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

I submitted a dispute to TransUnion regarding inaccurate information on my credit report. The disputed account ( s ) contain errors of charge-offs, late payments, which I believe to be incorrect. I requested that TransUnion provide verification of the reported information, including documentation from the original creditor to validate its accuracy. 

I am filing this complaint against TransUnion for failure to accurately report and properly verify disputed information on my credit file. I disputed multiple inaccuracies, including charge-offs and late payments, specifically related to XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXXXXXX XXXX ( Secured Credit Card ) The account is marked as Paid in Full was a Charge-Off despite having been resolved and paid on XX/XX/XXXX. 

This account should be updated to reflect a paid status without a charge-off notation since it is misleading and damaging to my credit profile. 
The removal date is listed as XX/XX/XXXX, but considering the account is settled, I request an earlier removal or full deletion. 

XXXX. XXXX XXXX XXXX ( Auto Loan ) The account status reflects Paid, Closed ; was 60 days past due, which negatively impacts my credit profile. 

Given that the balance is {$0.00}, and the loan is fully paid off, I request this late payment be removed as a goodwill adjustment or verified with supporting documentation. 

The removal date is listed as XX/XX/XXXX, which is excessive for a settled account. 

TransUnion has failed to properly verify these disputes and continues to report inaccurate and damaging information. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, TransUnion is required to investigate and correct errors within 30 days, yet these inaccuracies remain.
Product: Debt collection

On XX/XX/21 I had TWO stitches put into my hand, and was charged OVER {$1400.00}, a procedure that on average costs right around {$200.00} altogether. I used an in network medical provider and had health insurance. I was told to pay a balance of {$480.00} before I was to be serviced, which I paid in full while I had an open gash in my hand ( documented ). I asked if there was anymore I would owe or be billed later to which I was told no. ( documented ). I was not given an option to refuse an x ray later in the procedure which I was also billed separately for and not notified, so they could code me under a level 4 service and charge me more. ( Also documented. ) I also asked for an itemized list of everything I was specifically being charged for, which I was not given and instead mailed a very vague list which only showed me I still owed {$120.00}, but the math did not add up since there was none. I was certain I had paid my debt in full already. I contacted my insurance company and they were also confused, and was put on a 3 way telephone call with the medical center I was serviced at. This call ended with the medical center unable to provide an adequate explanation as to why I somehow still owed {$120.00} after receiving {$1300.00} between my insurance company and I for XXXX STITCHES, and my insurance representative confused as how I still owed as well, or why I was forced to make a {$480.00} payment before I was allowed to be serviced when I had health insurance. Now Im being sent to a debt collector over a petty {$120.00} after receiving MORE THAN ENOUGH from insurance and I for a XXXX  stitch procedure.
Product: Credit reporting

I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files. I was not able to access my free credit report online via Experian and had to pay in order to obtain a copy of my credit report.
Product: Credit card or prepaid card

In my Marital Settlement Agreement dated XXXX, Page 5 shows that the Bank of America Credit Card belongs to my ex wife XXXX. This was signed by the judge XXXX, in my Final Judgement for Dissolution of Marriage. I have been contacting Bank of America for the last month as this still appears on my credit, and my ex-wife has let it default. On the phone, I continue to get transferred to people who tell me they will look into it, and then nothing. I did receive attached letter dated XXXX, saying it could not be transferred to a 3rd party. She is NOT a third party and was on the initial qualification for this card. I have a court order that this is no longer my responsibility, and this needs to be removed from my credit.
Product: Credit card

I have a Sam 's Club Credit Card financed by Synchrony Bank. On or about XX/XX/XXXX I went to Sam 's Club to purchase some items and scanned them into the Sams Club app to pay for them and the sale was declined. So, I went to the customer service desk at Sam 's Club to find out what happened to my credit card. I was told that Synchrony Bank handles all credit transactions for my credit card and that I should call Synchrony Bank.

So, I called Synchrony Bank and asked why my credit card was declined. Synchrony Bank said that I had not paid my XX/XX/XXXX bill. I told them that that was not possible because I paid my bill in cash at Sam 's Club on XX/XX/XXXX. Synchrony Bank said that they did not receive my payment. They told me that I should send them a screenshot of my payment receipt. I told them that it was at home and that I am in Sam 's trying to make a purchase in the store right now. They said that I had to provide the receipt in order for them to prove that I made my payment. They talked to me as though I was a criminal!

Synchrony Bank cut my credit line in half based on a credit report that I have not seen yet. I don't have any credit problems. They are attempting to justify cutting my credit line for a payment that I made in cash at Sam 's Club on the due date and Sam 's transmitted to them on the same day. I believe that I was disrespected and discriminated against as an XXXX XXXX  man! Synchrony Bank would not have treated a white man in this manner!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I contacted Barclay 's Carnival Master Card points department to ascertain how much money toward a cruise my points equaled.

