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

I am filing a formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Despite my repeated efforts to dispute inaccurate information, TransUnion has failed to properly investigate my disputes and continues to report inaccurate and misleading information on my credit file. 

I have sent multiple dispute letters and filed several CFPB complaints, yet TransUnion has not conducted a reasonable investigation. I recently discovered that accounts included in my bankruptcy have been reinserted onto my credit report in direct violation of FCRA reinsertion rules. Additionally, TransUnion responded with false information, stating that their investigation verified these accounts as accurate, despite clear evidence to the contrary. 

I am formally requesting immediate permanent deletion and correction of the following inaccurate information from my TransUnion credit report : XXXX. Incorrect Personal Information : Incorrect names XXXX. XXXX XXXX  XXXX XXXX  : The XXXX XXXX XXXX does not report or verify bankruptcies to consumer reporting agencies. This entry should be removed. 
XXXX. Accounts Included in Bankruptcy but Reinserted or Still Reporting : XXXX This account was included in my bankruptcy but is not listed as such and is now reporting again. 
XXXX XXXX  This account was included in my bankruptcy but is now reporting again. 
XXXX. Accounts with Unverified Documentation : XXXX XXXX XXXX Has not provided proper documentation that constitutes proof that I owe them for this account. 
XXXX XXXX Has not provided proper documentation that constitutes proof that I owe them for this account. 
XXXX XXXX Has not provided proper documentation that constitutes proof that I owe them for this account. 
XXXX. Accounts Reporting Inaccurate or Reinserted Information : XXXX  XXXX XXXX This account was deleted on XX/XX/year>25 but reinserted on XX/XX/year>25 and continues to report inaccurately. 
XXXX XXXX inaccurate information. 

XXXX Failure to Comply with the FCRA Includes : Failure to conduct a reasonable reinvestigation of disputed accounts. 
Reinserted accounts included in bankruptcy without proper notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 
Providing misleading and false responses to disputes. 
Failure to correct and remove inaccurate information. 

Please provide me with an update on the status of this complaint and the corrective actions that will be taken against TransUnion. I appreciate your prompt attention to this matter.
Product: Mortgage

I NEED MY PAYMENTS RECORD ON MY HELOC AT BANK OF AMERICA, FROM THE BEGINING TO THE FINAL PAYMENT. I NEED PAYMENTS THAT WERE MADE AND REVERSED OUT. 
THANK YOU
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX BANK # XXXX Account Name : XXXX XXXX AND CO XXXX XXXX Account Name : XXXX  XXXX BANK NA # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX SERVICE # XXXX Account Name : XXXX XXXX CORPORAT # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX VEHICLE 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I have a credit card with XXXX XXXX and have asked them not to get calling my place of employment when I didn't give them the phone number. They called my employer today XX/XX/2018 twice and then employer asked them to stop calling also.
Product: Credit reporting

Upon reviewing my credit report from, TransUnion, I noticed several unauthorized inquiries listed under my file. I contacted TransUnion via certified mail on XXXX XXXX, 2016 requesting the inquiries to be removed and provide documentation bearing my signature. TransUnion responded saying the inquiries were verified and factual. In the letter sent to the bureau, I requested verification and validation but the company failed to comply. I called on XXXX XXXX, 2016 ; I called TransUnion in response to the letter and asked that the inquiries be removed from my report. I called Trans Union again on XXXX XXXX, 2016 regarding the inquiries and the agent was not helpful. The agent declined to do so and stated the information will remain for two years. The inquiries are as follows : XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX has been reporting inaccurate information to my consumer reporting and reporting transactions and experiences which is a clear violation of 15 U.S.C. 1666b and also is charging me an excess amount of interest because they swindled me into a agreement with disregards to my States usury law using deceptive practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XXXX/XXXX/XXXX reported this to Tidewater. I have XXXX insurance, which totaled the car on XXXX/XXXX/XXXX and Tidewater agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with Gap. XXXX Claim # XXXX On XXXX/XXXX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, Tidewater, ( which the insurance department with tidewater email indicating that will be the next steps ). I received a statement from Tidewater, dated XXXX/XXXX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with state farm and gap is currently taking place. I called Tidewater they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with Gap for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from Tidewater indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of Tidewater is hurting my credit score after they agreed to closeout the loan. Tidewater still continues to collect money from me, XXXX and Gap for a loan that was totaled by the insurance.
Product: Debt collection

XX/XX/XXXX-XX/XX/XXXX - When trying to downgrade my XXXX package to an internet only package at a price of {$64.00} I was instead signed up to a TV and Internet package at a cost of {$100.00} without my consent or knowledge. 

XX/XX/XXXX - XX/XX/XXXX - Once I realized that the incorrect amounts were being charged I instructed my bank to block all payments to XXXX. 

At the same time I called XXXX and requested a copy of my upgraded contract. The customer service representative told me that they had a new contract but they had not received a signature or endorsement from me so it was invalid. The issue was escalated and I was told that I would receive communication within 4-5 business days. 

I did not receive any further correspondence, instead I noticed on XX/XX/XXXX that the amount of {$300.00} had been placed on my credit report under Diversified Consultants. 

The {$300.00} relates to an amount for TV and Internet Services that I do not owe as the contract was fraudulent. It also included an amount of {$100.00} for early termination of the contract ; again I had not agreed to this fraudulent contract. It also includes and amount for unreturned equipment ; I returned the equipment to my local XXXX store and the employee had noted it on the system. When I called XXXX the customer service representative told me that they had in fact received my returned equipment but had charged me the extra fee anyway. 

It appears that the XXXX employee with whom I spoke to downgrade my contract took it upon themselves to instead upgrade me with an extended 2 year contract. 

It also seems that XXXX 's business model is to charge false fees with the hope that customers pay without checking what the fees relate to. I had no way of accessing statements once my account was closed and the only detail was the total amount due. I have been horrified by XXXX 's fraudulent actions and I want to escalate my concerns so that an investigation can take place. I fear that XXXX have been committing theft/fraud on a grand scale.
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, rules of construction, accuracy and confidentiality under 15 USC 1681. They stated my accounts were verified. How can that be if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate. Enclosed is a copy of my report still showing inaccuracies.

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.
15 U.S.C 1681a Rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX  XXXX acct XXXX # XXXX XXXX XXXX  XXXX  acct # XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

Comenity bank is a fraud. I have 4 seperate store cards and can not make payments on any cards for over 2 weeks. Customer service does not answer, calls do not go answered, XXXX XXXX and emails are ignored. Absolutely fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent the US Bankruptcy Court house a letter. I received a response letter from them saying they do not report to the credit reporting agencies. So how in the he'll did the credit bureaus verify this Bankruptcy as 100 %. They never did a fair investigation according to 15 USC 1681. And 15 USC 1681 section 603 ( E ) States the term Investigative consumerreportmeansa Consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The credit reporting agencies violated my given rights under 15 USC 1681. According to 15 USC 1681 section 602 States that I have the right to privacy. Also, according to 15 USC 1681 section 604a section 2 it stares a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 1681 S2A1 a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person know or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the accuracy of my credit report with the consumer reporting agencies and ask them to review data to ensure that it is up-to-date and compliant with FCRA section 611 and XXXX XXXX reporting standards XXXX I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demanded the permanent removal of any inaccuracies immediately. On XX/XX/XXXX I received that my dispute results was accurate to remain but it was never proven to be factual, so now I decided enough is enough and will exercise my consumer rights because the accounts that Ive attached is either untrue, unverified and incorrect, please remove them immediately. I also had some fed service loans removed from my XXXX report but now them same accounts is reporting on my XXXX report without my consent which is illegal and I demand those accounts to be removed as well..These accounts on my report is affecting with my lifestyle and its stopping me from getting loans, defaming my character and also hindering me for providing for my family ..those accounts is making me struggle behind those accounts thats being reported illegally..please delete..Ive have attached documents with everything highlighted and circle thats a concern and either untrue or inaccurate along with asking you all for an explanation on why this is on my report and I also attached screenshots of accounts that been removed from XXXX and now them same accounts is being reported to my XXXX report without consent.
Product: Credit card or prepaid card

I had never received the card in the first place and I got not one but 2 late fees of {$35.00}. I was unaware that I was getting charged these fees because I never got the card and they never called me. They did waive one of the late fees. Please waive the other. I should have a balance of - {$70.00}. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$5700.00} XXXX/VT XXXX Balance : {$0.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported two accounts that are not mine and one has more than 7 years and they don't send me the method of investigation, take more than 30 days or more to replay me they have multiples violation and they don't do the right thing and deleted this accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX/XXXX  XXXX XXXX, UNITED AUTO CREDIT CO and on XX/XX/XXXX, XXXX/XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

XX/XX/year> was 45 days for XXXX to dispute the Capital One concern and they failed to comply so a supervisor sent a request for the closed dispute letter to be sent to me and Capital One Dispute Department and XXXX XXXX CEO have failed to comply. Letter sent today once again to XXXX XXXX CEO of Capital One to try and resolve this so I can move forward and get rid of Capital One once and for all ... ... .Once again, Capital One is not in compliance of the laws with reference to a CC Dispute. Once again, Capital One Dispute Department is in violation of my rights and I am tired of talking to Capital One Employees and being put on hold constantly. Dispute with XXXX in the amount of {$60.00} # XXXX is over, XXXX failed to address this dispute within the 45 day response time required by law, they only responded to the other dispute # XXXX which is now closed. A request for a close letter was sent on XX/XX/year>, the XXXX day by one of your supervisors to the dispute department, requesting the close letter and I am still waiting on said letter and being XXXX around once again when I called today so I recorded this Capital Once Call as well which is legal in the state of Michigan as long as one person on the call knows this " ME '', nothing was accomplished and then I was being transferred once again to a supervisor to start all over, this is no longer acceptable! I AM PREPARED TO TAKE THIS TO A COURT OF LAW XXXX XXXX IF YOUR DISPUTE DEPARTMENT DOES NOT IMMEDIATELY COMPLY AND PROVIDE THE CLOSED LETTER SO THAT I MAY GET RID OF CAPITAL ONE ONCE AND FOR ALL, YOU HAVE BEEN WARNED A FINAL TIME.
Product: Debt collection

I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit.
Product: Credit reporting or other personal consumer reports

I ask that these unauthorized inquiries Be removed from my credit report by the following bureaus XXXX, XXXX, Experian filed a report via XXXX XXXX XXXX XX/XX/scrub>XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XX/XX/scrub>XX/XX/2023 ,XX/XX/2023 ,XX/XX/2023 unauthorized inquiries
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Vehicle loan or lease

I moved to the XXXX  from XXXX, so I was required to register my car as a new resident. I went to the Florida DMVXXXX XXXX Tax Collector XXXX XX/XX/2023 to start the registration. Over the next 2 months, the Tax Collector tried on numerous occasions to request the title from Audi Financial/VW Credit in order to complete the registration but received no response. I contacted the Texas Department of Motor Vehicles and they confirmed that a copy of the title was sent to Audi on XX/XX/2023. However, Audi claims that they can not locate it. I have called Audi multiple times to have them request the title again. None of their representatives seem to know why its taking so long to process the request. The current registration for my vehicle has expired and I can not renew it because I no longer live in XXXX. How do I get this resolved?
Product: Mortgage

We were attempting to do a short sale. Nationstar mortgage changed the locks on the home and forced the utilities in their name. They supposedly winterized the home but the pipes froze and the home was flooded and had to be completely gutted. They have since been sued by XXXX XXXX for their negligence. Theyb forced utitlitiesn in their name but they never put on the required forced insurance. We had received an offer that if not accepted we could have put in the remaining funds to cover it. Nationstar and XXXX kept telling us it was tghen other parties problem. This now reports as a foreclosure. Our ability to sell the home was taken away.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Debt collection

World Finance continues to attempt to collect an alleged debt. World has not provided the documentary evidence requested. World Finance continues to furnished this alleged debt to consumer reporting agencies. World has caused me emotional distress. World Finance continues to mislead and misrepresent. Why wasnt I informed of the right to rescind the consumer credit transaction?