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

Complaint Regarding Incorrect Reporting by TransUnion Causing Credit Score Drop To Whom It May Concern, I am filing a formal complaint regarding inaccurate reporting by TransUnion, which caused a significant drop in my credit score and negatively impacted my ability to secure favorable loan terms. TransUnions failure to maintain accurate credit reporting violates its legal obligations under the Fair Credit Reporting Act ( FCRA ) and has caused financial harm. 
1. Background of the Issue : On XX/XX/year>, XXXX XXXX XXXX pulled my credit report. This report accurately reflected a {$290.00} balance on my XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) credit card, consistent with my XXXX statement. This balance was an update from a previously reported XXXX balance of {$1200.00}. 
On XX/XX/year>, I attempted to refresh my XXXX XXXX online but encountered issues. I called TransUnion, and a supervisor informed me of technical issues affecting their systems. 
XXXX. Erroneous Reporting by TransUnion : Following my call with TransUnion, I submitted a loan application to XXXX XXXX XXXX XXXX XX/XX/year>. However, I was informed that my TransUnion credit report reverted to showing the outdated XXXX balance of {$1200.00}, which exceeded the cards credit limit. 
This erroneous reporting caused a XXXX drop in my XXXX XXXX. 
3. Legal Obligations of TransUnion : TransUnion, as a consumer reporting agency, is required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to ensure the maximum possible accuracy of the information it reports ( 1681e ( b ) ).

The FCRA also requires timely correction of inaccuracies when they are identified ( 1681i ). TransUnions failure to update the reported balance from XXXX to the correct XXXX balance violates this obligation. 
The erroneous reporting caused material harm, including denial of a loan and less favorable terms on another loan, in direct violation of my rights under the FCRA.

4. Impact on Loan Applications : Due to the incorrect reporting by TransUnion : One loan application was denied.

Another loan application was approved, but with a higher interest rate due to my credit tier being adversely affected.

5. Requested Resolution : I request that TransUnion immediately correct the inaccurate reporting of the XXXX XXXX XXXX credit card balance to reflect the accurate XXXX balance of {$290.00}. 
I request a written acknowledgment of the error and a detailed explanation of how and why the XXXX balance was erroneously reported on XX/XX/year> after being updated correctly on XX/XX/year>. 
I seek confirmation that my credit score has been recalculated and corrected to reflect accurate data.

I request compensation for any financial losses incurred, including higher interest rates or application fees, due to the erroneous reporting.

Additionally, I ask for an explanation of the safeguards TransUnion will implement to prevent such errors in the future.

TransUnions failure to meet its obligations under the FCRA has caused me significant financial harm and stress. I expect TransUnion to address this matter promptly and fully to prevent further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son is a minor who has a credit report through XXXX. When I investigated this, I found that one of my credit cards through XXXX XXXX is attached to both his and my social security numbers. This change was done in XX/XX/2022, though no action was taken by me at this point, nor does his name show as an authorized user of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report on-line and found that Sterling Jewelers , Inc. is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have  brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but Sterling Jewelers , Inc. has not despite my on time payments and evidence showing them that my payments have been made on time.

I look forward to Sterling Jewelers, Inc. accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments.

Thanking you in advance.
Product: Credit card or prepaid card

On XX/XX/2019, I was charged for {$440.00} for XXXX XXXX which I have no knowledge of. I have contacted Capital One and they have failed to compensate me for these gradual end charges and a rep by the name of XXXX has failed to give me information on higher authority above her to resolve this issue. No proof has been provided to me that I made the charge. I notified them that my wallet was stolen from someones house and my card was missing from it, hence why its considerate a fraudulent charge. I called in the fraudulent charge once I saw the alert on my phone. They are failing by holding me responsible for a stolen card and telling me to deal with the dispute domestically
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 XXXXXXXX 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 my 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 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 or other personal consumer reports

XXXX XXXX XXXX, Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the hard inquiries as reported. The hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a payment deferred status with on my XXXX mortgage account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX  mortgage and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item with Experian but I think they waited the 30 days to give me the same results. No investigation was ever done. XXXX put a negative item on my credit and I disputed it but nothing changed. XXXX never sent a debt validation letter. I have 5 current accounts with XXXX but none of that was mentioned. A sub account was added without my permission but XXXX never sent me a letter or any information to let me know that the sub account was in the rear and not being paid. If my main account was behind, I would get a text or phone call. Double Standards. Experian didnt investigate any of that.
Product: Mortgage

Good Afternoon, My name is XXXX XXXX, my family and I have been trough a tremendous hardship, both my husband I have medical issues. I was diagnosed with XXXX first and shortly after my husband was diagnosed. We tried several times to no avail for a modification and then tried to sell property as a short sale. Lender claims that since 2 appraisal was done and they can not do any more as per HUD guidelines. The problem being property value has decreased significantly and last appraisal was done over 6 months ago. The last appraisal came in at such a high value as well with no decrease based on the property damage and repair. I am asking for some help for them to just send another appraiser over so they can see themselves the property condition and value it accordingly. Last appraisal came in for {$XXXX}. I'm attaching the value sent by a XXXX. This value is based on no damage to the property. Please I am asking for some help. 

Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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, credit repair services, or other personal consumer reports

On XX/XX/2021 a final payment for {$8600.00} was sent to the XXXX XXXX XXXX, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.
Product: Student loan

I received a billing statement on XX/XX/XXXX that stated {$49.00} was due on XX/XX/XXXX ( Loan XXXX ). Loans XXXX and XXXX were not on the statement. I received an auto debit notification on XX/XX/XXXX that stated {$200.00} will be withdrawn on XX/XX/XXXX. A MOHELA representative later clarified that billing statements are only sent for loans that are not on auto debit ; however, it was incredibly confusing when my auto debit notification for Loans XXXX and XXXX stated the required payment and due date are to be determined. 

I scheduled a manual payment of {$49.00} to be withdrawn on XX/XX/XXXX while XXXX XXXX was in the process of being added to auto debit. The payment was for the remaining XX/XX/XXXX balance that was not paid via auto debit ( {$200.00} ). A total of {$240.00} was paid XX/XX/XXXX, which is the exact cost of my monthly payments for all three loans. 

I logged in to my account on XX/XX/XXXX to review upcoming payments and discovered XXXX XXXX was delinquent with an outstanding payment of {$39.00}. The scheduled payment was distributed across XXXX loans, but the payment site did not indicate this would happen. I was not notified that my loan was XXXX ( XXXX ) days delinquent due to a " missed payment. '' Furthermore, why would MOHELA allow a payment to be split if it would put a loan into delinquency? MOHELA states instructions for " special payments '' will not be followed if it causes a loan to be delinquent. The " special payment '' instructions also state MOHELA will attempt to contact borrowers if there is a missed payment or delinquent loan. I understand scheduled payments are not " special payments, '' but it does not make sense to not follow the same process. 

I spoke with a MOHELA representative on XX/XX/XXXX and was informed the payment could be consolidated and retroactively applied only to XXXX XXXX. I was advised this would remove delinquent remarks from my account and that I would receive confirmation of this update. My account does not reflect these updates, nor have I received confirmation of the application sent to consolidate the payment. 

The customer service representatives I spoke to were helpful, but the overall service from MOHELA is abysmal. Billing information is not clear and seems to be incomplete ; however, MOHELA 's failure to contact me regarding my delinquency or missed payments is most concerning. I received confirmation that my scheduled payment and auto debit payments posted, but nothing regarding the status of my loan. Delinquency can be devastating for borrowers, even if it is due to a mistake on the loaner 's end.
Product: Credit card

I got an alert today on my XXXX and XXXX accounts of a hard inquiry. It seems to be at Best Buy and XXXX  is XXXX XXXX, South Dakota. I live in Colorado and have not opened any credit cards recently. I believe it is fraud. I can not get it contact with either business via phone and talk to a person on the matter.
Product: Credit reporting

I have submitted a complaint to the state attorney office, regarding the collection procedure of a debt. Again the primary reason for the complaint is the matter, whereby the debt was collected. and because the law firm -collecting on behalf of the original creditor, refused all attempt to collect the debt via me submitting bank information for payment. This debt ended up being settle via the legal system. There are two problems here : 1. Equifax is reporting the debt as not paid and 2. The principal amount for this debt was {$600.00} ; I paid a total of {$1400.00} via forced garnishment from my pay check, which created financial hardship for me within the last 6 months. Hence my reason for filing a complain with the State Attorney Office.
Product: Debt collection

As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from DISCOVER. 

I have attached the documentation to verify and make sure the proper steps are taken to completely get this resolved as soon as possible. 

Changes need to be also reflected on credit file to show no balance owed since account was charged off.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing this account. I've contacted the bank, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Transunion for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report even though the bank already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

On multiple occasions I have spoken with Navient in regards to my student loans. They kept differing and putting my payments into forebearance instead of giving me other options or helping me.
Product: Student loan

My account is on auto-debit and in good standing, I pay twice my minimum amount every month. For this next month I am potentially looking at not continuing to pay due to the mishandling of my account. I am constantly receiving unsolicited notifications about my account, with no real information. The last straw was a message received today XX/XX/XXXX, regarding my account being put into forbearance ( not requested by me ) and furthermore on the same notification it states that the Forbearance request start date and end date as the same day, back in XXXX of XXXX. I had started a forbearance application with requested datees of XX/XX/XXXX and XX/XX/XXXX which I canceled and did not proceed with. This makes no sense and speaks highly to mismanagement of my student loans
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and accerding to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts isted below XXXX XXXX XXXX XXXXXXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099 C form
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a long standing customer with Capital One. I contacted them and ONLY upon agreement to have them delete the charge-off from my report, that I paid the balance offered by them. In addition, I was also given additional credit in an amount higher than my balance after I paid the Charge-off that was already written off and tax credit granted. I would not have agreed to pay off any balance, knowing that they already received their tax credit, nor accepted another line of credit, if the agreement to remove the negative reporting off my report was not put in place first.
Product: Debt collection

Exeter finance, account number XXXX. This account is being reported to my credit profile which I have no knowledge of. I requested this company to provide full account details and permissible signed contracts between me and XXXX. This debt was also sold to another company which is illegal due to consumer law 15 United States Code 6802 ( B-1 ). The owner of this debt is XXXX XXXX  which I dont have a contract with. XXXX finance have not giving me notice of anything about this suspicious account in writing and under section 6804 of this title law its a violation of my consumer rights. Whatsoever I havent either received clear written instructions to opt out of whatever this debt might be. I also demanded XXXX company to cease and desist all communication with me which they havent which is a violation of 15 United States Code 1692 ( C-A ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr XXXX one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : Monterey Coll XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, XXXX, XXXX
Product: Debt collection

I received several threatening phone call repetitiously on my job and ask for the collection agency to please stop calling my employer. I also, was inform that the threats continue even if I was present at work from my manger. I requested that the collection agency immediately cease all collection activity on this disputed debt, including phone calls, letters, and any contact with my family or employer. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I demand that you provide me with written verification of the debt, including the original contract, detailed account statements, and any documentation supporting your claim that I am responsible for this debt
Product: Checking or savings account

On XX/XX/2018, I was part of banking fraud. On that date I sold a car and I received a check for {$4500.00} from XXXX XXXX, XXXX that was deposited in my Bank XXXX America checking account # XXXX. That was the total consideration for the transaction. Additionally, arguably by mistake, the buyer deposited another check for {$15000.00}. The buyer said it was a mistake, so he called me to please if we could return the {$15000.00} since it was a mistake from his secretary. After confirming that the money was available in my checking account, I proceed to transfer from my checking account {$15000.00} dollars to the buyer. 
On monday XX/XX/2018, the checks were returned since they were out of funds. In fact, the checks, accounts and company were false, they did not exist. The wire for {$15000.00} was effective and the money was taken out from my savings account. That is a clear violation to my request and Bank of America can't withdraw money from accounts I have not authorized to do so.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

My card was used in XXXX on XXXX XXXX  a purchase that was supposed to be returned and never did