I was informed that my points were worth double the amount for a XXXX   XXXX  than any other cruise line. 

After researching XXXX  XXXX lines and not finding the cruise I wished to take, I contacted the points department again to see how much points equaled on a XXXX XXXX line cruise. 

I was informed that I would receive the same as I would on a XXXXl XXXX   and given the amount of {$4500.00} and some dollars. 

I booked the cruise and took the cruise in XX/XX/XXXX. 

When I attempted to redeem the points toward the cruise amount charged on the Barclays Mastercard, I was told I would only receive approximately {$2200.00}, not the {$4500.00} I had been promised. 

I made several calls to the company ( and was placed on hold for several minutes, up to 45 minutes in one instance ) in an attempt to resolve the matter. Several times I was told that the recording of my call ( s ) would be listened to and that I would receive the credit amount promised to men by their representative. 

After doing everything the company had asked, there was an " investigation '' that found that even though a review of the phone call they had recorded did indeed support my claim that I had been told I would receive the {$4500.00} in credit, they were not going to award me that amount. 

I asked for an appeal. The company representative and I also agreed that I would not be charged interest or late fees on the disputed amount. 

After a couple of months, the company did put delinquencies on my account for several months for the disputed amount. I realized this when I noticed that my credit rating had dropped precipitously from over 800 points to as low as XXXX I spoke to the company and late charges and interest were removed but not the delinquencies. 

Now, I am applying for a mortgage and my credit report shows serious delinquencies which may affect the mortgage interest rate I am able to get.

So, not only did I not get the entire credit amount that had been promised me prior to the cruise, I had my credit score demolished despite the company having a recording of every conversation I had with them which verified that I had been promised a points credit of {$4500.00}. 

I want the erroneous charge of serious delinquencies removed from my credit report.
Product: Mortgage

Nationstar Mortgage is predatory in nature. Since XXXX XXXX XXXX sold my loan to them, they were constantly calling me or sending me emails for their products, even after I told them not to. Thankfully I was able to get this stopped over time, but recently I called to see how much I needed to pay off my PMI. Nothing was said about a long wait time to get it applied to my account. When I paid the amount needed to get PMI off, I have now been getting the run-around. I contacted them to get it taken off and was told it would take XXXX10 business days to research it and then take another amount of time to research it again before it is taken off. Then, the lady I spoke to said there were other people ahead of me, so they would n't be able to start to look into the matter until XXXX XXXX. It 's XXXX XXXX right now and I had already called about this on XXXX, with no answers. On XXXX, I was told I would receive a call on XXXX about this, but received no call. Now because this is being drawn out so long, I will have to make atleast XXXX other PMI payment. Why does this process take so long and why am I being given the run-around on this?
Product: Checking or savings account

The bank does not properly process and display transactions. ( See photo 1, the account balance has been changed, what was the reason for this is not known ). Disables some services for the time required to calculate the commission ( see photo 2, where overdraft protection service is unavailable ). I believe that the bank artificially creates temporary delays in some payments, not displaying them in the personal account. Thus, in a few days there can be several transactions that have the " pending '' status. According to the bank 's manager XXXX XXXX : " the bank uses priority based on the amount of the transaction, and not the date of the payment, a large amount is considered the main one. '' In my case : XX/XX/XXXX there were 5 ACH transactions with the same amount of {$10.00}, XX/XX/XXXX there was 1 ACH transaction of {$96.00}. Thus, after 3 days, the bank displays all payments at once, first the maximum amount of {$96.00} is debited, and then {$10.00} five times. I believe this is done solely to maximize the overdraft commission imposed on the account. Once again I want to draw your attention to photo 2. The result of the manipulation : XXXX $ ( overdraft ) * 5 ( times transactions ) = XXXX $ fees. At the meeting with the bank manager, I did not receive any clarification about the photographs provided and explanations to them. XXXX XXXX 's promise to sort it out was not crowned with a positive result, as the person was directly interested, and the photo remained without any explanations or comments, as well as the balance of the account. Earlier, I have already encountered overdraft charges to my account in the Key bank, but after I showed that I can not manage my debit card in the Key bank app, where it says that I don't have it, fees was dismissed... I wish to believe that it's system error, but manager said that he needs to ask someone and that I don't have a right to know it, but he will submit me a decision on a next day. I am forced to consider this as another manipulation on the part of the bank, when the manager shifts his powers to an indefinite person and avoids answering the photographs presented by me at the meeting. 

P.S. on the top of the pictures is date when it was created.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply withF air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX  XXXX )
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX. I sent my FTC Report, ID, and 15 USC 1681c-2. I will be filing a civil suit for inaccurate information reporting on my consumer report.
Product: Debt collection

Company has stated to myself and CFPB that they would remove negative info from my credit file according to Case number : XXXX negative info still remains on my XXXX report for {$420.00} and {$140.00}. I ask that these are both removed from my XXXX report as they said they would do. These collections are preventing my husband and myself from obtaining a good report and keeping us from being able to purchase a home. Thank you
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and Ally Financial ran an unauthorized credit inquiry on me on XX/XX/2022 and XX/XX/2022. 

This is a notice to cease your unauthorized hard inquiries on my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history. 


I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 these places has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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 inaccurate
Product: Credit reporting or other personal consumer reports

The following late payments were reported incorrectly. 

XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/XXXX XXXX XXXX
Product: Debt collection

The debt was discharged in bankruptcy however XXXX continued to contact me requesting that I make a payment. I made a full payment of XXXX as requested. It shows on my credit report as discharged in bankruptcy so they had not right to harass me for payment. I would like a full refund of the XXXX that I paid to their company.
Product: Credit reporting or other personal consumer reports

As I have previously stated, this debt : XXXX XXXX XXXX $ XXXX Account number ( unknown ) does not belong to me, and I have no knowledge of this account ever being opened in my name. My identity was stolen, and this account was fraudulently created without my authorization. Simply asserting that the debt is " accurate '' or " valid '' and stating when it was opened does not prove that I, XXXX XXXX, am responsible for this account. This claim does not negate the validity of the FTC Identity Theft Report or the police report from the XXXX XXXX XXXX Department ( Report Number : XXXX XXXX ), both of which are included with this letter. 

Your companys validation of the account only confirms that it was opened due to fraud, which makes it unlawful to continue reporting it. Under consumer protection laws, I am entitled to have this false information removed : 15 U.S. Code 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies block information resulting from identity theft upon receipt of an identity theft report, which I have already provided.

15 U.S. Code 1681s-2 ( a ) also prohibits any company from knowingly furnishing false information to consumer reporting agencies.

Continuing to report this inaccurate account is a violation of these laws. For the third time, I am requesting the immediate removal of this fraudulent account from my credit report. Failure to comply with this request will leave me no choice but to escalate the matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me under the FCRA and other relevant statutes. 

Please confirm in writing that this account has been removed from my credit report and that no further attempts will be made to reinstate it. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  : Account number XXXX, has 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. My credit report is attached to reference this account
Product: Debt collection

I had an accident at work on XX/XX/XXXX and was ordered to go to XXXX ( at : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) by my former employer, XXXX, through workers comp. I have since been harassed by this third party creditor ( Merchants Credit Guide ), who has been falsely accusing me of this debt which falls under the responsibility of XXXX. I called XXXX and they even provided me with a claim number : XXXX and a dedicated line to XXXX XXXX XXXX XXXX for XXXX employees : XXXX XXXX XXXX XXXX XXXX. The XXXX representative confirmed that various charges can be handled under one claim. On XXXX and XX/XX/XXXX, I disputed the two charges that Merchants Credit Guide placed on my credit reports. Under my XXXX  report, they only removed the one that was for {$230.00} and kept the one for {$1000.00}, even though they ( Merchants Credit Guide ) listed the same account creation date of XX/XX/XXXX for both. They also only removed the ( opposite ) charge of {$1000.00} on my XXXX  report and kept both on my XXXX  report, even though I disputed all ( 2 ) of the charges, via all three bureaus. There are so many inconsistencies. I dont know how they can confirm that I dont owe a certain amount to one bureau, and yet confirm that I do under another bureau. Lastly, the creditor needs to handle this issue with XXXX and not me because I do not owe this debt. The creditor has even gone so far, as to call my partners relative to discuss the debt ( this, in itself, is already in violation of the Fair Debt Collection Practices Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX Account number XXXX Is reporting on my credit report Account charged off. {$480.00} written off. {$480.00} past due as of XX/XX/2023. This information is incorrect and I have asked XXXX to remove this account from my report and they have not replied back
Product: Credit reporting, credit repair services, or other personal consumer reports

experian credit reporting agency refuses to remove invalid charges that belong to someone else but me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX XX/XX/2021 AND XX/XX/2021
Product: Debt collection

In XXXX of 2021 a collection with L J ROSS ASSOC XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Was deleted from my credit report because it was not mine. Information provided says it was for a XXXX XXXX account which I never had in my name. I was just alerted by XXXX XXXX that this scavanger debt collector says this account was opened 1 month ago which is a lie as I went through this a year ago and it was removed because LJ ROSS could not validate this debt. My credit score went down XXXX points because they just decided to erroneously and illegally put this on my credit like a new collection account. When you call this office, they attempt to threaten, harass and berate you into collecting money. Please have them remove this from my credit. I do not even liv ein NY