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

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Reinsertion Request Due to FCRA Violation Dear TransUnion, I am writing to bring to your attention a matter regarding a recent reinsertion of negative information on my credit report, which I believe violates the provisions of the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal request for investigation and correction of this issue. 

On XXXX XXXX.I noticed that [ description of the negative information, XXXX XXXX such as a previously removed account or derogatory remark ] was reinserted into my credit report. However, upon thorough review, I have reason to believe that this reinsertion violates the FCRA, specifically [ cite the relevant section of the FCRA, if applicable ]. 

According to the FCRA, consumer reporting agencies like TransUnion are required to follow strict procedures when reinserting previously deleted information onto a consumer 's credit report. These procedures include providing written notice to the consumer within five business days of the reinsertion, along with the name, address, and phone number of the furnisher of the information. Furthermore, the consumer must be given a description of the procedure to dispute the accuracy or completeness of the reinserted information. 

Unfortunately, I did not receive any such notice regarding the reinsertion of the aforementioned information. As a result, I was deprived of the opportunity to verify the accuracy of this information and to exercise my rights under the FCRA to dispute any inaccuracies. 

Therefore, I am requesting that TransUnion promptly investigate this matter and provide me with a written explanation of the reinsertion, including the date it occurred, the identity of the furnisher of the information, and the procedure to dispute the accuracy of the reinserted information. Additionally, I request that TransUnion remove the reinserted information from my credit report until such time as it can be verified as accurate and compliant with the FCRA. 

I expect your prompt attention to this matter and request that all communication regarding this issue be conducted in writing. You may contact me at the above address or via email to provide updates on the status of the investigation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Add Remarks to my XXXX XXXX XXXX  closed account. 
A ) was attempting to catch-up on payments before account was closed, all attempts to do so was rejected by the bank in a rude manner. 
B ) was harrassed by a collection agency hired by XXXX XXXX XXXX to collect on past due amount, but the a higher amount was asked. A FDCPA violation. 
C ) repossession company breached the peace by entering the house unannounced and making demands. 
D ) still charges interest on this closed account to make it look like I haven't made a single payment in the accounts history.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my current credit report from Experian credit reporting agency. I notice that an account under the name ( XXXX XXXX XXXX  ) reports inaccurate, misleading, Unverifiable, inconsistent information on my consumer credit report. 

Account : XXXX XXXX XXXXnk : Currently reports inaccurate balance and credit limit amount. A violation of FCRA rules. Sec 1681.

: Currently reports no last date of payment as required by fcra rules section 1681. As a result this is a violation.

: Currently reports no date of first delinquency. A violation of FCRA rules section 1681.

Currently reports multiple charged off status each and every month after Account has been changed off. A violation of FCRA rules section 1681. 
Currently reports Account last updated in XXXX of XXXX, while account was last disputed in XXXX of XXXX a clear indication that account was not properly investigated. A violation of FCRA rules section 1681.

Currently reports in comments that account meets fcra requirements, while reporting inaccurate, misleading, Unverifiable, information. A violation of FCRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off a dispute letter over a month ago. the credit bureau has not responded nor corrected my problem.They are reporting inaccurate information.
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX 2017, the credit bureau, compromised many Americans personal information and just recently released this finding to the public. I am filing a complaint to ensure that not just me, but those that have been effected, get their lost or stolen identity back.
Product: Debt collection

this is part of the other complaint. To add a police report from XXXX XXXX Ga XXXX XXXXXXXX XXXX. XXXX XXXX was kind enough to send me a copy of the original lease. Corporate office in XXXX also told me Genisis does not have me in their computer system as ever having a debt, it is only as XXXX, and that they did in fact sold it to a XXXX party collection agency who do not work for them. The detective looked at the XXXX leases side by side with many different inacuracies and even dated with different dates. He even called and asked XXXX how it could have happened. The late fees for paying late were even different. They forged documents and switched the name on the charges statement to try to get me to pay monies I dont owe and put me on collections on the credit reports. This should be a felony!
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate late payment report on my credit reportsTransUnion, XXXX, and XXXX from M & T Bank Under 15 U.S.

Code 1637 ( b ), creditors are required to provide periodic statements to consumers at least 21 days before a payment due date, giving adequate notice to ensure timely payments. In my case, I did not receive my statement within the required timeframe,
which may have led to the late designation on my account. 
Based on my records, I have consistently made payments on time and have not been late. 
Therefore, I believe the " late payment '' notation on my account is inaccurate and unjust. 

I respectfully request that my credit report be updated to reflect " paid as agreed '' and " never late '' for this account. Please investigate this matter and assist in correcting this discrepancy to ensure my credit history accurately reflects my payment record. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPARTMENT OF EDU XXXX XXXX - XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account XXXX XXXX XXXX acct # XXXX, Dept of EdXXXX account # XXXX, Dept of EdXXXX account # XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Ed/XXXX  account XXXX XXXX , violated my rights 15 U.S.C. 1681 Section 602 A states I have a 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 written instructions.
Product: Debt collection

Thanks to Synchrony bank my credit score has decreased and ruined my chances of getting a better transfer offer, they said I did not pay on time when in fact it was their fault to not deduct funds correctly from my bank account also they went ahead and deducted XXXX off my checking account with no authorization and now they charged me XXXX worth of interest in Cheap o air
Product: Debt collection

To whom it may concern I The debtor want to agree to settle on three credit cards i owe money fund to i'm willing to do my amend to paid if a agreement is accepted is the total amount of {$9700.00} last payemnt done on this card was XXXX XXXX this debt add up from three credit card from Capital One Bank USA i ask if my request be granted accepted i'm wiliing to the best of my abilty to pay down on a lower arrangement payemnt, please i ask that if so that i recieve an email or phone call so that i could start with a settllement. 

Respectfully Debtor vs Creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Suntrust admits to being paid and never updating my payment history to the credit agencies. My insurance company paid suntust over XXXX XXXX dollars back in 2018. Instead of updating my account balance they chose to keep reporting the full XXXX balance as if the car was never paid on. Now that the balance has been updated after years, they refuse to update my payment history which is 35 % of my credit score. Or at least delete this account from my credit report since they know its inaccurate. They have stressed me out during both of my pregnancies with their inconsistent reporting and I would just like to be free.
Product: Checking or savings account

I was offered a remediation payment in XXXX of XXXX by XXXX XXXX while speaking over the phone, the amount of which is {$3700.00} plus estimated IRS taxes totaling {$5100.00}. As explained in numerous prior CFPB complaints, no payment received to date including a supposed reissue of payment in XXXX of XXXX, after I moved in XXXX of XXXX. Wells Fargo rep last replied by stating this issue of non-receipt was thoroughly invested which is bogus. The " thorough investigation '' includes verifying address provided which I moved from, no longer live at, in which case no payment received if sent to.. They have not shown any proof of what address they were provided, even if they were given old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, that is not a release from non-receipt of payment or funds owed. As I recall, the payment was supposed to have been sent via XXXX with signature required, according to Wells Fargo rep by the name of XXXX XXXX whom I was a working with at the time.. No package from XXXX was received and nothing signed for since I moved in XXXX of XXXX, this includes my new address at XXXX XXXX XXXX , XXXX XXXX , CT XXXX. Further, a mediation payment in the amount of {$500.00} plus IRS taxes was not received, supposedly sent in XXXX of XXXX, do not know which carrier used to send, whether it be XXXX, XXXX, USPS. I have not received any mailings to current address nor XXXX or XXXX packages from Wells Fargo. Most recently, as of XXXX and XXXX, I've called in to Wells Fargo Executive Phone bank as well as other various numbers including ones to XXXX, the company whom issues checks on behalf of Wells Fargo, given numerous different numbers to call in regard to missing payments, a total of six different numbers provided which include both Wells Fargo departments and XXXX ... All of the numbers provided are incorrect, nothing to do with Wells Fargo remediation with regard to unauthorized accounts opened by Wells Fargo.. In order to obtain correct number, I looked up XXXX website at XXXX, found a number for their location in XXXX, OR, called a number with a XXXX area code, obtained correct number for remediation ... However, my claim for missing payments remains unaddressed/resolved, have been unable to find out status as of today, XXXX. The relevance of this is Wells Fargo reps appear to give out numerous bogus numbers to dissuade their customers from reaching correct dept and thus, paying them. I would request CFPB look into this behavior, which Wells Fargo will apologize for but do nothing expect for refer to address verified which again, does not act as release for funds still owed. In the event Wells Fargo shows cashed checks, they were not cashed by myself in which case they need to investigate that issue, possibly intercepted by person ( s ) now living at my old address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the  XXXX  credit reporting agencies also  XXXX    XXXX    about having this account removed. It has not been verified with the first round of disputes. All I get back is a generic response that it is valid with no verifiable letters. My credit reports have this listed as charge offs and it needs to be removed from my account. My second round of disputes went out and I still have not received anything from them
Product: Credit card or prepaid card

On XX/XX/2018 I have applied for promotional offer from American Express XXXX Business card that offered XXXX points after spending {$5000.00}. After meeting the spending requirements I was not awarded the welcome offer points. I have not had any messages from American Express stating that I do not qualify for welcome offer. I have met eligibility requirements. I have contacted Amex multiple times, asked to open investigation. Points were still declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2012 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2012 ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

I am here once again to dispute the late payment account that is being reported on my credit report. The account in question is as follows : XXXX XXXX XXXX XXXX. I have reached out to XXXX XXXX regarding the validity of the debt, but they did not provide any proof. As I am looking over my credit report, I have noticed that this account is being incorrectly reported as a late payment account with a balance due. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. I urge you to take immediate action on this matter and conduct a thorough investigation to ensure that my credit report is accurate.
Product: Mortgage

Bank of America is where I have banked for twenty years. They changed to XXXX XXXX. I banked on line for years with Bank of America and decided to do the same with XXXX since all of my online banking information was transferred as well. I paid all of my bills on line for a few months and had no problems. I paid my XXXX 2015 mortgage payment in XX/XX/XXXX to Bank of America along with all of my other accounts. When I went to pay XX/XX/XXXX 's payment in XX/XX/XXXX, I realized XX/XX/XXXX was not paid. When I called Bank of America they said they only received a dollar in XX/XX/XXXX. I asked Bank of America why they had not called me. I had paid them faithfully for nine years why not call when they did not receive a payment. I could have contacted XXXX XXXX right then. They stated that they had called me at work and left a message on my machine. They did not call my cell, nor did they call me at work. I do not have an answering machine at work. I work XXXX plus hours a week, I 'm the XXXX XXXX and would have known if they had called. I called Bank of America several times this week trying to get my account corrected and the last time I called and asked the very same question to the customer service gentleman, he told me that no numbers were called. They just sent my information to a debt consolidation firm. So I never received a past due letter or phone call. I was very concerned that this would show on my credit report but more importantly my mothers as she has co signed on my house. I paid two payments immediately on line to get my account straight and one by phone. One of my payments on line did not get posted, when I called Home trust they stated that they notified businesses that account numbers would change. He stated that his day is spent answering compliants such as this. My mortgage was kicked back on one of the payments but not both of them done on the same day with the same bill pay account number. Every time I called Home trust they confirmed that the payment was taken from the account they did not understand why Bank of America did not receive it. I paid three times and only two payments were posted one from on line and one by phone. I am trying to build my credit. XXXX XXXX and Bank of America have now destroyed it. This knocked my score down XXXX points and my mother is a cosigner. This is not fair to her. Since XXXX XXXX took over my account, my debit card has not worked at the grocery store. The " available '' balances are not correct. I deposited a check for XXXX XXXX it showed this amount in my available balance but then kicked a payment to a credit card back. I have since changed banks and will not ever have this issue with XXXX XXXX. I do not feel that this should be on my credit report. I was not thirty plus days late on my mortgage payment and do not feel that any of the credit bureaus should reflect this. Please help me resolve this.
Product: Debt collection

XXXX XXXX XXXX, XXXX filed their claim for a CAPITAL ONE BANK USA credit debt against me stating the debt was Opened with Capital One on XX/XX/XXXX. This reported date is incorrect, the actual date CAPITAL ONE BANK USA reports is XX/XX/XXXX, see attached document. 
XXXX XXXX XXXX, XXXX will not provide the date the debt became past due. I attached a copy of an email from XXXX XXXX that shows the account went past due Sun, XXXX XX/XX/XXXX per CAPITAL ONE BANK USA. 
The date the debt became past due is greater than 4 years from the date XXXX XXXX XXXX, XXXX filed their collection action per the California statute of limitations. 

I have sent letters and left phone messages with no response. 
XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, Va XXXX XXXX XXXX XXXX, XXXX is not licensed in California as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an accordance with the fair credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my writteninstructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Student loan

On XX/XX/XXXX I mailed my XXXX XXXX XXXX XXXX, OMB No.XXXX to Navient. I was very distressed that when I called to check on the application they said it had not been received. For an entire year I have waited for them to process and I asked them to check the files. I did not receive any answer. In hope of resolving this I went on their website and saw a tab for their Consumer Advocate that was supposed to provide support but it was inoperable. I wrote them a letter on XX/XX/XXXX expressing my frustration at the handling of my case and stated that I would be reporting this to the proper consumer agency. It was my understanding that once the application was received that my payments would be suspended. I have continued to pay {$96.00} for 12 going on 13 months for a total of {$1200.00}. In the meantime I have tried to obtain a copy of the signed form and my school administration did not retain a copy, so I have submitted another request from them. Please help me with this problem. My loan number is XXXX and my maiden name is XXXX which is still on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the company of XXXX XXXX  letting them know I am not liable for the debt. I have never signed a contract with them in anyway and now it looks like there is someone called Johnson Mark LLC attorney at law that is reaching out to me for XXXX XXXX  I am just requesting to have all the collections stopped and removed from my credit report REQUEST TO CEASE AND DESIST DEBT COLLECTION ATTEMPT To Whom It May Concern : On XX/XX/2024, I was contacted by Johnson Mark LLC Attorneys at law regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. I would also like to know if an attorney has revised this account. 

In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, XXXX, to resolve this matter, as warranted. Please take note that I am declining any attempts by XXXX XXXX or any other collection agency with regards to this matter. 
In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 
You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. 
Sincerely, ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Charged off account was paid in full in on XX/XX/2016. Asked for the account to be removed from all 3 credit bureaus since there is no other debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX XXXX XXXX XXXX keeps issuing hard requests on my consumer credit even thought I have requested numerus times that they do not do that any more!!!