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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX pa XXXX  XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, IA 5XXXXXXXX Subject : Complaint Against TransUnion and XXXX for Inaccurate Reporting and Violation of FCRA Rights Accounts XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Dear Sir/Madam, I am writing to file a formal complaint against the credit reporting agencies, TransUnion and XXXX, XXXX  their inaccurate reporting of my consumer credit information. This matter raises concerns about the violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe that these companies have failed to uphold the standards set forth in 15 U.S.C. 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), as Congress intended to ensure that a consumer report does not include transactions between the consumer and the person making the report. 

The alleged transaction that TransUnion and XXXX are reporting on my credit report has not been factually verified or investigated by either of these agencies. This transaction can be categorized as a direct interaction between the consumer ( myself ) and the person making the report. Therefore, it should not be included in my consumer report, as it violates my rights under the FCRA. 

I have made numerous attempts to have this inaccurate information rectified by contacting both TransUnion and XXXX directly. However, my efforts have been met with little to no response, and the inaccurate reporting remains on my credit report. This lack of action on their part further compounds the violation of my rights under the FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate action against TransUnion and XXXX for their failure to adhere to the FCRA guidelines. I believe that my rights as a consumer have been severely compromised by their negligent and inaccurate reporting practices. 

In light of the aforementioned issues, I am seeking the following remedies : 1. An immediate correction of the inaccurate reporting on my credit report, specifically the removal of the alleged transaction in question. 

XXXX. A comprehensive investigation into TransUnion and XXXX 's reporting practices to ensure that similar violations are not occurring with other consumers. 

XXXX. Appropriate disciplinary actions against TransUnion and XXXX, as deemed necessary by the CFPB, to prevent future violations of consumers ' rights under the FCRA. 

Enclosed, please find copies of relevant documents, including correspondence with TransUnion and XXXX, which demonstrate my attempts to resolve this matter directly with them. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this violation of my rights. I look forward to your prompt response. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I made a deposit into my XXXX XXXX XXXX account using my Discover credit card in the amount of {$1000.00}. I had placed a sports wager on the XXXX XXXX winning the XXXX XXXX on XXXX XXXX by XXXX points. On XX/XX/2021 it was announced that the XXXX XXXX quarterback, XXXX XXXX had COVID 19 and would not be playing in the Sunday XXXX XXXX, 2021 Football Game. I immediately contacted XXXX XXXX by XXXX XXXX and asked that they cancel my wager and refund my money due to the extenuating circumstances. They simply ignored my request and the XXXX XXXX XXXX ended in a tie XXXX to XXXX in XXXX. I filed a dispute with my Discover credit card Company who stated that a {$1000.00} provisional credit would be applied to my account ( Case # XXXX ) Its a month later and still no {$1000.00} refund to my credit card.
Product: Debt collection

Receivable Solutions XXXX This debt collector continues to call me when I am not the owner of the account. My name is XXXX XXXX. They are calling me at least three times a week at XXXX XXXX  in the morning for about 4 months asking for XXXX XXXX. This morning I was informed they can continue to call when they like because I know him even though this is not his number would not stop calling because I do know who he is. It is not my debt or my responsibility in anyway, but they told me they will not stop calling.
Product: Credit reporting or other personal consumer reports

The following accounts currently listed and showing on my Equifax and XXXX credit report are lost/stolen credit cards : XXXX {$530.00} and XXXX XXXX XXXX, {$370.00} XXXX
Product: Debt collection

I sent a letter on XX/XX/XXXX asking Credit Control LLC who is handling the account for XXXX  " Please can you verify these accounts for me so I can know if they are even legitimately mine? Can you send verification of my original paper work with my signature on the following accounts? '' I received no response. They continue not to respond to my letter. Also, I want the following open accounts removed from my credit report put there by XXXX XXXX XXXX : XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am on XXXX as of XX/XX/2019 and my income is also considered " Collection Proof ''.
Product: Credit reporting or other personal consumer reports

Ive files dispute on experian and transion just to be told info has checked out but finding they werent even being investagated is outrageous. Ive been told the same thing over and over.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax  and XXXX are required to authenticate 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 Balance Owed : {$XXXX} DPT EDXXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$8300.00} XXXX XXXXXXXX Balance Owed : {$9000.00} US DEPT ED XXXX Balance Owed : {$29000.00} US DEPT ED XXXX Balance Owed : {$7200.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$22000.00} US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$7600.00} US DEPT ED XXXX Balance Owed : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect LATE REPORTING PATMENTS.
Product: Credit card

I was discriminated against when I went inside of m & t branch denied credit without even providing information then I was denied my right to credit when I called on the phone with m & t bank they have called but have not solved the problem yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid for a full membership with my Chase credit card for an XXXX XXXX XXXX membership. Before the 30 day trial membership was over I contacted XXXX XXXX to cancel my membership. I made an appointment to meet at XXXX XXXX  and returned my key fob and was told that I would receive a full refund. I was told it would take a few weeks to show up on my card. Later I was told by XXXX XXXX that I was not to receive a full refund, but a partial refund would be allowed. Then I was told no refund. I contacted Chase and disputed the charge on XX/XX/XXXX. Chase was aware that I was out of the country and was to receive all my documents through their website login. Instead of posting documents and letters through my login they mailed important time sensitive documents request for me to respond to the dispute by XX/XX/XXXX. I received the letter from my daughter who was checking my mail. I uploaded and sent through secure message all documents requested to prove my claim before the XX/XX/XXXX deadline that Chase gave me. Chase denied my dispute on the XXXX of XXXX the day before the deadline to provide Chase with the documents they requested. I was not even aware of the denied dispute until I called Chase XXXX the XXXX to check on the status of my claim. After a lengthy phone call to Chase on XX/XX/XXXX I was told that my dispute was denied because I did not respond to the documents request. I told them I did through secure message and they admitted that nobody had even reviewed my documents. I asked for a department manager and then another manager that was over the disputes department. Finally I was told that Chase would reopen the dispute and review everything that had happened. The department manager I spoke with said that I had a very good case to dispute the charge and that it sounded like the disputes department mishandled my case. On XX/XX/XXXX I received another letter through my Chase login account that said they they've confirmed the disputed charge was valid. Without any explanation Chase validated the disputed charge. I sent them several documents showing that XXXX XXXX 's response to the claim was false. I have sent messages asking for Chase to reopen the dispute but I get no response. I've asked Chase to investigate the dispute departments handling of the dispute with no response. I believe that they mishandled it from the very beginning. Chase took the easy way out and just validated the charge even though I have proof that the charge is invalid. My complaint now is that Chase had no right to validate the disputed charge. And Chase has not provided me with any documentation as to why they have determined the charge is valid.
Product: Credit card

I accepted a fixed percentage offer until paid in full for a balance transfer from US Bank ; a few months later I received a communication advising an annual fee ( {$40.00} ) would becharged starting XXXX XXXX, stipulating the option of paying your bill in full. If I had themoney I would n't have accepted their offer in the XXXX place. Upon being charged, I calledsaying I did n't feel I should be charged an annual fee as I did not use their card forpurchases but paying off a balance transfer. I got no satisfaction by phoning the next yearas well. XXXX of last year I wrote the same objection on my payment slip ; I received theresponse that the annual fee was necessary for the cost of maintaining my account. 
This time around I am writing you in the hope of some justice.
Product: Debt collection

I drafted XXXX debt validation letters to Penn Credit Corporation around XXXX 2016 and XXXX 2016. I was requesting validation for a debt from XXXX that is over 6 years old. They ignored all of my requests for validation and are damaging my credit report. 


Please investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of Transunion inquiry issue. I have inquires on my report that are not valid. I contacted Transunion multiple times and constantly was hung up on and finally asked to speak with a supervisor who did not speak good English and ended up saying they could not help me out. Below are list of inquiries that are not suppose to be on my report due to their mishap. 

XXXX XXXX- inquiry form XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX/XXXX  - inquiry from XX/XX/2018 XXXX XXXX XXXX inquiry from XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX - inquiry from XX/XX/2018 XXXX - inquiry from XX/XX/2018 XX/XX/2018
Product: Credit card or prepaid card

My Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Bank of America Credit Card ending in : XXXX I contacted my credit card provider " Bank of America '' in XX/XX/2019 because I had a charge on my account from a merchant who was unable to provide the services and never responded to my instructions to cancel/refund the purchase. The merchant never responded to my request to cancel the online purchase despite 3 requests in writing. 

This dispute/chargeback was : XXXX XXXX on XX/XX/2019. 

I was promised ( as is standard with a credit card dispute from any credit card company ) that the credit will appear on my statement shortly while they investigate the dispute over the next 60-90 days. 

I called Bank of America 's Dispute Dept back 2 months later after never having a credit for this chargeback for services not received and cancelled. I was told ( as is typical at Bank of America ) " we are behind and will soon be crediting my account and investigating my claim. '' Now on XX/XX/2019 XXXX XXXX charged my card again for {$210.00} due to never getting the message or final recourse of cancelling the original charge. ( Apparently for same exact service never received in XX/XX/2019! ) I talked to XXXX ( apparently in Bank of America 's in the XXXX ) that " this time she will help get the XX/XX/2019 {$210.00} charge credited to my credit card this time and complete the dispute ( despite Bank of America never able to follow through with their legal requirements of crediting my account for a legitimate chargeback ). 

For the record, I previously had to call Bank of America 's dispute dept 2 times and take a long time on the phone to answer all their detailed questions surrounding the charge and the merchant. 

While talking to XXXX in the disputes dept on XX/XX/2019, she promised that : " Once and for all I would receive a credit for the XX/XX/2019 charge in the amount of {$210.00}. Then she put me on hold for a few minutes while she finished her own paperwork. Then the phone hung up on me. 

This is extremely appalling that Bank of America can't follow through on basic " dispute processing '' despite having to take valuable time out of my day. I've had to be on hold for up to 30 minutes and go over the details of this charge and circumstances many times. Then they never complete the processing of the chargeback. 

Now this time ( despite a very polite call ), XXXX hangs up on me because she doesn't know what to do with a dispute she shows record of and doesn't know why the credit of my account never took place and/or why the merchant never got notice or debit to their account and now the same merchant charged me again. 

Credit my account for the {$210.00} XX/XX/2019 charge as I've been promised by Bank of America several times while I've told to be patient and wait month after month. If you haven't begun the paperwork and processing of my dispute for the XX/XX/2019 charge, then take responsibility for it and credit my account in the next 3 business days or less.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Per the 15 u.s.c 1681b this should not be reporting on my credit report
Product: Mortgage

This letter summarizes our current situation. Thanks. XX/XX/XXXX  To BOA RE : BOA Loan Numbers : XXXX and XXXX VIA FAX : XXXX and XXXX We are not accepting the LOAN MODIFICATION trial offer to modify our first loan in XX/XX/XXXX,  because instead of helping us reduce the payment you are increasing it to {$2900.00}.
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Our payment used to be a third of this amount, so you are actually increasing it three-fold. How is that helping us? We also requested your help to modify our second loan and you declined us.
Therefore we still have to pay on top of the {$2900.00} an additional {$900.00} for the second loan From Bank of America. When you add both loans together the new mortgage payments are almost {$4000.00}!
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I started the refinancing and Loan modification processes back in XX/XX/XXXX to let you know that we needed help to modify or refinance BOTH loans, and now 6 months later you 're still offering preposterous Loan Modifications that are completely unaffordable.
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We have saved all the documentation that we received in the last 6 months from BOA and I will be sending everything to the corresponding Mortgage monitoring agencies so that your Bait-and-Switch practices can be stopped. Especially The fact that after so many phone calls and so many emails your responses to our questions were confusing. Moreover, you kept transferring us to many BOA Departments without a straight answer. Nobody could tell us what are the terms, and basic information of this trial loan modification. How can we make an informed decision?
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We have been paying our mortgage on time for the past 10 years to BOA, since the terms of the loans changed we wanted to make sure we kept our credit in good standing, but unfortunately you failed to help us.
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This whole process with BOA has been very frustrating.
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Sincerely, XXXX XXXX  XXXX XXXX CC : Office of the Comptroller of the Currency ( OCC ) CC : Consumer Financial Protection Bureau ( CFPB ) Fair Housing-US Dept. Of Justice Federal Trade Commission ( FTC ) Equal Credit Opportunity Act ( ECOA ) Truth in Lending Act Fair Credit Reporting Act Department of Housing and Urban Development [ HUD ]
Product: Mortgage

On XXXX XXXX, I took a reverse mortgage class and was charged {$120.00}. I was told by Advisors Mortgage Group , LLC that I would be repaid at the closing. I also later found out that I didn't need to take this class since it had not been 5 years since I took the original class. On XX/XX/2019 I paid {$430.00} to have the house appraised.Again, I was told that the money would be repaid back to me at the closing. Then after not hearing back from them until XXXX, I was told that I did not qualify. When I asked about my money being refunded like they had promised, I got no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Title 15USC 1681 # 3, and # 4 Equifax assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the Equifax agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last XXXX, this credit reporting company would comply to the settlement. According to this link : https XXXX XXXX An copy of the settlement was published in this link publicly : https : XXXX XXXX  XXXX % XXXX % XXXX % XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Med Busi Bur XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit.
Product: Debt collection

This company is under the impression I owe them money but I dont. The debt was removed from the original company so I have no dealings with these people!
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I originally made two successful transactions on coin base. First for {$250.00} of XXXX and then an additional {$500.00} XXXX. Later, I attempted to purchase another {$500.00} but the transaction was denied and an error message appeared something went wrong. I kept retrying the transaction and kept getting the same error message. After 7 attempts I gave up. The next day on Saturday XX/XX/XXXX I checked my account and saw that the 7 failed transactions actually went through. I would have never attempted so many transactions if I knew it was actually going through and the error message was false. Then after looking further, I noticed one of the {$500.00} transactions was taken out of my bank but not deposited into my account with coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to all three credit bureaus ( XXXX, experian, and XXXX. ) Regarding errors on my credit report as well as inquires on my credit report. I've sent letters out on XXXX XXXX 2021 as well as months prior. I've yet to receive any correspondence from either bureau Regarding this matter. I need all items removed from my credit report and made whole again.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, TRANSUNION AND XXXX TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.