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

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding persistent inaccuracies in my credit report maintained by Transunion. 

Specifically, the phone number listed on my credit report is outdated and incorrect, which has caused difficulty resolving identity verification issues with potential credit lenders The phone number currently listed on my credit report is XXXX ( incorrect phone number ). 

My correct, current phone number is XXXX ( correct phone number ) Under **15 U.S.C. 1681e ( b ) **, credit bureaus must follow " reasonable procedures to assure maximum possible accuracy '' of consumer report information. An outdated phone number violates this requirement, as it prevents lenders and other authorized parties from contacting me to verify or resolve credit-related matters.
Product: Credit card

Applied for a Macy 's account in store. The representative assisted me with applying for there Macy 's XXXX. Got a receipt showing that it was approved for {$600.00}. 

When I called in to discuss the credit line ( which was substantially lower than any other card I have ) I was actually only approved for the store card, and someone can not get approved for a Macy 's amex before they open the Macy 's store card and that my application was not submitted for the Amex. They did offer to apply for the Amex over the phone, but that it would be a separate account. 

I feel like this is deceptive marketing tactic. One should not be required to open a store card in order to get a co-branded card. I also feel as its deceptive to print out at the register a receipt that says you approved for something you applied for when its a different product with out informing the customer or it reflecting on the receipt that a different product was opened than what was originally applied for. 

I also do not like the fact that the credit line can not be re-assessed by anyone manually. I was told it 's all done systemically, and based on debt to income ratio 's. my next lowest credit line is {$4500.00}, {$600.00} is just simply to low of a credit line for me to carry in my wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed copies of the inquiries on my credit report asking to remove them. Someone is using my social security number. The credit bureau will not remove them. They put it back to me saying I'm responsible. I have been calling the credit bureau for 6 weeks, every other day. It's been longer than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ], I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA. 
Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted   XXXX   and provided documentation of the undeliverable mail to them which they signed for   XX/XX/17    . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my   XX/XX/17   report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated   XX/XX/17  fr om  XXXX  due to my phone call and all of the old incorrect information is back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IHAVE MUTIPLE I NQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT TRANSUNION,  XXXX ,  XXXX  FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following inquiries. Block and remove them. 
XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Purchased a card and loaded it with {$500.00}. Was never able to access funds I loaded when I purchased the card. I was told my identity couldnt be verified even after I provided all information and documentation requested. Netspend advertises that you can use the card immediately following purchase.
Product: Vehicle loan or lease

Terrible experience. I bought a XXXX XXXX XXXX XXXX XXXX. It died within three days of receiving it. I gave Carvana the benefit of the doubt and swapped it for the same model and year at the same price but with XXXX more miles. I was notified day of delivery that the second car had a damaged moonroof headliner which was not shown nor disclosed in the online photos or description. The delivery driver said they would write a ticket for it to be fixed through their warranty program. The replacement car showed the same symptoms as the first one " Service Required '' " Low Battery '' within 24 hours and died in my garage within three days. I called requesting a solution. Their solution was to take it to their warranty partners to get it fixed or swap it one more time. BUT if there were any issues with the second swap, then I would be stuck with the car and have to go through their warranty program for repairs. When I did more research, the first car they delivered to me arrived to them dead. Carvana took the car to XXXX XXXX for diagnostics and repair. Carvana only disclosed to me via phone that the check engine light was on and the car just needed a downstream O2 sensor replaced which would extend my pick up time. I agreed. I asked about the repair and the guy told me he had no idea what it meant or the impact, that's all the info he had. When I picked up the car, he told me they also replaced the battery with a new one. There is NO way the two cars I received were in their inventory with no issues. There was no ability to speak to anyone other than a customer advocate. After the second car died, I called to request my money back but no one knew how to update the system or figure out what needed to happen to proceed. I respectfully requested they reach out to management to figure out next steps instead of talking back and forth on the call and never received a call back. Carvana is selling cars that put owners and other drivers in danger and take no responsibility. The process for selling your car to them is very easy, but steer clear of buying a car from them. The only positive experience was the customer service from XXXX and the second delivery driver - his last name was XXXX. I talked to multiple people throughout this process and they were the only people I spoke with during the whole fiasco that were knowledgeable and helpful. Also a heads up, if you swap, you have to sign a new purchase contract and every time you sign, it's a hard hit to your credit regardless of whether you return the car or not.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch and unfortunately, I have encountered several issues that have not been adequately addressed. 

Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. 

I initially opened the account and was informed that it would be active within a specific timeframe. 

I made multiple follow-up calls to inquire about the status of my account. Each time, I was assured that the issue would be resolved promptly. 

I visited the branch in person to seek assistance, but unfortunately, the problem persists. 

I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. 

I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. 

If this matter is not addressed within the exact timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX XXXXXXXX Balance : {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all three credit bureaus ( XXXX, Experian, and XXXX ) to verify a bankruptcy that shows in my credit report. I asked them to verify the information with the court in two occasions XX/XX/XXXX and XX/XX/XXXX. Both times the bureaus " confirmed '' that the bankruptcy had been verified by the court. I then wrote to the court on XX/XX/XXXX asking them if it was true that they had received letters from the bureaus asking them to verify my bankruptcy. I never heard from the court. So, in XXXX of XXXX, I called the court and verbally asked them if the bureaus had sent letters of verification to them. The court clerk explained to me that the court never verifies this type of information with the bureaus. I then wrote to the bureaus on XX/XX/XXXX and again on XXXX asking them to remove the bankruptcy from my report because they never verified it with the court and in fact they lied to me when they said they did. Up to now, they have not deleted the bankruptcy. In my last correspondence to them, I warned them that I would file a complaint with this agency if they did not delete the unverified item from my credit report. I am writing to you hoping that this issue can be resolved once and for all. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), the bureaus are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. It is obvious that at least in my case, none of the bureaus verified the item and are still reporting in my credit which is affecting me tremendously because I can not re-finance my house at this time due to this issue.
Product: Credit reporting

I had bankruptcy about XXXX years ago, Equifax reported this account for XXXX yearswhile the other XXXX reported for XXXX years, Now I have applied for a loan. 
with XXXX XXXX, the loan officer tells me I have bankruptcy, Under federal lawten years is the max time to report but in this case, this is the XXXX year. 

another one is XXXX XXXX reporting XXXX dollar bond that was disputed and the case is pending in XXXX district court of Georgia ( federal Circuit )
Product: Mortgage

I closed on a VA home loan with Veteran 's United on XX/XX/XXXX. 

I remitted payment in the amount of {$5000.00} over the telephone to Veteran 's United on XX/XX/XXXX. I received receipt of this payment on XX/XX/XXXX. 

On or around XX/XX/XXXX, Veterans United sold servicing of this loan to XXXX, XXXX. 

I was notified of this change from Veterans United in a letter dated/postmarked XX/XX/XXXX and in a separate letter from XXXX dated/postmarked XX/XX/XXXX. I received these letters on XX/XX/XXXX. 

In the letter sent from Veteran 's United, it indicates : " Veterans United Home Loans is currently collecting your payments. Veterans United Home loans will stop accepting payments received from you after XX/XX/XXXX. '' In a phone call with XXXX XXXX from Veterans United on XX/XX/XXXX and again on XX/XX/XXXX, Veterans United indicated to me that they notified XXXX of payment on XX/XX/XXXX and that the principal balance should be {$5000.00} less. Additionally, Veterans United indicated to me that XXXX would issue me tax form XXXX. 

XXXX has done neither of these things despite repeated and multiple requests to do so. In an email correspondence dated XX/XX/XXXX, XXXX indicated " no payments were received '' and refused to look into the matter. I have communicated with XXXX and XXXX from XXXX who have been unhelpful. Veterans United has indicated that they have sent this XXXX. Where it stands, both companies are saying for me to " talk to the other guy. '' I have done both of these things and I have nothing to do with the matter. It's the two companies not talking to each other in a transaction that I have nothing do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires from XXXX with inquiry date of XX/XX/XXXX and XXXX with inquiry date of XX/XX/XXXX are unauthorized. I already asked TransUnion to get these off from my report but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Debt collection

Afni sent me a letter stating they verified with the creditor. However, I requested that the information be verified and validated and proof be sent to me stating the account was properly verified. I did not receive that information from XXXX XXXX XXXX nor Afni.
Product: Money transfer, virtual currency, or money service

I actually tried to do a transaction through XXXX, at the time I was banking with Chase Bank. There was a lot of confusion and to how to set up the XXXX account. I sent {$160.00} through the XXXX account that did not reach the correct person. I reached out to Chase Bank and they told me it was nothing they could do. It happened a second time banking with Chase Bank. I did a XXXX transaction. I believe it was for {$50.00} and again the same issue.
Product: Credit reporting or other personal consumer reports

TransunionXXXX, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXX. 2024 XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion, XXXX, & XXXX credit reports. Please delete ALL of the Following : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$750.00} - XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Accounts ) {$580.00} & {$980.00} - XXXX & XXXX XXXX ) XXXX XXXX  {$380.00} - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus on several occasions in regards to the vehicle reporting on my credit reports causing me harm that i do not need. NOBODY seems to have an answer of to why a vehicle im not associated with or a vehicle I have no recollection on is in my name and or reporting. XXXX  XXXX is reporting a vehicle that isnt mines on my credit report, it was done without my consent and without my knowledge. They are reporting a XXXX XXXX XXXX that has been illegally attached to me. Find out who did this and send me documentation that was used to open the loan as well as signatures. Please delete this so I can move forward with my future endeavors.
Product: Debt collection

