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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by TransUnion Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX Account Number : XXXX Reported Late Payment : XX/XX/XXXX High Balance : {$160.00} Balance Owed : {$0.00} Account Status : Closed, Paid Evidence of Errors : Discrepancy in Reporting : TransUnion incorrectly reports a 30-day late payment in XX/XX/XXXX. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX made a mistake and had my legitimate accounts by XXXX XXXX flagged as XXXX. I've since then been given the runaround since XX/XX/XXXX from XXXX passing blame on to XXXX XXXX to resolve this issue. On XX/XX/XXXX after speaking with XXXX with XXXX XXXX XXXX dispute application department and was once again told that XXXX will need to contact XXXX  XXXX and acknowledge the error since I never disputed the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 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
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the erroneous items from my file caused by incorrect credit report information. However, there are still items that need to be addressed. This is my new complaint as I have been affected by inaccurate credit report data. I am disputing a particular account in my file due to this issue. The account I am disputing is not related to any transactions involving the possession of goods, services, or money that I have made or authorized. Specifically, please remove the following item from my credit file due to incorrect information : XXXX XXXX XXXX Date opened : XX/XX/2021 XXXX Balance : {$0.00}. This account is unknown to me. Additionally, the information for this account has been deleted from other bureaus, which raises doubts about its accuracy. The reported payment history on the account is also unfamiliar to me. As required by FCRA 605B ( c ) ( 1 ) ( C ), please decline or rescind this information.
Product: Student loan

I submitted my IBR ( Income Based Repayment Plan ) Documents electronically to Navient on XX/XX/XXXX via the Studentloans.gov site. On XX/XX/XXXX, Navient confirmed that they did receive my application and as long as my income information was included there was no further action to take on my behalf. I did use the IRS income tool, so everything should be included that is needed on their end. 

As of XX/XX/XXXX, Navient has not even begun to process my IBR claim and they continue to send me statements, delinquency notices. The latest notice I have is dated on XX/XX/XXXX. I have contacted Navient twice so far via email to ask what the status is of my IBR claim and about the Public Service Employee Forgiveness request I made. They responded in regard to the Public Service forgiveness request, but didn't respond in regard to the status of my IBR claim ; they only mentioned that my account is delinquent and I need to submit an IBR request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some information on my credit that is not associated with me. I would like for them to be removed the inquiries thats on my account. Its not mine, and a few other items that on my account needs to be updated such as my name my address in my phone number
Product: Debt collection

I received a letter from  XXXX   XXXX   XXXX  on   X/X/XXXX  cl aiming they are collecting a debt in the amount of {$460.00} from an account in my name from  XXXX   XXXX . I do not owe this, so I contacted  XXXX   XXXX   XXXX  immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on  X/XX/XXXX  and filed a complaint about this issue.  XXXX   XXXX   XXXX  responded to me through online portal for CFPB on  X/XX/XXXX  stating that they would stop all contact and collections until they had sent me validation. 35 days have past I never received validity of this claim. However,  XXXX   XXXX   XXXX  has reported on my credit file under the name  XXXX   XXXX   XXXX  and also under the name LVNV Funding LLC as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a  XXXX  digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me twice with their claim. They claim an account number ending in  XXXX  is an account they own and are collecting from me, but after 35 days has not given me any validation to this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I STRONGLY BELIEVE THAT SOMETHING COULD BE DONE SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. Please find the details below : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing to file a complaint against the financial institution that operates within my local XXXX grocery store. I have been subject to a series of unauthorized actions and fees that have not only resulted in the depletion of my bank account but have also led to a negative report on my credit card. This, in turn, is significantly impacting my XXXX XXXX and hindering my plans to purchase a house. 

In brief, XXXX was running a promotion that entailed the provision of a bonus or reward if customers deposited money into a new bank account. As per this scheme, I opened an account and made the required deposit. However, contrary to what was promised, I never received any sort of communication, reward, or bonus in the mail. 

Several months later, I noticed an adverse effect on my credit card status and subsequently discovered that my account had been completely drained. Further inquiry revealed that the financial institution had levied numerous fees on my account without my knowledge or consent, ultimately leading to an account balance that stood in the negative. 

In an attempt to resolve this issue, I made multiple calls to the financial institution 's customer service department, only to be met with indifference and uncooperative behavior. The representatives not only failed to provide any substantial information or assistance but also hung up on me multiple times. 

Given this ongoing issue, I request your immediate intervention to investigate the matter and rectify the erroneous reporting on my credit card. I have been a responsible customer and have always made a concerted effort to manage my finances effectively, and this unwarranted situation is causing me undue stress and financial hardship. I believe that I am entitled to fair and transparent treatment and a clear explanation of the fees that have been charged to my account. 

Attached to this letter are copies of my bank statement and the credit card report that clearly shows the negative impact. 

Thank you for your attention to this matter. I look forward to a thorough investigation and a fair resolution.
Product: Credit reporting or other personal consumer reports

I've identified unfamiliar items on my credit report, indicating potential identity theft as I did not authorize these accounts. Previously addressed, I urgently request the removal of these accounts to alleviate the stress they cause. Their presence distorts my true credit history and financial responsibility, complicating matters significantly. Should resolution not be promptly achieved, I am prepared to pursue legal action to safeguard my rights and seek a remedy. These erroneous entries obstruct crucial financial objectives such as homeownership and supporting my family. A swift resolution to this issue is paramount.
Product: Payday loan, title loan, personal loan, or advance loan

I cashed a check with the agency, and it was a check from my bank which was cashed agency then said i certified for repayment when that's my check they said insufficient funds i said no its not i received my funds and my bank said check was cashed and good check into cash in XXXX XXXX  soon called me about this matter in XX/XX/XXXX when i cashed my check with them in XX/XX/year> they issued out a warrant saying it's a bad check when it's not false accusations
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed that I have XXXX medical debt collections on my XXXX and XXXX credit report. 

The collection was reported to the credit bureau on XX/XX/XXXX. 

My date of service at the hospital was XX/XX/XXXX - XX/XX/XXXX. 

That is a direct violation of XXXX and the

No Surprises Act. This is also a direct violation of the FCRA as the credit bureau 's are inaccurately reporting a medical collection debt that cle
arly violates XXXX and No Surprises Act. 

According to the XXXX XXXXXXXX XXXX XXXX, medical debts can not be reported to credit bureaus until they are at least XXXX  days past the date of first delinquency/service. With date of service being XX/XX/XXXX, and the collection being reported on XX/XX/XXXX, that is less than 180 days and is a direct violation of XXXX. 

According to the No Surprises Act, providers must give patients an opportunity to resolve billing disputes before sending them to collections. I disputed the hospital charges as they were excessive with my insurance company and my insurance company was working that out with the hospital when I received a collection letter in the mail. 

I have attached my medical bill from the hospital showing the dates of service. I also attached proof of the payments I was making while I was waiting on my insurance company to resolve the dispute. I also attached the certified letter and mail receipts I sent to the secondary reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone on experian.com to dispute an address that is on my credit report that doesn't belong to me. This was disputed on XX/XX/2023 it it was never removed. I've been at the address that's on my ID for a couple of years now.
Product: Mortgage

I filed a previous complaint against Seterus but after reading through a little more of the XXXX correspondence they have sent in less than a week, Seterus needs to back up and back off. They are sending extraordinarily aggressive, demanding, and unprofessional correspondence especially considering they do not have the facts of this matter and even more especially considering that I have no clue who this company is. 

The 'backing up ' is they need to introduce themselves and present me with information and documentation on who they are and under what authority and authorization they are contacting me. It sure could appear to be a scam when someone aggressively contacts you demanding thousands of dollars and making aggressive threats if do not pay it immediately. If it is legitimate, I would assume there should be documentation from XXXX as one of my outstanding issues with XXXX XXXX XXXX is they never provided such documentation and also were barking orders ... 

So once Seterus, or more like XXXX, provides that information, then Seterus can open up discussions and this is then we begin addressing the fact that the information they have is incorrect as already mentioned in the previous complaint. 

Based on the correspondence received, I am very suspect that Seterus has violated rules and/or regulations as you ca n't just start flooding people with correspondence and making extreme demands and threats and especially without proper documentation too all aspects of the correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX, XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are incorrectly reporting payment history for my mortgage with XXXX XXXX. The mortgage was paid in full. I have never been late with payments. I want this corrected because they have negatively impacted my credit. They reported late payments and dropped my score nearly XXXX points. Once the load was paid in full my score went up only XXXX points. The credit bureaus are purposely keeping scores low in order to help companies charge higher interest rates to consumers especially XXXX XXXX XXXX. The game is rigged. Its sickening and I plan to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed a Chapter XXXX with XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was discharged on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with XXXX XXXX  that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that XXXX XXXX XXXX  our mortgage carrier had placed a lien on our home. We were never contacted by XXXX XXXX concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its XXXX XXXX! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been discharged in a Chapter XXXX ( {$23000.00} ) XXXX XXXX should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, XXXX XXXX should have contacted us about the company approaching them with some alleged bad debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score dropped XXXX after I called and complained about an dispute with out any explanation! As to way it down the company is tampering with my credit report I was sent to three different departments from dispute to fraud to a supervisor that could not help back to dispute this has gotten out of hand with Equifax!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Product: Consumer Loan

Bought a lemon Smart Car from XXXX. Six months later needed tires and XXXX did not cover under warranty. The loan was with TD auto Finance. I filed bankruptcy and the loan was included in the BK which was discharged on XX/XX/2013. On XX/XX/2013 I voluntarily surrendered the vehicle. TD auto Finance is showing on my credit that I still have car payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 creditbureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorizedto fail to validate this reporting account as unverified information without providing any proof within the periodallowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listedon my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

American Credit Acceptance reported my account late for XX/XX/year>. I made the payment prior 30 days. Something happened with the direct deposit from my Veterans Administration XXXX check so the bank returned the payment. When I became aware of this I immediately went to make a new payment. I am requesting consideration to have this updated. I made the payment on time and did not realize that the bank was going to have a problem with my account.
Product: Mortgage

I began working with Intercontinental Capital Group Inc. on XX/XX/XXXX on a VA cash-out refinance. Up until today XX/XX/2021 we still have not closed on the loan. Throughout the entire process I've been ask for the same document on multiple occasions, been asked for documents that should have been requested earlier on in the process at very late stages. I've been told on multiple occasions the delay has been related to the cornavirus, not sure how that affects the lending industry, as well as record numbers of applicants applying for refinancing. I've threaten to take my business elsewhere but doing so would erode the interest rate I have locked in with this company, costing me thousands of dollars on top of what this company has already cost me. 
On XX/XX/2021 I received a notice that the title was cleared, it took nearly another week but on XX/XX/2021 I received the clear to close. They finally scheduled the closing for XX/XX/2021, however 30 minutes prior to the scheduled closing received a call from the escrow company stating they haven't received the closing documents and it was canceled until further notice. I still haven't received an update from the mortgage company outlining why this happened or when I'll close. In the mean time, I've now made another current loan payment losing another {$1600.00} in interest that I'll be unable to recoup. This is on top of the payment in XXXX I was told we would close by and the rate creeping up by XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute inaccurate account information that is being reported on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing sections 602, 604 ( A ) ( 2 ), and 1666B of Title 15 USC.

Under 15 USC 1681 section 602, I have the right to privacy regarding my credit information, ensuring that it is accurate and reflective of my financial history. 15 USC 1681 section 604 ( A ) ( 2 ) further emphasizes that a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. 

Upon reviewing my credit report, I have noticed discrepancies that are in violation of my rights under the FCRA. Specifically, I am concerned about late payment notations on certain accounts. According to 15 USC 1666B, creditors are prohibited from treating a payment on a credit card account as late under any open end consumer credit plan, for any purpose. See Attachments...
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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