tried to reach out to cash app through cash app & through telephone, the representatives couldnt tell me where my hard earn money went too, and why did XXXX XXXX XXXX take my money when neither site had access to my card nor do I use them, after 2 attempts & talking to a few representatives from cash app, they closed my account & failed to comply.
Product: Credit reporting or other personal consumer reports

Closed account need then to remove account from my credit report
Product: Money transfer, virtual currency, or money service

I started receiving text messages that a cash app transaction was declined due to insufficient balance. I do not have or use cashapp. I contacted the company several times to inform them that I do not use cashapp and this is fraud but they just say they will look into it but then the texts start back up again. I want this account closed and to stop receiving texts.
Product: Debt collection

I was renting merchandise from XXXX XXXX here in XXXXTexas I could no longer afford to pay for these things so I had them to pick it up from my home the manager by the name of MR.XXXX came and picked up these things his self. which means I do not owe anything they got items back. And years later a collection company called XXXX XXXX XXXX is reporting this as 3 collection account one for XXXX, XXXX. I have disputed this and they will not remove it so I called the company and they tell me they do not have this account anymore it was given to a company called XXXX XXXX so why is it that they are still reporting this and don't even have the account some one does I called the reporting agencies and they say its nothing they can do I have to call the company reporting this they report what they get from the companies. it is on my XXXX, XXXX and XXXX
Product: Credit card

XXXX, XXXX, XXXX, I made purchases on XXXX on these three dates using the specified card. The XXXX expenses for these three calendar months, totaling {$30.00}, have not been reimbursed. Although I received {$10.00} XXXX reimbursements on XX/XX/XXXX and XX/XX/XXXX, customer service stated that they only covered my XXXX and XXXXXXXX XXXX  expenses. Despite multiple requests, the response has always been that it will be reimbursed next month or in the coming months. However, the terms state that the maximum waiting period is XXXX weeks.
Product: Money transfer, virtual currency, or money service

I my phone and wallet was stolen and my account was used without my knowledge and cashapp will not let me dispute or even talk to a real person or anyone for the matter. this should not be possible when it's dealing with personal finace they control. i should be able to speak to a person and have this taken care of but they have no way of talking to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below are due to identity theft. I've contacted Equifax for the last seven months, as well as sent in the FTC report several times, and the inquiries remain on my credit report. 

XXXX XXXX, XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Improper Reporting of Canceled Debt and Failure to Provide Form 1099-C Dear CFPB, I am filing this complaint to address two issues : ( 1 ) the inaccurate reporting of a canceled debt on my credit report, and ( 2 ) the failure of the creditor to provide me with the IRS Form 1099-C as required by federal law.

Facts of the Matter : 1. The creditor has reported the debt as a charge-off ( or settlement/repossession ) on my credit report. Under IRS guidelines, a charge-off or similar action is considered evidence of debt cancellation, triggering the requirement to issue a Form 1099-C for debts of {$600.00} or more.

2. To date, the creditor has failed to provide me with a Form 1099-C, despite IRS regulations requiring that it be issued by XX/XX/XXXX of the year following the debt cancellation or charge-off. 
XXXX. Reporting the debt as a charge-off on my credit report implies that it is still owed or collectible, which contradicts its classification as canceled income for tax purposes. 

Relevant Laws and Regulations : Internal Revenue Code ( IRC ) 6050P : Requires creditors to issue a Form 1099-C for canceled debts of {$600.00} or more and provide a copy to the debtor by XX/XX/XXXX of the following year. 
Fair Credit Reporting Act ( FCRA ) : Requires furnishers of information to ensure that all information reported to consumer credit reporting agencies is accurate and not misleading.

Issues and Impact on Me : 1. The continued reporting of the debt as a charge-off on my credit report is misleading and inaccurate, violating FCRA requirements.

2. The creditors failure to provide me with the required Form 1099-C has created additional confusion, as I am unable to confirm whether th
e debt has been properly canceled for tax purposes.

3. This inaccurate reporting and lack of documentation have caused harm to my creditworthiness and financial planning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act account XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

Hello, This incident happened on XX/XX/year>, IQ Data called me XXXX. I spoke with management, XXXX XXXX. He threatened to take my Birthdate and Social Security number and take money out of my banking account. As far as I have researched, they have to have a Judgement from the courts. I told them I was going to make a complaint. The landlord and I had a mutual agreement to vacate premises. I do have proof of the agreement in a e-mail. I just don't have my computer up. XXXX at XXXX is a filthy environment, drinking water that is unsafe! that I was not able to live. When I left I was homeless and still is. I had no address to sent anything too. I asked for that information from IQ Data and was denied. I asked for a dispute form and was denied. I don't believe that is not the way to conduct business when trying to collect money from me. I would like my debt to be extinguished for the misbehavior of this company. They should have consequence for their Words! 
Thank you. 

XXXX XXXX
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit card or prepaid card

In XX/XX/XXXX, we purchased a chicken coop online for {$1000.00} paid with our Citi credit card. What we received was a damaged piece of junk that continued to fall apart after assembly, deceptively marketed with fake reviews and unable to be returned. After a month of failing to convince the vendor to honor their warranty, we disputed the charge with Citi on XX/XX/XXXX for Goods / services not as expected. 

Citi assigned the dispute case XXXX, and on XX/XX/XXXX they closed their investigation for the first time and reversed the conditional credit, claiming we were responsible for the charge. Their inexplicable reason for this was a response from the vendor of proof of delivery a fact never in contention. It also set the pattern for continued interactions with Citi. 

We provided additional information as requested by Citi time and time again. These responses went to them on XX/XX/XXXX ( closed XX/XX/XXXX ), XX/XX/XXXX ( closed XX/XX/XXXX ), and XX/XX/XXXX. First, they wanted proof of the issues. Then they wanted us to return the coop, even when we had already explained why we couldnt. Their last response was perhaps the most egregious, they ignored all content of the message and simply said they appreciate your feedback before closing the dispute again. 

We have been customers of Citi since XXXX, and despite all the evidence and messages we have hit a wall. Citi has refused to address the reason for the dispute, has refused to answer our questions about their investigation, has refused to reopen or review the dispute any further, and is instead is standing by a deceptive scammer.