My wife XXXX XXXX XXXX died on XX/XX/2020 of a XXXX XXXX at XXXX Colorado XXXX XXXX. In Colorado, by law, couples are considered responsible separately as far as debts are concerned unless joined by contract. I signed no paperwork on the days of her hospitalization. Since then, no one has reached out to me for payment including the hospital or Drs. 
However, XXXX XXXX XXXX has been hitting me with numerous small bills ( XXXX so far ) totaling {$870.00}. As each has gone unpaid ( my attorney said DO NOT pay unless you are prepared to shoulder all the previous bills ), they have referred the collection to ALPINE CREDIT in XXXX, CO. I have spoken with them on numerous occasions and informed them 'Chapter and Verse ' regarding Colorado law but the said 'they don't care ' and continue ruining my credit. At the time this started my credit was 780, went as low as 550 ( all due to them ) and is slowly back to 680 with almost no debt.

I have reached out to the reporting agencies on numerous occasions but no joy. If there is anything
Product: Debt collection

in XXXX XXXX XXXX i lost a debit card that my car insurance through XXXX XXXX was charged automatically every month. the day my payment was due i called them and spoke with someone about the fact that i didnt have card anymore because it was lost and cancelled. I made a payment over the phone and paid a XXXX $ late fee. I was told that they couldnt put a different account on file to automatically debit this from my account and that i had to do so. I put my direct bank account info online with my computer and selected that they directly take it from my bank account. After i did this i could no longer see the card listed online and therefore could not delete the card i didn't have anymore. this whole process occurred again the following month. I paid another late fee and had several conversations with XXXX XXXX about my problem and how to resolve it. The third month i could see they wewre trying to process the payment agin that wasnt due for another 2 days. I was advised to pay it early and the customer service person i spoke with said i would not be charged the late payment because it was noted i was paying it before due. They told me because it was a friday and the payment was due sunday it was being processed early. in XXXX they tried to charge me 2 late fees for a payment i made prior to it being due and they were cancelling my insurance i had already paid for. At this point i did not want to have insurance with this company XXXX XXXX any longer. I told them this and they could see from the notes it was their mistake. Even after this they were still trying to charge me XXXX $ in late fees. I called them again and was agin reassured these charges were reversed and i had a XXXX $ balance moving forward. this was the end of XXXX. I moved from XXXX XXXX XXXX XXXX XXXX and there was a delay in me recieving mail. Last week i received a letter i was being sent to collections for XXXX XXXX And today i got a text message of the same. When i called the person could not tell me what this was for? She said the only info she had was that it was for a returned transaction. There was no returned transaction. This company has a super messed up payment system. This was not my fault and i owed them no money. i paid for my insurance and then cut ties with the company. I had insurance with this company for 3 years with XXXX problems with them ever collecting fees from me. Until i made the error of losing and cancelling a debit card they couldnt remove from there system. I made the payment but this should of never been a collection to begin with and i want to make a formal complaint.
Product: Mortgage

- In XX/XX/2017 our Mortgage company changed names from Nationstar to Mr Cooper. 

- During this time our mortgage rate adjusted to a $ XXXX monthly increase. 

- Mr Cooper sent e-mails of the change and approaching rate increase which went into our junk mail because we did not know who Mr Cooper were. We own a retail business and receive hundreds of emails a day, most of them junk ... 

- We continued to send our regular payment through our banks auto pay to Nationstar. 

- We were never late in paying as the attached statement shows. 

- The payments were accepted and held, but not posted to our account. We were not informed of this. No one gave us a courtesy call to say that we were short ( not late ) so it went unnoticed. 

- Four months later we did receive a call from Mr Cooper to say that we had short paid 4 months in a row and it had been reported to the credit bureaus. 

- Interestingly enough, Mr Cooper did call us on XX/XX/XXXX just to " check in '' and make sure that all of our information was correct. At no time during that conversation was it ever mentioned that we had short paid for the last three months. ( I'm sure they record their telephone calls so I'd be very interested to hear that call played back. ) - When we were informed of the shorts we immediately remedied the problem and changed our auto pay to reflect the new payment. 

- Since then I have tried, without success, to reason with Mr Cooper to remove the late postings as a courtesy. It is painfully obvious why we were late but they won't budge on their position. 

- After I had written to the Chairman of Mr Cooper I received a package of information from a case manager basically saying that they did everything right in their methods of trying to contact us and weren't going to reach out to the credit bureaus and help us. 

- The one thing they did not do, was to simply pick up the phone when they received the first short pay in XX/XX/2017.