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

This is a follow-up to my previous complaint ( CFPB Complaint Number : XXXX ; XXXX & XXXX ) against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite the initial complaint and the CFPBs involvement, TransUnion continues to demonstrate a pattern of non-compliance by refusing to conduct a reasonable investigation into the inaccuracies on my credit report. Their failure to address these issues adequately has caused ongoing harm to my creditworthiness and financial stability. 

Summary of Recent Developments : Repeated Verifications Without Proper Justification ( Letters Dated XX/XX/year> and XX/XX/year> ) : TransUnion has responded twice, both dated XX/XX/year> and XX/XX/year>, with identical results, claiming that the disputed XXXX  XXXX accounts have been verified as accurate and the XXXX  XXXX account has been updated. 
Despite XXXX having removed the two disputed XXXX XXXX accounts from my credit report, TransUnion continues to verify them as accurate. This raises serious concerns about whether a proper and independent investigation was conducted by TransUnion. 
TransUnion has not provided any supporting documentation or evidence to substantiate their verifications. This suggests that they are simply relying on the information provided by the credit furnishers without conducting their own investigation, in violation of FCRA 1681i.

Failure to Conduct a Reasonable Investigation ( FCRA 1681i ) : TransUnions lack of explanation or evidence supporting the verification results, combined with the conflicting information between credit bureaus, strongly indicates that they have not conducted a reasonable investigation. The FCRA mandates that credit bureaus perform a thorough investigation when a consumer disputes the accuracy or completeness of the information on their credit file. 
Their repeated verifications, despite XXXX removal of the same accounts, demonstrate a clear failure to ensure the maximum possible accuracy of the information reported, in violation of FCRA 1681e ( b ).

Failure to Remove Unverifiable Information ( FCRA 1681i ( a ) ( 5 ) ) : Under the FCRA, any disputed information that can not be verified within the dispute period must be deleted or corrected. TransUnions continued reporting of these unverifiable and inaccurate items has caused ongoing financial harm, including the denial of credit and unfavorable terms.
Product: Credit card

Around XXXX the Chase app approved credit card even thou I never asked for credit card. and now my score is effected they told me to call the 3 credit bureaus to let them know about fraud and one of them said i need to report here.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

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

This is in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that Bank of America recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. Bank of America doesn't manage your Fair Isaac Corporation ( FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.
Product: Debt collection

On XX/XX/2019 at XXXX someone named " XXXX '' called may work and asked to speak with XXXX , I answer the phones at work and when I asked who was calling he said it was XXXX and asked if he was speaking with XXXX XXXX . I asked him again who was calling and what this was in regards to and he didn't answer, he had only asked again if I was XXXX XXXX. and asked me to verify my date of birth He did not tell me where or why he was calling. He wanted me to confirm my identity without providing me any information or verifying a debt that was owed. 

I had already spoke to someone else who had called my work and told them not to call this number. I let this person know today not to call this number anymore.
Product: Consumer Loan

We have submitted numerous complaints concerning Wells Fargo Auto Finance. They repossessed our vehicle in XX/XX/XXXX while my husband was stationed in XXXX, CO. He was protected under the XXXX. While they acknowledge that our interest rate was reduced because of that, they claim they did n't receive orders. They received his orders prior to our interest rate being reduced because that was the proof that we were protected under XXXX. If I did not supply his orders, they would n't have reduced our payment. They claim they only charged off our vehicle and did not reposess it. They are claiming that it may have been stolen. However, I specifically recall getting the amount they recovered from auction for our vehicle. The XXXX number is XXXX. Wells Fargo was guilty of taking soldiers XXXX and had to pay them for this. They are guilty of fraud and somehow they are still trying to get away with it. They did not try to help us out when we became late on payments. They simply state that the XXXX does n't protect soldiers when their vehicle is " charged off ''. I believe they are withholding information entitling is for reimbursement due to illegally repossessing our vehicle.
Product: Debt collection

This company operating and doing business as Jefferson Capital System has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : Equifax ( XX/XX/XXXX, Dispute No. XXXX ) ; XXXX ( XX/XX/XXXX, Report No. XXXX ) ; and XXXX ( I could not login to their dispute website and the dispute hotline kept booting me off XXXX. I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this.

Your assistance will be much appreciated.

Sincerly XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires in my credit report. 1 ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX Plese remove that inquires in my credit repor
Product: Credit reporting, credit repair services, or other personal consumer reports

View your completed dispute online MyEquifax We've received your dispute and it's in process Your dispute is complete and ready to view online Dear XXXX XXXX, As a reminder, we've completed your Equifax credit file dispute, and you can view your results online. Your dispute results will remain online for 24 days. You may not be able to access your results online after XX/XX/2020. 
Your Equifax credit report dispute confirmation number is XXXX I did not get the dispute report. I tried contacting the company but there was no customer support.
Product: Checking or savings account

On XX/XX/17, I noticed a Misc Debt from my checking account, I have it set up as also direct Deposit, court order, for my Ex husband, he is not a authorized user on account. For monthly payments. I went to the XXXX XXXX, Nj bank, and they internal search, XXXX was Able to track it down at another Location, funds were being taken out, I never received a letter from the Bank or call, saying it was being Taken back out. This was done at another location with a withdrawal slip, at a teller booth. At first they said someone used by debt card and I took it out. I find this to be poor business handling in the Finacial Institute.
They said they would call me back, nothing yet on wht happen, I m afraid this person going to go back into my account. For they blamed me first, until they realized.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the Fair Credit Reporting act, XXXX  account # XXXX, acc # XXXX XXXX  XXXX  and acc # XXXX XXXX XXXX  has violated my rights .

2. 15 U.S.C 1681 section 602 A, states that I have the right to privacy.

3. 15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Checking or savings account

I have been banking with this company since XXXX  started with a checking account then I got savings an credit card long story short they closed my checking account about a year and half ago now because I didn't keep at least {$10.00} in it mind you I was jobless. now that I'm back on my feet an trying to reopen a checking account with them they are denying me and I'm not a first time customer I still have a savings account and a credit card that I pay the bill on monthly SO WHAT IS THE PROBLEM?
Product: Checking or savings account

I called chase to dispute a charge that I recd by email. I called the number on the back of my charg card. As it started going through the selections a man came on and said how can I help you. He told me case id no was XXXX his name XXXX XXXX direct line XXXX. I explained that the XXXX charge is not mine. I have no XXXX acct the email I received from pay pal had XXXX XXXX XXXX  # XXXX. XXXX. Email had two other names on it XXXX XXXX XXXX and XXXX. Then XXXX XXXX told me that I needed to take out {$42000.00} and deposit cash in a XXXX machine XXXX and XXXX Illinois locations. Which we did. They are still calling to say we have to finish transaction. I want to get these people! And recover funds if at all possible. We are XXXX XXXX  on fixed income XXXX XXXX XXXX
Product: Checking or savings account

I paid my car insurance ( XXXX XXXX ) a total of {$180.00} on Sunday XX/XX/2023. Once that payment went through, a notification popped up in my bank account ( Chime ) saying that I could get a refund when I switch car insurances. I spoke that night with customer service chat, and was told once it processed, Id receive my refund. I have not. So I called chime support and was just tossed around to repeat my story to different people. I was told to email chime support the screen shot so they can look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial has sent me a debt on XX/XX/XXXX for a balance of XXXX. Then on XX/XX/XXXX for XXXX but a settlement for XXXX. I reached out to Ally financial for original documents for our agreement made. The papers sent back was with documents that I didnt sign personally and was forged. I was later informed that the dealership released employees for this exact reason. I received a letter in mail for a lawsuit ally fin. Inc. vs XXXX XXXX and XXXX XXXX. Where the debt was settle in court and I received a small payment on XX/XX/XXXX. On XX/XX/XXXX Ally sent another later still asking me to pay the debt that was settled in the law suite XXXX Its still reports on my credit making life hard for me. I would like for this debt to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Someone robbed me and did id theft, they got prison time and these items are still on my report! 
XXXX XXXX XXXX accounts XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX IL filed petition through Mandarich Law Group in Missouri Court ( XXXX ) against me for the Credit Card Accounts i owe to XXXX XXXX XXXX XXXX according to them. ( court date set XX/XX/2020 ) Those Credit Card Accounts they are trying to collect was paid by Insurance ( as per one of the agent told me ) and i was also reported to XXXX about fraudulent charges those accounts. when i found out the fraudulent charges i closed those cards immediately and filed ID theft report and frozen all 3 bureaus credit file. 
XXXX never took any action for those accounts and i was default for those accounts due to job lay-off and send several hardship application but none of them accepted. I was advised that i am still liable for those accounts and i should take care and they threatened me if i didn't take care i will be in serious trouble, that's why i send hardship application and made 3 consecutive payments, but still XXXX sold those accounts to XXXX XXXX XXXX. so now XXXX is suing me for the money i didn't owed. 
XXXX now porting to XXXX a charged off account which i never had ( credit limit XXXX ) this fraudulent account also i reported but they never deleted from my file instead they told me to send another ID theft report, i did that too.. XXXX is XXXX my credit last few years and still doing same.. every time new charged off accounts, and when you talk to XXXX agent you will get different answers from different agents. some one have to stop this! 
.I am a federal employee with limited income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

the card if my American Express business card. from time to time I am late on a payment. strictly because i get busy and forget. on my XX/XX/XXXX closing date, i was XXXX day late but paid in full. on my next statement i expect a late fee and some interest. I was late and I paid it. that would be the closing date of XX/XX/XXXX. note : this statement was paid on time and in full. 

on the XX/XX/XXXX closing date statement, i notice interest. I called, they said it was interest from the XXXX day late statement. back on XX/XX/XXXX. when you ask, they can not explain it. 

XX/XX/XXXX statement : XXXX day late. which will generate interest on the next statement. 

XX/XX/XXXX statement : late fee plus interest from XX/XX/XXXX statement. statement is paid in full. 

XX/XX/XXXX statement : has NO late fee but more interest from the XX/XX/XXXX XXXX day late. 

how and why : the XX/XX/XXXX statement that included the late fee and interest from the XX/XX/XXXX XXXX day late was paid in full. Hence that stops all interest. you are not charged interest if you pay your bill in full. 

now I dont care what the hidden rules state on the card. this bureau was set up to create fairness and protect consumers. 

I did not mind paying the late fee and interest on the XX/XX/XXXX statement. but if a person pays that statement in full and on time, the interest should stop. under this situation, when will the interest end???? where in my contract does it clearly state if you are late or fail to pay your balance in full, the interest will take XXXX, XXXX or XXXX statements to zero out. 

how do you zero out the interest? that needs to be crystal clear and it is not. this is a scam. and when i called, they can not answer the question. they can not show you in the card agreement where it states, it will take X months to zero out. 

and how does XXXX day late generate interest when the bill is paid in full? i understand it generates a late fee but not interest. your only suppose to pay interest if you carry a balance. 

the entire issue is very simple : how do you zero back out on the interest when you are paying your bill in full every month??????????
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints and I'm including it again. 
XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Student loan

My  Citibank Loan, w hich was opened in  XXXX  for my college term of  XXXX , was never once paid ( not  one  penny ) so I technically 'defaulted ' on this loan in  XXXX . While I know that this is n't a great thing to do, my financial health right out of college was not great. Forward to  XXXX   XXXX  of  XXXX  and this loan magically appears on my credit report. The " Date Account Opened '' is correctly listed as  XXXX   XXXX , but the " Date Account Closed '' is listed as  XXXX   XXXX ,  XXXX  - 3 years after I defaulted on this loan. This coupled with the fact that it just recently appeared on my credit report makes it seem like a recent debt that I have defaulted on, which is NOT CORRECT as this was defaulted on 4 years ago at this point.     Also, listed in the details on my credit report is a note saying that " payment is deferred until  XXXX  ''. I have NO IDEA where this date came from because, like I have already stated, this loan was defaulted on in  XXXX . I have not had any contact with deb t collectors about  this loan, so I am not sure what person magically picked that date out of the air for my loan to go into repayment 5 years after I was supposed to start paying it. I would love to see this fake agreement in writing or some explanation!     I am guessing that this is an attempt f or Citi to f orce me into repaying them by " re-aging '' this debt, but I ca n't be sure. In any case, this old defaulted loan ( again, defaulted in  XXXX , never paid them  one single  penny ) is appearing on my report as only being closed a few months ago, which is NOT TRUE.
Product: Debt collection

Starting on XX/XX/year> XXXX XXXX has called my underage child to collect a debt not owed that has been removed from my credit report XXXX months ago. The relevant law regarding debt collection practices in the XXXX is the Fair Debt Collection Practices Act ( FDCPA ), found in Title 15 of the U.S. Code, Sections XXXX to XXXX. Specifically, Section XXXX prohibits debt XXXX from communicating with third parties, including minors, without the consent of the debtor. For detailed information, you can refer to 15 U.S.C. 1692. 
This is a violation as my child was XXXX XXXX XXXX at time of this happening and we are unaware of how they would have even accessed her information to contact her.