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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the XXXX grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX 's XXXX XXXX grace period. Therefore, the account should not have been reported as XXXX days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate XXXX late payment report. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Over the last two years, my wife and I have gone through serious financial struggles. We ended up going with a XXXX XXXX XXXX after trying to get help from our creditors to no avail. The credit counseling company helped us negotiate reasonable payments, stop late fees, and hold interest rates. Before this could happen we were late on bills for a few months. For 1 1/2 years, we made payments to the credit counseling company and they sent the payments on our behalf as part of the program. Now as we are coming out of being in a horrible financial place we are looking at our credit and realizing we are again being unsupported by the credit card companies and now even XXXX, Equifax, and XXXX XXXX. One of the companies that we have struggled with is XXXX 's. We started making payments in XXXX through XXXX XXXX to XXXX. We paid XXXX completely off in XXXX of XXXX. We have sent copies of the canceled checks to XXXX Credit Cards and well as to XXXX, XXXX, and Equifax. The credit reporting agencies have responded that they believe the reported information to be accurate. How can that be with canceled checks to show payment but XXXX late marks on our credit? On XX/XX/XXXX, we sent another letter to XXXX 's again sending all of the copies of checks, this time noting as they requested exactly what we thought was the error. We have yet to get a response. This is not 30 days ago. We are trying our best to recover from the financial struggles as well as begin the process of recovery. We just can not seem to get help, guidance, or answers for either XXXX 's or the three credit reporting agencies why this can not happen. We made our first dispute on XX/XX/XXXX, online, we followed that up with a letter of dispute to the three credit agencies on XX/XX/XXXX. We received a letter back saying that they did not have sufficient evidence to investigate. It was at this time that we copied all of the canceled checks and mailed them to both XXXX 's and all three agencies. At this time we requested that XXXX 's send us the statements showing we were late that they did not receive payments for these months. We received a response from XXXX 's requesting we send them exactly what we thought was an error. We completed this and sent the copies of the canceled checks once again on XX/XX/XXXX. It is now XX/XX/XXXX and we have still not heard anything. After the third dispute to Equifax, XXXX and XXXX XXXX we were once again told the found the information to be accurate. We don't understand how this is possible.
Product: Consumer Loan

A few years ago I had loss my job and I was unable to pay my loan. Navy Federal allowed me to defer XXXX payments, but did not disclose that by deferring the payment changed the terms of the loan making it a balloon payment at the end. I also did not get any disclosures about the per diem charges on late payments on top of the late fee. This is predatory lending by them failing to disclose the information in a timely matter ( before I decided to get the loan with them or defer the payment )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to ll three credit reporting agencies for the removal of unauthorized credit inquiries on my credit report. My latest credit report shows 4 credit inquiries that I did not authorize and/or an unauthorized duplicate inquiry. Below are the disputed the inquiries and I ask for their removal from my credit report. 
Creditor Date Comment XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XX/XX/XXXX duplicate inquiry ( unauthorized ) XXXX XXXX XX/XX/XXXX did not authorize XXXX XX/XX/XXXX did not authorize My letter was sent over a month ago yet these items still apprear on my report. I need your assistance to get these items removed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by TransUnion. 
Details of the Dispute : 1.Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXX FL XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX I request that my current address be updated accordingly. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that TransUnion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was charged on my credit card by a XXXX for a XXXX i did not want or was informed about, i put the charge in dispute with capital one and thye did nothing to help it i was also injured by the XXXX and had to seek medical care i disputed the charge and they found in the XXXX s favor even though i sent them a mountain of evidence that the XXXX is a a thief
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX, ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Bank account or service

I set up a permanent recurring online transfer, once every six months between Ally Bank and an external account without limiting it to a number of transfers or an end date. I received an email alert stating the following : " Ally Bank Alert Ally Hello, XXXX XXXX There 's only one more scheduled transfer for your recurring plan. 


