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

CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date of Submission : XX/XX/XXXX Bureau Information : - Bureau Name : TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. 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.

3. Potential Violation of 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.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Requested Resolution : I request that TRANSUNION conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : ( If applicable, list any documents you are including with your complaint ) Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

SPS servicing has done nothing but give me the run around. I am the heir to my parents home which has a mortgage serviced by SPS. For two years they have done nothing but tell me to turn in paperwork that i have already sent in four times. I have sent a copy of my mothers will, her death certificate, as well as my fathers. I currently unemployed but have viable and sufficient work expected within two weeks. At one point after faxing the requested paperwork for the second time i was told that i was the successor in interest and they communicated with me openly. Several months later, I tried contacting the company again only to be told that i was NOT the successsor in interest and that i needed to send the same papers for the third time. I believe SPS is slow playing me to foreclose on the house intentionally. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit reports it has been well over 30 days in I haven't received any investigation reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services  has violated my federally protected rights. Clarity infringed upon my rights to privacy violating 15 USC 1681. Clarity also reported inaccurate, false, misleading, unverifiable information causing me denials and failing to report maximum accuracy. Clarity Services employees/agents is using my consumer report with Extortionate means to coerce and swindle me into paying there business partners violating code 18 USC 894 and assume criminally liable and can be fined up to 20 years in jail. You are not on notice to Cease Communication from me from all mediums including my consumer report.. Remove all reporting information that Clarity Services have. Failure to comply will result in Matters in Legal Court for damages
Product: Vehicle loan or lease

I am a victim of identity theft. Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. I have included a copy of the FTC report, as follow ; I am a victum of identy theft and inaccurate information. After reviewing my credit reported by Experian, I noticed fraudulent account being reported, XXXX XXXX XXXX XXXX XXXX XXXX. This is an issue of material fact and there is no doubt the evidence is insufficient and is genuine of the material fact, and must be resolved against Experian. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX ( XXXX XXXX ). Please remove this item. Congress inacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) ; see FTC Report NumberXXXX ; see CFPB Complaint Number : XXXX
Product: Debt collection

I am writing to delete the following information. I am a victim of identity theft and did not accumulate the amount of {$1200.00} in electricity bills. XXXX XXXX XXXX has turned this debt over to First point collections resolutions to resolve this matter. I ask that this item be deleted to correct my credit report. I reported the theft to my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my information to obtain credit and now i have collections that i have no ideal about.
Product: Debt collection

Allied Collections is the collection agency that is reporting a Negative amount on my report with the three major Creditors XXXX, XXXX, XXXX. I have contacted them with proof of the alleged debt to no avail, they have even return my mail sent for there response. I mailed to their P.O.Box as well as their Physical mailing address the address used on the credit report or the address in our local listing. I have sent three letters demanding a response. I finally sent a regular letter and it was the letter stating they have violated the FDCPA Law. I have been dealing with this problem for three months and i have gotten no where. I am a senior and i need this updated because it is affecting how i apply for housing and other things to live.
Product: Debt collection

I contacted the collection agency called AFNI about an account on my credit file that doesn't belong to me and tried to settle with them because i'm in escrow on the purchase of my new home and need it deleted from my credit report right away. They told me that they wouldn't accept anything less than {$1000.00} and i stated that it's not mine but i need it gone off of my file. I even asked for some proof of a contract or something with my signature showing the debt belongs to me and they refused.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute & Notice of Intent to Sue Fraudulent XXXX XXXX  ( XXXX XXXX ) Account To Whom It May Concern, I am formally disputing the inaccurate and fraudulent reporting of an XXXX XXXX XXXX XXXX XXXX  account on my TransUnion credit report. This account does not belong to me and was fraudulently opened using my stolen personal information. I have already submitted extensive documentation proving my identity theft, yet TransUnion has failed to comply with federal law by refusing to permanently remove this fraudulent account from my report. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. Failure to Block Fraudulent Information ( FCRA 605B - 15 U.S.C. 1681c-2 ) I provided an LAPD Identity Theft Police Report, an FTC Identity Theft Affidavit, my government-issued ID, and my Social Security Card. TransUnion is required to block this fraudulent account within four business days of receiving my dispute and evidence. Your failure to do so is a clear violation of federal law.

2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 - 15 U.S.C. 1681i ( a ) ) TransUnion is required to conduct a reasonable reinvestigation within 30 days. I have provided irrefutable proof that this account is fraudulent. Any continued reporting constitutes willful noncompliance.

3. Failure to Provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I demand that TransUnion produce verifiable documentation showing how this account was verified as mine. If no verifiable documentation exists, this account must be deleted immediately.

4. Furnishing Inaccurate Information with Reckless Disregard ( FCRA 623 - 15 U.S.C. 1681s-2 ) GS Bank was notified of this fraud and failed to correct the error. Since TransUnion continues to report this account despite receiving evidence, this represents reckless disregard for accuracy under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting agency is reporting XXXX XXXX inquiry that I do not recognize or authorized. I am asking that Transunion immediately remove XXXX XXXX inquiry off my credit report immediately based on the federal fair credit reporting act. I have requested several times with Transunion to have XXXX financial inquiry to be removed.
Product: Credit reporting or other personal consumer reports

My credit file has incorrect information being reported to it by XXXX XXXX, a credit card was opened without my knowledge and without my authorization. the account associated with my name without my knowledge or authorization was reported over the credit limit on the XXXX day of XXXX XXXX, causing my credit to decrease. The account was also closed. This company has no proof of any authorization from me to open this account, they just have information that other companies have that someone used to conduct fraudulent activity against me. They are causing me emotional and financial distress. The fact that I was on XXXX XXXX XXXX stationed in XXXX when this account was opened should prove my innocence, I can't open a stateside account in another country.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by XXXX on my accounts that lingered old accounts way past its statute of limitations. XXXX is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with XXXX has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to XXXX many times but received nothing in return. XXXX needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.
Product: Credit card or prepaid card

TD Auto Finance accepted my Bill of Exchange tender payment on XX/XX/2022 and sent a congratulatory letter post dated for the XXXX stating my account was paid in full. Then I received a letter on XX/XX/2022 with no post date but dated XX/XX/2022 claiming that I submitted a tender fraud instrument. These words were abusive, deceptive, obscene and profane language in addition to harassing me with phone calls twice a day. One day I was happy and celebrating and now I am sad and being caused undue stress.
Product: Debt collection

I sent a debt validation to this company on XX/XX/23. I sent this via XXXX certified mail and it was delivered XX/XX/23 at XXXX. I asked for a debt validiation within 30 days and have no heard back from the company with any communication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the ongoing inaccurate reporting of an account with XXXX XXXX XXXX on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX TransUnion Report Details : High Balance : {$29000.00} Last Verified : XXXX/XXXX/2023 Date of Last Activity : XXXX/XXXX/2023 Date Reported : XX/XX/XXXX2023 Date Opened : XX/XX/XXXX2020 Balance Owed : {$0.00} Closed Date : XXXX/XXXX/2023 Account Rating : Derogatory Account Description : Joint Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Repossession Creditor Remarks : Payment after Repossession Payment Amount : {$0.00} Last Payment : XXXX/XXXX/2023 Term Length : XXXX Month ( XXXX ) Past Due Amount : {$0.00} Account Type : Auto Loan Payment Frequency : Monthly XXXX XXXX XXXX {$0.00} Specific Issue : This account was charged off on the following date : XX/XX/XXXX. Since that date, the account has been repeatedly updated as " charged off '' every month. These repeated updates in the payment history are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, it should not include an active payment history. The continuous updates falsely extend the statute of limitations on this debt, causing harm to my credit standing. 

Violation of Rights : I have previously requested that this matter be investigated twice, but your neglect to address the inaccuracies has resulted in a violation of my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The continued reporting of inaccurate information after multiple requests for correction is unacceptable. 

Demand for Deletion : Given the persistent inaccuracies and the failure to correct this issue, I am now demanding the deletion of the account from my credit report. The following account details must be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reporting Agency : TransUnion Requested Action : I urge the CFPB to take immediate action by ensuring that the creditor, XXXX XXXX XXXX, conducts a thorough investigation and deletes this account from my credit report. Failure to do so will compel me to explore further legal avenues to protect my rights. 

Thank you for your prompt attention to this serious matter. I expect to receive confirmation of the deletion and correction of my credit report as soon as possible. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

The spelling of my name is incorrect on my Equifax credit report. I am filing a derogatory mark complaint to have this updated to the correct spelling of my legal name. The correct spelling of my name is : First Name : " XXXX '', Middle Name : " XXXX '', Last Name : " XXXX ''.
Product: Credit card

The situation involves a notice from American Express dated XX/XX/year>, regarding a XXXX XXXX XXXX XXXX  account ending in XXXX. The letter informs that following a recent review, American Express has assigned a {$3000.00} Preset Spending Limit to the account. The reason given for this decision was that the average of recent payments, in relation to the balance on one or more American Express accounts, was considered too low. 

As a consequence of this change, if the outstanding balance plus any unposted charges exceeds {$3000.00}, further charges may be declined. This new spending limit affects all cardholders on the account. American Express may approve charges exceeding the limit at its discretion, but those charges will still need to be paid. 

The notice provides options to contact American Express for more information or request a review of the decision, which must be done by XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I attempted to withdrawl my XXXX and XXXX from my Block fi cold wallet. 
All withdrawls are disabled
Product: Credit reporting, credit repair services, or other personal consumer reports

I complain about the erroneous items in my file that I am sure are not mine, but still the disputed items are appearing in my report, I want the items which came about as fraudulent. 

Please remove the following items for they are fraudulent/erroneous : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, my family and I went on a vacation to XXXX. While there, we were invited to attend a " free '' presentation to receive some discounts on local attractions. It turns out, we signed up for some sort of timeshare for over {$4500.00}. When we discovered our mistake, we tried to cancel immediately, and this is where the issues have occurred. 

I was told I have to send in a signed copy of the cancellation letter to " XXXX '' via email by XX/XX/XXXX which I did. I also submitted follow up emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and never received any response or acknowledgment from this company. 

I made the horrible mistake of assuming it was cancelled. I received no contact from this company for months. 

On XX/XX/XXXX, I received an alert on my credit report that my " debt '' was transferred to a collection agency named XXXX XXXX XXXX for {$4500.00}. I've tried disputing the debt with the credit bureaus and have been unsuccessful in getting them removed. 

Long story short, my credit has been ruined due to this collection amount. It is something that I cancelled within the allotted time, and also something I've never used. I think these two companies are using predatory tactics to steal money from me. And it is unfair that all my hard work trying to repair my credit is all ruined because of these scam artists. 

I've attached copies of the cancellation letter as well as the follow up emails showing that I did cancel this in the proper methods.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorization. One Main Financial, XXXX XXXX, XXXX XXXX are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized and promises of no reporting were made verbally over the phone for One Main Financial. I do not have recollection of who the other two companies are that are reporting : XXXX XXXX  and XXXX XXXX are reporting on XXXX during/after the FTC reported XXXX breach .
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I have no knowledge of the accounts on my credit report. 

The accounts that I dont have knowledge of is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card at XXXX XXXX  XXXX was requested using my information as well as a credit report pulled without my authorization. I received a text message stating that my credit was approved.
Product: Credit card

I wrote a cash advance check for {$5000.00} in a cc with {$11000.00} available credit. Although I was not notified, and contrary to the same bank previous practices in another cash advance check I used in XX/XX/XXXX, this time Bank of America ( the card issuer ) eliminated the " grace period '' in all purchases charged to the card! So that, although I kept paying my purchases in full as before within the ( now ) grace period and keep the end-of-the-month balance below the {$5000.00} ( spent on the cash advance I was supposed to have to pay by XXXX XXXX, I am now being charged interest on any purchase on the card. Basically they changed the card terms besides the credit they provided relative to the cash advance. They surreptitiously eliminated the 'grace period ' that had always been applied to all non-cash-advance card purchases and starting charging me interest even when the non-cash-advance card balance was paid in full within the customary grace period I never thought would be affected by me accepting the crad ' cash advance offer, for which I provided due consideration in the form of a cash-advance fee of about 4 % on the {$5000.00} cash-advance.
Product: Credit reporting or other personal consumer reports

Citi bank did not mail billing statements during XXXX never knew old {$60.00} charge was billed. Charged me {$120.00} late fees on {$60.00} amount. Account was cancelled during XXXX and I used another Citi bank card which I paid off $ XXXX {$3000.00} balance each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA!

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX