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

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed
information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Checking or savings account

I need help!

I am a XXXX XXXX, a former roommate XXXX XXXX, XXXX XXXX convinced me to open ( 3 ) bank accounts so she could deposit counterfeit cash and write bad checks against the balances.

I would like my name within your system restored to a good status.

XXXX XXXX was able to assist me. Unfortunately your customer service was unable to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies a re Amazon, Gap, QVC, Sams club and TJ Maxx.  This is against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a violation of  US Bankruptcy code. I  was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE/NEXT STEP IS STATE ATTORNEY THIS IS RIDICULOUS!!!!! I am the one filing this dispute what are you all talking about!!!! 
I have attached the errors On XX/XX/2020 I sent in a dispute to Experian for XXXX acct XXXX informing them that the date of last activity was incorrect. Also informtin them that the comments were different for each credit bureau. They then came back to say that the information was verified, then on XX/XX/2020 asked them how they verified this account without any information provided to me as the consumer they gave no reasoning just updated as verified. I don't understand how 3 credit bureaus that is suppose to reporting the same information from the same creditors are all reporting differently, this is showing pure neglect for a consumer and inaccurracies which they refuse to follow the FCRA guidelines on accurate reporting and continue to be in violation. Then on XX/XX/2020 Experian was sent a dispute letter informing them that they have this collection account for XXXX   XXXX on my reporting showing late payments which a collection account should not show being that a collection account is by default derogatory and something needs to be done about this. Attached is showing my proof of dispute letters sent and proof of the inconsistencies and errors being reported.
Product: Credit reporting

Experianis reporting XXXX item from XXXX XXXX that do not belong to me. I have sent the documented police report to them along with the notarized affidavit of identity theft. as well as sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which requires them to block these fraudulent items. I have disputed these items many times and sent Experian letters time and time again confirming this. I have even contacted XXXX XXXX to settle this and they told me to contact Experian because they have walked away from this item. Experian have ignored this request and continue to report these fraudulent
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I hope this correspondence finds you well. I am writing to formally challenge the inaccurate reporting of my account ( XXXX XXXXXXXX ), which has been incorrectly listed as having a balance of {$1600.00}. This account was settled and paid in full approximately 4-5 months ago for the amount of {$660.00}, and I have provided substantial documentation to prove this.

Despite this, I was recently informed by a finance manager while shopping for a new vehicle that the outstanding balance remains on my credit report. Over the weekend, I verified that the account is still being reported as unpaid, which has adversely impacted my ability to secure new credit. This erroneous and outdated reporting constitutes a violation of several key consumer protection statutes under federal law. 

In particular, under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), this situation violates several provisions, including but not limited to : 15 USC 1666b : Requires creditors to promptly correct billing errors, including errors related to the amount owed.

15 USC 1681i : Obligates credit reporting agencies to investigate and rectify inaccurate information in a consumers credit report.

15 USC 1692g : Mandates that debt collectors provide consumers with written verification of debt when disputed, and cease further collection until the matter is resolved.

The reporting of this account is not only inaccurate but also inconsistent with the payment history, account balance, and all associated dates. The continued reflection of this account as delinquent is harming my credit profile, limiting my ability to access credit, and constitutes a violation of my consumer rights. 

I formally demand the immediate deletion of this account from all credit reporting agencies and the removal of any associated late fees. Furthermore, I request a thorough review of your reporting and records to ensure compliance with federal law. Failure to rectify these violations may compel me to escalate this matter through appropriate regulatory channels, as it has already caused undue harm to my creditworthiness and financial standing.

I trust this matter will be handled swiftly, in keeping with the professional relationship we have maintained, and I look forward to your prompt attention to this issue.
Product: Vehicle loan or lease

The bank has my promissory note since opening the account XX/XX/2018, the original loan amount {$39000.00}. I have never received interest from my XXXX account with the bank. Please refer to XXXX XXXX, XXXX XXXX XXXX Account, regarding security entitlement on the promissory note and credit my accounts the interest I am owed since Citizens bank is the holder of the note.
Product: Credit reporting or other personal consumer reports

I have asked all 3 credit bureaus to investigate account XXXXXXXX XXXX XXXX XXXX XXXX XXXX because I noticed multiple inaccuracies on the account also the account was paid in full XXXX XXXX. They all responded and said there was no changes needed. I asked for a re-investigation because the inaccuracies were still on the account. The disputes were completed with no change. I then created a 3rd dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. The payment history of this account has been getting updated every month even though it is charged off. The information is inaccurate, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off 1 time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly
Product: Debt collection

Good afternoon, My name is XXXX XXXX XXXX. I am writing to complain about MIDLAND CREDIT MANAGEMENT. This is not my debt and they are inaccurately reporting on my credit report as a collection. I find it completely unfair and illegal. I think they should definitely get some type of fee charged because they haven't even validated this debt with me and because of their inaccurate reporting, are stopping me from acquiring a house/car. 
Please have them fix this. Thank you.
Product: Student loan

For the past two years I have struggled to make the high payments on my Navient private loans. The amounts they are asking me to pay are unreasonable. They will not work with me at all and I have no other options. My income is not high enough yet to make these payments. I am also in XXXX XXXX and they will not give me any type of forbearance.
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized inquiries on my credit report and want them to be deleted IMMEDIATELY.

the inquires are : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX dates of my account be low or no funds to pay out that I had in bank at the time when they said there wasn't funds charging me fees
Product: Credit reporting

I have XXXX accounts that are reporting incorrectly I have disputed several times and experian refuses to investigate Account XXXX XXXX XXXX account is reporting incorrectly Account XXXX XXXX XXXX account is reporting incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has repeatedly ignored the issue of multiple complaints. See complaint IDs : XXXX XXXX XXXX XXXX XXXX The company was originally provided with all necessary information to verify that I am the account owner, but has refused to allow access to the account. In the most recent response to my complaint ( XXXX ) they did not address the issue, but told me to call them. This entire issue started when I called and spoke to them and was told they would never let me log in. Calling again is not a resolution to the complaint. 

I need to be able to log in. That is all. Please address the issue directly indicating what has been done to allow me to log in to my account.
Product: Credit reporting or other personal consumer reports

There appear to be errors on my credit report under 15 USC 1681c-2, as certain inquiries were not approved by me. Please eliminate these unauthorized hard inquiries, as they are harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE FOLLOWING COMPANIES ON THESE FOLLOWING DATES FRAUDULENT PLACED A HARD INQUIRY ON MY PERSONAL CREDIT REPORT FROM CREDIT BUREAU XXXX : ( 1 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my credit report with XXXX on XX/XX/XXXX. 
( 2 ) XXXX  ( XXXX XXXX XXXX XXXX, GA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 3 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
( 4 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 5 ) XXXX  XXXX ( XXXX XXXX  XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit from XXXX on XX/XX/XXXX, XX/XX/XXXX. 
( 6 ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) requested a fraudulent hard inquiry on my personal credit from XXXX on XX/XX/XXXX, XX/XX/XXXX, XXXX ( 7 ) XXXX  XXXX NA ( XXXX XXXX  XXXX XXXX US XXXX XXXX XXXX VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX XXXX XX/XX/XXXX. 
( 8 ) XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, IN XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 


IN ADDITION, EQUIFAX CONSUMER INFORMATION SERVICES WON'T REMOVE THE FOLLOWING FRAUDULENT HARD INQUIRIES FROM MY PERSONAL CREDIT REPORT : ( 1 ) XXXX ( XXXX, XXXX XXXX XXXX XXXX. XXXX, FL XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 4 ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 5 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 6 ) XXXX XXXX XXXX  ( XXXX 'S XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 7 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

This is a horrible company and even after a put a stopped payment with my bank from them going in my account, they still keep calling me and harassing me even calling my job. I think this company is a scam and they should be reported
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : Bankruptcy. XXXX  XXXX Bankruptcy XXXX Account name : XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 
Please see attached. 

XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Product: Bank account or service

I paid off my car loan five months ago. I have asked 3 times for a lien release. I traded my car to a local dealer who is threatening to repossess my new car because i can not provide them a copy of the title or a lien release on my old car. Each time i call Commerce Bank they tell me that they will process my request and mail it out to me. I called them again today and told them that i need this done today. They refused to accommodate my request and said it would take XXXX to 10 more business days to process the lien release.
Product: Checking or savings account

Bank of america locked my debit card after i deposited some money into my account and attempted to withdraw some money at the SAME atm i always use this would be no issue normally but they are now telling me on the phone i have to step into a branch to remove the block? ive never had to do this when ive had this issue before. 

There is simply no bank of america branch  near me, this is almost impossible to do to remove this lock on my debit card : / ... ive verified myself no problem on the phone but they still say i have to come in a branch and im telling them i cant because i just dont have access to a bank near me ( XXXX  )
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not FIX these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$870.00}
Product: Prepaid card

Back in XXXX while I was XXXX someone robbed and stole all my information.my birth certificate, social, ID, DEBIT AND CREDIT CARDS were gone and utilized. 
The fraudsters Utilized them to the max.took about XXXX out of my unemployment card in XXXX, XXXXthe fraudsters opened up line of credits and credit cards, used my debit cards and changed information, took out student loans through and online college and more.i was XXXX from XXXX to XXXX.i pressed charges on XXXX XXXX that stayed at XXXX XXXXXXXX XXXX as soon as I found out as i got released.i opened claims up with bank of america prepaid.claim numbers XXXXthis has been handled legally and It isn't being handled by THE BANK!!! this guy got sentenced to prison using my information.i don't understand why i don't have my money back this is pathetic. I have my -FTC REPORT -IDENTITY THEFT POLICE REPORT -FTC DISPUTE LETTER -XXXX  RELEASE PAPERS ( XXXX XXXX ) - COURT DOCUMENTCASE INFORMATION ABOUT MY STOLEN IDENTITY I don't know what else to do after this beside go to small court claims if this doesn't work out.i have my evidence and proof that I wasnt liable for this fraud and I was XXXX
Product: Mortgage

Mr Cooper, without my authorization, withdrew {$1900.00} from my checking account on Monday, XX/XX/XXXX. Then four unsuccessful attempts on that same day, causing NSF fees toatally {$140.00}. Then Thursday, XX/XX/XXXX, it happended again. {$1900.00} unauthorized withdrawl and four NSF fees ( {$140.00} ).

Monday transactions were refunded back to me, end of business that same day. Thursday 's transaction have not been refunded back to me. I have called Mr. Cooper and escalated the issue. I am still waiting to have my money returned to me. My checking acount now has a negative balance. Mr Cooper needs to be held accountable for these unauthorized transactions.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX i have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX XXXX, XXXX to account of XXXX XXXX opened with XXXX XXXX XXXX with value date XX/XX/XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. 
On XX/XX/XXXX XXXX was designated under the Executive Order 14024.Considering this<my payment was blocked by intermediary bank. 
On XX/XX/XXXX i applied to OFAC for a license to unblock my funds. 
On XX/XX/XXXX i have received license XXXX authorising J.P.MORGAN CHASE Bank to process the transfer in accordance with original payment instructions on XX/XX/XXXX i tried to contact J.P.Morgan Chase Bank via XXXX from XXXX informing them on the fact of the a.m. license and asking them to process the payment. 
Still, JP Morgan Chase has not responded. Thus, my son XXXX XXXX can not receive money even having license authorizing it
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 Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX  Account name : XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXXXXXX XXXX  Account name : XXXX XXXX Account Number XXXX Account name : XXXX Account number : XXXX, 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 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

Capital One submitted an incorrect XXXX form for my account number ending in XXXX ; it shows TIN number ending in XXXX when the correct TIN number ends in XXXX. I have spent at least XXXX hours on the phone trying to get this corrected and NOTHING HAPPENS. this morning I was on the phone over an hour and they just sent me another incorrect form.