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

I was also wondering if you were familiar with something called The Fair Credit Reporting Act ( FCRA ) I have a right to the fair and accurate reporting of your credit information, also entitled to certain privacy rights concerning my credit information and protection from the misuse your credit data. 
of I am writing to dispute the accuracy of the information that TransUnion LLC has reported on my credit report. 
I have repeatedly requested that a 605 block be placed on my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ) due to identity theft, but TransUnion has failed to comply with my request, This is a violation of FCRA procedures, As a victim of identity theft, I have sent my documents multiple times to TransUnion to fix my credit report, but to no avail. Furthermore, I believe that TransUnion has violated the FCRA by failing to properly investigate and correct errors on my credit report, which was also found in the case of Sergio Ramirez v. TransUnion, LLC ( 2019 ).

Due to TransUnion 's failure to comply with the FCRA, I have been denied credit and even employment, which is an adverse action under 15 US Code 1681a section 603 ( k ) ( b ) ( i ). As required by Section 605b ( a ) ( 2 ) of the FCRA, TransUnion is required to remove any accounts that were opened without my knowledge, consent, or authority, and under Section 1681c-2 ( a ), TransUnion must block any information in the file that resulted from identity theft. I have provided documents that prove the identity theft and have identified the information that needs to be blocked.

Therefore, I respectfully request that TransUnion properly investigate and correct the errors on my credit report, block the information related to identity theft, and provide me with a free copy of my credit report, as required by the FCRA. If TransUnion is unable to complete my request, I request that the accounts be updated to reflect the correct amount, date, status, open and closed date, last date of activity, and time, or deleted immediately, have provided an exhibit of evidence showing the inaccuracies of my reports, Please investigate every piece of information and remove these items below from my credit report. 
XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a loan from Mariner Finance 3 months ago approximately {$5000.00} with a promise to Pay interest up to {$7000.00} extra. I had no problem wit this because I planned to Pay the principal balance off before in 3 2mths which would be way before my end date. After my XX/XX/XXXX Payment I was told my Pay off balance was {$5500.00}. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. Now that it is XX/XX/XXXX I payed my bill of {$230.00}. I was told my payoff balance is XXXX. I am not a finance major but I know from previous experiences with purchasing that my Pay off balance should not go up. I don't know what Mariner Finance is  doing with my account. I NEED SOMEONE TO LOOK INTO FRAUD IT EXTRA CHARGES TO MY ACCOUNT PLEASE.
Product: Vehicle loan or lease

XX/XX/XXXX I Got A Car Loan Through Credit acceptance My Interest rate was high at 22.99 % even with a cosigner I Was Paying On A XXXX Loan For a Used XXXX XXXX XXXX Which Back Then Was Only a XXXX Car That I Was Paying XXXX a month For.. My Car Was Totaled And My Insurance Company Sent Them a Check For What The Car Was Worth Which To Them it was only worth {$10000.00} and they end up hitting my credit for the remainder I end up settling out with credit acceptance Ive had the worst experience with them and I feel as though they shouldnt get away with over charger people making it impossible to even pay your loan back
Product: Credit card

My account with Bed Bath & Beyond thru Comenity Bank was closed XX/XX/XXXX I received a partial refund on late payments and interest and they also removed XXXX, XXXX and XXXX of XXXX from delinquencies on my credit report. 

They did not remove the delinquencies from my credit report for XXXX and XX/XX/XXXX as requested. In their response letter they stated : " Weve reviewed the relevant telephone calls. We found an instance where your concerns were not addressed. Please accept our apology. Were committed to providing the best customer service and are disappointed when this standard isnt met. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not responded to my disputes and has not responded to any of my disputes. The last dispute was sent on XX/XX/2020 and delivered to XX/XX/2020. They have yet to respond or investigate properly.
Product: Student loan

I have hired an attorney to try to resolve my student loan matter and get me on a payment plan. 
I was dealing with XXXX XXXX at Professional Bureau of Collections of Maryland Incorporated. I  have repeatedly tried to submit my pay stubs and the requested documents. The collection company does not call me back and has not processed my request to get onto a payment plan. I have been trying to repay this loan since XX/XX/2018. The collection company just intercepted my tax return and continues to NOT call me back to deal with the balance of my account. Meanwhile my interest and penalties continue to accrue. Professional Bureau of Collections of Maryland is purposely NOT communicating with me so the fees and interest go up. I am unclear what I can do at this stage. I would like a balance owed and I would like to pay it.
Product: Credit reporting or other personal consumer reports

Concerning American Honda Finance XXXX. 

Hx : I purchased a XXXX XXXX XXXX in XXXX. I traded the XXXX in for a XXXX XXXX XXXX in XX/XX/XXXX. I realized some months later that American Honda Finance did not report my year of good payment history to any of the credit bureaus. I called and they stated it was a glitch in the system and they could not fix it because the account was archived. I did not accept that answer because I could still see all of my payment history on my XXXX account. I filed a complaint with the XXXX and XXXX weeks later they reported my year of good payment history to all three credit bureaus. 

