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

I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes. Despite multiple attempts to resolve inaccuracies on my credit report, TransUnion has failed to respond appropriately. 
I sent my first dispute letter on XX/XX/year>, via USPS certified mail ( tracking number XXXX ), disputing inaccurate personal information and accounts. I included the following documents to verify my identity : -A copy of my government-issued ID -A copy of my Social Security card -A recent bill showing my current address However, I did not receive any response. I sent a second dispute letter on XX/XX/year>, also with no response or investigation results. In a final attempt, I sent a third dispute letter on XX/XX/year>. On XX/XX/year>, TransUnion responded, claiming : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is perplexing and unfounded, as all correspondence was sent directly by me with the necessary supporting documents. TransUnion 's actionsor lack thereofconstitute a violation of the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable reinvestigation of disputed information. Their failure to investigate, baseless accusation of unauthorized third-party involvement, and lack of response to my initial disputes are clear breaches of my consumer rights. 
I am including the following as evidence to support my complaint : -Copies of my original dispute letters sent to TransUnion XXXXTransUnions response letter dated XX/XX/scrub> XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I received an email from Roundpoint reporting the mortgage company had made an error on client 's XXXX XXXX form and that the corrections would be posted by XXXX. At this point I had already filed my taxes through my tax advisor. 

I called and wrote an email asking Roundpoint how and if clients would be compensated for any fee charged by a tax advisor for the amended documents since I had already filed my taxes and since any fee incurred at this point would be a direct result of Roundpoints error. 

On XX/XX/XXXX, I received an email stating that Roundpoint had mailed the corrected form ( as of XX/XX/XXXX it has still not been received, though it is posted on Roundpoints web portal ). I was also finally contacted by Roundpoint and spoke with " XXXX '' of the " customer advocacy department '' who informed me that Roundpoint would not reimburse clients for any fees charged by their tax advisors since we could " file free '' through the IRA. He added that Roundpoint 's only responsibility was to provide the corrected form before the tax deadline. I hired a tax advisor so my taxes could be completed correctly and was now being told by the company that was directly responsible for the problem, that THEIR error ( which is costing me not just money, but time ), is my problem. 

Roundpoints gross miscalculation has also led to my owing money to the IRS which I have to now budget for.
Product: Credit reporting or other personal consumer reports

There still remains a collection account and fraudulent inquiries on my credit report. Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in these unauthorized credit inquiries. Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Frequent receive threat calls to my sick mother 's home although I do no leave there anymore.
Product: Credit reporting or other personal consumer reports

Formal Dispute Regarding Late Payment Verification [ XX/XX/XXXX ] XXXX Transunion LLC Dear Sir/Madam XXXX XXXX XXXX I am writing to formally dispute the accuracy of the late payment entry on my credit report, which has been verified by your bureau. The late payment in question appears on [ XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ] and is associated with the account [ XXXX XXXX XXXX Account # XXXX ]. Despite my previous attempts to dispute this entry, it has been reaffirmed by your investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request detailed information regarding the method used to validate and verify the accuracy of this late payment. Specifically, I would like to receive : 1. Documentation illustrating the process followed to validate the accuracy of the reported late payment.

2. Any correspondence exchanged with the creditor regarding the validation of this late payment.

3. Any evidence provided by the creditor to substantiate the claim of the late payment. 
4. Details of the individual ( s ) responsible for conducting the investigation and verifying the accuracy of the late payment.

I emphasize the importance of transparency and adherence to regulatory standards in resolving this matter. As a consumer, it is my right to receive comprehensive information regarding the validation process conducted by your bureau.

I urge you to conduct a thorough review of this dispute and provide the requested information within the time frame stipulated by the FCRA. FAILURE to provide sufficient evidence to validate the accuracy of the late payment may result in the REMOVAL of this entry from my credit report. 

Please consider this letter as a formal request for investigation and provide a written response within 30 days, as required by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. I look forward to receiving the requested documentation and a favorable resolution to this issue. 

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

I have noticed that XXXX XXXX XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX  ( reported duplicate on Equifax credit report ) .. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2018 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Student loan

See XXXX complaint ticket. THIS IS THE SAME ONE. The company closed the complaint and CFPB accepted it. I DO NOT CONSENT TO THIS. Reopen that ticket. It is not closed. The COMPANY DID NOT RESOLVE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chime back didn't lock my account like I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the balance of {$4500.00} on this Nissan Acceptance account that was closed and paid off in XXXX  by insurance. My credit report has been in good standing for almost 4 years, and then randomly a couple months ago a random and incorrect balance and late fees appeared. The account that I am disputing is Nissan Acceptance Company. There should be no balance of negative marks and late payments should be removed from my credit report so that my score can be returned to the good score that it was. I have tried disputing numerous times and I have attached the documentation to show that this account has be closed and paid off by insurance for years. My Credit score was in the mid 700s before this randomly appeared recently. I have tried calling Nissan, but they have been no help. Also, I have disputed with the credit bureaus and my score goes up temporarily and then goes back down again. I have all of the documentation for proof, but I have been giving the run around for a couple months now. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit report from Experian and they said I had a XXXX XXXX XXXX XXXX dispute filed and with that dispute being father said that the information was accurate and correct which is not. Again it's XXXX XXXX XXXX XXXX account number XXXX account type collection responsibility individual they open XX/XX/XXXX status collection account XXXX past due as of XX/XX/XXXX status update XX/XX/XXXX balance XXXX balance update XXXX payment is receive - monthly payment XXXX original balance XXXX highest balance XXXX turns one month on record until XXXX. As far as further information it says historical info original creditor XXXX XXXX XXXX XXXX I've always had State Insurance I'm not understanding why I'm receiving this bill. I've always had medical assistance from the state which is Medicaid in XXXX I was covered with medical insurance from the state which is Medicaid if you could take the time and effort to look into the situation to please help me adjust this thank you. For as the contact information for the company is phone number XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As I filed the dispute with Experian and the response I got was verified and updated this information you disputed has been verified as accurate however information unrelated to the dispute has been updated. This is what experience has sent me in an email. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact the company and well as Equifax about some Hard Inquiries that does not believe to me. I made them aware that this is damaging my credit. 

XX/XX/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 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: Money transfer, virtual currency, or money service

On numerous occasions, I have tried to connect my online savings account from XXXX and connect it with my long established PNC checking account. PNC denies access every time and XXXX has tried working with PNC and yet they still refuse access. I cant have my savings transferred to my checking in times of need, nor does it allow me to make regular deposits from my PNC checking account to my high interest XXXX  savings account. PNC offers no savings accounts with the amount of interest I get from XXXX XXXX, the only way to deposit money into this account is virtually, which makes it impossible for me to do if PNC wont grant access to connect the accounts.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Bankruptcy Reporting Credit Report Reference Number : XXXX Social Security Number : XXXX Dear TransUnion Consumer Solutions, I am writing to formally dispute the incorrect bankruptcy entry on my TransUnion credit report. After reviewing my credit report, I noticed a bankruptcy filing that should not be listed, as I have never filed for bankruptcy. In an effort to investigate this matter, I contacted the bankruptcy court directly, and they confirmed that they do not report information to any credit bureaus. 

FCRA - Right to Dispute Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information. This bankruptcy entry is erroneous and must be removed from my credit report. Per the FCRA, you are required to : Conduct a reasonable investigation regarding this disputed bankruptcy entry.

If the bankruptcy entry can not be verified, it must be deleted or corrected on my credit report.

Provide me with a new, updated credit report reflecting the results of your investigation.

Notify me of the results of your investigation within 30 days of receiving this letter.

Details of Disputed Information : Type of Dispute : Incorrect Bankruptcy Reporting Date of Bankruptcy Reported : XXXX. XXXX, XXXX Court/Location Reporting the Bankruptcy : XXXX XXXX Bankruptcy : Bankruptcy Bankruptcy Court 's Confirmation : The bankruptcy court has confirmed that they do not report to credit bureaus. 

Therefore, the information on my credit report is not only inaccurate but also unverifiable through the appropriate channels. In light of this, I request that the erroneous bankruptcy entry be immediately removed from my credit report. 

Enclosures : A copy of the section of my credit report highlighting the inaccurate bankruptcy entry. 

Any additional documentation that may support this dispute ( if applicable ). 

If this matter is not resolved in a timely fashion, I will be forced to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, and I may also seek legal remedies to protect my rights. 

I appreciate your prompt attention to this dispute and expect a swift resolution in accordance with the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I checked the Florida XXXX XXXX XXXX XXXX for a license search only to find out that this Company has an approved license only for the county of XXXX in the State of South Dakota. They 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Approved Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX License Main Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX License Mailing Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX Phone Number : XXXX -
Product: Debt collection

I called Midland Credit Management to verify and settle a credit card debt. I spoke with an agent named XXXX and verified my name and DOB, I told him I wanted to dispute and verify the debt as I did not distinctly remember the credit line. I asked him for his companies address so that I may send written notification requesting pertinent details of the account as required under the FDCPA. XXXX was very argumentative, demeaning, rude and would not transfer the call to someone else and would nor provide the companies address despite repeated requests from me to provide the address or transfer the call. I asked to speak with a manger and was put on hold but not connected. I called them back and spoke with a different agent who was very helpful and provided me with the company 's website which had all of the relevant documents necessary for me to validate the debt. I was connected with the XXXX, XXXX XXXX, with whom I was able to get the address for the company and settle the debt.

15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) outlines the requirements for debt collectors regarding initial communications with consumers. Among other information, it requires that debt collectors provide their address. The documents in question were sent to an old address and I never received them. A reasonable person would understand that under the spirit of the law, a debt collector would need to provide their address if requested by the consumer. As the Agent XXXX violated the FDCPA, I believe an investigation into the conduct of Midland Credit Management ( MCM ) is warranted to protect the rights of any future consumers who deal with MCM and to allow them to exercise their rights to dispute or validate their debt without facing unnecessary harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to 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 ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I file bankruptcy XX/XX/2018 and equitfax, XXXX is still reporting the creditors and past due instead of removing them on my credit report
Product: Debt collection

XXXX This information is listed on my credit reports. I have no knowledge of this account. ( Listed twice ) XXXX XXXX XXXX. This account is listed on my credit reports. I have not knowledge of this account. 
XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
Resurgent/LVNV This account is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did not change my address. Paid off early but still didn't give me my title and put a late fee on my credit report.