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

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), 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 XXXX  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. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
Protection Against Non-Payment of Obligations Act ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : XXXX a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent on-time payments prior. 
XXXX : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
XXXX : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I have found that Portfolio Recovery has made unauthorized soft inquires on my credit. They are as follows : Per XXXX, Portfolio Recovery made soft credit inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per XXXX, Portfolio Recovery inquired on XX/XX/XXXX. 

I was in collections through them for an account, but the statute of limitations ended in XXXX. Since that time they have neither contacted me via phone or mail. Their contact information is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number : XXXX
Product: Credit reporting

First Data is reporting derogatory and inaccurate information on my XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing and discharged dated XX/XX/2013. Please see attached filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$420.00} XXXXXXXX XXXX XXXX {$630.00} XXXX XXXX   XXXX {$880.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX {$17000.00} XXXX/XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX {$140.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX/XXXX   XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} USDOE/XXXX XXXX {$7900.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$620.00}
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach with the company XXXX XXXX. Please check FCRA laws 15 U.S.C 1681
Product: Bank account or service

The subject is about Fifth third Bank internet auto-pay bankingThis is the XXXX or maybe the XXXX time that I set up an auto-pay but some trigger defaults the account the money is to be drawn from the account I assigned to an account that has the least amount of money and thus creates overdraft fee 's XXXX trigger is if you change or modify the amount, without you being aware unless you research intentionally will re-assign the account with the least amount of money.. I have addressed this fault with Fifth Third believing it was a programming error But now just another Trojan Horse.. 
A year and a half ago they sold me on the Early Access product that I was lead to believe was a overdraft protection product that was charging a very high percentage rate. I complained about that and now the interest rate is 3 % or lower and it is an overdraft protection vehicleThen last month or so I find out they started charging {$15.00} checking account fee on a free account.. XXXX reason being I have direct deposit. Now the bank manager credited 3 months because thats all the further he could authorize this refund. But still this bank continue 's with inventing these Trojan Horses
Product: Credit reporting, credit repair services, or other personal consumer reports

This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-harris-03-22-99 The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the delinquent payments were accurately reported in XXXX and XXXX of XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Product: Credit card

In XXXX I used a Chase credit card promo balance transfer of {$15000.00}. In XXXX I contatced because the online login didnt specify the amount I needed to pay without incurring interest. The representative said it would probably take another business cycle before this would show. But she said that if I pay the statement balance that was above the balance transfer amount each month I would be fine in not incurring interest. I contacted them today, because I had been charged these past XXXX months interest, even though I had paid like she told me. I spent over XXXX mins talking with another woman that was as confused as I and had to calculate the payment and agreed that I should not have been charged the interest. I asked her to remove those interest charges and she said she could do XXXX of them but wasnt sure why she wasnt able to do the other. So, I asked for someone that could help me fix this. I got a supervisor that ended up waiving both, BUT told me that going forward I would be charged interest on any new purchase, even if I pay that amount when I receive the statement - because I have a balance transfer balance. She basically said that I can not use the credit card without an interest charge until the balance transfer balance is paid off. Which by the way I paid a fee for the balance transfer too. I have been a Chase customer for many many years and this is unprofessional and unexceptable. XXXX
Product: Debt collection

I was living in XXXX, Nevada in 2016 and signed an apartment lease for XXXX month. After about XXXX month, I wanted to terminate the lease due to the scorpion infestation of the dwelling. Prior to me initiating lease termination, the apartment company send a pest control service to treat for scorpions but it did not help. Terms of the contract allow early lease termination due to the un-resolvable issues with the dwelling that cause significant hardship and threats to health. The apartment company still told me that I had to pay early termination fee and now they turned over the collection on the fee to the collection company that tries to collect much larger amount.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$24000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

To whom it may concern : In XX/XX/XXXX my XXXX XXXX XXXX passed away, since then I have been trying to convert the Mortgage into my name ( XXXX XXXX ) I have gone through many hoops, and completed assignments given to me by PHH within 24-48 hours of said assignments, each and every month I am contacted by a new representative who doesnt know the progress or phase my application, documents etc. are in, causing me to have to explain from day XXXX over and over again, each phone call they request one singular document, I will submit it immediately. 
Phh rep will give me a date 30 days out to discuss next steps. and after 60 days of one document at a time, my application expires. each conversation is recorded by the company, and each email should also be accessible. 

this also has caused me to turn in the same application, with supporting documentations repeatedly, each time a follow up call is scheduled out 30 days, and each 30 days a new rep with no prior knowledge to my case starts the process over. 

finally, the application was approved in XXXX!, and I received paperwork in the mail in my name, telling me I needed to start making mortgage payments with monthly schedule of payments and breakdown of said payments, I was overjoyed the process had finally been completed! I began my payment! 
only to be contacted 15 days later, telling me I was in default and needed to start the application process all over again as I did not sign a contract.!!! 

( I never received a contract ) and discussed this issue with said representative at that time, they did an account review, discovered all the previous notes, apologized, had me speak to a supervisor, and yet, we needed to start all over again, there I was, filling out, re-submitting, re-verifying information, again within 24-48 hours of the request. Again, with a follow up call in 30 days, I always turned in documents in a timely manner, only to be asked for one item at a time, in each step of the process, 30 days at a time, only to be told in XXXX, one of my documents that I had turned in 30 days prior had expired, ( again, not my fault as the timeliness issues were not stemming from my side ) Now I am faced with Foreclosure! 
I feel as though i was forced into foreclosure by PHH and their employees. 



I have done everything in my power to save my fathers home, and instead of assisting me, it seems as though I have been intentionally put into a situation to lose it, I ask that someone review the countless recorded appointments and emails. 

I was told that all documents had to be received no later than XX/XX/XXXX XXXX h I completed each request within XXXX hours of their request. 

One of the many examples is that in XX/XX/XXXX I was asked to submit the XXXX IRS XXXX extension form, only to be informed on XX/XX/XXXX, that the XXXX IRS XXXX form had to be filed no later than XXXX of XXXX. 


I would like someone to review my case/account number XXXX And please let me know what can be done.
Product: Student loan

Mohela correspondence states 90 business days to process, I submitted forms in XX/XX/XXXX and XX/XX/XXXX that remain unprocessed. When I called in XX/XX/XXXX, I was told that it could take up to a year to process. This is unsatisfactory, I've made at least XXXX documented payments, far beyond the required XXXX. My payments need to be immediately recounted as I've submitted all of the required paperwork and have been a federal employee since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Please don't ignore my request to correct the following items immediately. 
MEDICAL XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I put in disputes with XXXX, XXXX, and transunion, and it was a problem with my address! I reside at XXXXXXXX XXXX  XXXX ga XXXX, and XXXX Coral XXXX XXXX Ga XXXX! heres my license and social security card! I would like these companies to continue with all my disputes and take all the negative items of my report!
Product: Checking or savings account

XX/XX/2023 Navy Federal {$5000.00} I reported someone getting into my account and sending an unauthorized ACH payment of XXXX to someone I dont know. They did an investigation and did not return my money and I did not receive a provisional credit and they said they would not return my stolen money. I changed accounts, username and password after that had happened. I did reach out to them multiple times as well telling me theres nothing they can do. 

I then opened up an appeal and still have not received a response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/XXXX XXXX credit card account ending in : XXXX has an inaccurate balance of {$1500.00}. My XXXX account, should have a current balance of {$0.00}. My XXXX XXXX credit card account has an inaccurate balance of {$1000.00}. My XXXX XXXX credit card account, should have a current balance of {$0.00}. Furthermore, I want the following personal information added to my XXXX and Experian credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called in to speak to someone at Wells Fargo about my account. I spoke with a rep and after getting authorization from her supervisor I was told that if I paid my balance in full then the account would be removed from my credit report. We had a conversation about how the account is hindering me from buying a house and she guaranteed me that it would be removed if I paid in full. I have paid the account in full and the account is still showing on my credit report. I feel I was lied to intentionally just to get me to pay the account off.
Product: Checking or savings account

1. OnXX/XX/2019, I filed Complaint XXXX re Bank of America branch supervisor XXXX. 

2. On XX/XX/2019, I filed Complaint XXXX re Bank of America giving me misinformation and poor advice regarding deposit options and related holds for a check I was attempting to deposit. 

3. On Friday, XX/XX/2019, I missed a call from Bank of America " Enterprise Resolution, '' XXXX XXXX, Resolution Specialist, Regulatory Complaints, Bank of America, XXXX, extension XXXX. 

4. On Friday, XX/XX/XXXX, XXXX sent me an email I have a deadline of XX/XX/XXXX to respond. 

5. I called and left a voice message on XX/XX/XXXX at XXXX XXXX, but have received no response. 

6. I called and left a second voice message on XX/XX/XXXX at XXXX XXXX, but have received no response. 

7. I called and left a third voice message on XX/XX/XXXX, today, at XXXX XXXX, and have received no response. 

8. I attempted to press zero when calling the number, but the system will only allow you to dial an extension. The extension always goes directly to voicemail. 

9. Bank of America seems to be creating excuses to close cases and deflect substantive issues contained in CFPB Complaints that deserve resolution. They are doing so by setting deadlines for response, making themselves unavailable for communication, providing no alternative options for communication, and being unresponsive to messages from consumers.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$14000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.