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

I reached out to Transunion on XX/XX/year> to dispute this XXXX Account # : XXXX on my credit report that is being reported inaccurately. On XX/XX/year>, Transunion completed their investigation and shared that the account is being reported accurately and they updated the companies address. I would like to know what did they do to proof that this account is being reported accurately. The last time they had an update on this account was in XX/XX/year>, they are standing by that they did an accurate investigation. The have validated my consumer rights, I trusted them to do appropriate investigation on this account and they didn't. I want to know what kind of investigation gets completed three days. Since they made the choice to not do a proper investigation, they left me know choice to exercise my consumer rights. I have consulted with a consumer rights attorney, who informed me the I have a case to sue Transunion for their inaccurately reporting of this account and take them to court. Transunion delete this account immediately from my credit report. 

I have attached the results of their investigation on my dispute to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX BRUSH XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.
Product: Checking or savings account

Recently there were two unauthorized ACH transfer of money OUT of my account at Chase. The bank involved was XXXX XXXX and the transaction is listed as if it's an account in my name pulling the money out, so I can see why maybe they'd get confused in this or why it might not look legitimate. On XX/XX/year> a XXXX transaction of {$21000.00} was pulled out of my account. Also XXXX days later on XX/XX/year> another transaction of {$11000.00} was withdrawn from my account through XXXX. Neither of these charges were authorized by me... They said that the same bank had already sent back {$10000.00} on XX/XX/year> and that was all they were able to do for me... I think there is some confusion because the deposit made into my account from XXXX for {$10000.00} was legitimate but these XXXX withdraws are not. 

I don't know where this total of {$32000.00} went, but it's been a good month and I have not seen it in any of my accounts. This is not acceptable to me, and I don't understand how they can just tell me I'm basically screwed and I just have to report it to the XXXX XXXX XXXX I'm reporting it to you to hopefully help me get these funds pulled back.
Product: Credit reporting

This is a complaint of a general nature. Advertising on TV touts free credit reports and the link in the FTC websites citing free credit reports take a person to XXXX. In the end everything is provided with the exception of an individuals credit score. All XXXX credit agencies demand payment for this info. My question is of what value is a free credit report without this critical piece of information.
Product: Student loan

Younomics reported my account being 30 days late in XXXX and XXXX 2015. I called in late XXXX about this report. The agents on the phone said they had no way of reversing the report. I had made payment arrangements with the company early XXXX and specifically asked that my account would reflect paying as agreed, they told me yes it would. Two weeks later I see that they reported my account late and I was continuing to receive collection calls. My account is paid up to date and I would like the report of being 30 days late removed from my credit report.
Product: Money transfer, virtual currency, or money service

A person impersonated a landlord. On XX/XX/2025 and XX/XX/2025 I sent XXXX XXXX ( XXXX ) two payments of XXXX for a security deposit and first months rent. I used XXXX for the process and I am unable to get my money back
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. 
XXXX XXXX : # XXXX has violated my rights. 

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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 not 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not 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: Money transfers

Sent a payment for a hotel to a friend using PayPal. In the notes, I wrote XXXX hotel. The status went to pending and PayPal requested information. I stated that it was a legal trip ( Americans are allowed to XXXX ). It has now been 5 weeks and my money has not been sent or refunded. I have contacted PayPal several times via phone and email to get this matter resolved and I 'm told every time it would be resolved in 72 hours but no resolution has yet to cut. Even worse PayPal will not return my money or allow me to close my account. I feel that this company has stolen money from me that it will not return
Product: Credit card

Capital One is reporting a late payment in XX/XX/year>. I made a payment of {$850.00} and the total due was {$840.00}. My statement PROVIDED BY CAPITAL ONE shows I paid {$15.00} OVER the minimum payment. MY PAYMENT WAS NOT LATE. I have filed a complaint with CFPB and they responded with vague statements saying my payment was late WITH NO SUPPORTING DOCUMENTATION. PLEASE PROVIDE DOCUMENTATION THE PAYMENT WAS NOT PAID IN FULL. 

This is hurting my life and my family. My credit score is down XXXX points. I can not qualify for a home loan, which means I am stuck in a rental while home rates climb high. 

When I call capital one the staff tells me I made the payments on time. I don't know why they're CHOOSING to hurt a customer like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past.
XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXXXXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving Negative XX/XX/XXXX These two accounts are the same and should not be posted twice to my report.
XXXX XXXX XXXX  XXXX XXXX - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX This account below is more than 10 years old.
XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX, I order merchandise that was sent to the wrong address. I filled a dispute with Kohls in XXXX informing them that items was sent to the wrong mailing address. Per Kohl a dispute was entered and refund would be posted to my account with in 7 days of dispute. On XX/XX/XXXX I followed up with dispute and was informed no ticket was open in regards for this matter. Then on XX/XX/XXXX i was also reinformed that a dispute would be entered and an incident reports was completed to reflect incident and i was again informed that a refund would be reflected on my account for items that was never received. The refund was never issues and I contacted KOHLs again on XX/XX/XXXX, after being contact by KOHLS to collect funding for these charges, in regards to this matter and was then informed a letter was going to be sent to my mailing address to reflect the conversation and that a credit would be posted onto my account. A credit was never refunded and the account continued to accrue charges and late fees until the account was closed off and listed as a charge off on my credit report. I have reached out to them once again to resolve this matter and was informed that the credit was going to be applied to my account and that the late fees and charge off would be removed.
Product: Credit card

i had a credit card with XXXX from when i was in XXXX school. this credit card had fraudulent charges and i disputed them. no resolution was made from this dispute or i wasnt notified. i was unemployed for some extended period of time. XXXX sent the account to a collection agency with a balance for much that i dont owe. i owe for some of it it needs to be investigated and the dispute outcome needs to be showcased to me. the owed amount i would like to have a chance to pay in installments but only for whats owed. i was unemployed and no options were given to me for the balance that wasnt disputed
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX, XXXX XXXX and XXXX 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, XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX, I work for the XXXX XXXX XXXX XXXX XXXX. I have been XXXX to XXXX, XXXX, XXXX, XXXX, and XXXX XXXX since 2019. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has violated my rights. I have never had an account with this company. 

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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any cons
umer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I noticed a balance transfer ( check ) on my account for {$3000.00} dated XX/XX/XXXX on my XX/XX/XXXX credit card statement from Citibank. There was also a {$150.00} fee for said transfer. 

Contacted Citibank and they said they would have to start an investigation and that it may take up to 90 days but they would contact me as soon as they had a resolution. Two years later I have not received a call from Citibank about the matter. 

The following month, I saw on the XX/XX/XXXX statement that the {$150.00} fee had been refunded, so I thought Citibank had taken care of the situation ; however, every month a " Interest Charged to Balance Transfer '' fee is added to my account. Here is a list of the amounts I have been charged since XX/XX/XXXX : XX/XX/XXXX {$14.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$12.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$11.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$33.00} XX/XX/XXXX {$32.00} XX/XX/XXXX {$36.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$29.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$21.00} I called Citibank several times to get this issue fixed. It seems to me like the representatives on the phone are overwhelmed by how complicated this is because they have a hard time comprehending the situation, they are never able to see previously initiated investigations and I always end up being transferred from one department to the other until I either get hung up on or I'm told that they would have to start an investigation and that it may take up to 90 days but they would contact me as soon as they had a resolution... and nothing happens. Then I found myself calling Citibank again and going through the same process again to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX To whom it May concern, I would first like to start off by saying I hope you are safe and healthy during these challenging times. I am writing to you because I noticed that my credit report contains late payments reported on ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Nordstrom account. I would like the aforesaid late payments to be removed from my credit file because they are in violation of the following consumer laws. 15 USC 1681b and 15 USC 1666b. The late payments in question have no reason on my credit file because i did not give consent. According to the consumer law late payments are not listed in the law therefore the late payments that are on my credit file are violating my rights. I will be notifying the CFPB about this also. The late Payments being reported on my credit file also violates consumer law 15 USC 1666b. I was not mailed my monthly statement so you can not treat the late payment as a late payment. Due to these violations of the following consumer laws ; 15 USC 1681b and 15 USC 1666b, my late payments should be removed. I would also like a material disclosure of the finance charge for this account ; 15 USC 1637 sub section 1. 

On XX/XX/XXXX, I emailed you notifying you that i would become homeless if the late payments arent removed. I also conveyed that my account wasnt enacted in autopay and i was severely ill. I havent missed a payment ever since. And i even boycotted your store due to your refusal to remove the late payments off of my credit file. I would hate to have to completely close the account with all the credit history. And i would love to shop at your store but i can not support a corporation that doesnt care about their customers and just wants their money. I have gotten a goodwill adjustment from every major credit card company i have been with. Its just Nordstrom that is refusing to give me one. Its to my understanding that every credit card company or creditor is subjected to the same exact consumer laws. They all have to follow the same exact laws. So every time i call to get my late payments removed i get the same old generic line that you have a duty to report an accurate credit file. How come the other creditors were allowed to issue a good will adjustment then. All creditors are subjected to the same exact laws. So that means that your company is simply refusing to empathize with my situation and would rather let me become homeless than remove a few XXXX dollar monthly late payments. If my late payments are not removed as a result of your company being in violation of the two aforesaid consumer laws. I will be closing my account with nordstrom and boycotting nordstrom for good. I will also let the general public know how nordstorm treats it customers and try to get others to start boycotting you as well and closing their credit file with you guys. I love nordstrom and everything you stand for so much so that i was an employee. Please honor my request, because i will become homeless if my request is not honored. You can contact me at XXXX.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.
Product: Debt collection

I happened to look at my Experian app and see 6 accounts that I had never seen or heard of, so I called and just found out the person/persons opened up accounts in my married name which was XXXX XXXX but XXXX have been divorced since XXXX and i had changed my name back to XXXX XXXX XXXX XXXX of XXXX when i filed for divorce so these are in the past few years and I then disputed the fraud with Experian and they also had 4 fraud addresses in Texas linked to these accounts and I live in Colorado and have never set foot in Texas, so all of these accounts were opened up in my old married name and none of these are my accounts and need to report fraud on them, I have opened up a fraud case on the addresses and the accounts listed with Experian. 

XX/XX/XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$1100.00}