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

After receiving notification from all 3 Consumer reports, I have found after great measure, Transunion continues to report inaccuracies. VIOLATING my FCRA rights. I submitted on XX/XX/2023 a formal inquiry on the accounts listed below in this document. I requested an investigation for any incorrect information be investigated, if found inaccurate or unfounded to be removed from my Consumer reports within receipt of completed investigation of 30 days. I have requested several investigations over the past 60 days into these accounts with no response, Furthermore I have requested online investigations via Transunion dispute center and have received no response of accurate information. Transunion has returned updated, and validated responses in the past 7 months, and continues to report adverse inaccurate information on the following accounts : XXXX  acct # -Date of last activity incorrect, does not match all 3 XXXX XXXX -Close Date incorrect, does not match all 3 XXXX XXXX -Payment history does not match all 3 XXXX XXXX XXXXXXXX account XXXX -High balance inaccurate, does not match all 3 XXXX XXXX -Date of last activity incorrect, does not match all 3 XXXX XXXX  -Close Date incorrect, does not match all 3 XXXX XXXX -Payment history does not match all 3 XXXX XXXX  -incorrect credit limit, does not match all 3 XXXX  XXXX  account XXXX -High balance inaccurate, does not match all 3 XXXX XXXX -Date of last activity incorrect, does not match all 3 XXXX XXXX  -Payment history does not match all 3 XXXX XXXX XXXX account -Date of last activity incorrect, does not match all 3 XXXX XXXX -Close Date incorrect, does not match all 3 XXXX XXXX XXXXPayment history does not match all 3 XXXX XXXX XXXXHigh balance does not match all 3 XXXX XXXX XXXX XXXX account # -Close Date inaccurate does not match all 3 XXXX XXXX -Payment history inaccurate does not match all 3 XXXX XXXX -High Balance inaccurate does not match all 3 XXXX XXXX XXXX deleted the XXXX XXXXXXXX account reporting inaccurately By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. Unde

r U.S.C. 15 sec 1681g. It is my understanding that these items with are inaccurate. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this within 30 days of receipt of this letter. Failure to delete these inaccurate accounts above will lead to all legal proceedings against transunion for unlawful FCRA violations. Transunion has tied up my report for more than 60 days as documented in my complaint. Leaving me unable to verify if transunion is reporting correctly.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the presence of unauthorized hard inquiries on my credit report maintained by your bureau. I kindly request your assistance in investigating and removing these inquiries, as they were made without my knowledge, consent, or any legitimate purpose. I believe that their inclusion on my credit report is unfair and unjust, and I seek resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). 

The following unauthorized hard inquiries are currently reflected on my credit report : Inquiry Date : XX/XX/year> Inquiry Source : XXXX XXXX I hereby request a thorough investigation into these unauthorized hard inquiries. I require you to verify the legitimacy of each inquiry and provide evidence that justifies their inclusion on my credit report. If you are unable to substantiate the legitimacy of these inquiries, I kindly request their immediate removal from my credit report. 

Furthermore, I urge you to take necessary measures to prevent any re-reporting of these unauthorized hard inquiries to any third parties. Their continued presence on my credit report could result in adverse effects on my creditworthiness and financial opportunities. I expect your assurance that no further harm will be caused by these inquiries. 

Please provide me with a written response within the statutory timeframe of 30 days, detailing the actions you have taken to address this matter. I anticipate a prompt resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I trust that you will handle this issue with the utmost professionalism and adherence to applicable laws. 

Thank you for your attention to this matter. I appreciate your efforts in rectifying the unauthorized hard inquiries on my credit report and restoring the accuracy of my credit history.
Product: Debt collection

On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. XXXX XXXX XXXX, XXXX listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the XXXX legal settlement between all 3 credit reporting bureaus. As of XX/XX/XXXX, the new 180-day waiting period gives consumers time to resolve medical billing issues.
Product: Checking or savings account

in XXXX of XXXX, my account was " disabled '' to DATE : XX/XX/XXXX, over 12 months later the bank as still not released my pending funds approximately {$7000.00} USD. 

I have periodically requested updates and I and ALWAYS get the same standard Custom support response " your account is still In review ''
Product: Credit card

I submitted a dispute, the company responded asking for additional information, which I provided, Then they claimed they did not receive it. 

On XX/XX/year>, additional information was requested, and on XX/XX/year>, it was provided,
Product: Money transfer, virtual currency, or money service

I have tried several times to call Pay Pal and have disputes re opened that were due to payments I made to an ex merchant that corrupted my work and so I fired him, I lost all his work so therefore several e-mails were sent to Pay Pal asking them to dispute charges to this merchant. I have several e-mails I want to provide the CFPB to show you why I'm disputing these charges and you will also see the dates for transactions and you will see the threateneing e-mails I received from ex merchant. Pay Pal 's back office would not even let me speak with a memmber of Management to discuss my issues. My cases are always being denied when I have more than significant proof to back my cases up. And when I call into Pay Pal I always get a different agent and ever one of them tell me something different, there is no steady pattern for there customer service.
Product: Credit reporting

The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Onemain has received two loan applications on XX/XX/year>. Someone used my information to fraud this application. I already called Onemain to cancel this application. 
As I learned from the representative from Onemain, the person who fraudulently obtained my ID has my DOB, Address, SSN, employer information, and expired ID. However, the fraud person doesn't have my phone number. 
The website of Onemain is : XXXX XXXX XXXX.onemainfinancial.XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Used a balance transfer offer on XX/XX/XXXX for {$5000.00}. Account was setup on auto pay to pay the balance in full so the balance was paid in full in XX/XX/XXXX. I called the bank, they refunded the amount that was paid & told me that balance will go back to the balance transfer offer. Unfortunately, the offer was not applied & I have been charged interest since XX/XX/XXXX. I have called the bank multiple times now but the issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I called XXXX to inquire about the process to add an additional card holder to my account. I inquired about if there would be a hard inquiry placed on my credit report by adding another cardholder. I asked this question by phone, as well as by Online Chat agent. Both representatives told me that XXXX does not run credit checks when adding an additional card holder. I explained to both representatives that I would not be willing to add anyone as an additional card holder if it would affect my credit and/or credit score. I was assured by both representatives that there would be absolutely no impact to my credit file. After hearing this, I proceeded with completing an application to add an additional member to my card account. Two days later, I received a credit monitoring alert that my credit file had been accessed by XXXX. When I called XXXX to inquire why they would pull my credit report without my authorization, they explained to me that the XXXX  representatives had failed to communicate the possibility of pulling my credit report due to a Fraud alert being on my file. This made no sense to me. XXXX representatives ( a total of 6 ) apologizes for the miscommunication but said I would have to contact Experian to get it removed. Experian informed me that only XXXX could request it be removed. XXXX intentionally deceived and pulled my credit report and decreased my credit score-all WITHOUT MY KNOWLEDGE OR CONSENT. XXXX also refused to correct their mistake. XXXX tried to offer me ANOTHER credit card to rectify the situation in which I told them I would not accept as adding an additional credit card would hurt my credit file even more. As a result I will be closing my accounts and also sharing my experience on social media so no one else is deceived.
Product: Mortgage

In bankruptcy our home mortgage was assigned to SLS. I have made XXXX payments and am only due for XX/XX/2017. They have us with 90 days behind. They sent us the forbearance letter. I asked for help due to my brother 's XXXX. I have total care for him 24 hours per day. For a short time I ca n't work out of the home. They filed a motion 4 days later to take our home. The average wait time to speak with someone is 45 minutes on hold. Everytime we speak there is another excuse. We are not 90 days behind and will attach the proof.
Product: Mortgage

I took out a New Conventional Home Loan Mortgage Originated & closed XX/XX/XXXX. 
First payment due XX/XX/XXXX. {$600.00} Paid on XX/XX/XXXX. 
Second payment due XX/XX/XXXX. {$600.00} Paid on XX/XX/XXXX. 
Insurance premium {$680.00} due XX/XX/XXXX, Insurance Company sent bill, but Bank Escrow Account didn't disburse payment until XX/XX/XXXX. It would have been late, but it has never arrived at the insurance company as of XX/XX/XXXX. I have received a NOTICE OF CANCELLATION FOR NON-PAYMENT OF INSURANCE PREMIUM on XX/XX/XXXX saying the cancellation will be effective XX/XX/XXXX if payment is not received. I called the bank and was on hold and tossed around to a couple of different people who would not/could not answer my questions. First, I wanted to know if the check they disbursed has cleared the bank for payment. Neither of the individuals I spoke with could/would tell me that. They said that inquiry has to go through their research department and that could take 5 to 10 business days. My homeowners insurance is going to be cancelled in 10 business days. There is NO time for that research department to conduct such a time-consuming inquiry. 
I have already received an Annual Escrow Account Statement on a loan that was originated two months ago. I don't think that is acceptable. The loan needs to be in place at least a year before I receive a statement of account. This analysis has already changed by loan payment and showing a shortage in escrow. 
Where is the money that the bank disbursed for my homeowners insurance premium? 
Why aren't they expediting a check to my insurance agent overnight? 
Why can't they tell me if the check has cleared the bank? 
Why is the money already OUT of my escrow account if it hasn't cleared the bank? 
I spent 50 minutes on a phone call to the bank and got absolutely no answers. 
This happened because the financial institution didn't update the payment mailing address to the homeowner 's insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. 
XXXX XXXX XX/XX/2022
Product: Credit card

I insist that the company expeditiously eliminate the unauthorized inquiries on my credit report.
Product: Credit card or prepaid card

This is my second dispute with the Credit Bureaus, the inquiries were taken off but the Account from XXXX Bank now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during XXXX 's XXXX XXXX. 
Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for XXXX XXXX  with a XXXX of {$7800.00}. 

I have never opened Nor Used XXXX XXXX  and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in North Carolina all my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX medical bills listed on my credit report that do not belong to me that I have no responsibility for. I have disputed this information with the credit bureaus and the collection agency to no avail. This incorrect information remains on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is inaccurately reported. Rather than fix the problem, XXXX sent me a letter accusing an unauthorized third party made the request. As if I'm not capable of advocating on my behalf. XXXX corrected the report ( thank you ). And Experian never bothered to reply!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

XXXX XXXX XXXX XXXX believes I owe them medical debt. I assert that I do not and communicated this to XXXX XXXX XXXX. XXXX XXXX hired United Resource System, of XXXX, CO, to collect on its debt. United Resource System never contacted me but simply listed its account on my credit report in violation of the Fair Debt Collection Practices Act. Had they contacted me, as the law requires, I would have formally disputed the debt. I need United Resource Systems to please immediately remove its entry on my credit report and come into compliance with the Fair Debt Collection Practices Act.
Product: Checking or savings account

On XX/XX/XXXX, Discover bank underwent announced maintenance on its debit card systems. The message users received about this for weeks before it happened was that the maintenance would take place overnight, and that it would not affect transactions. 

That morning, several hours after the maintenance window, I tried to use my debit card and it was declined for insufficient funds. I called Discover Bank, and they had no idea why my card wouldn't work, though they thought it was because my card was expired. " Are you sure you aren't using an older card? '' I don't have an older card. 

They told me there was no reason my card was being declined, and I should try again. I did, and it was declined again. THAT is when the customer service reps admitted their maintenance went longer than expected and was - contrary to their own written promises- affecting transactions. 

Two days later, and my card is being declined AGAIN. This time, they've allowed vendors to maintain holds on funds even after the bank has charged me for the vendor 's item, effectively taking money out of my account twice, and rendering me again unable to use funds in my account as they are tied up with " holds ''. 

I tried to log into their website to register a complaint, but the website tells me my account " isn't accessible '' because I'm using an older browser ( my XXXX  updated just a few days ago. I'm on the latest build. ) For questions, they provided a number which I called. And it was the wrong number. 

In ALL of this Discover bank is claiming their maintenance was " unplanned '' ( weird how they announced an maintenance schedule ), and made it seem like all of this is just some unfortunate series of events over which Discover Bank ( owning all these systems ) has no control. 

100 % of my income comes from SSDI. Discover Bank is effectively limiting me from using funds provided me by the federal government for a living well below the poverty level. 

This is unacceptable on all levels.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX.
Product: Debt collection

on XX/XX/year>, i sent a formal dispute letter to Helvey & Associates, INC via email, requesting verification of a collection account appearing on my credit report. the account is listed as collection for {$910.00} account number XXXX, associated with XXXX XXXX XXXX XXXX. I do not recognize this debt and believe it was reported in error. 

I included all necessary supporting documentation and proof to demonstrate why this account may not be valid, and i asked the company to provide verification of the debt. I also provided my contact information for a response. 

As of today, XX/XX/year>, more than 30 days have passed, and i have not received any response from Helvey & Associates , INC . This lack of response violates the Fair Credit Reporting Act ( FCRA ), which requires the company to complete its investigation and respond to disputes within 30 days. 


What have i done so far : 1. Sent my dispute on XX/XX/year> via email. 
2. confirmed email was sent on XX/XX/year>. 
3. waited for the 30 day investigation period to elapse.

What i would like to happen : I am requesting that Helvey & Associates, INC either : 1. provide verification of this debt, including all documentation supporting its validity, or 2. Remove the collection account from my credit report immediately if they can not validate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon trying to finance a vehicle XXXX XXXX denied me and my wife a loan. They sited information from TransUnion, XXXX, and XXXX. The key factors where Serious delinquency, and public record or collection filed. Time since delinquency is too recent or unknown, To many accounts recently opened. Too many inquiries last 12 months. The fair credit act states that the information on any credit report has to be 100 percent verifiable and I take issue with erroneous information on my credit report. This bank has engaged in redlining and that is a federal crime.
Product: Credit card or prepaid card

XXXX XXXX is in violation of 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), protects applicants from discrimination in any aspect of a credit transaction transactions include : Consumer credit and Standards of creditworthiness. 
Due to this action it further exacerbate my credit worthiness that will harm my Family financial outlook.
Product: Debt collection

Used one of my Capital One Credit Cards to purchase XXXX gift cards at XXXX location in XXXX XXXX, yet when using that purchased card ( and amount ) to load the value into my XXXX account it showed as no value on the card. I'm aware of, and received notice, of a class action settlement for using debit or credit cards at XXXX XXXX XXXX XXXX XXXX XXXXXXXX v. XXXX XXXX XXXX XXXX and am concerned about both the initial issue, as well as XXXX 's response when I made them aware. I took the card, and receipt, back to the exact location it was purchased was asked to leave my name and number, and the clerk made a photo copy of all the documents and said someone would call the next day. The next day passed, and then the following day I followed up again, in person. Again, I was asked to provide my name and number, and they still didn't follow up are offer refund for a faulty product they offer. It's been several days beyond that point and still they have not follow up on their statements or promise. 
I've alerted Capital One of the issue, and am looking for resolution.