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

I am filing a complaint against TransUnion for its failure to provide access to my online credit profile, credit reports, and scores, as well as the ability to manage my credit profile. This has significantly impacted my ability to address fraudulent accounts and inaccuracies on my credit report.

I am specifically disputing a fraudulent account that appears on my credit report : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX, XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened due to identity theft. Despite this, TransUnion has failed to permanently remove the account from my credit report. After initially being removed, the account has reappeared, which further violates my rights under federal and state laws.

TransUnions actions are in clear violation of several federal and California state laws, including but not limited to : - **Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, I have the right to dispute inaccurate information and have it corrected or removed from my credit report. TransUnions failure to permanently remove this fraudulent account, and allowing it to reappear, violates this law.

- **California Consumer Privacy Act ( CCPA ) : ** The CCPA grants me the right to have personal information deleted and ensures that it is not reintroduced without my consent. TransUnion 's reappearance of this account is a violation of these protections.

- **Consumer Rights Under the FCRA : ** TransUnion 's failure to provide online access to manage my credit profile, reports, and scores further violates my consumer rights under the FCRA . The inability to manage disputes online has obstructed my efforts to address fraudulent information.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's practices and ensure compliance with all applicable federal and state laws. I demand the immediate and permanent removal of the fraudulent XXXX XXXX XXXX XXXX account from my credit report, along with a written confirmation that this account has been blocked from reappearing in the future.

TransUnions disregard for federal and state regulations has caused significant harm and stress. I expect prompt corrective action to resolve these ongoing violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. The purpose of this communication is to follow up on my previous complaint dated XX/XX/XXXX. I want to inform you that I will be updating my credit reports within 15 days from today, the date I sent this complaint. I sincerely hope that the items listed in this complaint, for which I have filed a report with the FTC under reference # XXXX, will be removed before the 15-day deadline. Please take note of the following details : ***************EXPERIAN*************** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I received a letter from GM Financial that I would receive a final bill for any excess mileage and wear and tear in approx 45 days after I turned in the vehicle. I turned in the Vehicle on XX/XX/2019. On XX/XX/2019 I received a final bill that was due XX/XX/2019. On the bill it stated excess mileage of XXXX, a disposition fee of {$390.00}, and XXXX in tax. I was not made aware of the disposition fee until I received this bill as it is not stated in an identifiable manner but rather buried within the contract. the dealership that leased the vehicle to me did not disclose this to us at the time of leasing the car and we were shocked to receive this bill 3 months after we turned in the car and for 3 times what we anticipated. Upon calling GM financial the associate I spoke to stated the fee was for auction services, however the dealership bought my car and the car was not sold at auction. The GM associate changed her story and said the fee was a end of lease fee, when I asked why I didn't have to pay this on my previous lease she said that she did not know and would have to pull the contract. I also kept checking the website for my lease to see what my final bill was and it stated paid in full along with my credit report which I pulled in XX/XX/2019 which stated paid in full. when I checked my credit report today it not says I owe money and the account is open again this is inaccurate reporting. I feel this is deceptive practices for leasing a vehicle and this information should be accurate, disclosed correctly to the consumer at the time of the lease and not hidden in the contract and reported accurately to credit bureaus. Not a complete surprise 3 months after you turn in a vehicle. The GM financial associate also stated that I have 30 days to pay before I am reported late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I viewed my credit report after I had difficulty leasing an apartment for my family, I was shocked and dismayed to see a collection account on my credit report for XXXX that has been given to some shady sounding company that does n't have a real name. The name is the following : Rcvl Per Mng I contacted Rcvl Per Mng at the number listed on my credit report, and they could not verify this and said to call XXXX. I called to XXXX, and they said to call the collection agency. 

I have never had a XXXX account, only XXXX in my whole life. 

A quick XXXX search leads me to believe that this is actually a company called Receivables Performance Management. They are clearly trying to hide who they really are by not having their real name on the XXXX report. 

I would guess they are not licensed to collect debts in Tennessee.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXX of corrections made to the disputed items. 
XXXX that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. XXXXCREDIT XXXX BANK NA XXXX.
Product: Money transfer, virtual currency, or money service

Funds were not transferred in a timely manner accruing additional fees when awaiting clearance. Fees were not credited to my account.
Product: Bank account or service

