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

Recently I've viewed my credit report & noticed inaccurate information reporting. I reached out to all XXXX credit bureaus, XXXX, XXXX XXXX Experian to correct the inaccurate information reporting nothing was done & I did this twice & no updates of any kind. Today I decided to escalate it with making XXXX complaint XXXX with the FTC & a other one with the CFPB. This matter can't continue. NEED HELP SOLVING THIS ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conduent, formerly ACS, continues to misreport late payments on my credit reports for a paid and closed account. These late payments purportedly occurred in XXXX. However, this account was in an approved forbearance status and should not reflect late payments. As a result, I am requesting original signed documentation of all forbearance records from Conduent for the duration of time that they serviced this account ( XX/XX/XXXX- XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

With accordance of the fair credit act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit path as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Dear Officer-in-charge, I am involved in an investment/romance scam. The criminal groomed me to invest in an investment scam, thats when I borrowed XXXX {$300000.00} from the various banks, friends, and insurance companies to invest in this investment scam, it was after I invested in it, I find out it was totally fake. ( Basically, he proved a link to a clone app, which I clicked on ) I thought it was a genuine app, but after investing XXXX {$300000.00}, I later find out this app was cloned to impersonate the real app, as I couldnt log in to see my investment. Ive already lodged a XXXX police report and reported this scam, Report No : XXXX and have advised me that my bank should help me regarding this unfortunate matter. Looking forward to hearing from you.

1. Grooming started on XX/XX/XXXX via XXXX 2. Asked me to buy Bitcoins from the local cryptos via http : XXXX ( scammer made their own fake trade app ) 3. Then ask me to install this app on my smartphone so that I can trade Bitcoins, ( this app was given to me via a link, http : XXXX this was a cloned version of the XXXX trading station app. It was after Ill install the app and try to log in, nothing of my investment was there. 
The following details below are all the transactions involved in the scam : HSBCBank ( XXXX ) XXXX. 
Address. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
SWIFT Code, XXXX. 
Beneficiary account number : HSBC ( PERSONAL ) XXXX Beneficiary Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate charge-off and closed account on my credit report associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has been disputed several times with no effective results. I believe that this charge-off and account closure are incorrect and request a thorough investigation into the matter for the following reasons : The information being reported on my credit report does not accurately reflect the status of my account with XXXX XXXX XXXX XXXX XXXX I have reviewed my records and found discrepancies that suggest errors in the reporting process. 

I did not receive any prior notification or adequate explanation from XXXX XXXX XXXX XXXX regarding the charge-off and account closure. According to my understanding, financial institutions are required to provide proper notification and an opportunity to rectify the situation before taking such drastic measures. This erroneous charge-off has negatively impacted my credit score and financial standing, causing undue stress and financial difficulty. 

My payment history with XXXX XXXX XXXX XXXX has been consistently reliable and timely. The reported charge-off and closure do not align with my long-standing history of responsible account management. 

Enclosed are copies of my credit report, and I kindly ask for your assistance in ensuring that my credit report is corrected and reflects accurate information.
Product: Credit reporting or other personal consumer reports

I sent 2 dispute letters to equifax due to them reporting incorrect accounts on my credit report. I asked them to investigate and if they found these accounts verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.
Product: Credit reporting

Equifax continues to report inaccurate information on my credit file after multiple attempts to have them correct the inaccuracies. I have sent Equifax via certified mail multiple disputes along with supporting documentation for the items that i am disputing. They also have violated multiple consumer protection laws by stating that they verified the accounts when in reality all they did was parrot information given to them from other sources and then they advise me to contact the original creditor, shifting the burden back on me which is a violation of 1681 ( a ) ( 4 ). Equifax has ignored multiple requests in my disputes as i have asked for the documents that they reviewed in order to conclude their investigation. The fact they continue to ignore this request is proof that they did not verify any of the disputed accounts like they claim they did. Under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to " ... promptly DELETE all information which can not be verified. '' It is my understanding that the FCRA allows me to dispute items that are inaccurate, untimely, misleading, biased, incomplete or unverified. CFPB, i seek your assistance with this as Equifax seems to be consistently taking advantage of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XXXX XXXX 2020. They have fail to comply within the 30 day statute of limitations.
Product: Debt collection

The debt collector applied a collection account to my credit report and I explained to them this debt did not belong to me. I have never lived at the address. The agency is engaged in deceptive, unfair practices which is in direct violation of the FDCPA policies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit card

Discover sent me a preapproved application for credit. I have perfect credit scores and submitted an application based on their offer. After I submitted the application, their system asked me to call the company directly, I tried calling Discover the same day, and they were closed ; so I had to call the next morning. When I called, the analyst that answered the phone told me that the credit decision might need another 24-48 hours to finalize processing. That sounded odd to me since most applications are approved immediately. I inquired further into why it will take so long? The analyst at Discover gave me no real reason as of why, and it seemed that she truly did n't understand her company 's process, at that point, I was disappointed with clarification, and with the training Discover provided their employees. Since my call was a waste of time, I did n't care to stay on the phone any longer. I wanted to move on with my day, so I hung up expecting a decision in the mail. Three or four days later, I receive a letter that my credit application has been withdrawn. I never agreed to withdrawing my application, they ran my credit at Discover impacting my credit scores, and they denied me credit without my authorization. I called Discover back, and the representative that answered stated it was the analyst decision to withdraw the application based on her assumption that I might 've not wanted to move forward, and if I was not happy with what happened, I would need to call Experian the credit company directly to discuss my credit check. I called Experian, and was not able to connect to any live human beings, it was one phone tree after another, and then at the end, the line gets disconnected no matter how many times I called. I was very upset and wanted to speak to a manager at Discover since this has impacted my credit, and wasted my time. After calling back and being put on hold, I was able to speak to a manager by the name of XXXX, she basically told me that she can not do anything, and that if I was still interested in a Discover Card, she would have to run my credit again. Now I do n't think a company should be getting away with this, they falsely advertised to me offering a pre-approval, and when I did believe them and applied, they had me waste my time to personally call them, then they wrongfully withdrew my application, denied me credit without confirming with me if that was my true intention, and impacted my credit scores with their useless credit inquiry. Something needs to be done to protect consumers out there from this type of predatory advertising, and Discover 's bating and switching.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/2018 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
Trequest an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was homeless I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. Equifax, XXXX, XXXX.
Product: Debt collection

That was on or about XX/XX/2019 I received a letter from Professional Account Services collection agency to collect the debt amount {$300.00} on behalf of XXXX XXXX XXXX XXXX XXXX listed as creditor. Then, I directly contacted the creditor and spoke to a rep named XXXX regarding the alleged debt. He informed me my installment account is current since I've enrolled automatic draft from my bank every first of the month. He also stated that the management will get back with me within XXXX from the dated we talked. As of today XX/XX/2019, no one has not been called me and this alleged collection account is on my credit reports.
Product: Debt collection

similar to previous complaint  XXXX  on NELNET.COM - TERRIBLE I continue to get emails asking for sum total of {$1700.00} in emails, i login to Nelnet to double-check the amount due, which is consistent with emails {$1700.00}.     BUT - when the day comes to pay (  XXXX  of month, as stated online and in emails ) ... THEN the amount due changes by several hundred dollars.     i 'm sick and tired of being stressed out about this ; set the monthly payment @ {$1700.00} and stop fluctuating!!!!!   - XXXX
Product: Consumer Loan

I had leased a XXXX and my lease was through Ally XXXX. I returned the car at the end of the lease on XX/XX/2016. The inspection was done by Ally on XX/XX/XXXX ( after XXXX weeks ). Then Ally sent me a bill for {$550.00} for damages that did n't exist when I returned the car. I spoke to Ally a couple of times and emailed them but they just keep sending me the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were no changes in any accounts from a credit reporting perspective. TransUnion reduced my credit score by ~100 points as a punitive action from my persistent attempts to get them to correctly report my auto loan from XXXX XXXX . I have been trying to get them to correct for over one year with > 10 attempts.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a XXXX  of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Debt collection

I am a few days late on my payment. I have asked this company, repeatedly, to NOT call my place of employment. They said that they would place a note in the file. Yet, they continue to call my place of employment. The last person that called was XXXX on XX/XX/2024. They asked my co-worker, when I would specifically be back in the office. My co-workers are not curious about my personal business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

XXXX {$35000.00} Exquifax {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, EQUIFAX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently did an Investigation on my credit report and I am verifying that these Negative accounts are not mine. 

Under the United States Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which infringes on my privacy. Congress says I have a right to decide what I deem private. 

I consider these NEGATIVE accounts private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. 

Under 15 USC 1681b-permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) by the written instructions of the consumer to whom it relates. 

Under 15 U.S. Code 6802- I have the right to opt out of any information shared with a financial institution, directly or through any affiliate, disclosed to a non-affiliated third party any non-public information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Credit reporting or other personal consumer reports

XXXX ss # XXXX It has come to my attention that negative items are being reported on my credit to XXXX XXXX XXXX XXXX Equifax XXXX and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts reporting are not my accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the standard 15-day grace period offered by XXXX XXXX. The payments were not late, and the 30 and 60-day late entries are inaccurate. 
Clerical error by XXXX XXXX : Despite making the payments on time, it was incorrectly recorded as late due to a clerical error. This error caused an inaccurate 30-day and 60-day late payment report on my account. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payments were made on time. This evidence clearly demonstrates that no late payments occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

" In accordance with a Fair credit reporting act [ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 


"
Product: Vehicle loan or lease

For three years I have had an Auto Loan from Ally Auto an online company. For the past eight ( 8 ) months I have not been able to access my loan information to make my payment, get a payment history or see my balance. I am forced to pay a processing fee of XXXX each month to pay by phone to a third party payment processing center ( which I do not know is getting applied to my loan ). Each month I am forced to call Ally to try to get this matter fixed. I have spent many, many hours on the phone with customer service only to get the run around. I am told my situation will get escalated to the " triage '' This does not happen. I have had customer service hang up on me. I can not talk to a supervisor, I get put on hold for hours and then the phone on their end get disconnected. I spend a minium of 4-5 hours per month begging for help. I have XXXX  status and I can not take this abuse. It has cause me much stress. This is the 2nd loan with Ally Auto. The first Auto loan was taken over by a credit union and put in previous partners name basically stolen from me with out my signature. I can not take this any longer. I am ready to take legal action on the first loan and the current one. I need help ASAP