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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Complaint Regarding Inaccurate Reporting by Equifax Dear CFPB, I hope this letter finds you well. I am writing to formally submit a complaint regarding inaccuracies in my credit report furnished by Equifax that are affecting my ability to secure credit and loans. 

Specifically, I have noticed that Equifax has furnished late payments and transaction experiences on my credit history. This reporting seems to be in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, As a consumer, I rely on accurate credit reporting to secure the financial products I need. The erroneous information reported by Equifax has had a significant negative impact on my creditworthiness, and I believe it is imperative that this issue is addressed promptly. 

I kindly request that your office investigate this matter and take appropriate action to ensure that Equifax is held accountable for its reporting practices. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance. 

Sincerely,
Product: Credit card

The transaction for {$93.00} for XXXX on XX/XX/2023 This transaction is fraud. 

Detail : I placed order, and it generate two duplicate one. Because none of them provided valid tickets for me to use. So I contact XXXX immediately, the other one was canceled but this one was not. 

Evidence to support : as shown from XXXX, it is shown redeemed on XX/XX/2023. That means it is a wrong order. Ticket is for XXXX and it can only be used for that specific time window.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in XXXX with a balance of {$850.00} Old loan accounts Closed accounts my ex-wife first name as current wife.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report regarding the following account : - **Creditor Name** : XXXX XXXX XXXX XXXX  XXXX XXXX*Account Number** : XXXX ( Last Four Digits ) Upon reviewing my credit report, I have identified **several inaccuracies** in how this account has been reported : # # # Disputed Issues : XXXX. **Repeated Charge-Offs** : - The account is marked as **Charged Off ( C/O ) every month from XX/XX/year> to XXXX XXXX, which is **inaccurate reporting**. A charge-off should be reported once, not continuously, as this unfairly impacts my credit score.

2. **Date of Charge-Off Discrepancy** : - The report states that the **account was closed on XXXX but continues to report charge-offs months after closure. Once closed, charge-off reporting should not continue.

3. **Inconsistent Payment History** : - The account reflects XXXX days past due in XX/XX/year> and XXXX XXXX, yet previous months are marked as XXXX. If the account was in good standing before XX/XX/year>, how did it suddenly become 120 days past due? 
- I request verification and correction of this inconsistency. 

# # # Request for Correction : I kindly ask the credit bureau to : 1. **Remove repeated charge-offs from the account history** and ensure the **charge-off is reported only once**, as per credit reporting guidelines.

2. **Correct the inconsistent payment history** to accurately reflect when the account became delinquent.

3. **Verify and adjust the charge-off date** to reflect the true closure date of XXXX XXXX, XXXX, and ensure no charge-offs are reported after that date. 

I have attached a copy of my credit report with discrepancies highlighted. If the creditor can not validate the accuracy of this reporting, I request that these incorrect items be removed per the Fair Credit Reporting Act ( FCRA ). 
Please investigate this matter and provide me with a response within the legally required **30-day timeframe**.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, NY XXXX XXXX : XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : 1. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - This account was charged off on the following date ( XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

2. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - The date of the last activity, the highest balance and the date opened 3. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - A lot of items inaccurate check the report on the picture Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance : {$870.00}
Product: Checking or savings account

on XX/XX/2019 I received a letter stating that all of my accounts. ( More than 25 business checking accounts ) under the XXXX XXXX XXXX XXXX are being closed. They told me that i may not withdraw any funds from my online accounts to my checking accounts or my funds could be frozen and funds would be sent to an address on file ( which they did not clatify in the letter ). They stated that a check would be mailed by XX/XX/2019. I told them that the can not stop me from withdrawing into the checking accounts without giving the Corporation any notice whatsoever. I opened these accounts at the XXXX and XXXX XXXX  branch in new york and was never told about any issue from the bank manager of either branch. I have spoken to the branch and they were unaware of the letter that was sent to me and they advised me to call the XXXX number and that rep. told me that i can not withdraw to any of the accounts or they could all be frozen. we have funds in these accounts that can not be withdrawn without these bank accounts which were added to the online accounts.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

This was a wire transfer deposit initiated on XX/XX/2023, ( Bank of New York Mellon ) which has not been deposited into my bank account ( XXXX XXXX  ). It has been a month and this is too long. 

I called my bank to trace the transaction and they can not since, it is coming through another bank ( Mellon ) for the wire transfer, since this is an international transfer. I tried contacting Mellon Bank and they would not communicate with me since I do not have a direct account with them. 

It is obvious that the Mellon bank that the wire transfer is coming through is negligent and abusing their rights on holding my funds too long. They need to release my funds to my bank account as soon as possible. This has caused me a terrible hardship and a poor credit rating. 

This could also be considered Elder Abuse.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account XXXX : XXXX
Product: Mortgage

DECEPTIVE PRACTICE AND MISREPRESENTATION I applied for a mortgage and was given a loan estimate on XX/XX/22 with an estimated closing cost of {$46000.00}. I told the mortgage broker, XXXX of Boxwood Mortgage, that the cash to close was important to me. I asked for a guarantee that the cash at closing would be close to the {$46000.00} that she quoted. She shared with me that the industry standard is to be within 10 % of the figure and it could be higher since she did not have the exact figures. 

She also told me there was no mortgage insurance, however she failed to mention about the 10.1 % down payment instead of the 10 % I wanted to pay. She mentioned XXXX buster but did not explain or share in any document an increase in down payment other than the 10 % that I intended to put down. 

I later found out that she submitted a different loan estimate to the lender showing a cash to close of {$53000.00}. I have emailed XXXX for an explanation, but she is not responding to my email. 
I am scheduled to close on XX/XX/22, I received closing documents today with cash to close for {$54000.00}. 

This is misrepresentation and deceptive practice to secure business thereby causing undue financial hardship.
Product: Credit reporting or other personal consumer reports

I recently noticed XXXX XXXX reporting that I have a closed account for {$690.00} with them and the account is reporting as past due/ late/ etc. This is a fraudulent account
Product: Checking or savings account

I am in the process of leasing a car. A mutual contact introduced me to a guy posing as a car broker. He said he was going to help negotiate a good least deal for me with local dealerships. 
We had plenty of conversations back-and-forth. He knew exactly what to say, and is very well-versed on the business. After he got my money, which I sent to him from my American Express checking account, he disappeared. 
I called American Express for help and they declined to help
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX
Product: Debt collection

I have requested validation from this company and was sent a statement but still no signed legal instrument of indebtness with my physical signature. This company also updated information with the credit bureaus while this account was under investigation. I have attached statement that I was sent as well as the information and dates showing that this account was updated with the credit bureaus during the investigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in written composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 
THIS IS MY OFFICIAL WRITTEN COMPLAINT! 
XXXX XXXX XXXX FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. 
DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 
To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX  XXXX  Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 
PLEASE FIX MY REPORT WITHIN 4 DAYS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send over 5 requests to Transunion They are not updating my report or removing inaccuracies- They have not given me a copy of my report. They sent 1 generic letter!

They are the ONLY reporting agency reporting these!

Reporting inaccuracies XXXX - says Im a co-signed on a count never provided proof of debt validation XXXX XXXX Ac

count- has a person same name with a totally different sob and social from me and still reporting the fraud XXXX- states a late payment it it was paid off early in full never was late ever!