I brought my checking account to a {$0.00} balance and then called customer service to close my account. First they refused to close it over the phone and said I was required to go into a branch if XXXX is within XXXX miles from my home. When I looked up a location there was not a local branch so the customer service rep told me to fax a letter to XXXX to deposit operations with my full name, account number, and current address along with my signature and they would close the account. I faxed the letter and then called customer service to confirm they received it. They did confirm it was sent but then said a letter was mailed to me and I need to get my signature notarized and sent back to them in order to close the account. I have had many accounts at other banks that never required this much to close an account. It appears they are just trying to make it very difficult in order to retain clients but with this kind of customer service I will be happy when my account is finally closed.
Product: Prepaid card

XX/XX/year> tried to withdraw XXXX dollars out the ATM located atXXXX XXXX XXXX XXXX XXXX Illinois didn't any money dispense but it wasn't taken out of my account when I call customer service they were playing on the phone very unprofessional i had to call several times when did speak to someone they told me that it's still pending so give it 24 hours and it will go back in my account it have been over 24 hours and money is still not in my account, this is my rent money I was trying to withdraw it to pay my rent yesterday if my is not paid today it is a late fee charge can please help me get this resolved before tomorrow
Product: Debt collection

XXXX XXXX XXXX, SS # XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX Experian , and XXXX credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within 7 business days of you receiving this complaint. 


In accordance with the Fair Credit Reporting act, these in accurate accounts consist of colletions such as accts from XXXX XXXX XXXX opened on XXXX XXXX account # XXXX, XXXX XXXX XXXX opened XXXX XXXX account # XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX.All the accounts are falsely listed with wrong dates and account numbers on my Experian, XXXX XXXX and XXXX consumer credit profile. I would like these hard inquiries deleted with in 4 days of receiving this complaint.

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: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I submitted a request to your organization in relation to incorrect credit score from all 3 credit bureaus Such as XXXX, Equifax and XXXX. Since then, XXXX, Equifax and XXXX have significantly increased my credit score. The last issue I am experiencing is inaccurate Fico score with all 3 Bureaus. XXXX has my Fico score listed as XXXX, Equifax XXXX, XXXX XXXX. 


I do not believe the Fico score in accurate. I have a credit balance {$1300.00}. Which you need some sort of credit card debt to keep score high. However, I am getting a message from the XXXX website to pay off at least {$480.00} and the Fico score will go up at least XXXX points. Thus, this will decrease my credit card debt and lower my overall credit scores. 

I would like to know what factors determine the Fico score.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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

Not sure of the dates that i have reached out and file disputes and said that I was not able to do so. I have tried numerous times to just pay the XXXX , and they wont take payment. Will not tell me where to send it. The only reason i was going to pay it bc it is just XXXX XXXX  and i want off my credit. I have never not paid my bills. I have no ideal where this even came from. I need it resloved.
Product: Payday loan, title loan, or personal loan

Upgrade.com- Upgrade inc. on behalf of XXXX XXXX XXXX has 2 loans open under my name and they sent me a notice in the application ( app ) stating that there was an adverse action notice in my Personal Line of Credit account. * '' Unable to verify identification of requestor* I contacted the company and they kept telling me they needed information. I submitted the information and no response. I then get a notice my accounts were frozen and i kept calling to verify that they received my information. To this day there has been no confirmation of receipt and the accounts have been closed. I asked for a paper response so that I can provide this information to the CFPB. Was told they are a finserve company and they only work with email. I expressed that there is an issue with their email because i have not received confirmation that they received my paperwork as requested. I was told by a few representatives that I must be doing something wrong. There is no PORTAL where I can upload the documentation, and there is no formal notification by mail to advise that the account is under threat of being closed sue to that " verification of requester '' request that they do initiate through the website portal.

Every time i call to get more information i get referred to emails that I have not directly received. I get updates once i call in and ask to speak to someone regarding my account. At this point I have 2 accounts that are now closed, can not utilize the line of credit and the balances are due, so i can not use the product that i was told i could utilize all because of what I believe is a faulty process and I am being penalized because their system is inadequate at receiving documentation other than in EMAIL, no portal access and no physical method to submit requested paperwork. 

XXXX XXXX XXXX. 
Accounts # XXXX, XXXX
Product: Credit card or prepaid card

1. I was seeking a refund to which I was entitled based on the service not being rendered due to COVID from a merchant ( XXXX XXXX ) for {$1600.00}, with a transaction date of XX/XX/XXXX. 
2. The merchant was unresponsive to my request on XX/XX/XXXX, so I proceeded to open a dispute for the charge on my credit card. 
3. Upon learning of the dispute, the merchant responded to me saying they would issue a refund. Chase directed me to withdraw my dispute and that its better to work with the merchant if theyre willing to issue a refund. I proceeded to withdraw the dispute. 
4. The merchant later claimed that the dispute remained on their account. Following Chases subsequent instructions, I was directed me to re-open it via sending a Fax letter, and was told the credit would show up on my account within 2-3 weeks. 
5. I called in later and found out that the time had passed to re-open the dispute, and I was no longer eligible for a credit. The bank apologized and said they believe they can re-open it and I should receive a confirmation within 7 days. 
6. I never received a confirmation. I called Chase back and a manager claimed that too much time has passed, and the funds can not be recovered. 

The negligence of Chase both in instructing me to cancel my dispute, and later instructing me that theyd simply be able to issue a credit if I faxed them a letter, caused significant financial damages to me personally, and my recourses are exhausted.
Product: Student loan

Every month when I make my payment, I choose the Custom Pay option and pay the minimum on one loan and an overpayment on the other in an attempt to pay it off faster. I have kept track of my payment amounts and balance amounts since XX/XX/XXXX though I have been doing it this way for much longer than that ). Every month when I would log in to pay, I viewed the balance information and noticed that they consistently disregarded how I wanted the extra money to be allocated. I called on XX/XX/XXXX to discuss. The rep told me that she recommended that I make the minimum payment then log back in after several days to make an additional payment, which is ridiculous. Why have the Custom Pay option if it must be done that way? She also said she would put in a ticket to have the payments fixed from XX/XX/XXXX going forward ( since thats how long my records went back to show how much was being allocated to each loan ). I never heard anything else from them regarding this. The payments were never fixed. I continue to pay this way and each month they seem to disregard how I want that extra money allocated.
Product: Checking or savings account

My paycheck direct deposit did not push through. They say its a national outage but its a holiday weekend and this causes so much trouble
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out validation letters to verify the account in question on XX/XX/10 and didnt receive anything back. The debt is for {$2300.00} which I didnt give my consent for.
Product: Checking or savings account

XX/XX/XXXX Opened new checking account with promo code XXXX which advertised a {$400.00} bonus after qualifying activities. 

XX/XX/XXXX, Deposited {$1500.00} into account XX/XX/XXXX Phoned US BANK, talked with XXXX, who confirmed all qualifying activities had been completed, and bonus should be arriving. 

XX/XX/XXXX Phoned US BANK to follow up as no bonus yet, talked with XXXX who again confirmed all qualifying activities had been completed and that I would be contacted in one to two business days. 

XX/XX/XXXX No contact from US BANK, no choice except to formally file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, and living human being, and I have rights under 15 USC 1681 Transunion is govern by 15 USC 1681. And they have violated my rights numerous times. And I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and did not give Transunion my written permission to furnish any of the accounts below and Transunion should NOT be reporting my transactions or experiences with any of the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or US Department of Education. 

Violation # 1 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Violation # 2 15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Violation # 3 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have attached affidavit which stands as truth
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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 XXXX XXXX, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of XXXX XXXX! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS XXXX XXXX. As a consumer I am demanding the deletions listed IMMEDIATELY!
Product: Student loan

After I graduated from XXXX school in 2013 I was told to put my loans into forbearance because I was sick and unable to work. The problem with this option was that I was never told that the interest was accruing the whole time leaving me with a huge loan that I am now trying to pay off.
Product: Debt collection

Received Friday, XX/XX/2023, XXXX XXXX " FROM : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt-collector. Call us at XXXX or visit us online using reference number XXXX at fncbinc.com. Reply STOP to stop texts '' I replied stop. These messages have continued, documented on Monday, XX/XX/2023, XXXXXXXX XXXX and Friday, XX/XX/2023, XXXXXXXX XXXX  Phone calls not included, but have been made since. 

Because my name is not XXXX and I have asked them to stop I would like to pursue this further.
Product: Checking or savings account

Called to get XXXX {$36.00} overdraft fees totaling {$72.00} reversed because their program of offering reversals failed to detect my XXXX transfer of funds to bring the account current. They say the funds were deposited at XXXX PM even though they were sent around XXXX pm central today. 

Due to this error it revoked the ability to reverse the fees. 

A representative named XXXX answered my call and consulted with a XXXX XXXX XXXX to reverse the fees. She told me she was approved to reverse them. 

Upon hanging up I saw only XXXX was reversed. I called back and obtained XXXX XXXX who said he only approved XXXX which means I was given invalid/deceitful information to get me off of the phone call. 

I continued to press for the fee refund and while XXXX remained professional throughout the call and continued to deny the second fee reversal got in a snide Thanks for being so unprofessional right before hanging up the call. 

This is unacceptable. I expect a reasonable resolution to this concern or I will retrieve the call recordings from the XXXX phone system I called from to make them public.
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 XXXX # XXXX Account Name : XXXX XXXX SERVICES # XXXX