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

I am submitting a complaint against TransUnion for failing to properly address my dispute regarding the inaccurately reported bankruptcy on my credit report. On XX/XX/XXXX, I sent a dispute letter to TransUnion via XXXX  certified mail, tracking number XXXX XXXX

In my dispute letter, I specifically requested the following information regarding Transunions verification process : - Details on how the disputed item was verified.

- The date Transunion contacted the furnisher.

- Contact information for the furnisher.

- The name of the individual who verified the item.

- The method of communication used for verification ( e.g., phone, email, mail ).

- Confirmation of whether the furnisher provided any sensitive personal information, such as my Social Security number, address, or date of birth, during the verification process.

To assist with the verification of my identity and address, I enclosed copies of my photo ID, Social Security card, and a recent bill reflecting my current address.

According to USPS tracking, TransUnion received my dispute on XX/XX/XXXX. Despite my detailed and clear request, I have not received any investigation results from Transunion. The 30-day response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them.

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the FCRA. 
I am including a copy of my dispute letter sent to Transunion and USPS certified mail proof of delivery as evidence to support my claim.
Product: Vehicle loan or lease

Eastern Bank Auto Loan, was the bank I have my XXXX XXXX Financed, and was paid off on XX/XX/2017, has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Fraudulent, inaccurate, and false information has appeared on my consumer credit report, specifically hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached a list of these hard inquiries in question maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

onXXXX  XXXX 2023 XXXX credit report service stopped working and has not worked since. I pay monthly for this service.
Product: Credit card

I applied and was approved for a CITIBUSINESS / AADVANTAGE PLATINUM SELECT CARD in XX/XX/XXXX. This card offered a signup bonus of XXXX miles after spending XXXX USD in 6 months of card opening. I met these requirements within the first 2 weeks. Multiple chat agents confirmed in XXXX, XXXX, and XXXX that I've fulfilled the requirements successfully and to expect the promotional miles will be deposited in my Aadvantage account within 8 weeks ( from XXXX ). After almost 5 months of waiting, I still have not seen these miles. Multiple follow ups with Citi ( in XXXX, XXXX, XX/XX/XXXX ) went unheeded with no resolution whatsoever. 

This is unacceptable since I entered into a contract with Citi and fulfilled my end of the requirements almost instantly. 

Citi representatives also promised an additional XXXX miles as a courtesy to make up for the delay in depositing the original bonus but I haven't seen that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX does not allow for input and proper documentation of any calls or correspondence after the account is closed. 
All my calls have not been documented. 
All my complaints via a call have not been documented. 
Prior to the closure, I could send an email. Since the account has been closed, I am unable to have access to both of my prior loans paid in full. 
I have a dispute of the only 30 day late in my Credit Report from XXXX. It was admitted that they had internal personnel issue due to CoVID-19 and payment processing. 

Come to find out, my calls to inquire and dispute, NONE have been documented since the representatives are unable to document the dispute. 

I am also filing a FDCPA and ECOA complaint. 

Ford Credit Dispute Department XXXX XXXX XXXX, XXXX XXXX XXXX : Account : XXXX Escalated Complaint / ACDV / Research Department / CFPB Reason For Dispute payment processed XX/XX/XXXX ; 30 day derogatory Please correct the reporting of the 30 day delinquency for the PAYOFF that was processed on XX/XX/2020. This was unbeknownst and unrelated to any fault of mine. As you can see by my payment record, even after being intubated XX/XX/2020, not being medically released to return to work until XX/XX/2020 just to be Furloughed until XX/XX/2020, I made all of my monthly payments. 

I paid off my other loan in the amount of {$18000.00} with you, too, in or around XX/XX/2020 as soon as I was able to function. My accounts were never placed on a Forbearance, despite of my situation. 

I do not know if due to CoVID-19 the payoff was not processed in time, USPS or other delivery methods delay due to the Pandemic.

However, I do know it was to no direct fault of my own. 

I appreciate your swift assistance on this matter.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious 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
Product: Credit reporting or other personal consumer reports

in XXXX the city of XXXX XXXX old firehouse property which the buildings department did not maintain fell into my property damaging it. I informed the mortgage company and made a claim with the insurance company they obtained for my property for me. The insurance company did not honor the insurance policy for the claim against the City of XXXX XXXX and I took the City of XXXX XXXX to court. The city lost and were found guilty of XXXX onto my property. During that time the building XXXX  illegally tore my house down during litigation and destroyed the evidence. The insurance company did not honor that claim as well for malicious vandalism. The mortgage company knew I was in litigation with the XXXX of XXXX XXXX yet still submitted to credit reporting companies that I had late payments and put negative remarks on my credit report. I have asked repeatedly that they take those remarks and reports off my credit report but they have ignored me. They illegally foreclosed on the property taking me to court without notification of court date so I could come and have my judicial rights. Now that they foreclosed on the property it has been more than 60 days since judgement and they are still sending me mortgage payments and making negative reports against my credit. The foreclosure occurred in XXXX. I tried many ways to rectify this but keep getting blown off and ignored.
Product: Debt collection

REAL TIME RESOLUTIONS is civilly liable to I, the consumer, through the use of unfair, misleading, deceptive, and abusive debt collection practices for a debt not owed. These acts have caused substantial psychological harm to me and greatly inconvenienced my day-to-day affairs. Furthermore, they are in possession of my personal private information which they have openly refused to dispose of regardless of the fact they were never suppose to have my info in the first place. My right to privacy and sense of security has been severely breached and my trust in the system has been greatly impaired as a result.
Product: Debt collection

I rented a XXXX ' unit from an XXXX, CA, storage place to store science education materials for nonprofit classes. The company added an unexplained {$140.00} fee when I was moving out. I made it clear I would n't pay it without a good explanation. They provided a list of payments but there was none missed except for an alleged XXXX from a past rate increase 6 months earlier that I pointed out had arrived too late for the required 30 days ahead. They admitted in an email the rate increase was mailed out only 2 days ahead of the required 30 days. It can often take more than 3 days for mail. I documented by video they said this {$13.00} was not important but it is not clear if this is relevant. But now they 've reported this unexplained XXXX to a collection agency who claims it contacts all the major credit reference companies. I 'm not sure what to do about this " snake in the grass '' company. A few months after they bought the company about 2 years ago, they emailed me while I was out of state on vacation that my locker had been broken into and emptied, but later when I asked them to review video tapes they admitted it was a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX Under FCRA rule 611 ( 15 U.S.C. 1681I ) 1A : Reinvestigation, TransUnion never lived up to the spirit of the law, because they did not, in earnest reinvestigate the complaint. The documents ( CREDIT REPORT ) of the Result of there Investigation indicated that under the previous investigation, the account was determined to belong to me., THUS INDICATING THERE AS NO REINVESTIGATION.

Under FCRA rule 611 ( 15 U.S.C. 1681I ) 2B : TRANSUNION AS THE FURNISHER OF THE INFORMATION TO THE PUBLIC HAS NOT TO DATE GIVEN THE COMPALINENT any information IT VERIFIED AS USE IN ITS INVESTIGATION. AS IS MY RIGHT UNDER THE LAW, TRANSUNION HAS TO DATE, AND ALL DOCUMENTED DISPUTE NEVER SENT ME ANY DOCUEMENTS SHOWING MY " WET '' SIGNATURE ON ANY DOCUMENT SHOWING MY RESPONSIBILITIES, A COPY OF " ID SHOWING MY LIKENESS '', ANYITHING UNDER THE RULE OF THE LAW THAT CONSTITUTES IDENTYFING ONES PERSON AS THE RESPONSIBLE PERSON OF SAID ACCOUNT. BY LAW AS THE FURNISHER OF THE INFORMATION, I AM ENTITLED TO THE INFORMATION TRANSUNION USE TO VERIFY THIS ACCOUNT AS BELONGING TO ME. ( I HAVE NOT RECEIVED ANYTHING, NOT A BILL, FROM XXXX XXXX, NOTHING AND I MEAN NOTHING INDICATING ANYTHING, ) WHAT ARE THE DOCUMENTS USED TO VERIFY? AM I NOT ENTITLED TO SEE SOMETHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex systems is showing the wrong dates for XXXX  XXXX XXXX, it has already been over 5 years and should have been removed from my Chex system file. This erroneous information is not allowing me to open a savings account at my institution of choice. Thanks.
Product: Debt collection

At one point I had 2 credit cards with American Express, all in good standing for a long history. Due to the COVID-19 pandemic I fell behind on my debts, and was enrolled in various good faith programs offered by AMEX to offer amnesty. Once I fell further behind and was unable to maintain regular scheduled payments, both accounts fell delinquent. AMEX would call both my phone numbers on file multiple times a day, even outside the protected hours. Repeated attempts to contact anyone inside their organization goes unanswered to call centers around the world. My calls get dropped and I have all my conversations recorded on my end of what is actually being said. Supervisors are never available, and nobody takes ownership of their numerous Federal Trade Commission violations. Now they send threatening letters from attorneys demanding collection, and negative consequences associated. Currently I have a CEASE & DESIST on my file against American Express to stop them from repeatedly contacting me. Even with this, they still have attempted to contact me. They even called my father-in-law, a non-blood relative whom is NOT named anywhere on my file with them in regards to debts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX XXXXXXXX # XXXX {$980.00}, XXXX Collections Account # XXXX {$1900.00}, XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally file a grievance regarding the recent data breach that has compromised my personal information. As a consumer, I am deeply concerned about the security of my data and the potential risks that this breach poses to my financial well-being. 

It has come to my attention that a breach in your system has exposed sensitive personal details, including but not limited to my social security number, my email, my address and other personal information. The unauthorized access to this information raises serious concerns about identity theft, fraud, and the long-term impact on my credit score and financial standing.

Credit Reporting Agencies are supposed to implement strong security measures to protect consumer credit information from unauthorized access and data exposure. These companies, XXXX, XXXX and TransUnion have failed to do this. 



The following information are discrepancies that I found on all 3 credit reports : TransUnion : Names-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments on Ally Financial accounts that are inconsistent across all XXXX bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore, should not be on my credit. 

Late payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. 



XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments on XXXX XXXX  accounts that are inconsistent across all XXXX bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore should not be on my credit. 

Late payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. 

I expect immediate action to be taken in response to this incident, including the following : A description of the steps you are taking to mitigate the effects of the breach, including any measures to prevent future occurrences A request for a thorough investigation into the breach, along with notification of any third parties or organizations that may have been impacted. 

A clear timeline outlining when I can expect resolution and additional information regarding my compromised personal data. 

As a customer of Transunion, I have trusted your services to maintain the confidentiality and integrity of my personal data. Given the severity of this issue, I urge you to prioritize the resolution of this matter and ensure that I am kept informed of all developments. 

Please acknowledge receipt of this grievance and provide a prompt response outlining the actions you will take to resolve this situation. I look forward to your timely response and a resolution that safeguards my personal information moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was with XXXX XXXX and a XXXX XXXX, This was a auto pay through a XXXX XXXX bank account. I Had to cance the card because it was compromised. XXXX XXXX had the wrong contact information and turned it to XXXX XXXX company, submitted collection on XX/XX/XXXX. 
I resolved this with XXXX XXXX on XX/XX/XXXX and and I have a copy from XXXX XXXX to collection agency to remove collections. 

Hello Settlement fee of {$99.00} was obtained, service is paid through XX/XX/XXXX. 

Notice was communicated to collections department to cease collection attempt. 

Kindest regards, I also submitted the Same dispute to XXXX and it was removed emeadatly
Product: Checking or savings account

Hello. I went into the US Bank in XXXX XXXX at the End of XXXX (  Tuesday after XXXX XXXX ). My sister lost the Atm ( yes her name is on the account, but does not have her own ATM. I was so called helped By XXXX the manager of the Branch who was very loud and rude. he acccussed me of trying to pull some kind of scam. ( Yes we have lost many cards we are flakey and freak out and cancel them, we always find them after we cancel them. I went home and the XXXX number was called and they said the manager was out of line it DID NOT matter how many cards we had. they gave me the Number to to the district manager. XXXX XXXX who was on vacation according to XXXX XXXX who called me. she was Nice until she found out I was a XXXX XXXX survivor ( XXXX looked a lot like the man who attacked me, being very tall no hair and loud voice ) and I suffered from XXXX. I got 2 emails one from her and one from XXXX XXXX explaining things, never once saying why he acted like he did and cover ups and lies. I tried calling them XXXX XXXX and she never called me back or played phone tag. Then On XX/XX/2019 I got a letter saying my account will be closed ( the letter was written on XX/XX/XXXX XXXX the letter was addressed only to me and not my sister, indicating or appearing to me like they were discriminating against me because of my trauma or retaiklation because I complained and called them on their lies. XXXX and XXXX said my accounts that I reported lost were still open, then when I asked them to close them they said oh soame body already did, how can they be open and closed in minutes??? They said the assistant Manager XXXX could not help me, according to XXXX she was helping some one else, and XXXX she offered and I said no. The truth was she was coming back from lunch or something. Iasked if she could help me and XXXX said NO I am the the Bank manager and only I could help you. XXXX aslo shook her head No. It happened at the XXXX XXXX  Branch XXXX XXXX XXXX  XXXX XXXX California XXXX the people I am complaining about are. XXXX XXXX or XXXX, XXXX XXXX and XXXX XXXX and XXXX the bank amanger
Product: Credit card or prepaid card

As of today XXXX is requiring a code to apply which violates the FCRA law. 
They require a code to apply but did not require it for another individual.
Product: Credit card or prepaid card

My card was used by someone who was not me for multiple fraudulent charges by a company called XXXX or XXXX XXXX. I contacted DISCOVER card to point out the multiple fraudulent charges made over & over in different small amounts by a company I have never heard of. My card had been stolen from my car & I was unaware but DISCOVER card wouldnt resolve my claim even after I provided them a written out summary of charges I made VS. the summary of charges that I did not make that all show the name XXXX & a transaction type of merchandise. On XXXX there are multiple claims you can easily find showing that this company XXXX has fraudulently charged multiple other people in the thousands. I require assistance in resolving this issue since DISCOVER card is unwilling to further review this claim fairly & is punishing me for charges that I did not myself make or authorize in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy with no visible account number reporting on my credit that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file. It has already been removed off XXXX  but the other bureaus won't remove it.
Product: Credit reporting or other personal consumer reports

I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support inaccurate information reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. This is an invalid late payment, the FCRA allows 30 days for this to be rectified.
Product: Vehicle loan or lease

My vehicle was unrightfully repossessed in XX/XX/2023 less than 30 days after I made a payment. I was told that I had 3 months of non pay and that Ally had legal right to do so. I paid all monies due per the documentation and the verbal communication from Ally ; and the final amount was {$600.00} in excess of the repossession letter. My vehicle was released back to me a few days later. However, upon my request for the title to my vehicle, I was then told that I owed another amount of {$2900.00} as a final balance. This was never shared when in discussion to retrieve the vehicle. I specifically asked for the total balance owed to close out the account with Ally. I know this to be accurate because I was outraged that the vehicle was taken after I had just made a payment in XX/XX/2023. 

I have been calling for more than 90 days trying to dispute the amount that Ally claims is my final balance. In addition I began requesting details about the miscellaneous explanation of charges and the additional car note listed after I was told that I had no other car note owed. This is so unfortunate after 6 years and although my account was not up to date at times ; I am still a customer and I paid what was owed. I am asking for your help to right the wrongs of this company and force them to release my title.