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

On XX/XX/2024 I was denied a private XXXX  loan due to a " serious delinquent XXXX loan '' showing up on my TransUnion credit report. 
This is not possible due to my currently having an XXXXXXXX deferment. I also utilized the XXXX XXXX program so these loans, as per the XXXX, should have been reported as current, closed, and moved to a non-default lender. 
I pulled my credit report and found that it was XXXX. I also later discovered that XXXX is reporting as Delinquent on my XXXX report. 
From XX/XX/2024 until now, I have contacted XXXX several times, The XXXX XXXX XXXX for the Dept of Education and XXXX, TransUnion, and XXXX. 
I have uploaded documents to TransUnion and made several disputes to both TransUnion and XXXX both over the phone and online. Every single one of them has said there is nothing that they can do about it. I have even had to explain what currently delinquent means, and how it makes no sense that I could be currently delinquent. I have shared your documents with them regarding problems with reporting illogical false information. The account is closed. How can it be currently delinquent? 
I have a particular problem with TransUnion and their dispute/investigation process.

It is difficult to get any information on an open dispute which has led to sending in multiple disputes, and trying to determine if they received it is onerous. Being alerted that there is a change to your report feels like they are simply trying to get money from me. It is like credit reporting agencies make money by making changes to your report or keeping you in the dark for you to pay for a subscription or pay to refresh your credit report. 

Their entire dispute process seems to be slow and illogical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. XXXX XXXX XXXX XXXX account. XXXX XXXX account. 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: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX and general sessions XXXX XXXX XXXX 3 years This is what your background check shows as a record found. It is inaccurate. The disposition was deferred and the sentence was 3 years probation. I have never been to prison and I do not take it lightly that your reporting I have been.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against TransUnion for their failure to adequately address my dispute letter sent on XX/XX/2023, regarding inaccurate items on my credit report. The disputed items include accounts from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and a reference to bankruptcy with the case number XXXX. 
In my dispute letter, I provided all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address, to assist TransUnion in verifying my identity and address. 

However, I received a response from TransUnion dated XX/XX/2023, stating that they couldn't process my request as it did not appear to be sent directly by me or an authorized third party. This response indicates a failure on TransUnion 's part to conduct a reasonable reinvestigation into the accuracy of the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint is a copy of the dispute letter I sent to TransUnion, along with their response, as proof of correspondence.
Product: Credit reporting or other personal consumer reports

I have a free account with experian and I froze my account temporarily because I was concerned about unauthorized activity with my financials. I had finally gotten my credit score up to XXXX. So after unfreezing my credit score it now says I don't have enough credit to have a credit score. I've waited 2 months to see if it would resolve itself or come back but it hasn't. I worked hard to get my credit score to where it was and now I'm not elidgible for anything I apply for without a credit score. Please help!
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EQUIFAX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Product: Checking or savings account

On XX/XX/XXXX, I was given a call from what popped out as Wells Fargo 's customer support number and completely sounded and acted like it. The number I answered was the first one that ends in XXXX. They stated that they were looking for me by name and that they had noticed fraudulent activity for my debit card. I looked at my app and there was fraudulent activity. They then told me the last 4 digits of my card number and the expiration date. They then told me they were going to get me a new card and asked if the address they had on file was correct, which it was. They told me my new card would be shipped in the next few days. They then also " transferred '' me to an automated pin code changer over the phone, so I could change my pin, which is how they ended up getting the pin code. Over the next day or two, I logged into my app and noticed that {$6200.00} was taken out. I immediately called the number on the Wells Fargo website and tried to sort out with them. I told them what had happened, and they told me they would submit a claim for me. 
Ever since then, I have submitted two claims to Wells Fargo ( both have been denied ), one over the phone and the other in-person at a branch. On XX/XX/XXXX, I submitted a detailed bank statement where I circled everything I did not authorize and the police report ( reported on XX/XX/XXXX ) about the incident to Wells Fargo.
Product: Credit card or prepaid card

I have a credit card account with Navy Federal Credit Union that is currently closed. I sent instructions along with a tender of payment of a negotiable instrument for the entire balance to be paid. Navy Federal sent the payment back and stated that I was still responsible for the debt. I sent in the payment again for performance our contract and stated that the credit the account at the sight of the instrument and Navy Federal Credit Union has yet to accept my payment. At this point this is a breach of fiduciary duties and a deprivation of my rights to make payment. I want my account reopened and I will be making my payments on this account from here on out.
Product: Credit card or prepaid card

Called chase to cancel chase sapphire reserve credit card. While i was able to close the card, Chase refused my request for a prorated refund of the {$450.00} annual fee that was charged on XX/XX/2020. I explained the reason to cancel the card is due to covid-19, still Chase denied my request for a partial refund of the annual fee, even though I did not use any of the annual benefit and it is only 3 months into the year. Charging full annual fee is just not fair. Appreciate your help to correct this.
Product: Vehicle loan or lease

There's a few issues I'm experiencing with my loan. This company has prevented me to make payments online which has resulted in late fees, credit card processing fees, and terrible customer service. Every time I speak with an agent from your collections department they're extremely rude. My car was repossessed earlier this year, and after paying all the fees it took over 7 days for me to receive my vehicle back, and I was never compensated for it. I have several late charge payments from {$5.00} - {$25.00} that could've been refunded due to my inconvenience. Also, I sent a request to be added on the Do not call list on XX/XX/2022 and still receive calls.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for reporting incorrect and incomplete information regarding a XXXX XXXX XXXX account ( # XXXX ) on my credit report. The inaccuracies and inconsistencies associated with this account constitute violations of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of this account from my credit report. 

Specific Violations 1. Lack of Payment History : The payment history for this account is entirely blank. This is a violation of Section 609 ( a ) ( 1 ) of the FCRA, which requires credit bureaus to provide complete and accurate information in consumer reports.

2. Inaccurate Payment Status Information : The account is listed as " Unknown, '' which is inconsistent with data reported by other credit bureaus. This violates Section 607 ( b ) of the FCRA, which mandates maximum accuracy in credit reporting. 

XXXX. Incorrect Dates : The date of last activity ( XX/XX/2024 ) and the date of last payment ( XX/XX/2024 ) do not match the records of other bureaus, indicating inaccurate reporting and further violating Section 607 ( b ) of the FCRA. 

XXXX. Inadequate Comments : The report lists " XXXX XXXX XXXX  '' but fails to provide prior details of the account 's status ( e.g., " Charge-off '' ). This omission constitutes incomplete information under Section 609 ( a ) ( 1 ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I had my phone stolen which led to the thieves hacking into my Robinhood account. I tried to contact Robinhood after this incident, but it was basically impossible since I could not access my Robinhood app. I also tried to have Robinhood call me back by asking my friend to use his Robinhood app to call me back, but this was also not successful. I then emailed on Robinhood on record XX/XX/year>, which was never responded to. I tried to email again on XX/XX/year> by writing in capital letters in the subject line " HELP! FRAUD ON MY ACCOUNT AND NOBODY IS ANSWERING! '' and finally, Robinhood was able to respond back to me. However, the process I felt was going around in circles as they could never resolve a number of my concerns. The concerns include : - Fraudulent crypto transactions which happened immediately after my phone was stolen in XXXX. Robinhood never reversed these trades and my concern is that I will have to pay unnecessary taxes for these transactions.

- Robinhood Gold subscription payments which the fraudsters subscribed to. I never received refunds for these transactions.

