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

Despite my repeated attempts to rectify inaccuracies on my credit report, I have encountered significant obstacles in obtaining resolution from TransUnion XXXX XXXX communication was XX/XX/2024. 

Upon reviewing my credit report and submitting multiple disputes regarding the accounts in question, I received a response from TransUnion stating that my dispute results the accounts were verified when in no way this is true as I still have multiple inaccuracies on my credit report. Multiple inquires have been deleted even ones attached to the accounts in question. These actions have left me in a state of frustration and uncertainty regarding the accuracy of my credit report. 

As a consumer protected under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights, including the expectation that consumer reporting agencies follow reasonable procedures to ensure the accuracy of information contained in consumer reports. Additionally, upon receiving a dispute from a consumer, agencies are mandated to conduct a reasonable reinvestigation to verify the accuracy of disputed information. It is evident that TransUnion has failed to adhere to these obligations, as the inaccuracies on my credit report persist, including erroneous personal information and employer details. 

Accounts : XXXX XXXX XXXX XXXX XXXX  These ongoing discrepancies have not only caused emotional distress but also constitute a defamation of character. As such, I demand that TransUnion promptly conduct a thorough investigation into the disputed items on my credit report in accordance with the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). This investigation should involve obtaining verification of the accuracy of the information from the original sources and providing me with a written explanation of the results. 

Furthermore, I request that TransUnion take immediate action to correct any inaccuracies found during the investigation and remove frivolous accounts from my credit report. It is imperative that my credit report accurately reflects my financial standing and that I am able to access and review it without hindrance. 

I trust that TransUnion will prioritize the resolution of these matters and uphold its responsibilities under consumer protection laws.
Product: Mortgage

My mortgage company aused me {$220.00} in overdraft fees in my checking account because they tried automatically withdraw payments out of my account 6 times with out permission.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally raise a concern regarding inaccurate credit reporting by XXXX XXXX, which has been the subject of numerous disputes. Despite my repeated efforts to resolve this issue, the inaccurate information persists and continues to be verified incorrectly. 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Disputed Information : Reporting of account status as repossession with an incorrect balance The account in question is consistently reported with a balance that is incorrect. This account was covered by gap insurance, which should have resulted in a zero balance upon settlement. Instead, the account is being reported as a repossession with an outstanding monthly balance, which is both inaccurate and misleading. 

This is also reporting with a monthly payment due of {$530.00}, which is also inaccurate considering the vehicle is charged off. 

I have previously disputed this account through the credit bureaus, but each time, it has been verified as accurate despite the evidence and documentation provided. The continual reporting of this inaccurate information is detrimental to my credit profile and financial well-being. 

I urgently request that the CFPB intervene in this matter. I demand the immediate removal of this account from my credit reports due to the persistent inaccuracies and the misleading nature of the information being reported. 
I would appreciate your prompt assistance in resolving this issue and ensuring that my credit report reflects accurate information. 

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

I have been employed at The XXXX XXXX  in XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. My previous employer was XXXX XXXX   XXXX XXXX from XXXX until XXXX. My Equifax credit report still lists XXXX as my current employer.
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was dtillerroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information and Request for Permanent Deletion Account Name : XXXX XXXX XXXX XXXX ( Installment ) Account Number : XXXX Closed Date : XX/XX/XXXX Balance : {$0.00} Dear Sir/Madam, I am writing to formally dispute the inaccurate information appearing on my credit report related to the XXXX XXXX XXXX XXXX account referenced above. This account is reporting incorrect details, including discrepancies in payment status and history across the bureaus. As such, I request the immediate and permanent removal of this account from my credit report, along with assurance that it will not be reposted. 

Legal Basis for Dispute : 1. FCRA Violations - Inaccurate and Incomplete Reporting ( 15 U.S.C. 1681 ) : The Fair Credit Reporting Act requires credit reporting agencies to ensure that all information reported on a consumer 's credit file is accurate, complete, and verifiable. In this case, the discrepancies and errors associated with this account, such as conflicting delinquency dates and statuses, violate these requirements. The information does not meet the standards of accuracy, and therefore, this account must be removed from my report. 

2. TILA Violations - Creditor Definition and Incorrect Reporting ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity that extends credit to a consumer. Since the reported details on this account do not align with the terms agreed upon, and no clear contract exists to support the reporting, it does not meet the standards set by the TILA. Thus, this account should not be reported on my credit file in its current form. 

Actions Requested : Permanent Deletion : I request that the XXXX XXXX XXXX XXXX account be deleted from my credit report immediately and permanently due to the inaccurate and incomplete information. This account should not be reposted under any circumstances. 

Written Confirmation : Please provide written confirmation of the removal and update of my credit report once this account is permanently deleted. 

I expect this matter to be resolved within 30 days, as required by the FCRA. Thank you for your prompt attention to this important issue, and I look forward to your confirmation of this account 's removal. 

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

I am a victim of identity. My XXXX XXXX credit card : XXXX is lost/stolen. Someone cancelled my XXXX XXXX credit card account. I never called XXXX XXXX to cancel my account.  There are some fraudulent and unauthorized charges on my XXXX XXXX credit card account. I want XXXX XXXX to send me a new credit card with  a new account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed a loan for my sister with the NJ XXXX XXXX XXXX  XXXX in the amount of {$13000.00}. 

She fell behind in payments. She is working as a XXXX XXXX  and due to COVID19 she was laid off from her job last spring and could not meet the payments. 

She told me that she contacted them and that they told her that her payments were in forbearance due to the COVID. 

I got an alert this past month that this student loan has been " charged off '' and my credit score dropped significantly. 

I reached out to Experian on XX/XX/2020 to have the charge off removed from my file. They sent back Report number XXXX and told me that the debt is accurate. 

I know for a fact that Federal Student Loans are in forbearance as I have one myself and was alerted to the fact. 

I don't think XXXX did a thorough job. 

Please advise. 

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

I am contacting you to dispute fraudulent tems on my credit report, which i believe stem from identity theft ( Pursuant 15 U.S.C 1681 c-2 ) I am requesthing that these inaccuracies be blocked prompelly.Attached is a copy of my plice report FTC identity theft report which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681 c-2 once an identity theft report has been submilled, credit reportthing agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit reprt are associaded with this identity theft and must be blocked. 

I am writing to notify you that i have fallen prey to identity theft I haven reached out to the Federal Trade Commission and lodged a complaint, which is enclossed for your reformence My credit report contains fraudulent ACCOUNTS that are not associated with me 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
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report. Despite multiple requests and providing substantial proof of identity theft, the credit bureaus have failed to address my concerns adequately and have not adhered to the protections outlined under federal credit consumer protection laws. 

The issues on my credit report include : A loan that was fraudulently opened in my name without my permission. 
Incorrect personal information, including an incorrect birthdate, unknown addresses, and unauthorized individuals listed on my report. 
A lack of proper response to my repeated requests for item removal and verification of agreement. 
Despite my providing evidence of identity theft, including [ list the specific documents provided, such as police reports, FTC identity theft reports, or other relevant documentation ], the credit bureaus have neither resolved the inaccuracies nor provided any proof of the alleged agreement that validates the fraudulent accounts. 

This situation has caused significant distress and has had a negative impact on my financial standing. I believe the credit bureaus are failing to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable laws that are designed to protect consumers from identity theft and unauthorized credit reporting. 

I am requesting the CFPB to : Conduct a full investigation into this matter. 
Ensure that the fraudulent items and incorrect information are removed from my credit report promptly. 
Hold the credit bureaus accountable for their failure to adhere to consumer protection laws. 
Enclosed with this letter are copies of my identity theft report, correspondence with the credit bureaus, and any additional documentation that supports my claim. Please let me know if further information is needed. 

I trust the CFPB will take immediate action to address this issue and ensure that my rights as a consumer are upheld. Thank you for your attention to this matter. 

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

Multiple accounts that are incorrect are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from my university XXXX  on Tuesday, XX/XX/2021 at XXXX PM notifying me about a student loan disbursement and that I could cancel it " no later than 14 days from the date of this email ''. I emailed my university bursar on Friday, XX/XX/2021 at XXXX PM requesting that the loan be canceled. The university XXXX  notified me that the loan was canceled. I have contacted XXXX XXXX XXXX XXXX on XXXX different occasions via phone and have submitted XXXX disputes via Transunion. The issue still has not been resolved after 9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent review of my credit report, I noticed a credit inquiry by XXXX XXXX XXXX dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they received an application for credit from XXXX by XXXX and verified the credit inquiry. I sent a second letter via certified mail to XXXX XXXX that was signed and received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and 90 days since my initial communication ), XXXX XXXX has not responded to my request for verification and have not noted my dispute on my credit profile, as required by law including for credit inquiries.
Product: Credit reporting

I disputed the account as it was a product of identity theft only for it to be verified repeatedly. This was a lease for an apartment I never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage account with XXXX XXXX that was removed in error by XXXX  and Transunion. I would like for this account to be added to my credit report.
Product: Money transfer, virtual currency, or money service

here was a XXXX video saying free XXXX  if you send it to an certain wallet address : XXXX : XXXX Contribution Address : XXXX Destination tag : XXXX Specification PAYMENT Tx hash : XXXX Date : XXXX XXXX, 2021, XXXX XXXX  XXXX XXXX  : Coinbase ( 10 ) https : //www.coinbase.com/dashboard Destination : XXXX XXXX : XXXX Amount : XXXX XRP ( XXXX XXXX XXXX I sent the XXXX not knowing it was a scam. 


I have the whole transaction and my wallet address if needed and screenshots of the website. 
Which of the following were used in this incident? ( Check all that apply. )
Product: Debt collection

Upon checking and verifying my credit reports, I discovered XXXX XXXX XXXX XXXX reported a new collection on all reports PF {$27.00}. I have never receievd written or verbal communication concerning this debt. When attempting to contact the debt collector using the phone number provided on my report, ( XXXX ) XXXX, it stated the number was invalid. Additionally, I am allowed under HIPAA to protect my privacy and medical records from third parties and I did not authorize XXXX XXXX XXXX to release my information to FINANCIAL DATA SYSTEMS.
Product: Credit card or prepaid card

In XXXX or XXXX of this year I attempted to pay my Citibank Costco Visa account via their website. I scheduled the {$400.00} payment online for my next pay date which would have been for the XXXX or the XXXX of the following month. I went about my life and thought nothing else of it even though most of the time I paid them by phone. The following month I realized that my bill was never paid. After contacting them, they said that my bank denied the payment. I contacted XXXX XXXX XXXXXXXX to see what happened. They said that they never received a request to pay to bill. I assume that the Citibank website failed since my bill had definitely been set up and they acknowledged that by saying XXXX didn't pay it. I contacted Citibank once again to try to fix the situation. I did not want to be responsible for late fees and interest since it was their mistake. They would not work with me. I said fine, I will not pay you until you take care of the situation. This has continued all year with my credit score dropping monthly as late days and fees spiral. I check once a month to see if they are ready to negotiate the problem, but they never do. I have been with Citibank many years and have had great credit scores until this. I thought surely with the Covid epidemic and many people not being able to pay, they would be willing to straighten this out. It hasn't happened. They call me every day twice a day about this but are not willing to do anything. Last time I spoke with them they said that they needed a payment to even talk about it. Again I refused their strong arm tactics. I am willing to pay my bill. I am not willing to pay the late fees and the interest accrued because of this. I have two other Citibank cards without any problems since I didn't use their website to pay the bills. My ex has had problems with them, too. He ordered something online that he never received and they charged him anyway. Even after sending them the tracking information showing them that the product never left XXXX, he was still responsible for paying. Knowing my situation with them, he paid it, but these people are ripping off citizens left and right and are not paying for any of the consequences. They are unfair, especially considering the amount of money they received from the bailout at taxpayers ' expense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX Subject : Formal Complaint Against Progressive Management Systems Dear Sir/Madam , I am contacting you to dispute a debt in collection and to file an official complaint against Progressive Management Systems , citing potential breaches of federal regulations related to debt collection. 

Debtor Information : Name : XXXX XXXX XXXX. 
Date of Birth : XX/XX/1978 Last XXXX of XXXX : XXXX Company Details : Progressive Management Systems ( Known as XXXX XXXX  ) XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CA XXXX Outlined below are my specific concerns : Debt Validation : I am requesting comprehensive evidence and associated documentation that substantiates the debt they claim I owe. This should include the original creditor 's details, a detailed debt breakdown, and any agreements authorizing Progressive Management Systems to collect this debt. 
Potential FDCPA Violations ( 15 U.S.C. 1692k ) : I believe some actions and communications from Progressive Management Systems may contravene the Fair Debt Collection Practices Act. I urge the CFPB to thoroughly assess these potential infringements and ensure my rights under the FDCPA are not being compromised.

Concerns Under the Fair Credit Reporting Act : I have noticed potential inconsistencies in how this debt is reported on my credit profile. Given the rights and protections under 15 U.S.C. 1681n and 1681o of the FCRA, I seek a rigorous review to determine any possible violations regarding the accuracy and fairness of such reporting.

Communication Preferences : For clarity and effective record-keeping, I request that all subsequent communications from Progressive Management Systems be in writing. I hereby revoke any permission, if provided earlier, for the company to contact me via phone or other electronic means.

Given the potential ramifications on my credit standing and overall financial health, I appeal to the CFPB to prioritize this matter. I am seeking your intervention and guidance to ensure my rights are safeguarded and that any breaches by the company are rectified appropriately.

I appreciate your commitment to protecting consumers and look forward to your guidance on the next steps. 

Warm regards, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Approximately XXXX dollars XX/XX/XXXX and after i noticed and received a late fee from Wells Fargo bank. I do not remember what the amount of the late fees were but eventually added up to XXXX dollars. As my bank Wells Fargo Bank was on my path of travel to my job I decided to stop by and ask what this late fee was all about. The clerk at the teller counter explained to me that it was for a checking account that i opened. I think he said it was free for a few months but then i had to have a certain amount of money in the account or some type of direct deposit for the account to remain free from monthly fees. I remember sitting down with a female customer service i believe her name was XXXX. I told the teller that i never opened said checking account, that i did apply for a credit card with ( XXXX ). But that i had not requested to open a checking account. The teller said " umm uh well XXXX would not do something like that '' When i asked for XXXX the teller explained to me that XXXX was no longer with the company. I believed as time went by i paid the amount of XXXX dollars in late fees and called Wells Fargo customer care to ask for the account to be closed or I either stopped at the physical bank and conducted the above. Its been many years so i am recalling by memory only with a few writing notes. As years went by i started hearing more and more about XXXX. i believe it was early as XXXX I decided to look up my free annual credit report thru above web site. I was shocked and amazed to find out that Wells Fargo was reporting to all XXXX credit bureaus that i was late up to 60 days in the amount of XXXX Dollars. I immediately disputed the inaccuracy with all 3 of the credit bureaus. To my surprised Wells Fargo responded and stood clear that the reporting was accurate and up to date. Even though i believe i had paid the fees of XXXX dollars. To my relocation i can recall that Wells Fargo unfairly reported the credit bureaus up until XXXX or perhaps up til XXXX. I know the time frame does not make any sense but also you will see that on my credit report the credit card amount i was approved for was for {$6000.00} and the late payments against the credit amount was {$93.00} but you will also see that i never used any of the credit against the credit card loan against the amount of {$6000.00}. In this way my credit file shows me having a credit card with Wells Fargo in the amount of {$6000.00} and it will also show that i am late in payments up to 60 days in the amount of {$93.00}. But my credit file will also show that i never consumed any of the {$6000.00} available to me.