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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Business Card {$2400.00} Opened XX/XX/XXXX Closed XX/XX/XXXX This is a business account belonging to a company, It should not be on my personal credit report.
Product: Credit card or prepaid card

I booked a flight with american express membership rewards and used points for payment. 

I was initially charged on XX/XX/2019 in the amount of {$1800.00} and then credited the same amount on the same day XX/XX/2019 when they deducted the points from my account ( which is normal ). 

I was then notified on XX/XX/2019 that american express cancelled my account. I did not receive any reason for the cancellation other then " we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I tried to find out more information about this and was told I would receive a letter in the mail but I never did receive any such letter. 

On XX/XX/2019 ( after my account was already cancelled for a week ) I was charged in the amount of {$1800.00}. I contacted american express and was told that since the points I earned was done so " against their terms '' ( which I still don't know how ) they clawed back the points and charged me again. Note that when they cancelled my account they allowed me until end of day to transfer out all my remaining points to a frequent flyer account under my name. 

I disputed the charge on the basis that I already paid with points and this is a double charge. American express membership rewards contacted me and told me that they refunded the points to my account so therefore I was not charged twice. I tried explaining to them that A. I never authorized the refund and B. my account was already closed by american express so I don't have any access to the points that are " refunded ''. When i called american express I was told since the points were earned " against their terms '' ( again, still waiting on how ) they just took it backed and charged me. ( even if that were true then why did they allow me to transfer out my remaining points to a frequent flyer account of mine? ). 

I have been going back and forth with american express now for almost 6 months and they keep just transferring me from one department to another and saying its the " other '' department I have to speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wont remove XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  card they are using XXXX XXXX and not doing a proper method of verifying that these accounts are fraudulent as they are ruining a for profit business
Product: Credit card

Received offer in mail. Called and applied on the phone. The person asked for first XXXX numbers of social sec. number and said I was approved. I asked a question the person could not answer and transferred me. This person then asked for the last XXXX digits of social, which I did not give. They could not answer my question and hung up on me. I called them back and told them I would report them. It was Barclaycard Mastercard, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report after two previous disputes, which constitutes a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act ( FCRA ). 
Account Information : - Account Number : XXXX - Creditor Name : XXXX - Date of Charge Off : XX/XX/year> - Amount : {$0.00} The account in question is an auto loan that was reported as charge off but has been paid in full. Despite providing documentation in previous disputes that demonstrates the inaccuracies of this information, TransUnion has failed to remove it from my credit report. Additionally, this account is reported solely by TransUnion and not by other credit bureaus, which further indicates an error in the reporting. 
The FCRA requires credit bureaus to delete disputed information within five business days after the reinvestigation if the dispute is not resolved, as stipulated in 15 U.S. Code 1681i ( 5 ). The continued presence of this incorrect account on my report violates the following FCRA provisions : 1. 15 U.S. Code 1681e ( b ) - Credit bureaus are legally required to ensure maximum accuracy of the information they report. The fact that this charge off appears exclusively in TransUnions report suggests that TransUnion has failed to verify the accuracy of its data.

2. 15 U.S. Code 1681i ( a ) - TransUnion is required to conduct a reasonable reinvestigation when the accuracy of any item in the report is questioned. The failure to correct the disputed information after two attempts constitutes a violation of this obligation.

TransUnions lack of compliance has caused significant financial damage and emotional distress, impacting my ability to access credit fairly. I request the CFPB to investigate this matter thoroughly and take the necessary actions against TransUnion for its continued non-compliance with the Fair Credit Reporting Act.

I am seeking the immediate deletion of this inaccurate account from my credit report and any other remedies deemed appropriate by the CFPB to ensure that TransUnion fulfills its legal obligations. Attached to this complaint, please find the supporting documentation, including the original disputes, proof of payment for the auto loan, and my current credit report reflecting the erroneous information.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in enforcing compliance with the Fair Credit Reporting Act.
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 # XXXX, XXXX XXXX XXXX # 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 XXXXXXXX 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 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 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

A fraudulent account for the XXXX credit card was opened in my name using a previous address - one that has not been valid since 2017 - and my email address that was obtained in a data breach. I received email notification of the approval XX/XX/XXXX at XXXX XXXX and within minutes emails for purchases were also received. Some of the purchases were to be delivered to addresses in New York, New Jersey, and some were set to be picked up in-store in XXXX, Ohio. 

I called Comenity- the issuing bank - to talk to someone on their customer service line and was disconnected numerous times. When I did speak with someone, they were not helpful and did not understand when I said that the account was fraud. 

I followed up twice in writing, stating that my information was stolen and this account was opened as the result of identity theft. They followed up with a letter stating that their investigation shows that the address used is on my credit report, therefore it must be valid. They concluded that the account must be mine since they used a previous address and a stolen email. They refused to close the account or acknowledge that it is fraudulent.
Product: Debt collection

I have an unverified account from Diversified Consultants. I had previously disputed this account. I have never done business with Diversified Consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Diversified Consultants Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Diversified Consultants Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$16000.00}, XXXX XXXX XXXX  : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted dispute letters to credit bureau requesting proof of account. Bureau did not provide original contract. Bureau responded with account being verified, which incorrect.
Product: Vehicle loan or lease

I have an open loan with XXXX XXXX XXXX XXXX because XXXX refuses to give XXXX XXXX them the title. The problem now is, I need XXXX XXXX to apply the loan payment to XXXX   XXXX XXXX XXXX or they need to unwind it, which isnt something desirable for either party.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX 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. 


TRANSUNION 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 card

I am writing to file a formal complaint against Citi XXXX XXXX XXXX regarding a wrongful charge on my account. Despite numerous attempts to resolve this issue, the company has continuously declined to investigate or properly address the matter. 

The charge in question is not accurate, which only highlights the poor handling and lack of attention to detail from their end. The amount in dispute has been recorded inaccurately, and I believe this to be part of their failure to investigate the issue thoroughly. Not only have I not been contacted by Citi to ask for any clarification or provide further information, but every attempt I have made to resolve the issue has been shut down without consideration. 

I find this behavior discriminatory and abusive toward customers, as they continue to refuse an investigation into the matter. I am being treated unfairly and am left without any resolution, and Citis practices are causing me undue stress and frustration. 

I request that the Consumer Financial Protection Bureau look into this matter and take appropriate action to ensure that Citi XXXX XXXX XXXX abides by proper procedures and customer rights. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 




XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX 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 Inquiry from XX/XX/XXXX + Oil Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX. I call TransUnion to Dispute on a debt, thats showing on my credit report. The account doesnt belong to me and I have no knowledge about it. I told TransUnion to do more investigation.just because they have my correct SSN and birthdate. 
I know, I havent open this account. 

XXXX. Lender name Amount is XXXX Date open. XX/XX/2017 I dont know anything of this account.
Product: Debt collection

XXXX XXXX aka XXXX XXXX XXXX based out of XXXX XXXX, Colo. <P/>I had a pre approved by XXXX XXXX services rendered in XXXX of 2013, I have no access to XXXX any longer i am subsequently divorced from my military husband. XXXX initally paid on these charges then resended them due to my divorce. Paid my deductables at XXXX, I find 4 charges on my credit report from the same entitiy .. I called XXXX and they state we tried to bill you you never paid, I moved and funny all my other bills followed me. I say well lets see how we can work on this, nope, its with credit now. I look they have billed it 4 differernt ways under 2 separate " XXXX " renewed it under a different name.. <P/>I have sent letters to the credit company that is on line with the bills, the two entities of the company that began the billing process.
Product: Credit card

I have been paying for a credit that I have been disputing charges on since XX/XX/year>. The credit card company has not been cooperative with me and at times yelled at me told me that there was nothing I can do. That I would have to pay for the charges. Ive asked the company to due a proper investigation into the charges. I have no way to log into the portal to see exactly how much Im paying for a card I have never received. The card is on automatic payment and takes money from my checking account causing a financial hardship.
Product: Student loan

I owe over 102000 in student loans and Navient expects me to pay 900 plus a month.
Product: Credit reporting or other personal consumer reports

I never applied for credit with this company XXXX XXXX XXXX XXXX XXXX XX/XX/2024
Product: Debt collection

In XXXX, I received my first credit card which was an XXXX XXXX card. I was told to pay each month in full. I did not know I could pay monthly payments. I had a balance of approximately {$2200.00} and was not able to make the full payment due to losing my job in XXXX. I also didnt make monthly payments because I didnt know I could. After 3 months XXXX XXXX closed my card and sent it to collections. After trying to pay them off earlier this year, they stated they had settled with the IRS and I would pay it on my taxes which wasnt an issue. However, this derogatory mark is on my credit and fnb Omaha will not remove the mark from my credit report. Ive tried everything and this is the only derogatory mark on my credit report. Please advise how I can get this removed as I was naive and did not have the proper guidance. Thank you.
Product: Vehicle loan or lease

I purchased a brand new XX/XX/2015XXXX XXXX from XXXX XXXX XXXX in XX/XX/2015. My financing is through Nissan Motor Acceptance Corp. My total purchase was {$28000.00} with 18.81 % interest and I have already paid {$19000.00} with only {$4600.00} going toward my principal balance as of today. So my current pay off balance is {$24000.00}. I agree that I did sign the contract because Everything was moving fast, the dealer did not take time to go over the documents, it literally took 10 minutes for me to sign all the paperwork. I feel like I was taking advantage of. I was approved for this loan with a credit score in the low 500s, {$500.00} down making {$40000.00} a year who rented and had XXXX small children. I was a prime target to default on my loan and potentially lose my car and ruin my credit. The dealer nor the bank even asked for proof of income.
Product: Mortgage

Dear XXXX, I am seeking help to resolve home loan matter since XXXX. I filed for bankruptcy back in XXXX and was not aware that you all would not reaffirm my home loan at XXXX XXXX XXXX XXXX GA XXXX. LOAN # XXXX after chapter XXXX bankruptcy. XXXX of XXXX the house was destroyed by fired due to lightening, I have reached out to the Recovery department trying to resolve this matter as well. I have even gone as far as hiring attorney XXXX XXXX The XXXX Law Firm, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX here in XXXX Ga. to help and we XXXX continue to receive system generate letters repeated even after several request to settle this outstanding balance. I need help to this resolution. We received notification that we would have an answer by XXXX XXXX. Just today I received another letter stating XXXX XXXX. The next week we will receive another letter until we make another written request and phone call to resolve this matter. 
Can you please assist with me closing this account out in full please and restore my account with FHA lending as well. I have the check and ready to move forward with this immediately. We do n't know what to do the insurance company XXXX XXXX Insurance wants to resolve as well as we do. We have the check to resolve this matter. But being refused helped. 
Anything you could do is greatly appreciated. 
Sincerely XXXX XXXX
Product: Payday loan, title loan, or personal loan

i am very disappointed with the banking industry..i feel completely disregarded and completely discriminated against because i live on a XXXX income. i have tried via numerous places including XXXX XXXX XXXX XXXX here in AZ to get a personal line of credit in order to pay off all my bills, they have refused me with no really good reason but to use my credit score as an excuse to deny me. I have also tried an online " XXXX XXXX '' and they also refused to give me a home equity line of credit '' also using the same excuse. I pay my bills each month regardless and all i wanted was to obtain money so i can replace my carpet and do some home repairs as well as pay off all my bills once and for all. NO ONE WANTS TO GIVE ME CREDIT. I HAVE PROVEN MY CREDIT WORTHINESS VIA XXXX LEASING CREDIT FOR 4 YEARS AND THEY TOO, REFUSED TO ALLOW ME TO BUY OUT MY XXXX XXXX WHICH I NEVER FALTERED A PAYMENT ON. IF THAT IS NOT DISCRIMINATION, I DO N'T KNOW WHAT IS. I HAVE 100 PERCENT EQUITY OF MY HOME AND I DESERVE SOME KIND OF RELIEF WITHOUT BEING FORCED OR PRESSURED TO EITHER FILE FOR BANKRUPTCY OR SETTLE FOR A DEBT RELIEF COMPANY WHICH ALSO WANT UP FRONT MONEY..I CAN NOT KEEP COMPLAINING ABOUT THESE ISSUES MORE THAN WHAT I HAVE DONE ENOUGH WITH THE CFPB BUT NEVER GET RESULTS OR HELP. WHY IS THAT?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  inaccurately reported late payments from XX/XX/XXXX & XX/XX/XXXX. 
Neither payment was late and inaccurately reported XXXX claimed to have sided in my favor stating I was correct the payments were never late. Only reported XX/XX/XXXX & XX/XX/XXXX as late. NONE OF THE MONTHS WERE LATE!!! XXXX continues to FALSE REPORt inaccurate information for TWO years Ive been disputing this.
Product: Debt collection

Received email from National Recovery Agency about a utility bill that was never mine. It listed an address that I never lived at for a debt that was never mine. 

Debt date on bill : XX/XX/XXXX Date of email : XX/XX/XXXX Amount : {$280.00} I have taken no action yet ; National Recovery Agency claims to be a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update/correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX