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

XX/XX/XXXX Subject : Formal Complaint Against Equifax Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX  Account Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( XXXX XXXX Account Rating : Closed Account Description : Individual, Closed or paid account/XXXX balance Dispute Status : Account not disputed Creditor Type : Auto Finance ( XXXX ), Auto Financing ( XXXX and Equifax ) Account XXXX : Closed Payment Status : Current Creditor Remarks : Closed ( XXXX and XXXX ), Closed or paid account/XXXX balance ( Equifax ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$0.00} Two-Year Payment History Discrepancies XXXX : Reports XXXX late payment for XX/XX/XXXX, which is inaccurate. 
XXXX : Reports XXXX late payment for XX/XX/XXXX, conflicting with other bureaus. 
Equifax : Reports XXXX late payment for XX/XX/XXXX, which does not align with payment records. 
Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In XXXX, I opened a business checking account with US Bank in response to a promotion that it was running : open an account, deposit {$3000.00} into it within 30 days, maintain the balance for 60 days, make 5 transactions, and receive a {$400.00} bonus within 45 days of meeting the requirements. I met the requirements on XX/XX/XXXX, so I should have received my bonus payment no later thanXX/XX/XXXX I still hadn't received the money on XX/XX/, so I called the bank, and the rep that I spoke to confirmed that I qualified for the bonus but didn't tell me when I would receive the money or make any apologies for not paying me the {$400.00}. For a bank that claims to be " ethical, '' I find it interesting that it avoids paying bonuses on promotional offers that it runs. There is no doubt that if I hadn't called the bank, I never would have received a XXXX, and I still have no idea when I'll receive my {$400.00}. 
US Bank is still running the promotion, but the bonus has been bumped up from {$400.00} to {$500.00}, and there's no longer a transaction requirement. My account number is XXXX XXXX XXXX. My account balance still has never been less than {$3000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Identity Verification Documents To Whom It May Concern, I am writing to provide the necessary documentation to verify my identity for the purpose of addressing matters related copies of the required identification documents as per your guidelines.

The following documents are enclosed for your verification : 1. A copy of my government -issued photo ID [ drivers license, front and back etc. ].

2. A copy of a utility bill that confirms my current address.

A copy of my social security card with my social security number on it. 
Please update your records with the provided information and use it to resolve any pending issues related to my credit report. 
I appreciate your prompt attention to this matter and look forward to your confirmation of receipt. 
Sincerely yours, XXXX XXXX
Product: Bank account or service

When recently signing paperwork to open a checking account at Chase Bank, three separate banking staff members assured us, when we expressed concern at the need for a credit check, that the credit check would only be a " soft '' one and not impact our credit. 

However, upon reading the documents I signed, Chase was requiring that I permit a full credit check and/or employment check, at their discretion. 

I am wondering if there is any recourse when verbal assurances are contradicted in the printed governing document, for consumers who are not savy enough to check fine print to confirm what we 've been told, repeatedly? 

Chase should not allow their staff to assure that these checks are " soft '' pulls of an applicant 's credit. To me, this approaches a predatory practice, with deceitful verbal assurances. 

Thanks for any help you can provide.
Product: Vehicle loan or lease

Its about my car loan. I have a letter from credit acceptance that this car XXXX XXXX XXXX was paid in full by XXXX XXXX. My car was in 2 accidents. 
Contract pay off account # XXXX 2019 XXXX XXXX From paid accounts processing department.
Product: Vehicle loan or lease

XXXX $ Date opened XX/XX/2018 I spoke to the owner ( XXXX ) of the company ( leaders financial company ) And he removed that and added it to the new loan I took that time and I paid of everything to the company Not sure why it showed late payments in my account for almost a year or more
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CASH APP ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection ACT ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I was looking for a job at XXXX, a company called XXXX XXXX hired me for remote job. They sent me check to buy the equipment. Before that they yold me to buy crypto currency and deposit what I had through XXXX. The check bounced back and now my account is negative balance by thousands. The bank can not help me I already explained them the situation.
Product: Checking or savings account

I am a XXXX living in Oklahoma. I continued to use XXXX XXXX XXXX  while I am away because it used to be easy to use the mobile deposit option or have family to deposit money into. 
I recently tried to deposit a check for {$7500.00} through the mobile deposit option. It took several days, but after talking to several people at the bank, we got it worked out. The money hit my account the very next day-I was warned it might take up to two, but it was quicker than expected. 
Again, the money was approved and in my account. 
Two days later, I go to XXXX from XXXX  XXXX for an errand. My card was not working. I checked my account. The bank had withdrawn the {$7500.00}. 
The consequences of this are : late rent, a returned check fee, another trip to XXXX, and three missed XXXX XXXX classes. I am still waiting on information to calculate full damages, but I have it at at least {$1000.00} right now. 
i contacted the bank several times. They claim to have real bankers with real solutions-a quote from their automated customer service line. I memorized it after waiting on hold for hours. 
When I finally got ahold of of them, they, at first, said there was no issues. They then recanted this statement to the XXXX, and said they did in fact make a mistake. 
I asked the bank for {$500.00} reimbursement. They refused and will only pay the expenses in regards to the rent and the returned check. 
I am very unhappy. I am a lXXXX XXXXXXXX I do not believe that this was legal. I could be wrong. 
Please help me with this situation.
Product: Debt collection

In accordance with the Fair Credit Reporting Act convergent accounts 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 an account without my written consent. Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Info Account Name XXXX XXXXXXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$1500.00} Highest Balance - Terms 1 Months On Record Until XXXX XXXX
Product: Credit card or prepaid card

Notified by Bank of America of fraud on my credit card via voice-mail and when I logged into my account on XXXX XX/XX/2022. MY CARD WAS DECLINED FOR TRnsCtions on XXXX XX/XX/2022. I called them on XXXX XX/XX/2022 and verified that the transaction for XXXX dollars on XXXX XX/XX/2022 I did not authorize and this was listed on my account as an ACH Payment Refund. I called Bank of America again and they told me to go into one of their offices. I went into Bank of America offices on XXXX XX/XX/2022 so the could verify my identity and talk to fraud personnel for the third time. They said the investigation would take up to 60 days. During my second call they said they would send me a cashiers Check. I have received different information each time I have called the fraud department about the circumstances of what happened and the resolution, very confusing/misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account showed up on my credit report that is not mine. On   XXXX   XXXX   XXXX     I sent a debt validation request to Macy 's credit card department and i requested a copy of any credit agreement that i had ever signed with them or to stop reporting it to the credit reporting agencies. Macy 's responded with a letter dated     XXXX   XXXX   XXXX   providing  " As you requested a copy of your billing statements ''. I never requested anything except a copy of any signed agreement that they say i have with them. They ignored my request and sent a bunch of billing statements that i have no idea about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX all the accounts will be highlighted on credit report as well its XXXX that are listed in the bankruptcy and the report XXXX XXXX needs removed never done business with nor should they have my medical info. 
all hard inquires removed except for the two open accounts
Product: Credit reporting

Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.
Product: Credit reporting or other personal consumer reports

Complaint Against TransUnion for FCRA Violations Summary of the Issue : I am filing this complaint for failing to accurately report and investigate disputes on my credit report. Despite multiple formal disputes sent via certified mail attached screenshots of certified mail, TransUnion & Experian has failed to conduct reasonable investigations and continues to report incorrect information. This has severely impacted my credit score, limiting my financial opportunities.

Furthermore, they have restricted my ability to dispute inaccuracies by rejecting my dispute letters, failing to provide verification documents, and limiting access to my credit report, despite me verifying my identity.

Violations of the Fair Credit Reporting Act ( FCRA ) : TransUnion has violated multiple sections of the FCRA ( 15 U.S.C. 1681 ), including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable investigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) Continuing to report inaccurate, unverifiable, and outdated information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Failing to report accurate information as required.

15 U.S.C. 1681b ( a ) ( 3 ) Restricting my ability to dispute errors and withholding my credit report.
Product: Money transfer, virtual currency, or money service

Commencing around XX/XX/2021, I fell victim to a multi-layered scam operation orchestrated by XXXX XXXX  ( the Company ), whose actions are designed to achieve the goal of robbing and defrauding innocent people in the equivalent of XXXX USD which were transferred from my Coinbase wallet.
Product: Credit reporting or other personal consumer reports

This payments was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX  XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/XXXX, which Transunion received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XXXX XX/XX/2020. This dispute was against Santander. I had filed the same dispute with XXXX and after they investigated they agreed to remove the negative remark from my report. XXXX and XXXX have been difficult to work with and both companies have been hard to get a hold of. This account with Santander has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement Santander is facing. I am a father to XXXX children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXX Credit Card account, which was opened on XX/XX/year>, with a current balance of {$340.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and various provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ).

Under 15 USC 1681, I have a right to privacy concerning my financial information. I did not provide permission to XXXX XXXX XXXX XXXX to furnish my account information to credit reporting agencies, which is a requirement under 15 USC 1604 ( a ). Furthermore, according to 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been misapplied in my case. 

Given these violations, I am requesting that you investigate this matter and remove the XXXX XXXX Credit Card account from my credit report. I have not authorized the reporting of this account, and it is imperative that my rights under the UCC and FCRA are upheld. 

Please conduct a thorough investigation into this matter and provide me with written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

My card was used fraudulent and Chase lied about the facts and distorted other facts. 

1. ) I sent supporting documents, the passports, with a newspaper background, showing that I was not in XXXX 2. ) There were charges in two places on the same day, in the states and in XXXX on XX/XX/XXXX, XX/XX/XXXX,. There is  not possible way I could be in those two locations at the same time 3. ) My card was in my possession, I made those charges in the States 4. ) I traveled to XXXX a year prior, as shown on my passport
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX : # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I am receiving multiple mailing from companies offering me a loan. They are doing that because the credit bureaus ( XXXX, Equifax and XXXX XXXX ) are sharing my personal identifiable information with them. I received a letter for example from XXXX XXXX with the amount of my debt. The letter provides the names and addresses of the credit bureaus to opt out, which I have done and I'm on their do not mail list. The problem is that the information should never have been shared with these companies in the first place. In my situation, the damage is done. My husband found out about it and its a problem for me ( I loaned my brother a significant sum ). 

I receive information from credit card companies assuring me that my PPI is protected, and I have to create passwords to view my data, and the credit bureaus can just share my information without my consent and the burden to call and write letters is on me. 

This isn't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I ask for a credit report form transunion and XXXX  company to see how my credit score was to apply for a student loan ; and I see a discrepancy with 2 of my student loans with XXXX   department. It show that I had a 90 days late payment history for XX/XX/2019 period. That was impossible because those accounts were on deferred period by that time. Since the deferment was ending I ask for a new one and It was approved by XXXX. I submit all the evidence needed to XXXX and they fixed ; however Transunion did not the same. I submit a complaint again with the credit bureau explaining the above including evidence ; and at the end they fixed the error ; so I could get my student loan. When I get the updated credit report on XX/XX/2019 they fixed the error with the help of the complain I filled that time through the credit bureau. 

However, in my last update of credit score with XXXX XXXX, where they use transunion credit report it showing the same mistake after they had fixed last year. So I'm filling a complaint one more time to see if the credit bureau can fix that error for once. Because the discrepancy is there even when the last credit report doesn't show it. Even XXXX   show that all my history payment is good.

Hope you can solve it because my credit its been affected by that error.
Product: Bank account or service

I own a XXXX wanted to transfer money from XXXX banks to Huntington so it was more convenient than my small town banks. Was told to give irs ein which is under my ss # she said no problem we can look it up that way. Now today when I go with everything she asked for, and I have a witness, she said no that even since ein # has been ur ss # since 1998 they demand me to change it ... XXXX!! Huntington you can praise your XXXX Indiana branch for losing you thousands of dollars, but I 'm sure that does n't effect your highway robbery business ... ..pissed as XXXX customer
Product: Debt or credit management

Keep getting calls from them 7 days/ week, and I feel harassed ; I'm on XXXX  leave and can not make any payments.