I would like a concrete response related to the events above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute earlier last month and still see my report reflecting negative information on my personal profile. There are wrong addresses listed on TransUnion and XXXX. I would like these addresses removed immediately since they are incorrect. These are the addresses being reported on both " XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' this one on TransUnion " XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX '' and this one on XXXX " XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2013 '' I would like this information corrected right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is showing me a score of XXXX after I provided documents ( receipts ) to show an old collection account had been settled. Applied for a refinance and Equifax reported a XXXX score to the lender. This is deceptive. 
I am aware that a mortgage score is calculated differently but my scores from XXXX and XXXX are in line with what shows when I log in. Why is Equifax different?
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Company is reporting 3 loans each as late twice to all credit bureaus. 
90 days late 120 days late 90 days late 120 days late 90 days late 120 days late Totaling 6 missed payments which is inaccurate credit reporting because all loans were on a Income Based Repayment Plan at the same time. 
The problem with this is that one XXXX XXXX Never notified me prior to the account being out of deferment effective this date. 
Second XXXX XXXX XXXX XXXX Never mailed me a letter although my address was on file at the time of the account being in deferment. 
Third XXXX XXXX XXXX  placed the account on a payment schedule without notifying me of my right to request a Income Based Repayment plan. 
As you will see I have attached copies of their correspondences that were never sent to me and the notification preferences that were on file. All it shows is electronic. 
Further, there are no records prior to XX/XX/2018 of a notice being sent that an initial payment was due for only 3 loans when all loans were on the same loan application for repayment, only a notice that the account was past due which is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed some inaccuracies. This is hurting my chances to obtain credit. It was my understanding that XXXX will investigate this account for me to ensure everything is correct. Here is the account I am asking you to verify as accurate : PORTFOLIO RECOVERY ASSOCIATES account number XXXX
Product: Debt collection

Called American Collection Services on XX/XX/18 at ~XXXX CST to inquire about a debt letter they sent and their rep indicated that the collection was already reported on my credit and would continue to negatively affect me. When I questioned the validity of this statement, she back tracked and denied ever giving this advice. I immediately asked to speak to a supervisor and she said one was not available. I hung up the phone and called back and had another rep route me to supervisor XXXX XXXX, who was actually available. XXXX seemed less than interested in resolving the issue, mentioning that he was too busy to review the recording. Mentioned he would have another manager call me back, but seemed unlikely at that point. This debt service company is allowing their reps to give legal advice when collecting debt and needs to be reprimanded to correct the culture that seems to come from the top.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER XXXX was sent with supporting documents Registered Letter see attached XXXX has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified EXPERIAN AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add Experian and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls
Product: Credit reporting or other personal consumer reports

Let me explain my circumstances. 
I have a low 700s Fico credit score on all 3 bureaus, it never goes above XXXX on all bureaus. 
All my accounts are current and have never been late. I have a perfect revolving payment history, and a perfect installment mortgage loan. 
Zero Inquires on Experian, 1 Inquiry on XXXX, 2 inquires on XXXX. My credit age goes back to XXXX, with a 4 % overall credit utilization. 
This all can be verified through the platform http : //www.experian.com. With all that being my credit score should be in the 800s. Minimally high 700s. XXXX XXXX XXXX  which uses a vantage score has me in the 800s. XXXX XXXX however is not the source mortgage companies ; auto dealerships and bank lenders use. They all use the trusted, more accurate fico system. 
My credit score never rises above 700s, and I just recently found out why when applying for a business line of credit and an auto loan and to my surprise was declined for both by primary lenders. I was forced to take a 16 % subprime auto loan, which is insane with my credit profile and score. 
in the http : //www.experian.com and XXXX platforms there is a section in http : //www.experian.com called " key factors ''. in the key factors and " additional scores '' section the langue used in both sections in bold red pertaining to my credit profile is below and the exact language used in the decline. Somehow this erroneous information is incorrect, somehow in my credit profile, and preventing me from getting and type of funding. This is also the reason why my credit score will not go above XXXX on none of the bureaus.
Product: Debt collection

I AM RECIEVING DEBT COLLECTIONS FROM A CREDIT CARD I NEVER HAD.
Product: Credit reporting or other personal consumer reports

This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I'm writing this to report the late payment markings on my report. It shows multiple late payments which I do not remember that I have paid late on the stated months. Please remove the following late payments from my report. 

You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ( XXXX  # XXXX ) is reported to have been opened XX/XX/XXXX. There is one month of payment history reported by the issuer, which has been disputed as inaccurate and incomplete on a number of occasions.

The issuer will not furnish complete and accurate information to the credit bureaus. 

On XX/XX/XXXX, XXXX stated that the account was updated, but the report shows the last status update was XX/XX/XXXX, which means they never investigated and there was no update or, the issuer provided false information. The payment history is still missing. 

I have a legal right to complete and accurate information to be reported on my credit file. If the information can not be updated or corrected, then it must be deleted. 

The omission of payment history has negatively impacted my credit score. Since this will not be updated or corrected, I demand that this item be immediately removed from my credit report.