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

I am filing this complaint regarding TransUnion 's failure to remove inaccurate information from my credit report despite multiple dispute letters and notification to the FTC. Both XXXX and XXXX have removed the following accounts, yet TransUnion continues to report them inaccurately : Office of Attorney General ( OAG CHILD XXXX XXXX ) Incorrect payment history from XX/XX/XXXX to XX/XX/XXXX. 
Office of Attorney General ( XXXX XXXX XXXX XXXX ) Incorrect payment history from XX/XX/XXXX to XX/XX/XXXX. This account is also reporting conflicting data, with a payment status of " 120 days past due '' while the payment history reflects " 90 days late. '' Additionally, the balance on this account is incorrect. 
Despite being notified through multiple dispute letters, TransUnion has failed to conduct an independent investigation and instead continues to rely solely on creditor-provided information. This practice violates the Fair Credit Reporting Act ( FCRA ) and the precedent set by XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which requires credit reporting agencies to perform a reasonable investigation rather than blindly accept creditor-provided information. 

TransUnions failure to remove these inaccurate accounts from my report constitutes negligent non-compliance under the FCRA. I have attached a copy of my FTC notification and documentation of the erroneous accounts for your reference.
Product: Checking or savings account

Opened the account in XX/XX/2022. 
Deposited promotional offer amount of {$1000.00} of new money for the 30 days. 
Waited for the full 90 days during the promotional offer period Called 60 days after the waiting period and unable to escalate to a supervisor. 
Customer service representative confirmed I had met the requirements and was not sure why it hadn't been deposited. Never received any additional information or call regarding this issue.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Mortgage

I did not lose my job, nor did I fall XXXX My payments were deducted by electronic funds transfer and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I sent my payment to XXXX XXXX XXXX after a corporate transfer however, on XX/XX/XXXX, XXXX XXXX cashed my cashier 's check no. XXXX, that triggered the predatory foreclosure scheme imposed upon me. In addition, I must repay the check XXXX XXXX cashed and I must pay interest for the month of XX/XX/XXXX. ( See Affidavit of Amounts due and Owing & copy of canceled check. ) My regular monthly mortgage payments were {$670.00} until the corporate transfer of my note to XXXX XXXX. ( see U.S. Bank proof of claim pg. XXXX ) Immediately upon XXXX XXXX XXXX XXXX to go into my bank account on XX/XX/XXXX, the bank took XXXX which is {$12.00}, less than my regular monthly payment. The funds were available however, the shortage was intentional and used to send me into default on XX/XX/XXXX, loss mitigation and foreclosure was imposed upon me for the {$12.00} shortage. ( See letter to CFPB complaint XXXX response from XXXX dated XX/XX/XXXX pg. XXXX and U.S. Bank 's Loss mitigation Affidavit ) .Under the electronic funds transfer act the bank could have given me a provisional credit to the account for {$12.00}. They could have returned the {$650.00} to the bank account but instead, on XX/XX/XXXX, I was sent a loss mitigation package for 14 months and on XX/XX/XXXX. XXXX initiated foreclosure proceedings against me. XXXX XXXX and U.S. Bank conducted a corporate assignment and U.S. Bank took over the foreclosure proceedings. The balance on my mortgage was {$94000.00} at 2 % interest before the predatory scheme. A judgment was entered against me for over {$140000.00}, my credit is ruined with the judgment of foreclosure and I may find myself homeless because the bank intentionally took a partial payment for {$12.00} less than the amount due.
Product: Debt collection

I was send a credit alert stating that I had a negative remark. So I pulled my credit and got information and phone. And I was told that my name was used for several hospital visit with no insurance and had not paid the bill. I told the lady that it was not me. I requested a copy of bill. She only info that could be provided was date if XX/XX/XXXX XX/XX/XXXX and a date in XXXX. The name of responsible party name was XXXX XXXX my name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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.

EQUIFAX EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  {$610.00} XX/XX/XXXX XXXX XXXX XXXX XXXX ES - {$510.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} I booked tkt using american express card through XXXX XXXX XXXX XXXX. I cancle the tkt within XXXX hour of booking and spoke to XXXX customer service while canceling it and they asure me that I will get 100 % back becuse I am doing within 24 hour.

For one sector I got less refund {$610.00} - {$510.00} I opend the tkt and American Express close the tkt witthout reaching out to me. 
I also comlained about that to American express and still nothing happend, Every time I open the dispute and it get close automatically.
Product: Credit reporting or other personal consumer reports

Violations of My Consumer Rights and Monetary Relief for Gross Misrepresentation : Title 12 establishes that cases involving securities automatically fall under Federal Court jurisdiction. I am seeking to mediate with the involved parties before pursuing federal litigation. Per 16 CFR 433.2, the holder ( XXXX XXXX ) of consumer credit contracts is entitled to uphold all consumer rights, including exemptions. According to 15 USC 6802-6805, 16 CFR 433.2, 16 CFR 433.3, and 16 CFR 313.7, I was not provided an opt-out request and have the right to opt out of any and all agreements. Misreporting on my credit reports has occurred, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under the terms and privacy policies of the Department of Education and the Educational and Privacy Act of 1974, my school and banks were not authorized to disclose transaction history or personal financial information to third parties such as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, violating my privacy rights. Furthermore, under 15 USC 6802 and 5 USC 552A, I was not given the option to exercise my non-disclosure rights, and my social security number and other personal information were unlawfully shared. Per IRS Publication 4681, canceled or closed debts, including " charge-offs, '' are considered income and should not be reported on credit reports. Reporting such items violates the law. Credit reports include non-mailable addresses, further infringing on my privacy. Additionally, promotional inquiries occurred without my consent, violating 17 CFR 424 and the terms outlined in the XXXX and XXXX reports of these entities. The Early Warning Services report provides evidence of these violations, including unauthorized disclosures. These violations by XXXX, XXXX, XXXX, XXXX XXXX XXXX, the Department of Education, XXXX, XXXX XXXX, XXXX Bank, and other entities have caused financial and emotional harm due to gross misrepresentation. I reserve the right to file an FTC identity theft claim and escalate this matter through legal channels if necessary.
Product: Credit reporting or other personal consumer reports

This is related to ( charge off account ) and 1099=c that I received and explane to them that this is not debt but income and therefore you can not report income as a debt on a consumer report. 1099-c Applicability the Internal Revenue Code requires a creditor discharging indebtedness to file an " information return on 1099-C with internal Revenue Service '' 26 C.F.R , 1, 6050p-19 ( a ). Whether or not an actual discharge of indebtedness has occurred, a " discharge of indebtedness is deemed to have occurred '' for the sole reporting requirements.

The dates and charge off shown on my credit report can not be reporting on any consumer report after the creditor has written it off, this debt has been extinguished by IRS and this bank has gotten credit for this debt Also within this matter Congress has written subject matter on hand ... ... ......

15 U.S. Code 1681b Permissible Purpose of Consumer Reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following and NO other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issues in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an appointment with XXXX XXXX XXXXXXXX in XXXX XXXX XXXX and signed a contract for XXXX some of dollars. I went once and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX  told me that he was not going to take that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are holding me XXXX and have ruined my credit. My credit was extraordinary and my XXXX score his drop XXXX points and I got a terrible XXXX and the XXXX  prescribed a XXXX  instead of the XXXX that I was supposed to have. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I would never go back there. I saw the non closure. And I was to oh nothing but they are charging me {$4400.00} and will not help. Ive counted that contacted them so many times this is the worst place ever. There are XXXX complaints on XXXX about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX  XXXX XXXX  XXXX  customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX XXXX discharged XXXX XXXX XXXX. FMS  was notified by the bankruptcy court, XXXX, and myself of the discharge which includes them as a creditor. Early XXXX XXXX XXXX, I followed up with FMS legal department to inform them that they're illegally reporting a balance currently being owed and was told that they would update my credit report to show as included in bankruptcy. As of today, FMS has not resolved this issue and they're still reporting a balance owed. All of this after being provided a letter that I'm no longer liable for the account. 

I've made contact in XXXX and XX/XX/XXXX via XXXX and via email XX/XX/XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts 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. These accounts is canceled debt the companies has filed them on there taxes. They are also reporting on my credit as debt which doesn't make sense at all. If a charge off consider ordinary income how could it be furnished on my credit as debt. Now the IRS mentioned that these companies suppose to send me a 1099 form so I could file ordinary income. This is a violation 15 USC 1681eb. It speaks on maximum consumer report they have to be deleted. Thank you and have a very blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been charging me a late fee of XXXX per month since XXXX of 2019. They have also ramped up hostile reporting to credit reporting agencies since I'm taking them to court, scheduled for XX/XX/XXXX.
Product: Credit card or prepaid card

Activated ten percent rebate offer on PNC XXXX XXXX XXXX XXXX for charge made to XXXX XXXX ( XXXX ) hotels. On XX/XX/2023, the terms of the offer were met through an advance purchase processed on the XXXX XXXX website. Part of the transaction provided to enter my XXXX XXXX number. The process was completed and the advance payment was made to the XXXX. A confirmation from XXXX was received. The dates of the actual reservation were XXXX - XXXX. 
The charge of {$540.00} was billed to my credit card on XX/XX/2023, which was within the terms of the offer. However, the account was charged to XXXX rather than XXXX. PNC refuses to honor the rebate as the system shows the charge as not being made directly to XXXX. 
I processed the offer according to the stated terms and believe one of the vendors, XXXX, XXXX, or PNC XXXX, is engaged in a deceptive practice. Both XXXX and XXXX deny responsibility for the offer and claim this is an issue with the PNC XXXX XXXX XXXX XXXX. 
Documentation is available as required.
Product: Student loan

Navient is the student loan service. I've called several times, each time being handed off to more that 6 representatives each not being able to service my call. I've submitted a complaint at Navient, attaching the billing with fees in question, received a callback however my return calls leaving messages have not been returned.
Product: Credit reporting or other personal consumer reports

I have attempted to contact the U.S. Department of Education in regard to inaccurate information furnished on my credit report, via written communication at the address ( s ) listed on my credit report. I verified the address to see if it was congruent with information provided on their website and it was. My letters were returned as undeliverable. I disputed the information with the credit bureaus, and they responded with the information was verified and is accurate. However, the credit bureaus changed the address ( s ) furnished on my report as an address listed in XXXX, TX. At the time of this complaint, XXXX of the credit reporting agencies are reporting something totally different. XXXX is reporting both of my student loan accounts as in collections as of XX/XX/XXXX and an address for the US Department of Education in Iowa XXXX, IA with no actual mailing address. Equifax is reporting both of my accounts in collections as of XX/XX/XXXX and an address of XXXX XXXX XXXX XXXXXXXX, TX XXXX. When I sent written communication to this address, I received no response. XXXX has the information incorrect also. My account was paid in full and is not in collections. However, this information is hindering my ability to move forward with my personal and commercial endeavors. I need someone to look into this matter as expedient as time will allow. Thank in advance>
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Credit reporting or other personal consumer reports

I am Filing an Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. 

I Am Also now opting out of ANY and ALL authorization I the consumer may have given you written, no-written, verbal and non-verbal per 15 USC 6802. Im Rescinding that authorization per 15 USC 6802. According To 12 CFR 1016.7 states that a Consumer may exercise the right to OPT OUT at any time. This is effective immediately and indefinitely. 

According to Fair Credit Reporting Act, 15 U.S. Code 1681 - Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system Attached to this CFPB Complaint, I have attached Proof Copy of Inaccurate Findings On My Credit Report. I Have Circled In Red all Inaccuracies On Credit Reports With XXXX, XXXX & Experian.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to remove inaccurate information from my report. I recently checked my report and noticed that there are inaccurate addresses, inquiries and a bankruptcy reporting without my permission. 

The inquiry is listed below : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX for months now. I have sent certified mail to XXXX XXXX requesting validation of debt. I have sent a follow up letter telling them they are required by law to send me the proper documentation proving they have the right to report on my credit. I have not received the response with the request information. I have submitted these documents to the XXXX  & Equifax with no response. I want XXXX XXXX to either send me the requested inform or delete the account from all 3 credit reporting agencies.
Product: Debt collection

I have received NOT ONE written, digital or any other form of communication regarding two recent claims submitted on my credit report. Both claims were submitted on XXXX XXXX, XXXX by a single collections Agency : PHOENIX FINANCIAL SERVIC ( stated servic, not service, on report. ) I have zero knowledge of these accounts and did not receive the services claimed, so it is impossible I owe money for services that were never rendered to me. 

I do not owe a single XXXX to either claim and will sign an affidavit under penalty of perjury stating I do not owe this money. The claim is inaccurate. I do not claim ownership now, nor will I ever. 

I do not claim the account on the basis of false and/or inaccurate information, coupled with the fact I have not received one notice or any other type of communication by this collection agency PHOENIX FINANCIAL SERVIC regarding the alleged account ( s ), ever. 

Inaccurate Claim # 1 : -Opened : XX/XX/XXXX - Alleged Open Balance : {$1300.00} -Type : Blank, not stated. 
- Remarks : Placed for Collection ( most recently XX/XX/XXXX ) - Responsibility : Individual -Original Creditor : XXXX  XXXX XXXX XXXX -- Inaccurate Claim # 2 : -Opened : XX/XX/XXXX -Alleged Open Balance : {$1100.00} -Type : Blank, not stated. 
- Remarks : Placed for Collection ( most recently XX/XX/XXXX ) - Responsibility : Individual -Original Creditor : XXXX  XXXX XXXX I researched XXXX XXXX  XXXX, who they cover, and I have not received services. The type of service on the alleged open account is not stated by the collections agency, I have never received one notice or attempted communication by XXXX XXXX XXXX, either. I do not owe a single XXXX.