23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has 3 collection accounts reported on my credit profile. I sent them a Method of Verification request, which they received and signed for XX/XX/2018. 

By law they have 15 days to respond with the verification methods used to verify the accounts as accurate, otherwise the accounts must be deleted. 

As of the filing of this complaint it's been 20 days, TransUnion has not complied with my request, nor have they deleted the collection accounts in question. 

Per the FCRA, TransUnion must immediately delete these collection accounts from my credit profile.
Product: Credit card or prepaid card

card was not used in years im XXXX please remove and update my nurse is helping me im in a XXXX home
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted transunion as well as creditors to try and get down to the removal of the inquiries involving a removal letter but no one i contacted helped me reach a solution. all companies were contacted on XX/XX/XXXX. after several unsuccessful attempts the inquiries remain on my credit file. 


unauthorized inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposit my check on XX/XX/XXXX and I received a confirmation email stating my funds will be credited to my account on XX/XX/XXXX. XX/XX/XXXX my fund was not available. In addition, I was charged XXXX per for over a year for an account that was supposed to be free. I called bank of AmericaXXXX in reference to these issues and the manger/supervisor refused to speak with me. I had to yell and scream for an hour because the manage agreed to take the call from the representative. The supervisor XXXX said I have to wait until XX/XX/XXXX for my check to post regardless of the confirmation email. She only refunded 11 months of the XXXX fee and refused to refund the rest.
Product: Credit reporting or other personal consumer reports

Misleading borrowers about income-driven repayment plans : Navient failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation.

Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, Navient misallocated payments. Navient also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. 
Harming the credit of XXXX borrowers, including severely injured veterans : Navient tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a total and permanent XXXX. 
Deceiving borrowers about Navients requirements for cosigner release : Navient made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But Navient did not honor those representations for some borrowers.

Misleading borrowers about improving credit scores and the consequences of federal student loan rehabilitation : For federal student loan borrowers whose loans went into default, Navients debt collection arm promised credit reporting relief to borrowers if they completed a rehabilitation program. Navient failed to deliver on all of the promised relief.

All these things has attributed to a harmful credit score and missed opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 To Whom This May Concern : I writing to you to request that you update and correct the personal information section of my credit report.

I will remind you that pursuant to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also pursuant to 15 USC 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

18 USC 1028 ( a ) ( 1 ) also states that Whoever, in a circumstance described in subsection ( c ) of this section knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; It is not only the creditors responsibility, but yours, to report only true and accurate information. I have updated my personal information will all the creditors listed on my report and if they are still reporting anything other than the information listed below, then they are not reporting accurate information and I demand that you delete their reports from my file.

Further, the following erroneous information is still listed on my report and since you are required to report only true and accurate information, this will be my final request for you to correct the information before I file a complaint and possible initiate legal action. Please delete the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will look forward to your response. Please include a copy of my updated report to reflect the changes you make. 

XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally lodge a complaint regarding unresolved claims related to XXXX XXXX XXXX, which was closed and placed into FDIC receivership. Despite numerous attempts to recover my funds, I was informed that the receivership for XXXX XXXX XXXX ended on XX/XX/year> and records no longer exist. The FDIC Depositor Services team has advised that any claims are now invalid due to the age of the receivership. I am deeply concerned about the lack of transparency and resolution for individuals like myself, who have been negatively impacted by this closure and the unavailability of records. It is troubling that no alternative recourse or compensation is being offered, despite the longstanding nature of this issue. I kindly request that the CFPB review this matter and investigate whether any additional avenues for resolution exist. If XXXX XXXX XXXX 's remaining assets or liabilities were transferred to a successor institution or another entity, I would appreciate assistance in identifying those paths to recover my funds. Additionally, I would like guidance on how individuals in my position can protect their rights and pursue compensation in situations where institutions close, and records become inaccessible. Thank you for your time and attention to this matter. I look forward to your response and any steps that can be taken to resolve this long standing issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I dont know any any report from no agency giving any information about me to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I looked at my XXXX, XXXX & Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the 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.
Product: Credit card or prepaid card

American Express abruptly locked all my accounts without notice. Leading to a major stall with my business. This has caused major inconvenience to the business and altered daily workflow. American Express notified me that they required personal tax documentations. All charges on my cards were legitimate purchases made personally on my charge and business transactions on my business cards. I did not violate any terms or conditions and deem this process unnecessary. I have been a loyal customer since 2016. I recently paid {$95.00} annual fees on 2 separate accounts and have a {$450.00} annual fee posting this month. I paid for annual fees and do not have the ability to use my accounts. Every statement was always paid in full and on time every month. American Express is penalizing a loyal customer for no reason provided. They mentioned an increase in Spend but I have spent more than my current balances in the past and paid in full with statement closing. With holiday season they should not be penalizing for an increase in Spend. American Express has also already requested personal bank statements earlier this year because a college tuition bill was charged on my card. I do not believe American Express has the authority to lock and keep requesting documents from me, especially after just paying for annual fees to use their cards. No terms or conditions where never breached. Most of the business charges came from XXXX, XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the information listed on my credit report and to submit a claim regarding the ongoing class action lawsuit involving inaccuracies reporting in credit reporting. After reviewing my credit report, I have identified discrepancies that I believe are part of the issue raised in this class action. 

The following information on my report is incorrect : XXXX XXXX : XXXX Late Payments XXXX 30 days, XXXX 60 days, XXXX 90 days, XXXX 60 days. 

Please investigate these items as they appear to be a direct result of the issues covered in the class action lawsuit and correct any inaccuracies accordingly. 

Additionally, I am submitting a claim under the terms of the class action lawsuit and request to be considered for any compensatory or remedial actions related to this matter. Please inform me of the next steps to ensure that my case is addressed as part of the legal proceedings. 

Thank you for your prompt attention to this matter. I look forward to your resolution of the dispute and confirmation of my claim.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed on XX/XX/2020 that Convergent Outsourcing had added a collections account to my credit report on XXXX. Upon noticing the addition, I promptly disputed the account with the credit bureau on the grounds that the account is not mine and I am not responsible for the account, and on XX/XX/2020 the dispute was resolved in Convergent 's favor without any documentation or verification of the debt. 

The following week, on XX/XX/2020, I sent a letter to Convergent requesting a validation of the debt since I had received absolutely no communications from Convergent leading up to the time of the account being added to my credit report. I requested details including proof they own the debt, verification that I am responsible for the debt, and all documents related to the account. That letter was ignored in violation of the Fair Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of true name fraud as a result of the XXXX data breach. On XX/XX/XXXX of this year, fraudsters applied for loans in my name to more than 24 entities. These fraudulent applications appear on my Clarity report, Transunion, XXXX and XXXX credit reports. I alerted Clarity and the credit bureaus of this situation. I also placed credit freezes and fraud alerts on all my reports but I am still being quite negatively impacted by this. Most recently, XXXX XXXX notified me that their exorbitant auto insurance quote for me was based on the number of credit inquiries on my TransUnion report. But I did not make these inquiries and I am not being properly assisted by the bureaus because they fail to communicate the status of these fraudulent inquiries on my report and continue to supply this false negative information to companies and businesses. I really need help!
Product: Checking or savings account

XXXX XXXX XXXX, someone created 65 fake business checks that were drawn from my checking account. On XX/XX/XXXX, PNC recognized 15 of the 65 checks as fraud and reversed those 15 checks. I reported the other 50 checks to the local PNC branch on XX/XX/XXXX. On XX/XX/XXXX, I was told by XXXX XXXX XXXX XXXX that all of the fraud had been submitted. After several unreturned calls to PNC fraud #, on XX/XX/XXXX, I was told by the fraud department that PNC has 120 days to investigate. I patiently waited 120 days only to be told on XX/XX/XXXX by XXXXXXXX XXXX XXXX banker XXXX that there was an internal issue where someone did not receive the claims he filed on XXXX of XXXX. The local banker indicated that he needed to resubmit the information and asked me to give PNC another 3 weeks to investigate. I called on XX/XX/XXXX and confirmed that the information had been re-submitted. On XX/XX/XXXX he also informed me that he found similar fraudulent checks from XX/XX/XXXX which he also submitted. On XX/XX/XXXX I got a letter stating that the PNC denied the claim related to the fraudulent checks from XX/XX/XXXX because I did not report it within 30 days ( I was busy battling XXXX XXXX ). Around XX/XX/XXXX I left a voice at the fraud #. On XX/XX/XXXX the fraud department claimed, via phone call, that my money from fraud activity in XXXX was reversed. After reiterating that only a portion of fraudulent checks was reversed and giving them specific check numbers that were not reversed she said she would get with the other fraud person and look at it more and call me back. How long must I wait??? If I am denied XXXX fraud because I did not report it within 30 days why is PNC allowed to take over 6 months to refund that which I did report in less than 30 days? PNC recognized the activity as fraud in XXXX by stopping half the checks so what is why are they not also recognizing the other half as fraud given the checks are all written from the same fake business?
Product: Debt collection

I have tried to explain to this company that I have no knowledge of any transactions made with this card. This needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted lawful factual disputes due to inaccuracies on my credit report, but Transunion and the data furnishers will not correct or delete the accounts as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out
Product: Consumer Loan

Ally financially made a billing error. This is a non-valid debt. We have been fighting with them for 3 years to get this corrected. My husband 's lease ended in 2013. We were over the miles and planned to purchase the vehicle, however the dealer talked him into re-leasing instead and the dealer bought the vehicle. He explained this would absolve any fees. Our buyout quoted price from Ally was {$16000.00}, XXXX XXXX ( dealership ) paid Ally {$16000.00} for the vehicle. The dealership assured us we would not be responsible for anything further ( as did Ally ). For some reason Ally still sent us a bill about a month later for over mileage ( even though this vehicle was purchased by the dealer and not returned to Ally ). We have been going rounds with them to get this corrected. I even filed a XXXX report with them in 2013 where a manager responded and assured me it would be removed. However it never was.
Product: Debt collection

this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/XXXX this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease. 
This company bought this account from XXXX XXXX from XX/XX/XXXX and it was originally filed in my Chapter XXXX that was converted to a Chapter XXXX in XX/XX/XXXX. This company has reported this on my credit report as a new account from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX demanding the deletion of the accounts listed IMMEDIATELY! 
Identity Theft Report Attached