The inquires attached were done without my consent. Signature or acknowledgment and they wont remove after contacting them three times they have failed to protect my rights by law and harming my score and credit account with inaccuracies they also have not update XXXX XXXX on accounts that have XXXX XXXX since XX/XX/2021 I want them held accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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 XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints ( 4 complaints total ) were closed without investigations or removals of these items. However, documentation supporting the items remaining on my credit file were not provided. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX , XXXX, submitted a letter for the removal of these incorrect items. No response from Trans Union. A follow-up letter was submitted by Attorney XXXX on XX/XX/XXXX. As of today, Friday, XX/XX/XXXX, Trans Union HAS NOT responded to the follow-up letter either. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Trans Union attached ) Account NumberXXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 2 prior CFPB complaints filed for Trans Union attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX ( 2 prior CFPB complaints filed for Trans Union attached ) Account Number : XXXX Account Opened:XXXX Account Charged Off XXXX XXXX XXXX XXXX ( 2 prior CFPB complaints for Trans Union attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that XXXX remove these 4 incorrect items from my credit file per the FCRA.
Product: Credit reporting

I had a student loan on my credit report from XXXX AND IT WAS REPORTING IN CORRECTLY. I HAVE DISPUTED THIS WITH TRANS UNION AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT FILE. THIS ACCOUNT IS NOT DUE TO COME OFF ANYTIME SOON. THIS ACCOUNT IS A CLOSE ACCOUNT PAY AS AGREE STATUS. WHEN I DISPUTED THIS I WANT THE HISTORY TO BE UPDATED FROM XX/XX/XXXX TILL IT WAS TRANSFER IN XX/XX/XXXX. IT WAS REPORTING IN ACCURATE DAtes SO I CONTACT XXXX AND THEY SENT ME A PAYMENT HISTORY THAT SHOWS THE CORRECT INFORMATION. A COUPLE OF DAYS LATER IT WAS DELETE. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT REPORT AND XXXX FROM XXXX STATED SHE SENT ALL OF THE CREDIT BUREAU ALL CORRECT INFORMATION REGADING THIS ACCOUNT.
Product: Consumer Loan

I TOOK OUT A PERSONAL LOAN WITH MY BANK ( WELLSFARGO ) AND CAN NOT PAY I AM WORKING WITH A COMPANY TO PAY DOWN MY DEBT NOW MY BANK HAS FORCED A PAYMENT AND OVERDREW MY ACCOUNT WITHOUT ANY KNOWLEDGE OF THE PENDING DEBT OCCURRING, I FOUND OUT BY LOOKING AT MY BANK STATEMENT AND THEY HAD TAKEN A SUM OUT, I CALLED CUSTOMER SERVICE TO REPORT IT AS FRAUD, SINCE I HAD NO KNOWLEDGE NOR ANY WARNING OF THE TRANSACTION AND WAS GIVEN A CLAIM NUMBER AND A BLOW OFF GOOD BYE, ESSENTIALLY I WAS LIED TO THAT THEY WERE SENDING THE CLAIM TO THE CLAIMS DEPARTMENT WHICH I DOUBT. AND I HAVE BEEN WITH THE COMPANY SINCE 1999. I CAN NOT EVEN CHECK THAT THE MONEY WENT TO THE LOAN SINCE THEY HAVE TAKEN IT OFF MY ONLINE ACCOUNT SO I REALLY DONT KNOW WHERE THE XXXX WENT EITHER.
Product: Payday loan, title loan, personal loan, or advance loan

This company did NOT give me any opt out disclosures as dictated by 15 U.S. Code 6801 through 15 U.S. Code 6805. In other words, Gramm-Leach-Bliley Act. Additionally, In their terms and conditions they stated that they CAN NOT and will NOT share my nonpublic financial information to nonaffiliated third parties, which they have. This is a breach of agreement and a violation of my right to financial privacy. Consumer reporting agencies such as XXXX, XXXX, and XXXX are NOT bureaus. The only XXXX true bureau is the Consumer Financial Protection Bureau. I have attached the consumer reporting agencies XXXX or XXXX form from the SEC to prove that they are financial institutions. I, as a federally protected consumer, am now exercising my right to opt out of any and all authorization that, I, the consumer may have given you, a financial institution, written, non written, verbal, and non verbal to furnish my nonpublic information to all consumer reporting agencies.