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

Complaint against TransUnion for Failure to Remove Invalidated Items from Consumer Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to remove invalidated and unverified items from my consumer report, in violation of consumer protection laws. 
These are the accounts that should be removed immediately. 
Company, XXXX XXXX XXXX a collection account showing as open that has not be validated and no contract has been presented to me showing I consented to contract and is reporting as open. 
Company, XXXX XXXX XXXX XXXX, a collection account showing as open that has not be validated and no contract has been presented to me showing I consented to contract and is reflecting as open. 
Company, XXXX XXXX XXXX, an identity theft report has been filed against them and submitted to Transuion. 

I have submitted disputes regarding these items, but Transuion only responds with Item meets FCRA requirements, but with no details as to who it was verified or validated by or any details about the investigation.

TransUnion has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must provide accurate and complete information in consumer reports.

TransUnion has failed to conduct a reasonable investigation into the disputed items on my consumer report, as required by Section 611 ( a ) ( 1 ) ( B ) of the FCRA.

TransUnion 's refusal to remove the invalidated items contradicts the provisions of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which mandates the prompt deletion of inaccurate or unverifiable information.
Product: Debt collection

i moved from my address in XXXX XXXX to a new address XXXX. I called XXXX XXXX in XXXX XXXX XXXX to transfer the service, everything was set up to transfer and I moved to my new address. In XX/XX/2021 I started to get calls that I owed a bill for XXXX XXXX XXXX. I called my account and it showed XXXX $ owed. so i called cox and they advised that my services at my old address was still open and they made a error in setting up my transfer. They set up a new service account and left the old one open, they advised me they had fixed the issue and credited all the unused services at the old address closed it. I just recently received a report on my credit appthat cox as filed a derogatory mark on my credit for none payment. I attempted to call and get the matter resolved, and they did with to do so. I advised they can pull the own recorded calls and the notes from my full account should show when i moved and the errors in the account set up. They still refused to removed the mark. 

I notified berran wheeler by letter that this was not my debt and I disputed it. And to no longer reach out to me. They have continued debt collection efforts and will not validate the debt with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an unauthorized credit enquiry by XXXX bank on XX/XX/22 on my credit report. please investigate and remove this enquiry because it was done washout my consent, thank you.
Product: Credit reporting

Equifax keeps giving me the run around on getting things removed from my account
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out some billing errors that violated the Law I attached the XXXX file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Product: Credit reporting or other personal consumer reports

I called the company to ask questions. I was transferred to a debt collection company who gave me inaccurate information. Wrong dob wrong residents it was just all wrong.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

Was mailed a fraudulent collection letter. Not owed. I have no collections.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX for over a year now trying to get the bankruptcy removed they keep telling me to contact the us bankruptcy court upon contacting the us bankruptcy court they advise they do not report to the credit agencies then I advise the credit agency of this they say its XXXX XXXX  who reported the information spoke with XXXX XXXX who advised they have suppressed my information an its no longer available reach back to XXXX who keep saying XXXX XXXX certified this information. I am requesting information be deleted.
Product: Money transfer, virtual currency, or money service

USAA continues to make changes to transfers without notifying clients. Money transferred by XXXX on XXXX is now being held without notice or good reason. The money clearly shows it's arrived in my USAA XXXX activity account. I routinely transfer funds via XXXX for convenience and speed of delivery. I am now overdrawn and delinquent because of a change unbeknownst to me. The rep could not answer " why '' or when the funds would hit my account. We need to stop letting Banks " hold funds '' unnecessarily in the name of " Fraud '' protections.
Product: Credit card or prepaid card

I have an account with Comenity bank, which is a store card for Zales. I have two promotional balances on this account currently and have faithfully paid on time and well over the minimum required balance. Unfortunately, Comenity continues to split the payments between the two balances instead of applying the payments toward the promotional balance that ends on XX/XX/XXXX. I called last week to ask why this is and got an explanation of their policy and the agent admitted that the payment allocation does follow the policy. On that call, I confirmed the remaining balance for that promotion was {$85.00}. I made a one time payment on that call for the amount of {$85.00}, which I was told would pay off that promotional plan. I also had another scheduled payment after that for XXXX posted on XX/XX/XXXX. I called today, XX/XX/XXXX and was told there is still an XXXX balance on the promo ending on XX/XX/XXXX. The rep, XXXX XXXX, stated I will find out how my last two payments were applied on my next statement. She refused to provide confirmation in writing that they applied the payment to the promo ending on XX/XX/XXXX. She also refused to provide a physical address for Comenity Bank so that I could send a XXXX request for information. 

Of the {$75.00} paid on XX/XX/XXXX, only XXXX was applied to the promo ending on XX/XX/XXXX and XXXX was applied to the promo ending on XX/XX/XXXX. 

Payment made on XX/XX/XXXX for {$75.00} was applied as XXXX toward the promo ending on XX/XX/XXXX and XXXX applied to the promo ending on XX/XX/XXXX Both of the statements with the above payment applications warn me to pay off my promo balance soon but fail to provide me a way to do so. The reality is, both of those {$75.00} payments should have more than paid off the remaining promo balance that ends on XX/XX/XXXX. 

I have attached the statements showing how these payments were applied.
Product: Debt collection

This debt collector, Makes multiple calls a week, Tell them I need them to mail me a written debt validation letter, they say they mailed it out, XXXX months later more phone calls ( never received a letter ) Tell them I never received it well it's not our fault must be the XXXX. Ask them to fax it.they won't do that because it's not my personal fax, ask to email and they said it would be in my email by the next day by XXXX, well it's now XXXX after that and still no email. 
Ready to lawyer up this is harassment at its finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Navy Federal Credit Union failed to perform their obligation to respect and protect my privacy. Navy Federal Credit Union failed to provide me an adequate opt out notice and Ive NEVER granted Navy Federal Credit Union any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Navy Federal Credit Union actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Navy Federal Credit Union breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Navy Federal Credit Union to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Navy Federal Credit Union is required to comply with this opt out notice upon receipt and comply with the follow
Product: Checking or savings account

Received a letter from Square for a business debit card. Thought card was advertisement since it did not include any terms and conditions or account agreement. There was not Truth in Lending Act related materials at all, just a card. I realized the business debit card may have been legitimate as it had an account number, CVC code, and expiration date. This happened on XX/XX/2023. I called Square at XXXX and requested a call back in their IVR as that was an option. An agent called me back from the same number at XXXX XXXX  MDT which got me with a " Hardware Installment '' agent. The agent I spoke with could not connect me to a fraud department. They said their fraud department is not customer facing and could not call me back. The agent could not provide details about what date the account was open. I asked if someone needed a social security number to open the account, and they said it is optional. I asked if there was a social security on file, and they said no. The agent told me that when a social security number is entered for an application it encrypts it for them as agents so they do not have a way to distinguish if one was given at time of application or not. The Square business debit is issued by XXXX XXXX, member FDIC. Square  has very vulnerable security as it appears they will let anyone open a business debit card account and does not cooperate with consumers to get additional details when there is a legitimate identity theft concern. All they said was to contact the police. I have no idea what type of account ownership dispute Square does if the " Hardware Installment '' agent is acting in the capacity of a fraud agent and does nothing to help.
Product: Debt collection

I received a phone call at XXXX XXXX  ( XX/XX/18 ) from XXXX XXXX XXXX XXXX. When I called back I was informed that this was a debt collection agency. After speaking with the agent over the phone I was informed i needed to verify who I was so that she would be allowed to speak to me. I reluctantly told her my information to then be told that I don't have a debt. 

My information included - name, address, last 4 of social, birthday ( month, day, year ) -- - at that point she said she was now allowed to tell me what the debt was because it was now verified. 

my concern is that I provided personal information and then was told there was no actual debt in place. 

I called back to the main line ( XXXX ) and they said that had no record of me in the system.
Product: Credit card or prepaid card

XX/XX/XXXX, I was enrolled into the LTA program for the second time. The agent handled everything including setting up the first 12 payments. I also decided to make the first qualifying payment of {$110.00} the same day I was enrolled so that there would be NO problems. On top of this, I made an additional payment of {$110.00} just to be on the safe side! This was very hard for me to do but I did it anyway. Well, today, I find out that I was taken out of the program ONCE again because Barclays stated I did not make my first qualifying payment on time. Well, the agent took my payment OVER the phone on the same day he enrolled me. THIS IS BECOMING RIDICULOUS NOW. I'm trying to work with Barclays but they are definitely not working with me. I'm really ready to just give up and not pay anymore because their customer service drops the ball EVERY TIME. NOW, WHAT WILL BE THE EXCUSE AS TO WHY I WAS TAKEN OUT OF PROGRAM? I'm sure you can go back and listen to the entire conversation on XX/XX/XXXX. I called that day several times until I reached someone whom I thought could assist but still the ball was dropped. This will be my last time trying to enroll into this program before I call it quits! I demand a full refund of all late fees since I know Barclays will drag this issue out causing me to incur late fees. Your LTA is very flawed and your agents arent knowledgable enough to assist struggling customers with enrollment properly. I did call in to speak with someone and they have told me that a case was opened up and someone should call me within 48 hours. Its been over a week and no one has called to rectify this situation. Not my account it past due and I have incurred 2 late fees that I want credited!
Product: Debt collection

on XX/XX/year> I mailed a debt validation letter to Eaton group requestion proof of the debt assignment and the original contract that I sign with the original creditor this was done under 15 usc 1692g fair debt collection practices act. also i am totally unaware who this company is and why my personal information was sent to them without my authorization. also a payment history and dates from the original creditor.
Product: Credit card or prepaid card

The man I thought was my XXXX XXXX  applied for a credit card in my name without telling me. I never authorized for him to do so and I never gave him permission to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To Whom it May Concern, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. 

Please reinvestigate this matter and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

We were going to open a XXXX acct and decided before our time period we didnt want to and stayed with XXXX XXXX XXXX XXXXXXXX sent us to a collection company Convergent Outsourcing. I call this collection company and offered a settlement payment if they would not report to credit bureaus or if they had to remove the account completely. They agreed. We made the settlement payment but they did not do what they promised and it is showing on our credit bureaus and we want it removed as it is destorying my credit
Product: Vehicle loan or lease

In XX/XX/XXXX, my XXXX XXXX XXXX was declared a total loss by my insurance company, XXXX. Thus, my insurance company and Gap coverage sent separate checks to Santander to pay off the auto loan ( ~ $ XXXX ). However, Santander continued to bill me and assess additional late fees. This company refused to work with me when I notified them of their billing discrepancy. Resultingly, Santander lodged a fraudulent campaign against me and my credit worthiness, reporting derogatory remarks to the credit bureaus. Their actions have impacted my life negatively, causing undue XXXX, stress, and severe XXXX. Their aggressive and negative actions have ensued my ongoing financial hardship relative to an inability to receive any other loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.
Product: Credit reporting or other personal consumer reports

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.6.C 16815-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is accurate. 

Delete the accounts bellow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX XXXX where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a payment of {$500.00} to XXXX XXXX to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment XXXX XXXX reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called XXXX XXXX and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with Transunion on XX/XX/XXXX and XXXX XXXX LIED to Transunion stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX XXXX XXXX reports to transunion that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with XXXX on XX/XX/XXXX XXXX XXXX again lies and tells them the information currently on there is correct. I have called XXXX XXXX multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with XXXX and they still refuse to update my balance. I filed another dispute with transunion on XX/XX/XXXX and that is pending. I just got off the phone with XXXX XXXX and now I was told I need to send them a request to have this looked at and it could take 30 days.
Product: Mortgage

My in-laws passed away on XXXX and XXXX, respectively. Shortly after my mother-in-law passed, when my wife ( her daughter ) and I went to settle her affairs, we discovered she had an outstanding home equity loan with Chase Bank, among other debts. Although we were able to quickly and painlessly settle all of their other debts, after more than 5 months of trying we have been unable to persuade Chase to permit us to pay the outstanding balance. Instead, they continue to send foreclosure notices addressed to my wife 's dead mother, and most recently had a note posted on the door threatening to break in and change the locks. When we originally contacted Chase in XXXX, we faxed them both death certificates. They then removed my father-in-law 's name form the loan, but proceeded to send my mother-in-law foreclosure notices, despite us calling them multiple times and even once showing up in a branch with a check made out to them in innumerable repeated attempts to pay off the loan. Several weeks ago, they finally sent us a Third Party Request, which we returned asking to be authorized to speak on behalf of my dead mother-in-law, that they " continue to review '' while they continue to drag their feet and inexplicably refuse to take our money, all the while interest and fees continue to accrue. The repeated threatening letters to my wife 's dead mother, and the threatening notice stuck on the front door today, combined with the inexplicable refusal to accept payment, seem at best to be an attempt to extract additional interest from the loan, if not to outright seize the property.