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

Dear CFPB Representative, Subject : Dispute of Inaccurate Reporting of Late Payments Account XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of late payment on my credit report concerning the account referenced above ( XXXX XXXX XXXX XXXX ). Upon thorough review, I have identified discrepancies in the reporting, which I believe may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681. 
The reported late payment on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and based on my records, I have consistently made timely payments in accordance with the terms of our agreement. 
In accordance with 15 U.S Code 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 U.S Code 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late, in the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the accounts be promptly updated to reflects its accurate status as Paid as Agreed Never Late. Per the FCRA, I request that you conduct a timely investigation and provide a written response 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your immediate attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is essential in ensuring the accuracy and fairness of my credit report. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Vehicle was repossessed and sold without my consent nor any information was given to me in regards to when the vehicle was resold and for how much it was sold for. Under the laws of Illinois UCC-9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and core time limits were adhered to.
Product: Checking or savings account

i have 4 unauthorized transactions on my business checking account which i did not authorized. i have contacted the bank and filed a claim but my claim was denied without any investigation or reason. i have never authorized those transactions. please help XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$860.00}. 

XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$220.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$75.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting

I had a fraud alert and a consumer statement on my credit file and Equifax is reporting unauthorized inquiries on my credit file that I do not have an account with. I advised them this in writing and they have never sent document-able proof with my signature authorizing these creditors to pull my credit file. The following inquiries are inaccurate and unauthorized : XXXX THEXXXXBANK
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer XXXX TransUnion credit report, which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts include student loans opened at XXXX XXXX XXXXT on XX/XX/XXXX under account number XXXX, XX/XX/XXXX under account number XXXX, XX/XX/XXXX under account number XXXX, and XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I demand that these fraudulent items be removed from all my consumer credit reports and that all collection activity related to these items cease, pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following negative items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit mt direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it required timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I got far behind on my payments due to serious XXXX  problems that caused me to miss XXXX months of work. I requested a loan modification or refinancing. I was denied both. My home is now in 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX, XXXX XXXX, CAPITAL XXXX XXXX, 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 XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

On XXXX I applied for a XXXX XXXX XXXX.they said they did not use a credit reporting agency for the denial it was because I had a charge off in 2010 I explained I had to close all of my accounts when I filed for chapter XXXX. I did not have a balance on the card with Barclays Bank. 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I closed my Chase checking account and the funds in my account was sent XX/XX/22. I was advised to wait XXXX business days. As of today XX/XX/22 no one can advise where my funds are. Ive made XXXX attempts and was told different stories. One said the funds where withdrawn from the bank on the XXXX of XXXX. I have not been to the bank until today when a representative advised I go and fill out a form and have it notarized. I went to Chase bank at XXXX XXXX Fl and the manager said he was too busy and he would call me in an hour. Its now been XXXX hours and no call. I just want MY money that was on my closed checking account. Please send me my funds. Thank you! XXXX XXXX
Product: Debt collection

XXXX XXXX is the company that has been harassing 's me thru a collection company OxigenXXXX collecting money that I don't owed them. They call my cell at all times which I have explained to them I don't owned anything to them. This harassment 's has cause me a nervous breakdown and XXXX My credit is excellent and this people want money out me which I don't owed to them. Please help me to report this company.
Product: Debt collection

I regret to notify you of how disturbing it is that you select not to solve my identity theft issue due to an apparent error or significant fact misrepresentation. What power do you have to decide what constitutes relevant facts? You are not a judge, you are not a juror, and you have no right to any of these things. The Federal Trade Commission ( FTC ) mandates compliance with the law when it receives an identity theft report about identity theft filed by a law enforcement agency ( in this case, the FTC ). 

I believe that involving law enforcement is an essential measure to ensure a thorough investigation and resolution of the matter. I am committed to assisting law enforcement agencies in any way necessary to facilitate their inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I trust that your organization will take this information into account and cooperate fully with any law enforcement inquiries that may arise from this matter. If there are any further actions required from my end to support this process, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX and I am a XXXX XXXX XXXX. Over the years I have had a hard time keeping my personal credit score stable. ( XXXX ) I pay most of my personal and XXXX bills on time and in most cases early, which I have proof of. My problem with TransUnion and the other credit reporting companies and credit card companies is that they DO NOT separate small business credit/history with the business owner 's personal credit. For example : I have XXXX XXXX  credit cards and those XXXX use those cards on a daily basis. As the company issued credit line begins to be used this begins to heavily impact my credit score thus causing it to fluctuate literally weekly. I would understand if this was a new account but we have been with the credit card company for years. Here is the problem. If the credit card company solicited my XXXX  and issued the XXXX  multiple credit cards but reports the credit usage to my personal credit report then why doesn't TransUnion and the others have a business credit report section/division? I am willing to bet this is not an isolated thing and that many of us XXXX XXXX owner 's are having the same problem. Because of this ongoing issue, I have had a hard time getting loans to buy a house and automobiles. I understand the " personal guarantor '' purpose the business owner must sign to have ultimate responsibility for the credit card usage but that does not absolve the company from being responsible as well and only reiterates the aforementioned. Separation of XXXX and Personal I feel this is something that has class action written all over it and am ready to retain an attorney to start the process. By the way, when I used and occasionally still do, my XXXX  XXXX XXXX card for over XXXX XXXX dollars annually my credit problems did not exist. Now that vendors do not want to take XXXX I have been forced to switch to others. Another issue I have found is that it seems reporting to the credit bureaus by the credit card companies is optional and at their discretion. Or in other words : " pay on time and we could care less, pay late and we will report you ''. The only reason I would think they would do that is to warn others ( credit card companies ) not to issue credit to or " black list '' you. I would expect it is the CFPB 's job to ensure the credit playing field is played equally and fairly by both the consumer 's side and the credit card/credit bureaus side . 

Please let me know if you can help before this gets really expensive for me. Thanks again for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate information and allowing my credit scores and history to report inaccurate because of the information they are providing which has not been verified and reporting accurately.
Product: Checking or savings account

Text msg received XX/XX/2021, XXXX FRM : SouthState Bank ! Contact XXXX SUBJ : Debit Card Locked MSG:XXXX This is obviously spam, I do not have any dealings with SouthState Bank XXXX 
I have recd another text msg regarding and requesting bank info from me. 
Somehow my phone number is being used to extract banking information. 
I have deleted this text.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for failing to conduct reasonable investigations of disputes I submitted regarding inaccuracies in my credit report. Despite providing documentation to support my claims, XXXX consistently responds within 24 hours, asserting the account 's accuracy without presenting any evidence of a thorough investigation.

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's recent administrative proceeding against them ( File No. 2025-CFPB-0002 ) for similar violations. 

I request that the Consumer Financial Protection Bureau take immediate action to ensure XXXX complies with federal law and provides consumers with clear evidence of proper investigations into credit report disputes. 

Thank you for your attention to this matter. 

I would like the following names, addresses, accounts, and inquiries removed : I would like the following names, addresses, accounts, and inquiries removed :
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 Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX