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

XX/XX/XXXX Subject : XXXX XXXX XXXX TransUnion for Failing to Correct Inaccurate Late Payment Reporting on Account XXXX XXXX  Dear CFPB, I am filing this complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account identified as # XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information contained in consumer files. Despite providing clear evidence of inaccuracies in my payment history, TransUnion has failed to fulfill this legal obligation. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : Under the Truth in Lending Act, creditors are required to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and financial standing. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. The failure to ensure accurate reporting violates this protection and continues to damage my ability to access credit fairly. 
Evidence of Error : TransUnion Account Number : XXXX High Balance : {$420.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Last Payment : XX/XX/XXXX Credit Limit : {$3500.00} Two-Year Payment History : XXXX late payment noted in XX/XX/XXXX. 
Impact : The discrepancies in late payment reporting across the credit bureaus have directly harmed my creditworthiness and financial reputation. The inconsistent reporting of XXXX late payments violates my federally protected consumer rights. 
Desired Resolution : XXXX removal of the inaccurate late payment notation from my credit report. 
Written confirmation from TransUnion confirming the correction. 
Failure to resolve this issue promptly will result in further escalation, including legal action and filing additional complaints with relevant regulatory agencies. 
I trust that the CFPB will assist in ensuring compliance with federal laws and protecting my consumer rights. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX l made a dispute with Equifax with Inquires disputes can't believe they stated that they call the lender and turn around and stated it was verified. In another credit agency ( XXXX ) they remove the same item l was deputing. Please this company isn't taking no time to give me a letter of person they confirm the error. l enclosed of the letter of my results with l might tell they work on it 1 day of disputing my request.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I did not receive my paycheck in my checking account. I receive my paycheck every Thursday by XXXX latest. It never was deposited into my account. I called Capital One to ask about if, and was told its a technical issue with no estimated time it will be fixed. I have no money, no food, and can not feed my family tonight because they will not release my money to me.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

Equifax keeps validating a fraudulent account that the vendor has specifically told them to remove per CFPB. See all attached.
Product: Payday loan, title loan, or personal loan

I have been back and forth with this company several times they take extra payments by telling me via text and emails that my payments are due when they take the payments automatically each month I have been trying to close my account but get no assistance from this company.
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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made three separate requests for Transunion to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Transunion to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the  credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) Transunion has cleared three of the original derogatory remarks for which they can not provide verifying documentation. However 4 such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : https : //financialservices.house.gov/media/pdf/060403lb.pdf
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year there some fraudulent accounts appearing on my Equifax credit report, one being from a company called XXXX XXXX. After sending in several disputes and supporting documentation, Equifax removed the fraud related accounts including the XXXX XXXX account from my Equifax Credit Report. As of XX/XX/XXXX I received notification from my Equifax credit file that the XXXX XXXX has reported back on my credit report which is a violation of the Fair Credit Reporting Act in regards to sections 605b, 609, and 611.  This information has been blocked and included on both an identity theft and police report and should not be reappearing on my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent XX/XX/2022 a formal complaint to XXXX XXXX and Equifax for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.
Product: Money transfer, virtual currency, or money service

I am having trouble getting the company to understand why my transfer to my external account takes 3 days, when my daughter XXXX XXXX account takes seconds for transfer. As well as friends and family, who also back with JP Morgan chase and use XXXX XXXX  as their external account
Product: Checking or savings account

On Saturday morning, XXXX, I woke up to my checking account to be " on hold '' showing {$0.00} available balance with {$210000.00} being on " Hold / Delay '' since XXXX am that day. 

I called the bank at XXXX XXXX  and after XXXX minutes, XXXX transfers and XXXX account representatives, they told me " they need to speak to their backoffice, which is closed until Monday '' and they could not help me. I requested a call back from a supervisor and was told to get it within 24-48 hours. It has now been more than 48 hours and I have not received a call back. I also still don't have access to my funds. 

I called again today in the morning, XXXX. I was again told that they don't know the reasons and that my account rep should call back. I still have not heard anything from anyone as to reasons and a path to resolution. Instead, I can not access my personal funds and am unable to pay bills ( beginning of the month ) or withdraw cash. 
I have received no communication from the bank as to reasons why I can not access my funds for 3 days now.
Product: Credit reporting

My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2016 and XXXX XXXX was informed, yet after countless attempts they still refuse to report my account as open with a balance owed. I submitted a dispute to Trans Union on XXXX XXXX, 2016 and still XXXX XXXX refuse to correct the inaccurate information. I pay {$570.00} each month and my credit will never fully be restored if XXXX XXXX does n't correct the inaccurate information. Please HELP!!
Product: Debt collection

XXXX XXXX XXXX the original lender who I got the auto loan from and their lawyers/debt collectors Roosen, Varchetti & Olivier LLC . 
On my credit report they have on their records the wrong amount owed which is double or almost triple according to my credit report. 
I have a court settlement for XXXX for which it was agreed upon that I pay XXXX dollars every month till the debt is washed. I have paid this every month on time and have receipts of each transaction. My amount owed hasn't changed and in fact has shown to have increased from when I first started paying 3+ years ago ( XXXX of XXXX  ). On my credit report it shows that I owe {$17000.00} On Roosen, Varchetti & Olivier LLC payment portal ( this is the company I make payments to as per the court and it states total due as XXXX which is false. Both of these companies are working hand and hand together. so I have no understanding why this is so incorrect, these companies are preventing me from getting my credit profile right and getting a proper loan. 
As of today with all of my payments up to date and on time I have paid XXXX if my math is accurate. I should only owe XXXX which is a very different # than what they show me to owe.
Product: Mortgage

I believe Bank of America misappropriated over {$4000.00} when I refinanced and can not account for that money. In XX/XX/XXXX my wife and I refinanced our existing mortgage with BoA. We were previously BoA customers as well. As part of the refinance we were provided with a Closing Disclosure. That disclosure outlined the various costs associated with closing our new loan. Among those costs were " prepaids '' that included property taxes ( {$4600.00} ). This prepaid amount for property taxes was intended to cover our Q3 tax payment to our township and were separate from property taxes intended for escrow. We paid {$3000.00} towards our escrow account for property taxes. After closing on our new loan, we received a notice from our township in XXXX that we were delinquent in paying our Q3 taxes. This was concerning given our closing disclosure clearly stated that part of our closing costs were prepaids intended to cover this tax payment. After getting in touch with BoA via their main number, we were able to have the tax payment processed on XX/XX/XXXX but in order to process the tax payment, BoA proceed an escrow advance of {$2100.00}. Again this was concerning given the prepaid property tax payment was intended to cover our Q3 tax payment and it was not supposed to come out of our escrow account. Since that escrow advance and tax payment in XXXX, I have been trying to get in touch with someone at BoA to explain why we were assessed an escrow advance and where our prepaid tax payment of {$4600.00} went. I have opened numerous cases with BoA, have called our closing processing officer ( XXXX XXXX ), her boss ( XXXX XXXX ), his boss ( XXXX ) and left numerous voicemails without a call back. I have also called the escrow department several times and recently was able to connect with a manager ( XXXX XXXX ). Ms. XXXX notified me that she would look into the issue after discussing this issue with me for over an hour and gave me her direct line to follow up. Since that call, I have attempted to contact Ms. XXXX over a dozen times and have left numerous voicemails and have not received a call back. I strongly believe that BoA misappropriated our Q3 prepaid tax payment and can not account for its whereabouts.
Product: Debt collection

I looked at my XXXX credit report and found a XXXX reduction, for a closed account from ZIONS DEBT HOLDINGS , showing a collection for the months of XXXX, XXXX, XXXX, XXXX of XXXX. No other evidence of anything else and I'm not sure how this closed account just appeared upon my credit report, but I need my XXXX points restored immediately, and this closed account removed from my credit history.
Product: Student loan

I am complaining about Navient. 

I was pushed into a forbearance program even though I was willing and wanted to lower my payments. This has resulted in accumulated interest that is crippling my ability to pay this down even after paying for 7 years.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XXXX XX/XX/year> and XXXX XX/XX/year>. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX ( XXXX ) XXXX XXXX XXXX Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I ( XXXX XXXX ) is writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal actions. 
I demand the following collections entries to be deleted : XXXX. XXXX XXXX XXXX Acct. : XXXX Opened : XXXX XXXX, XXXX XXXX XXXX Acct . : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct. : XXXX Opened : XX/XX/XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 
Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 10-15 days of the receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion is required to provide proof of how they verified the bankruptcy they are reporting on my credit report. I have written dispute letters to them several times over the past almost XXXX years requesting for them to provide me with proof but they have never provided proof of validation or verification which they are required to do according to the XXXX. My last attempt to dispute this inaccurate bankruptcy was a dispute letter I mailed to TransUnion in XX/XX/2022. TransUnion sent me results dated XX/XX/2022 stating that they verified the bankruptcy but again provided no proof on how they verified it as I requested in my dispute letter. Also, I have a letter from XXXX dated XX/XX/2022 that states XXXX removed the bankruptcy from their report and I have a letter from the courts stating that they do not communicate or verify information with credit reporting agencies so how could TransUnion have verified the bankruptcy information? I have attached letters from XXXX, the court and dispute results TransUnion sent me stating the bankruptcy was verified. 

I have grown frustrated during my several attempts to get TransUnion to correct this error and remove the bankruptcy but they have not properly investigated my disputes. Also, the bankruptcy being reported has no accounts included in the bankruptcy. How can there be a bankruptcy with no accounts included in it? A bankruptcy can not be empty. But TransUnion still did not remove this information after I disputed explaining that fact. All of this is proof that TransUnion is not verifying the information as they are required to do. This situation has caused me a lot of stress. I want this bankruptcy removed from my TransUnion credit report once and for all.
Product: Credit reporting or other personal consumer reports

During XX/XX/XXXX I made a credit transfer from my XXXX XXXX Credit Card to pay off a Macy 's balance of {$1000.00} XX/XX/XXXX I received a call from Macy 's indicating they did not receive my payoff and I needed to pay {$120.00}. I paid the amount and closed out the Macy 's account. 
XX/XX/XXXX Macy 's started reporting me late so I disputed this with all three credit companies with a copy of the letter from XXXX XXXX that the amount of {$1000.00} was paid. 
As this is going on Macy 's kept my account open but increased my credit limit on a closed account. 
I reached out to Macy 's through there dispute information in XX/XX/XXXX. 
During this time Macy 's reported back the amount was correct and I owed the money. 
After repeatedly disputing the amount being paid off during XXXX of XXXX, Macy 's agreed the account was closed by customer and applied my XX/XX/XXXX payment during the month of XX/XX/XXXX and credited me around {$35.00} credit for late fees. 
During the month of XX/XX/XXXX I was not report to the three credit bureaus as delinquent but they raised my credit limit on a closed account and stated I owe {$200.00} plus dollars. 
Today is XX/XX/XXXX and Macy 's has been reporting me again delinquent to all three credit bureaus since XX/XX/XXXX. My credit score is ruined I have proof of it.