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

I wrote TransUnion twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked TransUnion to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. TransUnion did not comply with my request. I contacted the Bankruptcy Court, XXXX District of California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious TransUnion did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the Consumer Finance Protection Bureau inform TransUnion that TransUnion is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that TransUnion delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.
Product: Debt collection

I 'm currently being harassed b y Navient with making payments. I pay on average {$200.00} week ly. And I 'm trying my best to get out of default. They still call me even after applying a payment.     I currently work   XXXX   shift and it 's disturbing my sleep. They have also called me several times on a private number.     I had called them at  XXXX  and I got connected with a representative. I asked them to stop the auto dialing because I work the   XXXX   shift and its been waking me up. It would t ake 24-48 hou rs and I think its ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of Fair Credit Report Act ( FCRA ) and breaking several other federal laws. They are reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. Transunion is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX of Louisiana, have been impacted by the Louisiana Data Breach ; as a result, I have been a victim of identity theft. After reviewing my credit report, I noticed several inquiries that are not mine, and I have no knowledge of these inquires. I have no account with the companies listed. I have provided my FTC report for accuracy ; please review.
Product: Checking or savings account

I did a bank to bank transfer on XX/XX/2022 between XXXX and TD Bank. 
Within my XXXX XXXX, I transferred {XXXX} from TD Bank personal checking to my XXXX XXXX XXXX XXXXk personal checking. 
I checked my balance today XX/XX/2022 and XXXX XXXX has a hold on my account until XX/XX/2022. This is unacceptable. 
I called XXXX XXXX and after 80 mins of multiple department transfers, I was told that they couldn't see a valid reason for the hold but couldn't make my funds available. 
I also called TD Bank and they stated that yes the funds is not available in my checking account but they couldn't reverse the transaction so I can cash the check instead and that I had to wait until XX/XX/XXXX for my money to be available. TD Bank also had no reason for the delay in the transactions. 
I would like the funds released immediately and for banks to be held to the same standards as consumers. The money was cash money deposited in TD Bank. No reason for the hold for 5 days. Unacceptable behavior by TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated disputes, on different occasions, in writing and online in order to have an item corrected on my credit file. I provided the credit reporting agency ( Experian ) with the necessary documents needed to dispute. 

The creditor is XXXX Account # XXXX. The credit reporting agency ( Experian ) has refused to properly investigate my dispute. Instead, they have notified me that the dispute has been updated with no corrected data or addition of previous incomplete information. 

The information Experian has provided in relation to this account is not complete or accurate. I have a right to have this information updated accurately and completely, or permanently removed. This remedy is afforded to me in the Fair Credit Reporting Act ( Sect 611 ) Experian has failed to properly investigate/reinvestigate my dispute as follows : 1. Failure to provide me with the information used to determine the result of their investigation. They have not provided any proof. ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 5. Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Transunion 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Money transfer, virtual currency, or money service

ON XXXX XXXX citibank sent _3 unauthorized wire transfers to 3 banks across the country from my checking acc. totaling $ XXXXwe found out about an hour after it happened and when we called to trty and stop it, we wewe put on hold by the fraud dept. for an hour and 15 minutes.we were then aasked to fill out 3 affidavits saying it wasn't us and was without our knowledge.we were then told it would take up to 60 days for the investigation.after the 60 days was over we were told it would take up to 90 days because of the large sum of money.During this time everytime i called and asked for info i was told someone would call within 48 hours.5 times i was told this and it never happened.my branch manager called and she too was told within 48 hours she would recieve a call.NEVER HAPPENED.During this time without warning XXXX was put back into my acc. again when i called and asked about the other XXXX $ NO ANSWER.it is now day 117 how much longer do i have to wait for some from citibaank to give me some info.I 've been with the bank for 35 years and am still just a number not a person who deserves to get an answer.please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made numerous attempts to fix this situation with Transunion, other credit bureaus and XXXX. My last attempt was on XX/XX/XXXX. I requested for the credit bureaus to investigate every piece of information on the accounts I have listed below According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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 may have knowledge concerning any such items of information. Transunion stated my account was verified. How is that possible if they did not do a proper investigation according to the law? Every piece of information on this account is not reporting 100 % accurate on my credit reports. According to the FRCA 15 USC 1681, everything has to be 100 % accurate. Accounts Re : File # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Debt collection

Wakefield and Associates is attempting to collect on a debt from me. They have the original creditor as " XXXX XXXX XXXX '' - which is someone that I have never done business with. This is actually a medical debt from XXXX XXXX services. The original amount was {$940.00}, and I settled the debt directly with XXXX for {$760.00} on XX/XX/23. 

Wakefield and Associates has placed this debt on my credit report for {$180.00}. They are reporting a medical debt less than {$500.00}, that has been settled, and they are reporting it under the wrong creditor name, instead of the original creditor name of XXXX XXXX.
Product: Checking or savings account

I put in a dispute on my checking account on XX/XX/XXXX. Then the next day XX/XX/XXXX, Bank of America froze my debit card and made my checking and savings accounts deposit only. They even blocked me from getting into my online banking. 

My husband is a joint account holder and they just froze his debit card. He still has access to online banking. ( The agent said when they put an alert on our account, online banking access is automatically blocked. This is not the case for my husband. 
We have {$1100.00} in our savings account that we need to pay our rent. The bank will not allow us to withdrawal the funds until we get an approval which could take up to 5 business days. In essence they are holding our funds hostage. They said that our accounts is in the process of being closed. They refuse to give us a reason. 
Now, we have to pay a {$150.00} late fee for our rent because of Bank of America 's actions. 
I have been a customer since XXXX and all of a sudden the day after I put in a ACH dispute on my checking account, they decide to close my account. The agents that I have spoken to have no remorse for my situation they caused. This all came without any warning and it creating a big financial mess.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a delinquency from XXXX XXXX. The first day of delinquency is incorrect. The information is old and should be removed, however Equifaxs system will not allow me to dispute it. XXXX XXXX has not removed it.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX. I am a New York resident. The company is not licensed in New York That is a minor issue. 

XXXX. The main issue is that by way of caluclation I am paying 120 % interest a year it is falsely described as acess fee, whenever it is used but it is another way t charge a reidiculsoy high carry fee. 

XXXX. For example my first payment was approxiamtly XXXX for the first month. 
only XXXX get applied to vailble credit the other is a monthly fee. 

This is plain XXXX.
Product: Mortgage

I have submitted documents for consideration of modification to my mortgage servicer multiple times and they say that they did n't receive all of the documents, or that the case was still under review. I have received multiple notices of my " Relationship Manager '' being changed from the servicer, Select Portfolio Services. They have listed the wrong dates on when they received my documentation ( XXXX should have been XXXX ) and have said on multiple calls that my case was " under review ''. Recently, they closed the review and have a foreclosure sale scheduled, despite my many attempts to pursue home retention options. They have acted in bad faith. I was told that my only option was a " cash for cooperation '' program and tha an inspector would contact me to schedule an appointment to evaluate the value of the property. After not hearing anything for a week, I called the servicer again ad was told that the customer relations specialist " must have forgotten to send the email '' to the department that schedules inspections. I have filed for assistance with my local Clerk of Courts for foreclosure mediation. The servicer can not give me a firm timeline of when I would have to vacate the property. I can not move forward in finding a place to live without a timeframe. I asked to speak with amanager after not being able to get answers and was told that my case would only be escalated for review if I had a solid offer on the home from a qualified buyer.
Product: Debt collection

Portfolio Recovery calls my # from about 50+ " spoofed '' numbers for someone else 's debt. I have told them the debt isn't mine and requested them to stop calling, but they persist and call at least 6 times a week.
Product: Vehicle loan or lease

I did an application for a consumer credit transaction with XXXX XXXX in which they told me CPS needed me to put a down payment of {$6800.00} on a used XXXX XXXX XXXX. I was also told they would also need a 5 year verification letter stating I will be getting public assistance for the length of the loan. 15 U.S.C. 1602 ( a ) Defines finance charge as a sum not including any amount comparable in cash 15 U.S.C 1691 ( a ) ECOA ( Equal Credit Opportunity Act ) prohibits discrimination against any applicant in a credit transaction whose income comes from public assistance and who exercised any right in good faith under this Act. 

My complaint was previously closed because CPS attached a adverse action notice ( that I never received as required ) in response to the violations of discrimination. CPSs response to discrimination allegations was far from thorough. If no remedy is being offered, legal action will follow.
Product: Credit reporting or other personal consumer reports

Hi! I checked my credit reports in EXPERIAN, XXXX XXXX  XXXX accounts and I found unauthorized and fraudulent inquiris. XXXX on XXXX, XXXX XXXX XXXX XXXXn XXXX, XXXX on XXXX, XXXX  XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX XXXX XX/XX/XXXX I applied for and was approved for the Covid 19 Forbearance protection under Cares Act. Under this protection my account was to show Forbearance and current. It was this way for a year. In XX/XX/XXXX I applied for and was approved for a loan modification. I qualified under Covid 19 Cares Act which allowed the lender under FHA to defer the past due amount. They did so but instead of showing that my new payments were due XX/XX/XXXX, they reported my credit late for the previous months that I was to be protected. I asked that they correct my credit. They had me send a letter. I did so, and my credit is still showing late with XXXX XXXX  it was first reported late XX/XX/XXXX and now showing over 120 days late for XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have 2 credit inquires that i believe its fraud The First One is by Best Buy credit card services Second one is by XXXX XXXX credit service never applied for any of these credit cards to have inquires from these companys can you help please thanks
Product: Debt collection

I PUT A COLLECTION MATTER WITH THIS COMPANY WHO ASSURED ME WITH WHAT I HAVE A I HAVE A LEGAL CASE THEY TRANSFERRED FILE TO LAW OFFICE OF XXXX XXXX I PAID CENTURY DEBT SOLUTIONS UPFRONT FOR LEGAL COST ONLY TO FIND OUT I NEEDED MORE INFORMATION THAT SUPPORT MY CLAIM THE LAW OFFICE CLOSED THE FILE SENT IT BACK TO CENTURY AND NOW THEY DO NOT WANT TO GIVE ME MY MONEY BACK WHEN THEY DID NOTHING I FILED COMPLAINT WITH XXXX BUT THE LIED AND SAID FILE STILL OPEN WITH THE LAW OFFICE WHICH IS CLOSED
Product: Credit reporting or other personal consumer reports

TransUnion failed to respond to your dispute within XXXX days 15 USC 1681i ( 7 ) You believe this violates specific provisions of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) ( 1 ) 15 USC 1681i ( 5 ) 15 USC 1681i ( 6 ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Trans Union for their failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, Trans Union has violated the provisions of 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( 5 ), and 15 USC 1681i ( 6 ) by failing to respond to my dispute within the required XXXX - days Transunion you received my letter XX/XX/year> and never responded to my notice. 
Trans Union 's failure to respond to my dispute within 15 days is a clear violation of the FCRA. Specifically : 15 USC 1681i ( a ) ( 1 ) : This provision requires consumer reporting agencies ( CRAs ) to investigate and respond to disputes within 15 days. Trans Union 's inaction directly contravenes this requirement.

15 USC 1681i ( 5 ) : This provision mandates that CRAs follow reasonable procedures to assure maximum possible accuracy of information. By failing to investigate my dispute, Trans Union has not adhered to these reasonable procedures. 
15 USC 1681i ( 6 ) : This provision outlines the specific information that must be included in a CRA 's response to a dispute. Trans Union 's failure to respond at all constitutes a violation of this provision. 
Supporting Case Law [ : XXXX XXXX Trans Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ] These cases establish that CRAs have a legal obligation to promptly investigate and respond to consumer disputes. Trans Union 's actions in this matter directly contradict the established legal precedent. 
Requested Relief I request that the CFPB investigate Trans Union 's actions and take appropriate enforcement action. I also request that Trans Union be required to : Investigate and respond to my dispute in accordance with the FCRA.

Correct any errors on my credit report.

Provide me with written notification of the results of their investigation.

Conclusion Trans Union 's failure to comply with the FCRA has caused me significant harm and distress. I respectfully request that the CFPB take swift action to address this matter and hold Trans Union accountable for its actions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I live in XXXX XXXX Texas in a rural area. The mail from our mailboxes is frequently stolen. This past week I received mail about multiple bank/financial accounts being opened or attempted to be opened in my name. Yesterday I was contacted by XXXX with XXXX XXXX in UT, and he said he'd spent XXXX minutes on the phone with a guy that he determined was not me, and the guy was attempting to open an account. XXXX was able to trace the guy and identify him as : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX or XXXX This morning I filed a police report with the XXXX XXXX County Sherrif 's department. 
Filled with Deputy XXXX XXXX ( XXXX ) XXXX The banks I received mail notices from are XXXX, XXXX XXXX, XXXX XXXX, XXXX Banks, XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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