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

I am filing a complaint against Transunion for failing to comply with the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681/ ( 5 ), and 15 USC 1681c ( c ). Despite sending multiple dispute letters, Transunion has failed to properly investigate and correct the errors on my credit report, including inaccuracies in my personal information and the improper reporting of debts that should be removed.

Ive recently learned of a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for conducting sham investigations of credit report errors and failing to properly remove or reinsert errors, which threatens consumers ' access to credit, employment, and housing. This lawsuit highlights the very issues Ive been facing, as Transunion has failed to conduct proper investigations into my disputes, continuing to report incorrect and harmful information on my credit report. 

I have requested the following corrections to my credit report, which have not been addressed by Transunion : Remove the incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the incorrect date of birth : XXXX Correct Date of Birth to : XX/XX/year> Remove the account reported by MB FIN SVCS with account number XXXX. 

Despite multiple attempts to have these issues addressed, Transunion has failed to act in compliance with the FCRA. The incorrect information remains on my credit report, causing significant damage to my credit score and hindering my ability to access important financial services.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit report as they were opened without my authorization : Accounts to be blocked and deleted : 1. Department of Education/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 2. Department of Education/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 4. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 5. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 6. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 7. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Inquiries to be blocked : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XX/XX/XXXX regarding an alleged bankruptcy that appears on my credit that On XX/XX/2020, XX/XX/2020, and on XX/XX/2020, I sent them letters requesting them where did you get the information that they are reporting on my credit profile regarding an alleged bankruptcy that appears on my credit report. They claim it was verified but they have not provided any evidence of that " alleged verification ''. I have security freezes with companies like. XXXX, XXXX, XXXX, and XXXX just to name a few so there is no way of Equifax being able to say that they received information from any of these mentioned companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data was breached and my information was obtained by someone besides me.
Product: Debt collection

I have email and spoke to consumer portfolio services about getting a copy of my contract but i'm keep being denied I'm not sure if they even have a contract with me
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for a several time. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the credit bureau must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : Late/Close : XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX **** Balance Owed XXXX {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the following addresses need to me removed due to never lived or have not lived there in 5plus years and one is from 20 years XXXX XXXX XXXX XXXX IL XXXX ( have not lived here since XXXX ) ) XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( never livied year ) XXXX XXXX XXXX XXXX XXXX, WI XXXX. ( have not lived here since XXXX )
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit XXXX to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XX/XX/XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XX/XX/XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX. Account number XXXX, XXXX Account number XXXX, XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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 a account without my written instructions
Product: Mortgage

I have a mortgage with chase. I 've have been foreclosed on twice now by chase for them making mistakes on my escrow account. Paid over {$28000.00} to get my house back for first time, and two months into payment they said I owed {$13000.00} more and had to be paid immediately or they would proceed with foreclosing process again. I 've been going back and fourth with chase bank for over 5 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my personally identifiable information ( address, credit information, social security number, etc. ) to be compromised and accessed by an unauthorized party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has recently changed an account ( XXXX department store ). It was corrected in the past as account never paid late. This was finally fixed after I disputed it several times. Now transunion has changed it back as having a 30 day late payment. This is wrong. Ive contacted XXXX about this issue and was told by a rep that it will be corrected as this account was never paid late. Transunion keeps changing the payment status on this account. My credit score dropped 52 points due to this wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to tell XXXX that these items are fraudulent and I have been a victim of identity theft. I have sent in the report from FTC and they still want remove them from my credit report. I have sent them off numerous of times. I think XXXX has been paid under the table for to keep fraudulent these on people credit report. They want give the information on what was verified. They only say it was verified and they agree. I have the right to see the information that proves that these accounts belong to me. Plus I have been in a breach of my personal information with XXXX. Please look into this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to get a phone a XXXX XXXX ago and they told me that i have an account with them that is in collections. I have never opened an account with XXXX so i checked my credit report and found out that i was a victim of identity theft and also saw XXXX more fraudulent accounts with XXXX XXXX on my profile. I have been in contact with both companies and they told me that i need to do a XXXX Identity theft report in order for the accounts to be removed. I also have been trying to reach out to XXXX, XXXX and Equifax and they haven't done anything yet. Please remove these accounts as soon as possible.
Product: Checking or savings account

I am now posting a third cfpb case because past matters are not resolved as well as more matters not getting resolved. The boa representative XXXX XXXX should respond because she has made phone contact and said to do so, where XXXX XXXX or XXXX XXXX dont really make any sort of contact. 
My current response to a whatever long dispute way now to be in reversal was emailed and message center posted, yet to have response back. A rather more than bogus covid19 faults and just whatever major losses challenged does exist about this airticket sale, and so it should not be reversed at all! 
My third debitcard visa hotel payment to arenteiro hotel in XXXX XXXX XXXX goes signed processed yet not against account activity or if to the hotel! XXXX trying to resolve! What an emergency at that time and finally evacuating via military measure shutdown and XXXX XXXX per XXXX usa!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I created a savings account with Capital One under the impression that I would be receiving a high yield on any amount of money that I deposited into the account. Capital One advertises that their savings account, Capital One 360, is a high-yield savings account and I would be receiving 4.35 % interest on the money I put into my account. But instead, it was found that Capital One froze its rate at a low level ( 0.3 % ) for at least several years, even as rates rose nationally. At the same time, the bank created " 360 Performance Savings, '' which had a much higher rate and did not notify customers about this higher rate option.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not belong to me. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling XXXX Since XX/XX/2017. I have waited for them to credit my account since they have been informing me that they will. I have yet to see the credit that would result in a refund. The company also indicated that establishing payment with them would be reported to the credit agencies. I have not seen a report or have seen my refund that would result in a credit or credit that would result in a refund. I keep getting transferred to the incorrect department that tells me that I should take it up with the postal department and stop calling them. Will someone please assist me these are unfair and deceptive business practices. These and other external factors have caused lack of sleep stimulated my flare ups and I have a XXXX.
Product: Debt collection

They never provide what is supposed to be provided for a debt validation. They only send a statement, and the original creditor every time. The same two things. They never send what is supposed to be sent. What can I do about this at this point? Because this goes on and on and on. Can I sue them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XX/XX/2021 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint and I have written the letters, not someone else or some other organization. I have been sure to keep GREAT records and a paper trail to use in court, according to the FCRA, to collect damages for violations in the event this account is not deleted and removed from my credit report and credit file. 

I have asked Experian and XXXX for more information on an account they refuse to do a reasonable investigation on. I believe they are using e-Oscar or some automated process that spits out generic information hoping most consumers take their word instead of them doing an actual investigation and presenting evidence and facts. They are violating my consumer rights, state laws, and federal laws such as 15 USC 1681, or the Fair Credit Reporting Act ( FCRA ). I have asked for a method of verification letter to see who could possible verify this account and I have gotten nothing in MONTHS. The most recent letter has also gone unresponsive and well over 30 days. This account needs to be deleted and removed from my credit file and credit report immediately! 

XXXX has responded with a deletion of this account after doing a reasonable investigation. I have also included their deletion letter in this complaint. As I stated in the beginning of the letter, I have kept a great paper trail while disputing this account with them.
Product: Credit reporting or other personal consumer reports

I understand how important it is to make timely payments. However, I missed my payment because XXXX. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment. 

As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/2021 ]. Please consider my track record as proof that I take my financial obligations seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting thisXXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX Account # : Unavailable I looked at my transition credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TransUnion.
Product: Credit card

I am following up on complaint XXXX, which was marked as closed, but Chase has not fulfilled their obligations as outlined in their response. After my initial complaint, Chase acknowledged my ADA accommodation request to cease phone communications but failed to fully accommodate my need for written correspondence. Additionally, they have not responded to my secure messages requesting detailed repayment options and appear to be delaying action to pass time and potentially sell the account to collections instead of providing viable solutions. 

Their lack of response has wasted valuable time and further demonstrates non-compliance with their obligations to resolve this issue. I request that this complaint be reopened for further investigation and resolution.
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to formally request that TransUnion provide the specific information used to validate the inclusion of a public record on my consumer credit report. Despite my previous inquiries, it appears that TransUnion has not conducted a proper investigation into this matter, as required under the Fair Credit Reporting Act ( FCRA ). This lack of action is particularly concerning, given that the same public record has already been removed from my reports with XXXX and XXXX, indicating discrepancies in its validity. 

As a consumer, I have the right to an accurate and fair representation of my credit history. I urge TransUnion to promptly review this matter, provide the requested validation details, and ensure that the information reported is accurate and substantiated. Failure to address this concern may necessitate further action to protect my rights under the FCRA. I look forward to your timely. 
XXXX XXXX XXXX XXXX