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

XX/XX/2024 Subject : Formal Complaint Against TransUnion and XXXX Regarding Inaccurate Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to formally file a complaint against TransUnion and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/2024, XX/XX/2024, and XX/XX/2024, the inaccurate information remains uncorrected. 
XXXX Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit Limit : {$3500.00} Late Payment Reported : XXXX late payment for XX/XX/2024 ( TransUnion and XXXX ). 
Account Status : Open and Current.

Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect 30-day late payment reported for XX/XX/2024 demonstrates a failure to uphold this requirement. 
As per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( TILA ) : Per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/2024 is inconsistent with my payment history, as I have always made payments on time. 
TransUnion and XXXX report a 30-day late payment for XX/XX/2024, while XXXX has no reported history of late payments for this account.

Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency.

Requested Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/2024 from my credit report with TransUnion and XXXX. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Complaint, QWR DVR and demand for TILA disclosures regarding Bankruptcy Claim in case XXXX which automatically generated by XXXX XXXX XXXX XXXX XXXX Mortgage Servicing Platform MSP under glimpse of Discover Bank for the amount of {$1600.00} As of today I never had any chance to communicate with any knowledgeable employee from Discover to validate existence and ownership of this alleged " debt '' In XX/XX/year> Bankruptcy Trustee started distributing my payments from the estate. 
I demand a respond from an authorized employee of the CREDITOR who currently owns the account receivable due from me, with his/her direct contact information who has personal knowledge about receipt of my payments from Bankruptcy Trustee to disclose how much money received Discover Bank from my bankruptcy case distribution between XX/XX/year> to present time. 
Please provide me copies of wire transfer receipts, cancelled checks, ACH evidencing payments to Discover by bankruptcy Trustee in case XXXX Please disclose that Discover did with these payments. Did it keep it for themselves and deposited on the account receivable owned and due to Discover? or forwarded to anyone else? To whom my payments were forwarded and how much? 
Please provide me a copy of the account receivable where these payments were deposited.
Product: Credit reporting or other personal consumer reports

On XX/XX/25 after reviewing my Credit Report I found CITICARDS CBNA showing {$4000.00} as an account listed on my Credit with XXXX. I contacted the reporting Company informed them the Account is NOT my account, the information is inaccurate, False information that has effectively caused a drastically negatively impacted my Credit Score and my Financial well being. Citicard Agent XXXX ID # XXXX did confirm the Account is Not my account and could not be founded but was nothing the agent could do I needed to contact XXXX.
Product: Credit card or prepaid card

Last XXXX, we travelled to NY and stayed one night at the XXXX XXXX ( XXXX XXXX ). The room, one of two elevators were working, construction, etc. was terrible so we left after the first night. We had to call and cancel since there was no actual Lobby due to construction. 
When we came home we were billed for all four nights although we left after one. We were also billed on same credit card for our second hotel ( XXXX XXXX XXXX ) for the same 3 nights. I have been disputing this but credit card company ( Chase Ink. ) has found against me. I have continued to ask for hotel 's response, both verbally and 4 or 5 times and in writing but have only received original reservation. I was told that they admit I cancelled the stay on XXXX, but they FALSELY claim we stayed there until XX/XX/10 anyway.. 

I also provided additional information ( see below ) and could provide more but the credit card company does not answered me. 

[ Following is from our submittal of dispute ] To begin, please see attachment A1, on XXXX there is a Room Service charge in the amount of {$51.00} for a meal. That is the last room service charge of any type on our bill at the XXXX. 
If you look at attachment B and C they prove that we were actually at the XXXX XXXX XXXX. 
Attachment B, shows that we paid for a meal on the Chase Inc card on XXXX when we arrived. Attachment C ( the XXXX XXXX bill ) proves that we not only stayed at this hotel but we had breakfast on XXXX, XXXX, XXXX XX/XX/10. We also had a minibar charge. ( the reason breakfast was so cheap was our room package came with a {$25.00} a day meal credit ) This clearly evidences that we stayed at the 1 XXXX XXXX XXXX and not at the XXXX. The fact that we had meals, and mini bar charges at one hotel and the XXXX has no further room charges evidences they are mistaken. Clearly, I would not pay for two hotels ( or could possibly ) be at two hotels at the same time.
Product: Student loan

I am a teacher and a graduate student taking online classes via XXXX XXXX XXXX XXXX. I started taking classes in XXXX 2015. ACS Student Loan Services took over about {$24000.00} of my student loans and XXXX took the other student loans. I have approximately XXXX student loans. In 2015, I applied for an in-school deferment. I was initially denied by ACS, but I persisted in contacting them, because I knew that I was at least part time, if not full-time and therefore eligible for an in-school deferment. ACS denied the deferment, and claimed that XXXX XXXX XXXX XXXX did not meet their requirements. Over the summer I was sent an email by XXXX indicating that they now met US Dept. of Education requirements for in-school deferment. I summarily filled out another in-school deferment. They yet again denied my request. They are now threatening me with default, and wage garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Lexis Nexis is illegally and intentionally reporting a bankruptcy XXXX on my credit report. On XXXX XXXX I was advised by a XXXX  representative that they validated and verified my account via Lexis Nexis on XXXX XXXX XXXX. I called XXXX XXXX on XXXX XXXX, XXXX to confirm how this was because I put a complete freeze on my consumer report in XX/XX/XXXXdue to fraudelent activities. I was told by a XXXX, ( XXXX ) that i indeed have a freeze and no one including XXXX has access to my report but THEY ( Lexis Nexis ) contacted XXXX on XXXX XXXX to verify and validate the dispute I had with them regarding the inaccurate reporting of the bankruptcy reporting on my consumer report with Lexis Nexis. I was and still in total disbelief that both companies are disregarding the FCRA law as it pertains to how a consumers information is to be validated and verified and reported which is only through the original furnisher which in this case would have been the Bankruptcy Court which they ca n't validate. This bankruptcy that XXXX and Lexis Nexis are illegally and inaccurately reporting on my report has not been validated within the 30 days and must be validated thru the original furnisher and was not. I plan to sue both Lexis Nexis and XXXX for their unethical business practices if not removed immediately as required by law. Please assist in giving them guidance and instruction on this matter. It 's blatant Lexis Nexis has broken the law and provided someone with my information with out authorization after my report was frozen and it 's blatant that XXXX did n't verify the dispute in accordance with the law because they ca n't but they continue to report rather than delete as required. They claim they both contacted each other to verify so how did it get verified if either party verified. I do n't have a bankrupty reporting on any other credit bureau but XXXX.
Product: Checking or savings account

My cell phone was stolen and the criminal got into my online Chase and  XXXX accounts. They stole every penny I had ( over {$6700.00} ) by XXXX ( I don't use XXXX ) and  XXXX XXXX. I put in a claim with Chase which they reversed about {$6000.00} ( only the XXXX payments ) then they took they money back causing my account to be over drafted by {$510.00}. I refused to pay that so they closed my account after 60 days. I am the victim of a crime in which I went to the police department. I was told that they were going to resubmit a second claim. This never happened. I just want my money back that was stolen. I have proof that the money was sent to someone I do not know. This crime was performed on XX/XX/XXXX and  XXXX XXXX  2021. The compromised account # XXXX. The replacement account number was # XXXX ( which they closed on XX/XX/XXXX ). Because I had no money and was unemployed at the time, I had no money to pay my cell phone bill and rent. XXXX ultimately close my account also so I have two collection accounts on my report. There were MANY sleepless night and fear of uncertainty living as a homeless person. Feel free to call ( XXXX ) or e-mail me if you need any other information or need to contact me until I am able to purchase a new phone.
Product: Credit reporting or other personal consumer reports

I noticed several years ago that Experian had my credit score very low ( the other agencies show my score in the XXXX 's range ). I called and spoke to a representative and she told me she did not know why my credit score was so low as credit appeared excellent. She then suggested to we take all my former married names off the account. We did that however nothing changed. I wrote several letters inquiring what information they had to warrant such a low score and I heard nothing. I finally got an account with them and started a barrage of emails to them. They keep emailing me back with a random response saying I had no credit history and that for {$29.00} a month I could improve my score. I have never received any explanation why they show my credit score so low ( XXXX ) even though i have begged them to investigate. This is hurting my credit as some of the credit cards I carry use Experian as their reporting service. I am XXXX XXXX XXXX and really am offended that a reporting company can arbitrarily give out false information without any explanation to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX to monitor my credit. I know that one of their partners is Lending Point. I see the ads all the time when Im checking my credit score/report. Today I received a credit score disclosure from Lending Point in my email. I didnt no apply for any of their products. I didnt not authorize XXXX XXXX to share my info and Im concerned that a loan was applied for with my personal information. I do not have a new inquiry on my report, but I have no way to contact either company to verify that no loan was taken out in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian to have this issue solved. They did help a little bit but have missed a few items that still do not belong to me due to fraud. I did put a fraud protection alert on my credit profile. 

Items that do not belong to me XXXX XXXX- XX/XX/XXXX Inquiries not made by me are listed below, XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX , XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 
This company continues to report a 30 day late payment to Experian, XXXX XXXX XXXX from XXXX of 2018. 

My account was reported closed in XXXX of 2018 through XXXX XXXX XXXX. I sold this car in XXXX of 2018. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Debt collection

COMMONWEALTH FINANCIAL XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Creditor above is reporting erroneous defamation on my XXXX for some medical bill that is NOT mine! I wish to file a complaint against this debt collector If this debt is mine, send me a HIPPA signed document which they should not have since i never went to this company!!!
Product: Debt collection

I doesnt know the exact date but on my credit report it shows XXXX. I had reported to the credit card company that my identity was stolen and I even told them that I wasnt financial stable to pay to receive a police report and I also explained this to a representative the representative told me to find a job so I could pay to get a police report at the time I was going through a XXXX XXXXXXXX. The company showed no remorse and continued to call about the debt I wasnt aware about.until the frequency phone calls early in the mornings
Product: Credit reporting or other personal consumer reports

Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. IN accordance to the FAIR CREDIT REPORTING ACT, XXXX account number XXXX, XXXX, XXXX, XXXX and as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX has violated my right 15 USC 1681 602 a states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnishn an account without my consent if you have any questions or concerns i can be reached at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute through Experian to correct an error regarding a car loan through XXXX XXXX that shows that the loan was discharged due to a XXXX  XXXX. That information is incorrect. The loan was not discharged due to a XXXX  XXXX. As a matter of fact the XXXX  XXXX was dismissed. It was never discharged. XXXX XXXX was initially listed as one of my creditors on the XXXX  XXXX filing, however the loan was satisfied the year before by my insurance company, XXXX, and my gap insurance, as a result of a hit-and-run that caused my car to be totaled. The loan was paid in full from both parties. I have documentation supporting that fact.
Product: Debt collection

I want these inquires to be deleted because I didnt authorize these companies to run my credit, its fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  that opened last XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2017 Discover had to have some mix up with their billing dept because they reported a late payment on my account of {$5.00} ... I informed them that statements were n't coming in the mail nor was a courtesy call placed that the {$5.00} would be reported late if payment was n't made.
Product: Credit card or prepaid card

XXXX, 2022 - invitation to meeting for vacation in XXXX XXXX XXXX TX with XXXX Wyndham . Time share presentation with beautiful promises and as well Misrepresentation of the plan system along with Non disclosure of important keys information such as cancellation policy window of 5 days before contract is binding possibly intentional and told customer that they can cancel anytime instead if they do not like it. 
- Credit card Barclays Wyndham rewards, partner of the resort, is used as enforcer by harrasing customer with day and night phone calls, damaging my credit status to pay back a hefty down payment of $ XXXXplaced on my account with no proper consent and authorization to open a new credit card. The request was toobtain personal information to check our credit status. 
- after several requaest by phone and in writing to Credit card and merchant Wyndham the charge remaines onthe credit card statement. Initially on XX/XX/XXXX, credit card company sent a letter of clearing the balance and closed the account, and after reopenned a new account some of the carges by the mercahant and re posted the initial down payment charges to the new card. No clear reason!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$0.00},. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

In XXXX I contacted the office of lacy katzen tool make a payment plan to settle a debt. I first was on the phone with one personWho kept repeating herself about a my financial situation regarding to my payment to the account in question. I told her you keep repeating yourself as if she was trying to make me feel bad about the situation.So calmly I ask can I please speak to someone else. When the other lady got on the phone I heard in her voice that she may have talk to the other person because her tone was very throw off-ish as if she did not want to deal with me. I remain calm cool and collected proceeded to tell her what was going on and then she made false statements about my income that I make. Also she claimed to know when I get paid as if I get paidAs other people with in the profession. They were very rude and very unprofessional and Im the one that caused them to try to set up some sort of agreement.