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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against TransUnion for Willful Non-Compliance Under 15 U.S.C. 1681 Dear CFPB, I am writing to formally submit a complaint against TransUnion for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. This complaint concerns their handling of my XXXX XXXX XXXX account disputes, which I have raised multiple times. 

Despite my repeated requests for investigation and correction, TransUnions responses have been inadequate and dismissive. Recently, I received a letter stating that the information I disputed was not currently on my TransUnion credit report. This assertion is troubling, as the XXXX XXXX XXXX account is a critical part of my credit history and should be accurately reflected in my report. 

Under 15 U.S.C. 1681n, civil liability is established for willful non-compliance with consumer credit reporting requirements. This law states that any entity that willfully fails to comply with these requirements can be held liable to the affected consumer. The liable party may be required to pay the consumer actual damages or a statutory minimum of {$100.00} to {$1000.00}. Given TransUnion 's repeated failures to address my disputes appropriately, I believe they may be in violation of this statute.

Furthermore, I am concerned that TransUnion is following a pattern similar to that of XXXX and XXXX, both of which have faced scrutiny for failing to conduct proper investigations into credit reporting errors. As noted in recent CFPB actions against these agencies, there is a clear obligation for credit reporting agencies to ensure the accuracy and completeness of the information they provide under 15 U.S.C. 1681. 

TransUnion 's refusal to acknowledge and report the XXXX XXXX XXXX account accurately not only affects my creditworthiness but also jeopardizes my access to essential services such as credit, employment, and housing. Their actions appear to mirror the improper practices identified in the CFPBs recent investigations into XXXX and XXXX, raising concerns about systemic issues within the credit reporting industry. 

I respectfully request that the CFPB take action against TransUnion for their failure to comply with federal regulations under 15 U.S.C. 1681, as well as for their inadequate responses to my disputes. It is crucial that all credit reporting agencies uphold their responsibilities to consumers and provide accurate information.

Thank you for your attention to this matter. I look forward to your response and any actions you may take regarding my complaint.

Sincerely,
Product: Checking or savings account

After looking over my account on XXXX in between XXXX I called to have my checking account number change due to the fact that I called off the marriage to my partner. After leaving him I found out that some how he had access to my online banking information in which I did not give to me. The rep I spoke with never told me that my account would be compromise. I had filed disputes and fraud claims only to get a supervisor to tell him that I had something to do with this and talk down to me like I was nothing .They shut down my debit card, and online access to checking account. so if they did send me message on what was needed I could not get it because I did not have access to online banking. I informed them several times that I was a victim of identity theft and where did I need to send the documents the said do not worry. I have been fighting this claims for a long time the forgot to send me any updates on the claims so I had to file and appeal which the close due to my account getting compromise. I request a copy of the following documents that lead up to the denial. They asked me to faxed documents sent the documents thru e message then the denied my claims stating that it was not there it was there they just did not go thru it so I sent over the documents multiple times until I had to do it my self to put each claim the proper document to support it and they said they did not received it. 
I told them that I had identity theft my credit was frozen and lock I filed police reports and FTC report and identity theft report and they still talk down to me and treated me bad. Because I did not the answer to a question I ask and they got mad and raised their voice
Product: Credit reporting or other personal consumer reports

I have disputed XXXX account on my credit report that does not belong to me. I recieved letter back from XXXX stating the account does not belong to me. This dispute is to experian and XXXX. XXXX has verified my dispute as information coming from the same source. Thus there reporting also needs to be the same. see document attached to prove my case.
Product: Checking or savings account

On XX/XX/2023 Bank of America opened a new account in my name without my knowledge or permission. I went on my mobile app on Sunday XX/XX/2023 and noticed a pop up message saying that my new account is now open and they are mailing my card to an old address that bank of America had on file 10 years ago. I was horrified seeing this new account along side the account I pay my rent from. I'm a single parent dealing with a domestic violence situation. So it shocked my to my core! I did not sleep thinking how is this happening. I called as soon as the sun came up. They were not apologetic my rather carelessly saying that it's the internet. I said how when you need to provide so many key credit details to open an account. They ignored the question and said that they would just close the account. They gave no confirmation number even though I asked for it repeatedly. They then sent me and email saying steps to take since this has happened as if I was requesting info because I needed it. Even that email made it seem like they were being deceptive. I asked that my bank cards be replaced they said there is no need. I went in to the branch the next day to request them in person. I'm overwhelmed with the amount of things that I now have to change because I feel so violated. Then I went home and saw this on the news and knew that I was a part of the whole scamming of their loyal customers. It's really hurtful. At one point during the pandemic they were charging so many XXXX $ over drafts I called crying begging them to stop. I have two little boys to feed, really makes my stomach hurt to know how hard we work and they don't value us.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Report shows that I have 3 Late Payments and it doesnt give or list the Company Name, Phone number ( s ) or the Dates of the Late Payment. I have never been late on my payments and I can not find where this incorrect information is located or coming from. I Dispute the 3 listed Late Payments that on my Credit Report. XXXX XXXX XXXX, DOB : XX/XX/XXXX. 
Mobile # ( XXXX ) XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX NM XXXX, Physical Address : XXXX XXXX XXXX, XXXX NM XXXX.Thank You
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX assert that my credit report across all three credit Bureaus is incorrect and Fraudulent. As per House XXXX XXXX XXXX XXXX All debts are obligations of the United States and have been settled. Debts in my name and any variation of my name have been paid in full. XXXX, any negative inquiries in my credit report should be removed and shouldn't be impacting my credit score. Any bank or banking institutions claiming that they have " lent '' or have the power to lend any credit to me upon requiring me to provide my social security number is seen as fraud. As per 15 U.S.C. 1602, I am the sole creditor and my signature is what produces the credit along with my social security number under 15 U.S.C. 1602 ( I ). My social security number is a form of credit, therefore any person who has access or use of my credit without providing any benefit to the card holder is unauthorized use as per 15 U.S.C. 1602 ( P ). Whereas banks who have access to my social security number upon requiring it for a loan and deny me credit is seen as fraud and an act of dishonor. Under 12 CFR 202.9 denying me credit for a bad credit score is an insufficient reason to deny me. I can not be denied credit as I am the one that is extending credit to myself through the use of my social security number. Furthermore I do not recognize any of the inquiries in my credit report in all XXXX credit Bureaus and consider it fraud.
Product: Credit reporting

I recently divorced and was rescored for my insurance rating and due to information provided to them by a company called LexisNexis that interprets my credit information for the insurance company my rates were raised. Their report to the insurance agency said that I have Accounts with Delinquency, Length of Time Accounts Established, Number of Revolving Accounts and that the length of Time Since Accounts Not paid as Agreed. My response to LexisNexis was1 ) I have had only XXXX 30 day late in the last XXXX years. 
2 ) I 've had credit for XXXX years and the " youngest '' active or cancelled account I have is XXXX and the oldest is at least XXXX years old. 
3 ) I only have XXXX revolving accounts, XXXX are store cards that are rarely used, XXXX card for work and XXXX that were personal. All accounts have credit limits over {$5000.00} that never go above XXXX and are paid off monthly4 ) It 's been XXXX years since my only late payment ( XXXX days on a XXXX XXXX Revolving Store Card ). Is that not long enough since my last delinquency? The mortgage company did n't hold it against me. 
The biggest problem with this issue is that LexisNexis interprets data for the insurance company that then provides me with a rating and insurance premium based only on the " issues '' reported by LexisNexis. The rep I talked to today at LexisNexis said that my " issues '' make me a high risk for a claim. Since I 've divorced recently I also had to get a mortgage. The mortgage was obtained with no problem since I have an excellent credit rating and history plus a XXXX middle score. How can my credit make me a high risk for insurance claims but a fantastic risk for a mortgage. Does LexisNexis earn extra or benefit in some way for reporting me in such a negative light? After a lengthy conversation with the insurance company it seems that the only problem with my insurance rating is the report provided by LexisNexis. The insurance company has confirmed that my claim history is good ( no claims in over XXXX or more years ) and I 've been continuously insured for over XXXX years. The score with my ex-husband was a XXXX even with my better credit history and his at-fault accident. Please help me to resolve this issue and get the rating I have earned. Thank you.
Product: Debt collection

Portfolio Recovery LLC is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XX/XX/XXXX and purchased buy PR in XX/XX/XXXX. I have never made a payment or promise to pay to this company. 
I recently reviewed my credit report ( XXXX  ) and found that Portfolio Recovery is doing inquiries on my credit report as follows : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX: XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. 
I am now XXXX years old which would most likely preclude full-time employment. 
Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. 
Thank you for your help.
Product: Credit reporting or other personal consumer reports

I paid this account. It was a chargoff, but I paid and settled the account. Wells Fargo has yet to reflect the {$0.00} balance on my account so my credit report still shows I owe. This obviously hurts my credit and doesn't truly reflect my balances. They may have violated the Fair Credit Reporting act because they have not reporting information accurately by not updating my balance to {$0.00}. I do not owe them anymore. They should fix this immediately. They were quick to charge off my account when I went through financial problems. I paid them. For them to continue to punish me by not reporting accurate information is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Microbilt financial did a hard inquiry on my credit. I don't recognize this company. XX/XX/2022. I tried to contact the company no one responds.
Product: Credit reporting or other personal consumer reports

After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards
Product: Credit reporting or other personal consumer reports

I put in a consumer credit transaction and was denied extension of my own credit I received the inquiry on my credit report from several different XXXX parties and was denied I explained that everything was supposed to be in my financial charge and under 15 U.S.C 1605 it explains down payment was illegal further more my contract was accepted u received your securities but on those securities can u explain who's the lawful owner of my signature is not on no paper who gave u permission to act as beneficiary in my principal 's name I'll show u that u had no permission check the upload I'm sending this to the irs to audit my account that i gave no permission of look up XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX XXXX IDENTITY THEFT XXXX XXXXXXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXXXX 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 of 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 consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Multiple overdraft fees that were not reimbursed fully or at all
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX bal. {$500.00}, XXXX XXXX. {$270.00}, XXXX XXXX. {$100.00}, XXXX bal. {$800.00}, XXXX bal. {$9900.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I was given false information about statuses and payments for my loan. My deferrment date for my loan also changed. My loans were supposed to be in deferment until XXXX XXXX, Navient made my loan repayment change to XXXX XXXX. My interest rate was increased without my knowledge, and no one could give me an answer why. I was forced to take a forbearance for my loans, which continued to allow interest to occur during those timeframes without being offered any other options. They did not work out an affordable payment plan for me when I had a job change/was unemployed.
Product: Credit card or prepaid card

I hold XXXX credit cards with Bank of America. I was enrolled for autopay on both cards using my checking account at XXXX XXXX. I recently closed my XXXX XXXX account and moved my checking account to XXXX XXXX. I neglected to update my autopay settings for my Bank of America credit card, and consequently my automatic payment for XX/XX/2022 was returned. 

As a consequence of this returned payment, Bank of America automatically and completely disabled my access to their online bill payment services for all of my credit card accounts. As a result of this automatic deactivation, I was not able to update my payment information in order to make payment from my new checking account with XXXX XXXX. 

This policy is highly damaging to consumers and should be prohibited. A consumer whose payment is returned is already subject to fees and penalties. Terminating access to the online payment system makes it more difficult for the consumer to correct the issue and make payment to the bank, avoiding further penalties and interest. 

Blocking the consumer 's access to Bank of America 's online payment system makes it more difficult for the consumer to make a payment, resulting in more fees for the bank. If the consumer 's payment is rejected/returned, the consumer should nevertheless be permitted to continue to access the online payment system, in order to submit updated payment information and make payment from a different source. 

Other card issuers do not impose this harmful policy of locking consumers out of the online payment system after a returned payment. Bank of America should be prohibited from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

in XXXX we were forced to go thru the loan modifacation process to prevent forclosure with the federal foreclosure court in my county ( XXXX XXXX XXXX  ) as a result of this process the mortgage holder was told to decrease our APR and also told to assist us in any way they could to keep this from happening again ... they were also told to adjust our due date monthly because my wife ( XXXX XXXX ) and i are on XXXX XXXX XXXX  ... .we continuosly asked them to change our due date to the XXXX of each month so we could make our mortgage payment in concurrence with our XXXX XXXX pay we receive on the 2nd wednesday of every month ... .wells fargo not only has ignored the courts request to work with us but our requests as well thus causing us to be late on our mortgage payment an obscene amount of times all the while wells fargo is reaping the rewards of late fees accrued during the past 5-6 years and also causing us to show delinquencies on our credit reports ... these delinquencies shoul not be occuring and wouldnt be if wells fargo would just have followed the orders of our federal foreclosure judge and the wishes of cooperation thru the federal court ... .i would like these delinquencies and the harm they are causing to my credit to be removed ASAP ...
Product: Credit reporting or other personal consumer reports

My Equifax consumer report has inaccurate information. Report # XXXX. 

I recently obtained my Equifax consumer report from XXXX 

On page XXXX, under XXXX FAMILY SUPPORT DIVISION there are numerous inaccuracies. 
The available credit limit is missing. 
The Payment History information is completely missing from XX/XX/XXXX through XX/XX/XXXX, and XX/XX/XXXX through XX/XX/XXXX. 

It also shows XX/XX/XXXX through XX/XX/XXXX as being XXXX past due. Nowhere does it show 30 days, 60 days or 90 days past due. This is inaccurate. I was never past due on this account because payments were automatically paid. 

High Credit and Credit Limit Information is missing. Amount Past Due and Actual Payment Amount is missing. Date of First Delinquency is missing.

Creditor Classification is missing. Scheduled Payment Amount is missing. Delinquency First Reported information is missing. 

Please make the necessary corrections or delete the account from my consumer report. It is causing me harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called Experian in reference to a medial collection that is less than {$500.00} appearing on my credit report. I was told by an agent and a supervisor that the collection can not and wont be removed until XX/XX/2023. I was advised by XXXX XXXX XXXX vendors that all medical collections should be removed at the beginning of XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Credit Acceptance Keeps Increasing, decreasing and a third time increasing loan balance 2 ) Credit Acceptace is reporting that I've made 3 payments on loan when I never made 1 payment on loan due to a ongoing dispute. Loan date is XX/XX/XXXX, 1st payment was due on XX/XX/XXXX bunt never made payment due to dispute, yet they keep moving numbers around by saying I made payments or missed a payment Also disputed status not reported either.