Fast forward to XX/XX/XXXX, I traded my XXXX XXXX XXXX in at XXXX. XXXX reported that XXXX had not reported any payment regarding XXXX account. I had a good payment history for almost XXXX  years, I never missed a payment. I called American Honda Finance XXXX month later after my XXXX purchase and they told me it could take up to 30 days to close the account but once it was fully closed, they would report to the credit bureaus. I called back XXXX of XXXX because it was still not showing on any credit report. They stated yet again that it was another glitch in the system and that it would have to be manually pulled over and I was assured it would be taken care of. XXXX months later, it was not taken care of so I called again. The representative assured me that it would be taken care of and that she would call me back to verify. I waited almost 2 months because I know it can take up to 30 days to fix those issues, and the representative this time told me that the previous XXXX XXXX did not do their job and that he would take care of it. The only problem this time, is that the account was now archived so it would take more work to report it. He assured me there would be no problem. It is now XXXX of XXXX and they have not done their job. I would like the XXXX years of good payment history reported to my credit report. I paid {$820.00} for nearly 4 years. I am unsure why Honda Finance is not reporting credit history to the credit bureaus when they said that is part of their loan closing process. This is the second instance with the same excuse except this one did not get resolved. The XXXX  would not let me report again because they said the issue was similar, so I am escalating in an attempt to get this resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX - XX/XX/year> 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: Checking or savings account

Wells Fargo is using system manipulation to intentionally cause overdrafts. In XXXX XXXX I paid my XXXX bill. The payment was deducted the same day ( SHOWED DEDUCTED ALL DAY ). 
W.F. claims nothing was drafted ever until the payment magically appeared 3 - 4 days later. I sent 3 requests for explanation with random response. Finally believing it was a 1 time issue. I let it go. 
Well, yesterday XXXX XXXX XXXX, I paid my bill again and it showed it was deducted and I continued to pay my other bills. This morning to my suprise I had additional money in my account and double checked and sure enough Wells Fargo is claiming I did not make paymemt and NO PAYMENT was EVER drafted. The rep claims he was not calling me a lyer. 
BUT TWICE, I paid my bill, but really did not, and W.F. does not have any record of this mystical draft. 
I nearly over drafted my account. 

The rep told me I should track my money better and it 's not their problem. 

How is it that I am supposed to trust a financial institution to handle my money when they can not even explain to me why a vendor was allowed to draft an invisible payment and not show any trace.
Product: Mortgage

I have a 30-year VA-guaranteed mortgage loan with fixed payments of $ XXXX with lender Navy Federal Credit Union ( NFCU ) since XXXX XXXX. 

Around the last week of XXXX, I received a letter from NFCU stating that beginning XXXX my monthly payment would increase to $ XXXX ( {$670.00} total escrow increase for XXXX ), the reason for increase unclear. Also stated, I had until XX/XX/XXXX to pay the entire amount as an option to keep my payment from increasing. On XX/XX/XXXX, I mailed the full escrow increase payment to avoid the increase-see attached copy. 

On XX/XX/XXXX I checked my mortgage to insure my monthly payment was still as originally agreed, but instead I saw it was increased to the new higher monthly payment. I immediately called NFCU at XXXX and spoke with XXXX. After explaining the above, she just stated repeatedly that even with the full {$670.00} payment I still owed additional money, but couldnt provide a single logical reason for her absurd statement. I unequivocally asked to get everything explained in writing, but they have refused.
Product: Debt collection

These people have reported a debt that is past the statute of limitations in Indiana. They reported this to the credit bureau as a new debt. Since when I look at the credit bureau it does not state this debt is from 2014 and past the statute of limitations for debt collection. Now they are trying to collect. Now my credit rating has gone down because of their debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ACCOUNTS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my file. 
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

Transunion reported that XXXX pulled my credit back in XXXX. I did not apply for any credit with this company or give authorization to pull my credit. This was fraudulent activity which I promptly reported and requested deletion. To my surprise when I receive my credit report I see that XXXX inquiry and 3rd party information on my credit report. I want this fraudulent inquiry removed as well as supplemental 3rd party information removed. I also want to know how they got my SS # and information and where it come from. I want the written documentation it came from, digital files, or temples sources to file police reports and send to FTC. The email address the was previously provided is obviously not mine and a fake address. I demand all information related to this inquiry. I don't have accounts with XXXX which has already been verified and they where told to delete the fraudulent information off my report in a letter received. XXXX and XXXX  should both be fined for there practices and fraudulent activity. Additional supporting documentation has been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The School, XXXX XXXX Financial Aid Office, knew I had a complaint through studentaid.gov ombudsman and OCR. They did not want to give me my aid so they ignored my priority enrollment status and enrolled me in a late session, then they switched my classes without my permission to late courses that were bogus in nature. Then they submitted paperwork to XXXX and The Ombudsman that stated they gave me my aid when they were lying to them in the paperwork. They closed the cases and the SAME day they then reduced the loan after they claimed it was given to me, then did a 2nd credit check that was completely illegal to lower my score by 24 points in an attempt to deny me the loan, then claimed they were then giving it back after I reopened the case the next day. I still have not received the {$3000.00}. I received and approval and DISCLOSURE for. They did a fraudulent credit check that ruined my XXXXredit score. 

Experian did not report that XXXX did this to my credit when they did. They sent me a message saying I had a new score but refused to tell me WHO did it cause it was fraud on behalf of the school. I reached out them and asked them to fix my score and have not heard anything. Experian knew inquiries were supposed to fall off my report this month thereby increasing my score, regent illegally inquired about my score after already doing it this year and Experian did not report their fraud and lowered my score illegally and discriminately and never gave me my points for the other inquires that fell off this month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a prior dispute, XXXX  removed all of the following accounts because of false misrepresentations. However, XXXX only decided to remove one of the following accounts although both agencies were submitted the exact same information regarding the Capital One accounts. For whatever reason, XXXX cannot find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. Capital One Accounts in Dispute:XXXX - $XXXX (Deleted by XXXX)XXXX - $XXXX (Deleted by XXXX)XXXX - $XXXX (Deleted by XXXX); (Deleted by XXXX)XXXX  Credit Dispute Results (Regarding Capital One):Account # − XXXX* The results are: We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *CHARGE OFF AMOUNT *ADDITIONAL INFORMATION *ACCOUNT HISTORY. Account # − XXXX* The results are: We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *ACCOUNT HISTORY. Account # − XXXX* The results are: This item has been deleted from the credit file.
Product: Bank account or service

On XXXX XXXX an employee of ours forged my name on a company check and cashed it for {$2000.00}. After an audit of the account in XXXX this fraudulent check was found. I went to the police and they obtained pictures of her cashing the check, the cancelled checked. I pressed charges against her, she admitted to signing and cashing it and she was arrested and charged accordingly. We filled out a Domestic Collections Fraud Packet Information with 5th/3rd Bank on XXXX XXXX. 2016, and submitted it to the Bank. After countless phone calls and transfers to different departments to check on the status of the Forgery/Fraud Instrument Affidavit we were advised it could take up to 45 days before review and refund of our money. Today we received a letter from the Dispute Resolutions Manager at 5th/3rd Bank, that our claim for Check Fraud had been declined due to " past time frame to dispute ''. It was less than 4 months before we found the forged check. I do feel this is adequate time in which to gather information and proof of this crime. The is a business account and is very active. The 5th/3rd Account is a secondary account and was not immediately looked into for forgeries. We feel that only giving 30 days to file the Forgery/Fraud Claim is not sufficient time for a crime taking place at a business, After all, it takes 5th/3rd Bank 45 days to come to a decision on this claim.
Product: Credit card

Disputed charge for concert tickets in XXXX- took several months before charge was reversed - letter was sent confirming this, so this is not in dispute any longer, though this was more work than it should have been. In the meantime, interest was accrued and late charges were applied for XXXX, XXXX, XXXX. Called every month and were assured that interest and charges would be reversed, but to-date statements continue to be sent with increasing balances and a collection agency has now started to call. This is distressing for consumers in their XXXX and beginning to affect their health when clearly they did not buy concert tickets in a foreign country. One agent tried to state they would waive the interest and late fees as a courtesy, when it is a regulatory requirement, not something that should be done in courtesy. 

Interest and late charges need to be reversed, and the Sears/CitiBank credit card closed XXXX it has not been used- the only charge was verified as fraud and reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following items from my credit file : Incorrect Personal Information : Name : XXXX ( Equifax ) Address : XXXX XXXX Av ( XXXX & XXXX  ) Address : XXXX XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX Please remove the inaccurrate late Reportings on the following accounts : XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$8.00} ; I was never late. 
XXXX XXXX XXXX  - Date Open : XX/XX/XXXX Bal : {$15.00} ; I was never late. 
XXXX  - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 
XXXX - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXXXXXX Equifax Mortgage Service Equifax Mtg XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Service Equifax Mtg
Product: Debt collection

I am attempting to pay off the debts I have that are negative marks on my credit. In looking at a medical bill collection I noticed that under XXXX my medical debt is listed under Syndicated Offices for XXXX $ but it 's listed on XXXX under Central Financial Control for the same XXXX XXXX I never received any collection notifications in the mail or by phone call from either of these collection agencies. How do I know that these companies are one in the same? Why are they listed as two different businesses? How do I know that offices in California have a right to collect for North Carolina? <P/>I did research and it said that they had to provide over XXXX $ XXXX to people in California. It just seems very odd to me and I want to make sure this debt is actually mine and not some type of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.