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

From : To : XXXX XXXX XXXX Transunion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the year XXXX of our XXXX and XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Blessings to you, I am writing today to formally dispute inaccurate and misleading information on my Transunion credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. Despite previous disputes, Transunion has failed to correct or remove the information listed below. 
Disputed Information : Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SHOULD BE OPEN AND NOT CLOSED ) Hard Inquiry : Unauthorized inquiry from XXXX XXXX XXXXXX/XX/XXXX and unauthorized inquiry from XXXX ( listed twice ) XX/XX/XXXX and XX/XX/XXXX Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, Transunion is legally obligated to ensure the maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Transunion must also delete or correct information that is inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

There have been numerous lawsuits filed against Transunion for repeatedly violating these obligations by : Failing to conduct reasonable re-investigations into consumer disputes.

Over-relying on furnishers responses without verifying accuracy. 
Not providing consumers with clear and accurate dispute results. 
I am experiencing the same failures in Transunions dispute process, which directly violates the FCRA. 
Furthermore, due to the inaccurate reporting of negative accounts that were later deleted due to them being inaccurate. The deletion of itself is evidence that the information was incorrect but it does not erase the emotional distress I suffered while the inaccurate data was on my consumer report. I believe that Transunions actions have caused me damages, including punitive damages, statutory damages, actual damages, reputational harm, emotional distress, and XXXX and I request compensation for these losses. 
Corrective Action : Immediate correction or deletion of these inaccurate accounts and personal information. 
Written confirmation that these corrections have been made within 30 days. 
Removal of the unauthorized hard inquiry that lacks permissible purpose. 
Enclosures : Copies of aforementioned deletions. 
If these inaccuracies are not corrected within 30 days of receipt of this notice, I reserve the right to pursue further action, including litigation, if this matter is not resolved to my satisfaction. 
Please provide written confirmation of receipt of this letter and your intended actions. I can be contacted at XXXX or at the address listed above for any additional information. 
Thank you for your prompt attention to this matter. 
Sincerely in equity and good faith, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX public student loans that transferred from Nelnet to XXXX in XX/XX/XXXX. The total amount of these loans is {$180000.00}. I reviewed my credit report after being rejected from refinancing private loans I hold and discovered that the Nelnet loans that were paid out and transferred to XXXX were listed as open. Due to this error, my credit report incorrectly shows I have an additional {$180000.00} in debt. 

I contacted both Nelnet and XXXX to try to remedy the issue. First, I contacted Nelnet through their online portal but was told that there was no issue with their reporting. I had not included my credit report because their online reporting function does not provide the option. To remedy this I sent, through certified mail, a copy of my credit report which showed the XXXX loans as open, the payout statement from Nelnet, and a statement from Nelnet stating my loans would be transferred to XXXX. This file was sent on XX/XX/XXXX and I received the confirmation of receipt by Nelnet on XX/XX/XXXX. I have not received a response from Nelnet on this issue as of XX/XX/XXXX. My credit report currently lists these Nelnet loans as open and the report shows the last update from Nelnet is XX/XX/XXXX. 

I sent XXXX the same information as well. I received a response that there are no issues with the active status and as such my credit report still lists the Nelnet loans as active and shows that I have an additional {$180000.00} in debt that is just my federal student loans duplicated. 

I believe that this inaccurate reporting XXXX have impacted my ability to refinance private student loans. 

I have attached the information sent to both companies.
Product: Credit reporting or other personal consumer reports

My student loans have been paid through the XXXX  by the IRS department. My last payments, for the load in question, were paid in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a letter from the Department of Education and IRS stating that the paid was received and my loan has been completely satisfied. No additional actions or payments were needed. 
Also, the account is more than 20 years old, and a new company obtained it in XXXX. Therefore it should be remove because it is over a decade of trying to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I requested copies of my credit reports due to XXXX breeches- there were several accounts listed I had no knowledge of. I disputed each unknown account to each of the credit reporting agencies and all of the accounts were removed, with the exception of a XXXX account on my Experian report. I have subsequently disputed the Petal account with Experian on numerous occasions and have requested investigations into the method Experian used in determining if the debt was valid. Experian/XXXX   have neglected to provide me with an original signed application that was used to open the account nor have either of them provided any itemized billing statements detailing the charges supposedly on the XXXX account. The only information I have been able to obtain is the partial account number listed on the Experian report. Due to Experian 's negligence, I have suffered account limit reductions on legitimate credit accounts, denial of new credit/loan and overall drastic drop of credit score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

5. 15 US-CODE 1692E FALSE OR MISLEA
DING REPESENTATIONS-10 XXXXAN Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX IN Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX  XXXX XXXX Account Number : XXXX Delete this account.

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 RXXXX  Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This concerns an issue that is showing up on my Experian credit report only. There is a paid account in the amount of {$150.00} from a company called XXXX XXXX. The original creditor is XXXX XXXX XXXX My wife called XXXX XXXX on XXXX to have the collection removed since it was paid, it took the young lady over an hour to find any record of the account. When she finally found it, she made all the arrangements to have it removed. now, nearly 2 months later, it is still on Experian. She has called at least 6 times to XXXX  since then and talked to less than a dozen people, including supervisors. Not a one of them can find any record of our account, however, they refuse to call XXXX XXXX  to have it removed. She has called XXXX several times and they will not remove it from the credit report without XXXX approval . We even went to the local XXXX store, as one of their phone reps recommended. The young man who waited on us was very helpful, he called XXXX and explained everything. The woman on the phone asked to speak to me and after explaining everything, she claimed she was unable to remove anything from the credit report and gave us an email to contact. We contacted them but have heard nothing in return. .We finally filed a dispute with the credit bureau XXXX unfortunately that can take up to 30 days. I don't recommend anyone use XXXX, they can not find the account but refuse to do anything to remedy this situation.
Product: Credit reporting or other personal consumer reports

My sons were born in XXXX. We were XXXX  and our information was stolen. XXXX of my XXXX isnt able to be registered as a XXXX citizen under my name because they stolen him from the hospital. However, the XXXX child I was able to register is XXXX XXXX XXXX. I started a company and everything for him and his brothers. A man going under my missing brother XXXX XXXX XXXX and his associates are using my sons information to get businesses and property. They do actual XXXX XXXX to the XXXX XXXX and our families. My brother went missing at XXXX XXXX XXXX and these people have come back and snatched my other son. XXXX XXXX XXXX XXXX is his business not for example the XXXX XXXX XXXX! He isnt old enough to rent any or pay anyones bills!
Product: Mortgage

Date of credit reports : XX/XX/2022 Date of denial : XX/XX/2022 Amount of Loan : XXXX XXXX Navy Federal Credit Union denied my home loan application based on race, religion, and /or national origin. They claimed to have made that decision based on credit reports. However, I have contacted all three ( XXXX, XXXX, and XXXX ) credit agencies and obtained credit reports. None of them have any factors that adversely affect my application. Loan underwriter and/ or credit report reviewer folks in Navy Federal Credit Union had just made stuff up. I have contacted NFCU multiple times, and they take my information each time and do not do anything about it.
Product: Mortgage

I am currently experiencing payment problems with LoanDepot. This company is servicing my mortgage. I have been using my BillPay service at the credit union to pay the loan since XXXX 2015. Everything was fine until XXXX 2015. Starting with the XXXX payment LoanDepot has been rejecting the payments and sending me notifications in the XXXX Mail that my loan is on the brink of foreclosure. My BillPay service does n't understand what is going on either. They are not getting any information from LoanDepot.
Product: Credit card or prepaid card

XXXX XXXX  appears to be a fraudulent company doing business via Square ( XXXX XXXX XXXX XXXX CA ). I have received multiple ( XXXX ) recurring payments to my credit card for a bogus subscription I did not authorize and have not been in receipt of services. I have disputed charges and been reissued new account numbers/credit cards XXXX times by my financial institution ; however, XXXXXXXX XXXX continues to assess charges to my account. I contacted Square directly and they declined to open a claim/investigate the company. I have searched for details regarding XXXX XXXX and no company details can be found on the internet. The address on the square receipt is a home address, according to XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX The most recent fraudulent transactions are as follows : ( XXXX ) XXXX XXXX XXXX XXXX$120.00} XX/XX/2021 at XXXX PM # XXXX XXXX code : XXXX ( XXXX ) XXXX XXXX XXXX {$120.00} XX/XX/2021 at XXXX PM # XXXX Auth code : XXXX Please investigate and advise of the outcome.
Product: Credit card or prepaid card

The Chase Slate card and the Chase Saphire card in the middle of the Cobid -19 crisis without ever having had a late payment and with low use of the card and without having used it in the middle of the pandemic crisis. They have decided to lower my line of credit. The Slate card with a line of credit of {$6800.00} and only having spent {$2200.00} lowered the credit to {$2600.00} and the Saffire card of {$6000.00} with an expense of {$3900.00} under & XXXX. I think that in this moment of crisis the credit cards are abusing the client because this affects my credit score. I live in Florida, I am still in mandatory quarantine and they have acted abusively and disrespectfully towards me as a client.
Product: Debt collection

Hello. 
I got the paper that I have debt. 
It says I have {$150.00} debt from XXXX XXXX XXXX by XXXX. 
I've been the XXXX XXXX XXXX, for XXXX test. But the test was free. There was noting to pay. I don't understand why I have debt from them. 
Please check it. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number 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

- On XX/XX/2023, Chase bank put my account under a legal hold and overdrew my account by {$99.00} XXXX. Calls to their customer support redirected me to their Court Orders and Levies team - From XX/XX/XXXX till XX/XX/XXXX I made several calls to the Court Orders and Levies team but was either given rude replies " Nature of this hold does not allow us to share information '' or was told that they do not have information and can not share 'Proprietary Chase Bank procedures ' with me. 
- On XX/XX/XXXX I visited Chase branch at XXXX XXXX TX XXXX and requested for help from the customer support executive. He called the same Court Orders and Levies team and was given the same answer - On XX/XX/XXXX I emailed another Chase bank Account Rep who had opened my account at Chase in XX/XX/XXXX with a request to help Urgently. He was directed to the same Court Orders and Levies team with same answer " We do not have any information for you on this hold ''. 
- I have consistently asked Chase to provide details on why this hold is valid since it has stopped my business completely and I can not use my account to make payments to my suppliers. All my current funds destined to suppliers have been held back resulting in collection letters/ emails from them.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally request that Bank of America update my credit report to reflect that a payment has been made on my account. Below are the details of the payment and account : XXXX XXXX Number : XXXX Money Order Tracking Number : XXXX - XX/XX/year> I no longer wish to have the account deleted. Instead, I will continue to make payments until the account is paid in full. I request that Bank of America updates all credit bureaus ( XXXX, XXXX, and XXXX ) to reflect that a payment has been received whenever I send them in. 

I appreciate your assistance in ensuring that my credit report accurately reflects my payment activity. Please confirm receipt of all payments, and provide written confirmation that the payment has been acknowledged and reported to the credit bureaus. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX, and Equifax informing them that charge offs are considered income and should be removed off of my consumer report immediately and permanently.
Product: Credit reporting or other personal consumer reports

I have contacted EdFinancial on multiple occasions since XX/XX/XXXX. XXXX and XXXX failed to report an accurate delinquency on my credit report. I am on a verge of losing earnest money on a home, and a home I am currently under contract for. I tried filing a dispute with XXXX, XXXX XXXX, and XXXX. I have been doing everything in my power to get my credit report fixed and up to date with inquiries that are hurting not only my credit but my home, family and career. I have been a student with XXXX XXXX XXXX XXXX, a credited school since XX/XX/XXXX. I have a signed in-school deferment letter signed by an official and have gotten nowhere. I please ask to get these 8 delinquency reports REMOVED from my credit report please. I have not been late on any payments, I have been a mother, public service employee and a student throughout this period and currently in the process of being a homeowner. I request that this inaccurate report be REMOVED completely since I did not fail to make any paymnents.
Product: Checking or savings account

Hello, I opened a claim for {$610.00} on XX/XX/XXXX and received a letter from the bank on XX/XX/XXXX saying that they are unable to pay. The reason why I opened the claim is that I lost my debit card with my password on the back and I immediately claimed dispute for the amount charged. However, I'm devastated because the bank refused to approve it.
Product: Debt collection

Company has called me several times pretending to be attorneys aggressively and abusively telling me they will be taking me to court and telling me I operate a dishonest business and I will be " punished ''
Product: Credit reporting or other personal consumer reports

United Funding logics promised a life time of disputes and monthly updates Paid XXXX plus 30 a month for credit monitoring haven't seen or heard anything since XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in credit report. Despite my submissions equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. 
These are the accounts XXXX XXXX bank Go credit me XXXX cash
Product: Money transfer, virtual currency, or money service

I was trying to purchase concert tickets from a friend and they asked that I send them money through Zelle, I accidentally sent it to someone else who had the same name and there wasnt any sort of verification to confirm it was the right person and I wasnt able to get the money back once sent.
Product: Checking or savings account

Unfortunately, I am not sure that I have all the right information as this dates back many years and I have only just figured out the issue. 

I opened up a XXXX XXXX Account with XXXX XXXX  on XXXX XXXX. At the time, XXXX XXXX was offering the highest percent interest. I established XXXX savings accounts with them. In XXXX, Capital One completed their acquisition of IXXXX XXXXt and so my savings accounts moved to Capital One. Both of my accounts were transferred over and everything seemed to be aligned, so I did not look in to more details. 

Just recently, in XXXX, I looked in to the details of each of my accounts and found that the interest rate was shockingly low - 0.30 %. Capital One had consistently been marketing interest rates much higher, minimally over 3.5 % and at some points up to 4.25 or 4.5 %. I called Capital One. They informed me that my accounts were XXXX Savings and that the XXXX was XXXX XXXX Savings and then offered to change my accounts so that they were in the Performance Savings category. I had to give verbal agreement to their disclaimer and this was all completed on XX/XX/XXXX. My monthly interest on XXXX account went from $ XXXX to {$710.00}!!! So, now I realize that I've been missing out on the higher interest for 12 years. When Capital One acquired XXXX XXXX, they made a choice to move those accounts in to a savings account with a different interest rate average and purpose ( i.e. not XXXX ) and they were deceptive in doing this given that they did not provide any notice to their clients nor give any sort of option to choose one or the other. I didn't natively go to Capital One and research accounts because I became their client through an acquisition. Unfortunately, I guess I was young and naive and believed that my account was still under the same terms, just with a new owner. I am older and slightly wiser and realize instead that they just capitalized on the fact that not everyone logs in regularly and clicks in XXXX layers to get at the details and confirm the interest rate they were " sold '' is actually what they are getting. However, I have unknowingly lost out on thousands of dollars in interest while staying as a client with Capital One because of their duplicitous behaviors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months, I have submitted several disputes with Experian with satisfaction letters attached for the debts from the debtors. Each time, it seems the satisfaction letters are not properly considered and the debt remains outstanding with an erroneous balance until the debtor sends their updates to Experian. This unfairly leaves my credit reporting for that debt incorrect for two additional months after the debt has been paid/settled with the debtor. I submit that this practice is both unfair and damaging for those involved in the already arduous task of repairing their credit. I, also still have another account which shows a XXXX  balance, but shows the debt with the incorrect status. I've opened several disputes regarding this to no avail. The affected accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

The information displayed in my credit report is inaccurate, therefore it must be deleted per the FCRA. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

*Please note that the bureaus did not reply to my dispute letter.