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

TransUnion credit reporting agency keeps fading in my file that my student loans have gone up in interest rates and that I currently have a negative balance of {$3200.00} every time I turn around once a month they have reported that my interest has gone up in my student loans which I know are in forbearance due to everything going on in our country right now I have reached out to them three times by phone and by email and they never respond to me they just say oh I do not know what you're saying because we don't see the same thing at first I thought it was XXXX XXXX doing it on their own but then I found out it was not because it was TransUnion only they currently show that I have a balance of {$3200.00} in interest on my student loan and that it was reported by the student loan agency which I checked and it was not and I have asked them to remove it they did not remove it and my credit score dropped 8 points they are uncooperative
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my Notarized FTC Report, PA license, 15 USC 1681c-2 by certified mail to XXXX, XXXX, and Transunion. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX   reporting this line once again when there is no way for me to satisfy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I have a merged file. Furthermore, I can not access my credit report via online or phone because the verification process is asking me to verify accounts that I have no knowledge of.
Product: Debt collection

I entered in to a payment plan with FirstMark services. I have made routine payments over the last year and they still have my account registering as in collections to credit bureaus even though we have entered a payment agreement.
Product: Checking or savings account

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 am writing to report that my name has been used fraudulently in connection with the accounts listed above. I did not authorize or inquire about these accounts and believe I may be a victim of identity theft. 

Please investigate this matter and advise on the appropriate steps to resolve these fraudulent activities. I am prepared to provide additional documentation if necessary. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect names : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX FOR XXXX XXXX Date Updated : XX/XX/XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX AV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

I got temporarily laid off from my job back in XXXX due to the COVID-19 pandemic. I tried to file for unemployment however due to my out of  state income I have to call to finish my claim. I have attempted to call for months however am unable to get through. In XXXX my car loan company ( Global Lending Services ) gave me a payment deferral for the month of XXXX. Towards the end of XXXX they told me I would need to call in the beginning of May to get another deferral if my situation was the same. My situation is still the same and I called and they said they would not give me another deferral. I begged them and explained my situation however they would not work with me and said that I had to pay. I paid them XXXX dollars which was the very last bit of money I had to survive off of. They still are telling me I need to pay the rest by the end of the month.
Product: Credit reporting, credit repair services, 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 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 has violated my rights . 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Mattress Firm Credit Card. The initial limit was set at {$4000.00}, but the purchase was {$4300.00}. So I asked the employee to see what he can do. He called his manager, worked his magic, and informed me that he was able to raise my credit limit to {$4400.00}. So we went ahead with the order. The next week, I was alerted by XXXX, XXXX, and XXXX, that my credit score had just plummeted by XXXX points. The reason was that I was over my limit. Upon doing some digging I found that my credit limit on the card was not increased to {$4400.00}, it was still at {$4000.00}. But he was able to place the order at 110 % of my credit limit. While I'm certain that my score would've dropped by virtue of applying for the card and taking out a purchase that would be near my limit. However, I am also certain that the score would not have dropped nearly as much. On XX/XX/XXXX, the same day I discovered the score decrease, I complained to Mattress Firm and they issued me a {$400.00} credit. However, my credit score ( that I took years to build ) is still deflated. A Mattress Firm customer service associate informed me that I could write a letter to Synchrony Bank ( the company that hosts Mattress Firms credit cards ) and ask them to remove the derogatory remark. I sent this letter back in XXXX and I have still heard no indication that they received the letter.
Product: Money transfer, virtual currency, or money service

on XX/XX/2022 @ XXXX XXXX my account got temporarily limited, I submitted all the required documents to resolve the problem, the next day, at around XXXX XXXX, I received email that my account was restored, and they have removed all the limitation, with this email, I sent the link of my paypal account to my clients and start receiving payments, unfortunately, Paypal didnt give a chance to withdraw my money, because on the same day at around XXXX XXXX, they permanently limits my account after receiving funds,. hoping for your action on this. atleast to withdraw my funds.
Product: Credit reporting or other personal consumer reports

IN REVIEW OF MY CREDIT REPORT I FOUND THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORTS, I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT OR SHARE MY INFORMATION THIS IS FRAUDULENT AND FALSE INFORMATION ON MY RECORD WHICH IS HARMING MY CREDIT DATA SHARED WITH BUREUS. 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Debt collection

In XX/XX/XXXX, I reviewed my credit report and became aware of medical collections. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for XXXX years. I sent a debt validation letter to : AVANTE USA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, TX XXXX regarding this account listed on my credit report : Original : Medical Balance : {$2000.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a frontier barclays credit card and cancelled it a few days later. I never used or received a card. I was charged a $ 80+ annual fee which I disputed, because I had cancelled the card before I received it. I was told by multiple reps to disregard the bill as it would drop off. Then when I was applying for a mortgage it was on my credit history of being delinquent for 90+ days. Barclays sent me a letterhead stating it would take 30 days to resolve on XX/XX/XXXX. This is still showing up on my credit report on XX/XX/XXXX ...
Product: Checking or savings account

My employer, XXXX, had a relationship with Optum Bank for its employees Health Savings Account ( HSA ) ; so, I opened an account with Optum so that my HSA contributions could be deposited there. Optum then allowed employees with over {$2000.00} in their HSA accounts to invest the excess with XXXX. At the time, there were NO disclosures provided regarding the fact that the assets at XXXX  would have to be liquidated for any subsequent transfers out. I was always under the impression that, like with almost all other investment firms, I could rollover my assets if I needed to, without any roadblocks from Optum.

This year, my employer stopped using Optum for its HSA relationship and switched to XXXX. I decided to leave my HSA investment account at XXXX because I have other accounts there. But then I had to withdraw some funds from my Cash balance in my Optum account to pay medical bills and that left a very low balance there. I called to request a closure of the account but that did not happen. Then, on XX/XX/2024, I found out that Optum had charged my account a low balance maintenance fee that then put the account in the negative. Yesterday, XX/XX/2024, I called Optum again insisting on the Optum Cash account closure and was informed for the first time that I must liquidate my XXXX investment to close the Optum account. They asked me to call XXXX and see if there are other options. I called XXXX today XX/XX/2024 and XXXX pretty much told me that unlike with other financial institutions where I could initiate a rollover on my own, Optum will not allow it. Optum will insist on a liquidation of my assets. I called Optum back and Optum confirmed it. 

This is nothing but holding clients hostage and forcing them against their will to keep funds at Optum. If the Cash account balance gets low, clients get dinged with maintenance fee ; so they have to keep the balance high. And they can't exit the relationship and close the account without having to liquidate their investment. I DO NOT want to sell my assets and I feel like I am being forced to. And not doing so keeps the Cash account open with unending maintenance fees charges because HSA contributions are no longer going in.
Product: Credit card or prepaid card

Barclay 's Bank Although I have been with Barclay 's for over three years, the credit line is {$500.00}. After three years, I inquired with the company about an increase and was told I do not qualify for an increase. 

I have an excellent payment history and a XXXX FICO score.

See attached correspondence with Barclay 's
Product: Credit reporting, credit repair services, or other personal consumer reports

After asking to EXPERIAN to investigate a violation with a Past Due balance in a collection account, EXPERIAN came back to me in XX/XX/2019 marking as " VERIFIED '' the Violation from XXXX XXXX XXXX reporting a past due balance in a Collection account.. 
Why do I have to notify you that its a Violation of the FDCPA to report a collection with a past due? .. 

XXXX XXXX XXXX is reporting a past due in a collection account wich is a violation of the FDCPA and must be deletes from my report.. 

I did the proper request to EXPERIAN and XXXX XXXX XXXX confirm the violation, also I will include picture of the EXPERIAN report where you can see the before and after in a circle ... 
I dont want to see excuses from EXPERIAN or XXXX XXXX XXXX knowing theres a clear violation ...
Product: Credit card or prepaid card

I have an issue with a Capital One Kohl 's account that is on my credit report. The account is reporting closed. I have disputed this account with Capital One numerous times over the past few months. Capital One has never responded to my disputes and continues to report inaccurate information to the credit bureaus. Since I started my dispute with Capital One my credit monitoring service has showed numerous updates from Capital One. I do not understand where Capital One is getting this info it is reporting to the credit bureaus. I was made to believe that for Capital One to report to the credit bureaus that they are required by law to have documents verifying that the account is 100 % accurate. 
On XXXX/XXXX/XXXX my credit monitoring showed a balance of {$440.00} on all 3 credit bureaus. 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX, but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$170.00} on XXXX and {$200.00} on XXXX, XXXX removed. 
This is just one example of changes made to this account over the past few months. 
Capital One reporting this negative account on my credit report is having a negative impact on my credit.
Product: Mortgage

I try a loan modification with Flagstar for 5 years, and they keep losing the paperwork
Product: Credit reporting or other personal consumer reports

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on my credit report has had a detrimental financial impact in my life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report.

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate. It is a federal crime to furnish and report multiple alledged debts. This is misleading and improper representation, this is a violation of 15 USC 1692e.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that my rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 U.S.C 1681 section 604 ensures her that you need written instructions, I have never gave written consent or oral consent 15 U.S. Code 1681a, last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit Report on Feb 8, 2025 and Noticed some things are incomplete and not accurate. And according to the fair credit 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 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, 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 item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed 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. 




Delete account XXXX XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$910.00} XXXX XXXXXXXX XXXX BALANCE : {$560.00} XXXX XXXX XXXXXXXX BALANCE : {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXXXXXX BALANCE : {$6900.00} XXXX XXXXXXXX BALANCE : {$700.00} XXXX  XXXXXXXX XXXX XXXX XXXX BALANCE {$780.00} XXXX XXXX XXXX BALANCE : - XXXXXXXX XXXX XXXX XXXXXXXX BALANCE : {$410.00} XXXX  XXXX XXXX XXXX XXXXXXXX BALANCE {$890.00} XXXX XXXX BALANCE : {$1000.00} XXXX XXXXXXXX BALANCE : {$0.00} - XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX  XXXX BALANCE : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$970.00} XXXX XXXX XXXX BALANCE : {$140.00} XXXXXXXX XXXX XXXX  XXXX BALANCE : {$1200.00} XXXX XXXX XXXX XXXX XXXX BALANCE : {$140.00} XXXXXXXX XXXX XXXXXXXX  XXXX BALANCE : {$1200.00}.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX