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

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$170.00} I previously submitted a disputed to Transunion regarding the inaccuracies in the above reference account. Despite providing evidence supporting the inaccuracies and requesting its removal my credit report, Transunion failed to conduct a thorough investigation, and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 


I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting late payments on my credit under this code below that is a violation of my rights and I would like it reversed. 


15 U.S. Code 1681a - Definitions ; rules of construction * U.S. Code * Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section
Product: Debt collection

FIRST FEDERAL CREDIT CONTROL need more info what the collection is for. never used the service never notify that I have an account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( XXXX, XXXX, Experian ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items removed.
Product: Credit reporting

I have contacted HSBC and XXXX on several occasions asking for verification of this debt. XXXX just states that they verified the information and it is correct. I asked XXXX to provide me with the information verified and I am told that it is the information on my credit report. I have sent letters to HSBC asking them to please provide information on this account as I believe the account is too old to be reported. HSBC has not responded to my request. I have made attempts to call HSBC but they have their telephone system set up to require you to provide your credit card number or social security number. I have attempted to use my social security number but it does not recognize my information, not allowing me to speak with someone from HSBC to resolve my concern.
Product: Credit card or prepaid card

Citi Cards notified me once again of a reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of citi Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should go after company such as these for acting a predatory manner especially in the middle of a pandemic. I am not satisfied with their previous response. This needs further investigation by your office. 
XXXX XXXX
Product: Checking or savings account

I w as sent 3 different c losure notices for accounts that were opened in my name. I have never been a customer of this bank. When I contacted the bank the said that the  XXXX  accounts looked like fraud. The accounts were opened with a  XXXX  balance, maintained a  XXXX  balance and then closed with a  XXXX  balance. All with in a months time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a long time customer with JP Morgan Chase dating back to when they acquired my account from Washington Mutual in XXXX. I have had a safe deposit box that was free for over 10 years with them. They sent mail notices out stating they are instituting a {$65.00} box fee which I never saw. They are refusing to credit my account for the annual fee even though I will be removing my items from the box and closing the box now that I know regarding the changed policy and {$65.00} fee. I would like to report them for not trying to notify long time customer by other methods other than US mail which can be lost and not seen for various reasons.
Product: Mortgage

On XX/XX/XXXX I received a letter from service Mac that they were renewing a insurance policy they bought on my behalf with money for my mortgage account for a estimated amount of XXXX. After speaking with their rep XXXX XXXX no I'm not spelling that wrong I was informed that I don't know my own address that was changed back in XXXX before they purchased my mortgage in XXXX. Apparently I was responsible to inform them that they hadn't done their dew diligence before signing a contract that the property they purchased actually existed. So even after writing Two checks for the property taxes to the correct address, Two checks for insurance to the proper address Still purchased insurance on my behalf because they have the wrong address listed on the loan. Also they send me an invoice every month to the correct address. Now on XX/XX/XXXX they in fact charged my mortgage account on witch I pay interest XXXX for the fraudulent insurance. After filing complaints with the XXXX and CFPB they finally relented to their mistake but only refunded me the XXXX and put the money into my escrow account, they stole the money from the mortgage account witch charges interest and refunded it to a account meant for property tax and insurance. This little over sight is still costing me money for their incompetence. This is their idea of servicing their clients.
Product: Credit reporting

Filed BK in XX/XX/XXXX at this time the law provided for assuming loans you planned to fulfill and not discharge. I did so for my newly leased Nissan Altima in XX/XX/XXXX. 39 months later I discovered that all credit bureaus were listing this as discharged and XXXX as status pending early termination. I filed suit against them after repeatedly attempting to resolve it accurately and have a settlement in my favor from XX/XX/XXXX. Unfortunately, the credit bureaus still have not corrected it and show it as early termination, and discharged through XXXX. My 39 months of regaining good credit history, making every payment on time as agreed to fully meet all obligations shows nowhere. I have been trying to purchase a home, then even leasing proved to be impossible and very challenging respectively.
Product: Credit card

I recieved a call from Goldman Sachs regarding my apple card which has been closed for XXXX years. They said I have an unpaid balance of {$240.00}, I told them I have no balance and the card has been closed for years. they told me when I got the card I agreed to pay any unpaid charges even after the card is closed. I told them I never had a remaining balance. I called them the next day to get more information before their claim damages my credit, asking them what the charge was for. They said it was for a return I made which I explained to them that I made no return and in fact that would result in them owing me money. The representative looked through all my records and could not find any purchases or returns, and told me he would file a " ticket '' to investigate, following with saying, he hopes they foloow up on this quickly because it could end badly with being turned over to collections. On top of this " scam like '' time consuming threat to me, I think of how many others may be frightened into just paying it. I should not be required by Goldman Sachs to prove to them I don't owe them anything. 

I am unable to provide my Apple credit card number because I have not had it for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments accounts for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP. 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

i've sent the credit bureau experian and XXXX   documentation and letters to update their inaccurate information. ive snet ftc reports dating back in XX/XX/2019 again in XXXX and XXXX they have fraudulent information reporting and all they do is say that the company has updated information without providing any documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite providing detailed accounts of the violations under FCRA 623 ( a ) ( b ) and 605 ( c ), which specify failures to mark disputed accounts and inaccurate reporting of last activity dates, respectively, none of the credit bureaus have responded within the mandated 30-day period. Additionally, the company in question has failed to validate a collection account, thus violating FDCPA 809 ( b ) according to FTC guidelines. Attached are copies of all correspondence sent. I request an immediate investigation and correction of these violations on my consumer report. ''
Product: Credit card or prepaid card

To Whom It May Concern : In XXXX of XXXX, I purchased a few items for my sons from Macys Childrens for around XXXX dollars and was pressured at the time of purchase to open/use my Macys credit account to make said purchases. The sales clerk was quite adamant and aggressive that I use the Macys account and offered a small incentive to do so ( 10 % discount ). I felt pressured to use a Macy 's charge account. 

I missed the bill when it came in XX/XX/XXXX, and I did send my payment late via online bill pay through my bank at that time. 

In XX/XX/XXXX, I received another bill from Macys that did not reflect my payment with an additional late fee and a no payment fee charged to my account. I called on the account at that time. I spoke with a very kind customer service agent who told me that my payment had been applied to my husbands Macys account ( there was no balance on my husbands account ). Somehow, the funds had been misapplied to my husbands account, not mine. I dont know if XXXX XXXX  or Macys was responsible for this error. The agent was able to apply those funds from my husbands account to my account. I agreed to pay for one late fee as my payment was late. However, I did not agree to pay for a second late fee nor did I agree to pay the no payment fee. I asked her to waive these fees. The agent said that she was not able to do that ; she said that I would have to call back the next month to dispute the late fee. 

In XX/XX/XXXX, I received a bill from Macys for an amount of around XXXX dollars. I had been charged an additional fee for my no payment of the second late fee in addition to a no payment fee. I was very frustrated with Macys at this point. Macys had payment for all the items from XX/XX/XXXX in addition to one late fee for which I had already paid. I called Macys customer service in XX/XX/XXXX when I received this bill. The customer service agent at this time was overseas, and it was difficult to understand what they were saying. I explained the situation to them and asked them to waive the fees ; they refused to do so. 

I called again in XX/XX/XXXX and XX/XX/XXXX. Each time, my calls were with customer service agents overseas ; we had clear difficulty communicating. On both occasions, I asked to speak with managers who were unable to help me or waive the fees that had begun to accrue to my account. 

At that point, I gave up and hoped this situation would just go away. Macys received payment as well as a late fee payment. I paid for ALL OF THE GOODS that I purchased, and I paid for one late fee that resulted from my late payment. Additional late fees accrued to my account based on a payment application error that was not my fault. I refuse to pay for those fees. 

Macy 's has turned my account over to a debt collector : XXXX XXXX XXXX. They are saying I owe them {$390.00}. This has negatively impacted my credit. I am so frustrated by this whole situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit profile was inaccurately accessed today to fraudulently obtain credit.
Product: Credit reporting or other personal consumer reports

For the past 3 months I have been contacting TransUnion about my credit report that they are reporting to Insurance companys. Everytime i call I get the robot and I get hung up on. My question is what does my credit report have to do with my car insurance. I have never been in a wreck ( Car Accident ) nor have I ever been pulled over for anything. I have a wonderful driving history. Yet because of TransUnion Credit Reporting tactics my car insurance is so high that I cant afford car insurance payments at all. My car insurance is higher than my car payment. I know people with DUIs and Other major driving violations that are not pay 1/3 of what I am paying with multiple vehicles. I dont own any luxury vehicles at all. I have called and called and everytime I call its always a robot that cant understand me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it hard to get help with this matter. All I want to know is what are they reporting on my credit report that has driven my insurance so high. Its with every insurance company I have applied to I get the same thing.
Product: Money transfer, virtual currency, or money service

During 2024 JP Morgan Bank received wire transferred my pension from XXXX XXXX XXXX through XXXX  ( XXXX ) to my account. It was stopped from the forth quarter of 2024. State Department claimed earlier that pensions are not under sanctions. Could you fix or help to fix this problem. This problem is related to tens of thousands US citizens ( XXXX XXXXXXXX ). 

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

Over XXXX hard inquiries on my credit report that I did not make : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Santander consumer USA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/23 I have made a full report on XXXX XXXX XXXXXXXX
Product: Debt collection

Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX XXXX. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with XXXX XXXX XXXX. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRANSUNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRANSUNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.