23daVinci/CFPB_Complaints huggingface dataset:
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 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 : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. 
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 XXXX XXXX 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 card or prepaid card

Opened a dispute on XX/XX/XXXX with Citi Mastercard for concert tickets purchased through XXXX XXXX XXXX XXXX  on XX/XX/XXXX in the amount of {$470.00}. All information was sent to Citi on XX/XX/XXXX as requested. They issued a conditional credit to my account. Citi then requested I mail all information to them which was mailed on XX/XX/XXXX. In XXXX, XXXX XXXX XXXX XXXX repsonded to Citi MasterCard and they reversed the conditional credit. XXXX XXXX XXXX XXXX changed the seats on their receipt to reflect the mobile tickets. I responded back to Citi on XX/XX/XXXX as per their request with the same information that was sent on XX/XX/XXXX. On XX/XX/XXXX citi MasterCard notified me that XXXX XXXX XXXX XXXX   responded to my reply on XX/XX/XXXX and they would again issue a conditional credit. As of today XX/XX/XXXX they have not issued the credit. I spent about 2 hours on the telephone with Citi Mastercard on XX/XX/XXXX and got absolutely no where. The concert tickets received from XXXX XXXX XXXX XXXX are different seats than what I agreed to purchase over the telephone. The proof of purchase was sent to Citi to show the discrepancy. I have called Citi Mastercard multiple times to get a different answer each call. On XX/XX/XXXX I realized I no longer had access to the mobile concert tickets purchased from XXXX XXXX XXXX XXXX. This information was also called and emailed to Citi. The concert is XX/XX/XXXX. This dispute has been going on for 105 days. I have sent proof to Citi Mastercard that what I agreed to and purchased over the telephone is different than what I received. I just want a refund!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found another error from experian with proof I have a copy to prove I disputed this item received a deletion but was never notified and they placed this back on my account / file after they deleted I just now found out The account is from XXXX acct XXXX its unverified account I know nothing of Please remove from y account promptly its affected my credit rating Proof attached Thank you sincerely XXXX XXXX
Product: Debt collection

I have been reaching out to Experian to have XXXX XXXX removed from my report for several months because they are reporting inaccurate information. The debt has been paid since XXXX and has been deleted from XXXX and XXXX. I have filed complaints for XXXX XXXX  and they have provided proof that they have requested the debt be removed from all three credit bureaus. Experian is the only one who has failed to do so. I have attached the company 's response to the CFPB complaint as evidence. I am also a victim of identity theft and have submitted identity theft reports disputing XXXX XXXX XXXX  and XXXX XXXX they have refused to thoroughly investigate my disputes after asking me to provide evidence. I have attached the identity theft report as well.
Product: Credit card or prepaid card

XX/XX/2022 I contacted the customer service number XXXX XXXX from my Wisely card mobile app after a transaction failed to post. After speaking to a representative I was told that the employers account was no longer active, and was told that I would need to upload 2 forms of ID to unlock my account. After the third time uploading the documents with the provided link sent to my phone the representatives continually tell me that they have not been received the documents. 

I've asked them is there other way to verify the information required no response other than to retry it again. 

I've attempted this afternoon to call using the ADP support help center line XXXX XXXX which is ONLY for business clients not employees. So after searching their site and finding a hissycat complaint form I've finished filing my complaint on the ADP website.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect information was reported to the credit bureaus. All of my payments were not credited.
Product: Mortgage

I have had an issue with this mortgage company since XXXX turned it over to them. I have had several issues with this company. 
1. I haven't received a bill, via paper or email since day 1 even though I've made several requests. 
2. I am only allowed to make payments via XXXX XXXX or XXXX XXXX. 
3. I have requested a full audit of my account several times with no response. 
4. Each time I speak to an agent I'm told I owe a different. I'm never able to get an accurate count of how much I owe. 
5. I called today and they told me my house was in Foreclosure but, I'm yet to receive any type of notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX XXXXXXXX {$14000.00} USDOEXXXX  XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXXXXXX  XXXX {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRY TO FIX THIS DATA INFORMATION WITH TRANSUNION CREDIT REPORT WITH THEM THEY WILL NOT FIX MY SCORE ALL THE DISPUTE I PUT IN THEY NEVER ANSWER NOR JUSTIFIED ABOUT THE DATA BREACHES ON MY CREDIT REPORT THEY CONTINUOUSLY LET CREDIT COMPANIES RUN XXXX INQUIRIES AND SOFT INQUIRIES ON MY CREDIT REPORT THEY DO NOT STOP OR DO A SECURITY CHECK ON THIS MATTERNOT ONLY THAT TRANSUNION CREDIT AGENCY STOP OR BLOCK ME OFF FROM SEEING MY CREDIT REPORT ONLINE I HAVE TRIED TO MANY TIMES AND ALSO WENT ANNUAL CREDIT REPORT ONLINE I REQUESTED FROM TRANSUNION, ANNUAL CREDIT REPORT ONLINE THEY REFUSED MY REQUEST TO VIEW MY CREDIT REPORT THIS HAS BEEN GOING ON SERVER YEAR AND MONTHS WHERE THEY HAVE BLOCK ME FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have send out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. Delete : ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( Credit Collection ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to '' paid as agreed, paid on time, never late '' f BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY LISTED TO " PAID ON TIME, PAID AS AGREED, NEVER LATE '' IMMEDIATELY. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO PAID ON TIME, PAID AS AGREED, NEVER LATE OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE : " ( DEPT OF ED/NELNET ) XXXX ACCOUNTS ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey for reasons unknown you all are saying my grievance isn't me. Here I am again battling to get my objection heard because of my freedoms being broken. It's been over 30 days since I haven't heard a single thing from the credit agencies. I have unapproved credit accounts on my credit report that are false
Product: Credit reporting, credit repair services, or other personal consumer reports

