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

I am filing this complaint because I have been unable to access my free annual credit report through TransUnions website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account.

Key Details : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account.

Customer Service : I have contacted TransUnions customer service, but no resolution was provided. [ Include specific dates, times, and the names of representatives if possible. ] Dispute Access Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws.

Laws Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law.

3. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ). 
4. Dodd-Frank Wall Street Reform and Consumer Protection Act : TransUnions practices may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes.

5. Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially preventing me from accessing my credit history.

7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).
Product: Credit reporting or other personal consumer reports

I was completely caught off guard this morning when I saw inaccurate accounts on my credit report, and I have no clue how they got there. I always review my credit report regularly, but this time, there were discrepancies that just appeared out of nowhere. I even tried refreshing the browser, hoping it was a glitch, but the errors remained. Now Im left with this unresolved issue and need the documents Ive sent to be thoroughly checked so I can finally stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told a soft inquiry would be done not a hard inquiry. I did not signed any documents agreeing to run my credit, and i do not appreciate being lied to just so they can make a sale. 
XX/XX/2020 XXXX XXXX XXXX, Bank of America XX/XX/2020 XXXX Credit
Product: Student loan

XX/XX/XXXX The University names and loan amounts do not correspond on my Aidvantage Federal Student Loan account. 
It shows my loan balance at over {$24000.00} in the amount of two separate loans that were consolidated back in XXXX. 
It says I attended a school called XXXX XXXX XXXX XXXX XXXXXXXX, Oregon. This is true. It was quite brief though and as I best recall, it was only one loan for less than {$4000.00}. 
This is all current information in my Aidvantage account as of today. XXXX My only guess is that they have it confused with my previous universities, XXXX XXXX XXXX XXXX XXXX loans of respectively, XXXX XXXX XXXX XXXX XXXX 
I attended the bulk of my schooling there between XXXXXXXX XXXX XXXX XXXX time was brief, and would have been during the mid XXXX. 
I emailed Aidvantage and shared this same information with them.

I asked to schedule a call as I do not believe the amounts to be accurate and found them to be inflated beyond what should be accurate, as well as not connected to the correct university.

Im happy to share any additional information you need & can be available for a call within 24 hours notice. 

Please advise on next steps and course of action. 

Much appreciation, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : complaint # XXXX XXXX for XXXX XXXX for Experian This complaint was made early in XXXX of XXXX Both " investigations '' have been completed and there has been NO CHANGE made to my credit report. 

Somewhere there has been a MAJOR COMMUNICATION ERROR with this govt. agency, a major credit reporting bureau, and the fact finders that have been employed to collect data. 

I filed bankruptcy with my ex-husband in XXXX. I acknowledge that. I have never disputed that!!!!!!! 

However, Experian has that 1 bankruptcy reported 2 times. This is affecting my credit and creditworthiness!!!!! Experian will not remove the duplicate item. They say that XXXX is reporting it, that they are responsible for correcting this error. 

XXXX says that I filed bankruptcy in XXXX with my ex husband, and will not change the reporting. 

CFPB is relying on the " investigations '' of these companies to resolve the original complaint. 

I am complaining today, XX/XX/XXXX, that these companies are not fixing my credit report. This is my second complaint. 

Please remedy this. XXXX : I have 1 bankruptcy filed with my ex-husband in XXXX. Experian has this reported as 2 bankruptcies in XXXX. I want the XXXX public record removed from my Experian credit report. NOT THE ORIGINAL, JUST THE DUPLICATE. 
I do not care who has to do what to get it done, I just want it done. I have filed, in total, 3 disputes with Experian, 1 dispute with XXXX, and now XXXX complaints with CFPB. Why is this not sufficient?
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  XXXX XXXX Balance : XXXX
Product: Debt collection

A man with an XXXX ( country of XXXX ) accent called and asked for a name I do not know. When I finally was able to get him to tell me what he was trying to do, it became clear that he was trying to pressure me into paying someone else 's debt. He said I was this other person 's contact to pay it. He was lying and should be sent to prison for this tactic.
Product: Debt collection

XXXX XXXX capital one I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card

I stayed in a XXXX in XXXX XXXX, FL XXXX XXXX XXXX. During the booking process, the host required a {$3000.00} refundable deposit, for any damages. After the stay ended, on XX/XX/XXXX, I received an email from the host stating we had " burned '' the coffee table with a value of {$1700.00}, and a pillow case cover with a value of {$35.00}, so I only received {$1100.00} back from the deposit. The host emailed me pictures of the table and it appeared to be marks that could be easily cleaned, nor proof that they were done by me. I emailed the host back, telling her we did not burn the coffee and ask what she did to clean it. I heard nothing back from the host. I immediately opened a dispute with XXXX, and disputed this amount on my credit card with Chase. I didn't hear anything for months. On XX/XX/2023 Chase notified me that the charge was valid, that the host stated I damaged the property. on XX/XX/XXXX, I called XXXX customer service regarding my case. They stated it was closed and the host had uploaded a receipt of the new pillow case, however, did not upload a receipt of the new coffee table, they only uploaded the original receipt, this call cost an additional {$51.00}. XXXX was going to contact the host, and get a copy of the receipt for the new coffee table. I emailed the host and stated we wanted the old coffee table if she got a new one. On XX/XX/XXXX, XXXX called stating the host emailed a receipt of the new coffee table, it was then emailed to me. The receipt shows the new coffee table was not bought until XXXX and the total cost was {$1600.00}. The XXXX customer service agent agreed that she did not need to buy a new coffee table, and also said the host had contacted them saying I was harassing her, he also agreed I was not harassing her. I informed him that we felt there are no other options except for small claims court, he said he will try to get in contact with the host and have us refunded. On XX/XX/XXXX, the XXXX customer service agent called me, informing me that he could not get in contact with the host and the case would be closed. I emailed the host directly, and informed her if we could not come to a resolution, we would have no choice but to go to small claims court. I feel that I have been put in an unfair position as both XXXX and Chase have closed the case with no assistance in receiving a refund. As stated, XXXX seems to be in agreement with me however, will not be taking any action to help.
Product: Checking or savings account

It all started with a refund that they didnt want to refund. Then I experienced a situation where they were discriminating against my XXXX, and were telling me that I needed to follow some steps, regardless of the issues that I was having informed them that I could not read, and if they could call me in for me, and then they just change the subject of the matter and then they just, in when I say they I mean cash app cash app which is say it was either suspicion of fraud, or it was unusual activity. And theres even been times where my card had no choice but to cancel that we order another one and then I would have to wait the 7 to 14 days to get a new card and then I would experience several different issues with the digital wallet of suspicion of fraud or unusual activities on a brand new card that I was forced. And then the address they couldnt guarantee that the card could come there. I also had informed Cash App that per my policy of dealing with customer service. If my standards arent met, I charge a fee for that I charge a fee for discrimination. I charge the fee for hold times I charged a fee to speaking to a I instead of capable human beings, I charge a fee for incompetence, and I charge fees for whatever they might be Ill inform them, and then, depending on the next following statement, whether theyve complied or not, the charge will be made or not, and they have several charges And havent paid any of them I would like the charges paid in full, or I would like them to tell me why I got in a court of law and I plan on asking for more than {$10000.00} so a meeting about redress negotiation, mediation, conciliation, arbitration or private judgment is going to be sought after and needed Immediately I charge {$20.00} XXXX if this is a headache by the time I get to court I will be {$20.00} XXXX of my my needs are not that before that and before then I mean within 24 hours. I could be contacted at XXXX or you can reach me at XXXX, I would like a XXXX  of this message to go to the XXXX  officer XXXX last name XXXX I would also like XXXX XXXX XXXX to be notified as well as XXXXXXXX XXXX. I plan on sending out a mass email to the XXXX XXXX users for XXXX XXXX card holders, if my needs are not met, I want a copy of this sent to XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX as well as the XXXXXXXX XXXX  location I believe is XXXX cultures the XXXX XXXX. as well
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, and Equifax. Please delete the following accounts. XXXX XXXX XXXX bal. {$10000.00}.
Product: Checking or savings account

I made my usual weekly recurring deposit of {$50.00} into my investment account on XX/XX/year> which should result in XXXX reward points. It posts every week but this week it did not.
Product: Checking or savings account

account number - XXXX name of Bank - " Chime '' transactions in question XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX total : XXXX I Am the consumer, natural person fact ; this bank advertises XXXX fraud liability for the checking accounts it Offers to its consumers, fact ; The transactions were brought to the bank attention 3 separate times, fact ; the " financial instution '' choose to decline the claim that these charges were unauthorized fact ; pursuant to the FDPCA no consumer can incur a debt for personal, family, or household purposes ; fact.

I swear to all the information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily surrendered my vehicle to Exeter Finance in XX/XX/2023 and after the vehicle was sold, I had a remaining balance of {$22000.00}. On XX/XX/2023, Exeter Finance accepted a settlement offer of {$10000.00} to be paid by XX/XX/2023. I paid the {$10000.00} on XX/XX/2023 and disputed the account twice with XXXX, XXXX XXXX XXXX to update the account status, balance & comments and both times, it came back that Exeter has verified that I still owe a balance as of XX/XX/2023 and will not update that the account has been paid with a XXXX balance. It is now XX/XX/2023. I have contacted Exeter three times as I have not received a letter to state that the account has been settled and I have a XXXX balance. Each time I contact Exeter to request this, they inform me that it will take 48 - 72 hours to receive this via email and weeks have gone by and I still have not received anything from Exeter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to XXXX XXXX XXXX XXXX XXXX on XXXX to remove these accounts immediately which were wrongly reported on my credit reports : XXXX XXXX. Account Number XXXX the amount charged off is {$8600.00} ... Account Name : XXXX XXXX Account Number : XXXX amount charged off {$6300.00} ... Account Name : XXXX XXXX. Account Number:XXXX, Amount charged off {$2500.00} ... Account Name : XXXX XXXX XXXX.Account Number : XXXX, Amount charged off {$5900.00} ... Account Name : XXXX XXXX  XXXX XXXX . Account Number : XXXX Amount charged off {$630.00}... It has been 30 days since I send my letters, the credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTE XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX   XXXX {$670.00} XXXX  XXXX {$490.00} XXXX XXXX XXXX XXXXXXXX {$440.00}
Product: Debt collection

Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. I would like to file a complaint on XXXX XXXX XXXX XXXX XXXX in the amount of a {$300.00} XXXX XXXX XXXX This account is now showing on my consumer file as delinquent. I have tried on numerous occasions requesting validation of the debt, Added I Asked Debt Collector to submit Validation of Original Creditor and Debt Collector has not done so. Letter Attached. This debt has been removed and replaced on a few occasions and debt collector has never validated debt. I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. 
I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking with my daughter and providing her with information regarding this debt advising debt information on a few occasions as well as via text messages, this violates 15 USC 1692 ( b ) ( 2 ) also by submitting XXXX XXXX XXXX cards/mail with which violates 15 USC 1692 ( b ) ( 4 ) ( 5 ) 15 USC 1692 ( d ) Harassment or Abuse this debt collection agency may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limited the general application of the foregoing, the following conduct is a violation of this section. This debtor has done so by repeatedly and continuously harassing me by causing telephone to ring, with the intent to annoy abuse and harass me. 

This Debt Collector has also been misleading, The Debt Collector sold this account to First National Collection Bureau Where They have Fraudulent called themselves a Bureau and they are not a Bureau. I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment entry that appears on my credit report. Upon reviewing my credit report, I noticed a late payment listed, which I believe to be inaccurate.My account with XXXX XXXX XXXX XXXX was never late.I have proof from the XXXX credit bureau also. 
Below are the details of the disputed late payment entry : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX The exclusion clause from the Fair Credit Reporting Act ( FCRA ) regarding " consumer reports '' reads : The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Consideration of consumer information. In conducting any reinvestigation under paragraph with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph with respect to such disputed information. 
Treatment of Inaccurate or Unverifiable Information In general. If, after any reinvestigation under paragraph 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 be promptly deleted that item of information from the file of the consumer, or modify that item of infomation, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the infomation has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I closed my line of credit account with Regions bank. I have been I. Touch to settle the account also. I did a dispute with credit bureaus because I the consumer closed this account they will not report to the credit bureaus I closed this account. I have Wrote and called still this account is not reporting as closed by the consumer. I want the account closed as I ask them and report it correctly to the 3 bureaus. 
I also wrote to settle the account they are asking me for my tax returns and I have provided them my income from my employer I work part time now and wanted to settle this account. They said I need to provide my taxes return I file jointly with my husband I dont deel his information needs to be in there possession. Please help me get this account closed dating back to XX/XX/XXXXwhen I requested to close it.