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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Final Demand for Immediate Removal of Fraudulent Accounts and Rectification of Defamatory Reporting To Whom It May Concern, I am writing to express my extreme dissatisfaction with TransUnions handling of my disputes regarding fraudulent accounts on my credit report. Despite submitting well-documented evidence and over 100 dispute requests over the past two years, TransUnion has consistently failed to resolve these matters, allowing damaging and fraudulent accounts to remain on my report. This letter serves as a formal demand for immediate action to address your continued negligence and reckless reporting. 

New Fraudulent Accounts Recently Reported In addition to the previously disputed accounts, I have discovered new fraudulent entries on my credit report as of XX/XX/XXXXXXXX XXXX XXXX which I formally dispute as false and directly tied to identity theft. These accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These additions further demonstrate TransUnions failure to investigate and address fraudulent activity effectively. 

Previously Disputed Accounts Despite submitting extensive documentation, including an FTC Identity Theft Report, police reports, and a Notice of Data Breach from my former employer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations and Damages Your continued reporting of these fraudulent accounts is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to : Conduct thorough investigations when a consumer disputes an account ( 15 U.S.C. 1681i ).

Remove unverifiable or fraudulent information promptly.

Your failure to act is actively defaming me to third parties, including landlords and creditors, severely damaging my reputation, credit score, and ability to secure housing.
Product: Debt collection

On XX/XX/XXXX, I have been calls between the hours of XXXX XXXX. in reguards to an out dated debt of {$150.00} the person claimed to be representing Jefferson Capital Systems , LLC I was informed that if I do not pay the amount in question that my bank account, will subject to asset sizure. Including notifying credit card companies and reporting to all three credit reporting companies also stated that " they Jefferson Capital a group of people to place of home to obtain payment if not done so my place will be burned. ''
Product: Credit card

I have a credit card with Home Depot. Home Depot cards are issued by/through Citibank. I have a Citibank HD credit card. For quite some time, my credit limit was {$1000.00}. I have never gone over the limit, and I have never paid late. Recently, I have been trying to pay my credit cards off/down to increase my XXXX score. On or about XXXX XXXX, I paid the {$800.00} balance on my home depot card down to {$500.00}, which would be 50 % of the {$1000.00} limit. Immediately after crediting the payment, without notice or justification, Citibank lowered my credit limit from {$1000.00} to {$700.00}. This action immediately changed my credit utilization from 50 % to over 80 %. It is a well known verifiable fact that credit balances over 50 % have an negative impact on credit scores. CITIBANK CLAIMS THAT A RECENT REVIEW SHOWS CERTAIN ITEMS -- those items have been on my credit report for several years, even prior to when I opened my Citibank/HD card. Citibank knew of these credit items before even opening my account. Citibank gives a fake reason, claiming credit issues that it already knew about, that already existed when they opened the account and now claims that suddenly, now they matter. Citibank, and other credit cards, intentionally lower credit limits for the express malicious purpose of keeping lower income/credit persons from improving/increasing their credit score. Even if this is not the express purpose, it has the same impact. Credit companies should be expressly prohibited from lowering a credit limit that has never been late and never gone over the credit limit unless certain stringent standards are applied. Otherwise, credit companies can continue to maliciously manipulate credit scrores, thereby continuing to limit credit opportunities to high cost, low credit cards. The federal policy has been to LOOSEN credit available to consumers. Allowing credit companies to maliciously lower credit limits after a payoff allows credit companies to malicously manipulate credit scores. Why is this even legal?
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that they sent the statement to the wrong address, causing the late payments on my end. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

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

The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX  months that name variation increased on my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX close to XXXX of 2022 I traded in my camper to XXXX XXXX for another camper. 
the camper I traded in was with M & T bank. Once the trade was complete it showed that my account was closed and I financed my new camper with another bank. As of end of XX/XX/2022 i was receiving phone calls from M & T bank to call them, Once I was able to talk to someone they told me that i was 4 months past due on making a payment. I told them there is no way thats possible cause the loan i had on that collateral was traded in to XXXX XXXX that I even dont own that camper anymore. So i called XXXX XXXX  They called the bank and spoke with them and sent them all the documents that the camper was traded in and resold to another customer. During this time i was promised by XXXX XXXX and M & T bank that while they were trying to figure all this out that my credit was not going to be impacted. Well as of Friday XX/XX/XXXX was notified by XXXX XXXX that there was a change in my credit so i looked into it and shows that M & T bank has reported me as deliquent on payments with them. This is falsely reported considering This account shouldnt be open or even in my name. I was told to file a report before taking legal matters as to where this has hurt my credit tremendously.
Product: Student loan

I received a private loan from XXXX XXXX in 2010 for my undergraduate studies at XXXX XXXX XXXX. Upon graduation, I attended XXXX school at XXXX. I eventually deferred my loan repayments ( which took months ). I recently found out that Navient took over my loan repayments ( XXXX XXXX did not inform me ). Since last week, my mother ( co-signer ) and I have been receiving calls from Navient, not during business hours, about paying. I logged into my Navient account for the first time today and it said I defaulted of my XX/XX/XXXX payment which was supposed to be deferred since I am still in XXXX school. Now i have to re-apply for deferment which I fear may take months and may negatively affect my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX 
XXXX XXXX. 

Ive asked for ffa and proof of debt. None sent. Ive paid some collections in settlements and asked them to be removed. They say it would. It hasnt. 

I also cant dispute inquiry on XXXX Experian or XXXX. 

Most dates are incorrect. Most debt is incorrect. 

Credit cards show late payment but Ive not been late and my score decreased XXXX points. Disputed. No action was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX  Credit Report my account status displays as closed with an error in number sequencing with late payments the account is satisfied the company stated once paid the tradeline will be removed the update status is XX/XX/2020, according to the FDRA the tradeline is compromising my payment history is reporting illegally compromising my credit score affecting my creditworthiness which interferes with obtaining and establishing ongoing credit.
Product: Mortgage

On XX/XX/2018 I got a payoff quote for my loan with Chase Bank of {$6200.00} with a balance on my last statement dated XX/XX/2018 of {$6100.00}. I called in and spoke to a customer rep to make the payment of {$6200.00} and she said I couldn't make it as it was more than I owed. I explained that is my payoff and she said that it can not be done by her. I then spoke with a supervisor who told me that I can not make payoffs over the phone for which I believe is a violation of banking rules as they allow payments by phone which are taken directly out of my account. The supervisor said he would process the payment amount of {$6100.00} which is the amount on my last statement. I said I wanted to pay it all off and not pay compounded interest on what has already happened. He said he would take the remaining money from my escrow account and it would be paid off. I said ok then he said he couldn't process the {$6100.00} and he could do {$6100.00} which he then did. The money was taken directly out of my account as I authorized it. I don't know why I can not make a payment of my full payoff or even the amount on my last statement for that matter over the phone. 

To me it is a way for them to keep accruing interest on my loan without giving me the ability to pay it off in full. 

While the employees are very nice and tried to do what I was wanted they don't have the ability because of the computer system. This system is flawed and causes hardship and unnecessary compounding interest to be accrued. I feel their system should be fixed and they should be fined for not allowing me to do a payoff in full or even pay the amount owed on my last statement.
Product: Credit card

Applied for a credit card with Capital One. Application process makes you jump through all these hoops, including income verification through fax/snail mail, which is insulting considering no other credit card issuer requires that information ( and considering my previous account with CapOne ). I subsequently provide the necessary documentation through their antiquated methods ( i.e., fax ). Three weeks go by without hearing back prompting a call to customer service. Customer service is inept, ca n't find the info to process the application, refuse to do anything else to help. Absolutely done with this company, they 've lost a customer for life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX  XXXX Balance : {$560.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/29 Opted-out third party reporting & Credit Reporting Updates Asked to keep my account open, as I never instructed to close the account. 

XXXX, XXXX and Equifax refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # Incorrect non-matching account type- detail incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data are reporting several inquiries to XXXX, XXXX, XXXX and XXXX that are from unknown sources - 15 U.S. Code 1681g. In addition, these inquiries are more than two years old and should not appear on any of the bureaus. Lastly, my legal and birth name is XXXX XXXX. No other names should be reported on my credit report. Any names reporting on my credit report are different from my legal, birth name, XXXX XXXX is committing illegal activity - identity theft - fraud.
Product: Mortgage

Ok so i closed on my first house XX/XX/23 my monthly payment was XXXX. Two weeks ofter closing i received a email saying they have the wrong tax information for the land i of to pay a extra XXXX dollars a month. So i reach out to loan company ( new American funding ) and i told them i can not afford that. I already settled for what i can afford they said they understand and there going to call me back in 2 to 3 days time no call or email. I still go ahead and make my monthly payment for XXXX now login on there app XX/XX/23 only to see my monthly payment went from XXXX to XXXX. And i can not afford to pay that so now am worrying my house going on foreclosure because of something thats not my fault..i sign and agreed to pay XXXX a month because thats what i can afford and comfortable paying
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Marcus customer service to ask to change my due date. I was told I should escalate my concern to a supervisor. I did so and the supervisor said my request would be put in manually and I would receive a call back as they were still transitioning and were having multiple issues. For almost two weeks, I did not receive a call back. I call again on XX/XX/XXXX. The agent could not find this request but found a complaint. I asked to be transferred to a supervisor and my request was not initially honored. Thus, I was forced to repeat myself multiple times for a supervisor- which was unfairly tough on me as I have a XXXX XXXX that was illegally aggravated here by Marcus. When I was transferred to a supervisor, the supervisor proceeded to defend the first agents blatant misconduct by saying that the answer was clear. I said it was not clear when on XX/XX/XXXX I was asked to escalate this issue and I was told I was going to get a call back. She told me that the complaint was closed stating I asked this question multiple times and got the same answer, which was clearly a false and fraudulent entry because I was asked to escalate the call on XX/XX/XXXX and I was told Id receive a call back and I was sympathetic at the time to the operational issues. However, because I was being blatantly XXXX now by this supervisor, I told her I felt I was being XXXX  discriminated against by being so openly lied to and disrespected by having my integrity questioned. A Marcus employee intentionally lied on a written document saying I had gotten the same answer multiple times, when I had in fact not gotten the same answer. Then, disgustingly and despicably, I was literally ordered by this supervisor to stop making this allegation as if I were some type of animal who could be ordered like that. She said this after I told her I was going to complain to the CFPB. She seemed to be intending to criminally obstruct my complaint and subsequent federal regulatory investigation by this illegal and outrageous order. Perhaps, she was not intending to intentionally be XXXX with her offensive order - but rather was just going rogue because she was being lazy and did not want to research the truth into what was actually said to me on XX/XX/XXXX.
Product: Prepaid card

This account on my consumer report from this buisness called XXXX was a prepaid card that was linked to my traditional bank account at XXXXXXXX XXXX  I disconnected it from my account after being alerted by XXXX XXXX that numerous withdrawals were being made by this card out if my account. When I contacted XXXX through online chat because that was the only way to reach them, they explained that it was to build up my overall credit by having higher spending limit to pull from. Again this was a prepaid card so they wanted me to prepay a XXXX deposit to be able to access spending points to earn merchandise they would allow you to choose from when you used their card. I immediately informed them that I was unlinking them from my bank account and to close this card and refund the {$200.00} they had already taken out of my account. They said to do that I would need to speak to another department and I would have to call instant message them the next day between XXXX. Which I never did I just put a restriction on them accessing any more funds from my XXXXXXXX XXXX account. Now I see on my consumer report that they have reported a late payment which very much hurts my overall score and is a derogatory mark on my public consumer file and I believe they did this with the intention to tarnish my public consumer standing with other consumer agencies. If you look at the documentation provided by the identity iq upload you will see that the last date of activity is recorded as XX/XX/XXXX but the 30 day late payment is XX/XX/XXXX and keep in mind this was a prepaid card there were no payments to made or any payments that could be counted as late. This is a malicious tactic to sabotage my consumer report standing.
Product: Debt collection

After I submitted my third complaint stating this is a fraudulent account and that I did not give permission for United Rev Corp to report non accurate information on my XXXX credit report and I have never had a medical debt with United Revenue Corp or XXXX  XXXX XXXX. I finally received the response from United Revenue ( the debt collector ) on XX/XX/2023, case # XXXX stating that they realized that XXXX had made a payment on the account, and they have written off this balance from their records and consider the account to be paid in full. The account has been cancelled from United Rev Corps XXXX and that they have processed a manual credit deletion. 

However, it has been almost 90 days and this same fraudulent account that I did not authorize to report on my credit report still HAS NOT BEEN DELETED. I demand that the fraudulent account is removed from my credit report immediately. Again ... This is not my debt and is non accurate information on my credit report with XXXX. Please remove this as stated in your reply on XX/XX/2023. The company made an error, and this was paid. 

thank you, XXXX XXXX XXXX
Product: Credit card

Account has {$0.00} balance. Can not close account on website. Attemped to close by phone, answered all verifying questions, but they want to put me through a long questionnaire at their fraud department and will not allow me to close. This account has {$0.00} balance. Close my account, im done playing your games.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX