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

On XX/XX/2023 I submitted a complaint against Trans Union about inaccurately reporting an account ( XXXX ) on my credit report. On XX/XX/2023 Trans Union sent me a response saying XXXX is now deleted from my credit report. Now as of XX/XX/2023 Trans Union is still reporting this false account on my credit report after claiming theyve deleted it. On XX/XX/2023 XXXX credit gave me a report of information stating Trans Union is still reporting the XXXX account on my credit report. This is a clear violation of the federally protected FCRA laws. According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). 

THIS IS NOT AN OPPORTUNITY TO RE-INVESTIGATE ANY DISPUTE. 

I will provide documentation to support my claim of Trans Unions misconduct. 

Within 14 days of receiving this letter/complaint Trans Union must - ( 1 ) REMOVE THE ACCOUNT MENTIONED FROM CREDIT REPORT, & ( 2 ) SEND {$1000.00} CHECK TO XXXX XXXX FOR VIOLATING FCRA 15 USC MAKING TRANS UNION LIABLE TO ME FOR STATUTORY DAMAGES. If Trans Union fails to do so within 14 days of receiving this letter/complaint I will be filing a lawsuit against Trans Union for EVERY Fair Credit Reporting Act violation committed by Trans Union towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report is incorrect and has already been disputed and still not updated
Product: Credit reporting or other personal consumer reports

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX Please remove inaccurate employers as well as listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX XXXX BALANCED {$2900.00} XXXX XXXXXXXX BALANCED {$640.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00}
Product: Credit reporting

TransUnion is adding a Personal Statement to my credit report with no supporting documentation, rationale or directive. 

1. Transunion - please provide your rational for adding the following statement to my report. 
" Statement added because consumer was a victim of true-name fraud : # XXXX # XXXX " 2. After you have provided the reasoning for adding this details, delete this unsupported document.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I was supposed to close on my home through Lennar Mortgage. The VA appraisal document was not provided in time. The lender explained that they submitted their request timely and made multiple attempts to contact the responsible party. As a result I am unable to close on my VA loan. This is my second official complaint dealing with Lennar. The closing manager called me and said that my paperwork was completeagain why would I not feel like this is an act of reprisal due to my initial complaint with Lennar. I would like a full report of all correspondence and documentation concerning my VA loan and communication with the Seller.
Product: Student loan

I am trying to solve the issue of who has my loan and who to pay my balance to. I been contacted by a collections agency for a delinquent account for over a year and then in XXXX of 2018 sent the collections company ( XXXX XXXX XXXX ) a loan validation letter to confirm they have permission to resolve my debt. I have yet to hear back from them since. Though with the NUMEROUS complaints and recent lawsuit with my loan servicer, I have no faith in their advice or information about my account. I don't know who to turn to and am looking to resolve this so I can rebuild my credit and one day begin enjoying my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX {$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX XXXX. XXXX XXXXXXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  XXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint in XXXX about misreporting to my credit. I have never been late. XXXX  simply copy and pasted their complaint findings from the prior complaint and never addressed the fact that I have a 30 day late for XXXX. They also didn't address that I discussed this with an agent in XXXX and that agent from their company stated that the 30 day late would be removed. It is still on my credit.
Product: Consumer Loan

I was offered a refi on my Audi Q5 when stopping by my local branch of US Bank. The terms were favorable, so I filed out an application. Everything was approved on XXXX/XXXX/16, XXXX XXXX was paid off, and US Bank assumed my auto loan - a 3 year term at 2.33 % APR. 

I then received a letter from US Bank National Association disclosing the FICO score they 'd used in determining my rate. I was shocked - they listed a score from XXXX of XXXX. I immediately pulled my credit from XXXX, paying for the full report, and sure enough they had it listed as XXXX. That 's a XXXX point discrepancy. Alarmed, and concerned some error might be replicated for other consumers ( and grossly in US Bank 's favor I might add ) I emailed my banker. About a week later I received a letter dated XXXX XXXX from XXXX XXXX, XXXX Consultant, XXXX, US Bank NA. The letter was essentially a form letter that was standoffish, patronizing, and evasive. In it XXXX XXXX states that I should contact " XXXX '' as to the discrepancy, basically alleging US Bank has no control over the scores they " obtain ''. She included no contact information for followup or redress. I called customer service, got her number, and left her a message. Then my Banker emailed me later the next day noting that XXXX had contacted him and that, since she was not in a " customer facing role '', I should direct my inquiries through him. This is bizarre - why would a direct lending specialist who wrote me a letter not be in a " customer facing role ''? Then why write the damned letter? Nonetheless, US Bank maintains the error is with the credit reporting agency - XXXX ( even though they both wrote XXXX ). This seems incredibly unlikely since they use an API to populate the particular field in their lending software. That 's how they compute the rates and eligibility. I doubt very much that my credit could have jumped XXXX points in 5 days. And I doubt very much that XXXX is actually at fault. 

I believe that US Bank is *evading the question*, is *willfully negligent*, and is *abusing credit reporting laws* applicable to govern banks and protect consumers, effectively rent-seeking. It is incumbent on any lender to access and report accurate information. Since XXXX has the correct score I fail to see how US Bank could have been " given '' the wrong score associated with my SSN? US Bank 's incompetent and evasive response is also troubling. It irritates me that a direct lending specialist would write me a redundant form letter ( devised to distance me from resolution ) and then claim not to be in a " customer facing role '' - whatever XXXX that is supposed to mean. I also find the letter she sent patronizing and, frankly, XXXX. It reads like it is written to a 2 year old. It essentially explains what the credit reporting agencies are ( really? ), and then provides a number to contact the wrong one - XXXX. She signed it by hand, but did't bother to include a return address or contact number. 

Personally I do n't like being treated like an XXXX, and I do n't like being patronized by a facile institution which is clearly acting, at best, negligently or, at worst, criminally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative regarding an incorrect public record reporting on my Transunion file. I also attempted to dispute unauthorized inquiries on my reporg and a supervisor in the XXXX XXXX Department, XXXX XXXX XXXX, flat oit refused to start an investigtion. He further stated that his supervisor would call me in XXXX business days and it has been more than XXXX month. That conversation took place on XX/XX/2022. 

A public record on my file belongs to an individual with a similar name of XXXX XXXX. XXXX nd XXXX both hve removed the listing buy, Transunion keeps stating it was verified, but refuse to provide with whom they spoke with and their method of verification. I personally spoke with someone at the courthouse named XXXX and she explained that they don't even accept calls or correaondences from the credit bureaus. Transunion continues to report false information. 

I have placed a fraud alert on my files, I have submitted a fraud affidavit and police report but Transunion continues to violate tjr FCRA by properly investigating, correcting and/or removing the information. There were also fraudulent inquiries from XXXX, XXXX and XXXX from XXXX XXXX. This is my last recourse as I have madr several unsuccessful attempts to rectify this issue. I have been called names, yelled at and talked over. When you're information is compromised and you make attempts to prevent more damage, I don't need to be called a liar. I just want the information removed. As previously stated the other bureaus had no issue doing so and ot took them less than XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. XXXX  XXXX XXXX continues to furnish repeatedly with the same account number XXXX with multiple late-payments. The company is no longer a service provider for the Department of Education ; Using the E-oscar system, Credit Reporting Agencies continue to furnish data incorrectly according to FCRA Guide-lines. Due to the abundance of identical accounts, the CRA electronic actions caused a major decline in credit and creditworthiness. Requesting one account with the overall amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX XXXX XXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS XXXX XXXX AND XXXX XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT XXXX PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.
Product: Credit card

Dear Officials, I hope this email finds you well. I am writing to express my disappointment regarding an ongoing issue with my credit card account with the City National Bank. For the past 12 months, I have noticed a recurring charge of {$1.00} labeled as " XXXX XXXX '' on my credit card statement. Despite multiple attempts to dispute this charge and clarify its origin, the issue remains unresolved. 

I want to emphasize that I have not authorized any transactions with the merchant " XXXX  '' nor do I have any knowledge of such activity. This recurring charge appears to be a case of suspected fraud, and it is concerning that it has persisted for so long without resolution.

I am reaching out to the Consumer Finance forum seeking assistance in holding City National Bank accountable for their failure to address this issue promptly. I request a thorough investigation into these unauthorized transactions spanning the past 12 months, with swift action to reverse them. Additionally, I urge the implementation of measures to prevent future unauthorized charges from " XXXX  '' or similar merchants on my credit card. 

As a loyal customer, I trust that City National Bank will prioritize the security and integrity of its customers ' accounts and promptly address this issue. I look forward to receiving a swift resolution and restoring my confidence in the bank 's services. 

Thank you for your attention to this matter, and I request support from consumer finance to resolve this matter. I am highly worried that this unauthorized transaction is a suspected fraud, and this is causing concern to my financial security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a mortgage and requested a hard inquiry on XX/XX/XXXX. As a result, my Transunion score dropped by 3 pts. The following day, I had another inquiry ( XX/XX/XXXX ), but it did not affect my score. 

On XX/XX/XXXX, my score rose back up by 3 pts. due to credit line increase -- bringing it back up to XXXX. However, after I pulled my final inquiry on XX/XX/XXXX, the XXXX score went back down by 3 points from Transunion and by 2 points XXXX. 

I was told by Transunion that I have 14 days to shop for a mortgage and that it will be counted as one ( see link below ) : https : //www.transunion.com/blog/credit-advice/how-rate-shopping-can-impact-your-credit-score Nevertheless, it did, in fact, affect my score and both credit bureaus were unwilling to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing accounts that are fraudulent. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX -XXXX  XXXX  # XXXX
Product: Debt collection

This is not my debt. I did not reside at this unit. I lived somewhere completely different during this time frame. Please remove this from my credit report immediately before legal action is taken. Again, I did not reside in this apartment. I lived somewhere different, and have been living somewhere different since XXXX
Product: Debt collection

Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). 

Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/black of business with payment request. the last one on XXXX was requesting {$1100.00}. XXXX of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. 

I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and there proof is not acceptable. 

They have still not pursed this in court continues to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint in response to a previously complaint filed on XX/XX/XXXX, reference number XXXX based on a response from Equifax received via USPS, not through the CFPB portal. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification by the *credit reporting agency* ( you ) as required within five ( 5 ) days of previously disputed information that is invalid. In the response to the above referenced complaint, Equifax 's official, binding response stated, " The disputed XXXX XXXX XXXX XXXX XXXX is currently not reporting on the Equifax credit file ''. 

According to our records the account number provided in your complaint is not appearing on your Equifax credit report. '' However, based on a review of my Equifax credit file on the date of their response ( XX/XX/XXXX ) and with re-verification on XX/XX/XXXX, the information they stated as " not appearing on the Equifax credit file '' is and has been present on my credit report since before the original complaint was filed. 

The information was verified directly by a service that is owned and operated by Equifax. 

Equifax 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required. 

In the original complaint, it listed the number as ending in " XXXX '', however the creditor has modified the account number when they re-inserted the account that had been removed ( XXXX ) and you did not supply the required notified of the re-insertion. 

This complaint is about the re-insertion and failure to notify, but failure to investigate.