Amount : {$0.00} From : Ally Bank, Checking To : XXXX " Ally Bank refused to contact me with follow up information and demanded instead that I contact them repeatedly until they figure out the issue. This bank has made repeated egregious errors which I have previously reported to the CFPB and has demonstrated a consistent inability and unwillingness to address or resolve them.
Product: Credit card or prepaid card

Discover sent me an approved card for Discover Bank card. When I called Discover they told me someone applied for the card. The guy at Discover said this was happening a lot lately. They said someone had all my information and that I needed to wipe everything clean but I don't know what that means. Discover closed the account for me but told me to submit a report. I tried calling the phone number but the person who answered told me I had to go online.
Product: Debt collection

The Judgements were paid on  XXXX   XXXX ,  XXXX  in the full amount of {$1600.00} through the Courts of  XXXX ,  MS . Th e Courts finally took the public records off of my account on  XXXX   XXXX ,  XXXX .  XXXX  and  XXXX  refuse to remove the collections off my account Case or ID #  XXXX  Case or ID #  XXXX
Product: Debt collection

I am writing to express my deep dissatisfaction with the fraudulent accounts currently on my credit report. Unauthorized and false information is affecting my credit history, jeopardizing my financial standing, and undermining my credibility. I request an immediate investigation and swift removal of these inaccuracies from my credit report. The presence of these entries is damaging my credit score and causing significant distressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached supporting documentation proving the fraudulent nature of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw an account from XXXX  XXXX XXXX for CITIBANK N.A. in the amount of {$2600.00}.
Product: Credit card or prepaid card

I questioned the entry or charge that was reflected on the bill which was from XX/XX/20. When I called initially they told me it was interest I was being charged from that point to the current bill date which came to {$30.00}. I thought about it and called again the next day and could not understand why I was being charged for three years and when I called I spoked to an XXXX from a foreign country who tried continuously to be evasive. I asked him bout the charge and he said he could not bring it up and I said then why are you charing me. He said he could not bring it up because it was too long ago so why charge me. This whole thing does not sound right. He also said he put in a complaint for me. I wasked to send me an email and he said he could not do that. Something does not sound right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never got the statement in the mail so didn't know how to pay or what to pay. I had called a few times but agents were not very helpful.
Product: Debt collection

Talked it over with a court appointed mediator to resolve the issue with a specific amount agreed upon. Then next I receive documents to sign that doesnt reflect to what we settled with including an outrageous amount of compound interest.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX and XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit card

I used an XXXX store card through synchrony bank to purchase XXXX things between XXXX of XXXX and XXXX of XXXX totaling XXXX, XXXX and XXXX. The balance was paid off on XX/XX/XXXX after the first XXXX purchases and as of XX/XX/XXXXXXXX XXXX XXXX the balance was paid off again. The account wasn't used by our family again. We started using a budgeting app and immediately found out that the card was still taking monthly payments from my personal bank account. I started an investigation with the Synchrony fraud department XXXX separate times only to have them reopen the account and issue another card each time. the third time I requested all the statements for the life of the account, and I received it XX/XX/XXXX. after going through the statements i realized it was in fact an account that i opened but since XXXX of XXXX someone has been making purchases using my card that I was unaware of. the current balance of the card has exceeded the line of credit, and the Synchrony bank XXXX department will not take action. their excuse is the account is more than XXXX XXXX XXXX, the statements were never returned, and the automatic payments were always on time. I have put an XXXX hold on synchrony bank to stop withdrawing payments and synchrony has not done anything to stop this from happening.
Product: Checking or savings account

I recently applied online for a personal loan. The XXXX XXXX reached out to me and said I was approved for {$5000.00} but my credit score needed a quick boost, which required them to have to me pay off a small loan, they were going to give me the funds for by the end of the closing bank day. 

It appeared that they put the money in my account because I noticed a deposit for the amount they ( the XXXX XXXX ) required. The loan XXXX then told me I had to get pre-paid cards for the amount deposited and send the card and receipt back to the XXXX XXXX. 

It wasnt until I received a phone call from my XXXX  attorney XX/XX/XXXX stating my payment was reversed that I chose to investigate the account. 

Thats when I noticed multiple items labeled as Claim Reversals from multiple items I have purchased since XX/XX/XXXX. These were listed in my account as deposits. This is when I realized Ive been scammed. I immediately filed an investigation with the fraud alert team and claims department.
Product: Credit reporting or other personal consumer reports

When I try to access the equifax website at https : //www.equifax.com/ in order to view my credit report, place a freeze, or view instructions for placing a freeze via alternative methods like mail or phone, Equifax prevents me from accessing the website, instead showing me an error : OOPS!!! ( XXXX ) Something went wrong. That action is not allowed. 

Thanks for your understanding! 

Equifax , Inc . 

Reference ID : XXXX There is no way to contact Equifax to ask them to resolve this error
Product: Payday loan, title loan, personal loan, or advance loan

I am unable to pay my loan, and as of now, they are spamming me with voice mails and calls threatening further action and I feel afraid of this tribal lender. I am unable to pay this loan and I have stated to cease further collection and payments yet i still keep being contacted
Product: Money transfer, virtual currency, or money service

My account with Coinbase is restricted and is currently shown as negative ( -XXXX ) due to problems with my bitcoin buys from my XXXX XXXX credit card. Coinbase is not responding to my support requests. This problem was because two purchases were mistakenly disputed ( I have alot of purchases and mistakenly did not recognize two of them ). One was for XXXX and the other for XXXX The dispute of XXXX was ultimately found in ( coinbase ) favor and it was recharged to my credit card account. The other dispute of XXXX is still pending. Since the dispute was settled in their favor my account should be negative ( -XXXX ) and not negative ( -XXXX ). Due to Coinbase restricting my account I am unable to access bitcoins currently worth {$170.00} already in my Coinbase wallet because they want me to pay -XXXX instead of -XXXX. If they want me to pay XXXX to regain access to my account that is fine. However, they are trying to double bill me by saying my account is negative XXXX. Attached is proof that the XXXX was rebilled to my account. The first attachment is a secure message from capital one saying coinbase won the dispute and that I was re-billed. The second attachment is my actual credit card statement showing I was successfully re-billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I opened my account in Coinbase, Inc., the company which operates Coinbase and GDAX in the U.S., based in California. Funded with XXXX. I had to wait 6 days for availability, which I did. 
Today when the funds are available, they come an block my account disabling all possible options to buy or sell with my money. I sent 3 emails to customer service support but they do not answer. It is impossible to communicate with them I found that this company has been sued in a class action for blocking the accounts without any reason. My ID has been verified 4 times without any problem and the funds are there. 
I am desperate because it seems that they are taking my money without any justification. Please help XXXX XXXX
Product: Student loan

I was recently accepted into the Public Service Loan Forgiveness program, and was instructed to make my payments as usual to my current student loan servicer ( Mohela ). 

On XX/XX/2018 I made an online payment to my student loan servicer, Mohela, for {$830.00}. I received an email confirmation of the received payment that same day. 

Mohela processed this payment on XX/XX/2018 and {$830.00} was withdrawn from my XXXX checking account. 

My student loans were then transferred to XXXX XXXX on XX/XX/2018. The payment of {$830.00} that was made to Mohela on XX/XX/XXXX was not transferred to XXXX XXXX. 

On XX/XX/2018 I was notified via mail that my student loan had successfully transferred to XXXX XXXX. I also received a notice via mail on XX/XX/2018 that my XXXX payment was past due. The scheduled payment date listed for XXXX XXXX was XX/XX/2018. 

Upon receipt of this notice, I called XXXX XXXX immediately to resolve this situation. The service representative informed me that any payment I made to Mohela in early XXXX should transfer in a few business days and be applied as a credit to my XX/XX/2018 payment, but that I will need to make a payment that would cover both XXXX and XXXX. On XX/XX/2018 I made a payment to XXXX XXXX for {$1600.00}. 

As of today, XX/XX/2018, I have yet to receive notice and application of the transfer of funds I paid to Mohela for XX/XX/2018. At this time, I am currently being billed for {$830.00} for XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED AND ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT IN ACCORDANCE WITH 15 U.S.C. 1681. 


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
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX