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

I am submitting a formal complaint against TransUnion for their repeated failure to respond adequately to dispute letters that I mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In these letters, I requested investigations into inaccurate items on my credit report, including entries for 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, and a listing from the U.S. Bankruptcy Court under number XXXX. Additionally, I disputed incorrect addresses and a name listed on my credit report.

To assist TransUnion in verifying my identity and address, I diligently included copies of my photo ID, social security card, and a recent bill with my current address. 

Regrettably, I received responses from TransUnion, dated XX/XX/XXXX, and XX/XX/XXXX, indicating that they were unable to process my requests because it did not appear to have been sent directly by me or an authorized third party. This response suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights. 

Enclosed with this complaint are copies of the dispute letters I sent to TransUnion, along with their responses, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the summer of XXXX and in early XXXX, Transunion experienced a system glitch that removed all inquiries from my credit report.TransUnion later added them all back onto my credit report without providing me with the legally-required written notice 5 days prior to them re-adding them. I contacted TransUnion, in good faith, asking them to delete the inquiries that they had illegally re-added.My first attempt result in being told that my account was not affected ; however, ALL accounts were affected. My second attempt resulting in me being able to revolve this matter by ( 1 ) contacting the creditors that requested my file and having them to remove the inquiries or ( 2 ) filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. Under the FCRA Section 605B account should be removed within adequate time.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

I am aware the CFBP has a lawsuit against Experian and I myself will obtain legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Product: Credit card or prepaid card

I have another case open. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 I'm now facing another situation caused because of this pending case on the issue of a balance transfer being pulled twice from the XXXX  credit card by Discover and being charged for 2 balance transfer fees. Now because they pulled this twice, my account with XXXX had a negative balance, which was fine however, when I originally did the balance transfer it said that the most I could transfer was {$8100.00} for a 18 month 0 % interest. But discover did the balance transfer twice and now they are charging me interest and due payments on the second balance transfer and the balance transfer fees. These are completely unacceptable practices. If I'm have a pending case regarding something that effects interest, balance transfers, and fees than my whole account should be put on hold. I had high hopes for Discover as a new credit card for me, my family, and our business but my hope is diminishing very quickly! Completely shocked at the actions of this company.
Product: Mortgage

I sought help with refinancing or a loan modification after I found that my husband unexpectedly decided to file for divorce. I bought my home prior to our marriage. We as husband and wife decided that it was ok for me to become a stay at home mom and wife due to his increase in income. So when he up and left I had no other income. I reached out to the company listed below and was advised to not make a payment, which I was up to date on and not ever late up until this point, with help from my parents. I took the advice and now a little over a year later I am unable to get caught back up and looking at possibly losing my house. I wish I would have known then what I have come to learn now! 

XXXX XXXX Processor ( Not an attorney ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Toll Free ( XXXX ) XXXX Ext. XXXX Fax Number : ( XXXX ) XXXX Office hours XXXX to XXXX est.
Product: Mortgage

Wells Fargo LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX The Appraisal used by Wells Fargo to counter the buyer on this short sale is invalid. 

1. The Appraiser used comps outside the XXXX area and in a completely different geographic and economic neighborhood than the subject property this does affect the sales price 2. The Appraiser used comps that are a YEAR OLD 3. The Appraiser outright IGNORED comps that were MUCH CLOSER and that CLOSED RECENTLY that were a lower value than the counter offer 4. The appraiser even ignored year-old comps that are in the same complex as the subject property that were lower in value that the counter offer ********* The Appraiser was obviously stretching to get this valuation to be in the higher price range dictated by Wells Fargo.
This appraiser could lose their license over these issues it has already been recommended to us by another appraiser to file a State complaint against the appraiser as her work product is extremely flawed and could not be used for origination of a loan or any other purpose for valuating a property. 

I have attached the following items : 1. XXXX XXXX showing Market Comparables that are RECENT and in the SAME NEIGHBORHOOD. 
2. Copy of the appraisal used by Wells Fargo - SEE PAGE 7 AND 11 showing the OLD COMPS USED 3. XXXX XXXX XXXX 4. Additional Market Comps Please see XXXX XXXXXXXX XXXX - This home is in Excellent Condition and is obviously C2 and not C3 as stated on the appraisal. Did the appraiser look at any of the comps or even call the listing agents -- - the answer is NO. Our unit is correctly listed as a C4 ( in need of major remodeling ) We have already addressed this with Wells Fargo and have been told that Wells Fargo reviewed the information we provided and has found nothing wrong with using comps that are a year old. -- - Seriously??? 

We demand this appraisal be re-reviewed with the information attached to this CFPB complaint. 

We expect this situation to be remedied immediately.
Product: Debt collection

I have been receiving calls and collection statements from XXXX XXXX XXXX. I paid this debt in a settlement in XXXX 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX  XXXX XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 reporting or other personal consumer reports

Subject : Complaint Regarding Improper Credit Reporting and Invalid Debt Ownership To Whom It May Concern, I am submitting this complaint regarding an account reported by XXXX XXXXXXXX on my TransUnion credit report. I believe this account contains inaccurate information and is improperly reported. Below are the details of the issues : 1. Improper Reporting and Inaccuracy The account reflects a status of Charged off as bad debt, which I dispute as inaccurate. I have not received proper validation of this debt. 
The balance, credit limit, and other details appear inconsistent, and the information has changed without proper notice or verification. 
XXXX. Invalid Debt Ownership The report states Company Sold, yet no details are provided regarding the current owner of the debt. I have not been informed of a sale, nor have I been contacted by a new creditor. 
If this debt was sold, the original creditor should not be reporting a balance. The new owner of the debt, if any, should be responsible for reporting it. 
XXXX. Dispute Process Issue The report notes Dispute resolved reported by grantor, but I was not provided sufficient evidence of validation or proper resolution. My right to a fair dispute process under the Fair Credit Reporting Act ( FCRA ) has been violated. 

Given these issues, I formally request : Immediate investigation into this account and correction or removal of any inaccurate or unverifiable information. 
Documentation validating the ownership and legitimacy of this debt. 
A written response explaining the findings and any actions taken. 

If this matter is not resolved in compliance with the FCRA, I am prepared to escalate my complaint and explore legal remedies. 

Please confirm receipt of this complaint and provide an update as soon as possible. 

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

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that resulted due to Identity Theft. Please find the required documents to assist in the removing of the erroneous information which are being posted to my report. According to FCRA Section 605B ( a ), 3 Credit Bureaus shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please help remove this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX / XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$980.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$2400.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/2019 a debt collector went to my house at around XXXX XXXX  and pounded on my door until my XXXX year old daughter answered. He demanded to know if I lived there and said he had a package for me. She said she was scared and reluctantly opened the door at which time he pushed papers at her and walked away. The paperwork said capital one is suing me.
Product: Checking or savings account

XXXX a company credit line with personal guaranteed. 
XXXX. Noticed by banker and Approved under equipments loan for {$500000.00}. 
- XX/XX/2018. My BOA profile shows funds, and subtracts spends till a check bounced. 
XXXX filed a complaint due to cant use funds. 

Till I received a bank letter shows my account been closed due to abused use accounts etc.. 


Without return in any funds! 


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

I have disputed my XXXX account with Experian back on XX/XX/2021 providing documentation that XXXX has a class action lawsuit for bad business practices and predatory lending that forgave ppl who had loans from XXXX. I also added that I had a loan with them during that time frame and was a victim. They responded by providing me with a drafted general response basically saying they would leave it up to the debt furnisher. I wont believe this was done I because if it were XXXX would have not denied the class action lawsuit and their obligation to remove and or forgive the loan. I believe this was sent to XXXX to verify if the debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX/XXXX, and SANTANDER CONSUMER USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX, and SANTANDER CONSUMER USA with no successful resolution. There was definitely an error on their part
Product: Vehicle loan or lease

Over the last three years I had gone through financial hardship, and was struggling to keep my business afloat during from XX/XX/XXXX. I missed a few car loan payments because I had little to no income to pay down the vehicle loan. 

I took the necessary steps to get back on my feet and ended up resolving this financial hardship by closing down the business and gaining full-time employment as of XX/XX/XXXX. My salary is now six figures, which is more than double what I was making when I originally filed for the car loan in XXXX. The interest rate I'm currently paying today is way too high. Even though I requested a few times over the past two years to lower payments, the request was understandably denied by the loan company. 

This caused me to make more and more late payments and pay down whatever I could whenever I could afford to do so, including the additional late fees and penalties. In total - I was late on 14 payments over the last 4 years, however, have gotten back above water and am now in good standing with no threat to be late again. I might even be able to pay off the entire loan balance ahead of schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in the amount of {$250.00} began reporting on my credit report on XXXX XXXX, 2012. Despite constantly disputing this debt with Equifax, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature. The account has been removed from my other credit reports due to lack of validation.
Product: Debt collection

the accident occurred XX/XX/2018 @ XXXX XXXX the representative called from XXXX Toyota financial services several times to my home trying to collect a past due payment of XXXX for a lease vehicle I have financed with them. The representative called my home several times harassing until the cleaning company the cleans my home answered the phone and at that point my cleaning maid stated the representative was very aggressive asking for information she could not answer concerning our personal finances and a timeframe for payment collection ; this violated our privacy rights and has really caused my wife and I to have server XXXX and embarrassment since this has happened we have made the payment it was just an slip of mind and filed a complaint and have not heard from anyone we want someone to hear about this to protect other families from this heartful client experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a major data issues with this vendor. They show my Daughters name on my file as per XXXX XXXXXXXX posting and it can not be rempved. Disputes go unanswered and my credit file remains a disaster incorrect and wrong and you sit there filing paperwork WOW
Product: Credit reporting or other personal consumer reports

CRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX on XX/XX/year>, using financing arranged through Santander Consumer USA. I provided a down payment via check as part of this transaction. Due to the delay in funds transfer and the check being deposited, Subsequently, XXXX XXXX claimed the check was invalid and began demanding immediate payment or return of the vehicle. I have communicated with them, but despite my attempts to communicate with them they continue to text and call me at All times of the day despite me advising them of specific ways that was convenient for me. This led me to believe something off with the deal which I read my contract in great detail and found discrepancies. Despite my requests for clarification and compliance with the Truth in Lending Act, XXXX XXXX has refused to provide necessary information and has made threats to report the vehicle as stolen. 

Specifically, I am seeking : 1. Clarification on the finance charge and down payment required under the contract.

2. Confirmation of compliance with the Truth in Lending Act.

3. Explanation of the retail installment sale contract and consumer credit transaction terms. 

XXXX XXXX refusal to provide this information and their threats to report the vehicle as stolen without proper legal grounds is causing undue stress and potential damage to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX not my address
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm confused of what's going on. These enclosed items are still on my Credit Report. I contacted Equifax, it has been over well over 30 days to have these things ( over 10 addresses, wrong name and business credit inquires removed from my credit report. As I've already opt out reporting, froze my secondary and I've already froze my credit with Equifax, however these items are still being reported. How is this possible as I disputed this over 30 days ago. According to dispute procedures this was suppose to be either identified, investigated to be found valid or invalid. If valid a copy of an investigation provided to me, which did not happen. Therefore I expect it to be deleted immediately because it is causing me grave dangers to my credit report and enabling me to support my self and family. I thank you and look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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