-There are two Citibank student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XX/XX/XXXX. I experienced financial difficulty beginning in late XX/XX/XXXX. Despite making minimum payments, Citibank charged-off the account in XX/XX/XXXX. <P/>
-The " second account '' appeared on my credit report in XX/XX/XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two Citibank accounts. I called the number associated with the " first account '' and the recording indicated that Citibank no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service. <P/>-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , XXXX , and XXXX ). The results of my disputes with the major credit reporting agencies stated that the information for both Citibank accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two Citibank accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts? <P/>2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report? <P/>3. Citibank has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection account.
Product: Credit reporting or other personal consumer reports

Unauthorized Furnishing of My Credit Report by Lexis Nexis Disputed bankruptcy record case number XXXX I am filing this complaint against Lexis Nexis Risk Solutions for violating my rights under the Fair Credit Reporting Act ( FCRA ) by furnishing my consumer credit report without a permissible purpose as defined in 15 U.S.C. 1681b. 

Lexis Nexis response on XXXX did not answer my question or provide what I was asking for. I am requesting the following actions be taken : An immediate investigation into why my credit report was accessed. 
A written explanation from Lexis Nexis detailing the justification for furnishing my report. Removal of bankruptcy record case number XXXX Confirmation that Lexis Nexis has implemented measures to prevent this from happening again. This violation not only infringes upon my consumer rights but also poses a risk to my financial privacy and security. I demand immediate corrective action and expect a timely resolution to this matter. Thank you for your prompt attention to this complaint. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with XXXX  placing an unauthorized fraud alert on my credit report and sending the same request to TransUnion and XXXX. After my last letter, my XXXX scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX - XXXX XXXX through XXXX XXXX XXXX on XX/XX/2021 for my business, Next Level XXXX XXXX XXXX. The finance manager told me that XXXX XXXX XXXX does not report to the personal credit file with a PG unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan. I called to return the car and was told that I would need to pay $ XXXX to return the car after they had already sold the car that I traded in. I explained that this was unacceptable, and if I had known this upfront, I would not have purchased the new vehicle. I also called XXXX XXXX XXXX and they are not willing to help either.
Product: Mortgage

My mortgage company charged me for insurance when I already had insurance coverage and this increased my loan amount. I was unable to contact a live person to resolve the issue and have paid the higher amount for a year. I received my new escrow statement and it indicates I have a shortfall ( which happens every year.. why? ) I called the number on the notice and reached a live person. In the process of asking my questions the rep disconnected the line. I have been talking on my phone all day with no disconnection issues. I called back to the new rep and told him what happened and he said the first rep made a note that the connection was bad and the call dropped ( not true ). I asked him to call me back if we were disconnected and he said he could not, that he would have to set up a separate request for a call back, and then the line disconnected again. I made several other calls after with no issue. There is systemic deception and abuse and unfair practices with Wells Fargo.
Product: Debt collection

DiscoverCard had their lawyer send me a letter demanding over {$1000.00} more than what has been reported by DiscoverCard And had falsified responses to this CFPa. 

This is an extreme liability violation. 

You both violated the FDCPA- I warned you and you had a chance to remedy- I am turning this over to a FDCPA lawyer on Friday at noon unless you want to suggest a remedy. You may call me at XXXX up til Friday to offer your remedy to these violations- suit yourself - you need to follow the laws you both make me sick. - and Friday XX/XX/2023 at noon, I am also filing a complaint with the NC Department of Justice- you violated both North Carolina law and Federal law. 

Friday XX/XX/2023 at noon is the cutoff for contacting me to remedy your violations. 

Follow the laws. 
.
Product: Student loan

I am a co-signer on XXXX of my daughter 's private student loans with Navient. XX/XX/2015 I realized that my daughter 's loans were six payments late. I made a good faith effort to bring them up to date by making a payment of XXXX. 
I spoke with Navient specifically about my co-signed loans only, and not the ones my daughter and her mother had signed separately. On each call Navient kept pushing and referring to my daughter 's total loans and not my specific loan payments. 
On XXXX/XXXX/15 I Spoke Navient to reduce my payments of XXXX per month. I gave Navient my debt to income information along with my own Federal student loan debt and my need to pay medical bills for XXXX XXXX. 
On XXXX/XXXX/15 I was told my payments could be reduced to XXXX per month and then a few minutes later I was told that my daughter entered into a loan reduction program that she canceled an due to that cancellation I would not be able to reduce my payments. This is not a miscommunication it 's something else, the loans that I co-signed on were never a part of a loan reduction program established by my daughter or myself. 
On XXXX/XXXX/15 I was told by Navient that there is no way possible that I can reduce my co-signed loans, and also that in order to be removed from the loan as a co-signer that I would have to sign a co-signer waiver and pay a onetime fee of XXXX dollars in one payment to be removed as a co-signer this is not a miscommunication, if all phone calls to Navient are recorded then this would be easy to prove along with Navient 's web site that states that after 12 of on time payments a co-signer can be removed as a co-signer. 
For most of the time these loans existed I was XXXX Military XXXX, I was retired medically with XXXX and at no time was I given an opportunity to reduce payments due hardship or any other reason. If this is n't predatory lending than nothing is. Whether Military, XXXX or Just a U.S. Citizen no one should be treated in this manner. I wish I had enough money for an Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Transunion did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX